Financial Audit - Failed E-Girl Blames Men For Losing $250,000 | Financial Audit

Episode Date: December 13, 2024

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Oh, for fuck sake, that's insane. That's so much money. And it's all gone. Why the f***? Ex-husband, military, ex-fiance one-dresteamer. Oh, gotcha. Ex-fiance two, cheater. You're going to be homeless again, because if you f*** this up, you have no fallback if you do lose your housing.

Don't hurt yourself. Why are you being a fucking self? Cyber Monday sale ends today. 20 to 30% off all of our educational products. Go to Caleb Hammer. dot com before the day ends. Hi, my name is Olivia. I'm 31 years old.

I live in New Orleans, Louisiana, and this is financial audit. She zoomed through that intro, just like she zoomed on over to Austin. Thanks for being here. What do you do for living over there in New Orleans? I am a paralegal. Paralegal? Mm-hmm. Could be a lot of time, not a lot of money, depending.

Okay, what do you making? $50,000 a year. Okay, decent. New Orleans, I don't know the cost of living in New Orleans. I do know what's the declining city population-wise. So that usually means it stretches a little further. How do you feel living in New Orleans on $50,000 a year? Comfortable.

Definitely I can pay for all of the things that I need to pay for. Can you? I can pay for the things I need to pay for. And some of the things I want to pay for, and a lot of the things I shouldn't be buying. So comfortable is they can pay advances. Yeah. Wait, pay advances.

She doesn't even know. Wonderful. What do you mean pay advances? We'll get into that. Good. I was curious. That's why I wanted to kind of wanted to hit that out of the gate because I was like wondering, does she even know? Because that just sets a good precedent for how the conversation is going to go in where your knowledge of your own financial situation is. Uh-oh. What do you mean pay advances? We'll get there.

Oh, okay. What? I'm scared of it now. What? You're actually like that? That just felt really weird. What do you mean? I mean weird. Yeah. Is this how you present yourself? Yeah.

We don't really know each other, so I just want to... I am a very strange human, yeah. That's okay, totally good. Yeah. I just want to make sure you're not coming on here and going to go... No, no, no. I'm just a strange human. Okay.

Don't face it, me, in that look of town. I know who I am. What? Uh-huh. And so, okay. $50,000 in New Orleans. I, you know, you're... We chit chat a little bit before this.

I mean, just the living situation isn't bad in terms of... of your monthly expense for the 50,000, what hits your account on a monthly basis? Between four and a half and six thousand a month. Okay. Then you should be doing fine unless there's something crazy that I don't know. Four and a half. Wait, how does it vary by a thousand and five hundred? Paralegal is not my only stream of income.

Oh, what else? Okay. Well, we bleep the word because it leads the demonitation, but essentially it's the things that are under the bras get displayed into the internet eyes for money. Okay, you actually do that. And that comes in, and if we talk more about that, unfortunately, it has to be in the post show or else we're demonetized in our YouTube membership. That's what we learned, and that's what our people over there have told us to do.

So maybe we can talk about that one on the post show, but let's get the income part of it. And say content creation, because I do also Twitch stream sometimes. Okay. I was a full-time content creator through COVID, and then I dropped off. A lot of people had the COVID boom in content creation. A lot of people were at home. A lot of people had eyes on screens.

Did you lose it or did you leave it? I left. Why? Because I didn't like it. Oh. I didn't like it. Why are you doing the ooh and the, this is Twitch. Oh.

Playing video games. Why are you doing both if you didn't like it? I didn't like it when I had to do. do it full time, but when it was more of a hobby, it's still entertaining. It still provides income and it's low effort. The same with the Tatis? Yeah. Okay. I post like once a month and I still rake in pretty good money. Now, this is what I always want to ask. Do you enjoy doing that? Do you like doing that? Or is it something you feel you have to do? Because whether or not I support it is dependent on that answer. Um, I would say 78% of the time I enjoy it. Okay.

