Financial Audit - Disgusting Degenerate Steals $200,000 From Mom | Financial Audit

Episode Date: July 29, 2024

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check us out on YouTube. I spend a lot of my mom's money. 200,000. Not giving it back. That sounds sketchy as f***. So you take advantage of her? Yes. She'll be like, stop taking money. Let's be clear. Stealing. Just taking advantage your mom being a disgusting human being, bottom of the barrel trash. I wanted to confess something to you. You know how much money she's taken from me over the last five years? I don't. 200,000 hours as far as we know.

Oh, my God. Hi, my name is Heather. I'm 21 years old. I'm from Washington, and this is financial audit. Wow, from Washington. What do you do in Washington for a living? I am an office manager. I pretty much, I don't have a lot of responsibility.

responsibilities right now, but I, um, it's an easy job. Okay. Well, how are you making, uh, how much are you making doing nothing? Um, I make about, I think it's like 12.50 every two weeks. Or not 12. Yeah, 1,250 every two weeks. It's your account or that's what you make? That's what I make. Or like, that's what like goes into my account. 1250 every two weeks. Yeah. So biweekly, 1250. Cool. Perfect. How do you feel living in that? That, area on 2,500 hours month? It's expensive and it's hard.

And I struggle a lot especially because I spend a lot of my mom's money. She's probably given me about 200,000 in the past five years. That's an insane amount of money.

How does she give you That's that much money. And that's five years? About, yeah. Let me just do some basic, not stupid person math. Since 16? About. Who am doing a 16 that requires starting to get 200,000?

What the fuck? What are you talking about? Just taking money from her or borrowing money and not getting it back. Oh, hold on. What the fuck does that even mean? What does that even mean? What do we, no. I wouldn't laugh at that.

That sounds sketchy as f***. What are you talking about? Yeah, I take a lot of money from my mom. Sometimes I'll ask her. I have her card attached my cash app. Like her debit card? Yeah. And since 16, you're just sign-fitting?

Yeah, pretty much. And I work for her, so I make the money from her business, and then she kind of gives me extra money. So you do nothing at your job. get paid some money for it and then siphon $200,000. Yeah. And you say borrow. Okay.

What is borrow? Oh, this is awful. She, pretty much I'll ask her for money and I'll tell her I'll give it back to her. And then she... 40,000 hours a year on top of your pay. Yeah. Sorry, go ahead.

She'll forget. Like this ring, this is my wedding ring. And borrowed money, borrowed money for it. She gave us $3,000 for it, but it was only $2,100. So she forgets. Yeah. So you take advantage of her?

Yes. Wow. Okay, open and honest about that. There's a part of me that at least respects the honesty, but I have a hard time respecting the actual reality of it. I mean, you're three years into adulthood. What are we do? So have you ever gotten a job in your life that wasn't dependent on mommy?

Yeah. What? I worked with special needs adults. I lived in South Dakota for a period of time, so it was a lot cheaper. Okay. But you were still borrowing money during that time, I'm assuming. I went through a period about three months where I didn't borrow money because I had a really good job. Oh, three months out of five years.

Okay, wonderful. Yeah, I only made like 15 an hour, but I also was living with my ex. So we were kind of splitting the bills. So you actually do nothing at work? No, I run payroll and I'll, like, answer phone calls and I handle... Okay, well, payrolls once every two weeks. Yeah, yeah, that's true. Okay, sorry.

And I also handle, like, our sponsorships and ordering stuff for like the company. You don't have to tell me the business because we don't want to put that information out there. But like what does the business do? Um, we work with children on the autism spectrum. Okay. So we doing what for them? Um, therapy, like, um, teaching them social skills or like how to. Is your mom a therapist? She is not. She used to be. Um,

she is now like, um, a behavior analyst. So she's like way above. How wealthy is she? And why is it just your mom? So is it just your mom? Your parents are not together? No, they are. My dad's retired. But you're taking from her. You specifically called out your mom. Yeah. Um, because it's her card. Yeah. Her card, her business. Even though my parents like kind of own it together, they don't really own it together. It's my mom's like the owner. How healthy are they? Um, I actually just learned my mom makes about 500, thousand a year. Okay. 500. I mean, that's an incredible amount of money. Incredible amount of money. But making 500,000 dollars a year, I feel like you would still very much be like where has

$40,000 gone this year? Even at 500,000 dollars a year, I was thinking maybe a couple million. Okay. You know, maybe they're like, you know, dropping the bucket. But 500,000 dollars a year losing $40,000, just gone and forgetting about it. That isn't really make sense. She calls me out. What do you mean she forgets? What do you mean she forgets if she's calling you all? What are you talking about?

Sometimes. What is actually happening? Sometimes she, um, she'll like text me and she'll be like, why are you taking money? Stop taking money, child. So then I'll stop taking money for money. Child. Yeah. She thinks you're a child because you're acting like a child because you've been independent.

You've been independent three months. Three months of your life ever. You've been independent. Go ahead. Continue. I think she also forgets, though, because I have a little brother who also likes to take money. What are you guys? He takes money in the form of steam gift cards. What are they enabling?

Instead of what? In forms of what? Steam gift cards. Don't you do lots of that, too? You do lots of video games. Yeah. How much you, where does the money go? Because why do we have debt?

Why do we have collections? If you're siphoning 40,000 hours a year, year away since 16 plus bringing an extra $2,500 a month net. How do you have, how do you have collections? What do you mean? You could literally live on 40, according to you, you could live on 40,000 hours a year sitting at home doing nothing, according to you and what you've done so far. So how the possible you have debt?

Because you are in the most privileged position I've ever seen in the history of the show to be candid. So how do you have debt? Um, I kind of just like to forget that it's there. Um, even though I know it's there. What you're talking about? I don't want. But why have it in the first place?

If you're getting all, if you're stealing, let's be clear, stealing, stealing, siphoning, being a bad person with it. How did you get in the day in the first place then? Honestly, I have no clue. Oh, shut up. What does that mean? That doesn't make any sense. What do you mean?

Um, well, how do you have student loans if you're getting, if you're getting, you're siphoning $500,000 from her, 200,000 hours from her. How don't even have student loans? That would have covered school. Yeah, so the student loans, she forced me to take them out and told me that she would pay them.

And then she didn't pay them. And it's kind of hard for me to, like, I guess pay it myself when she promised me that if, like... But should she? It's $200,000. thousand hours a year that you've literally just taken from her accounts wait she says stop taking money child is that what you said yes she said did she not disconnecting when she sees you every day at work right no she lives in south dakota i live in washington what why don't you listen to her and why isn't she

stop you what i'm so confused honestly i don't know um i mean i know why i don't stop i don't know why why Why don't you stop then? Why don't you stop being a selfish piece of crap? Because I like to shop. That's worth just taking advantage to your mom being a disgusting human being. Bottom of the barrel trashed, washed up on shore, needs to be thrown back into the depths of the ocean.

You'd rather be that? No. But you are. What do you mean? You just said, I'm not stopping because I want to shop. Shop. And yeah, your spending's ridiculous. What do you mean?

Honestly, I don't know. That's not an answer. That's not an answer. That is not an answer. I guess I kind of just struggle with the whole like stopping myself from buying stuff. Like today I bought a whole new outfit for the show. The show about not spending money. Yeah.

