Financial Audit - Delusional Lady Destroys Life To Hurt Her Ex | Financial Audit

Episode Date: December 20, 2024

#sponsored Try  @YouTube  Premium for 2 months free by clicking the link! http://youtube.com/premium?cc=calebhammer&utm_campaign=ytpcreator Individual Premium Plan. Monthly paid subscription. Price per month varies. First 2 months free. Terms apply. Cancel anytime. ▶ She loves Taylor Swift & thinks Taylor knows of her existence.. AND her relationships are TOXIC... she literally throws weapons at them, I need to call and report her watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Join us for the first-ever Financial Audit live in Austin, TX: https://calebhammer.com/live ▶Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ ▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Learn more about your ad choices. Visit megaphone.fm/adchoices

To watch episodes of financial audit a week earlier, check us out on YouTube. Taylor Swift's shop. That's an expensive hobby to get into. That's recurring. Reoccurring? She's already a billionaire and you're poor, so why don't you take care of yourself? She's like my favorite. So I'm...

Favorite what? She doesn't know you exist. I like to think she does. She doesn't. I grew up with her. She's just a few years older than me. So, like, I just... We grew up together and...

Financial Audit Live in Austin, Texas on February 22nd. Go to Caleb.com slash live or check out the link in the description below. Hi, my name is Lauren. I'm 31 years old. I live in Fort Worth, Texas, and this is financial audit. I'll be honest, it's not normally a good sign when a girly comes on with her girly Starbucks drink to the set room of the show talking about typically cutting back in order to make sacrifices. Usually not the best sign. What do we got there?

What do we have? Starbucks. Well, no shit. What do you have in your Starbucks drink? Oh, it's a green tea lemonade. Okay, definitely something that's impossible to make it home. Lemonade and green tea. All right, y'all.

If you want to experience financial audit in the most seamless, convenient way possible, you got to get YouTube premium. I know my episodes are long, and a lot of you like to listen on the go. YouTube Premium is absolutely perfect for this. How exactly? Simple background play. Keep the videos you're listening to going in the background when the screen is off or well you're doing other things.

things like managing your investment accounts. You can also download videos to watch anywhere. And all of this is with no interruptions and ad free. That means you can listen to any of your favorite YouTubers while you're on the go without worrying about your phones auto lock disrupting your flow, aka that means uninterrupted financial audit all the live long day. I've literally had YouTube premiums since it was launched and I can never go back. Want to try it out? I've got a special link for a two-month free trial of YouTube premium. Check it out in the description below. If you subscribe through the link in this post, it helps support the growth of the channel. It's better at Starbucks. I'm sure it is. I'm sure there's 10 times as much sugar.

Okay, well, thanks for coming down, though. I do appreciate it. I know it's a long drive, so you got probably how you excused that spending. What do you do in Fort Worth for a living? I work in boutique construction sales. What the fuck? Okay. What even is that? So I work with customers whose homes are a million plus. Ah.

And we, I mostly focus on windows and like big door systems. Okay. Stuff like that. Cool. What do you make? I, um, salaried at 66 a year. Okay. And then, uh, I also do earn commissions, but I never like, I earn commissions, but I don't count on them.

Well, okay. what's like a normal monthly commission amount? Probably like 600. Okay. Maybe about 600. Is that what hits your account or is that like extra before taxes? That's what hits my account usually. Okay.

So an extra $7,200 a year hits your account. That's not bad. Okay. When you say it like that, yeah. But it's just... When I say it like numbers? Yeah, it's not guaranteed money. Well, I said what comes in on average for a monthly basis.

So we can kind of average that out. that up right yeah higher yeah it can be higher sometimes if I have a good month sometimes yes then you average it out yeah so it's safe to say an extra seven thousand two hundred dollars hits your account on a yearly basis or else like you know 600 is like averaged because someone's yes can we say seven thousand two hundred dollars hits your account on a yearly basis yeah like we need to be able to get your numbers yes yes yes that's the math yes okay I just haven't done that math. Why would you not rely on such a substantial part of your income? I'm confused. Because I like to have hobbies. Because I like to have hobbies. What does that mean? How does that

even answer my question? I don't, I budget my regular paycheck for my like necessities. And then I budget my commissions for my, my hyper fixation hobby. Your what? My hyper fixation hobby. Your hyper fixation hobby. Yep. So you're endlessly, are you someone that's endlessly into something like crazy for a moment? Then you fall off it and then you're in the next thing. Because that sounds like an endless revolving door of spend, spend. It can be that way sometimes. Sometimes, well, is it, you call it a fixation hobby.

Well, I'll get like really into one thing and then I'll move on to something else like six months later. So what I literally just defined. Yeah. But it's not like for one month. It'll be longer than that. Okay. I'm so confused. I mean, we've had a couple episodes now in a row where people budget based on the different kind of pays that come in instead of just like the income that comes in regardless.

Like, why aren't you budgeting in terms of just your total income and then decide where money goes based on that, based on our goals, objectives, and current financial situation, which is not a good financial situation, which is why that purchase was probably bad. But why would our bonuses not be going to that? I think a pretty good hobby is getting out of debt. That's a good hobby. Well, actually, speaking of hyperfixation, you've gotten out of debt. So you've hyperfixated out of debt. Yes, I have. And then you're hyperfixated dropping out of the Dave Ramsey program.

Now you've hyperfixated going into debt. Yeah, that's pretty accurate. I did Dave Ramsey a long time ago. What's a long time ago? Not that old. 20-21. Okay, I don't think you know it a long time. time ago it was, but three years ago? Yeah. Why are we here then? Because my situation changed and I just

started, I got, I, I, I did Dave Ramsey in 2019 to 2021 and I was in like $37,000 of debt back then. It is a lot. It is a lot. And there's a lot of reasons why, but I got myself out of it. And then I saved for, a long time and I went to college. I took two years off. I went to college. I got a bunch of degrees and certified. A bunch of degrees. Yeah.

It's a bunch of degrees. Well, I got like my BA and then I got a minor and I was pre-law, but I didn't go to law school. And then I got. And then I got certificates. So you got the normal degrees. Yeah, I guess. And then I got. Do you think everyone's getting a bunch of degrees?

I mean, sometimes, sometimes. Yeah, but you're just graduating like normalism and getting up. Okay, and what were your certifications? I did a legal studies certificate, a data analytics certificate, and I got my CAPM, because I want to get my PMP for project management. What are you trying to do with the law and then tech? I'm very confused. I don't know. And my BA is in political science.

Yeah, I mean, a lot of people do that before they go into law school, and it sounded like you were setting yourself up for. law school. Yeah, but I'm 31 and now I just don't want to be in school for six more years. So I don't blame you. And the expense. Well, what do you want to do? No, what do you want to do? I haven't decided yet. I want to. You're not 21 anymore. No, I'm not. Listen, you have to do something at some point, even if it's not a dream thing. Because if you don't, you end up in this situation constantly. Yeah. The situation of being in really, that. Missing Payments. Bees.

Dave Ramsey, when I was like, when I went through Dave Ramsey, that was like, I never had any financial literacy before. Congratulations. Welcome to the American Experiment or Human Experience. Yeah. I just. What everyone goes through. I just kind of spent and spent.

And then I didn't know how I was going to go back to college ever. And I was. Was your plan when going through that program to go back to college? Yes. Be able to take two years off of working. It's not like they don't talk about how to do college. I think they go about it in a little more extreme way necessarily, but if you were going through the program,

you would have probably followed that. I believe you've done the exact opposite. I have student loans in here. Yes, I do. Which I'm not necessarily as opposed to as a tool. But I know if you were actually going through that program, you wouldn't have taken out student loans. So I'm a little confused.

You can't blame that. What are you doing? Well, I didn't have like a lot of, like I didn't have enough money, saved in my savings to cover the last semester. Right. So you weren't going through that program, though. And again, I'm not necessarily opposed to that. Mm-hmm.

