Financial Audit - Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

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Starting point is 00:00:50 Of course, because I made contact. Who hit who first? Me. I come from the hudson. I can. You went back and attacked her. You were the attacker. You stabbing her in the neck. Don't touch me first.

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Starting point is 00:01:18 Hi, my name's Isabella. I'm 34 years old. I'm from Clearwater, Florida, and this is Financial Audit. Thanks for coming over to Austin. What do you do in Clearwater for a living? I am a medical assistant for internal medicine practice.

Starting point is 00:01:31 Very good. What are we making? $20 an hour. Okay. Clear water. Ain't cheap. So how you living? How are things doing $20 an hour?

Starting point is 00:01:40 Okay. For what I, you know, as a single person, it's tough, but, you know, I'm pulling by. I live in a studio apartment. Yeah. So, you know, so I live five minutes from work as well, so I don't have a big commute. So how are you struggling? Well, I'm struggling. You wouldn't be on the show if you weren't struggling.

Starting point is 00:01:58 So what is going on? I have impulsivity issues. I have a lot of fomo. I'm a raver. I like to go to a lot of festivals, shows. Is you aging out? I should be, but I think you just rave to the grave. I don't think there is an ending.

Starting point is 00:02:15 Purs, possibly, but like I'm the rave mom of the group, so I have to take care of everyone. Okay. I was just here last month for a festival. Oh, great. I didn't even know one was happening. Yeah, up in a far work. That shows our difference in life. Yes.

Starting point is 00:02:27 Okay, so every night got it No, none of that. No, no, no, no, no, no. That's bad for my mental health. I just like the music. I enjoy any kind of music. All music, it brings me joy and happiness. But FOMO, so every concert that pops up, you just can't turn away from? Most of them, no, because I have, like, a group of 20 people.

Starting point is 00:02:50 That's, like, my rave fam. And, you know, like, a whole bunch of them are going. It's like desperate peer pressure as well. Not even peer pressure. I'm usually the one like, hey, who wants to go to? this one. It's usually my idea. How often are we going? I go to probably three festivals a year,

Starting point is 00:03:03 but like show-wise, probably like once a month or so. Some shows are that. It couldn't be what's destroying you. The three a year, yeah, those are some big trips. Those would be hitting you here and there. Definitely like a, you know, a big hit every once in a while. But shouldn't

Starting point is 00:03:19 be make a break your life. When you're making $20 an hour. How many hours a week are you working? 40. So what's your account? on a monthly basis? It's 1364 every two weeks. So I would say about 2,700. Yeah, 27, 28.

Starting point is 00:03:40 Yeah. For Clearwater, again, that is. And I live alone. Yeah, but in a studio and close to work. So there's different things that are keeping your relative cost of living low and a high cost of living area. What's your rent? It is $1,100, but then I have to pay the internet water, trash, all that.

Starting point is 00:03:58 So it's 12.30. Okay. So just the roof over your head, I mean, we're talking, yes, it's high, but it's 45%. 45% of your income. Like, at that point, are you able to go and do the things you absolutely want to do in order to just take care of yourself in life if just the roof over your head itself is, you know, 45% of our income? Now, don't get me wrong. I want you to go have fun.

Starting point is 00:04:23 Don't get me wrong. You're actually in a pretty reasonably priced, you know, living. situation. That being said, with your income, you have to then make choices. Sorry, my throat thoughts are hurting. It's okay. I also just recently started door dashing about four weeks ago as well. So what's that bringing in then? I just made about $400 in the last month. I just started. Yeah, before taxes, but also before gas, any kind of future maintenance, which is going to be arriving quicker. Yep. Even just things like tire rotations. Yes. Yes. Okay. So 400 turned into 300, let's call it, maybe 250.

Starting point is 00:05:01 Yeah. Okay, so that's certainly not. I mean, anything helps in your situation, honestly, to boost us, let's call it a total of $3,000 on a monthly basis. What's your rent? It was like 14, well, rent and utilities together? It was like 1230. Okay, so 1230.

Starting point is 00:05:16 I mean, we're still talking 41%, so we didn't move the needle too much, but I'll boost you up to $3,000, sure. And then I was trying to, like, do Uber and like things like that, but my driving record but wasn't the best so they wouldn't allow me. DoorDash was the only one to accept me. Well, then maybe you shouldn't be allowed at DoorDash, which is driving records.

Starting point is 00:05:35 It was four, almost five years ago. Yeah, driving after raves after you've taken something a little special to feel the music a bit more. Why are you taking anything? Because you're going, if you're a raver, come on. You can love the music and enjoy it. You absolutely can, but we have a, we have ravers that work here. They're in the culture that I can, it's incredibly common.

Starting point is 00:05:55 You're right. granny level raving, but even still, I'm saying that as someone, you know, only four years younger. I can't even drink two beers without getting hanged hungover. So I'm not the one. What's your driving record? Okay. So a couple years ago, I got into three accidents within three years and they have a three and three year rule in Florida. If you get in three years, they will revoke your license. No matter the kind of accident. If you get hit. Uh, yeah. Yeah. So if you are parked at a stop, both. If you're parked at a stoplight and you are slammed into three times in three years. Florida is a no fault state.

Starting point is 00:06:29 So, regarding that, I had my license to revoke, but I had to go through all of the steps to get it back. And that was a nightmare that cost a lot of money. I didn't realize there was a rule like that. Well, did it cost? It cost. They didn't go through that in Driver's Ed?

Starting point is 00:06:43 I had to take a four-hour online course, then a 12-hour online course. I had to have somebody sit in the car with me for four hours. That was about $500, so they could drive around with me to show, and I could drive. And then I had to take my driving test twice at the DMV. and get my picture retaken.

Starting point is 00:06:57 Well, these all seem pretty basic. There you go. It was a process. I thought three, yeah, but this seems pretty fair. Plus the tickets. If you get your license revoked, I mean, again, I think I don't know the law, and I honestly don't truly believe that if you get slammed into three times, doing basic things with proof from either street cameras or dash cam that that would,

Starting point is 00:07:18 yeah, you were at fault? Yeah, yeah. For some. Again, context. But I truly don't believe. just someone sitting at a stoplight who would have to go through all this. But maybe, maybe that's the case. Maybe that's just not the best thought out law.

Starting point is 00:07:33 But, yeah. Yeah, three and three years in a row. Yeah, get your license revoked. You're a danger on the street. I've gotten better. It was due to a medication that I was taking from a doctor. Then you shouldn't drive. I don't take it anymore.

Starting point is 00:07:46 What was it? It was for my mental health. It wasn't. Sure. It was a downer? No, no, no, no. It was a mood stabilizer. Okay.

Starting point is 00:07:57 So it made you like dizzy? Not even really. Just kind of maybe like zone out. Okay. Then you shouldn't be a lot of drive. Absolutely. And you shouldn't be allowed to drive. Absolutely.

Starting point is 00:08:08 If you have to take it, good. Take it. I support it. But don't drive it. I didn't need it. I didn't need it. They just misdiagnosed me. Okay.

Starting point is 00:08:16 So yeah. So that's why I stop taking that. Yeah, you should have your driver's license taken away. You deserve to go through all those things. And you deserve to not be a lot on those platforms that require you literally. just driving forever. So yeah, you know what? So far, supporting of the state versus the human on this one.

Starting point is 00:08:33 Those are almost off my full record, though. It's been almost five years. It's been, so at the end of this year, all those three will fall off. And then you're going to pick up all these extra things instead of looking for different career opportunities. Why don't you go beyond the medical assistant look at maybe becoming a nurse? Maybe we're all of a sudden, like, I mean, you're working on the low income scale in the medical field.

Starting point is 00:08:50 What are we trying to do? I already owe 50K. I already have one degree. What's your degree? I have an associate's science in crime scene technology. When did you get it? 2012. Good. Take the credit hours. Go complete a four year.

Starting point is 00:09:04 So since I got an associate's of science, I had to do, I have to go for an AA because the schools won't accept an AS. They need AA. I need an arts degree for some reason, for some science degree. Yeah, but I'm sure you'll have a lot of transfer credits. Yeah, yeah. So I am about four classes away from getting a generalized A, because I can't just move into a... Can you do it? I did. I signed up for classes last Monday. I dropped them on Monday.

Starting point is 00:09:27 You dropped out on Monday? Yeah. They started Monday. I dropped them. I got really too anxious. Okay. So you know. I try to restart going back to school a few times and I just.

Starting point is 00:09:37 What, what scares you? I don't have somebody to mirror or body double. What? What are you talking about? I have issues, paying attention and focusing and things of that nature. Yeah. Welcome to America. So since I don't have somebody sitting next to me like studying and things,

Starting point is 00:09:55 It's hard for me to just stay on topic. Yeah, but most schools have like programs that you can enter. Yeah, I have ADA accommodations. There we go. So what the fuck is the issue? Me. Yes. I'm the problem.

Starting point is 00:10:07 Yeah. Yeah. I just got a lot of anxiety and then I'm like maybe I'll fail, you know, and all the thoughts process. And then so I just dropped them. And then I have time. I'm not in a rush, but I would like to get it done. And I just don't have somebody else.

Starting point is 00:10:21 Like when I was going to school, I was dating somebody in school. So when he was studying, I was studying, It really was very helpful. I'd go date someone. No. Gism D. I don't know. No, thanks.

Starting point is 00:10:30 Gizum V. I don't know. Thanks. Okay. Oh, no. Gis and they them. Ugh. No, I don't want anything.

Starting point is 00:10:37 Nobody. Okay. Well, that was more a joke, but like. No, I'm just saying I just don't want nobody. Oh, okay. Live your life, I guess. Being alone is where it's at. I'm a cat.

Starting point is 00:10:47 It's great. She's not texting me like where you at. I see where this is going. Crazy cat lady? That's me. I only have one, though I'm allergic. Okay, and you're literally incapable of going to online school? Yeah, it was two eight-week express classes,

Starting point is 00:11:11 but the discipline that I have sitting at home doing it. Do non-express classes. I like them better because I can't procrastinate longer. Well, I finished my degree with the eight-week classes, but like because like the condensed 16 weeks. But the thing is the, I can't procrastinate when I'm in eight-week classes. So, you know. I mean, you still.

Starting point is 00:11:31 can and then fail. Yeah, and that's happened to me last, that happened to me last semester. So, fuck you then with what you just said. That was bullshit. Obviously, the eight-week thing is not working then. Yeah, yeah. So do the normal!

Starting point is 00:11:45 What the fuck are we talking about? It's hard. It's harder said than none for me as an individual. Yes, I get it. But guess what? You're not the only person in the world that deals with ADHD, other people successfully complete life. Absolutely.

Starting point is 00:11:58 They get medicated, they get help. I graduated already. Yes, with an associate's and you're making $20 an hour. You need to make more if you want to stay in clear water for us. So I don't give a fuck about what we've accomplished if we are obviously not surviving when rent after picking up additional side hustles beyond our 40 hours a week is still 41% of our income. So listen, I don't care. Congratulations, you got a piece of paper. That means nothing to me in this world.