What do you do? What do you? That was a. Shouldn't even wear in that hell. Self love. You're not self-loving. just destroying your mom's finances. You're not self-loving.

Yeah. Yeah, and then I went to Buckees and I spent like $100. All in all today. I've spent like $300. But I was, it's, I borrowed money from my mom to do that. But she said why she didn't pay for your college. No. The student loans.

Did you ask? I have asked her before. She kind of voiced conversations like that. Okay, yeah, but what happens if you confront, though? Hey, you said you'd pay for the loans. Aren't you paying for the loans? She'd probably turn it back on me. Okay, but she hasn't?

Why have you not have this conversation? I'd want her to turn it back on you. But that's why I'm trying to figure out why hasn't the conversation happened. And if so, what has it been like? I feel like it'll turn into a fight and I don't like to fight with my mom. especially over finances. Because you get $40,000 a year from her. Yeah.

Still. All right. Let's jump into your finances. Self-assessed. Yeah, I feel kind of disgusted. Self- Okay. Self-assessed. Where do you think you are?

Zero to ten finances. Zero being the absolute worst, 10 being the absolute best. I'd say probably a two. Okay. Why? Explain. Um.

I at least, like, even though I'm horrible finances, I at least make sure that I get groceries, that my rent is paid. Oh, I make sure that I eat. Okay. Yeah. That's you being great with finances. Okay, sure. And also that I pay my car payment on time. Just the car payment.

And my rent. But you're picking and choosing. Because you have collections. Yeah. So you're not actually paying your bills, though. you're just picking and choosing. So the ones that you find to be important you've made, so you think that's good.

Yeah, I mean, the collections, I think one of them is from a school, which I tried to fight that one because they gave me a refund. And now they're saying that I owe them the exact amount that they gave me a refund for. Okay. So I tried to fight it,

and then I just got like the resolution or whatever from TransUnion saying that they, didn't accept it. Sure. So. Well, there you go. Now I'm going to have to pay that. And then the other one was an internet company in South Dakota that I had tried to call them multiple times to cancel my service because I moved out. Why are you in Washington? My husband lives there. And whatever business your mom owns has a branch in Washington? So I was born and raised in Washington. And so my mom opened her company when we lived in Washington, then we moved to South Dakota.

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Come hang out with me. beat you up a little. Calebhammer.com slash apply. Two out of ten, she says. Okay. Oaky dokey. How long have you been in this job? I've been working for her off and on for the past three years since I was 18.

Yes. So that explains the three months of independence. We have a car alone. Yes. What is your car? 2016 Subaru Cross Trek. Okay. you

so all the money that you steal literally just goes to shopping because again if you're siphoning what averages out to be $40,000 a year there's no reason why we'd have a principal balance here on this car of $15,477

why haven't you tried to focus on debt you make your minimum fee payment on this which congratulations basic minimum but why have you not at least use your degeneracy to help yourself? I honestly It's a 13.5% interest, right? That's terrible.

Sorry, go ahead. I honestly just don't I don't really care to make more than one payment on my car a month. Why? Honestly, because as long as I pay the minimum, my mom won't get mad to me because she co-signed on my car.

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add up without lifting a finger, so I can use my time to work on the channel. To save more and spend less, join the over 5 million members using Rocket Money today. Go to RocketMoney.com slash Caleb or click the link in the description below to get started for free. How does everything connect to this woman? Oh, what is this? Oh, this is... Definitely a unique situation. Is a kind way to put this.

Yeah, and that makes sense. So are you saying if she wasn't co-signed, meaning she wouldn't care if you missed a payment and you would just miss payments? You only care to make the payments because it doesn't make her upset? No, I mean, I would still make the payments, but they'd probably be late. Why, though? Why? I typically always, even though, so my first paycheck usually, so the due date is, I think, the 21st of the month every month.

And I typically spend my whole paycheck before that. On what? Going out to eat, going out to just do things. Why is that more important to you? I just like to go out. Oh. I don't like to stay at home. I get that.

Why is that more important to you? I guess my mental health. It just makes me feel better. Oh, don't fucking with that. It's not, yeah, it's making you feel better. It's your, dopamine hit. It's don't,

you wouldn't feel bad about missing the payment. So you feel good, you get the dopamine hit. You get the, you know, you know, load me up,

baby. We're going and we're getting all those McFries or whatever you're doing, you know? That is a better feeling than any negative feeling or guilt or fear of consequences

of missing a car payment. Um, not the fear of consequences. I, yeah, you know what happens when you miss enough of them, right?

Yeah, the repo man comes. Oh, they come. Yeah, I missed one car payment because I was moving. So my finances went to me moving. Also destroying your credit making it harder to get any other kind of leverage in the future if you ever need to. Yeah.

But so I missed a car payment. And the next month I ended up paying the past due one. But then I was a month behind. And my mom texted me. she's like if you don't pay your car payment like your car's gonna get repossessed. I forgot your f*** her too. Yeah and I felt really bad when she brought that up. It's a guilt thing.

Listen, if for some reason that's the reason you make your payments on time. Okay. But I would also like it just because you have any sense of discipline. You're 20 young. One, you are young, but you are an adult. Three years of adulthood. There is certainly a transition period, a figure out type period. Absolutely. But if we're starting to go into our 20s and you literally wouldn't care if you missed your car payment if your mom wasn't on it because you would rather go spend your first paycheck on fun.

Like, I don't know, man. That's not screaming much hope for the future. That scares me. I mean, the minimum of the payment is $386. And trust me, you don't make a ton of money. Taking away the money you steal. But $386 at a 13.47% interest rate. It's almost 16% of your net.

How's the car? How's the condition of the car? How's the word? What? So, I mean, my car is in decent condition. It runs. But. This is condition.

It runs. When I first, well, it's not very pretty on the outside. The bumper's coming off. When I first got my car last February, I was at the gas station. What, you mean like the February that just happened? No. Okay. Year before that.

Okay. 23 or whatever. last year was. Yep. And I was at the gas station and I kind of just rammed into a pole. And so my bumper is now. You kind of just ran into a pole. What is I kind of just ran into a pole.

You mean you floored it and you're just? I kind of bumped into it a little hard. What is this kind of? What are you talking about? I asked my ex if I was going to hit it and he told me no. So I kept going. and I rammed right into it. How quickly?

It wasn't like two. But the cars beat up because of it? Yeah. Is that it? Yeah, that's the only, well, that's the only, like, cosmetic issue. But my AC has, like, some sort of, like, leak that we just found out about right when summer hit. It's not the craziest thing. Post Washington doesn't get that hot, so.

It's been pretty hot these past few weeks. There's been a really bad heat wave. 85 degrees. I think it was almost 100, like two days ago or something. Okay. Yeah. Yeah, so there's that. My husband said my brake pads might be shot.

Husband? Yes. This is a husband situation. Oh, I think you said that, and that kind of flew over my head because you've talked about the ex. You're married. Yes. Does he bring in money?

Yes. Are you guys combined or split? We're kind of starting to combine. Starting to combine? How long have you guys been married? About a month. We got married on June 3rd. How are his finances?

He's a little bit better with spending than I am. What about that? He doesn't have any debt. Really? Okay. He's a lot more responsible with his money. What does he think about you literally stealing from your mom? Sometimes he encourages it.

