Financial Audit - $67,000 Of K-Pop Debt | Financial Audit

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Starting point is 00:01:26 My name is Presley. I'm 27 years old from Houston, Texas, and this is financial audit. Well, thanks for coming over to Austin. What do you do in Houston for a living? I work at a large retail chain in the mall, and I am one of the managers there. A manager? Okay, very good. 27 managers.

Starting point is 00:01:50 Okay. That's what you want to do. Retail, not bad that our career passed. I want to make clear that I'm not talking down on retail. by any means. Just more when people think about what they want to do, you know here, like retail. Is this what we're trying to do?

Starting point is 00:02:04 I have to ask out of the gate. Because 27, right? Yes. Okay. So it's actually really funny. I originally, when I was younger, wanted to go into baking. And so I actually had my own business.

Starting point is 00:02:17 And I was baking. You had your own business. I had my own business. When did you have your own business? 17, 18 years old. How long did that business last? Are we counting that or is it a lemonade stand? Lemonade stand kind of

Starting point is 00:02:28 Oh, then that's not. So, but I, who's really funny to me, because I swore, I would never get into retail. But I needed to get a job. I needed to start, you know, being an adult at 18 years old. And what do you make in this retail position? In my current one, I make 67. 67. What? 67,000.

Starting point is 00:02:53 That's great. See? Wait, what? $67,000 a year. A year, yeah. Good. Look at this, guys. We can do retail.

Starting point is 00:02:59 You can make a living. Managers are like general manager? Yeah. So we have in my store, we have sales managers. And then you have like the merchandising operations managers. I'm one of the sales managers. And then so the bring home on that, because I know you'll probably end up asking that. Yes, take home on a monthly basis.

Starting point is 00:03:18 4,300 a month. Good. I live in our in Houston with that. I'm okay. Are you? Not good enough because I'm not on the show. because I'm here, right? Clearly.

Starting point is 00:03:30 What's going on? I like to spend. I was thinking about it on the way here. I was like, why do I spend so much? Well, why do you spend so much? I like to get things. And then I also do kind of like, you know, in gaming when you have like the micro purchases. I haven't gamed in a while.

Starting point is 00:03:52 I haven't gamed in a while. That's not what I'm freaking out about. I'm freaking out about the micro purchases. What? So, like, even on the way here, I was like, I... You micro-purchased gas? No. Is that possible?

Starting point is 00:04:03 I forgot. Well, I didn't forget. I ended up getting a migraine on the way, so I stopped at a gas station and got some Excedrin this morning. Are you okay? Yes. Well, migraines are horrible. Okay, I'm glad you feel okay.

Starting point is 00:04:16 Excedron is my best friend. Okay. But that's not bad. Why would I criticize that? Well, no, you wanted to criticize that. But, like, I will purchase like... Hey, guys, if you're sick, fuck you die. What?

Starting point is 00:04:26 No, no. So, like, I couldn't even tell you what I bought in the last week kind of thing. How many of your staffing places and just swiping? Probably too much. Like, again, I work in the mall. And so, like, every day. How much? Self reflect a little. At least once or twice a day.

Starting point is 00:04:47 Into twice a day. Yeah. That's fucking relentless. That's insane. I, it's just like, you know, I forget, like, or it's not so much forget. It's just like those little things. Like the other day, yes, it's a need. But I have plenty of conditioner at home, right?

Starting point is 00:05:05 But I also ran out a shampoo. But I'm one of those people that I, for some reason, believe that, like, your shampoo should match your conditioner. So when I went to Walmart to pick up shampoo, I couldn't get the one that I usually use because my curly hair, right? So I went with the main entail, so it could be, you know, a little bit cheaper. But I got the shampoo and conditioner, even though I have plenty of conditioner. of my normal conditioner. How much do you spend on that? I mean, main and tail is about $8 total.

Starting point is 00:05:35 Okay, so I guess you applied for me to tell you to stop spending? Well, more so, like, stop spending, figure out my debt so I could pay it off because, like, I actually applied for y'all and J.G. Wentworth on the same night. J.G. Wentworth? I don't know exactly how it works. And so when I applied, I was just like, I would just want them to call me back so I can figure out what their steps are. So I could figure out if it was a solution for me or not because I'm kind of habitual. You know, I do have some loans to pay off the credit card debt.

Starting point is 00:06:13 And then I racked back up the credit cards. And so I was like, well, so you would do that again? I'm confused. No. The goal is to get them paid off. You didn't fix. You didn't fix. Did you fix?

Starting point is 00:06:25 No. Exactly. Like, you didn't change your behavior. If you changed your behavior, you probably wouldn't be on the show. So why would you try to take the same shortcut that you already took? Listen, we know what comes in. What did you spend last month? What did you spend?

Starting point is 00:06:37 I don't actually know. Of course not, but payroll was $4,216. You also had $200. So it's about that $4,300 that you suggested. Good. Come on. What was your outflow? We know you're in flow.

Starting point is 00:06:50 What was your outflow? Probably five to $6,000? Okay. Well, that's insane. Why would you apply for a consolidation when you're spending one to two thousand more than you make? Because that just means you'll have double the debt again. Yeah. That's what I'm like, I'm trying to figure out because it's like I have moments that I was good with my, good with my spending, good with paying everything down, didn't make all the best decisions in order to pay it down.

Starting point is 00:07:18 But, you know, I paid it down. I was good. We're good. But again, if you spent a thousand to two thousand hours more last month, you bring in, why is that a time to consolidate your debt? Because you'll just build it back up again. Just trying to figure out what to do. And that's where I was like, oh, let me apply to this.

Starting point is 00:07:35 And then, you know, I'd seen some of your shows. And I was like, let me apply to this and just see what happens. And then I happen to get the calls. Why haven't you tried to use the budget? I was at a point that I finally got back down to like every statement. I was paying off my credit cards. Well, by the way, I will say what actually went out was $7,150. And $0.14.

Starting point is 00:07:54 Okay. That, yeah, I did not expect it to be that high. Almost double. What I bring home? Hold on. Yeah, almost double. What's the fuck? Yeah.

Starting point is 00:08:08 For why? For what intent? If you said you were better off, when were you better off? Because I'm not seeing any indication of better off. That sounds like you're going in a horrible place. Right before I moved out is when I was better. Did you move out? Last October.

Starting point is 00:08:23 From fam? Yes. Okay. Good. Yes. I was like, okay. How did you allow that to go completely off the cliff? Isn't that the whole point of getting independence is to be independently well off?

Starting point is 00:08:35 Exactly. And so I was good. And then I got my puppy because I could not live alone at that point. I was like, I need something to come home to. Maybe you could have afforded a puppy, but why is that the issue? So then, you know, getting back into the retail position, going into Christmas. I would come home really late and in the apartment

Starting point is 00:08:59 my fire alarm goes off like every time I cook and so I This is how to do with the dog Well so I always want to come home Like immediately to go back to my dog right? Yes And so no matter what

Starting point is 00:09:13 Like I She just happens to be there But I would end up door dashing at night You're using you getting a dog As an excuse to door dash after your shift Well, no, no, no. This is a cope. Out of all the copes, I've heard, that's a mega cope.

Starting point is 00:09:29 Well, the whole point, I try to get home. And then I would, no matter what, I would, I have a whole thing of burger patties in my freezer, right? That I could just, like, throw on the stove. That doesn't sound very healthy, but okay, continue. No. But if I end up cooking it on the stove, my, again, my fire alarm ends up pulling off in the middle of the night. oven, which you can do. Well, again, my fire alarm still goes off.

Starting point is 00:09:57 I don't know why. I've already tried to get the apartment to fix it. Take the battery out while you cook. That's one of those things, like... One of those things that took five seconds to think? Yes. Well, I'm kind of weird in that aspect of... I didn't know... No, you're a ginger.

Starting point is 00:10:13 I didn't know, like, if you took out the battery or not, if it would, like, somehow signal to the apartment complex that you took out a battery. I don't know how these... Those things work. You think it's... I don't know. You think your apartment complex is in Germany or the Soviet Union that's going to storm in? It's my first department.

Starting point is 00:10:29 So I didn't know if it could be like a potential that they're like, Oh, you took out. Look it up or ask anyone? Like, I don't really know. No, I didn't. Okay. That is such a cope to get DoorDash constantly. You're saying all this is DoorDash?

Starting point is 00:10:43 Not all that. You got a dog, which benefited in no way to the story. And then you door dash because apparently, you know, you got a dog. So I have the door dash. Interesting. And that's why I ran down. This is not making sense to me. When I had my last job, I had a great 401k there.

Starting point is 00:11:04 And I... Wait, what was the job? Let's get some baseline. Another retail job. I was a manager. What was your 401k? Was this the concerning word? Yeah, I had about 60,000 in it.

Starting point is 00:11:13 Oh, no, you... No, you did not at your age? You were at 26? Wait, when was your last job? I never not had a job. Once I got a job... When was this job? A year ago.

Starting point is 00:11:23 So you're 26? I was 26. I had, because. And you had 60,000? Yes, that was good, right? Was. Better than me at 20. 6?

Starting point is 00:11:34 I was negative at 26. I, um. No, no, no, no, no, no. Shh. Quiet, quiet now. Quiet now. What are you laughing about? Oh, yeah.

Starting point is 00:11:48 Huh? That's just, um, I, sometimes laugh at myself. sometimes that's the only way to get through. Dude, that's 39 years until 65, due compound of 8%, which was the entire average yearly return of the

Starting point is 00:12:03 entire U.S. stock market since the beginning of it to right now today. $60,000 would have been $1 million, which is what you lost. $500,000 in today's money after inflation, but you lost $500 in today's money

Starting point is 00:12:19 or $1 million. $1 million. is gone. Yeah. Wait, what did you do with it? Maybe you didn't take it out. Sorry, I'm jumping the gun on this. No, I did take it out.