Starting point is 00:12:20 I care about what you actually accomplished after college. And right now you can't survive in your area. And that is what matters. And you accumulate $50,000 to loan in order to do this. Yeah. So we obviously, if you want to work in the medical. field you were making the bottom of the tiers of medical. Because I don't have a degree in medical assistant.

Starting point is 00:12:35 Exactly. So I'm saying let's go back. What do you want to do in medical if you're able to actually not drop out on the first day? What I'm doing now is exactly what I want to be doing in medical. If I want to stay in medical. But after graduating, I realized maybe crime scene tech is maybe not great for my psyche because the things that you have to deal with. Okay. Yeah. Yes, you're broken on everything. And what will work? Like, because this is how this conversation goes, right? Here's the thing. you've been diagnosed, you know, and there are things wrong with you.

Starting point is 00:13:05 And that is okay. There are things wrong with me. I have a panic disorder. This does not disqualify you from having a financial conversation or being an adult, okay? It's different than like a severe, you know, suicidal thing or something like that or just being unable to get up in the day. Okay. So you have this. But what you've done is you're very clearly down the pipeline of like, oh, all I do is think about my mental health and what I can't do.

Starting point is 00:13:26 It's like, okay, if that's the conversation, then congratulations. You're never going to do anything ever. or are you going to be like others in your space that have tried to overcome and actually push themselves? Or are we just going to be the, oh, no, my mental health for the rest of my life and never do anything ever? Oh, no, I don't think it's, oh, well, was me.

Starting point is 00:13:44 Okay, but come on, that's what it's what? We want to do this? Oh, we can't do it. We want to do this? Oh, we can't do it. We're going to stop on the first day. So what degree do you want to do? What works?

Starting point is 00:13:52 I'm just unsure. That's why. Because I was getting my degree, this is where the debt came in with the 50 grand for getting just a A.S. You graduated in 2021 and you're 34, so I'm sure you were bouncing around in the classroom. Well, that was the thing. I was going for chemistry to get into forensic science and an associate of arts.

Starting point is 00:14:09 And like almost when I was finished, I was one semester over. I switched courses and got into the crime scene technology program and added an extra like year and a half to my studies. And I was taking. That's not that bad. Yeah, but I took out more student loans than I should have. I didn't lower the amount. Sure, but you graduated at 30. When did you go to school?

Starting point is 00:14:28 2017. So it took me about three years or so. And I wasn't full-time either because I was working full-time at a job that paid me $14 an hour. It's not the worst. I don't know. But then again, I'm so confused. And then I have a lot of health issues. I think we picked that up.

Starting point is 00:14:44 Well, I mean physical health. So I was out of work for like three works. By your existence on how you're operating and the language you use. I should live in a bubble. But honestly, maybe not though. The thing is, again, this is what a lot of people are going down. are so many things that are real and you go through real things. But a lot of people get TikTok brain when they go down the rabbit hole and then they're like,

Starting point is 00:15:04 I can't do this, I can't do this, I can do this. You lock yourself in these holes of all these like, like you have real diagnoses and then you probably have lots of self-diagnoses. And then you also really just rattle around forever on the real diagnoses and you limit yourself beyond your doorstep. And I also took out more student loans than I should have when I did my classes. Like instead of lowering the student amount to where. it should have been, I may have taken out more of the loan than I should have.

Starting point is 00:15:32 Listen, it's okay. Like I said, but when you lock yourself in all these different bubbles and you don't lot of stuff, this is what is immediately annoying me, because if that was your life, then that's your life. But there's the additional layer. You said this place was steps from the water. We just haven't found the steps yet. How much did we save?

Starting point is 00:15:52 Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected.

Starting point is 00:16:09 When you want savings, not surprises. It matters where you stay. Hilton, for the stay. On top of it, where because you're locking yourself in the bubble and not willing to improve your life, you're stuck at $20 an hour, okay, that's fine. But then you have to make your life choices

Starting point is 00:16:27 around that based on the decisions you are making and not allowing yourself to do. Right. And then what you do is you just fuck around and endlessly rave and spend all your money and blow everything. And then all of a sudden, sympathy is gone because that is the choice you are making based on your situation. Your situation, if you're going to lock yourself inside, okay, lock yourself inside, go on TikTok and feel like you can never do anything, even though many people like you have overcome many obstacles and live very successful life. Great. But let's, come on, we know the world that we're talking about here.

Starting point is 00:16:56 We know the people that we're talking about here. Many people overcome a lot of things. They push themselves. We all do in many instances. We seek medication, we seek therapy, okay? Yeah. Kind of. Kind of?

Starting point is 00:17:12 Yeah, going to raves is my therapy. Exactly. But then you lock yourself in your house and don't allow yourself to progress anything professional, but then you just go and fuck around in every other situation, and then boom, there goes to sympathy. Listen, the fact is, If you're truly incapable of existence in which you're not,

Starting point is 00:17:29 then, okay, don't go out and fucking blow all your limited money you have. But then you do. Which is a horrible, choice, horrible behavior. Why? Because the music is so great. It's so hard when there's laser beams. Not all of it. There's different genres.

Starting point is 00:17:48 And it's a good time, especially all the vibes and the vibrations and it's just a whole sensory. You're sure you're not doing so fucking next? I am positive. I am positive. What your test results would say, yes. Okay. I love to be in a cup for you. You would be surprised.

Starting point is 00:18:12 You're like, wow, this is naturally her. Uh-huh. Yeah. So you use the excuse of FOMO. Oh, so much. I get a lot of FOMO. I'm like the FOMO Queen. It's bad.

Starting point is 00:18:31 It's just like, I'm like, no, I'm not going to do it. I'll convince myself not to do it. Then last minute, I'll get the ticket and just kind of show up. So why are you able to convince yourself to go to all these fun things, everything that you enjoy? But when something slightly inconvenient, like, oh, oh, got a study for a test, we're like, oh, can't do it, lock herself out. Oh, never can do it in my life. It doesn't can't. Oh, we're broken.

Starting point is 00:18:49 We can't do anything ever. Exactly. I don't have enough dopamine drive. Exactly. There it is. You're honestly choosing to push yourself for the things that you enjoy and then you refuse to for the things that bring you any struggle. If we're being honest, come on.

Starting point is 00:19:03 That's what this is dialing down to. We know. Okay. I need you. I want you to answer some questions. Okay. I have some questions and I need you to decide, are you choosing FOMO or are you choosing F-K-No? Okay.

Starting point is 00:19:17 And you hold up which one you prefer. Okay. FOMO or F-K-No. First question. Opening a new credit card to go to a new festival with a killer lineup. Okay. But do you use a new? See, explain.

Starting point is 00:19:36 I get too much foam off. I don't have enough money. I know I could put it on credit and pay it off later eventually. Do you? Eventually, sometimes. $75,8503 a debt, and we know $50,000 of it is student loans. F*** you. You're not paying off debt.

Starting point is 00:19:54 What are you talking about? Why possibly is a concert more important than your future? More important than existing? Opening a new line in order to go, fuck around. is more important than you having any kind of debt. What's your retirement at? Zero. Yeah, exactly.

Starting point is 00:20:11 So what the fuck is wrong with you? Come on. I have a list, but I think it's because I know I could die any day and I decide. I want to live my... I want to celebrate. But you won't know you had a good time if you're dead because you're dead. So it doesn't matter. But while I'm...

Starting point is 00:20:27 So let's go off the statistical likelihood that you're going to be around for quite a few decades left. Huh? Yeah, maybe that. At least 40 years. Maybe. Maybe not. But, you know, festival life's where it's at.

Starting point is 00:20:43 I've been doing it for like 20 years almost. Yeah, but let's bet on the next 40. And listen, if you're out of credit card debt, and we actually just did a little bit of investment, two years of our time, of a little bit of struggle to pay off debt in other two years maybe to get through a degree and double our income,

Starting point is 00:21:03 Boom. Your life is changed. You can go to every festival without destroying your life while also having retirement. So when you're retired, you're not working. You can even go to more festivals. But I said you're only choosing the lessest fuck around right now because we might be dead tomorrow. You won't know that you missed a festival because you're dead. You won't know that you missed a rave because you're dead. You won't know that you sacrifice for the future because you're dead.

Starting point is 00:21:22 So bet on the statistical likelihood that you will be here. Yeah, but at least I know that I have went. No, you won't. You're dead. But in that moment I would know. But then as I'm dead. Are you stupid? No, you're dead. There's pictures and videos of evidence.

Starting point is 00:21:35 But you'll be dead. You won't be seeing the pictures. What the fuck are you talking about? Given most absolute lives in every popular religion, you really don't remember most things on earth. I would hope not. So it doesn't matter. To you. It matters to me, though. No, it doesn't because you won't know.

Starting point is 00:21:52 Nothing can matter that you don't know. No, it doesn't matter. You won't know. It might matter to friends and family around you. Yeah. But that's not the excuse you use. That's me giving you that excuse. That's true.

Starting point is 00:22:04 But like I said, there's photo evidence. But all my friends have them. So they can keep me in their memory of being that raised mom. Yeah, but that's not the excuse that you used. I had to give that to you. Yours is bullshit. You're just like, I might not be here tomorrow. Yeah, but in the statistical likelihood is that you will be, okay?

Starting point is 00:22:19 Yes, yes, that's true. So sacrifice. For fuck sake, this is basic. It's too hard. This is too hard? There we go. And that's her worldview is everything is too hard. And listen, if that is your worldview, you will never

Starting point is 00:22:32 get anywhere. This conversation is pointless. Your life is borderline pointless because you're not going to be willing to do anything that is a slightly inconvenient because you've babied yourself and you used whatever mental things you have as an excuse. ADHD as an excuse. Anxiety as an excuse. And I've used my panic disorder as an excuse, sure, but it hasn't held back my entire life, maybe 5%. Okay. You're holding back 90% of your life. It's ridiculous. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y-Refi is here to help. Unlike traditional lenders, Y-ReFi is focusing on your desire and ability to repay, not just your credit score.

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Starting point is 00:23:58 that's yrefi.com slash hammer or call triple eight yrefi dash 78 that is triple eight y refi dash 78 and see how they can help you move forward with confidence second question booking a flight on a credit card without checking your bank account in the first place okay thank a little bit of reason maybe yeah overdraft fees uh but it's on a credit card you wouldn't oh well then yeah then they're probably maxed out so i can't so that's why we're opening you a credit card in the previous question. Yeah, yeah. So the maxed out so I can't. So, no.

Starting point is 00:24:33 Are you sure you're not with someone else by your choice? No. Yeah, I'm not sure either. What other questions you got? Putting lunch or dinner on a credit card. Lunch that you might, lunch and dinner that you might be missing out with your friends. Foma, why? Because I don't want to miss out with time with my friends and going out to eat to dinner,

Starting point is 00:25:01 especially on like birthdays and special occasions. That's super important. That's different though. Those are very limited. This is not a weekly basis thing. And I bet you're fucking around endlessly. Yeah, you're fucking around endless. Yeah, I don't normally make my lunch.