You guys are gross. If he wants to do something, sometimes he'll be like, oh, like, take the $40, like, just let your mom know and take it. He'll, he wants me to let my mom know, though. Like, he doesn't want me to just take it and then not let my mom know. Hey, mom, I'm taking money to go have fun. She's okay with that? Sometimes, yes. Most of the time, she'll just tell me to let her know before I take money so I don't

overdraw her because I've overdrawn her few times. So does she care or does she not? I'm so confused about this relationship. I don't know. Sometimes she does. Sometimes she doesn't. I feel like it's a mixture between your like taking advantage of the situation and then she also might be enabling you as well at the same time. Meaning you're never getting like your adult becoming an adult. You're never learning any responsibility because, oh, something happens.

Bobby comes. Saves the day. If you ever want to have fun, we don't have to learn how to budget. We don't have to do all this. We just save the day. Listen, you and your husband should take our budgeting program. Go through the budgeting program. Take all the course. quizzes, take the investing program, taking all the quizzes, take advantage of all that. It's like the go through that. You guys need to learn that discipline. But I don't think that's the core issue here. It's, it's this weird relationship. What do you think the car is worth? Oh, God. You owe $15,477 on it. What do you think it's worth? I think it's worth about $10,000.

Last time I checked, and I'd probably agree. My original loan was for like $19,000, I think. pretty close. It's worth 11,000. So a little better than that, but you're still underwater like 4,400 or so. And you're planning with this car? Was this minimum with the payment? So it's paid off. What's the term length? Do you know? Uh, 72 months. Of course. Oh, America. When they, um, so my parents had to leave when they were like going through all the paperwork and I didn't understand what they were talking about. Um, so I kind of just signed. What? But your mom was co-signed on this. So she co-signed. And then they had to go somewhere and they said that it was fine for me to just like go through it. Oh.

And I thought... What is happening in your house? I thought that a 13% interest rate was good. Because I think like my credit cards interest rate is like... Yes. Yes. Yes. Credit cards are pretty much as bad as you can get besides payday loans.

Yes. Oh no. Please don't tell me. That... It's because something's better than a credit card. I promise it's not good. Dude. The S&P 500.

The S&P, do you know what the S&P 500 is? No. Oh, my death. Okay. That's okay. I want to do some math on the S&P 500. Just for any kind of context of what you have here. Essentially, okay, I'm going to read the literal definition, so you have it set out for you.

S&P 500 index or standard and poor, or standard and poor 500 index is a market count. Capitalization Weight Index of 500 leading publicly traded companies in the United States. The index includes 503 components because three have shared classes listed. Essentially, the way I look at it and the way I try to explain it to people, you're just investing in the United States economy. Like, they're just the major businesses that are running out. You're just investing in, like, a little better than the overall stock market. So I open up my Moomu app.

That's what I use to buy some. SPY, some spy. This is almost as good as you get for like an index, uh, or being able to get follow an index fund. The best return usually get on average is 30, uh, I wish 10%. 10%. 10% you are at 13.5%.

Which one's bigger? 13.5. Yes. You have a long time to retirement. you have 39 years before you can take it out tax-free getting that 10% this 15,477 that's sitting there right now would turn into 752,344 if it falls that average 10% a year

but you're actually losing more in interest not over that time I'm not saying you're losing 500,000 dollars but you have a 13% interest on this principal balance you do in these car loans now this is kind of fresh so you're still paying a lot of interest right now you do tend to pay more interest up front less over time more principal at the end. What's any of that's making sense?

A little bit, kind of. Just because it's less than 30% on your credit card does not mean 13% as good because really the best that you're thinking of and just even in aggressive investing is about 10%, 8 to 12%, even the best private funds typically compete with the S&P 500 and a lot of them don't even beat it. So no, 13.5 is not a good interest rate.

I mean, yeah, I doesn't sound good now that you explain it. So explain your Capital One quicks over card to me. So I opened that card when I was 19 and I opened it right after my grandma died because I wanted to spend money because I was really depressed. Oh. The money you're getting from your mom was done enough, the infinite money supply. Yeah. At that point, I wasn't really get anything because they were having to pay for the funeral and stuff. Okay.

So I opened up the Capital One card because I had decent enough credit. I think my credit was like $660 at the time, which isn't the best, but for somebody starting out, I feel like it's not the worst. And I maxed it out really quick. And then I would make my minimum monthly payments. And then I kept just going through some hardships a little bit. Because there were points where like, like, sometimes like my mom and I would like get into a fight and we wouldn't talk for a minute. And then you're not a lot of steal? I mean, I could have, but I didn't because I didn't want to upset her more.

Sure. I wanted to be at least a little bit respectful and not be like, like, oh, I was just a you and now let me steal your money. So you recognize you were the... Sometimes. Okay. Sometimes it's her, but I can at least acknowledge that sometimes it's me. Sure, sure, sure.

So yeah, I kind of just racked it up, started paying it off, and then stopped paying it, and then I go through periods of time where I do pay it or where I don't pay it. So where are we right now? Because it looks like right now you do. The credit limit is 500. So it's not like you can go crazy on here. You were at the credit limit, but then you paid it off, and then you pushed it up again almost right towards the credit limit again. Yeah.

So no interest is occurring. That means you paid it off. So like, where, what do we do with this card? So my mom actually paid it off? You know, I thought, I legitimately, I'm talking to you, I'm breaking fourth wall right now. I thought we had a little piece of hope in here right now. I put the second, because I knew the card debt was going to be bad. And then I was like, we're going to have some hope here.

Let's come with a little bit of hope. Are you kidding me? Why is she paid off? She already gives you all this money that you just take into your cash app through her debit card. And she just paid off your card? She paid it off. What the fuck is happening? To make my credit score higher. Why?

I don't want you to have access to credit or debt, dude. I don't want you to. You don't know how to. Someone like you who's young who can take advantage of the rewards. I want you to open the FIS card. I'll give you access to that. but you can only spend what you put in it. It helps build your credit.

I agree. Credit's good. Well, I don't understand what kind of credit you can take advantage of. These own you. And mom's not always going to bail you out, be able to bail you out. Hold your mom. She just turned 43. Okay, good for her.

Like, not next week, last week. She's young. Yeah. And I hope nothing happens. And I hope she lives a great life. Absolutely great long life. But if something does happen, if you do not have mummy, to bail you out, all this credit card debt that you might get into that,

you hope she comes and rescues you. Okay, she paid it off. She paid it off, cool. She put it off, cool. What is stopping you from building all the way back up like you just did? Because guess what? Well, fuck you did actually. You did!

We're here! This happened! So you were at $4.98. She paid it off in the two. And what did you spend it on? He spent it on Shee and Timo. Timo? Timo?

And no, you will never sponsor me to Timu. Stop emailing. You're a terrible company. Timu? What'd you even get through, Timu? This is worse quality than this piece of paper. And that's sheen? You're sheaning?

$268 a sheen. She pays off your card and I'm like, okay, let me go get $268 a sheen. She's not helping. Why credit scores that helping? Because you built it all the way back up to the Mexicans. So what are you trying to do? You're fully taken advantage of her.

Oh, f- The Timu was dumb. I can admit that. The Sheen, I had actually lost a bunch of weight, and my clothes were all too big on me. I had barely any clothes that fit me. So I, like...