Starting point is 00:12:29 All of it? Yeah. What? And where is it? Where is it to show? Paid off my loans at the time. Of which we racked all the way back up, which you're then going and applying for consolidation today.

Starting point is 00:12:43 What are we doing? No, what are we doing? No, so like I paid everything off and then I had put, and I was, again, smart for a because what I did take out, I made sure to put into a CD everything that I knew would be taxed. So I didn't like go into debt from being taxed or anything. I put that in a CD so I couldn't even touch it because I do know some of my spending habits. Didn't touch that until, you know, tax time rolled around last year or earlier this year, paid off the taxes from it because that was like $6,000.

Starting point is 00:13:26 in taxes for taking it out. And then, yeah, the rest of it went to paying things down and then getting... I'd already saved up some other money as well for moving because I'd already planned on it. But then, of course, I bought furniture but paid off the furniture immediately afterwards with that money. That's fucking crazy. A million dollars gone for that. Do you not realize? I don't think I always knew

Starting point is 00:14:04 what or knew how the 401's worked. And I... You're not 4-0-1, dude. It's just investing. It's not about the 401K. Yes, you had, or because it's tax advantage, you had early withdraw fees

Starting point is 00:14:16 and, you know, you're taxed at your income, but even still, it's the couch. The couch. And what else? Hmm? Lindsay says two rugs. How much did you spend on all that?

Starting point is 00:14:28 I really want to say it was like 21. The house is. dollars on a couch and two rugs. $2,100. No. I'm going to go crazy, but not that crazy. Lindsay's correcting your math. She is $7,000.

Starting point is 00:14:38 It was $7,000 total. $7,000. Remember everything she collected from you? You still live alone independently? Yeah. Can you? Are you capable of this? I do, my lease ends in December,

Starting point is 00:14:53 and I am probably moving back home with my parents for a little while. Will you be 28 at the time? Yes. You'll be 28 moving back home. Yep. I don't know. This is not what we want in adulthood. No, it's not.

Starting point is 00:15:04 Listen, when life gets rough, it is okay to have a support system. I'm not advocating against that. But the fact is, it's all because of your behavior. It's not like life didn't come and hit you. Yeah, no. You got a dog. I do get that. And it had a fire alarm.

Starting point is 00:15:18 Which means we must go doordash and get ourselves into debt and pull out and lose a million dollars. A million dollars down the drain. Potential. Because I do feel like 401. fluctuate, but I am starting to... No, no, no, no, no, no, no. If it's the overall stock market, yes, you'd go up 30% when you're down 20% and another year.

Starting point is 00:15:41 It averages 8%. So we did the average. This is what the stock market is done. On average, all up, years, down years combined since it was literally created to now is 8%. S&P 500 is closer like 12%. I was conservative instead 8%. You probably lost about $15.1.5 million, you know?

Starting point is 00:16:00 Yeah, that's a lot. to lose. Um, I am going back into my 401 now, but not as much as I could get matched with my company. Um, well, I know, you're getting back in. It's just talking about what you lost, all for the sake of a couch, rug and consolidation of which you brought all the way back up again. Yeah. How much did you, um, okay, so, well, sure, we're door dashing, and we're going crazy, all this good stuff. Wonderful, wonderful, wonderful. How much did you spend last month on going out to eat on food? Food, not groceries. Not groceries. Bullshit food. How much? I don't remember. I'm talking self-reflection, what you think.

Starting point is 00:16:34 I know you don't know the number. You don't budget. You don't do any of that. Probably. What do you think? Probably three to 500? Dude, it was 700. Seven hundred.

Starting point is 00:16:45 What is your debt situation? How much debt do you have? Total debt. Including like the car and the student loans. Yeah, which is debt? 60,000. It is almost 70. Dude, you don't know your numbers.

Starting point is 00:16:55 You have almost $70,000. Mm-hmm. Um. Almost 70,000 hours. Almost 70,000 hours. One percent of that every single month is spent going out. One percent. One percent of seven, which is like...

Starting point is 00:17:10 That could accelerate you immensely. Immensely, that could accelerate you. I'm going to be really honest. What do you mean by accelerate? Hold on. Also, I think I'm a little... That's 10% isn't it? No, that's...

Starting point is 00:17:25 No, 7,000 is 1%. Oh, my... I had to think about that too because I was like 7,000? Yeah. What are you doing? Um, I... I just, like I said, I, you know, and I'm working in the mall. There's a whole food court.

Starting point is 00:17:37 And, like, I think about making my food at home when, you know. I'm glad we think about it. We need it's daytime and I'm not annoying my neighbors. What time do you go to bed? Depends on when I work. Knowing your neighbors. Well, because the fire alarm. I plug it!

Starting point is 00:17:51 Report it. Report it to the people. I did report it. And they said they came and desensitized it or whatever. Report it again. Report it again. Okay. It kept going.

Starting point is 00:18:02 But so sometimes I'm like, oh, I'll bake during the day and then just reheated in the microwave because the microwave doesn't make it go off. And then I, you know, get up too late or something. Again, like being in retail, sometimes I don't get off until 11 p.m. And then other days, you know, I get off at 530. It takes it about an hour. Mill prep is microwaving, dude. It's microwaving. Yeah.

Starting point is 00:18:27 It's all that fucking is. That's all it is. Listen, you had 50,000 hours. You had like a $50,000 net worth a year ago. Mm-hmm. Incredible. Nah, maybe it was like $25 because you used some of it to pay out that. Now you're negative $70,000.

Starting point is 00:18:42 That's your net worth. You went from positive net worth at an age when almost no one, median average, whatever you want to use, almost no one is positive net worth. You were well ahead of everyone. Well ahead. You were going to live in upper middle class lifestyle or retirement. Upper middle class.

Starting point is 00:19:00 And you f*** it. And you have nothing to show for it. A little bit in student loans. Other than that, there's nothing. A car where you probably have negative equity. Gone. I think it is negative equity because I got all the things when I got the car. Lindsay said when you pulled it out, you also set money assigned for a trip?

Starting point is 00:19:20 Yeah. For a trip from her 401K, penalties, taxes. For a trip! What trip? That was one of my, let's see. That happened last year. So yeah, that was one of my concerts. She just typed the note that's going to make me kill myself.

Starting point is 00:19:34 Please continue. It was a K-pop concert. Good. Good. Wonderful. And then she had about 5,000 hours left from the 50. Good. What did she use it for? Oh, an emergency fund. And that immediately went to Christmas presents. Because I would buy the things.

Starting point is 00:19:47 And then like I said, I was paying off the statement balances. And the statement balances added up to be the $5,000. And I just... A $5,000 Christmas? Well, it was just $1.5 million for a $5,000. $5,000 Christmas, by the way. Yeah. I'm dead.

Starting point is 00:20:08 You know, I got my parents some nicer things, and then I got my friend... Hold on. Hold on. I think I'm getting just... I think I'm just getting fifted right now. What did you do two months ago? Because, I don't know. Tell me you did something two months ago.

Starting point is 00:20:22 I went to another concert. Okay. Okay. No, she's saying that's not what you... Wait. Hold on. I'm trying. Look, see, I forget things.

Starting point is 00:20:33 What did I do two months ago? You sold old stocks you owned with a previous company. Again? Yeah. That was about $7,000 in stocks. What the fuck is happening? Why? Why?

Starting point is 00:20:49 So you had almost $60,000 in retirement at one point. Yes. And then I had the additional $7,000 in stocks. Dude. Why the fuck did you sell it? Because again, you have $70,000. of debt. Why did you sell $7,000 with a... Did you...

Starting point is 00:21:14 The $7,000 to stocks, did they go up and value you before you sold them? Yes. Are you ready to pay taxes on them? Because that... Now one I didn't think about. Where did you sell them from? In what type of account? Like Robin Hood or...

Starting point is 00:21:31 No, it's through Fidelity. Fidelity? What was it? Just an individual brokerage? I really want to say so because it was an... Was it an IRA? No. Pull up your fidelity app for me and bring up that moment. Bring up that monthly statement.

Starting point is 00:21:51 Oh. Whatever month that was. What the fuck are we doing? And you used it to go to the concert? Some of it, yes. Just to make sure I wouldn't like go over limit on my credit cards. Oh, for sake, you're $70,000 in debt. Dude.

Starting point is 00:22:11 Do do do do do. I'm sorry. I make noises when I think and process things out on my phone. Okay. The individual has gone down our individual account to $21. I don't know how there's still $21 in there, honestly. But I guess that can stay there for now. Let's talk about student loans.

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Starting point is 00:23:45 That is AAA 973-3978. Break free from the high interest trap and get your finances under control once and for all. From almost $60,000 to $21, ladies and gentlemen. What month did you pull out? It should be July, I think. Oh, that's such a shit time to sell. What did you do? I don't think you're going to have capital gains because when you originally got in,

Starting point is 00:24:15 she invested about 9,000. And then she sold when I went down to 7. You sold down. I did? And I highly doubt you're going to tax harvest those losses. No. That point. I really thought it was up.

Starting point is 00:24:31 Maybe it was just up at the moment. You can... I'm not an investor. For the day, maybe. It's not about being an investor. You just have to look. It tells you. It just tells you.

Starting point is 00:24:42 It literally just tells you. I've never, never exactly understood all the investment portions of it. No, it just, it tells you. That's your up or down. It just tells you. Interesting.