Well, if you enjoy a job, even like a great job, you don't enjoy it 100% in time. So I will accept that as a, I do it because I like it. Fair. So the $1,500 a month, Ebs and flows because of those positions? Okay. Okay. In this last month, I mean, what do you think came in total? Across everything.

We have some deposits. We got some payroll. We got spicy money and Zell and Cash Ave. Yes. So the Zelle. Is that alternative income? More? No, that is just the alternative income.

I had spicy as 830 and then more zels of an extra 500. Why would you get zeled through that? Unless there is there extra off-site spices? No, so I have a business checking account and I zell it to my personal account. Okay, so we can just end that then. So it might be a little duplicative. Okay, yep. So how much do you think came in?

Total across everything. Last month, I would say probably 5,000. 4,000. So what is wrong here? Because even with all these incomes added up, we made it to $4,097.60, which is on the low end of your estimate of 4,000 to 5,500. So how are we at the bottom end of the barrel with all these different income streams, which are not insignificant. The spicy was 838.

That's not bad. Don't see anything for Twitch. No, I didn't. So this is the bottom of the month? Are you sure this is the bottom, bottom, bottom? Or do you make lower than that sometimes? No, that's the bottom. Okay.

So I'm going to, I'm going to then trust you and say $4,750 a month. Okay. On average. Yeah. Yeah, I think that's fair. Okay. So, in general, what do you think you spent? Probably a little bit more than I bring in.

So probably round five. Oddly enough, no. You actually spend a little less. Oh. Which is weird. because I don't know why the money maneuvers that you were making in terms of debt going up in terms of really dumb stuff were the case. It's extra dumb when people don't have money and there's no money going in and there's no money left to go out. They take these alternative paths through growing debt or having something bounce or anything like that.

You didn't have that though. You didn't have the insignificant money, but you still had the absolute stupidity in the finances. Yes. Why do you think that would be the case self-assessed? Money makes me really anxious. Then why are you doing it incorrectly, though? Because when I'm anxious about something, I construct ways in life to avoid the anxiety in certain ways.

And your avoidance of money inside who would be having a fully funded emergency fund being on track for retirement, making sure you can never be financially. But instead, you are doing the... Yeah. And have no preparation whatsoever to avoid being... Which means if you get into a bad financial situation again like that or manipulative or whatever it might be, you have no escape route.

You have no ability to fend for yourself. Oh, you don't even know the half of it. What? That's not funny to me. What? So back when I first got into content creation in the first year and a half, I made almost $200,000. Oh, for a sake. When was this?

It's insane. That's so much money. That was the end of 2020. Yeah, oh, that's right, COVID content. Okay. Yeah, and it's all gone. Oh. Yeah.

I had a financial advisor at the time, but he wasn't really participating. You mean he wasn't participating? So I had, so before I'd gotten him on my team, so to speak, I was putting aside 30% every time I got a check in for my taxes and everything. Good. Good. I had it all just sitting and ready to go. You've built good bones, okay. Not reflected in here, but...

Yeah. And he told me that it would be better to use that money to pay off my credit cards because the penalties I would have gotten from my taxes were less than the interest I was making. I could see his mathematical reasoning on certain things, sure. Right. But IRS is the people we don't with typically in my book, but go on. Well, and then the CPA that he hooked me up with, filed my 2021 taxes and then kind of stopped responding to my messages, so I haven't filed since.

How was this happening so much on this show? How is this? How are there so many people out there not filing taxes? So 22, 23, and soon to be 24, you have not filed. Not that you would have for 24 yet, but it's about to be. Really? So two years before you haven't filed. How much money have you brought in?

How much money did you bring in in in 2023? I think 75,000. Oh, good. How much for 20? 2022. 100. Oh, good. You're going to owe.

So much. So much. Yes. Yeah. Well, I mean, what, 20 to 50 maybe total, 20 to 50 depending.