But why on the fucking hard that she just paid off? You built it all the way back up again almost. I wanted to come home and have clothes that fit me. Why? Make Mother's Day even more special at Whole Foods Market. Kick off brunch or dinner with quality cheese and charcutor. with no synthetic nitrates, then go seafood.

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with a ready-to-heathe Kish Lorraine, deviled eggs, and fresh-cut fruits to go. Celebrate Mom with Whole Foods Market. And the card is the question that I asked with my words and mouth. I had no money, so I used my credit card. But you take money from her debit card to your check? Cash app. Not that I'm even encouraging that either, but you've done that $200,000 worth what's different.

You've completely just negated what she did. She did this for you. Wouldn't encourage her to. She's enabling you. Uh, evidence right here. But why? It's so selfish and disgusting. Does she know? She know you built it right back up again? Um Honestly, no I didn't tell her We've done it a few times on the show Done it a few times on the show

If, you know, in 20 minutes or now Once we get through this Can I call her Or can you call her and tell her? Yeah Yeah She might not answer She doesn't pick up her phone

Text her right now Tell her you're going to call her in 20 minutes And it's important that she would answer You have something to tell her Something important to tell her Congratulations on losing your weight. Doesn't mean you have to lose your

dignity. What? What is that little smirk? What is happening? What? I'm sorry. I'm sorry. You know, this is like one of the most disgusting things I've ever seen in my

life. Personally. I can agree it's pretty bad. She and Timo. Oh, you did it. You did it. If you agree it's bad, why'd you do with that, huh? I don't really have an answer to that.

We're doing a fast food tier. in the post show? I don't know. She just lost weight. It's not very fair. Shuffing fast food. But I guess we're going to do a fast food tier list in the post show. That's fun. I love it. I'm going to do it. I'm excited. Oh, you have a gift for me? I don't know if that's going to bring me out of the slump of hating this. That's okay. Would you like to know how lost the weight? Oh, sure. So, um, I used to be 230. and a half pounds. I was very insecure. I won't go into the story of what happened, but there was something that happened. And I spent all of summer and like fall of 2021,

just like, and spring just being very insecure about myself. So in like end of summer, beginning of fall type thing, I got bariatric surgery. I got the sleeve. Wow. Like 20, 19. 18. Periatric at 18. Yeah. I had tried the diet, but I couldn't keep doing it. But my mom paid for my surgery. Oh, I'm sure she did.

It was 16,000. And I ended up gaining all of the weight back almost after my grandmother passed because I would go out to eat McDonald's. and Burger King and just all that 24-7. So then my mom ended up paying for me to get on weight loss shots, the Tears Epitide, like Manjaro stuff. So then I lost that weight again. Mm-hmm.

And then my mom just paid again for me to have a tummy tuck in liposuction. Right now? I was actually supposed to have it last month, but when they put me under, they had to wake me up because my blood pressure and my heartbeat dropped to, like, deadly levels. Why are you getting liposuction instead of the work? Instead of working to get rid of the fat. Oh, because, like, my mom told me that I probably wouldn't be able to get rid of it. So I kind of just followed her advice. But you'll just put it back, though.

it's kind of like the debt when you debt consolidate without changing the behavior people just build up the dead again you're fat consolidating you're gonna build the fat up again without changing the behavior if i went and noah put his little mouth right here and sucked all this all the sickness out of here this would be back in a few months doesn't change anything i don't know i don't know and it also just feels weird that she said that i'll be honest uh it's a little weird um And I'm not against, you know, medical shortcuts.

Again, it's just more I want to make sure the behavior has changed. And she's paying for it. Yeah. Do you want to? I mean, now I don't after they had to wake me up. Oh, yeah, that's scary. I'm really scared too. But I told my mom that I would go through with it because she already paid for it.

Why does she care so much about? I mean, she doesn't care. She just wants me to be happy. Okay. Well, I want you to be happy. too, but don't you think you'll just put it back on again? I'd hope not. Okay, well, that's not anything.

I mean, I'm trying to eat less like fast food and stuff. And? I'm doing a lot better than I was. Okay. Because I used to just eat it every meal every day. But now I will actually make food at home, even if it's just a turkey sandwich. I'll eat at home instead of going out. to eat.

Okay. I don't know. You choose what's... You choose from there on that. But that's... Wow. Okay, we have student loans. Yes.

What did you go to school for? Do you have a degree? You work for your mom. So, I've switched my degree a million times. It's always been in the field of psychology. Wait, you spend 500 hours going on to eat. I hear of your spending breakdown. I'm sorry, I had to interrupt you.

Rewind for a second. What are you talking about? You're doing better. You spend $500 going on to eat. What are you talking about? Sometimes I go to more expensive places, too. Like, my husband and I will go out to restaurants. Also, dude, just your miscellaneous bullshit category,

which we're going to go through so much spending here in a little bit, is $2,598. It's literally what $94 more than hits your account on a monthly basis. So the rest is borrowed through Mommy? Yeah. Borrowed. Wow. This is this is insane. Okay, college, go. So the first college I went to was, I think it was Ball State University, and I was going for a bachelor's. In Indiana? Yeah, but I was going online. Okay. I was 17. I took my GED at 16, graduated early. And then that was the whole, like, deal between me and my mom was I... Their football teams suck.

I would get my GED because I didn't want to go to school anymore because I was bullied really bad. And online school is just so hard for me. Like, like, I don't think, well, I can't say this for 100% uncertain. But college is a different experience in grad school. I'm sure some people still get bullied. But I feel like, gosh, I never really even saw bullying. This is, this is a very much, you know, like, that's anecdotal. That's, you know, we can't base the whole world off of that.

but I really don't even hear again that's this place on my own experience but I don't even hear of people getting bullied in college. Yeah. No, I don't, well, actually I can't say I don't get bullied in college now because there's this girl at my school who likes to. You're in college right now. Yes. Oh my gosh. Okay, there's a girl who likes to. Like harass and attack people on Snapchat. Oh, well, people in general. So it's not targeted at you. It's like. Well, it's targeted at me and other people at our school because we'll call her out for being mean people on like,

school story for no reason. Okay, so she's just a to the whole school. Yeah. Okay, so it's not targeted at you for being you though. Yeah. Okay, okay. Most of the time, yeah. So you went to Ball State online.

Yeah. And I can't remember what had happened, but something had happened and I fell behind in school. Like two years ago, dude. So I left. Sure. And then the next school I went to was, the Chicago School Professional Psychology or whatever the heck it's called. Okay, following Mama's footsteps.

Sure. Yeah. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one super? I don't want one stupor. You don't fucking.

You just touch them and you move on. Why would I want to do that again? Because it's fun. Is that? And it's awesome. You're good. Hey, bro. How is Caleb as a lover?

I would give a solid nine. Wow! How do you get to a nine? I just don't know how to answer that because, I mean, I just do. I just do. For the upper tier memberships. All the people from the crew from over there, they come together, they make a crew cast and they talk about the behind-the-scenes content and how we do everything here. I feel like I don't want to contribute as much because I'm already so much on camera.

That is the greatest thing I've ever heard. Twice a month. Noah and I come here. We have a live stream with you. guys and we hang out with you, we answer questions, we chat it up, we talk about the show, we just have a good time. Caleb reads that book every day. I actually wake up and then I gooned that book in the Goon Extreme.