Starting point is 00:25:15 I have 30 minute lunch break, so I usually go and get like Wendy's. It doesn't make sense. If you have a 30 minute lunch break, you don't make your lunch regardless during that 30 minutes. Yeah. It's pre-made. What the fuck you're talking about? The 30-minute lunch doesn't do. Why don't pre-make lunch for lunch?

Starting point is 00:25:30 Yeah, but the 30 minute lunch break has nothing to do with that. Well, that's why I usually get fast food because it's not and then I eat it. What the fuck are you talking about? Whatever length of your lunch break has nothing to do whether or not you prepped food beforehand. Yeah, the prepping is the issue. I don't prep food beforehand. Yeah, so it is not the lunch break being 30 minutes. In fact, you'd have more time to eat if you weren't going and getting fast food.

Starting point is 00:25:55 No, I normally go home and like hang out with my cat and eat my fast food. What life are we trying to live here? My best life? Yes, but what do you think your best life is? Because you seem recluse. You seem stepped away from the world because you're refusing to push any boundaries of your own. And no, I don't respect those boundaries.

Starting point is 00:26:21 Not every boundaries are meant to be respected. Listen, that's not how it works. If you put up a dumb-ass boundary, fuck it. That's dumb. I'm so sick of that bullshit on TikTok. It's hard for the boundaries. Boundaries are a hard one for me. I know, but you're putting up bad boundaries.

Starting point is 00:26:42 Just because the boundary exists doesn't mean it is justified. It could be justified. No, you're limiting yourself dramatically in life. I'm autistic as well. Yeah. And I've never been diagnosed, but my lawyer tells me I'm the most autistic motherfuckers has ever met. So I, it's, listen, you have everything and I'm sure you think about it endlessly.

Starting point is 00:27:05 And you, yeah, you do. Come on, the language you're using, you are just like every single person that's been diagnosed with something. So you think about it endlessly and then you limit yourself and you tell yourself you can't do something. But guess what? Congratulations, when there is something you want to do somehow you find the way to do it. So fuck off. I have done it. I have graduated once.

Starting point is 00:27:20 I know I could do it again. It's just the anxiety aspect. It definitely messed me up because. And that is hard. Yeah. But if it is hard going into a semester, do intensive therapy while you're starting a semester. semester. Find a coping mechanism.

Starting point is 00:27:34 Don't just go. Raves are my coping mechanism. But that is not working because you can't afford to live in here in 75,000 hours of dead. This is dumb. Yeah. You're willing to put dinner and lunch on a credit card just to have the experience. Because we want to be dead tomorrow. This is dumb.

Starting point is 00:27:49 What is there? Again, like I haven't many times in the conversation, I can launch onto something that I'm like, let's do this so we can do this. I don't have a this for you because you're content. living in a studio. I would like to move. I'd like to move from the studio. Two? To maybe like a one bedroom or like.

Starting point is 00:28:09 What ambitions do you have other than just getting an extra room? Because I have nothing to latch onto to try to make you change your behavior and push your limits. That's the big thing because you put up artificial boundaries that honestly are bad. Yeah. My workplace is just really great and they help me with my accommodations and whatnot. So that's why I have stayed there. Yeah. Because I'm not certified in.

Starting point is 00:28:31 that degree. But I just kind of got grandfathered in. Will they pay for you to complete your degree? No. It's a very small office, but we see 6,000 patients.

Starting point is 00:28:40 Like we have 6,000 patients, but it's a small office with a few employees. But we don't have retirement. We don't have insurance through them. We have nothing through them. So it's just. No.

Starting point is 00:28:50 But it's advantage. Not that I'm aware of that least. It's advantageous to them for tax purposes. Okay. It doesn't make sense. It doesn't make sense. Right. But if they're seeing 60, whatever.

Starting point is 00:28:59 It doesn't make sense. We have a small. Whatever. Yeah. That doesn't make sense. Also, I just also don't believe you, to be completely honest. But either way, you could be maxing out a Roth IRA. I really would love to do that.

Starting point is 00:29:12 Yeah, but instead you choose festivals because we're choosing the things that we want to do that are slightly difficult over the things that are that we don't want to do that are slightly difficult. Yeah. Come on. I would like to change my ways. I just need better tools. My mom tried to do like Dave Ramsey CDs on me and that just did not help me at all with his teaching. Well, sure. If you're stuck in the 80s, I guess.

Starting point is 00:29:31 90s, CDs. Yeah, yeah. So I tried that method that didn't help. And so I'm just trying to really try to... Well, what did not work there for you? My... Because this thing is pretty damn simple. I don't agree with, you know, some of the debts,

Starting point is 00:29:45 the surge of emergency funds too low, but what did not work for you? I think just how he words things. I just didn't think his life didn't... Like his examples and whatnot just didn't align how my thought process works either. so I try to understand. And I try to implement it, though. You're able to fucking comprehend. But I just at the same time, I just didn't really grasp his concepts.

Starting point is 00:30:09 I understand that. But it's the most basic. I mean, I'm sorry, I'm not trying to be offensive, but it's literally like the bottom tier basic. Like he even talks like it's the most bottom level basic. He's like, I was in like $5,000, $100,000 of debt. And now I have zero. And I'm like, well, that's great for you, Dave.

Starting point is 00:30:25 But I'm different. What? Yeah, I know. It was just an example. What the fuck I'm talking about? He got himself in a bunch of debt, and that's why he's, like, telling people, like, how to get out of it, how he got out of it. It doesn't matter how he got into debt, though. But the follow.

Starting point is 00:30:41 How he got out is different than how other people could get out. There's other ways that work for other people. There are other ways, but that doesn't mean that the snowball method doesn't work, though. That's so confusing. I'm so, I just, I'm not getting your logic yet. It didn't help me. But why? Because the example you used is, like, really dumb.

Starting point is 00:30:57 Honestly, if I'm being honest, because he had really. poorly leveraged real estate, quick note debt, all of a sudden you can't pay off a credit card? I'm confused. Like, his debt payoff method isn't about the kind of debt he was in. Yeah. I think, well, he was just trying to teach people to get out of debt because that's how he got out of his own debt.

Starting point is 00:31:17 But all of those different methods. No, he went through bankruptcy. He teaches people, you're not having me f***ing slobber on Dave's right now. But this is ridiculous. Yeah. So my mom had me listen to some of the CDs. I didn't.

Starting point is 00:31:29 It's basic. It's pay. Just the smallest debt to the largest doubt. How does because he went through bankruptcy negate your ability to understand that? That is the most basic. I didn't know he went through bankruptcy. That's my fault. I'm just so confused.

Starting point is 00:31:41 I listen to his CDs, but I didn't listen to all of them. It's seven steps, right? Yeah. It was like, I don't remember. It was on like CD ROMs and she had me to show. Yeah, yeah, really hung up on the CD part of this.

Starting point is 00:31:55 You could have gone to YouTube. You could have gone to YouTube. Is he on YouTube? Everyone's on YouTube. Oh, well, I wasn't aware. I thought he was... Good fucking morning America is on YouTube. I don't know.

Starting point is 00:32:08 Oh, I'm not sure. But I, you know... Do you exist on this planet? Okay. I try. Could be an alien. It would make sense. You have any other questions?

Starting point is 00:32:23 No, I'm just... I'm a little confused. If you weren't able to go through his most basic thing, which, again, I don't agree with everything. I'm not trying to... Yeah. ...look good right now. But it's like...

Starting point is 00:32:30 Like what you're saying is like honestly quite stupid. Yeah, I think you kind of just hit on a point. You don't agree with everything. He said, and it was the same for me as well. The philosophy of payoffs, smallest to largest is good. Yeah. And I have got in my... For people that can't stick to the behavior like you, honestly, is the best for you.

Starting point is 00:32:51 So what you're saying is extra stupid because that is probably what works best for you. Is the snowball method? Yes. Because no way you'd be able to do the avalanche method, you've been able to do the avalanche method. probably can't focus on something for more than a half a second. So, yes, you need the snowball method to get progress quick. Yeah. To see the results and get your dopamine unlocked immediately.

Starting point is 00:33:10 Yeah. So what are you talking about? That's why I kind of tried to try to. David Ramsey did not fail you. You just couldn't put a CD in the player. Yeah, he was, and it's very boring to listen to as well. No. With that him talking.

Starting point is 00:33:23 He said boring old dude. Exactly. Why do you think our show's bigger than his? And that's why I'm here on your show because of that reason. I feel... But just, again, the only reason I'm pushing back on this is because no matter what I give you, if you couldn't make it through the most simple thing, how the fuck can we get you there?

Starting point is 00:33:42 Because I tend to give people more options, whether it be avalanche, snowball, maybe putting in some bullshit, going to get a different job. I allow bankruptcy. I allow consolidations. It's all based on the person's situation. But if you couldn't make it through the most literal basic thing, that probably actually does work best with your brain, which is snowball, then good fucking luck to me.

Starting point is 00:34:03 Like, what the fuck? And your logic made no sense because he had real estate debt. You couldn't follow paying off the smallest of the largest debt. It just doesn't make sense. He was in a different financial situation is what I meant. Like his financial situation was different. This doesn't matter though. His teaching is fucking, why are you making me gurgle this thing?

Starting point is 00:34:22 Dude, I'm. No, that's why I'm here to learn from you. Because I feel like I think you're the best for this. All right, listen, today's last day. We've put together a lot of educational tools and a lot of educational resources that I wish I had when I was growing up and I could have saved myself a lot of money and made a lot of money. We've brought in experts, we've created the best education that I can even think of on this entire platform. Our refund rate is literally 75% below the average refund rate for the industry,

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Starting point is 00:35:11 Let's find out. That's why you said you have different options. First question, putting moving expenses on a credit card. Why? It depends on the moving situation. If it's like a something serious, absolutely. If it's like a serious, like a roommate situation. You know, like I had to do that recently last year.

Starting point is 00:35:33 Well, let's hear what you consider. serious. Because if someone's in a domestic abuse situation, yeah, put the fuck on a credit card. Yeah, like just like toxic. See, that's different. That is very different. A toxic situation to you who, again, you aren't able to do something slightly inconvenient, but you're able to go do everything you want that requires work.

Starting point is 00:35:50 So, yeah, what was toxic to you? So the relationship I had with a girl. Because I feel like your level of toxicity is like, no. The girl that I live with me and her were just very vastly different with our lives and our lifestyles. she just wanted silence and I like music and whatnot. And so I always try to keep the piece, but I felt like I lived in a hurt, like I was in a shell. It was stupid.

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Starting point is 00:36:39 on your side? Save up to 40% your first year at lifelock.com slash Spotify. Terms apply. No, lady. Also, I can listen to music. Oh, what the fuck? World am I living in right now?