Yes. And then will they, they will add fees? Will they add interest on top of that? What is it? Where are they calculated? Have you heard from anyone? Is anyone at the IRS like,

oh, hello? No. And in my defense, I have been trying to get them file. No, no, no. I have contacted three CPAs and they keep stop responding to my messages. You're going to sit down to the same financial advisors I use. It don't mean money.

We'll pay for it. You're good. Everyone out there in the audience gets a free session, but we'll pay for your whole thing either way. Oh, that was the other thing is the first CPA I was working with wanted to charge me $1,200 to file 2022. I mean, that could make sense. I paid my CPA a lot too. The more complicated your money gets and the more they can save you, of course, the more they're hard. Oh, absolutely.

And I was happy. I don't know if that's incorrect or bad. You just try to say that like it was immediately a horrible thing. No, no, no, no, because I was like, okay, I can pay this, just send me the engagement letter. Just I'm ready to do this. This was halfway through 2023. And I would be like, hey, where is it? And then a month later, hey, where is it? Month later, hey, where is it?

And he would just. That's when one month later I go get another CPA, by the way. Yeah. Yeah. I was going through a lot at the time. So. Is there ever a period? No offense.

Again, life is life, life is life. I'm not like trying to diminish it. Is there ever a period in your life so far or we're not going through something? Because it sounds like every single year is something else. But at the same time, the more and more we go through life always, and I've had so many people on the show that have done what you're doing and then do what you're going to continue to do if you go on this path.

This was bad, this was bad, this was bad, this was bad. So much was going on, so much was going on, so much was going on. And if you always use that, never get ahead, never try to be actionable in your way of trying to actually move beyond the life is against me at all times. Oh, no. Then you're going to end up in the path where you have yourself. And you're going to just make it worse because you're never going to recover it. And the excuse will always be something's going on. No, I definitely am not in the boat of, oh, my God, my life is so hard for me.

It's definitely I've made bad decisions. I've put bad people into my life and let them stay there for way too long. Okay, you haven't paid your taxes in three years. There's a lot of time there to make a move. Yes, and again, this is, I'm now on my third CPA who I've been waiting. I would have mass emailed a bichillion CPAs.

You try three in three years. That's one you try to contact a year. Come on, I can't give you praise for that. I know. I'm sorry, you tried to use that as a good thing, but it can't. There's 12 months. 12 months.

You did one out of every 12 months. We can't be like thrilled at ourself for that. Oh, Pat's on the back there. That's fair. No, no, that's fair. Gotta take care of your shit. I know. They'll come and garnish you.

Well, and I, the one really good thing I did is because... 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. Oh, I love to hear those. No, when I got divorced? Divorced? Like, when were you married? When I was 20?

Well, I don't know. I've lived a lot of life. Exactly. Well, that's what I was seeing. I've been divorced and then engaged twice after that. Oh, good. What? What?

Sips? Ah. So the first engagement was to a now rather large TikTok creator who was wildly active. Mostly financially. That was when I got into content creation. He's a big Twitch creator right now? Mm-hmm. Okay.

I'll ask off camera. Do you want me to say it like now? Oh. Or just like wait for the post. I don't care talking about it. That was half of my content for a year. Who? Daddy diddo.

You know him, Jake? He does a lot of like, oh my God, women are bippity boppity, women are property. And I'm so funny. But, ooh, woo, I'm like a little Beto boy and tell me I'm a good boy. He's gross. I don't know. I digress. What's his name?

Slash bippity boppity? No, Daddy Ditto is what he streams under. But no, so he was wildly financially abusive. And that's where a lot of... And you got engaged two more times? No, that was the first engagement. Then you got engaged again? Yes.