And then most exciting right here at this table with even more pie charts, we have an exclusive, uncensored, ad-free financial audit episode for the top tier members that no one else gets to see anywhere else. Consider joining because ad rates are always up and down. We're trying to build something great here. and I wanted to make sure to provide the best content and the most amount of content that's ever been in a YouTube membership. Link in the description below. And I think, I can't remember what degree I was going for.

I can't remember if it was just straight psychology or if it was applied behavior analysis. But I was going for one of those there. And I can't remember why I left. I ended up falling behind and left that one too. So you can't remember why for both. Okay, that's great. That's going to prevent us from doing it again. The last school that I'd went to, well, so I went to two other schools and now you're in your fourth? Fifth school. Oh, my.

I went to Colorado Christian University and my grandmother ended up passing away. Okay. Then the fifth, fourth? So I ended up leaving because I just couldn't mentally do it. And then. And I'm sorry, that is very hard. And I do get that. Yeah. It's okay to take time off, especially in the time of. Chargingy. Yeah.

Totally reasonable. And then the fifth or fourth school, what is it called? American, like American public university, something like that. I don't know. My mom went there. The one now. Southern New Hampshire University. How are you?

This doesn't make any sense. What do you think these other ones are going to be? What do you think the next one is always going to be better for you? I don't know. This one, though, I'm already a third of the way through my degree because you can take classes. What are you trying to get? A bachelor's in psychology

Okay With an emphasis on mental health Well, they don't have that They're focused on tech But I gift it to someone you know We can give it I can offer tech certifications To course careers for like accounting

And different things like that So if you ever want a resume booster Or anyone you know wants it I'm happy to gift that to you They're pretty cool Okay How much of you borrow total Because we have a lot of different student loans here

None of them are super high interest rate We do have a couple Edging towards that five But most of them are at two What's the total student loan balance across the board? Oh, I don't know. Maybe I think it's like 7 or 8,000. It's not crazy, especially for someone who's been to five schools,

just I guess you leave pretty quickly. Obviously, no minimum fee payment because you're in school right now. Yeah. Okay. Then collections, and this blows my mind how you even got into collections with your just absolute beyond privilege. When people use the word privilege, this is what it actually is. So, collections one.

That is the source. school, Colorado Christian University. You owe $1,732. You're on a payment plan, or are you on anything? Is it just sitting there? What's going on? It's sitting there. I was going to get on a payment plan after the dispute. I wanted to see first if they accepted it or not. You spent $2,500, $2,594 on miscellaneous bullshit.

That doesn't matter in a singular month. Just literally spend a third. on that and you can pay this off. I don't get at your priorities or... Yeah, sometimes. Usually my mom will help me pay off my debt and stuff. You don't need her. Look at your spending.

Dude, you just have to control it. For fuck's sake. I have a headache. I don't... I need you to like separate from your mom somehow. I need her to like stay alive but not in being like not... I just need to, you need to not be able to have access to her somehow. This is like, because I have no problem with someone helping someone out.

And I have no problem with asking for help either. But what she is doing and taking care of you and babying you and doing all this, you're never going to grow the fuck up or learn how to budget or learn how to manage your finances. You're never going to be able to be independent ever. And you take advantage of it so crazy. Dude, your mouth is never delatched from those. Dude, you are still right up on them. I've tried to make budgets like with her,

like not with her money, but like with my own money, but like go through my spending with her and then make budgets based off of what I make. Yeah. But most of the time, like I've done it. I always make less than like what my bills and stuff are. What's your rent?

My rent right now is 1695. I was. splitting that with somebody. And so I was only paying like... Get a roommate. Again. So I have my husband living there and he's actually going to start getting the housing allowance from the Army. So that will cover our rent completely.

There you go. So you are well within your budget. There's no other minimum required bill that's here. Yeah. There's no other minimum. There's, you're totally. Even when you had a roommate, you should have had room in your budget. Unless you were budgeting like, like this shit, like $800 for fun or something.

then you're right you probably couldn't afford it. $608 in this other collections. Okay, so cash steps your checking account apparently. Yes. Because we're a child. Okay. I couldn't, every single time I signed up for a bank,

they like wouldn't let me. And then I finally signed up for U.S. bank, but then they held my money hostage. Like I literally had $1,800 in there. Yeah. That they wouldn't let me pull out, wouldn't let me transfer. What was the reason? No, no, no, no, no, no, no, no, no, no.

What was the reason I had it? No. Oh. They would tell you why. Oh. They said, 46 cents in here. They told me there was nothing wrong with my account. ASPCA donations, $36?

So. You're stealing money from your mom to donate to someone? That was for, to get stuff for a game. That was probably not a smart decision. Like you could get like free coins if you did a thing. But I canceled it. For what? I can't remember what game it was.

It was like just one of those like stupid phone games. Oh, you're fucking stupid gems. Bingo. That's what it was. Bingo! Your mom's not old enough to steal money for Bingo. And you're definitely not old enough for that shit. Bingo?

That's my favorite game. I went and played bingo all my 18th birthday. Okay. You know, that's fun, but also. A Lego set is a gift that always clicks. And clicks? Mom, look. It's so beautiful

And clicks For every nature lover Choose a Legos A gift that always clicks We're not getting like We don't That's a form of gambling in a way And we don't get to do that

When we're in debt And relying on mommy to live Yeah that's why I realized that was stupid Right after I did it and I canceled it Oh okay 36 bucks there Pokemon Pokemon Pokemon Pokemon. What is this? What is this three Pokemon charges in a row? 141111.

What is three Pokemon charges in a row? I think one of them was for the Pokemon pass thing. Pikachu just robbing you? One of them was for like not the Pokemon pass. What is it called? Like the community weaker. I don't know what it's called. But it's like you buy like a pass and then because I play a lot of Pokemon Go. There better not be any more Pokemon. What are all these Apple bills? 416 520 these are they have to be in at purchases 416 520 312 more dollars what are you and then more apple bill $4.16 cents $4.16 $14.56 cents $22.88 cents $3.12 cents $7.20. $7.28 cents what the

are these? Some of them are subscriptions for games. Games? How many games? Like how many games? How many games? Subscriptions do you have? I currently have... Is this like your addiction? What is happening? At that point, I had two. What's that point?

This is now. Well, so I had, um, I canceled my bingo one, but I had like a bingo, like, a bingo, like, subscription. I actually had three. And then I had one for Yotsie because I didn't like the ads. You're 80. Um, and then I had another one for like this, like, um, like paint by number or whatever. game on my phone. Buddy, this is way too many charges for just a few games.

No, and then some of them are also micro-transactions like within the games. You have to get an extra dice and yachtsy? Yes. You pay for it? Actually? Oh, my. Or not extra, but like an extra. Yeah, I guess actually, yeah, extra.

So you can like restart your turn and stuff. Restart your turn? Yeah. So you're paying to try to get a full house? It's ridiculous. Yeah, sometimes, like, I'll pay to, like, get the... Continental kennels. So that...

Centennial. Centennial. Centennial. Yeah, centennial. That was boarding my dog. How long? A month. I was in South Dakota for a month while my husband was training.

Why didn't you take the dog then? A month? I couldn't be away from my dog for a month. Yeah. That's insane. I'm actually trying to rehome her because I can't take care of her. Why? I just don't have the time to.