Starting point is 00:36:52 There's more to it. Someone nuke Clearwater. I wish. I wish. No, so it got worse and worse than then it kind of had a blowout moment after like four years of living together.

Starting point is 00:37:03 because. Yeah. Congratulations. You had an argument. I've had arguments with roommates too. And guess what? One of them is still my best friend

Starting point is 00:37:08 and I hired to be my number two here. It might have been more physical. So I had to get out of that situation. Hold on. You have to get out of it if it's like an endless thing. If you guys blew up and you guys put yourself to that limit, that is a different story. You're humans.

Starting point is 00:37:23 Humans sometimes get pushed to that limit. And it fucking sucks. And I'm not saying it. But if you win at her, she went at you. That is not a great situation. that doesn't mean it is a reoccurring thing that is like a fucking it sounds like you guys push yourself to the limits you're a fucking adults. If fucking listen, if everyone quit their jobs when they got on a spat, every dude that worked on the line just 50 years ago,

Starting point is 00:37:47 none of them would be working there. Okay? Yeah. Because everyone gets pushed to the limit at some point. We live very cushy lives now. So it's like, yeah, something like that is very dramatic. And I get it. But it's not like you walked in and she was fucking beating you every day.

Starting point is 00:38:01 Was it? No. You guys just pushed yourself to the limits and you backed off and you guys should have kept yourself for spices. And then we have more adult conversations. That doesn't mean it's a credit card situation. I wish. She was just like our walls were touching with the bedrooms. We had a separate forehand.

Starting point is 00:38:15 Not like you living with someone is not an emergency. Yeah. It was just a toxic situation with her. Again, your level of toxic is, boop. You are pretending like it is something more dramatic than it is. I'm not saying you shouldn't move. Yeah. I'm saying you're making it sound like it was a domestic abuse situation.

Starting point is 00:38:32 and it's that level of critical move. No, it wasn't. You were two people that live together. You push each other's button so much that you got physical and she got physical, right? Yeah. Exactly. So no, fuck off.

Starting point is 00:38:43 So why would you want to live in that situation? I'm not saying you would. But it is not equal to a situation where the building is going to collapse. You are bringing. This is the nuance level that the internet has completely lost. Everything is immediate code red. Boom, boom, boom.

Starting point is 00:39:00 The world's going crazy. someone you know fucking I don't know Lindsay says like fucking the word or something and people act like she just went on a mass genocide like there's no nuance on the internet anymore

Starting point is 00:39:13 like everything immediately goes to level 10 everything's an emergency that's not an emergency did you move out the next day no it was about a month later there we go so you were able to survive for a month I had to find a place and had it ready and everything yeah but you were able to survive a month

Starting point is 00:39:29 without all of a sudden you stabbing her in the neck. I was scared that that was going to happen to me. No, you weren't, though. But you probably were because, again, you push everything to level 10. Yeah, because it was. If I talked to her right now,

Starting point is 00:39:41 what would she say? That we were both crazy. Yes. But she was the... And I've had crazy moments with people. We all have. I'm not trying to say you shouldn't live there. You should have gotten a new place, yes.

Starting point is 00:39:54 But that is not a nuclear level emergency. I felt like it would have escalated to a point. Maybe. Maybe. I'm just pushing back only because I just know where our culture is right now and how people get there and how you have defined every conversation so far of like going to school. We can't do even though it's slightly inconvenient, but we're not willing to face that slightly inconvenience with a slight inconvenience of traveling and having to budget for a concert all the way out in Austin from Florida. You're able to do. So it's obviously the choices. You use it as a way to get yourself your own apartment. I mean, I think I'm reading the situation correctly. I'm going to get a little pushback, and that's okay, because some people have had different experiences. That's fine. We can agree to disagree.

Starting point is 00:40:40 But just based on the conversation I had with you, like, I don't want to lock you in a box, but I know how your worldview works if we're being completely honest. Could you explain that to me? I just did for like 10 minutes. Okay, sum it up a little shorter. Anything that is slightly inconvenient to you is a no-go, but if something is inconvenient that you want to do is a total go,

Starting point is 00:41:03 you limit yourself in this world in every instance whatsoever, and you blame your mental health for it, and you sit there and you think about your mental health forever, and you let it define your entire life, and you fall down these rabbit holes, and guess what? Every little thing that is slightly bad in this world, and don't get me wrong, having a physical altercation is bad, but everything you do, it immediately goes to level 10,

Starting point is 00:41:22 boom, it is the worst thing. We must figure out something crazy. We must go to the most insane levels necessary. our life in order to get out of that because everything is a level 10 bad. We're going to a class on Monday. I'm anxious level 10 bad. Everything gets there. And people in that worldview never get anywhere.

Starting point is 00:41:42 They live a very unhealthy life. They have no nuance. It's not good. Yeah. So I went back to school last semester and I failed two of the three classes and then I had to get. But I bet you still went to raves. I did. I bet you still went to raves.

Starting point is 00:41:57 I did. Yeah. So no sympathy. Yeah. Because the online thing doesn't help me out a lot. I bet it doesn't. I'm better in person too. Since I know that,

Starting point is 00:42:06 I do it like an adult. Yeah. If you're able to go to raves and travel everywhere and fuck around endlessly, then you can go to a classroom. You already have ADA accommodations. Okay? Yeah.

Starting point is 00:42:21 Okay. You have... I had a file of heels. We've put things in measure for you. Take advantage of them. Yeah. I tried. So I requested the accommodations, and then I was able to get them, so I was able to pass one of the classes in line. The other two, I failed. That was the second time I took those.

Starting point is 00:42:40 Don't go into a class until you know what the accommodations might be. Yeah. Sit down with an advisor. There are people willing to help in every instance in life. I did. I have my accommodation letters and everything. So what happened was so since I failed, though, I had a file an appeal with the school to take the class for the third time for two of the classes because I failed them twice because I'm not great at math and things. like that. And I'm not, yeah, so that's a big thing as well. Math is very, very difficult for me, as you could see.

Starting point is 00:43:09 This isn't math, this behavior. Buying a great outfit for a festival on a credit card. I've done it. But we can't go to a classroom. Great. It's just for summer classes. Who hit who first? Be honest with me.

Starting point is 00:43:36 Who hit who first? Oh, she did. She pushed me. and then I had pushed is different. Who hit who first? Me. Yeah, it was a in the face shove. Yes, if you guys are in each other's faces, someone might naturally push.

Starting point is 00:43:51 And then you were physical first. My natural reaction is. So now I have this is even level 10 has, but I thought was a level 7, you thought was a level 10, is now down to a level 5 because you were the one who went crazy. She's the one that went crazy first and touched me first. You were in her face and so she pushed you out of her face. No, she came into my face.

Starting point is 00:44:09 my face and shoved me. And I'm sure you got closer. Listen, I don't know. Of course, because I make contact. Two sides of every story. Absolutely. If I call her, what will she say about that exact question? I don't know what her perception of that would have been. But she said she probably would have like, oh, I just, yeah, I pushed her back and she

Starting point is 00:44:31 took it the wrong way. But you don't put your hands on nobody. You don't touch anybody. I come from, I come from the hood. on her. I come from the hoods, I guess. You come from the hoods, I guess grandma. Well, I come from Broward County, Florida.

Starting point is 00:44:44 So I just... It needs nothing to me. What's your financial score, 0 to 10? 10 being absolutely incredible, zero being the worst of the worst. I would say about a 2. Okay. If you want your Hammer Financial Score, take the assessment and see where you stand

Starting point is 00:44:56 in the world of finances. Go to Calebhammer.com. Or click the link in description below. You can also go to Calebhammer.com slash apply and come on this show. We'd be happy to have you here in Austin, Texas. But only if you don't show. me if we get in each other's faces.

Starting point is 00:45:11 And if you don't want to be like a guest on the show, I have to do is download my budgeting app. Just do that. Sign up for the annual version. I'll send you the cookbook and the notebook that can't be purchased anywhere else. I'll sign it personally and mail it directly to you. We're going to start with PayPal. Chunky balance for something making $20 an hour.

Starting point is 00:45:27 This is your entire monthly income. This is balance. In fact, it's actually higher. So what's going on with this? Because we're talking $2,855,000.26. What is going on? there was a lot going on with that PayPal card. So.

Starting point is 00:45:44 What? I have a note saying you told Lindsay you're a sleep shop. What the fuck does that even mean? So what happens is I have insomnia. So I take sleeping medication from my doctor. Oh my. You're tremendous. So since that happens when I take it,

Starting point is 00:46:00 sometimes I will go to sleep and I will wake up and get on my phone and go on like Amazon or something that I will need in my shopping cart and I will purse. and I will purchase it or and then I'll, sometimes I catch myself. What should you do? What? What should you do? I discuss it with my physician. What should you do?

Starting point is 00:46:19 Discuss it with my physician. What should you do? Keep trying. You're almost there. Return the stuff that I buy. What should you do? Stop taking the medication? No.

Starting point is 00:46:29 The return's a pretty good answer, but that's not the true answer. What should you do? Keep my phone somewhere not next to my bed. It's also a good answer, but it's not the literal easy. easiest answer in the world. What should you do? Can you answer it for me? I don't know. What should you do? See if you can get there. Delete the apps off my phone.

Starting point is 00:46:46 Oh, easy. Oh my goodness. A reoccurring occurrence where we can't stop purchasing things in the middle of the night. You fucking delete it, you dumb tit. What do you think you should do? This is basic. Two seconds. How the fuck are you not deleting the app if this is an issue? If you do it one time, delete it. Because I, because I pay for Amazon. You. You continue doing the same. thing in the middle of the night. Delete it! Just only when you get on your computer in the living room.

Starting point is 00:47:17 I don't have a computer. Okay, sure. We live in this don't age. How are you doing remote classes, then? The school was going to provide me a laptop, and they didn't have one ready when the classes started as well. So on Monday, with class started, I didn't have a laptop either. So they were going to provide one.

Starting point is 00:47:32 Is that ADA? So with this school, they have a program for the laptops, and I had to, and I kind of signed up for classes last minute. You can use student loans to get a lab. And I actually relatively support that as long as you're not using it as an excuse to get in a laptop more than you need. Oh, I didn't know you could get a laptop with your student. I thought it was just for books. I believe for basically most things school-wise.

Starting point is 00:47:59 Oh, okay. And people go and get cars you're not supposed to. And that's actually against the rules. Ever feel like running a business right now is just chaos? Tariffs are changing weekly. supply chains are basically held together with duct tape and cash flow yeah tighter than any grocery budget back in college and if your business isn't adapting in real time you're in trouble that's why you need full visibility on everything i'm talking global shipments terrace cash flow all of it and

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Starting point is 00:49:00 So if your business pulls in seven figures or more, download NetSuite's free ebook navigating global trade, three insights for leaders at netsuite.com slash hammer. That is NetSuite.com slash hammer. Tame the Chaos with NetSuite. Let's get back to the show. You know me. I'm always preaching about new ways to make money. So here's a twist.