To be fair, I didn't know about his crap until I caught him falling to other people. So it was a cheating thing. Yeah, yeah. This is the final chance at the end of tonight. Our Black Friday Cyber Monday sale ends. Right now, it's the best price ever on our entire class educational bundle. It is 33% off. You can also get 20% off everything else, including merch.

merchandise. In reminder, we've added four brand new sections to our Master Your Money Budgeting Program. This is literally the best price you'll ever get. Make sure you check it out now. Link in the description below or go to Calebhammer.com. You're not engaged currently, are you? Okay. But anyway, after I got divorced, I had to move back from Italy. I was overseas. He was, he was military. And so I was living in... Did he? No, no, no, no. This is my...

This is met, so Daddy Ditto is the ex-fiance. My ex-husband and I are actually still pretty tight. He's the sweetest guy on the planet. It just didn't work out. But when I moved out of Italy, I was... The cheater? No. That was another ex-fiance. Oh, I'm so lost.

I'm so sorry, guys. No, it's okay. It doesn't matter. Ex-husband military. Ex-fiance, one Daddy-Detto streamer. Oh, gotcha. Ex-fiance, two, cheater. Now single. Now avoiding at all costs, because apparently I make that decision.

I searched daddy ditto and I see nothing on Google. Really? Like ditto like the Pokemon. All one word? That's a lot of followers on Instagram. Yeah. I wonder where those came from. What?

Are you saying he pays for them? No, no. When he and I started dating, he was at... I think I've seen clips. Yeah. When he and I started dating, he was at 30K on TikTok and when we broke up, he was at 250. He looks... Gross.

I hate to say, well, I was going to say we look a little similar. His beard is just a bit more scrappy and I think he has a few more pounds, but I don't look completely different. I don't know. I mean, I honestly can't judge that very well. Okay. It does not take care of himself. It doesn't let other people take care of me either. Anyway, I digress.

Self-assessed. Where do you think your finances are today? Zero to ten. Zero being the absolute worst, ten being the absolute best. One. Okay. Okay. If you want your Hammer Financial Score, it's free. See where you are. Check it out. Link in the description below. And if you want to come here to Austin, Texas, come on over and talk about your exes with me. I mean, I like a good little glass of tea here and there, a little sip, sip, sip. Come on. Calebhammer.com slash apply. We'd be happy to have you. All right. No, but the good thing. So when I got divorced. Oh, oh, we're back to it. No, no, no. I didn't finish the story. I got divorced, moved back from Italy, was living off my credit cards, and was at $25,000 in credit card debt.

When was this? 2019. And I paid it all off. Yeah. It was at zero. It was completely gone. I heard that. And then I kept moving.

Moving. Why are you moving always? Ficking stream online. I have on average moved once a year every year since I was like 11. Honestly, I've pretty much done that since I was 18, but I don't my finances with it. What do you mean? What are you doing? What are you not?

You're on your new arms. Where are you going to be in like a month? I would really actually like to stay in New Orleans. I'm in a really good situation. I'm a lot more stable. I have a job I really like. And it's all good things. So I'm hoping to stay in New Orleans for the foreseeable future.

How did you pay off all that debt? I originally got, I had one of my credit cards had an offer for a balance transfer, zero percent interest for 12 months, zero fee. So I did a few thousand on that. and then I did a debt consolidation loan that I paid off because I paid both of them off within the like allotted time frame. But she probably didn't change the behavior that got you in there in the first place because usually when people utilize those tools, they didn't change the behavior.

And then guess what? Your debt went back up. Who would have thought, right? I changed some of it, but not all of it. How many consolidations have you done over the time? One. I'm being told two. One instance, it may have been two loans.

I don't remember. But I know it was at one, they did all of it at the same time. All right. I want to get into this card. And these cards have little interesting little niblets throughout. Let me tell you. Okay.

Amex every day. Mm-hmm. We're sitting at $1,3005 again. I mean, your entire rent and utilities are 600, right? Isn't that what you said? 800. 800. This is what you told me right before.

Okay, cool. Awesome. With the money left over, obviously we need to set some aside for taxes because not all of it is. Well, is the paralegal contracting or are you doing that as a W-2? Salary. I'm W-2 salary.