What do you mean? And like she... What do you don't have the time, dude? Do you know what you f***? Do you don't even do a job? She will, well, so I'm just... You just sit at home and go, go... I'm supposed to go into work, but I can't because of her.

She cannot be created. She has to come with me. She has such severe separation anxiety that she will literally piss and shit all over my floor and destroy things. Okay. Well, that's different. That's less you not being able to take care of her and more, uh, she might have behavioral issues that are on, but did you work with like a trainer or something or like anything? like, or maybe, maybe.

medication? She's on medication. She's just... I'm not a dog expert. She can't do... She just can't exist without, like, other dogs, pretty much. But I don't want to get another dog, because I know I don't have that. Like, I can't do that.

So I had to board her while I was gone in South Dakota. Because my dad doesn't want her in the house because of that. Okay. Well, it might be one of those times where rehoming. It actually might be the thing to do. I don't know though I'm not a dog expert But you know if it means they live a better life Then that's what matters

But you door dashed 7-11 I can't remember what I door-dashed from there Probably Can you doodash from 7-11 I know you can door-dash like slurpees And like food stuff Honestly I have no clue what I door-dashed from there

I've never seen that That's a first You may have been the first person to ever do that Anywhere Okay, more Apple 963 McDonald's 3542

Holy expensive McDonald's I might have been buying it for somebody else Little Seizers $46 from Little Seasons Oh, okay So my cousins were spending the night

That's why I spent so much at McDonald's. So you use your mom's money For your cousins Do they know that? They're all little So they wouldn't care They love when

Little Seasers Door-Dashing Denny's Buddy You got a pick like Little Caesars and the Denny's were also for the kids. I actually did get money for the McDonald's

and Little Caesars from my cousin, but it was put into my YosBank account. Denny's only meant for like 3 a.m. though. This is like... Yeah, they wanted Denny's for breakfast and I didn't want a $368. That was my car payment.

I was sending it to my mom. Steam games, 520. Will you get a game? What? $52 steam down here. What are you getting? that is for CS2 CounterStrike 2 I buy

You're getting skins? Yes and then I sell them for like Hopefully a profit but I sell them for a Steam profit so that I can get games I want on So you can sell them like in Like on like external websites where you can get real money Which is what my husband does because he gets like rare stuff But I sell it on Steam so I can get money for Steam games that I want

And usually I'll make a profit off of like the CS skins though and stuff. But what's the profit? Like two, three dollars? Sometimes. You can't be doing something crazy here. Sometimes it could be, I think the most I made was like 75 off of one skin. And I had only spent 20 bucks, but it wasn't even 20 bucks. How many of you also lost the money off of?

Be real. I don't know. A lot. That's how it goes. Yep. So, yay, we had a winner. But combine that all, aggregate it out. Who knows? Okay.

What's this square Nix? That is Final Fantasy. Buddy, is there a game that you've ever forgotten that you don't just spend money in? Like, this is crazy. You're obsessive. And none of it's even your money. It's kind of gross. I feel kind of gross.

Zoo, I think. not a fucking game games $100. $5. $11 to $6 and $6. Yeah, I was, uh, that one was kind of peer pressure. I was on a voice chat with my husband's friends and...

Your husband's friends. Yeah, they all do that too, but they all also don't have bills or lives for that matter. Um, so... You barely have any bills. You've just... They were, um, kind of,

what is it? Like, what is the word like peer pressure you spent a hundred ten dollars on a buffalo wild wings door dash that was for my friend's birthday for um yeah but you spent it wasn't your money sure but you spent it like this is just this i don't know if i can actually counteract this i don't know if i can get a plan for you because you it's again you're just on the you're just you're you're you're stapled to it it uh you that's it's a you can spend whatever you want because none of it even matters because you're just taking it all

TebX. That's Minecraft. Minecraft is a one-time payment. It's like, I play on servers where you can do like micro-transactions to get ahead in the game. To get ahead in online servers? Yeah. What are you getting ahead in? Like you can mine slightly quicker?

Pretty much. Oh! Just, oh. Just champ your axe. Just go to the nether, get your experience and enchant the axe. The picket. On those servers you can't do that What do you mean you can't do that?

You can't play the fucking game of the servers? Why would you even play in it? Well, so on the servers you have to like, I play like prison servers where you like mine. And so it's just all like mining but it takes a really, really, really long time to like get anywhere. So.

Maybe we should play on a different server where you play real Minecraft or something. I don't know. That's such a wow, they won. They won. They won. They're like, let me put something, someone. Let me make a fun game.

most boring game ever and make it incredibly hard for anyone to play unless they give me more money in order to do it and you fell for it yeah i i can admit that i definitely steam steam steam this is eighth day nails the eye was getting my nails done um jersey mics microsoft is that is that more minecraft um microsoft would have i think that's like one of my I think I think Microsoft is my whatever you call it like my word or whatever like

I'm not 100% sure How much do you spend in Minecraft? Probably you got like 5,000 Are you fucking me over the course of what? Over the course of like two years Two Yeah about two years I don't know

What can even be done with this dude $20 to Starbucks Great you got some burnt coffee some beauty products from gloss demon bunny bay hundred fifty dollars oh that's my lashes oh god why don't you just paint them door dashing Safeway you're the only person that door dash is gas stations this is so weird Safe is a grocery store oh at least in Washington and you door dash your groceries uh sometimes I do um how much was that for and then your door dashed fridayed apple Applebee's circuit

End of the 3 Oh so that So that was when my husband came home from training And we wanted to go on a date night So we went out to Applebee's And we also went to Hadriday presents In the red corner

The Undisputed undefeated Weed Wacker Guy Champion of hurling grass and pollen everywhere And in the blue corner The Challenger Extra Strength Hadaday

eye drops and work all day to prevent the release of histamines that cause itchy allergy eyes. And the winner by knockout is Padaday. Padiday. Bring it on. Like this paranormal cirque. Well, call your mom and tell her thank you for paying for that because you didn't. Legendary donuts, it better have been good for $36. Spencer's gifts. I guess we're getting things to stick up our ass.

Hot topic, a little less rated R version. Venmo. This is crazy. Steam levels. So. $59.8.2.2.000. What the fuck? That is to like... And $107 to steam levels. That's to like up your like level on steam.

I wanted to make my level higher than my husband's because he purposely bought more levels to be above me. What are you guys? What is your life? What is your existence? This is that's, that's, I don't even know what to say. I have nothing. I have no reaction. That's this crazy. That's crazy. What is there even to say? That's crazy.

Why the fuck do that? Who gives a steam point? What? I'm just very competitive in that sense. You're not even winning. You're buying it. That is true, yeah. Really?

You feel a sense of pride winning anything you cheat in? Sometimes. That's, I wouldn't want to play a game with you. Wish you were a competitive. to get out of debt. Wish you're competitive to live a better life than the people around you. Wish you're competitive to try to not, you know,

still be attached to the mom. You know? Wish you're competitive for you to live a better life. But, nope, you're competitive to get. Steam points. What a joke. Wendy's Venmo.

$2,000 in retirement. I'm actually kind of surprised. I would have more, but a few years back, I got into a really, really, really bad fight with my mom. And we were not on speaking terms. And she had fired me. And I wasn't going to be able to afford to pay my rent. She fired you. Yes.

Because of an argument? It was a pretty bad one. Go on. Just give a little. About the argument? Yes, yes, yes. I can't remember exactly what it was about. Like my dad was like, like my dad was being kind of a dick.