But you're blaming the program. It wasn't the program. No, I just, like, I was young and I, like, I've been on my own for a long time since I was 16. Okay, two years before most. Yeah. Sure. I moved, like, I'm from Alaska and I moved to Texas by myself.

and why just to start over to go to college. Why is 16? No, when I moved to Texas when I was 20. Why were you on your own at 16? I had a much older boyfriend who I wanted to. What's much older? He was 23 when I was 16. Okay, well, I thought you were going to say like 40.

If you said much older. I mean, is it an appropriate? Yes, of course. Yeah. You know, when you say word much, also like when you said a long time ago, three years ago, it's like, okay. I see you are obviously an over-exaggerator of things. I moved in with him and I, my mom and I were not like getting along and stuff like that.

And she was a single mom. Like I was just done. I'd been an adult for so long. You moved in with him, okay? Yeah. And I like had my own life and I did my own thing. And we just smoked and played video games. And I thought I was an adult.

Yes, that's what adults do. I just, I just lived my life. And then when I was 20, I decided we had. I'd split up and I decided I was moving to Texas to go to college. But I had no financial literacy. I had no help. I had no, I had nothing teaching me how to be an actual adult. So I just started taking out credit cards.

You look up anything? I mean, yeah. I didn't have financial literacy either. But then I pursued it by trying to read things, listen to podcasts, whatever I could do. Google, understanding. Now I have that. And I. What are you talking about?

No, you don't. But I don't make good choices all the time. Then what's even the point? I want to get out of debt for once and for all. How would this conversation change that? Because you went through the program, then you're blaming the program, then you got back in debt. And now, and it's not just student loans, it's just student loans. We probably wouldn't be having this conversation.

It would be too boring. That's true. Okay. So what are you talking about? Want to get out of debt once in for all? That's okay. That's a good thing. Actually, that's great. Woo.

Wonderful. But what is different this time? Because none of it matters if we just end up here again. What is the point of putting in that massive amount of sacrifice again if we just end up right back here? Because I'm older now. I want to like settle down and I want to like have a family and I have nothing. You have a boyfriend? I don't anymore as of like a week and a half ago.

We, we split up. So I'm single again. And that's part of this. Like I want to get my finances under control because now I'm in a single income and I have to move. Do you have a kid? No. No. Wait.

Okay. Settle down, want a family, but we don't have any of the. Yeah, I'm starting over again. I get that. That's okay. That's okay. I thought I had found my person. What happened?

Well, um, turns out that he was like way more conservative than I thought he was. And, uh, what does that even mean? I could not see myself ending up with somebody that was such a Republican. I couldn't, I couldn't do it. Okay. So you guys disagreed about politics? Yeah, among other things like religion and like how to raise kids and a couple other things. Sounds like you guys were completely incompatible. Why are the, how long are you guys together? Okay, so we knew each other for 12 years almost. And then we were friends for eight of those years.

And then last year, we decided to give it a try. And we thought we could. So one year. Yeah. We thought we could give it, like, we thought we could give it an honest effort. And like. An honest effort through being completely incompatible and not agreeing on any kind of, what was the kicker? I told him, like, I couldn't do it anymore. And I couldn't, I didn't know if I could handle it anymore.

But I made him kind of put the final nail in the coffin, if you will, and do the final breakup. You made him? Yeah. Because I wanted to keep trying. I wanted to keep, I wanted to keep. I wanted to keep, like I wanted an option for compromise and I wanted an option to build a life together and all that. And he was like, yeah, I think we're just better as friends. We're too different.

It's, it's over. So now when we share a house and utilities and you guys are still renting together and everything. Yes. Yes. Well, we, yes. How have your finances been impacted in terms of this? Well, now I have to find a new apartment that's going to cost more than my half of the rent. and I have to start paying all the utilities for a new apartment by myself.

That's going to be a lot more money. What have you guys discussed? Because this is going to impact everything we're about to go through. We have to be out of our house January 5th. It's coming like two seconds. Yeah. Well, originally we were going to buy this house from the homeowner. We're renting directly from a homeowner, not an agency or anything like that.

Okay. And a pipe burst under our house in late October. And then we were supposed to sign on December. 17th to buy the house out from the homeowner. You guys were going to buy it? You weren't married, correct? No, we were not. We were actually supposed to be getting engaged this week.

We have the ring. Supposed to be getting engaged. You were planning an engagement? Yeah. It wasn't even like a no one proposed. Not yet. Okay. But you knew when to,

okay, whatever. After only dating for a year and being completely opposites in total in terms of values in life? Yeah, pretty much. Sounds like you go through life very responsibly. Okay. And? So we were supposed to buy the house.

And the homeowner decided that he wasn't going to sell it to us anymore because we wanted him to fix the pipe. And so he said, yeah, I'm not selling it to y'all anymore. It won't pass an inspection. I'm selling it to the city. And y'all have to be out. So now we have to like that happened and we're breaking up. And it was like a. So what's the plan though?

I am going to have to move into an apartment. That's it. Yes. That's it. Yes. Okay. Okay. All right.

Self assessed. We're about to get into the docs. Where do you think you are today? Zero to ten. Zero being the absolute worst, ten being the absolute best. Where do you think you are today in your entire financial situation? I think that I'm like a four. Realistically.

You just went back into debt after getting out of debt. And you're talking about not being able to afford a place on your own. In what world would you be almost straight down the money? the middle. Because like I don't have a, like, I'm not insanely in credit card debt and like, I don't. I think having fees up the asshole would count as pretty damn bad, regardless of you have a thousand credit cards or not. How but you make payments on time? And then we call it being okay. Yeah. You call yourself okay. You miss payments? I don't know if I've missed any payments. I don't know. Maybe I have. You don't even know. So how could you give yourself a,

so confidently, a four. You don't even know. I just thought I wasn't that bad compared. Compared to the homeless man on the side of the road. Maybe not like that bad. But, you know, I, like, I, well, I don't have any retirement. And now I don't have real estate either. But, like, I made.

You didn't have real estate. I didn't. I didn't have real estate. I'm not sure. maybe not a four if you want your hammer financial score it's linked it's fun it's free that's in the description below

and if you want to come on down to Austin Texas come on down we'll have you on the show it'll be a good time we'll have fun and then I'll verbally give you some punches and it'll be a good time and go to calebhammer.com slash apply thanks for being here by the way I think I thanked you at the beginning

but regardless thanks for being here and I know it was a decent drive and all that stuff so so what is going on with this Alaska mileage band Bank of America card. That's my like everyday card. I just put everything on there all the time pretty much.

Why would you do that if there's interest accruing? Why the fuck would you put everything on there every day? Well, I thought that was how you were supposed to do it too because I'm like building. Building credit. You're 31. Listen, you do the 18, 19, 20. I don't know anything about finances. Fine.

You've been through a lot of life. You've paid off cards. You've gone through education. You've gone through literal education. from the, from the Ramsey people. So that doesn't make sense. You know that's incorrect. Or you were just stupid while you were going through it all.

Or you forgot it all. Which one was it? I think I mostly forgot it all. No, you don't forget something as basic as that. Come on. Oh, interest is bad. Oh, I forgot. What?

We went on a big family vacation in October. And I put a lot of money on that card that I would. Where did you guys go? What'd you do? We went to Florida. We went to Daytona Beach and then we went to Universal for a few days. Why'd you go when you're drowning in debt? Because I have to go.

No. Do you want like, I'm in love with Shrek and they have a new Shrek area at Universal. That's not cute. Shut the fuck up. I don't care. You can go to Universal at any time. You're at 31.

Why are you acting like your 13? Because I like to have fun. I have a countdown on my phone to Shrek 5, the movie coming. out. That's cute. That doesn't mean we go into, I'm confused. Have you ever been to Universal? Have you ever been to Shrekland? No, Shrek land just opened in May. So you had to go. No, but we went like all my friends. You're not a Disney adult.

You're a Shrek adult. Yeah, I'm a universal person. Not a Disney person. Cool, but does that, listen, I'm confused. That's okay to be into something. That's okay to be into something and have a passion, right? Yeah, absolutely. But does it make sense to go into thousands of dollars into debt on something that is

accruing interest and things that have missed payments? Late payments. Does that make sense? No. No, it does not make any sense. But I... Then why would you do it? Because I wanted to take care of the people that took care of me while I was in college. Who would you take care of?