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Starting point is 00:50:18 Delete the fucking app and download it when you need to get something. This is basic. And yes, return every item. And yes, put the phone in the other room. This is basic. Literally use any second of thought. If you have done something, figure out you need to do to make sure it doesn't happen again. But instead you just give up and you're just like,

Starting point is 00:50:37 no, let's let it happen again. What the fuck kind of life is that? Again, oh, it's slightly hard, so we're just not going to do it. That's how you live. Yeah. Slightly hard to read download an app, so that's how you live. I just didn't have that thought until you just brought it up to me. You don't have any thought, apparently, because you're not willing to problem solve for anything,

Starting point is 00:50:53 because slightly thinking about something is slightly inconvenient, and if it's slightly inconvenient for you, your mental health gets in the way. Well, yeah, I got a lot of sub points. So, like, I have sub points when I think. So you might think from point A to B, but I have, point A to B, or C, but then I need like B, C, but you see how you're thinking about this? And even though that is probably technically correct, because you are willing to only think about this forever, you will not let yourself get out of that.

Starting point is 00:51:18 You immediately say, I can't do something because this is what happens with people who have similar mental health things to me. You have prevented yourself. You've built walls. Yeah. Other people who actually make progress and go beyond actually try to push themselves. You immediately tell yourself that you. You can't. I have, as you can tell, I've gotten a degree.

Starting point is 00:51:41 I've tried to go back to school a few times. It's just I... We're literally talking about deleting a fucking app lady. Yeah. Deleting a fucking app or putting a phone in a different room. I live in a studio. I'm not talking about getting a degree anymore. Yeah, put it in a kitchen cabinet.

Starting point is 00:51:58 Yeah, I definitely need to. See how I can problem solve in a half a second because I actually think instead of immediately saying I can't do something? I wear earplugs at night. So how am I supposed to hear it in the kitchen cabinet? Hear what? My alarm for work. Then delete the app or return the packages.

Starting point is 00:52:17 These are so many simple things. Your reasons are I can't do anything and that's the end of the story. Unless it's finding a way to get to a rave. And as we found out, if there are obstacles, we choose FOMO every time. See, and that is what that game proved. If there's something you want to do, you're willing to do the hard thing to get there. But if there's something slightly inconvenient that you don't want to do, Oh, no, our mental health prevents us.

Starting point is 00:52:40 And here's blah, blah, blah, reason why that I found online. I didn't find anything online. I don't even have TikTok. That's why I said you keep referring to these, like, social media apps, and I'm just like, I found. Well, this is where a lot of the mindset is. Oh, okay.

Starting point is 00:52:53 See, my mind's not there. Well, no, it is, but you're just somehow didn't go down the rabbit hole. Oh, thank goodness. Your therapist probably. You probably have a therapist that, like, fully enables everything. Which they exist, unfortunately.

Starting point is 00:53:08 they're a decent percentage to them. Yeah. Cottle, coddle, coddle. Yeah, no. They're just like, what are you doing? I'm like, I don't even know. I need help. And that's why I'm here.

Starting point is 00:53:18 I agree. But again, you're not willing to do anything. That isn't something you want to do. I think maybe having other options available. No, it's options that you want. And you're using your mental health as an excuse for that. If it's not an option that you want, that it's slightly more convenient to you, you won't do it.

Starting point is 00:53:38 it's not just mental health it's just a impulsivity as well like I get a lot of FOMO You're gonna say your mental health is You're gonna say you're gonna say You're gonna say your impulsitivity is about mental health No it's about FOMO It's like I see them all going

Starting point is 00:53:52 And then it makes me want to go They don't try to convince me I convince myself even though I told myself No then I get the ticket at the last minute And the ticket costs more than if I got pre-sales So you know if I get pre-sales Then it's way cheaper It's $15 compared to the $30 I just paid

Starting point is 00:54:06 to get into a show. Yeah, you see the videos. And then it's like, oh, I wish I was there. And then I'm like, hey, I could be there in about 20 minutes. I don't wish I was here. Oh, I'm glad I'm here. Okay. How long does this take the payoff?

Starting point is 00:54:26 If you don't make any purchases and you pay your minimum monthly payment, which, congratulations, you pay your minimum of the payment, but you purchase. So if you didn't purchase and you paid your minimum payment, how long does this take to pay off? I would say maybe like a few months. 14 years. Where's that math at? Where's the 14 years?

Starting point is 00:54:46 Well, if you only do your minimum fee payment with the interest accruing and not purchasing anything, you'll pay a total of $8,500 and that takes 14 years. So if... Go on. I feel like if you pay maybe like five extra dollars more than the minimum, does that maybe lower it down even? Yes, but I asked if you...

Starting point is 00:55:08 You only did your minimum of the payment, which is what you do. But without purchasing, which you don't do. Because all you do is purchase. I do. Especially during sleep time. The minimum of the payment is $101 during summertime? So did you say? No, no.

Starting point is 00:55:21 Especially during sleep time. Return it, you fuck. Yeah. I do sometimes. I will admit it. I sometimes. I do sometimes I don't. Hold your damn Amazon.

Starting point is 00:55:32 Pull it up. Pull up your fucking Amazon. Okay. And I need to clarify. I need to extra clarify for the audience and for you. I have to type it. I'm glad you're talking while I'm typing so you can tell me that you have to type things in. I have to clarify for you guys.

Starting point is 00:55:55 I deeply respect mental health. I give every guest that comes on this show free therapy sessions if they take it. Okay? And that is thanks to Sondermine, who's the supporter of this channel, who I recommend that the audience ends up for as well, and I use them. I like my orders? I will do it. I am talking right now. Sorry.

Starting point is 00:56:15 I recommend people go to therapy. I respect diagnoses. Now, a lot of people self-diagnosed a lot. I have diagnosed. I have a panic disorder and it absolutely fucking sucks. I do have anxiety. Like, I get it. Depression's very real.

Starting point is 00:56:33 ADHD is very real. There are a lot of real things. I am pushing back because of the clear examples that are being shown that when there is something against slightly inconvenient, that she wants to do, she will do whatever it takes to do it. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd.

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Starting point is 00:57:14 Limited time offer. But if there is slightly, there's something, if there's something slightly inconvenient, that is not the way she wants to do it. Mental health is the reason she cannot do it. If you get stuck in this worldview, you will never go anywhere, and that is why I'm pushing back. The toxic thing, once we went deeper into it, wasn't as toxic as we thought.

Starting point is 00:57:34 There was a physical altercation. People have physical altercations when they push themselves to the limit. I'm not saying it is a healthy thing. I'm not saying it is a good thing. But I am saying that clearly she pushed you when you got closer to her when she got in your face. Okay, that sucks. But you went back and attacked her. You were the attacker.

Starting point is 00:57:53 So let's not say that you were in the situation. You put yourself in the situation a bit more. You could have walked away. This was a situation where you guys were immediately arguing. It's just the view where we put our boundaries. Not every boundary is respectable. I'm going to be completely honest. And that is there are going to be some.

Starting point is 00:58:12 Really angry TikTokers out there to see in this clip. But fuck you. Honestly, because if you put a dumb boundary, I'm not going to respect it. No, this is stupid. You've put up barriers when it comes to things you don't want to do and you've used mental health

Starting point is 00:58:28 and you've really fallen in the rabbit hole, learning everything you can about it so you can use talking points and so that you can tell yourself why you can't do something, but then you'll go do the things you want to do. And then you'll immediately say it's a level 10 thing because you attack someone

Starting point is 00:58:40 so that you can play your music. Don't touch me first. I think she learned that. You don't touch people. So I respect it. And obviously she should have moved out. But again, she is making it sound like it was a domestic abuse situation of which it was not. There are different levels.

Starting point is 00:58:56 There are nuances. And there are nuances in every piece of the conversation. Even if TikTok, Reddit, and Twitter is not willing to actually have levels of nuances. I will. So fuck off. We're allowed to have adult conversations in 2025. All right. Amazon. What is this a sippy cup?

Starting point is 00:59:22 Professional makeup fat oil. It's lip oil. Some of my lips don't get chapped from a Florida sun. We don't use chapsic in Florida? Okay. I don't know what this is. Wet wipes. Okay.

Starting point is 00:59:34 We got a dirty asshole. Got it. Nasal spray. Not horribly against that. Definitely against this shirt that you probably bought in the middle of the night. You got the beach wear. It's actually behind me. I bought it for the show.

Starting point is 00:59:48 And then she doesn't wear it. And then some beachware. And pre-made stargic espresso and cream bowl. Make your own damn coffee. Toil paper, I'm okay with that. Comfort Plus. I'd rather, you know, more so go with, well, comfort plus is probably good.

Starting point is 01:00:05 I don't do Scott. What do we do here? Charmin Ultrasoft. That's what we do. I usually do Angel Soft, but then it was on sale with the Scott. So I just bought the day because I was like to say. Okay, we've gone way too far into that. We got more beach wear, which we refuse to, I guess, wear more than once.

Starting point is 01:00:24 We got some butt, lift, stretch, denim jeans, okay? So she don't have it. We've learned everyone. Thank goodness. I'm glad we know this information, but we do know it's dirty. Box 3 compartment medicine pill. Yeah, probably need a lot of those. I get it.

Starting point is 01:00:42 4.5 mini makeup bag. to bring on this trip. You didn't, we did not ask for it. You did that. Again, you're using it as an excuse. Travel bag, we did not ask for it. You're doing it. Small makeup bag, we didn't ask for it.

Starting point is 01:00:58 You did it. TSA approved toiletry bag. We didn't not ask for it. You did it. You got an identical repeat, just red of an outfit. Okay, I'm good with that gain thing. Makeup remover, you know, absolutely sure that's fine. molecules, nia septum serum, come on.

Starting point is 01:01:16 I don't know. I get it. But like just look at the spending that we've done just in less than a month. Yeah. Fubrize, plug, air freshener, getting these endless body suits. Your body suit. This is that one, I think. You're getting a sexy, top, thonged body suit.

Starting point is 01:01:34 Yeah, so I can cover up my stomach and everything. And she got a red version. And then she got quick flash, 400 one-time use cameras. This is just, I don't know, is this bull's-this. This is bull-s. You get so many different versions of the same fucking clothes, and you just get them like every week. 14 years to pay off, endless interest.

Starting point is 01:01:56 This is stupid. And yes, it's an Amazon purchase, not surprise. Interest this year so far, $286 on one card. It's at a 30.99% interest rate. 39? 30.99, so 31%. It does not make it better. I mean, I guess it's,

Starting point is 01:02:15 it technically does, but that does not make it good. Yeah, I thought you said 39. It doesn't make it good. No, not at all. Return all that shit. Return it all. That jacket doesn't matter. It's fucking Texas.