And so I got into a fight with my dad. And then it proceeded to become a fight with my mom. And I kind of, I threw a taco at her. And I hit her golf cart, her brand new golf cart with my car and dented it a little. The fuck are you? So she fired me. She didn't talk to me for a while. And that was also like right after my grandma died.

So tensions were just really high already because of that. Um, it kind of all just boiled over. Um, so I pulled out my 401k and I did do the responsible thing. I did pay my rent with it. I paid my bills and everything. I didn't spend it on stupid. So you get separated from the teat and you've got to drain your retirement because you don't know how to budget and stop so any money on bull. Because again, I mean, how much money do you think you spent last month? Again, what came with your payroll? What gave me through payroll? Yeah, the 2,500, just about. Okay. What do you think is spent?

6, 7,000. And you're just, it was 5,300, which is insane. But you're just like 6,000, like it doesn't even matter. Why are we... I... What can I do? Please help me turn this into something productive. For you.

I'm sure it's productive for someone out there that's like, I don't want to be that. And they're like, you know, they'll actually put into action. This helps people keep motivated as they're getting out of debt and all stuff. For some people, it's just entertaining. So, okay, it's providing good out there. Yeah, yeah, yeah, yeah. What the fuck

can I do for you? Because that's this insane. Like you didn't even get, 6,000, it's nothing. It doesn't matter. What can I do from you? Do you even want to change? No, actually, no, no, I want you to answer that first. Do you even want to change? Do you want your life that is happening right now to be different or are you just okay with where you are?

I honestly, I want to be different. I want to live the life that I live, but with my own money. I don't want to. Might not be able to do that unless you three times your income. So is that the goal then? Is that what we need to do? Um. Does that change in the responsibility?

Is that not just lifestyle inflate yourself potentially? I don't know. Um, because, I mean, our, like, our income because now it's me and my husband. And so he'll be getting that housing, which is like, I think he said like between like 2,000, 2,500. That'll cover all of our bills. So instead of being spoiled from her mom,

you're going to be spoiled from your husband. No. So that will pay that. And then I wanted to try to be a little more responsible. What does that look like? Putting extra money. towards my car. Really?

Instead of just paying, like... 30 minutes ago, you were like, you don't care if you miss a car payment except for your mom's on it, so that's why you care. And that's why I want to finish paying it, um, because I don't want her to have to deal with that anymore.

Is the car the problem here, though? You spent three times what you made. And of that spending, 48% of it, 41.8% of it was just on like games and bullshit, steam and crap. $514 hours was going out to eat. Grocery store was one. 1.5% of that spending.

Housing was only 13.3% of that spending. Other large purchases with 24.8% of that spending. The other large purchases was Chewy. Venway now, 1,200. Parchment University Docs, ATM would draw $205 in county records. Yeah, the county records was my marriage license. The chewy was stuff. It was medication for my dog.

I don't need an explanation for all of them I'm just saying is the car the problem it's $386 $7,500 on games so much as you bring in from your income so I don't know you might need a detox from the games honestly you might need to get away from that

you might need to find other things to do because you can't play a game without giving into the pay to play your EA's like wet dream yeah I did notice that when I was in South Dakota for a month I didn't really spend money on games. Maybe you guys need to move to South Dakota.

I think I'd spend more money living in South Dakota because all I would do is play games. So your mom doesn't know you built up the credit card. I don't think she does know. Okay. Then I don't think there's honestly too, like you need to figure out a lot of things. But I think a good first step would be

at least taking some responsibility. I want you to call her, tell her that the card should just pay it off. you built right back up again and it was on Close in Timu and I Does she know about all the money that you transfer? Yes.

She does know about that. Does she know where it goes? Yeah. And she's okay with it? I'm still so confused about this. I mean, she, I don't think she is, but... What do you say about that? I guess, I think part of her, like, reasoning

for not, like, caring too much is, like, we grew up. up really poor. Like we were on food stamps and my parents like pretty much like were, I mean, they were more responsible than I am obviously because they had two children. But they still like, we were just like dirt poor. Like I couldn't even like go out with my friends most of the time if they were going and doing stuff. So I think that and that's also part of the reason why I spend so much because I just get so scared that we'll get that way again. But my, spending habits kind of. Okay. Well, if she picks up,

I want you to confess that you blew up the credit card again and it was on F-F-Fitting T-Moo. And then if I get the opportunity to talk to her, I'm going to recommend that she starts waning you off so that you become an adult and I'll tell her why. So, let's give her a call. Do you want me a phone speaker? Absolutely.

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click the link in the description below and schedule a free consultation today. Again, check out Wiser Advisor at the link in the description below. Your future self will thank you. Hello. Hey, mommy. Hey. I just wanted to let you know that this is anonymous but recorded. Okay.

And also, my name is Heather. Oh, God, I never would have gone with that. Okay. So, I wanted to confess something to you. Oh, God. So you know how you pay. off my credit card when I came to visit? Yes.

Well, after you had paid it off, I had immediately, what, like, yeah, I used it on Timu and Sheehan. Oh, I do. I'm not surprised. Yeah, I wanted to let you know that. Thank you. Okay. I have to ask, hi. You're not surprised.

Hi, I have to ask, my name is Caleb, I'm the host of the show. You don't seem to care too much about that. Yeah, I mean, I guess I'm so used to Heather. We'll believe it, it's okay. To Heather, kind of borrowing money, you know, so it doesn't surprise me that. she did do that because I know that she does rely on me a lot for um you know she knows that she could just like in fact today I was just looking at my account and I noticed there's like six or seven like cash up withdraws that she'll take 50 bucks 25 bucks um whenever she needs it and it's

something that like we've talked about and I'm like okay you've got to stop doing this but um It's not like for me financially speaking I it doesn't like it's chunk change to me I guess so it like if it meant I couldn't pay my bills I'd be a lot more upset but my focus isn't so much in helping her out I like helping her out and I'd rather her you know if she needs money for me me get it while I'm alive versus when I'm good but I I I do want her to get to the point where like if I was gone or we had nothing that she could be able to support herself but you just because, like, it's been ongoing like this is kind of like an ongoing, like, you've got to, you know, be more responsible.

You've got to do this. And I guess it just, it isn't as big of a deal to me because it's just something I'm very used to. But. Do you know how much money that she's taken from me over the last five years? I don't. I'd be very interested to figure that out. Did you figure that right?

It's about 200,000 hours as far as we know. Oh, my God. For real? Yeah. Is that include like paychecks or is that just from like cash app? From our conversation sounds like cash app. Oh my God, child. Also, so she, in terms of how much she makes, you know, working for you,

she brings in $2,500 net after, you know, everything. How much do you think she spent in this last month? Oh my God Does that include the tummy tuck That's still a surgery No that was not in the statements That was not included in that No she used her card for that

Oh yeah so that doesn't include stuff that I buy Which isn't as frequent though usually she just takes the money No I have no idea She spent Even though again what came in was 2,500 of her own earnings. She spent $5,378. And actually, it's more than that because

when she came to visit me, I just gave her my credit card and let her use my credit. That was the last time we came to when we came to visit last week. Yeah. Wow. Okay. I do have to ask. And I know that I'm really bad. I know I'm 100% an enabler and, you know, I don't want to be and I

and I know or sorry, Heather doesn't want me. to be either. But I guess it's just kind of hard, like, you know, like trying to make those decisions for somebody else and feeling like she's like she has full access to all my stuff. And she just takes it. It's not even like she asks, you know, like she'll just take it. And so I just kind of don't know.