So, well, I went with my best friend and her husband and her daughter and then me and my boyfriend. But why? You're not in a position to take care of them. Why not get out of debt, have a fully funded emergency phone to make sure we're decent on retirement and then treat them? You don't get to treat people if it's yourself. I didn't think about it that way. I just wanted... I graduated in December of last.

last year and we wanted to go somewhere. You just graduated recently. Yes. And I wanted to do something that was really nice. When did you go to school? He said you moved down here and to school. It took me, it took me 10 years to graduate.

I went off and on. Oh my good death. I went off and on and I paid for, I went to community college. I took a class. You went to every college, apparently. I took a class where I did 10 years. Sorry, go ahead.

I took a class when I could pay for it and I changed majors a couple times. And I took some time off. Like I did take a couple some, like, you know, when I caught before. Why are you delaying this whole thing by a decade, though? Because you just, you lost the best decade of your life for compound growth in the marketplace. You're literally fucking your retirement by doing this. Like, it becomes not worth the cost of that point when you elongate it that long and then lose any time in the market. Yeah, and I did have a 401K.

What do you? Did? Yeah, I cashed it out. I mean in a tum. I'm eating a tum. Why do you? Why? Why?

Why did you cash it? Because I wanted to do the finance, when I was doing the financial piece thing, I wanted to pay off the last of my debt. But you weren't doing it because he doesn't say pull from a 401K. I thought he did. I don't think so. I, oh, maybe I did it. I know I stopped contributing to my 401K. Yeah, he says that.

When I was going to quit my job to. When did you go through this? It was 2019. How did it go so? fucking a lot for you. Did you attend? Like, what did you? How did it go so wrong from you for you?

I feel like you listened to half. I went to like a YMCA every Wednesday night for an hour and a half. And fucking went to sleep? I thought I was following the program. How do you think you're following a program without following the program? Like, I'm confused. You objectively didn't. He's against student loans in every way of fashion.

I don't necessarily agree with that. I didn't get a good return on your investment with low cost, low interest. federal student loans, as long as you're doing an inappropriate way with a good major community college first. But he's against that. You did it. So you didn't follow the program. And I do not think he says pull from a 401K. I know he says stop contributing.

Yeah, I stopped contributing. But you were following it. What are you talking about? I thought I was. No, but how can you think that? I'm so confused. How can you think that if you were not at all? I'm pretty sure that Dave Ramsey, the financial piece said to pull my 401K.

I'm pretty sure. No. I mean, just, I don't even know what to say. I mean, I haven't. I don't know. Maybe I'm wrong. I mean, that was years,

I was a few years ago. So maybe I'm wrong. But I thought that's what I needed. Like my last big debt was my car. No, you took a shortcut. He's typically against stuff like that because, again,

you didn't make any sacrifice to change any behavior to pay off your debt. If you're pulling from a 401 kid. It was just my, much was pulled from this. Oh, it was only like maybe $1,900. I didn't have like a substantial... That would have been $4,000 by now. Yeah.

That would have been like $50,000 by retirement or something. Yeah, I understand that now, but I didn't... You would have understood that going through that program if you actually paid attention. That's what's irking me is you say you went through it, but you're doing things now and then that were not in that program. and I'm not even like defending the program. You just, what you're saying makes no sense. This is huge for financial audit.

For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then, teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and

even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. I didn't know that. I thought, great. I'm sorry. I thought I was- Did you know anything ever? I mean, yes. Because you're like, oh, I had no basis of financial

education. Then you actually tried to learn something. But then you did completely the opposite of what was taught in the financial education thing. So it's like, if I give you our budgeting, investing, Are you taking the classes, the quizzes, and then you're doing the opposite of it? Is this how you operate? No, I want to do it like I want to do it now and like set myself up and get invested. Because I'm older now and I have like understanding. That means nothing. I know mature 24 year olds and immature 55 year olds.

That means nothing. That means nothing. It's what you're doing, your experience and your maturity less about how long you've been here. Yeah. So what is different now? Well, yeah. I mean, you already answered it. And that's not a good answer.

I want to have, I want to set myself up for a better. I have very small 401k. I want to like start investing heavily in that, pay off my debt as quick as possible. And get back on a big, I, I want to. Because of Shrek? Because of Shrek's fucking giant green. No, I wanted to take my friends. I'm sure that thing's, I wanted.

I wanted to take my friends and I bought fast passes for everyone. You both, wait, how much did you spend on this trip? When was this? The beginning of October. Like two seconds ago. Hold on. Hold on. Okay.

Multiple questions coming from this. Sorry, I want to let everyone know there's $10,475 on here and a minimum fee payment of $2.23. I realized I didn't say that. Multiple questions from here. You literally just told me you want to get out of debt. You want to get retirement. This was a month ago. No way has your insurance.

entire life structure, mindset, goals, everything changed in a month. So that has to be incorrect. You have to be bullshit or you're vaguely just starting to want to and you're pretending like you actually care about it. And two costs. Well, we booked the trip back in like June.

I don't give a fuck. That's also not that long ago, but how much of this cost? How would you answer either of my questions? Well, the fast passes were like third. The trip. How much and everything cost? The whole trip I probably spent $4,500. mind you

to survive to survive you pulled out 2,000 from your 401K but you're willing to spend $4,500 on Shrex ass- I didn't think of it that way I wanted to take care of the people Again, and that's why I asked you think about anything

ever the correct way and then you got a little insulted but just look at that. Come on, look at that answer. Yeah, it sounds bad. I mean $3,600 for fast passes was part of that and I had a great time and I got to take care of the people who took care of me while I was in school. I get that. That is a fine mindset and I am not against your mindset of caring us and kindness.

It is how you did it. Do you understand it is how you did it? Absolutely. Like, yes. I wouldn't do it again, I guess, but at the time, I just wanted to have fun. So on here, you literally purchase $2,031. Why are we doing that when it is accruing $120 in interest? That's the card that I swipe for everything. So even my... I get that. I'm asking why you're putting it on this card for a fuck take.

Come on. You already gave that answer before. Because I get Alaska Airline Miles and I go home. So for every dollar you spend, you get miles back. miles back. Yeah, yeah. And like certain... What does that cash back come to typically?

I don't know what it equates to exactly. You're not the thing. You don't even know how the math works? No, but it's expensive to fly home. It is expensive to fly. Having this credit card is $120 a month expensive. What are you talking about? Well, I just don't really...

I mean, I just want the airline miles because then I don't have to pay... It's like $1,200 to fly home for me. So I want to be able... Like, if I earn enough airline miles... and I can go home for free. It's not for free. You're paying $120 a month to have. How much is an Alaska Airlines ticket?

Booked months in advance. Like $1,200. $1,200. Yeah. And how often do you get a $1,200 flight for free? Well, I normally go home like twice a year, at least. And is it fully free? Yeah.

$1,200. So you get $1,400. You get $2,400 of flights for free a year. Yes. Well, yeah. Usually you have to pay like a little bit of a fee. What? Like a $12 or $14?

There is no way you're beating the interest on here. There is no way that the miles and everything that you receive is a 60% return on your money. Because this is probably at 30% and you are achieving $120 an interest on a monthly basis. There is no way. You have to be incorrect mathematically. There can be no world with that as a reality. But this, I don't normally carry, well, no, I do carry a balance on that card. Yeah, there's $10,000,000 here.

What do you do? I don't. What were you about to say? I was going to say that it, like, I put everything on it because I get the airline miles. You already said that. That's why I do it. That's why I do it. Yes, but I'm trying to say that you have to be incorrect about the return on this.