Barely any money setting aside for taxes for that other kind of income, but... I was going to say that's why. That's probably why I overestimated the income is I have them withholding a lot extra for my taxes. Do you? Yes. Why overestimated your income? I'm asking how much hits your account in a month you is. Right.

So I did the math based off of like my annual salary divided. by 12. You don't know what hits your account on a monthly basis. Because that's all I was asking. No. What do you mean? Do you not look at your fucking like checking? Do you not look at anything that's happening in your accounts?

So I make sure that I have the money for a purchase before I make a purchase. But other than that, I try. Do you look at your accounts other than just, just literally looking at the number if it's there to make a purchase? And I don't think you'd do that again because I have things in here. You'll see This is just suggesting me That you are not informed Of your finances anyway

Obviously you don't make a budget Do you not make a budget? You've never made a budget Are you a budget? There's no budgets or spreadsheet I don't think there is I have rocket money on my phone Great, it's on the phone

But I don't look at it You are absolutely right I don't I have Okay, do you play video games? Yes You know like when you start the skill tree And it's like real small And you like have a couple

of little outshoots as you start to level up. Okay. I haven't leveled up any of my financial skills. I just got like a couple of good ideas and I started with that and I was like, this is fine and it's not. But obviously not. So why the fuck would you continue down that road? When it's not working, you readjust.

That's not an answer. I made it this far and I didn't expect to. What do you mean? Oh, come on. That's a horrible mindset. What do you mean? I really didn't. You did not literally think you'd be dead by now.

Really? I was hopeless for most of my teenage years. Hopeless, but did you think you'd be dead? Statistically. What? No, statistically you'd be alive. What do you mean? No, like, so, okay, have you ever heard of the ACEs scores?

It's the adverse childhood experience score. I was a psychology major for a minute. But no, so statistically, like teenage women. who grow up homeless and have like a certain. You were homeless too? Yeah, for like while I was in high school. Okay. Yeah, you went through a lot.

I'm sorry. I'm sorry. I want to focus on your finances today. I'm still here. So, well, and that's part of why like when I paid off of paid off the debt after I was divorced, I like really gave myself a pat on the back. And I was like,

oh good. I did it. I don't have to ever look at it ever again. And then I made all of this money doing content creation. And I thought I would be fine forever. And I just was kind of, you know, oh my God. I'm just a girl all my way through life.

Hey. And yeah, no, for the last especially six months, I've been really being like, oh, I need to stop putting my life away. So, ta-da. Jesse. $44 and then once it payment. $31 of interest. Like this time and time and time again, I do not know how we were here.

Again, you have, you're not unreasonable. You have self-assessed so many different things. You kind of understand relatively where you are in terms of finances. You gave yourself a normal score that actually makes sense for you. Even though you don't look at your accounts, why the fuck on a card that you cannot pay off that you want to pay off that you make more money than you spend? The face you made was funny.

Why are you spending $303 on it? Why the possible fuck, especially when $31.43.43 of interest is accruing. What are you doing? So the plan I had for the credit cards was that when I got them all paid off, each one would have a very specific use to maximize the benefits. You paid them off years ago. Yes.

And my plan was that net. I don't give a fuck about that two years ago. I know. Why are you doing this now? Because I know that I make enough money that I should not be in debt, which is why I started. But it's not working. So why would you continue it?

That's what's so confusing. Why would I continue something that's not working? Because I've been paying it down. No, it went up. Six months ago. I don't give a fuck about six months ago. The balance went up now. Yes.

So the reason I'm still using them is because, again, I have a plan for how I want to maximize the usability of it. And I need to pay them off. You are absolutely right. I have a spreadsheet that should pay them off. I'm working on it. No, you're not. It went up.

I'm making much more than it. You're trying to sound good, but you are not. I'm. You're right. You paid more than minimum, but it didn't matter because you still spent more than you paid off. Yes. Yes. You're trying to make it sound better than it actually is, and I'm not going to let you get away with that.