Starting point is 00:24:57 Oh, fuck sake, dude. What have you done? Oh, for the single. And then where'd the rest of it go? Use the concert. Okay, where'd the rest go? Pay down cards that I racked up again. Great.

Starting point is 00:25:10 So, and then you apply to J.G. F. G. F. F. Wendworth? J.G. F. Wendworth? Huh? That's what we're applying to? I don't know how it works. And, again, I just wanted to see, to see if it might be a better way of figuring things out

Starting point is 00:25:25 than just getting another loan to consolidate. Because, like, You know, they do say that you could like maybe only pay like half of your debt, but I don't know how they do that. And if it was going to be like bankruptcy, I would be like, nah, that's not for me. I don't think. So I just wanted to see their processes and have a better understand because I don't think it's on their website. You've done this so many times, though.

Starting point is 00:25:49 You've done this so many times. But now you're actually just going to use debt to do it instead of pulling out from investing. It's going to be even worse. Is it? Consolidations are not bad. They are not bad. They're actually a really good tool. Okay.

Starting point is 00:26:05 When you change your behavior. Look what you've done every time you've consolidated in a way. Yeah. Every. And it's not even like I've consolidated just a few times. It's probably been since. How many? How many?

Starting point is 00:26:21 I've tried to think back. How many possibly? I graduated in 15, so I got the first card in 16. So I probably started doing consolidations in 19, I think. but how frequently how frequently if it's like one every four years like uh then it's a couple you know probably probably one every three years ish maybe 2019 that would be two oh no that's more than that so

Starting point is 00:26:50 how many has it been just how many has it been probably probably four or five consolidations because sometimes I would pay off the consolidation a bit early too but that'd be in order to get another consolidation. Oh, every time, like I said, I try to get better

Starting point is 00:27:18 and then I, like, fall short because I'm not good at the budgeting, if that's not obvious. And so it's like, you know, if I want to use, like, a budgeting spreadsheet, sometimes, you know,

Starting point is 00:27:31 everyone has different bills that they pay, and I don't exactly understand how I can put my finances on that spreadsheet. So then I try to make my own. Why don't you use a fa? obviously I advocate for dollar-wise, but... I've tried like rocket money. Yeah.

Starting point is 00:27:51 And I think there's still certain cards that I couldn't connect right. And so I couldn't... Well, listen, yes, a lot of them have issues. That's why we pay for the most premium third-party services so we can connect every single card. That's why dollar-wise is, in my opinion, the best. This is the most convoluted like the other ones? No, but you can at least connect every single account.

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Starting point is 00:29:04 Okay, so round it up to one. If you want to take that quiz, take the assessment, see where you're doing. where you need to improve. It is free at Calebhammer.com. Get your own hammer financial score. Make sure to download the Dollar Wise budgeting app. It is my personal favorite budgeting app with lots of bugs fixes that have come out recently.

Starting point is 00:29:22 It is top tier. It's incredible. Get your free trial. Sign up for the annual version if you want to save a lot of money. And if you do, I'll sign the budget friend of cookbook. That's only going to be around for a couple more months. Then it's going away forever. And I'll mail directly to you.

Starting point is 00:29:34 Check that out at dollarwise.com. That was a little sad. I was just hoping you wouldn't break the book. And that one gets used and abused. It's okay. Let's get into this. Okay. Let's get into the numbers.

Starting point is 00:29:51 Capital One Venture. What's going on with this card? So that was the card. So the Capital One, it started as a, like, normal or I don't remember what it originated as. But I didn't earn many points on it. But then I got to the point that I was paying off the apartment. every time because I would look directly at the apartment bill, but I would forget my other bills that also came out,

Starting point is 00:30:20 like my electric and my internet bill. What a fucking mess. Buddy, you pay rent on Capital One venture? Yeah. On Capital One venture? The fees that you get for paying rent on this? So there's like a 5% fee, 6% fee. I forget about the fees.

Starting point is 00:30:39 You forget about the fee? It's monthly. So many people, well, the fees for the rent, like charging it on a credit card. Yes. Okay, yeah. So it's become more commonplace now for more places to, like, charge you for using a credit card. So I kind of got used to it. And I kind of overlook it now.

Starting point is 00:30:59 What? It's all for the points? For the sake of the points? The points that don't get me anywhere right now. Because I've got like $200 in, or $270 something dollars. Which means nothing because you literally lose $12.27. $0.82 cents a month on interest on this card alone. That's where it's at now?

Starting point is 00:31:18 That's where it's at now. But you also lose who knows what for fees that are tacked onto your rent. Yeah. Which I'd have to actually look at because... It's usually... What is it? Like 3, 4, 5, 6% depending? Probably? Yeah, it's...

Starting point is 00:31:32 You don't do it on a credit card. Except for, like, the built card. That's like the one thing. The built card. Not a sponsor. They should. Oh. But... I don't know. the points are just free money to you.

Starting point is 00:31:44 You're spending like $5 per $1 points. It's crazy. Yeah, I think that's the craziest decision I had made on that one. If you make your minimum fee payments only and you do not purchase, which you're incapable of, oh my goodness, $4,177 to purchase this last month on this car alone. I'm going to fucking die. Okay, cool. How long does this take the payoff?

Starting point is 00:32:06 I'm going to guess about five, six years? 26 years. Oh, 26. If I only do the minimums. It's horrible. Okay. Oh, yeah. Is that 52 for you?

Starting point is 00:32:23 Yes. And then yay, we will have finally paid off a card to card. Except no, because there's no way you're not spending on it in 26 years with your record. Yeah. And that was, it's kind of really stupid because that is the card that made me really want to apply for everything. You're always. What had happened was? What had happened was?

Starting point is 00:32:59 You. So I, like I said, I normally pay off exactly at least my rent. Yeah. And so I, the rent was due earlier this month. Shocker how that happens. No, exactly. Paid, or it declined. And so I was like, oh, okay.

Starting point is 00:33:21 Let me make sure the rest of the money is over. Declined for what? It was like $100 short. It's your fucking purchases. Yeah. $127 of interest accrued. $202 minimum payment. We are at $6,627.

Starting point is 00:33:35 $0.25. 26 years to pay off. You'll pay a total of $21,898. Oh, goody. That's great. What's that one? We got Papau. Papu.

Starting point is 00:33:51 Papa you! We're going and getting restaurants. Rented a car. Rented a car? What are you renting a car for? Who are you rented a car? Why are you rented a car? You have a car?

Starting point is 00:34:00 I think there's a car. There is a car. Why are you rented a car? About a month ago, a month and a half ago, I did get in a car accident. It was not my fault. Don't do that. It was not my fault. You are a woman.

Starting point is 00:34:11 They rear-ended me. Ladies and D. gentleman of financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app you get the cookbook mailed to you and signed by me you get to learn about debt investing budgeting budgeting real estate basic beginner stuff and finance all the way to the advanced stuff collaborated by

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Starting point is 00:35:29 Okay, that sucks. I don't need the whole car car story. It wasn't your fault. I'm sorry. Yes, you weren't your car. And that wasn't covered by your insurance? So they had their own insurance, and that was a whole ordeal because it was my first time ever getting an accident. And I didn't understand how it worked because of my first accident since, like, becoming an adult.

Starting point is 00:35:47 Because, yes, I had one previous one. But I was a lot younger, and that one was my fault years ago. But anyways The car rental place It was covered by theirs Up to a certain amount And then they still Because I wanted a certain SUV

Starting point is 00:36:05 That's how that happened You wanted a certain SUV Well they gave me an SUV But then it was the only SUV they had And I don't understand how some of those things worked Just because I've never experienced it before But anyways I want you to just get to how to finish the sentence

Starting point is 00:36:21 Okay It was like four extra the dollars a day? Quiet. What is Studio 6? Studio 6. Hold on. What was the...

Starting point is 00:36:33 How much was the charge? One was $34.50. One was $50. Studio 6. Um... Then we got some Pacco in here. We got Chick-fil-A. You don't know what Studio 6 is?

Starting point is 00:36:46 You're spending a dick ton. I did? Yeah. How much was it? What? There was two purchases. It's like $8.4. Toney.

Starting point is 00:36:55 Texas BB Club McDonald's going in and getting some bullshit 1,389? That's my apartment. Oh, thank you. That would be insane. Do you know what's crazy?

Starting point is 00:37:09 You spent $4,177 on here. $1,389 of it was rent. Me, fuck you. You blew $3,000 or whatever. There's parking bullshit. Park King. Some Genting Globe Life, $140. Oh yeah, that was concert.

Starting point is 00:37:27 Now, half of that was getting paid back by my friend. What, the concert? The half of the purchase because that was when we bought T-shirts. Which purchase? The Globe Life. Okay, great. That was $140 to the extra $3,000 you spent on a turn of rent, on top of rent. This is insane.

Starting point is 00:37:45 Oh, Studio 6 was the hotel. That's what Studio 6 was. Sorry, that just clicked. This is insane. and you're leaving out on 28.49% interest rate card. Better interest than my other cards. Is it? 28?

Starting point is 00:38:09 Really? That's usually like kind of where a lot of places are topped out now for average cards. Listen, listen, here's the thing. What? The store cards are 30-something percent. Well, fuck you either way, because you've had a late fee this year on this card. I did. I think one, right?

Starting point is 00:38:27 That's one on this card. Why? Thousand hours in interest. I got... Thousand dollars in interest. I got to the point... I had had all my things on autopay. And then for some reason,

Starting point is 00:38:43 I was adjusting, I was trying to adjust how I was putting the money to the accounts so that I could pay a little bit extra. My guy, you make money for Houston. You're fine. You're in a great income position. Yeah. I was like, not like stellar.