You cannot be getting that $2,400 in flights a year. That is impossible that you are getting that because there is no way that they are giving you a 60% return on your money. Because you are losing 30% on here. Your math is not mathing, dude. I've never done the math. I don't think I... Well, no, fucking shit. That is the most clear thing,

and that is the most correct thing you've said so far today. I just, I didn't know that. I just look at the... I know what, which one? The benefit, I just, you, the benefit of having the Alaska Airlines, you get a companion pass to every year. So you get to do a buy one, get one free plane ticket

with that credit card every year. So that's, I... This sounds like a... a great credit card. I love this credit card. This credit card has a great benefits. You are not getting the return on it, though. You are paying essentially $120 a month in fees to have access to this credit card. And there is no way, there is no mathematical way that if you were paying that on a monthly basis, that you are reaping double that reward. There is no way that everything, no credit card would exist if that is the case. And that's the only way for what you

said is doing you're doing to be true is if you beat the game unlike anyone else in the history of the world i didn't know that no what there was the fees on there oh is it's just the interest it's the interest okay yes the interest yes yeah i get that now it's i don't i just didn't think about that. Like I like I get, I keep the card because I have the benefits of the airline miles and the companion pass and, hey, I want to let you know a little thing. I don't know if you do this in every single conversation. Your entire way out of being pushed back on anything is I didn't think about that. So far in this entire conversation, the moment you get pushed back and you realize, oh, maybe I'm not right. The only thing you've ever said in this conversation is once you get to that

moment is I didn't think about that. And you are not going to get through life on. I didn't think about that. I'm calling bullshit on that now because that can no longer be exactly how you're living every second of your life. I will excuse that for maybe one thing, but you have said that now about everything the moment when you finally realize that, okay, hey, maybe I'm not actually getting the return I thought I was getting. And then you're like, I didn't think about that. You've said that like four or five times in this conversation so far. And I'm not trying to be a dick, but that is absolutely ridiculous. And you were going to fucking like die and starve in life. and then you're going to be, oh, I didn't think about that.

I didn't drink water for two days. Now I have to get hospitalized. Oh, I didn't think about that. That is not how this is going to work. And that is your entire excuse around everything so far. And that is unacceptable and that is not a way out and I'm not going to let you off. Okay. I.

Okay. I didn't. Okay. What? I. Say your words. I don't. Like I did the, I did the, she's really struggling not to say I didn't think about it.

No, no, no, no. I did the, so I did the financial piece, right? And I don't think that I understood, like, I did close a lot of credit cards and I took, you know, a lot of stuff. Did you not think about financial peace while you were doing it? What? Spending that $10,000? No. No one going through financial peace.

I didn't get to the later baby steps. I haven't gotten there yet. Well, no, she refused to get out of debt because I haven't gotten out of debt again. Yeah. complete the program? Like I did all eight weeks or whatever of the class, the classroom stuff. I don't know how it works. I think there's... Did you complete it?

Yeah. I just didn't do all the, I haven't done all the baby steps because I didn't get there. Because you refuse to leave what I think is considered step one. You have a thousand hours in savings? Yeah. I have a thousand dollars in savings. Okay. So you made it to number two. Right, Dave? Am I doing this correct? Well, and you're checking account. Are you considering it that? set aside. Yeah, that's my, that's where I keep my, like, liquid cash. Yeah, liquid savings. Liquid

cash. That makes no sense. There is actually money in there. But again, you're just letting sitting there. I'm confused because you could, again. Because I get scared. Scared of what? Like it not being liquid or not being. It could be liquid. Dude, if you put it literally in, it could be any high old savings account or Moomu. It's an app I used to invest, but you could literally sit it in there uninvested. And I think they're uninvested cash for the first three months or 9%. You can get it out whenever without a fees? No, no fees. I didn't know that. You're not going to get through life being afraid or I didn't think about that or not being able to look it up anything yourself. I'm confused because I feel like, gosh, I'm really sorry. The conversation stack and I've

just had a lot of people that are like, oh, you know, I'm 30, whatever now. And it's just like, I came from not knowing anything about finances. That's everyone in the United States of America. And honestly, the world that you get born. You get bored not knowing anything. And then what you learn is what you're learning. If you didn't learn it, you know that finances are a part of your life. You have the ability to read a book, go to a library,

library, Google things, listen to a show, and then you signed up for a program. And then you still didn't even help. So I'm confused. Like, that can't be an excuse throughout the, rest of your life is I didn't know anything about finances. You've had over a decade of almost a decade and a half of adulthood now. Fick it, since you left home more than a decade and a half now. That's true. Okay. Yeah. So it's all on you at this point. All on you. I think it just hasn't been a priority. Why? Why would it not be a priority then? Because I just wanted to do what I wanted like this.

I wanted to spend and I wanted to go on vacation and I wanted to do other things. Like we got into this house this this year and we had a lot of you know furniture to buy and a lot of things to buy is no one willing to live scrappy anymore no we did down here I lived on an air mattress for like seven months while I was fighting to get out of debt we tried to like I we got a couch from family and some dishes and stuff but there's still like if you try to how do you fail it trying to not buy furniture the only way to fail it that is buying furniture yeah that's true because I wanted to buy like some nice like you're trying to get out of things so easily i wanted to i wanted curtains and i wanted a coffee maker and we needed do not realize this about your personality one one bad thing i have a

couple bad things about my personality i'm a bit abrasive i interrupt a lot and um i play devil's advocate a lot one thing about your personality let's just call out our red flags real quick you immediately try to get out of any kind of pushback and excuse yourself because i said why couldn't we live scrappy for a bit, you said, I tried to. That is not correct because we immediately discovered that you wanted to go buy all this extra stuff. You didn't try to. Are you a small business owner stressed about cash flow?

Well, keep listening in, because this could change your business. There's nothing worse than staring at your accounts, wondering if you have enough to cover payroll or rent this next month, especially during Q4 chaos. That's where today's sponsor, Relay, comes in to save the day. Relay is the banking platform that actually makes sense for small business owners. Using the profit-first method, Relay lets you open up to 20 checking accounts. That means you can sort every dollar into buckets, payroll, operating expenses, taxes, or even the most important for your well-being, your own paycheck.

No more surprise you're broke! With Relay, you get real-time clarity on your cash flow. And the best part, there is no monthly fees, no minimum deposits, and definitely no awkward bank visits. everything right from your phone while you sip your coffee from home. And as an added bonus, Relay and Profit First are hosting the $25,000 cash flow-up giveaway. One lucky business owner is walking away of $25,000. It's simple. Just sign up for Relay and deposit $100 or more into your new account by December 31st. And just like that, you're in the running. And even if you

don't win the $25,000, using Relay sets you up for better cash flow management in 2024. And when you sign up at Relayfi.com forward slash Caleb Cashflow using the link in the description, they have a special $100 bonus just for you. And let's be honest, your business deserves that kind of glow up. Join Relay to take control of your cash flow today. Sign up at less than 10 minutes using the link below. You didn't try to at all. Well, I mean.

If you don't accidentally stumble into purchasing a shi-town of furniture, that's not how that works. Well, I mean, we did, though. Like, we did get furniture from family. Sure. That's great, but then you still went and purchased furniture. Yeah, we needed a couple of other things. What did you need? Well, we have a lot of land, so we spent like $2,000 on a riding lawnmower.

Yeah, we have like almost four acres. Wait, how much on this riding lawnmower? It was $2,000. Oh, for $5. It was used. It was a used lawnmower. What are there furniture? You said furniture.

Well, we needed, like I wanted a home gym. Wanted. That's not, you, you have, you have, you have. multiple acres stuff in frolican. I wanted, like patio furniture. Wanted. You keep saying wanted. You did not need,

but you did not need patio furniture. We needed curtains. There were no curtains in the entire house. You could go very cheap with that if you wanted to. Yeah. Actually, you know what I used in my new home for a while? And I don't recommend this because I could, I could afford it.

But I literally used the fuck. No, like, the, um, that's, had some used stuff that you put behind people when you take pictures and I just put that like a backdrop you just put backdrops over your windows I didn't feel like spending money for a little bit okay I mean now I didn't need to do that but it shows that you can be scrappy that's true I'm not saying you had to do that but come on the patio furniture it was important to me for the house to feel like a home

sure you build up to it you did not need that immediately I wanted to feel settled I know what you wanted, you just told me, you did not need that immediately. That's true. I, I, I, I, I, I, you did not need to ride Shrek's magical dog coaster at the fucking universal. Yeah, I wanted it. I wanted it. Well, either way, for universal, which must have, was it on this card even? It was, but as a previous statement, like I said, we booked it to be 10,000 now. Well, we booked it. We booked it, we booked it in June. And so like, I've been paying, you know, I've been paying towards the card and a lot, and a lot, like some eating out and stuff like that while we were in Florida on that car, but it wasn't on

this statement. So I feel like there's going to be something every month with you. Because again, I'm here. This is a kind of spending. You had the, we have to decorate house month. You know, and then we have to get the travel month. And it's always going to be something. Do you at least use the gym?