I'm using the tools I have poorly. You're using Cope to trying to make it through this conversation. It's all fucking Doordash. Great. Yeah, let's let that keep us in debt. DoorDash, DoorDash, DoorDash, DoorDash, DoorDash. Touch tunes. What even is that?

And then Touch tunes. Then Netflix, what the fuck is the touch tune? You got two $25 charges on there. $25. Help shift. Oh, I know what Touch Tunes is. What? What?

What is it? Oh, it's a jukebox app that you can play music when you're at bars. Cost $25? No, so you like refill it and it gives you credits. Oh, how much are you there? $50 in jukeboxing? That's the dumbest thing I've heard. One night I was trawling a bar.

Oh, for fuck. It was entertainment. Dude, you're trolling your finances. You're trolling your life. You're trolling your retirement. You're trolling an emergency fund. You're trolling you're going to be homeless again because if you f*** this... USAA knows dynamic duos can save the day like superheroes and sidekicks or auto and home insurance.

With USAA, you can bundle your auto and home and save up to 10%. Tap the banner to learn more and get a quote at usa.com slash bundle. Restrictions apply. You have no fallback if you do lose your housing. Yeah. And it's not cute. a little joke? No, it's not.

This is a cope laugh. Absolutely a cope laugh. This is I am uncomfortable and angry at myself and very disappointed. I'm disappointed to something I'm doing. I fix it. Again, you know. Well, some of us have better coping skills, okay? I'm doing the best I can with what I have to work with.

That's not funny. Again, my thing. What? Why are you facing at me in that look of tone? Because, I don't know, you're a bit odd and... Did I not start with that? I'm a weird person. And I'm trying to just fucking comprehend it, okay?

Good luck. When I'm looking at you, I'm just trying to think. So calm down. No. I was trying to understand, like what I'm dealing with. Like, what kind of creatures in front of me? Creature of the... Shut the fuck.

No. I'm literally here to talk about the finances. Why would I shut up? Because it was a moment of silence. We're allowed to have them. It's okay. I was thinking. You'll make it through it.

Don't hurt yourself. Why are you being a... to all of a sudden. There's a difference between being a, and making snappy jokes. You're making jokes? Yes. Because this is a joke, right? Your entire financial futures.

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there. I just forget to pay it. Then you can't have credit cards. You're not a credit card person. You don't know how to manage them. Close them. This is not a tool. You don't know what you're doing. It was for six months. But it's not. Six months is nothing. No, I know. And it's one of those things where it's hard to break a habit, especially when things are closed them and you won't have to break it.

It'll be taken out of your hands. Close them. Would it not be better to use the tools the way that they're, like? You don't know how to. Yes, but that is a skill I can learn. And if we learn them by proving it with indebit accounts for a while, I will allow you to open a small limit credit card again. Why would I give you access to a fucking nuclear bomb when you,

You can't even handle firing a pistol right now. I hardly think that credit card is a nuclear bomb. You're in a situation where money is being pulled from a credit card in a cash advance away that you don't even know about because you don't have enough money in certain accounts to pay for a bill. So yes, you are fucking yourself. You have no retirement. If you get evicted for whatever reason, you lose that roommate situation. You're, yes, this is a nuclear bomb for your life, whether or not you realize it.

You're literally having late fees and hundreds of dollars in interest accruing. on a credit card that you are not paying off and only allowing the balance to go up. So I don't want to hear it. Don't try to diminish how bad your situation is or you'll never get out of it. Because you don't care. No, I do care. Not with that kind of language and attitude. I care.

Just because I'm making bad decisions doesn't mean I don't care. No, it wasn't just about making bad decisions. You were trying to offend. You're trying to make it seem like it's not as bad. It is. And if you don't realize how bad it is, then what the fuck are we doing? Amazon Chase card. Yes.