Starting point is 00:38:59 I'm not saying you're rich by any means, but you're in a strong position. Especially at 20 fucking seven. Yeah. This makes no sense. I have family history of buying things. Family history. You don't blame family history?

Starting point is 00:39:14 What the fuck you're talking about family history? Well, I'm just like. But I had foreclosure notices on my house growing up with this. I mean I should have foreclosure. What the fuck are you talking about? I just learned spending habits from the parents. No, you learned that it was, did you see how it is? So you do different.

Starting point is 00:39:28 What are you talking about? Well, like, you know, sometimes my parents or my, my dad has things that he likes to buy. My mom has things that she likes to buy. You know, I never really went to many concerts as a kid. And so, especially now being an adult with my own money, I like to go to the concerts so that I could have. You should be able to go to concerts. You should be able to afford concerts in your situation. You just live well beyond your means.

Starting point is 00:39:52 It's not even close. You spend at least 50% more than you should. You would have. Dude, if you're starting, you... Okay, yeah, the poll in the 401k shit was stupid, okay? That was dumb. That was stupid, I want to die hearing it. Okay, but here's the thing.

Starting point is 00:40:06 Okay, good. So you paid off debt. You're starting fresh, making $4,300 a month net after taxes. Great. You were doing that fresh, nothing saved, but also no debt. Wonderful! That alone, 50, 30, 20, you have substantial fun money to spend. Substantial.

Starting point is 00:40:25 If I were paying other things. Huh? That would have been $1,290 a month in fund money. I'm not saying you can't live. You should have been able to live. But you lived at $3,000 a month, $2,500 a month. Who knows? And you did that while also putting your wants higher than you needed to,

Starting point is 00:40:44 building your debts, which pushed up your minimum monthly payments, which f- And now you just can't afford to live. You can and should, in fact, be in a good position. But you're not because you- I like buying merch and stuff. And you can. Your income, you can.

Starting point is 00:41:02 You have substantial fund money to spend on a monthly basis. But you f*** it. You spend double, triple what you can. And now you're done. You're done. But there are so many things like I wanted then. This year alone, you've lived three years worth of fun in terms of your spending. So that means you cannot live the next two years.

Starting point is 00:41:22 Ambition comes in all shapes and sizes. 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 Spending on fun. You've already lived it. You've already spent it. It's done. Now it needs to all go towards debt. What? I'm just thinking of the K-pop. The K-pop? There's always K-pop, except, I mean, Korea's not really going to exist in about 75 years. But, I mean, you'll be fine. You'll be fine. You're not going to be dancing at 100.

Starting point is 00:41:58 Well, no. It might be spinning around, but... You know, there's groups like BTS who are finally all back from military, and they have a concert next spring. That's a concert, dude. But it's, again, the fact that you go to a concert is constantly and travel constantly and get the hotels constantly and get all the merch constantly, it's about your over, over, over, over, over spend.

Starting point is 00:42:17 Good. Concert next spring, wonderful. That gives us a goal, a place to pay off a shit ton of debt. Yeah, I guess. Nah. How much is your BTS concert? Oh, I don't know yet. They haven't really...

Starting point is 00:42:27 It's going to be a ticket price. Zane. Oh, probably. There's a lot of fans. Yes. And Ticket Masters is on stage. It's crazy. Everyone loves them.

Starting point is 00:42:34 Americans are obsessed. Yes, my girlfriend's a big K-pop fan. Oh. My second in command here, his wife is obsessed with K-pop. In fact, they've all been to Korea. This is just, this is like, I get it. I get it. I get it.

Starting point is 00:42:47 That's an ultimate goal too. You have $10,000 of BTS merch in your apartment right now? That's what I'm estimating. Yeah. That is crazy. Okay. There's a way to go to BT. Have you seen BTS live?

Starting point is 00:42:59 Yes. In 2021. Good. Well, here's a way to go to BTS. Sell that. Put it towards that. My thing is with the selling it is I get really concerned, at least for myself. Yeah?

Starting point is 00:43:12 Well, no, not for like... Five foot four... Getting... It's going to pull up and... Well, no, no. It's the expectations that are around K-pop merch selling. Because, you know, a lot of people when they sell the photo cards, because think trading cards or whatever

Starting point is 00:43:30 you want to think for that. But when they sell the photo cards, they're like, oh, here's like 5,000 stickers with it and here's this cute little case that goes with it. And I don't want to do all that. Like, I just, I don't know how to, I don't know how to get it shipped out or sold it. Maybe there's a third party that does it

Starting point is 00:43:47 and you lose 10%, but it's still worth it. And that gets you to being able to go to BTS. I like BTS. BTS is great. Go to BTS. I want you to. We have to sacrifice. You've gone to BT.

Starting point is 00:43:57 You've already spent your BTS money over the last couple years. In order to get there, we have to make sacrifices. That means selling your $10,000 of BTS. Yeah. How many times have you seen BTS? Twice. Okay. It's not the end of the world if you don't make it,

Starting point is 00:44:13 because you'll probably go see them again. Their military service is done, right? Yeah. It's like you'll be able to see them again in the future. That's true. Like if you miss this one, it's not the end of the world for the sake of your entire life. It's one of those more special.

Starting point is 00:44:27 ones because like the one that I went to was right after COVID right and then this is right after they're getting back from the military. Like just like Taylor Swift and Swifties, it will always be a special one. There will always be a reason why this is a special one. Debatable. Come on. No, no, no. You will always cope that this isn't special one.

Starting point is 00:44:46 This year, like last year I went to 17 and that another K-pop group last year I went to 17 because it was their year before everyone was breaking out. military, but this year, you know, they're coming back through. My friends are like, hey, you want to buy tickets? And I was like, nah, I just, I can't this year. Because I already knew. I already said no. I get it.

Starting point is 00:45:08 The fucking gay pop girlie that starred in season three of the White Lotus is one of the hottest women ever invented in the history of humanity. I get it. I'd pay a lot of money too, but I can afford it. You can't. I mean, that's just the reality. There is a mathematical factor here. I don't always like the math, but.

Starting point is 00:45:25 You don't even like the math? Sometimes I don't like the math. But you like K-pop? Pretend you're Asian. You love the math. What's the next one? This is probably the first time I'm really looking at my statements in a while. I bet.

Starting point is 00:45:42 That's all f***. That one was over maxed out. Buy a lot. Yeah. Apple card. What's going on with the Apple card? Okay, let's be honest. Waiting for payday feels like watching paint dry on your last dollar.

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Starting point is 00:46:41 Let's get back to the show. That one became a quick spin because it's on my phone. And it's just... Tap. Tap. Yeah, great business model. That's where... Oh boy, it's...

Starting point is 00:46:54 I bought my tickets and my friend's tickets. So she's paying me for that. I think she's almost done paying me for that. I'm not good at always tracking it, but she is. She has it. She pays me like every two weeks for it. But I also use that to buy all my other tickets previously. You know, I bought my mom tickets for Lauren Daigle.

Starting point is 00:47:16 Did you call me? I didn't call you anything. I said Lauren Daigle. Daigle. Yeah? Okay. But that was like a year ago. Sorry, you kind of, your words flow into...

Starting point is 00:47:33 I ramble. I just can't hear you after about one sentence. Oh, okay. I don't know what it is. Okay. I don't know if it's your fault or my fault. Am I boring? No, it just, they just, they keep going.

Starting point is 00:47:49 Yeah, like I said, I ramble. I'm a rambler. You're a rambler. Sometimes it's good and sometimes it's not. It's probably what I also do with my finances. I ramble on with my spending. Do you have a boyfriend? No.

Starting point is 00:48:00 I would suggest it's not good then. Out. Okay. There's probably a lot of reasons. But, yeah, no. I mean, we got to fix a few things first. I don't really want to focus on dating life when I need a focus on this. Well, I assume you're waiting for.

Starting point is 00:48:21 Uh-oh. Gin. But he is actually my favorite from BTS. Yeah, mine too. Oh, really? What do you know about him? No, I'm a Jim and kind of guy. Oh, good.

Starting point is 00:48:35 Jimmin? I'm a Jimmin kind of guy. He is a very pretty boy, too. He's a pretty boy. They're all pretty boys. He's got a lot. Jin has the more recent songs. Jimon recently got out of military. Jin got out first. But yeah.

Starting point is 00:48:52 Jimon's music is very much. I think we almost dropped the nuke for them back then. We didn't. No, we didn't. We almost did. For them. For them. But nukes are bad.

Starting point is 00:49:03 So. At least they stop. force, but they're still bad. All the, all the aftermath. Well, it looks like you were at work because you went to borrow. Yeah. Yeah, you did. Venet machine, Venomachine, Venet machine,

Starting point is 00:49:16 Dosay Canoli, Venomachine, Venet machine, Freddy's Monster Minigolf. We're definitely not on a date with Jim in there, are we? No, that was an outing with friends. I do actually have friends. Venom machine, Phenem machine. I like Coca-Cola. Growth therapy, $184? Oh, yeah.

Starting point is 00:49:34 After the wreck. I kind of went into, it got me very, very anxious, so I actually went to find to see a doctor. No. What's growth therapy? Oh, it's just therapy? Yeah, that's actual just therapy. Well, I was thinking growing.

Starting point is 00:49:49 No. That's the word I was set on. I think that stuff is disgusting. Yeah, it's very stinky, very smelly. Disgusting. Okay, thank you. Anyways, but yeah, actual therapy. Cura revolving, Disney Plus,

Starting point is 00:50:01 Venet machine, Chick-fil-A, chicken filet, Venom machine, Houston. Venet Machine, Venet Machine, Papayao. Therapy again, I'm okay with the therapy. I don't like that on the card. That's probably back south. That's accruing interest.