Do you use the battery of furniture? Oh, for a fucking. No, not always. I like to entertain. So we have people over and we'll use them. And they just sit in the gym? No, they sit on the patio for insurer occasionally, but not as much as I would like. I mean, yeah, I, I, I just wanted, I want it, I want it to, I want it to feel like home.

And I wanted to offer things. And I bought it off Facebook Marketplace used. I get it. You have $10,000 on this card. Yeah. You're paying $120 a month in interest. So I don't give it. I have money.

I've been very blessed and I've also worked very hard. and paid off dead, all that stuff. I still have a guest bedroom that hasn't even been built and then one that's only half built. Okay, come on. I've survived. I've made it. People have still stayed with me when they traveled here.

You'll be okay. Disney Plus, that's expensive. It's the bundle. So it's like Disney, Hulu, ESPN, I think. You went inside a store, got some BS, just a cheap little snacker,

drink. They not registry. Starbucks, Starbucks, Apple. We know you. Look at that. We know you love it. Yeah, an Apple bill or subscription. It's expensive in 1944. Cavender's boot and other Apple bill or something, 10 bucks there. The Tavern Bowl, Apple bill or subscription. Taylor Swift Shop, 75. That's an expensive hobby to get into. That's recurring. Reoccurring? Yeah. A subscription to Taylor? No, it's not a subscription. She's already a billionaire and you're a Poor, so why aren't you take care of yourself? But she's like my favorite. So I'm...

Favorite what? She doesn't know you exist. I like to think she does. She doesn't. Well... She enjoys your money. I'm sure she doesn't enjoy my money. It's all spent with fuel from her plane.

I like her, like I... So you do? Buy all the cardigans. I bet you do. You have no money. And then the, well, the holiday collection just dropped too, so... No, you're not going to get it. I already did.

How much was it? How much was it possibly? Well, okay, but I'm... No, how much was it? Was the question? You're gonna answer. Probably $200. Oh, for fuck sake, you are losing $120.

You said you want to get in a position where you can have a family and kids? No, no, you don't. Fuck you. You're married to being stupid with money. You're married to just getting in a bad way. But when it's just one little thing. It's not one little, $200 is not a little thing. You don't understand the value of a dollar.

No. You don't understand. No, no, no. You legitimately do not understand the value of a dollar. I think I do. You think that's one little thing. If you use that kind of phrase, you do not. You do not.

You don't understand the value of a dollar. If you think that is a small little thing. Like the heiress tour is ending soon. Yeah, it's been ending for about five years. No. I went, so I went to the show in Arlington. I'm sure you did. I'm sure you spent way too much money on it.

Oh, for the sake of Swiftie in front of me. I'm going to die. And then we are still thinking about going to Vancouver. Well, you're not going to. can we make that very clear? She's not more important than your future. You say you value wanting to have a spouse and kids. So Taylor's more important to them.

Because that's what you're spending is reflecting. What are these new tickets going to cost? Then travel to Vancouver. Well, I have airline miles. You know she releases a new album every two fucking months. She does not. Actually, she does. Like, I'm surrounded by Swifties non-consensually.

And I'm not even anti-Taylor Swift. She is the best business woman in the world. I have airline. I love the old catchy stuff, but now if you listen to an album, skip a song, just, you know, play five seconds of the song, skip it to the next song. I feel like you're listening to the same one. This is nothing anymore. I hard disagree on that, but. You can disagree about it.

But, I mean, it's the same three keys, same time signatures. I grew up with her. She's just a few years older than me. So, like, I just, we grew up together. You don't exist to her. She doesn't know. Yeah. Just your money.

Just your money. But I have Airline Miles. So we've been through this. If we go, we've been through this. I want, like, I'm going to, if we're going to go, then we're going to use the airline miles and save money there. And then we're going to just get cheaper tickets to.

And then you're going to go to her next concert because it's going to get extended or it's not. And then she's going to start a new five year to her next year. Dude, she's milked you. She's milked you. She understands you. You have a fucking subscription for $75 to her store. No, it's not. You said it's really.

No, it's because I buy merch. That's not reoccurring. That's you being a reoccurring dumb app. I reoccur, I reoccurly, my purchases reoccur with it. They can't even acknowledge a bad song when there's a bad song. There's a few. And then, well, thank you. You're better than many than I know.

There's a few skips. I'll, I'll, I've never even heard that in my life. This is, I feel like an awakening is occurring. And they're just not my taste. It's the money, the amount of money that is just being thwarted. grown towards it. And again, I don't care. One of my best friends is a Swifty. Love her to death. And she can do whatever the fuck she wants to do because guess what? She's out of debt and she has a good retirement fund and she's set and secure. So I'm like, go do it. Go waste your, go. No, not even

waste your money. Go spend your money on listening to the same three songs. Go ahead. I love it. Do it. That's great. Dance to it. Okay, whatever. Yeah, sure. Do it. You, it doesn't make sense. regardless of who it is. It could be the best artist in the world. Doesn't matter. Does not matter. To be clear, you are saying Taylor Swift is more important than my future. That is what your actions are saying.

Do you get that? I mean, I get that my actions say that, but I don't think that's... What else would be the other? Then what's the alternative? If your actions say it, what is the alternative? I don't see it as like that big of a deal because it's like a, a, like a, a one-time little purchase here and there, and she's like my favorite artist. I have favorite artists too.

I don't fuck my entire future for them. This is, again, kind of what's weird about Swifties to me is you're willing to destroy your life for a human being that you are destroying your life. Financially speaking. You don't actually even know because your car gets any kind of trouble, then you might lose your income because you can't get to work because you don't have any ability. to borrow money or anything. You don't know the consequences of your actions here and you are willing to destroy

your life. You say what you want in life are those things that you will not be able to achieve because of this. No one else does that for any other artists. And yet it is millions. I mean, yeah, Swifty's are,

we're our own breed. We're a little bit crazy. You did break up with someone because of their politics. And he was also not a Swifty. Well, I mean, I don't even care about politics and stuff like that, but it's just like,

or like the agreements or disagreement. That wasn't even the whole reason. But it just sounds like you're very kind of like almost like culted. You're a little culted in your mindset, a little bubbled. There was other reasons why. But yeah, like that was like one of the final nails in the coffin. Which again, at that point, usually we just don't, we figure that stuff out on like date number four, whether or not we're compatible on just values and stuff.

And that's okay. You guys were friends for so many years. Right. You're just, it seems like with the Swifty being able to spend so much money while getting destroyed in debt. Like literally you spend $75 on here, which is half the minimum fee payment or a little, no, it's like a third of it. And you're gaining interest on this. And you're willing to go see a getting concert and all this craziness. And then breaking up with someone after forever for a boat.

And it's just like, I don't know, you seem very bubbled. But that's part. I mean, that's part of the reason I want to go to Vancouver and see her again is because like I'm going through this breakup. And it's going through this breakup. it's done with the fuck you talk well we still have to live together still have to see him and I still have to like you guys get along it's touching go oh fuck sick but yeah then stop touching and going because that's going to longate those feelings well now no I mean even I do that with every breakup I always do a touch and go I mean we just

have to cohabitate peacefully oh I love that little cohabitate I'm in the guest room I'm in the other side of the house and he's in one side of the house and they all always. And those rooms unite. Happens every time. Happens there every time. No, it does not. But now, so now.

You're right. Swift would probably not approve. Wish that was a joke. Texas Roadhouse. Apple Bill. Ice house. Villa nails and spa? $70?

You just, let's see. Let's see. You have pink normal nails. I'm like, what are we doing? I love. What do we fucking do we do them at home. That's what my Swifty friend does. She figures out ways so she can save up for the next ticket.

She does her nails at home. I. For a sake. Snooze, Coles, Chick-fil-A, Target. It's a little unknown sometimes with that. Top golf, that's usually expensive. No, that was just a little fee. That was a company trip.