Starting point is 01:02:30 It's 90 billion degrees out. Return it. Florida's also hot. Return it. I washed it already. It's Amazon. Oh. I didn't.

Starting point is 01:02:40 Fucking daddy bases don't care. Maybe they do now. I don't know. I don't know. I don't can return everything. Delete the damn app. You probably shouldn't have. have it anyway. Go to the grocery store. Go to the grocery store. I get Walmart plus delivered.

Starting point is 01:02:57 Okay, go to the grocery store. I'm sure you get anxious in the aisles, but guess what? You're in faking raves. So you are doing that to yourself. Yep. You are choosing at this point. And it's, it's stupid. It's dumb. It's dumb. City double cash. I like this card. I use this card. I have this card. You are obviously not a credit card person because you're not using it. a great. Yeah, I got that one for the perks and I also spent. Great. Our perk is accruing $50 an interest a month. What perks are you using? Oh, great. We're also purchasing it on a card. Oh, great. It's maxed out. It's over, it's overlimit by $49.27, but we're purchasing on it. What are you doing? What a dumb. That's so stupid. What is going on with this? I think I make the minimum monthly payment on it and

Starting point is 01:03:55 then what comes back with the interest is more. Yes, but you, because you're purchasing. It's only because you're purchasing. We use that excuse to know. If you're making your minimum fee payment and interest accrued, you would not be going over the limit. It would go down slightly. Not a lot, but it would go down slightly.

Starting point is 01:04:10 However, you are purchasing after you make your minimumity payment, but you're purchasing and that interest hits. And then boom, it's over. It's over. Nine years to pay off if you don't purchase, but you're incapable of that. So what the fuck is going on here, huh? What are you doing?

Starting point is 01:04:25 What are you purchasing? What do you think of purchasing it on? Let's see. I don't know. I'm going to find out, so you better not fucking lie. Nope, that one. I'm pretty sure it was a festival as well on most of that. And a trip.

Starting point is 01:04:39 A trip? To Sedona. What the fuck is that? Arizona. So, Sedona, Arizona? For the cat die? For peace. Go to the beach.

Starting point is 01:04:51 I just did. I'm sunburned. No, you're not. Well, I, you don't. look like it right now, but I am. I'm peeling. Yeah, so I went to Sedona because I know it's a big. Peace.

Starting point is 01:05:05 Like they have energy vortexes and whatnot, and I did a lot of taking. Yeah, a lot of energy vortexes and whatnot at the cathedrals. Oh, for a fuck. Who am I talking to? You're a freakie. A hippie raver chick. No. I mean, if we're bringing up energy vortexes, like, I can't respect your line of thought.

Starting point is 01:05:23 And then sometimes I will do a. a payment plan for a festival and then I'll just stop paying on it. Yeah, and sometimes you go to energy vortexes. Let's not move past that. That's the most dumb thing I've ever in my life. You know, an energy vortex, the fucking, the, uh, the, uh, the, uh, it's like their Earth's magnetic. Yeah, now that's actually real. Yeah.

Starting point is 01:05:41 Now, what the fuck are you talking about? Energy vortexes are at the, like, in, in Arizona at these different places there. Guys, the polls are in Arizona now. No, I have a video of me at one and it says the cathedral vortex. Like, I have proof. That means nothing. And then, like, ATGing in the mountains. and then in the desert.

Starting point is 01:05:57 That means they want you to go there, lady. Hiking's free there, so I don't understand. But you had to pay to go there, and you spent money while you were there on food and accommodations. Yeah, we flew into Las Vegas and drove on. What the fuck I think tourism is? Yeah, because I was trying to visit the national parks. But you went for peace? Yeah, because like hiking and out in nature.

Starting point is 01:06:17 Hey, fuck you, peace. You spend 45% of your income on rent. You don't have peace. You don't have peace until you solve that equation. Yeah. There is no peace to be found. No matter where you go, no matter what you do, when 45% of your money goes to rent, there is no peace. You don't solve that until you go to school and get a better job or just go get a better job working on an office and change your careers.

Starting point is 01:06:41 Or fucking go on and don't spend money on delivery. Or fucking don't go on these vacations or fucking work a second job or do any of the basic bare budget minimums. You don't have peace until you start. solve this issue, no matter where you go, a vortex is not going to solve that. Not a vortex in this world will solve your 45% income going to rent. So don't vortex me. F*** your vortex. Your vortex is bullshit.

Starting point is 01:07:10 I live for experience. You live for 45% of your money going to rent is actually what you live for. In fact, you literally live to go to work because you have no other choice because you've been done with your entire spending life, debt existence. No, no, I just don't think I put the tools that I have. Tools, fuck your tools. What tools? You don't have a tool.

Starting point is 01:07:32 You're only tools a vortex and it's bullshit. You're not wrong, but at the same time, you're not right. What? Because I feel like I can, what am I trying to say? Yeah, what are you trying to say? I'm trying to worry it correctly. What's the vortex in you saying? I feel like, sometimes I'll pay for like go on a payment plan for a festival so it's more affordable,

Starting point is 01:08:03 but then I'll stop paying the lump sum and put it on a credit card. But then I'll start paying on it if I know I can't afford it. When you have more minimumity payments, your life's not more affordable. Again, 45% of your money is going to rent. Adding an additional minimum fee payment is not affordable. Yeah, but then I'll stop paying on it after like one or two payments because I realize I won't be able to travel and afford it. So I'll just completely stop paying on it.

Starting point is 01:08:26 So it's another. Oops. I have the enthusiasm and then I will be. $100 retirement at $40 at 34. Oh. Whoops. Yeah. Fick.

Starting point is 01:08:39 Sedona. He have $0 in retirement. You're not going to be able to survive. You're not able to go outside. You're going to need retirement. Sedona. The only vortex you'll be seeing are the fucking swirling things going down the drain in a Walmart bathroom that you're cleaning at 80 because you can't afford rent.

Starting point is 01:09:02 that's your vortex. Well, hopefully. Because you aren't prepping for anything and you'd rather fuck around. Well, you fuck around and find out, right? And you found out a hard way, yeah. Like my mom says. I always find out the hard way.

Starting point is 01:09:18 Your mom invented that? No, she just said I'm hard-headed. I learned the hard way. She's like, no matter what advice she goes to. You don't learn, though. You see the hard and then you keep going. Yeah, and then... You're going in raw.

Starting point is 01:09:33 Yeah. Yeah, but then, and then once it gets to rock bottom, that's when I'm like, okay. No, you've been to rock bottom. You're fucking, you've been it. I've pulled out and now I got back in. I jumped right back in. No, you're at rock fucking bottom. And then somehow you just put on creative mode and dig through.

Starting point is 01:09:55 Like, you just go further. Yeah. I've gotten myself out of debt like twice and then like I jump like right back in. Yeah, but now you can't get back out because you've moved to a situation that you not afford. It is a different situation. The math no longer works. It is not different. It is not a copy and paste. What? Your mom will give you money when you're out of money before payday. So somehow, even though mama does support us, you're still fucking it all up. How? With a support system like that where she honestly, let's be honest, enables you. But whatever.

Starting point is 01:10:35 Yeah, it's $50 to $100. You still fuck it over? It's not. And a hair back. So you're in like a debt cycle to your mom? No, no, no. Like, once in a blue moon, she'll help me. Yeah, but then you pay her back the next month, but then you don't have enough money at the end of the month, so you have to take it again. No.

Starting point is 01:10:53 What the fuck are you saying? No, just sometimes, like, like, when I overspend. Overspend. So Mama is enabling your overspending. Yeah. Yeah. In a way. Yes.

Starting point is 01:11:03 You're 34. But I, when I say, could I have $5 free gas money, but then I'll pay her back when I get paid. You're a 30-year-old, grown-ass woman. You're asking your mom for gas money. Yes. So you can go to a festival. No.

Starting point is 01:11:15 Yes, because you spent your festival money, which is why you don't have enough money for gas, which means because you wanted to go to a festival. Yeah, and it's not every week or every month I ask her. It's every few months, maybe. At 34, as a grown ass woman. Yep. Quick question. How many jobs have you had since college?

Starting point is 01:11:36 Two, five, more? Every single one of those could have left you with an old 401K that is floating around in the void. And guess what? 25% of all 401k assets get lost or forgot. and that is not just lunch money, that it's your retirement. Rolling over your 401k sounds easy until you try it. Trucking own your old provider, calling your former employer, maybe even fixing stuff, maybe even faxing stuff in 2025.

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Starting point is 01:12:22 Links are also in the description. Big thanks to Capitalize for sponsoring. Let's get back to the show. I'm just glad that I have my mom. I would be too. It is disgusting what you are doing to her. As a 34-year-old grown-ass woman. It's not like I'm taking the money and not stealing it or not keeping it back to her.

Starting point is 01:12:40 Again, now this is not a copy and pay situation. Just like any time you run up a credit card and pay it off every. every month. All of a sudden, we end up in a situation where, boom, credit cards maxed out. You have been able to pay back your mom so far. Now 45% of your money goes to your rent. What happens when you can't?

Starting point is 01:12:57 It hasn't happened yet. Yes. You are in a different situation. It is not copy and paste. Just because something has doesn't mean it will. Exactly. I said it hasn't yet. Great.

Starting point is 01:13:09 Okay. Well, yep, tickets. And then Amazon. Great. Yeah. $203 on this card alone. So basically $500 in interest, two cards that we've looked at. Listen, it's not perfect, but if you can't get through college,

Starting point is 01:13:28 I'll gift you a course career certification. Get that certification and boost your income at least. That's great for just resume support and getting into a new career field. I'll at least do that. I'll take it. I'll take whatever I can. Yeah, but it's on you to complete it. Okay, Chase Amazon card.

Starting point is 01:13:44 So great. Yeah, you spent on Amazon. on the PayPal and on the city. So now we have an Amazon card as well. $2,135 to $64. 10 years to pay this one off. We purchased again on a card that is now over maxed out. It is over maxed out lady.

Starting point is 01:14:02 It is fucking, what are you doing? What are you doing? Nonsense. Yeah, you were over the limit on the first card by $560. Over? What? Yes, you were. over the fucking limit on the first card, the PayPal card, by $560.

Starting point is 01:14:22 I didn't even see that. And now I realized that the two cards in a row being over the limit, I should probably look back. Guess what? All three cards are over the fucking limit, yet you purchase on. And no, your mental health does not make you do that. I feel like I need to pull that up. Well, I don't know.

Starting point is 01:14:41 I mean, it's actually hard to see. Maybe it's $56. It's hard to see. It looks like $560. It doesn't matter. You're over on both. Who gives a f***? That just startled me, sorry.

Starting point is 01:14:51 I was just like, way, way, wait. I haven't seen that before. It's a disaster. Stop. Amazon. Bullshit. Over the limit. Bullshit.

Starting point is 01:14:59 $2,135. $0.64. Bullshit. Hey, hey, hey. Bullshit. $71. Minimumance of payment. Purchasing.