Starting point is 00:50:14 But Shakura, Japan. Cheating on your Koreans. Venet machine, Chipotle, Microsoft, Microsoft. I got to remember what Microsoft ones were for. I think I'm trying to take some, like, online classes for Microsoft. The Greens like Chick-Fle? Because you're in the Cigona Chick-Chic-Fle.

Starting point is 00:50:30 Actually, they're a very conservative culture, so maybe they do. It's possible. I do call it the large chicken. I mean, it's great, especially when you're stressed at work. I don't know if they're religious, but they're very socially conservative over there in the Western Eastern nations. That is true. But yeah. Yeah, that was on a thousand hours of purchase, by the way.

Starting point is 00:50:49 Pretty much all bullshit, except for the therapy. You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your oceanfront room.

Starting point is 00:51:06 just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Which accounted for maybe 250, the 1,000, so a quarter.

Starting point is 00:51:24 Yeah. Okay, great. That's wonderful. A 26.24% interest rate. $74, $0.80 of interest to go to that month alone. It's going to be hundreds of dollars by your end. Your end. Already a thousand on the last card.

Starting point is 00:51:37 So we're going to be like, what, by end a year. Almost 1,000 to $1,750 on both these cards combined? For what? For Chick-fil-A? And Coca-Cola. And Chick-fil-A. And Chick-fil-A. I love Chick-fil-A.

Starting point is 00:51:51 Yummy, yummy. Um, yeah. But I can afford it. I thought I could afford it. Really? Yeah. That's the only reason I would actually like go through. Wait, how do you think you could afford that?

Starting point is 00:52:03 You knew your deaths were not being. paid off. How did you think you could afford that, please? I would like to hear that. Remember how I sold my stocks? Huh? Remember how I sold my stocks? I thought I could afford-

Starting point is 00:52:15 No, stocks. Okay. Yes. But you thought you had more? I thought I still had some more money from that. Where? In one of my bank accounts. I think I tried to oversimplify

Starting point is 00:52:30 and I over-confuzzled myself with the different accounts that I have. because I have two checkings and two savings. Why? Why are you overcomplicating this thing? Sometimes I feel like if I separated it out, it makes it easier. And I'm realizing now that I overcomplicate, and so I'm trying to go back to simplify.

Starting point is 00:52:52 But I don't know how to go about probably closing one of those without, I don't know if it affects you badly if you close a bank account because I've always heard. What, a bank account? No, close a bank account. You can close a bank account? A bank account or you're talking credit card or bank account? Bank account. Close it.

Starting point is 00:53:08 Yes. Who gives a... No, no, no, no, no, no, no, no. Nothing. You should close your credit cards because you can't be trusted to have credit cards. I'll get you access to the FISCard,

Starting point is 00:53:16 Debra card that builds credit. That's fine. I'd use that. I also get you a course credit certification, but honestly, I have a pretty good career path right now, so, but maybe you can get that someone in your life.

Starting point is 00:53:29 A lot of people who've used that in the show to update their resumes, get better jobs and higher pay. I highly recommend, but... Okay. Yeah, there's Wells, Fargo, fuck you,

Starting point is 00:53:39 is, uh, this is insane. This is the biggest balance yet. And I'm three in. 8,014. And four cents. Minimum monthly payment of two,

Starting point is 00:53:52 10. These are stacking. And you're over the limit. You're over the fucking limit. That's only because the interest. No, was that because the interest? Is that because the interest?

Starting point is 00:54:03 Well, it's, that is not how that works. That is not how that works. That is that how. that works. That's how that works. I mean, obviously, I spent to get there, but... That's how that works. If you are just making your minimum monthly payment, the interest

Starting point is 00:54:17 is the minimum payment is always going to be high enough that it will still technically go down after interest. The only way for the interest to push it above the balance is after you make your minimum two payment, you immediately purchase money up to the max, and then the interest, shocker, pushes it above. That is the only way that works. That is the only way that works. Twenty-two years to pay this one off. 22 years. What are we doing? Minimity payments only without purchasing it.

Starting point is 00:54:42 Oh, we purchased, because you purchased $857. Just this month? Mm-hmm. Well, $129 of interest accrued. So is $700 worth of purchases, or is that the $8? $8.57! I was thinking sure. Where did you hear $700 from?

Starting point is 00:54:59 Well, you said that was, or you said the interest. So the interest, so that'll be like $900. $19. Okay, okay. Oye. You started over the limit any fucking way anyway. You're just in over early. That's all you are.

Starting point is 00:55:20 I get to a point where I try and then they just... I spend it again. And then you give up immediately. Thousand hours in interest this year so far almost. So we're going to be like $2,700 by the end of year. You're almost... That's a half a month's pay. Half the hours you worked last month is already gone.

Starting point is 00:55:35 Already gone. In interest. Dairy Queen? Oh. We're doing that. I'm eating a lot of Dairy Queen after this. Our Hammer Elite show. Mm-hmm.

Starting point is 00:55:47 Because we post three premium shows every single day Monday through Friday. We're doing that taste and valuing the entire Dairy Queen menu. I'm very excited. Tractor supply. Tractor supplies for my dog. That's dog food. Interesting. McDonald's.

Starting point is 00:56:03 Petco. It's not dog food. That was probably for a bath in a nail trim. Put him in your bath. Cut his nails. Geronimo Adventure Park $234. That was an outing with my mom. Your mom.

Starting point is 00:56:20 She can pay for it. No. My mom is nice. I wanted to take her out. And she can pay for it. No, no, no. You're over the maxed out. I want you to do it as well. You're over maxed out.

Starting point is 00:56:30 That's impossible. You cannot. You're destroying your life. You're destroying your life. I want you to. There is nothing in here that I do not want you to do. Yeah. You cannot do it because you've destroyed.

Starting point is 00:56:41 destroyed your finances. I just, yeah. I mean, I get that. But like, I always, I'm one of those people. It's like, uh, love is a gift paper. Sniffspot.com, ballet restaurant, bakery cafe going in and getting some bullshit. I like food.

Starting point is 00:57:03 But, uh, sniff spot is also for my dog. What is that $20? So basically it's like you rent people, because I live in an apartment. So you like rent somebody's backyard for like an hour or two at a time. And I had only, I had. Dog parks are free and they're everywhere. And you are in the fourth most populated city in the country.

Starting point is 00:57:26 I also wanted her to be able to go swimming in clean water and not gross water because the water at the dog parks are gross. But I only meant to do it the once. And then the subscription like automatically hidden and I wasn't able to cancel it. I did cancel that one a week ago. $783.84 and $16. $1.00. Is it a crew in that 20% interest? 100, something of that is also for my dog's care credit.

Starting point is 00:57:53 Not care credit. Care club. Okay. Is that your insurance? That's through her vet. And basically it split up all her shots and her spay. Because I got her spade, responsible dog owner on that part. Got her spayed.

Starting point is 00:58:11 So they split it up over the first year. year so that you're all your shots and you can have unlimited. Okay. Okay. Yeah, thanks. Affirm. Anyways. What's going on with a firm?

Starting point is 00:58:22 I bought a Samsung watch that I'm not currently wearing because I forgot it today. Why? Because I like tracking my steps and it has, it has, it has better. Get a little fit bet, dude. I was supposed to also return the, the old watch so that I could get a credit. The fact is, with your income, this is a, it was a $240 purchase. Yeah. There's remaining $182.66.

Starting point is 00:58:52 You can get that on your income. But you've just allowed yourself to get completely fucked. You're done, man. You're done. I just, I keep thinking that I have the money. How? How do you think that, though? How do you think that?

Starting point is 00:59:09 A lot of times I just go, there you go. There's, there's. there's the card, you know. That's you thinking you have money when you say because you can say, here you go, here's the card? That doesn't make sense. Sometimes I just don't look. Well, like I said, this is probably my first time looking at the statements

Starting point is 00:59:26 in probably six months. For the whole last six months, you just put your head down, didn't even give a fucking, just thought you had money? I would, well, I mean, I looked at the statement balance and, you know, I paid a little bit more than the minimum mostly every month. But then I would charge it back up. Well, the minimum's payment is $121.

Starting point is 00:59:43 $122 a month, so I mean, it'll be paid off quick. But it's just, this is so stupid. This is just so stupid. The Samsung watch, I guess it was $340. Yeah. But even still, in your income situation, you can do that. But not when you're like this. You've, the whole thing up,

Starting point is 01:00:03 meaning you cannot actually live the life that your income usually is able to provide. You can't. Yeah. I guess it's. No shit that happened if you just stick your head down for six months and don't even look what's happening. You're like, I have money. No, you don't. It's one of those things. It's like, I hadn't affirmed for a while. And so I finally was just like, I haven't affirmed for a while. So let me affirm this. Because then I can afford it because, you know, it's the $60 payments instead of, you know, $240 at once or the actual-

Starting point is 01:00:35 Affirm. You can't have access to this. You're abusing it. You do not understand. Just the consequences. Your minimum payments are stacking immensely. And it's going to make your entire life unaffordable. It's why you can't do things. It's why you feel the pinch. Why you feel like your income is not stretching as far as it should? Because your minimum fee payments are already up to, what is that? $650. And we're not done.

Starting point is 01:00:58 We're not done. When I last- You have $70,000 of debt and we have not fucking got there yet. I'll tell you that, not even half. No. Because I remember the last time, which was like three weeks ago, that I was like, oh, how much money do I even have per month after all these minimum payments?