Apple bill, great. Yeah, I'm glad you spent money there. Apple bill, again, Target. What kind of subscriptions do you have? I do Peacock. and I have like Hulu, Disney, plus, that kind of stuff. A couple other.

I pay for the subscriptions in our relationship. So like all the streaming stuff, that's one of my bills. So I pay like half the rent and then I pay water and I buy groceries and all the subscriptions and then he takes care of. But you guys got to stop. You have to, it's time to.

You need to be able to separate and be able to sacrifice. This is a weird thing you guys got going on. Because if you can't sacrifice in your life, your bills, some things that you actually have control over, it's not a utility. Yeah, but it's like what we agreed that I would...

I know, and it's too... You might just need to have another re-agreement. If he wants a subscription, he can pay for it. I'm moving out soon, so I can't... Okay, that is true. I could cancel them all. What is this? $300. Rem... Remedy meds?

what is that like a spa? No, 300. It's online OZemphic. Okay. So I started taking... Why aren't you seeing something to the doctor and using health insurance? I don't have health insurance. You don't have...

Why don't you have health insurance? You have a job. My job doesn't offer it. It doesn't... Well, how big is your company? They're too small. I'm only one of 21 employees. It's too small.

That makes sense. So they're not required. We looked at doing benefits and we're doing a 401K stuff. I'm just going to say, this and it's I thought it would be that one of the first things I would ever do as a business owner is implement it and then I looked at the price of what it would do it would be our entire annual payroll in a one month basis is what it would cost to set of health insurance so I do kind of get that small buzz it can be very hard to afford it as a small business side that's why they have that like

100 person rule or something yeah and either way why don't you because you could get you could get just at least something for like 300 bucks a month bare minimum just so that you don't get, why allow yourself to, I thought that it, why allow yourself to get like a few hundred thousand dollar bill if something major would have happened? I thought that like for the exchange, you could only get it if you,

like, were low income and stuff. Yeah, but you could go and get the basic bare minimum. That covers only really crazy things. Okay. You still got to pay pretty out of pocket. Isn't that like $600 a month? I don't think so. I mean, I pay like five and I'm pretty mid.

I thought it was like really really I don't know go look but I'm again this is you I think I thought you find out Google you're now you're literally because you're unwilling to Google allowing yourself to potentially die and not get preventative care

and now you are spending a health insurance payment on Ozambic and I don't care fucking pick it I should probably take it too I'm afraid of needles so if you guys see me get skinny it's all natural baby But I don't care. You probably should for health. Sure, do it.

I don't care. But I feel like you could be doing this in a more price effective way. I do even have like a sponsor. It's probably not a sponsor for this video. I think we've only done it one time. But they like help you get connected with low cost versions. Like there's so many options if you just Google, Google, Google, the literal definition of your life. Unable to look something up, you just decide, I'm going to fuck it.

I. I. I feel like I was pressured into the O-ZMPIC a little bit. Pressured? Like, you know how when you, like, get into a... By a doctor? No, not by a doctor. You know, like, you get into a relationship and you start getting that, like, love weight.

You're not in a relationship. And, well, I was. Yeah, but you just paid for this. I, yeah, and it was, it's a monthly charge of $300. So I'm on the, like, this was like month three. So we... How much weight have you lost? So far, I've lost like 10 pounds, which is pretty normal.

It's a slow start. Isn't your appetite supposed to be like broken or something? Yes. Why are you drinking calories? Because they're good. I need something to drink. But like I feel like we have free drinks. Okay.

Okay. Okay. You're pressured though? I just like we both kind of gained weight in the beginning of the relationship. You get all like happy and you go on dates and stuff like that and you eat out more. Yeah. That's why I'm so fast. And then you, you know, then you want to lose the weight and you like it was, I got so many ads for it on every YouTube.

And there was comments. And so I wanted to. From him? Yes. Okay. Because seeing ads is not being pressured. You're an adult with ability to advocate for yourself. Okay.

What was this pressure like with you guys? It just, you know. One damn card for you want to like you want to look good and you want to do the thing. Sure. You said you were pressured for me. him and then you keep saying things that aren't from him. It was a little bit. It was just comments.

What? A little sly common here. People make little sly comments. You said he pressured you to get Ozempic. Like you would be pressuring you to get Ozempic. He wasn't like outwardly. So you weren't pressured to get in Zempeg. You probably felt bad from a couple of dickish things that he said that he probably

shouldn't have said. But he didn't pressure you to get OZempic. I'm not going to allow yourself to victimize yourself. No. I mean, yeah. It was like it was like snide comments. and it reaffected me. Which does that make sense?

If you said that, I would have been totally on your side. But you said he pressured you into a $300 a month payment. And that is not correct. No. I would have been on your side if you said exactly that. But again, you tried to manipulate it in a way to make yourself look good and get out of being called out on that $300 payment. This is what you keep doing.

You keep looking for a way out of being confronted with something. For fuck's sake. You got $203 a $500 a fee. This is here so far, but you've been late like six times or something. So there's an annual fee. What's the annual fee? 95. Okay.

Well, guys what? It's 203. And then I did a balance transfer. Why? Because I did used to have a card. But you haven't changed behavior. What? It was like at a 30 something percent interest.

So I balanced transferred it to this card at zero. So there was a there was that like three percent fee that they that they make you pay for the balance transferred. It's far as in a couple months. And guess what? You've made no progress. So congratulations. We're just going to be back in the same boat again.

Because we didn't change any fucking behavior when we balanced transferred. Because what is the point of doing a little shortcut if you don't actually, what is the point of dieting? What is the point of going on Ozempic? If when you're off of it, you're just going to go right back up by not changing your behavior. I think I have made some progress on it.

Probably a minimum monthlies, but you spend on the card. I, yeah. But I am making progress. You're bragging about the money in your checking account. And we talked about what you're going to have to go to the apartment anyway. So it's not like you actually even have savings. It's my savings. It's like I use like savings, but it's not.

It's like I have set aside. Yeah, I have it set aside for moving expenses. And then I want to get a new car. What is want to get a new car? I have to be careful with your words because your words have been crazy so far. What you say and what you mean are disconnected, beyond. in this conversation so far. I want to get a new car.

Yeah. My car is getting pretty old. I want it in my suitcase. Like that's a. I don't know what that is. Keep going. I want to. My car is getting pretty old.

And it's got about 110,000 miles on it. And it's a Chrysler. So I want to like I want to get a new car before this one completely craps out. So I can still get a decent trade in value for it. Well, I mean, you know, your trade in value is going to be. we kind of reflected on if that car is going to survive or not. Right.

So I want to trade it sooner rather than later. Okay. Do you owe on your current car? No, I don't owe anything. That's one of the things. It's worth about $7,000 we have a value. It's a Chrysler 200. Year again?

2016. Miles says 100. 110. I think this should be able to go for a bit. A Chrysler? Well, how is it? Are you doing maintenance well on it? What has anyone said?

I do the basic like oil. changes and stuff like that, but I haven't had a transmission service or anything like extensive. Why aren't you fully taking care of the car in terms of just going and just getting like a, at least a couple of year check up on everything? Just to make sure you're not having to put money into it. How are you going to get this other car? If this apartment's going to be like a month or two and then down payment and then you're probably going to need furniture so it's like a home.

So like. Well, I have all the furniture now. What car are you going to need? So as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with course careers? Because I truly believe in what they're doing.

A lot of people have questions about online certifications versus traditional college degrees. Let me be clear, I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. course careers offers a practical, affordable way to launch a career in a high demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow.

I know some people think online programs are a quick fix, but that's not the case here. Course careers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up-to-date self-paced courses, one-on-one or group coaching from people that work in the industry, and most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Disney. That didn't happen by chance. He put in the work and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills, about landing a job. Their curriculum is designed based on what employers actually need, and their network of industry.

coaches will guide you through the entire process from learning the skills to interviewing, resume help, and beyond. So if you're serious about starting a new career without wasting years or piling up debt, give course careers a try. Start with their free intro course link in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and course careers is here to help you shape it. I thought so... How are you going to get it? I meant. Okay, so I've thought that I, my top of my budget would be like, maybe like 33,000 for a car. The fuck are you talking about so you're going to go further into debt.