Why? Like, I'm really bad enabling her. Why are you allowing this to continue? Because she's, you know, from her own confession, she thinks she's been independent. three months of her entire life, like truly independent. And I think it's creating a situation where if anything, and I obviously, I hope this doesn't, but if anything tragic were to happen, I don't know how she would survive. I really don't.

Right. And I agree with you. So this is something that I hadn't really given any thought to up until more recently. And that's when I started, especially like after she got married and stuff. And I felt like that might be a little helpful because now she has a husband to, kind of keep her accountable to that spending a little bit more too. But it is something that I have recently started to think about. Like, okay, so what happens, you know, if, if I pass or I lose everything or whatever and I

don't have the ability to help her anymore, like what would she absolutely do? And so I don't really know how to help her. I'm willing to cut her off. I'm 100% willing to do that. I just don't know how to help her kind of figure out like a real budget and really sticking to that budget, especially being from around a state. Now we don't live in the same state, so it makes it a little more difficult. But I'm happy to help in any way I can't.

We're actually putting her through a whole budgeting program, so she'll learn that and she'll have access to a bunch of different education, and she has access to us for help. I highly recommend cutting her off now. Instantaneously, maybe not. I don't know if I'd give her access to be able to pull whatever she wants. I think maybe she would need to ask for things specifically. Yeah, I think she needs to end that.

I don't know how to just, I don't even know. She's the one that knows all. Like, I am so stupid when it comes to apps and things like that. And that's actually one of the first things I was going to talk to her about when she came back was, okay, how do I, how do you put yourself? Because, you know, I don't know how to do it other than calling the bank. I don't even know if that would help. So, yeah, having her, she would have to. And it's just cash app.

Everything else she does have to ask for, but she doesn't because she knows she's got that cash app. Yeah. I'm going to put that as one of her first goals then is to take accountability and do that. And then again, if it's more of a wane off, like wean off, that's okay. But I do think she needs to start getting some independence, especially going into this marriage, too. Because I don't cause from the conversation, it sounds like he's excited to get some of the money too when they go and they just have fun. And like, yeah, they need to be able to be independent. Yeah, and I absolutely agree.

So any way that I can support. And I don't know if like weaning off maybe just says, okay, you know, set an allowance, you know, lay up tiller preferably zero dollars. But maybe it's up to this much a month you can end with borrowing. I don't know. I don't know if you have any idea. I'm totally open to whatever they are. Now the final question I have is the word borrowing was. continually used for this money.

But to me it seems more like she's just getting that. Does she owe this back? No, I don't loan money to anybody. And ask everybody I know I'm very like I loans ruin relationships. And so I don't believe in them. If I give you money, I give you money, whether it's $10,000 or $5. Like I don't expect it back. If I, if I give my money to anybody, I always expect that that money is just gone.

Kind of like gambling. If I want to go gambling, I assume that I'm if I take $500. bucks. I'm, I'm, I'm, maybe without it, right? You know, so that's how I look at, um, if I can afford to give the money to somebody. I do it. If I can't, then I just don't give it to them. Yeah, I actually agree with you on that. When I give money, I, you know, it's, you know, I don't expect to get it back. I don't, uh, complicate relations with the loan. However, that being said, I don't think this money is actually helping it right now. Because it's literally all going to video games, all of it. Oh my God. Oh, see, I didn't know that. Oh, yeah. It's just in-app purchases. And it's, it's,

It's crazy. Well, hopefully she'll send you this episode, and you can see we go through every single purchase. I plan on watching it. Yeah, when she told us for like, we're having a watch party, we're going to watch. Because I want everybody to be able to kind of support her in this, too.

Like, you know, and even my husband hold me a little bit accountable and tell me, you know, like, you know, make, you know, if he has to tag me or whatever. I just I want her to be able to be able to budget and be comfortable, like you said, especially with the marriage, you know, I want her and her husband to be able to put money away,

have a savings for them for the future, or for whatever they may need it for. I don't want them, you know, because I don't think he's not a big spender like she is. So I don't think, I think that that could be a real issue with their marriage, too, if she keeps spending like that.

Perfect. Well, thank you so much for your time. You know, we're going to wrap up this episode, but we want to do a follow up with your daughter in about six months and see if this actually changed and if she's actually like kind of cut off. So, you know, I'll kind of, you know,

virtually from here, hold your feet to the fire a little bit on that as well. Hey, I love it. Okay. Okay. Cool. Well, thank you so much for your time. I really appreciate it. No, thank you. You guys have a great thing.

You as well. So, yeah, we want to have you on the follow-up channel, which, by the way, there's some actually great ones. Link in the description below. And that's what I think. The main thing for you, I don't think sitting here

and making a budget is going to be what makes sense, because that's not your issue. You're going to figure out how to make a budget through going through the program. Because if I can make you one, it's just like, you're not going to do, that's not what's solving. I need you to disconnect it from the cash app,

sit down with your husband, figure out what your goals are, figure out what you want to do. You need you to actually start taking accountability, be mature, stop taking money from your mom, have those conversations. Even if it's a win-off, that's okay, like, fine. If it's a marathon, it's not a race.

We're just, we're trying to get there in the end. And we'll do a fall up in six months, but that's the first step I need you to take and then go through our educational program and I need you to cut down the bullshit to practically zero until you're out of the car debt and out of the collections at a very, at a minimum. I really think you can.

And then I think you can do really good on your retirement. Yeah, I wanted to put more in. I just do the minimum that like the company matches right now. And that's fine, that's a 100% return on your investment. investment and you will it's not going to really outside of the match it's not really going to compete with that 13.5% interest remember what we went over so pay off that debt pay off the collections grow up let's see a little bit of progress but mostly the separation growing up and having started

to make a budget and trying to follow and cutting your bulls down that's what I want to see when we meet okay okay okay I'm going to get you a hammer financial score then we can compare it to whatever the hammer financial score ends up being next time Spending a budget, I mean, it's zero out of ten. You spent compared to what you made and you had to take money from your mom and debt you have collection, so it's a zero out of ten. Merchant is funding. You don't have anything in saving zero out of ten retirement.

You do have. What was it, 2,500? Something around that. At 21? You know, okay. I'm shooting for a solid four out of ten there at 21. Real estate, though, zero out of ten. So Hammer Financial Score, I think, that is going to round us.

I only round up. I don't really round down unless I. hate the person and though I was feeling that a little bit towards the beginning. I don't know. But that's okay. Your mom gave me a bit of happiness, especially since we're headed into the post show. That's good.

But one out of time is your hammer financial score. Make sure to stick around for the post show. Link in the description below. And you'll also find links to resources like our budgeting program and other things that I use and that you could use as well. So make sure to check this out and stick around for the post show. Today on the Financial Audit Post Show. Hey, go ahead and present Caleb his gift.

I might use the post show budget for these. I'm not saying this check. Okay, whoa, what are we doing in the post show? Kidichua, Minaisan. Welcome to my stream. I'm so happy all to join me today! We're gonna have a super fun time plane. To watch the Financial Audit Post Show, click the join button below.