Starting point is 01:01:12 It was like $300 to spend on food and gas. So you think you can go get a $350.50 hour watch, huh? Yep. Okay, Macy's Wonderful, right at the mall. Exactly. I work in the mall.

Starting point is 01:01:36 So it's, I didn't open it until last Christmas and that's when I bought all the Christmas presents. And then, you know, I know all the sales that are over there. I thought you used the 401K bullshit for that. The $5,000 left from the 401K. Well, I bought it on the card so I could get the additional discounts and then I paid off the card. Oh.

Starting point is 01:02:02 $232 to 60 cents on here with a $68.55 minimum of payment. $30 a fees charge, $5.55 of interest and $65,000 of purchases. This one of, this is a doubled. They fucking doubled. It more than doubled. Hey, you had a late fee. Yeah, they had to call me on that one. Registered candy.

Starting point is 01:02:25 You got candy registered. Levi's dresses merchandise I had to dress up for work You had to dress up That's why we got candy and merch What the fuck are we talking about Well the candy is because I need sweet treats

Starting point is 01:02:39 Every now and then But the actual clothing Well I mean you know work Sometimes you just You get overstressed I budget it in I budget what I'm allowed to do

Starting point is 01:02:50 But sometimes you just like Need a quick sweet treat So now You need to know The difference between need and wants Yeah But like I Trying to get a little bit better

Starting point is 01:03:01 So instead of buying That's why we have a late fee Buying Instead of buying candy at the register I got a 34% interest right What? You got a big what? I got a bigger bag of Eminem so I could just

Starting point is 01:03:13 Yeah but you might just plow them You might just go You know Just swallow them all Huh? I'm not that crazy I don't know Well of course

Starting point is 01:03:22 I love candy I'm like candy's wonderful The bigger bag I get the more candy I eat, because there's more candy. Not when you forget about it in your, your, like, little cabinet. You're stopping in sweet treats. You know what you forget about paying on time at a 34% interest rate card.

Starting point is 01:03:37 I think it's only on two cards. But, yeah, they, I think they recently increased that percentage. This makes no sense. I mean, Lindsay's telling me you buy lunch at them all every single day. Yeah, we're stopping for sweet treats. That is your sweet treat. Why do you need an additional sweet treat on top of your sweet treat?

Starting point is 01:03:53 On top of your sweet treat. So you're getting your sweet treats. your entire life is a sweet treat. You've lost $1.5 million for sweet treats. $1.5 million for sweet treats. Yeah? But, I mean, there's no guarantee I'm going to live that long. No, but there's a guarantee that you had two late fees this year so far on this card.

Starting point is 01:04:15 Two, two, two, two. And also, here's the fact. More sweet treats, you're right. Less likelihood you're going to live that long. Two, statistical reality as a human, as a woman human, especially in the United States, you are going to live into at least your upper 70s, right? So let's bet on the statistical likelihood and make this sacrifice that isn't that much right now,

Starting point is 01:04:36 because you have a strong income, to live a decent life and prepare for that time. Prepare for that time. Okay, statistical reality. And if you do sacrifice and then you die tomorrow, you won't even know you sacrifice and you won't regret it because you're dead. So it doesn't matter.

Starting point is 01:04:52 I mean, you've got a point there. This is crazy. What is this? What am I seeing here? Klarna. Why do I see TikTok? Why is there a TikTok logo right in front of me? That is my only, my only TikTok purchase ever.

Starting point is 01:05:09 And it was... Of $120? $120. Of what? It was a certain edition of a Bible that I thought would... Oh, TikTok? Yeah. It was cheaper to get it on TikTok than it was to get it on their actual website.

Starting point is 01:05:23 So I figured that was... Does the Bible? a proof of K-pop? That's something on why I'm reading the Bible right now. To learn if there's a K-pop passage? No, just I'm trying to get back into church a little bit more, and so that was one of my, I needed a new Bible. I can't wait until the youth service is K-pop.

Starting point is 01:05:47 You know, some places actually already do it. Exactly, because they cater to the youngs. Listen, when I was young and my grandparents, they dragged me to that Sunday. It was just like, oh, man, here's youthful music. Youthful music now is like K-pop. Yeah, there's actually a new person that is Christian singing like K-pop stuff, but it's Christian songs. I thought that was cool.

Starting point is 01:06:13 But yeah, anyways, that's a Bible, which I think is one of my, I consider it more necessary, but I probably definitely could have gone something cheaper. Yeah, you could have got a first. You could have got a free one walking down an avenue anywhere. Go to a college campus. They hand them all like candy. Those people that won't leave you alone on the corner? Some of those people are weird and scary.

Starting point is 01:06:37 Yes, but it's free. It's scary, I don't know, but it's free. Yeah, Houston. I know this is awesome, but still, Houston. Quarter the nice part of Houston, there's Rich Houston everywhere. Don't go to ghetto, Houston? Houston! Okay, but yeah.

Starting point is 01:06:55 I don't know. Rich Houston, in certain areas. And that's a drive as well. So I still love the K-pop. I still love the K-pop. Yeah, K-pop's great. Yeah. There's not much music I don't like.

Starting point is 01:07:10 Do I destroy my life for it? No. I wouldn't say I completely destroyed my life for it, but... How would you define this? One more time? How would you define this? In a bad spot. Hi, I listen here, Financial Audit.

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Starting point is 01:09:18 So it on this card with a minimum fee payment of $117. Oh, Amazon Chase card. What the fuck is going on in this card? Yeah, you spend $157. 15 years to pay off. $81.53 of interest accrued. And yeah, it's a couple bucks for maxed out. What is going on here?

Starting point is 01:09:34 That one, I usually also use that one for going to restaurants because you get five times of points on those. But then I got to the point. No, no, no, no, on this card. Five times of points at Whole Foods and Amazon. No, I think I got on. Restaurants? I have this card. I think there was maybe a month then that it did that because I remember going to.

Starting point is 01:09:54 to like, I went to a few and it was like, oh, that's a weird amount of points and I looked into it. This is a few months ago now. I thought it was that much. Amazon, Amazon, chatters, Domino's Dairy Queen and a vending machine. You've had two late

Starting point is 01:10:08 these this year so far in 500 dollars to venture. So yeah, you're going to lose an entire month's worth of income by year to send. Pull up your Amazon and start a screen recording because it's Android. I don't know how to. Got you. Samsung. Big K-pop fan.

Starting point is 01:10:24 She loves Korea. I do. She loves Korea. She's going full, like, choose one of the three oligarchs there. She chose the Samsung family. Where's my screen record? Hey, I love my Samsung since I first got one.

Starting point is 01:10:38 Do not come after me. I love your products. I have one of your TVs at home. I am not making fun of you. I know you are powerful and very scary. So the previous orders? Yes. If your phone had iOS,

Starting point is 01:10:53 I would use it. If it connected to my iPad, I would use it. Sister. Okay. Very good TVs. My only very recent one was... Give! Give!

Starting point is 01:11:05 The only one that's like right there is actually a Bible for somebody else. Two, you need double? That was for someone else. Does that double your chances? You are HIV Al-A-Din? Post-death? Huh? Post-death? No. Again, that one was for somebody else.

Starting point is 01:11:26 It's a different version with different print. No, I think the most recent purchases were for my dog, one being like Benadjurl because she had gotten sick. Yeah, okay, see, Simperica trio for my dog. The Benadryl was for my dog. And then necessities. That's where I get some of my necessities. It's not bad.

Starting point is 01:11:46 No. Not to be $3,000 on the card. The card was bad and your two late payments to Zier so far were bad. Oh, let me stop this. And reminder. We do like Samsung here. Samsung. If you were hearing this, Mr. and Mr. Samsung.

Starting point is 01:12:02 You like them. I like them. I like still being alive. Yes. I like your company. I have your electronics. What's the dude's name? Bezo. Oh, wait, no.

Starting point is 01:12:14 I'm thinking Amazon. That is not a Korean last name, Bezos. No, it is not. It is not. At least you know how to stop them. You owe $72 and $17 yet your past due. For what possible reason? $1,000 payment.

Starting point is 01:12:29 This is so feroonic. Fees, interest, I get into that interest. So when... Minder, we like Samsung. When I made a purchase on Amazon, like on Amazon, I forgot that card was linked.

Starting point is 01:12:45 And so I hadn't spent on it in almost a year. Usually when I spend on my Best Buy card, it is on a Samsung product. At Best Buy, probably, or just anywhere. That's what I was saying.

Starting point is 01:12:56 Yeah. But, yeah, so it went through Amazon. I didn't realize that one not charged. And because I haven't used it in so long, I didn't realize that there was a money due on it. Sam's Club. Sam's Club. That card made me mad.

Starting point is 01:13:15 Why? So. You don't own anything. There's nothing to even write down here. I mean, you paid this off. So, well, it was at a $1,000 limit. And then they recently dropped it to $250. Good, because you're not trustworthy.

Starting point is 01:13:28 Yeah. They, for some reason, thought when I was paying off the car. earlier this year that it was a scam for some reason. I had to call them to go, why? About 60% of your purchases on this year so far, looks like about gas, but the rest has been just going out and bullshit. Yeah.

Starting point is 01:13:43 In terms of the category that it lays out. And I mean, Sam's, again, Sam's is good. I like Sam's Lake Costco. They both places sell Samsung products, so I really like them. But you went and got Chick-fil-A. I did get Chick-Fleigh on that card. Not much.