Okay, good job going through financial peace. But then. You really listened. But then I would have my. I don't even want to give her our classes for sake. I think it'll be, you'll just get worse because you'll hear the best like, an education that you can hear. Then you're going to do the opposite.

But then I would have my trade in. Of $7,000. You're talking over $3.000. $30,000. And then I would do my down payment of the tax title and license at least. With what? Because guess what? The money in here is going to the damn apartment, which might be first and last month

and security deposit. It could. And then I'll put up. Plus some furniture because you're not getting all of it. I will get all the furniture. Confidently? Yeah, I paid for it. So I'll take it when I move.

He didn't get any of it? No. Okay. Good. Good. Good. Good. Yeah, we've already, we've already kind of divided everything in the house.

He gets the, he gets the riding lawnmower and I get everything else. What a man. But I, like, I'll have the, the trade in value and I'll put the tax title and license down. So then I won't have to, um, finance as much. Like, it'll be, I'm trying to. You're going to have to finance like 25,000. What are you talking about? Like, I don't know what, where this money is coming from that you're talking about.

Well, I have a job. So I'm, yeah, to. you're saving up $25,000 in a month, even though you have a credit card that you can't pay off because you refuse to because you spend more money on it and interest is accruing and you only put the minimum in payment towards a little more. It'll be for like sometime in 2025,

like the beginning, like in the first three months. Oh, wonderful. Okay, so four months from now. Yeah. Yeah, you've made no progress on this credit card, but we're coming up with $25,000 to be able to buy this car in cash. No, I was going to finance a like some of it. Just not.

What some of it to you? Not what is some of it, maybe like 20. Maybe like 20,000 of it finance. Oh, guys, we say $5,000. Is that not the, like, you're adding $20,000 to your debt pile. And the rate's not going to be great.

We're not in some super low rate environment. How am I going to get a car that's like reliable? I'm potentially suggesting that you might not need to. Before you do, get a detailed thorough review of this by a mechanic, your car. See if you can ride this thing out for a few more years. Unless it's completely in condition. I don't see why now you just got over 100,000 miles all of a sudden, this thing's

That's not how every car works. I just thought because it's a Chrysler and it's like not. I don't know. Go ahead and get a checked, dude. Yeah. I mean, I do. You're getting a whole ass new car. $20,000 a loan.

It's going to be more like $30. Let's be honest, because we know your finances. Maybe. All because a car has just ticked up. I thought it was important to trade it in while it's still running and up and working well. You know what? I wouldn't necessarily be against this, but you're talking about getting a 35,000-hour car. How are you not comprehending that?

I'm sorry. I am aggressively mind-blown at how you are not comprehending that. I thought that was just like the, I mean, isn't that how much a new car about costs? Why do you need a new car? You could get a used car. Yeah, I can. I just haven't. I haven't.

Great through, ladies and gentlemen. I haven't really looked that much yet. I just know it's on the horizon. I'm trying to keep it on the horizon. Like, it's on the horizon. Hopefully this conversation. on the horizon. That's my 401k.

$537. Chrysler 300 drivers report of their vehicles operating reliability for well over 200,000 hour miles when well maintained which is your responsibility. Some even report Chrysler 300's last year. It's a 200. I doubt that's also going to

cut the lifespan in half. $500 in our retirement but guys, we're going to have $30,000 car don't you know? How you have survived is you know what's awesome about this show. It was really cool. And I know I've just been like aggressive, but you know what's this awesome?

It's just like, I did not realize before the show how crazy everyone is with their money and just delusion around their spending and understanding about finances and tell the show. Even though, let's pretend people weren't even getting help around the show. Let's just pretend people that weren't even getting help that are watching the show. Like literally over 10,000 people we know maybe 20,000 have changed their life. because of watching the show, gone out of debt, all that stuff. Let's pretend none of that even happened. This show could go down in a history book,

finally demonstrating the average American consumer on how dumb they are. I've had some people ask, like, can you get a normal person on the show? What the fuck do you think a normal person is in the United States of America? Welcome. Everyone has a car loan and all this. This is consumerism to its core. That's what we're kind of told, though. I mean, you have to put, you have to get a credit card.

You can't think for yourself. No, I can. just when that's all you're told is you have to get a credit card to build your credit. You have to have a car note to build your credit. You have to, you know, get a new card. Get a $10,000. Balance on a credit card. No.

They did not say that. They did not. I advocate for the get a credit card in a healthy and safe way. I talk about the FIS card. Debit card that builds credit. Love it. That's great. Yeah.

And I just think it got out of control a little bit. Through your behavior, through your consumerism. Yeah. You being an average American. And here we go. Amazon Chase card. Wow, did I just make it to another document? Who would have thought we would make it here?

This conversation is derailed in so many different ways. Are you having a pleasant time at least? Yes. I feel helpful. I feel helpful? No, I feel like this is helpful. I hope so. It's usually everyone's like big wake-up call.

Yeah. Yeah, it's interesting. Even if I'm dying a little, but I think we're all able to reflect in the end. Okay, so $1,202.55 on here. And you purchase basically exactly how much you put towards it. So $36,000 minimum wage payment. Why not just have your balance go lower instead of purchasing almost identical of what you put on it towards the payments? I don't get it. Why not get closer to debt free? I made bad choices and put... That's not an excuse. I... Sorry, sorry, go ahead.

It's been really difficult mentally. And I, going through this breakup and losing the house and everything like going on in life. And I tend. Everything going on in life? Yeah, I tend to just want to spend some money. And I kind of go into my hobbies a little bit. So I've been buying a little bit of more stuff for my hobby. What are you getting?

What's your hyperfixation hobby of the? Legos. Legos? Legos. Wow. How much are you buying in Legos? Probably. All these Amazon orders

Legos? Not all of those ones are. But I have... What the fuck are you talking about? I've bought more Legos since that same. How much you spent on Legos? I spend like $400.

A month? Not on average. Just in the past month. I've probably spent 400 on Lagos. Isn't it just like one set anyway? No, I buy a lot of the little sets. They are expensive. They are expensive.

But I'll look on Amazon because a lot of times. Amazon does deals, especially right. Amazon spending and Prime video. You got a couple rentals and stuff in here. $61 of interest this year so far. Let me see that Amazon account. Oh, okay.

I'm also getting ready for Christmas, too. So I'm buying. What? What? You have debt. Merry Christmas. I'm getting out of debt. You.

What are you talking about? Okay. So you can just scroll. Oh, we have a fairy set coming and a Christmas town set coming. We got a shirt or pants or bag. Yeah, I return. a bunch of those. Oh, well, you turned one.

Got a bra. I probably never had any of those before. Guys, we got a giraffe. You knew one. Shirt, shirt, shirt. Is this? Oh, a calendar? You really needed a calendar?

You have a phone right here. It's an Advent calendar. I don't know what that means, but you have a phone. Lots of places can expose you to identity theft. Oh, no. That's why LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone can do on their own. If we find anything suspicious, like new loans or changes to your financial accounts, we alert you right away.

All through text, phone, email, or the LifeLock app. Get the alerts that could make all the difference. Save up to 40% your first year at LifeLock.com slash special offer. Terms apply. Probably import whatever Advent is. What's Advent? It's Advent calendars is like where you open one of the little boxes every day. Oh, good death.

It's for my niece. Your niece. You have debt. Sox. Mobile coffee cups? Dude, just have a fiendtumbler. A lot of that stuff was for Universal. So like the coffee cups in the hotel rooms are really small.

You're spending stupid. You're spending stupid. You don't understand the value of it are. We've already determined that. Your spending's ridiculous. Student loans 5.2%. It's not the rate I would like. I do have those on auto pay so I get 0.25% off.

Is it only this, the 2,259? That's the last one. The last one. I had two others. What happened? Why are you prioritizing those over a 10,000 or 30% credit cards? Those were, the other ones were unsubsidized, maybe? Yeah, but they weren't competing with the credit card in terms of interest, right?