Starting point is 01:15:16 Interest accruing. So stupid. And it's Amazon and Amazon. $200 this one. $200 this one. the PayPal because it's hard to read, unfortunately. It's $55.26 over. Okay, okay.

Starting point is 01:15:30 That scared me from like... The 26 combined. Oh. Looked like zero. I know it doesn't make it better about the same time. No, it doesn't. You're over on the three that we've talked about. We talked about three and you're over all three.

Starting point is 01:15:40 Yeah. That's not a single good thing to be seen. This is an additional $200. An additional $200. An additional $200. What? A joke. I also pull a.

Starting point is 01:15:57 on clown makeup and won my alone time. Venture card. It's over the fucking limit. It is. It's over the fucking limit. It's like my baby credit card too. Your baby credit card? What is that?

Starting point is 01:16:12 It has the lowest limit. It's like the newest one. Not like... Mom, stop supporting her. She needs to just... She needs to get evicted and find out the hard way. $1,024.19. She needs to figure out that she can put in a little bit of work for things

Starting point is 01:16:31 that is slightly inconvenient and hard for her instead of just putting in work for things that she wants. My rent has never been late. Ever. Mom supports you. You fucking you put all your money on credit cards, and now they're over maxed out. So guess what?

Starting point is 01:16:42 In order to live the lifestyle you want to live, you're not going to be able to put them on credit cards anymore. Rent might be late. And it's also not copying paste. You've only been in there for a little bit, and now it's 45% of your income. Stop saying that because things have been, they will be. It is a different situation.

Starting point is 01:16:55 It is getting worse. You have gone beyond bedrock. I heard it's nice there. Where? Bedrock. We're afraid flints now, lips, in the Stone Ages. Never mind, no pun intended. No pun given.

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Starting point is 01:17:37 Well, there's no purchases on this one, but you couldn't. I mean, you started over the limit. So you literally couldn't. It wasn't via your choice or behavior change. It was you being unable to. Well, I've also locked that card too. Well, thank you. Yeah, I locked that one.

Starting point is 01:17:53 Why this one and not the other three that you're fucking over? Because, you know, the debt snowball effect with the minimum, start with the smallest. Oh, David. She isn't. David! I try, so I locked it, so I can't do any more damage. So. But you did one out of

Starting point is 01:18:09 Yeah, I know. But okay, yeah, maybe we should have listened to the other DVDs. I should have. Because it also says Don't spend on the other credit cards. Don't spend on the other credit cards. Not going to see the inside of a restaurant

Starting point is 01:18:24 unless you're working there. It's like a perfect representation of him. My wife is probably my sister. Don't know that one for a fact. I'm just going based on the accent. You never know. It's 2025. Whoa, we're fucking sisters in 2025?

Starting point is 01:18:44 I don't know. Not me. But Dave, might. David, I'm sorry. Me too. Seven years to just pay this one off. It's $1,000 and it takes seven years. $1,000 and it takes $7 years.

Starting point is 01:19:01 You'll be in your 40s. Still $0,000, still paying off credit cards. Zero dollars in our retirement, still paying off credit cards. Seven years for $1,000. That's ridiculous. that is beyond. That is beyond. $95 of interest

Starting point is 01:19:23 accrued this year so far on here. 29% interest rate. That is beyond. I don't understand. This is the fifth credit card and you're over the limit. You've been over five. Five out of five you've been over. I don't know how many there are,

Starting point is 01:19:46 but five out of five you've been over. What a fucking joke. What a joke. What a joke. Yeah, that one is also my oldest one, so I didn't want to close it when I paid it off completely before, and then I spent all of it when they upgraded my... $1,11, $0.20. What?

Starting point is 01:20:07 When they said I could spend more on it, what is... And then I was like, oh. 37-hour minimumity payment. Inches accruing, didn't purchase, because you can't. Eight years to pay off. Even further earner of 40s, paying off credit card, $0.000 in retirement. Less than 10 years to go before you can pull from your retirement tax advantage accounts, $0.

Starting point is 01:20:30 So what did you put on this? Oh, right. Yeah. 29% interest, $100. $100 is here so far. I was going to say, I don't think I've been using that one that much as well because it's, like my, like I said, but it was my oldest one, and they raised my credit limit, and that's when I ended up spending. maxing it out. What the fuck is this possibly?

Starting point is 01:21:09 I see a 35.77% interest rate. What the fuck is this possibly? What the fuck is this possibly? It is a 35.77% interest rate. That was my first credit card. Wait, wait. It's a loan. Oh, yep.

Starting point is 01:21:25 Amount paid a Golden Globe medical spa? Yep. Spa? Yep. What the fuck is this? Tell me. It's for my face. As you could see.

Starting point is 01:21:36 Well, I have some makeup on, but there's some issues with my face that I need to get fixed. What's broken? And what is a spa doing to fix it? Well, it's like a, like aesthetics, like micrneedling or stuff like that. What's wrong? Is it just a dry face? Well, I have like eczema and things of that nature, but I also did. So we're trying to fix it or we're going to a spot?

Starting point is 01:22:01 The sun damage and other things of that nature. Go! So, that's sunscreen, lady? Well, when there's sun damage already, the sunscreen doesn't fix that. Why weren't you wearing sunscreen to begin with? I did. I just forget to reapply sometimes. You can't.

Starting point is 01:22:14 You live in Florida. This is basic sense. So now you have a 35.77% interest loan? Yep. That's fucking dumb. It's dumb. This is so stupid. Spa, spa, spa,

Starting point is 01:22:28 photofacials and Botox, they're saying. Yeah. So the photofacials for the sun damage. And Botox? It was for the you got me. Dup lines, the Eurolevens. I look at people like this all the time because they got me fucked up, like how I have you fucked up right now.

Starting point is 01:22:42 Oh, that is your choice. That is a fucking want. It's just my expression. That is a full want. That is a full want. It was. There's nothing to do with anything that has happened. So fuck you.

Starting point is 01:22:49 It was. When you explain this at the beginning, you did not say that you got a want injected into you. Well, the Botox was different. That was a different loan. Oh, it's a different fucking loan. Oh, my fuck. So spa loan is 770, 88.

Starting point is 01:23:07 $128 payment. Stupid. Going to the spot for 35.77%. I haven't heard of that before. That's a new level of, you know, new level of just dumb. You opted into a $75 or six-month, $75 a month membership.

Starting point is 01:23:30 Yeah, to get that price for the... Oh, thank goodness. To get the price for everything to get lowered. If you sign up for a membership, you get it cheaper. but that's $75 I can use for anything at the end of the six months. Yeah, you should, yeah, you should spend more money. That sounds like a wonderful idea. A wonderful idea.

Starting point is 01:23:49 You should get a membership to spend more money. That sounds fantastic. Greatest choice we've ever made in our life. That probably was, yes. Oh, so here it is. Oh, did it hire. 35.96% rate. This is the boat.

Starting point is 01:24:04 How much does that one? Oh, 318. Yeah. Fucking beau, fucking talks. David doesn't suggest that he. there, lady. I didn't see, hear him say that in the DV-Ficking D's. And guess what? It's not because he was

Starting point is 01:24:18 in real estate dead and he went through bankruptcy. $318.16. $35.9.6% interest rate on Botox. They're in my monthly payment, 177. Moronic. Moronic. And guess what? And guess what? You look at your age.

Starting point is 01:24:38 I do. Now. It starts wearing off now and now they're coming back. It's not funny. I'm not. I was just trying to show you what I did. It's a 36 point. Dumb, dumb, dumb, stupid moronic

Starting point is 01:24:55 fucking interest rate. Of idiocy. Yeah, that definitely was a choice. Yeah, that definitely was a choice that you made and then. But guys, the slightly inconvenient things that we don't want to do, we can't do it because, uh-oh. Suncoast credit union, what's this?

Starting point is 01:25:18 My car loan. Oh, it's a 15,000. $152. $10.25% interest rate. That is not good. It's because where my credit was that when I applied for the loan. Yeah, I'm sure your credit's not great now. Not anymore.

Starting point is 01:25:32 It was when I applied for that. Minimum monthly payment, $284.85. What is the car? I have a white Mazda CX5. It's a 2017. I mean, I paid $15K for it. You paid $15,000.

Starting point is 01:25:52 your loan is over 15. When'd you get it? Um, in September. You paid 15, but your current loan is over 15,000. No, what? No, no, no.

Starting point is 01:26:03 It's at $15,052. Oh, Oh, yeah, no, no. You, no, this is your acceptance. Oh, I don't even know, but I'm going to keep it there. Either way. So, Carlos, it's worth 13.

Starting point is 01:26:15 Okay, so like I originally, so the loan of itself was 15. Yes, 15. And then, yeah, and that's what I paid for that. I brought it there with my piece of crap car that was about to fail. It was a 2005 Hyundai Laundrae. Okay, okay, okay, okay, okay, okay, okay, okay. It's worth 13.

Starting point is 01:26:33 Okay, that's how much about a lot now. Consider it a disgusting interest rate. Yeah, I'm going to try to refinance once I get a little bit better credit. Yeah, and as well, I really need to get the brakes change on it because when I first got the car, they gave me the car fact report. Everything was done but the brakes and now I'm starting to feel it, but I can't afford it now. You can if you weren't. Yeah. You chose festivals over your brakes.

Starting point is 01:26:58 I did. Chose Botox over your brakes. I did. You're choosing all those copy and paste fucking butt lift things on Amazon over your brakes. And I guarantee your butt looking slightly bigger but still incredibly small is not going to keep you safe when your car crashes. I bought the pants to wear on this show. They're in my bag in the... Why would you wear...

Starting point is 01:27:26 Buy the pants. I've never seen your pants. I will never see your pants. And the camera's never seen your pants. And they never will. So why the fuck are you buying pants to be on a show where I literally only see you

Starting point is 01:27:38 from here to here? My weight has changed and I don't fit in and tend out in any of my clothes. So I've had to buy... What does that matter for this show? I didn't know if... I didn't know the proper clothing to wear, honestly.

Starting point is 01:27:50 There is not. It's just wear clothes. Don't let it. hang out. It's like the rule. That's demomotization. Other than that, wear whatever the fuck you want. I don't care. Yeah, I just wasn't 100 sure. That's why someone's dressed up in African wear even though as white as

Starting point is 01:28:04 day. Yeah, so I just was unsure of the clothing. So I brought pants and shorts with me and, yeah, sensory. I don't care. So that's what that was. And then the weight gain. So that's why I'm buying pants. Yeah.

Starting point is 01:28:23 Mm-hmm. There it is. And that's my student loans. Monthly payment, 525. So what's happening with that right this second is I was doing that save thing and they overturned it. I got a notification just like two weeks ago saying I need to sign up because I had an IDR plan. And it was going to be like 132. And they overturned that, I guess, in the courts as well.