Starting point is 01:13:59 I actually like forgot about this card too until I remembered about it. A late fee. A late fee on the Sam? Yes. I don't remember that one. What the fictulous. Chick-fil-A late fee and then you pay it off.

Starting point is 01:14:14 You're just losing money. You're not a credit card person. Close all your credit cards. You cannot be trusted with a credit card to save your fucking life. So, but if I... Like if that's an actual option, again, learning things here.

Starting point is 01:14:28 Yes, it's an option. Close it. Well, like, how do you? close it and then pay it like that's just how they work. Contact them, go down the website, call them. Do what you got to do. And then... Who knows?

Starting point is 01:14:39 Take away the tool that is damaging you. You cannot manage it worth shit. That's better than locking them away in my apartment, huh? Because I try to do that for a while. That won't work, buddy. You can put things on your phone. You can order a new copy. It doesn't work.

Starting point is 01:14:55 Yeah, I've done that. Yeah, no shit. I'm not surprised at all. Okay, care credit. Care credit. $71 balance. Oh, you're even past $2?2. Dollars, what is wrong?

Starting point is 01:15:14 You went from $60,000 saved in retirement well beyond anyone your age. By the way, that's like the savings rate for retirement for someone like a decade and a half older than you at that time, by the way. Maybe even two decades. Like, it's crazy. You were doing so well to being passed due on $2.21 cents. What a fucking joke! That's another one I didn't realize had any money spent on it. I don't even know what's the dollars.

Starting point is 01:15:41 $71,48 stupid cents is what's owed? You purchased $67.20. You owe $32. And $21 for your minimum. What a f***? This is so stupid. It's so stupid. Yeah, you've had many feces here so far and interest.

Starting point is 01:15:58 You're just, you're, you're behind constantly. It's at a 34% interest rate. And yeah, obviously it's a vet thing. but what the I just pay. I blame the user interface on that one. Blame you being a dude, this is,

Starting point is 01:16:13 you just have to click a couple buttons. Not when, so every time on their app at least. Hey, I'm going to let you know compared to a lot of people, you're not a complete idiot who's come on this show. And yet even them who've,

Starting point is 01:16:25 I've met some of the dumbest people have ever met in my life on their show and they pay their care credit payments because everyone has care credit. I don't know what it is. It doesn't let me log in. You're being stupid. Shut, are you being...

Starting point is 01:16:36 Call them. Set up auto pay. This is so easy. Set up auto pay! I probably should. Oh, you probably should. I would suggest so. Okay, what is one main financial?

Starting point is 01:16:54 What's going on with this? You got $4,997 of something. Is that the one that was from November? I don't know anything. So I have two. One was for dental and one was, I think, a consolidation. Are they the same amount? One was about 5,000.

Starting point is 01:17:11 I think the 5,000 is the dental. So that one should be the one from last year. Okay. What? Did you break? Huh? Did you break? That's a lot of dental work.

Starting point is 01:17:21 Well, yes. I'm a ginger. All your sweet treats? Probably. What do you mean you're ginger? Lindsay has good teeth? Claire has good teeth. What are you talking about?

Starting point is 01:17:30 I'm surrounded by gingers. I don't have a choice. So this is an actual... That's funny. This is an actual thing. Like, gingers have a harder time at the dentist because of all the pain meds. And they're not always the best.

Starting point is 01:17:41 And so when I was a kid, I was traumatized. And so I didn't go to the dentist for a very long time once I became an adult. But I found a good dentist. And they fixed a lot of things, obviously. Well, that's fine. But the fact is, you alone, this shouldn't be a major issue with your income again. But because of everything you did, it was a major issue. Because if that was the only payment.

Starting point is 01:18:01 And 8%. You took this at the same time. You took out the 401K, though? That one, yeah. What the fuck? That would have cash flowed. I would have probably been a better option. But now you're at a 21.8% rate.

Starting point is 01:18:14 What? Um, yeah. I was just trying to be really sure that everything was covered correctly and breaking it up in payments was easier at the time. This goes to the end of the fucking decade. $163.65 minimum of the payment. $4,997 of $44 is owed. Well, are your teeth good now? Better?

Starting point is 01:18:38 You need more? A little bit. What? It's more for the gums. It's maintenance. You got gums? Periodontal. Stop. I'm like preventing. Hey, honey, it's mom.

Starting point is 01:18:49 Did you know if we switched to Verizon, we can get four phones for $0, plus four lines for $25 a line? Call me back. Me again. That's just $100 a month for four lines on unlimited welcome. Plus four phones, no trade in needed. Call me. It's mom.

Starting point is 01:19:04 America's Best Network, Verizon. That's the one we're talking about. I'll send you text. America's Best Network based on. Route metrics, best overall mobile network performance U.S. second half 2025. Four new lines and a limit and welcome and auto pay. See Verizon.com for details. I'm not doing that.

Starting point is 01:19:18 So by going back for more. That's your gums, dude. But I think that's the dental one. This is the one for just making sure that more things were consolidated properly. So the last one is the consolidation. Yeah. Hey, now we're on the dental. Yeah, that one's, I can't remember.

Starting point is 01:19:37 Which clearly your five consolidations have never. worked in the history of ever. But I don't know the principle on this. What's owed left on this? Because I have your minimum payment is $147.24. But what's the balance? Let me find out if it's not on there. Give me a second.

Starting point is 01:19:55 It must be substantial because a lot is going to interest. I need to know the interest rate too. This is crazy. One main. And that one weirds me out too. Okay. Outstanding. This is for the one that's $100.

Starting point is 01:20:10 47? Yeah, the minimum fee payment. So, outstanding principle, as of my most recent email, oh, okay, yesterday, was $4,283. And what's your interest rate? $4,000, well, I'm sorry, $4,283 and $14. Okay. This one doesn't say the interest, I'd have to log in a little bit. I can calculate it.

Starting point is 01:20:37 Okay. The math I wish I could do. Yeah, it's about 25%. So you're done to works 25%. That's insane. Then your consolidation was like 20%. Wild. Absolutely wild.

Starting point is 01:20:52 All while doing it at the same, the dental one, that one, at the same time of your 401K withdrawal with fees and taxes. Okay. We have a car. Super app. You're Les.

Starting point is 01:21:03 That explains the lack of makeup. Oh, hold on. No, I'm not lesbian. Oh, why are you insulted by that? You homophobic? No, I'm not homophobic. I'm just straight. So I just, I'm like, no.

Starting point is 01:21:17 I understand like that's a, that's a whole thing. Taking such insult. We love lesbians. We love the gays. I'm not. I'm not saying anything. We love the K-pop. We love the African Americans.

Starting point is 01:21:29 Some would just call them Americans, but. No, I just, I don't like being construed as something that I'm not. I am not a lesbian. I am very straight. It's very offensive about this lesbianism. I don't think I am. I'm just f***ed with you. I know.

Starting point is 01:21:48 But. Okay, you got a Subaru. Anyways. Into ways? I don't know. That's the thing I say. Anyways. You're making up our own language.

Starting point is 01:21:59 Sometimes. Sometimes it's fun. Is that a ginger thing or a lesbian thing? It is neither. 30,892. You're denying that you're ginger too? Now I can really take your word on everything. 30,892.

Starting point is 01:22:13 is owed on this Subaru Outback. Yes. Am I going to see a U-Haul purchase in your checking account? No. Mm-hmm. Definitely not in U-Haul. $769.79. Can we get Aaron in here real quick?

Starting point is 01:22:33 All right. Come on. Come on over here, Ms. Aaron. Right here. Okay. Just confirmation. A resident lesbian. Don't say anything.

Starting point is 01:22:42 I need a lesbian scores here to 10. 10, 0 being, uh, the greatest you've ever met, 10 being the gay you've ever met. Okay. Uh, just on appearance?

Starting point is 01:22:51 Oh, yes, just there. Uh, Super Alback as well. $30,000 hold on it. Yeah, well, that was the giveaway there. Because right now it's like looking more... K-pop? Um, big in the K-pop.

Starting point is 01:23:00 That's kind of gay. My girlfriend's really into K-pop. I'm gonna go with a... Seven. Out of 10. Well done. Actual zero, but okay. Yeah, she buys

Starting point is 01:23:12 Bibles like hobbies, so. That also kind of gay to me. Oh! All right. Thank you, Erin. Anyway. That's the lesbian assessment score. Yeah.

Starting point is 01:23:27 Okay. At Calebhammer.com. Forward slash les. You can take your score. Goodness gracious. Well, is it a 6% interest rate. It's not the worst. What do you think is it?

Starting point is 01:23:39 You're appreciating asset. What do you think this car's worth? It's probably worth. the last time I saw like 27, 25? Yeah, we're seeing about 28 private sale. Trading would probably be closer to about 25. So I know. But the $769 payments, what's insane.

Starting point is 01:23:55 $30,8902.0.75 owed on it. That's fucking crazy. And what's annoying to me is I had put $10,000 down on that one. Welcome to depreciating assets. I mean, I'm sorry. I mean, this car might be a little over where I'd want you for your, certainly way over where I want you for where you are with your debt, of course. Well, actually, with your income, I'd be okay, that 2530 range.

Starting point is 01:24:16 But you still, you owe your parents $5,000 for a previous car? So, well, okay, it was, and this is years ago, I had pulled my dad's truck into the driveway. And in doing so, I hit the mailbox and scraped up the entire side. This was at middle of the night. Scraped up the entire side. Keep hitting things, this person that is totally never in fault. Um, so basically I had been paying my dad for, um, the repairs to his truck. Um, but when I went into purchasing this car after, uh, my previous car went down, he said,

Starting point is 01:24:56 hey, if you buy this car that I know is better because your mom also has it, um, and they had done all the research on it back then. Yeah, back. Your mother's a husband. She's married to a man. Um, that doesn't mean anything. They, um, my dad said, I'll forgive you for this $5,000 you owe to me. if you get to this car

Starting point is 01:25:14 that I know would be better for you in your future. Okay. Well, student loans for what? Did you get a degree? Nope. I don't think so. Yeah, now with how much, because it's $8,678,0.332.