Oh, I just- Priorities are weird. I paid off the ones that were getting interest while I was in school. I get that, but you have a credit card. Yeah. Your priorities are what? So that one is- Go through our debt class.

please. That one is my last one and it's the one that... Are you aggressively paying this off? I put $100 a month to it. What's the minimum monthly? Oh, like 52. Why would you put $100 towards this? This interest is a 5%. You have a credit card that's over 20%.

Yeah. That's not against Dave Ramsey's thing is... No, no. No, that's not even... That's not even financial... Nope, because that's... Dave Ramsey actually would have you pay this off quicker, but that's stupid. simply put

A 20% Like Yes but it's like Beyond lower You know If it was in the same world That's different But this

It also Federal student loans Have a lot more protections If things were to get wrong I want you to get rid Of this Scary debt

That does not have Those kind of protections But I have confidence To you That I can do it right And stick to it My question would be What confidence

I have no confidence Why do you have confidence? Your debt? That has done nothing but go up in these statements. Your spending is out of control. You do stupid things like the Taylor Swift crap, which is endlessly monthly for you, and stupid multi-thousand-dollar vacations because you felt like you owed them immediately, like you didn't have a lifetime to do that.

So what confidence? Because I honestly don't have it, and I would love you to convince me that there is so that I can have some kind of redemption in this story. But right now, nothing in here suggests any kind of confidence. I want, I want the, the life. I want the, the, the happiness and the spouse, the kids. But more than Taylor, more than universal? I mean, it's going to sound stupid to say yes because I might.

No, it doesn't sound stupid. That sounds reasonable. I don't believe you. My actions have said differently, but I want to make the change, like I want to do it. I think I can do it just, I, I, I want to. I want to. You're going to need something more than that. You can want multiple things, but you still prioritize things.

And so far you're prioritizing. I promise to do the debt class. That means nothing to me. And the budgeting class. We've all had promises. Okay. We can follow up again in three, six months. We will on the follow up channel.

I mean, you better believe it. And I better not be disappointed. But gosh, I would have a little bit of semblance of hope. If in the statements there was a. of progress because what I feel a lot of people do because they get put in the hot seat and I know you are on here actually to change things

but a lot of people that get put on the hot seat and then I will change, I will change, I will change because you don't want to look bad and no no wonder and you don't want to look like you're walking away with this with nothing I get it but the fact is if you actually are

fully committed to wanting to change that must have literally just happened today not yesterday because you're statements are not reflecting an inkling of change. If there was one thing in here that suggested potential change, just one, I would have more hope. But there is not one thing. So it's very hard for me to believe. I go in phases.

That's even worse, though, because that's fucking yo-yoing. You can't yo-yo your finances. You can't yo-yo your finances, though, or else you're going to end up right back here forever. Right. I want to, like the consistency thing is what I need to work. work on. I need like I need to work on just staying consistent. Do you make a budget? No. There's fucking point number one for consistency. If you know where your money is going, where it went, what you need to do to fix it in order to get the goals you want to get.

That keeps you consistent. If you don't do the basic minimum requirement, you're never going to be consistent. Yeah. And I, and I will make the budget. And that's that's, that's, yes, but will you manage it on a monthly basis? It's not a make one-time thing. I want to. A budget. A budget. Just for, I want, I, all right, we have money in our checking account. We're zelling out some money. Okay. That's rent. I zell rent.

You zell me some happiness right now. Please. Thank you. Didn't work. Sorry. I tried. What hits your account on a monthly basis income? A 4,400.

I had 55. Guaranteed. And then I get my commissions on top of that. I'm going to do 5,000. Cool? That seems reasonable. If more happens, we know where to put it. Towards debt.

Uh-huh. Okay. I promise. Your rent. For now. How much? 1,100. It'll probably get yourself another $1,100 place.

Yeah. Cheaper if you can. I know it's not a cheap city, but you could do that. What about utilities? Right now, I pay for water and streaming, and that's, uh, You're canceling streaming. Your utility payments are going to be about 250. Okay.

And including internet or everything, that's where you're going to be. Gas, room, room, drive, drive. $40 a week. So $160. $160. Car insurance. That is 203. For car insurance, renters insurance, and valuable personal property.

It's all bundled together. Okay. You're getting like $400 health insurance. Bottom of the barrel, just to start with literally covering the most crazy thing. Like if you were to be in an emergency. Like a heart surgery. Like a heart surgery.

Like just the worst of the worst. TP fund, 100 bucks, anything else to survive. Necessary food, $300. We have a meal plan that you can follow in the budgeting program. You can tweak it to your needs.

What about your phone bill? $70. I pay my mom. Okay. That's not. Okay. Do you have any pets? I do not.

Good. Nor should you. That would be irresponsible. Okay, your minimum wage debts. Let's get this. Credit card's stupid. 311. Gym?

No, you have a home gym. We have a home gym. Subscriptions are canceled. If I move into an apartment. Subscriptions are canceled. Anything medical other than what you already have? The Zempe. But.

That's 300. And I like, like, I kind of like it. I feel probably. I feel like I'm not opposed to it. I feel like once you get health insurance, I go see a doc and I get it prescribed and see, well, I mean, no, you got an island prescription. It's still 300. And your health insurance, the, with the health insurance, you're likely going to get, it's not going to make it much cheaper. Okay.

I'll put 300 in there. Let's just see how it all adds up. Okay. These conversations right here, this is where it pisses me off even more. even with that dude you have an extra $1,800 left on a monthly basis

this is literally your choice right now your choice you are making this choice you can get out of debt so easily compared to so many people that are coming on the show they have to sacrifice

and go so hard and you are choosing not to because you're being a child because I didn't think about it this is so fucking easy dude are you kidding me credit card number one

Chase Destroyed in a month. Bank of America, destroyed in five months, if even. Student loans, minimum monthly payment until they're paid off because we're going to focus on different things. So six months, you're bad debt free, and then you're going to save up what is likely, I'm going to call it about $15,000 emergency fund. We can probably do that in at that point with the minimumity payment and everything that's left. do that in about seven months. So we're talking a year in one month.

You have a fully funded emergency fund. No bad debt. 32, starting your life, great. You're going to start contributing 20% to retirement. You can live on 50% of your income, and then you can still spend 30% on fun. And that savings, you know, take 10% for funds, start putting a car thing aside.

Your car should be able to last another year. Go ahead and do maintenance on it. Put that in the TP fund. I'm sorry. This is a joke. you have the ability to do this so much easier than almost most most the vast majority that come on the show you've just chosen not to and that i that's gonna make it hard to have sympathy because you are just beyond choosing this none of this is being forced upon you you have such an easy thing easy thing to get out of this spending their budget technically you're under your budget should have gone towards the debt your debt only went up but i can't give you any better than a two out of ten your debt you're The credit card debt is stupid for your situation in terms of the entire total amount of debt. We're talking about a 3 out of 10 there.

Emergency fund. No, you don't have an emergency fund. You have some set aside that it's going to go to your apartment. It's all in your checking accounts altogether. This is not doing very well. I'm going to give you 3 out of 10 there as well. Retirement, just getting started, 1 out of 10. Real estate, not a part of the conversation, zero out of 10.

The crazy thing is, again, this isn't even a bad score. This is just your choice that you're in. I mean, it's a bad score. It's not going to be a four out of ten. It's going to be a two out of ten. But that's even better than a lot of people that come on this show. You're choosing this, and that upsets me more than people that are in a situation that they can't control by a lot. This upsets me.

We have other stuff we're going to talk about in the post show, and we have over, we have something like 10,000 hours of extra content in our YouTube membership. Please consider joining that. Join Hammer Elite for the best value of your dollar. Help support this channel. Now join us in the post show where things, the, drama and extra tea and things we can't talk about and all that stuff is revealed. See you there. You said you know more about their like weirdness of their relationship? They all got in a fight last week and you threw a fork at him.

You threw a fork at your fucking axe. I didn't. I threw it past him. Which could have hit him. That could have like punctured a skin, eye, anything. I was more careful than that. For what? What you argue about? So we got in a fight because. Should I call him get his perspective? To watch the fight. Financial Audit Post Show, click the join button below.