Starting point is 01:28:53 I got a notification that I was in a 60-day for Barron. and they'll let me know what my new payment's going to be. Well, looks like $525. 60 cents. Yes, this was about like two weeks ago. So I don't know. They're making you pay back the contract that you signed. Yeah, no, that's a crazy contract.

Starting point is 01:29:09 That's completely okay that I need to pay. It's just so I signed it for that, but they said that. Listen, I get, I'm actually okay with income driven when people are in struggling situations. I'm good with that. But also, let's just look at it logically. You 100% knew what you were signing up for when you signed up. You signed the. contract, why the fuck you get something special?

Starting point is 01:29:29 I shouldn't. I don't think I am entitled to anything special. I just, I think I just was more uneducated than anything with that. And I did take out more than I needed. I didn't lower the... A lot of people sign just paperwork at 18, go to college. It's just a tradition. Instead of in the course, counselors don't talk about it.

Starting point is 01:29:48 And certainly the reps of the school don't because they want you to go there and spend all their money. So I get it. The system is set up to get the person to just sign the dotted line. But we don't live in a stupid age. We have YouTube. We have more resources than ever for seeking knowledge if you really just want to. It's like, yeah.

Starting point is 01:30:06 It's a hard time. Yeah, so that's what's going on. So I don't know. It's in a forbearance right now. I don't know what the new payment will be. I'm going to find out soon. But they said if they don't come back in 60 days, they're going to put another forbearance and let me know soon.

Starting point is 01:30:18 And I'm like, oh. We'll see. Yeah. So that one is a little ify. I'll cross it off for now, but that's going to be brutal. It's all your debt. Yes. Great.

Starting point is 01:30:28 I have an ending balance and a checking account of $5. That's, um... Zero dollars. And then the main one, $16. Yeah. It's a credit union. So like you have to do like a five,

Starting point is 01:30:39 like each person puts in like $5 to have an account with the credit union and then there's a state of account and then a checking account in it. But even though we have no money and we can't pay our loans and we decided to fuck our entire life and can't afford anything. We're doing Amazon, Amazon, KFC, KFC. TV, Aero Post, Amazon, Spotify, Amazon, PayPal, PayPal, PayPal, more TV. I think you're renting movies. Zell, KFC, DoorDash, your DoorDash, but you're not paying your fucking debt, sure.

Starting point is 01:31:13 Zelling out money, eBay DoorDash, PayPal, Amazon, Amazon, PayPal, going in getting some BS, more tickets and skippers and skippers. So two tickets in the month, by the way. Mo MoGo Amazon Wendy's Car Wash You live in Florida Fuck off PayPal Amazon

Starting point is 01:31:35 Oh A fee, some fee PayPal Oh, good Yep, overdraft You overdrafted Last month Oh fuck you didn't even know Like I deposit my checks on a Tuesday

Starting point is 01:31:54 Two Sorry sorry sorry two times He overdrafted twice Last month Or in the year? Last month Okay You overdrafted

Starting point is 01:32:08 Three times last month Two I don't know why I keep seeing Two times So that you can door dash And go to KFC And tickets And not pay more towards our debt

Starting point is 01:32:22 Yeah Yeah Those tickets Got sold on Stubhub So Single Cat Lady Headed to her mid-30s Who would have thought

Starting point is 01:32:30 Like 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 three-burner gas grill, or get $50 off to select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th.

Starting point is 01:32:57 Exclusion supplies to home depot.com slash price match for details. is a complete disaster. I know it's since I was born. Huh? I know it would happen since I was born. Why? I don't. You had a boyfriend.

Starting point is 01:33:11 I was honestly mostly just joking about cat ladies. That's not even true. I had a boyfriend for seven years and then he destroyed my credit. Okay, that sucks. But either way, I was mostly just making a joke about cat ladies. Like, that's not even true. Like, I don't care. You can be single.

Starting point is 01:33:26 I have a single, women and friends who are doing very well. That's not a bad thing. Who cares? You do whatever you want to do. I don't give a fuck. But my goodness, you're living up to the stereotype. Steak and Shake Wendy's so that we can overdraft our checking account.

Starting point is 01:33:41 Apple Bill, KFC so that we can overdraft our checking account. PayPal money going out. And then we overdraft our checking account. Oh, great. Wonderful. I don't know, dude. Good luck. Yeah.

Starting point is 01:33:56 This is one of the, I'm going to make a budget. But it's one of those where I don't think making a budget even matters. Because, like, you will make every excuse in the world. to do something because it's slightly difficult. But if you want to do something, like we saw, you'll do it. Well, I have my mind set up right now to get this handled. So I think that's for the next 30 minutes. Total income, we're going to say $3,000 after your side hustles

Starting point is 01:34:18 and setting aside a little money for taxes from those. Debt, minimum of the payments. Let's get that. Let's not include the student loans. We don't know what that payment will be when it hits. I don't know. We'll find out. Won't be good.

Starting point is 01:34:32 Debt minimum with the payments, $795. and $3.30. Crazy. What's your rent? Rent. Just rent. So it's $1100, but then I pay. Yes, yes, yes. I know you do other things. I'm asking just rent. $1100. F-kin knew you were going to do that. Okay. Now what's your utilities? So the water trash. Oh, come on. You just don't do the fold. It's $200, no, $130. Okay. That's not with electricity.

Starting point is 01:35:01 Gas, room, from drive, drive, that's now with electricity? Add electricity. Okay. It's about 80 bucks on top of that. Okay. So, 220. No, sorry, 210, right? Yeah.

Starting point is 01:35:17 Okay. Gas, room, room, drive, drive. Like $100. Now that I'm more than that. Phone bill. Phone bill. $25. Car insurance?

Starting point is 01:35:27 $200. T.P. Fund. Anything else you need to survive? $100. Necessary food, not much. $300. This is our cookbook. get it for free. Once they get in, there's a delay in the shipping, but they're almost here.

Starting point is 01:35:41 Medical bill, co-pays, things like that. Anything? Doctors visits are $5. How many a month? Probably, two, four or, no, wait, two, four, eight. Doctor visits? I go to the chiropractor twice a week. That qualifies? Okay. Well, that's $5. That's medical. Right? Yeah. Yeah.

Starting point is 01:36:04 Okay. And my medications are zero, right? right now unless it's a different tier. You said it's $5 per doctor-to-vis it? For specialists, yeah. Okay, so only $40 in copays a month? Yeah. Okay, that's it for your medical?

Starting point is 01:36:15 Yeah, for now. Okay. Subscriptions, no. Cat, age, and health? My cat is just turned 13. She's in great health. Okay. No pet insurance.

Starting point is 01:36:25 Won't qualify. Have food. How much? Maybe. Can I buy a big bag and it lasts like six months? So that's like $40. Okay, 40 divided by six. Okay, seven bucks.

Starting point is 01:36:37 Yeah. Anything else that needs to be in your budget that I've not put in your budget? Trying to think, just those, the cherry things. No, I think that's about it until my student loans hit. We'll figure that one out on a different day. Yeah, you really have no wiggle room if you don't work anything extra. You're actually under by $100 if you don't work anything extra. But if you do get up to $3,000, you actually do survive, but barely.

Starting point is 01:37:06 But basically no wiggle room whatsoever. $122 and $7. sense, to be exact, in wiggle room. So, let's see, 616 months. Have you off that? Or 51 years. So, here's the reality. And this is kind of what I knew is coming

Starting point is 01:37:28 from the beginning. The reality is, I mean, it's got to suck it up, take advantage of the accommodations, go to a school, community college, whatever you can do that offers the programs that you want to do and actually put in the work and the time and find the accommodations that you can, put in the effort, the amount of effort that you take to go over the step, to go to a rave, to do a trip, to go to a fucking vortex or whatever, whatever you do that amount of effort, just put even half of it into just trying to find a system that works

Starting point is 01:37:54 for you, even if it takes you twice as long to complete school. We need to boost our income. If we're going and we're borrowing a little bit more for school for the long-term life, I am okay with that. But you need to boost your income. We've got to get to at least $30 an hour, even if that is starting a whole brand new career through the certification or just becoming an entry-level desk person somewhere and working your way up or working a second job.

Starting point is 01:38:14 working the McDonald's, something on the side. You got to bring in more money. Those are your options. Once you're bringing more money, then yes, pay off the desk, small, just no spending on them whatsoever. That is not involved in David's. And David's little snowball.

Starting point is 01:38:27 He didn't invent it, but either way, just because you're watching the DVDs. Yeah, that was a while ago, too. And then we got to start catching up on retirement. You've got to get a six-month emergency fund and catch them from retirement. But you need to focus on either school or picking up a second job.

Starting point is 01:38:41 Those are your two options, school or second job, or go through bankruptcy. But you haven't changed your behavior. So bankruptcy would just hurt you in the end because you would get back in the situation that you're already in with credit and not getting in apartments and a lot of different struggle things.

Starting point is 01:38:54 So if you do go through bankruptcy, you at least prove that you can live this lifestyle for three to six months, change your behavior. I don't know, man. But bankruptcy for something. I don't think you're going to do anything that is slightly inconvenient to you. You're going to find an excuse to not do it.

Starting point is 01:39:09 I don't think so. My mind is definitely to the point. For the next 30 minutes. No, I flew out here for a reason. I'm definitely here for it. I hope so. Come back on the financial audit follow-up channel. I gave you a path forward. Yeah.

Starting point is 01:39:23 They're relatively simple paths. You just have to figure out which one you want to choose. Do one of them. Come back on here in six months and the follow-up channel and prove me wrong. Spending in a budget, you technically spent under what you make, surprisingly, but none of it went towards anything productive. So two out of ten. Debt, it's bad debt. You know, especially for your income situation, it's not the worst.

Starting point is 01:39:42 dead in the world, but it is a two out of ten. Emergency fund, nothing zero out of ten retirement, nothing zero out of ten. Hammer Financial Score rounded up to a one out of ten. Guys, join us in the post show. Maybe I'll call the roommate. Maybe I'll do something else crazy, but we always find extra drama, something crazy that we couldn't talk about it in the main show. So make sure you join that.

Starting point is 01:40:05 Hammer lead is the best membership on the entire platform. The top, the head people at the platform have told us that themselves. So just join it. Really helps support this channel. It's incredible. See you guys in the post show. If you don't want to be like this guest, by the way, or any guest, no offense to you. Just download the budgeting app.

Starting point is 01:40:20 Sign up for the annual version. I'll sign the cookbook. I'll mail directly to you. See you in the post show. Bye. Why do you owe the $1? Spent $3.000 on $1. Last month.

Starting point is 01:40:32 She told me, yeah, I booked a festival. I'm coming back in October. And then I have a festival in November. What are you doing? You are negative money on a lesson basis, chairman. Are you still planning on going? Yes. as long as I could find somebody to come with me.

Starting point is 01:40:53 There should be no yes. There should be no yes. Clusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. 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.

Starting point is 01:41:18 Fit for your ambition. First Citizens Bank.

Financial Audit - Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

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