Starting point is 01:25:26 Medium in this country is closer to about $40,000, even for dropouts as well, including myself. $72.34 is your minimum monthly. Yeah, I got it on the, it's on the one that it will scale up later in my life. I don't really like that. I'd get on the traditional. well you can.

Starting point is 01:25:43 I used to be paying the traditional which was about 112 a month and then I redid it when I was trying to I don't know because that that scale up's

Starting point is 01:25:51 gonna fuck you probably but this gives you the opportunity now to pay down the debt before it that's true okay check in account

Starting point is 01:25:58 $108 so that's all your debt we got your debt we got my debt good you're selling out money selling out money selling out to who

Starting point is 01:26:08 if it's I don't know we black out names well oh yeah okay yeah There was one Zell that was... This savings account went down from $1,695 to $1,212.12. What's going on?

Starting point is 01:26:19 So that's where I always put the money that would go to my rent. My paycheck automatically puts into there so that I don't touch it until I try to pay the rent card. $827.12. Is that the Wells Fargo savings? Okay. Well, Wells Fargo checking. We're selling up money. Cinemark door dashing, door dashing, little Caesar.

Starting point is 01:26:42 Dash! What the fuck are we doing? And then cis savings, 415. I don't see the retirement word dick. So fuck me. Okay. That savings, yeah.

Starting point is 01:26:59 Again, that's where I end up putting money so that I can pay. I don't touch it so it can pay for my car. I put $390 each time and so there's a little bit staying over. What a joke. Oh, okay.

Starting point is 01:27:14 Like I said, I over. complicated it and I thought it would make my life simpler and it did not. All right. Minimmonty payments. Let's calculate this. Her venture card is $202. Apple card is $110. We are at $2,10.00. We are at $2,105.67. Disgusting. Mind your income, $4,300 net on a monthly basis. What is your rent? It averages $1360. Is that including utilities and everything? So includes everything except electrical and internet. What are those combined?

Starting point is 01:27:54 172. Okay. Phone bill. I don't exactly pay one right now. Huh? I'm still on my parents' line. Well, did you say that? Well, yeah.

Starting point is 01:28:06 Are you supposed to be paying them? I should be paying them. How much are you supposed to be paying them? About $100 a month. Car insurance. Car insurance, I usually do. I've only ever done. How much is your car insurance?

Starting point is 01:28:18 So it is, at least I'm about to have to pay it again. How much is it? 1,100. Okay, every six months. Jeez, dude. Okay, so we're talking $184. Gas, vroom, vroom, drive, drive, average month. I don't know my average.

Starting point is 01:28:37 Come on, what do you think? Um, I'm hoping it's about $60. Okay, we got about $200. Okay. That's what we saw last month. So I'm budgeting that in. Okay. Necessary food, $300.

Starting point is 01:28:50 That's all you fucking need. Use our budget-friendly cookbook meal, prep meal plan. Warm it up when you get home. T.P. Fun, anything else you need? $100 to survive. That is toilet paper. That are dildos.

Starting point is 01:29:01 It's whatever. Medical health care. Do you have co-pays? I said dildos instead of tampons. I meant tampons. I don't know why I said dildos. I wasn't even making a joke. I just said the wrong thing.

Starting point is 01:29:14 I think that's what you buy. Um, anyways, um, I do, are, my insurance is through my company. Um, I don't have a co-pay, or my deductible is like $4,000. Brough, do you spend anything on medical on a monthly basis? Not on a month. Oh, okay. Thank goodness. Yeah. Is there a gym? No. Okay. How much for pet food? Um, $50. Okay. Now what is this pet subscription thing that you do? So there's two. There's the actual insurance, which is, uh, I think about $50. Good.

Starting point is 01:29:46 And then the other one is $136, and that should go down to about 60 in November. We'll call it 60 then. Okay. Okay, I'll give you subscriptions about $50 as well. Anything else that needs to be in your budget that is not there? Not that I can think of right now. Let's see. I'm just going through because I got rid of Spotify.

Starting point is 01:30:10 The massage envy would probably reappear soon because it's on pause right now. That's $75. a month. Keep it on pause. Keep it on pause. You can only keep it on pause for like six months. Cancel it! I have like 30 credits. I don't give a... I would lose all the credits.

Starting point is 01:30:27 I don't give a... You're losing all your money. That's more important. Money's more important than credits. But 30 credits worth of massages that I haven't used yet. Well, here's the reality. You need $4,515

Starting point is 01:30:42 and $84 to survive. So I don't give a fuck about your credits. Because even though you make a fuck about your credits. strong income, you are actually underwater on a monthly basis by $215.84. Honestly, and I don't see you picking up another job because your hours are weird. Here's the reality.

Starting point is 01:31:00 Here's the reality, little lady. You have enough money to, you're going to sell your car. You're going to borrow the difference of about $2,000. You're going to get a $10,000 car on a $10,000 loan. That is going to immediately save you $20,000 in debt. Okay, about $18,000. That is step one. After you do that, if you are still probably, man, you're probably still not going to be making it,

Starting point is 01:31:21 as long as you have proven you have changed your behavior multiple times, where you're doing a big consolidation, after you change your behavior for three months, proven it with a budget, you will do a big consolidation or you're going to do bankruptcy. Really? Because you can't afford this. Yeah. It is simple as this. I mean, actually, okay, hold on.

Starting point is 01:31:41 Wait, pause. I remember from the beginning of the conversation you're moving back home. Yes. Are they going to require a rent? About $300. Okay, that's okay. You will have, I'm going to say about $800 left. I would still do the car thing.

Starting point is 01:31:53 I would still do the car thing. It's a temporary thing for a couple years. But with your $800, minus the student loans, minus the car, but we're adding $12 for a new car. So we're taking, okay, $67,05. $0.95, minus the $30,892. $0.76 car loan, but plus $12,000 for the new loan to borrow the difference, and a $10,000 a car that you get approved

Starting point is 01:32:16 by multiple mechanics before you purchase that is going to be safe and reliable for just a couple years to come. $8,678.678. 37 cents for the student loans

Starting point is 01:32:26 we're getting rid of that. That brings you down to bad debt of $39,483. And $82. Good. With the $800 left over, that's going to take 49 months that's a long time.

Starting point is 01:32:36 That's about four years. But you'll be able to scale that as well because I think you'll get pay increases, pick up as many. Are you hourly? No. Okay. Well, you'll get pay increases. If you can find ways to pick up extra jobs and just make this a grind time,

Starting point is 01:32:50 you can get it done in three years. But it's likely looking three to four years. And then, you know, which I know it's a little demoralizing. That's a long time. That's if you sell the car. Yes, if you don't sell the car, this is going to be like a five, six, seven year thing. I'd rather do bankruptcy and include the car in that. But, no, I mean, that's your option is you have to get rid of the car.

Starting point is 01:33:12 and you have to move into home and grind for three years and work an extra job as well. And then about another nine months to get a fully funded emergency fund and then you can move out so you'll be about 30, 31. Right?

Starting point is 01:33:26 How old are you 27? Yeah. Yeah, like 31. You'll be out living in an infant life but that's okay. There's no K-pop in there. There's no fun money. I mean, I'm sorry.

Starting point is 01:33:34 I'm sorry. BTS doesn't exist when you're already underwater by $200 a month. That sucks. That's true. So that's the plan. That is the plan. I don't see.

Starting point is 01:33:46 Other plan would be big consolidations, but only have to change your behavior, but that doesn't get you there. That gets you $200 a month extra maybe, which is not going to pay off that. And any substantial time frame or bankruptcy, but that's your credit. But closing all the cards would also mess with my credit.

Starting point is 01:34:03 Yeah, but not as bad. Because you'll only have access to predatory loans after bankruptcy. Or just really bad loans. So that's the plan. All right, we're going to do her Hammer Financial Score. Or remember to click that Join button and join Hammer Elite the best YouTube membership on YouTube. Join us for the post show.

Starting point is 01:34:21 Apparently something is going to happen, I guess. Her friend made her come on. Her friend is convinced that he can do a better job at me. So I'm going to call him, and I think we're probably going to get in an argument from the sound event. There's also lots of other things that did get brought up that we're going to talk about. So join Hammer Elite three premium shows posted every single day, Monday, Friday. Spending it in a budget score, zero out of 10. you ever spent. Debt, no collections, but this is horrendous for your income, one out of ten.

Starting point is 01:34:48 Our merchant seed fund was about a one out of ten retirement is not a zero out of ten real estate is zero out of ten. Yeah, it's about the point six five that we had. There it is, which is going to round up to win. Yeah, I mean, I'm giving up, I'm going to, I'm going to give you a point five out of ten. Join us. Hammer Elite! Click the join button. I'll see you guys in the post show. There's a lot more to talk about for an additional 20 minutes. See you there. Last time that big thing came up to save you money, you borrowed from your parents to get it. I was considering really trying to break this one up instead of paying it all up front. I did.

Starting point is 01:35:20 This call, this is milk, milk, milk, milk, milk. This call, you gave me, like, the least specific answers. It's like, where did this money go? And you're like, I don't know. That's all... That's insane. Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra

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Financial Audit - $67,000 Of K-Pop Debt | Financial Audit

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