$2,413.61.61. $79 minimum fee payment. You could use a card, many in our audience use. Like the Fizz card. It's a debit card so you can only spend what's in your account, but it still builds your credit. You can do that. That's a way to do it.

You want to prove your credit card person. That's a good place to start. Because obviously we're not with this kind of balance. And we're still purchasing on it. less than your payment towards it, sure. You're still purchasing on it. So we're not making as much progress as possible because this way. It still takes 11 years to pay off, but you're trying to diminish that with the money

you spend on it. And then $54.95 of interest. And also, you started above the credit limit, so. Oh, yeah. Oh, you betcha. How far? Oh, just about, if I'm not mistaken here, it's a bit where am I and looks about $60. Above the credit limit.

That's good to know. Oops. See? No, you're right. I don't look at it and I need to. Do not try to defend this then. You were just, again, trying to defend your situation, making it sound like it's not as bad as it really is.

You didn't even know you were above the credit limit, okay? And that's why you're not spending more money on this, because guess what? Even with all that, you're only $75 under the credit limit. Even though, even though compared to what you spent on it, you paid off $225 more than you spent on it. But you're only $75 under the limit. That one I apparently need to look at because I...

You need to look at all of them. This is not a... That's fair. That is very fair. Go, please, please for fuck sake, you get them for free. I need you as a guest. Starting tonight, when you get home or tomorrow, whenever it is, go through the debt class so you can learn how to manage this debt,

understand it, how to consolidate it, whatever it might be, whatever tool makes sense for you. Learn all those skills, take the quizzes. Go through our budgeting class so you know how to do all this and go through this and plug it into places and manage. it. Go through it. You get it for free. They're all bundled together for 15% off now for you guys, but you get it for free so do it. I'll be pissed if you show back up here and you didn't do it, okay? It's literally access to just free, top of the line education of the stuff that you don't

know how to do when you keep fucking up. So take it. I will take it, I promise. It's for fucking Amazon music and Kindle. I'm glad. I'm glad we have subscriptions on a card that we can't pay off. I don't know the card that is accrued. What would we say? Well, actually, I don't even know how many of them are late fees or over the credit limit fees, but $200 of fees this year so far. Well, done. I am curious what those fees are, so. Well, no, because if it's just late fees, then that means I just need to set my reminders. If that's only late fees, then you've missed, then you were late every month this year.

Oh, then it can't just be late fees. Exactly, which is even worse, that you have mixture of late fees and above credit limit fees. That's fucked. That's stupid. That is mismanagement in maturity, unknowing how to use credit cards. as a tool. You just said, well,

should I be able to have access to the tool? You didn't know you were above the credit limit. So no, you can't even come close to these. You need to run from credit cards. You are making them so much money

and you are getting no benefit from it because these are all, again, over Maxx out on this one. That last one was pretty close to Max style. So that's not benefiting your credit. Your utilization is well beyond 33%. Yes. Yes, it is.

So what are we doing? What kind of tool are you trying to take advantage If it's taking advantage of you. Well, the plan I had that was working for a long time was the American Express was explicitly for groceries. Yes. And then I moved. Okay. You said a long time.

So I want to clarify. Six months. Go on. The American Express was exclusively for groceries because I earned triple points and cash back when I used it at grocery stores. Oh, you got drawn in so hard. Okay. Go on. Well, no, because I have paid for entire bills with that card using those points.

Oh, yeah. Now you've lost magnitude 20 times what benefits you've ever gotten by far. Not even close, 100 times probably. But continue. Your grand strategy that worked for, let's see. Let's see. You know, have a little point or 1.6% of your life. Your grand strategy is worth for 1.6% of your life.

So go ahead. Tell me about this master plan. The Amazon card was exclusively for Amazon purchases. And the plan was that every time I would make an Amazon purchase, I would set up my debit account bill pay that I would go in at the end of each week and just send a payment straight to that card. So that way it always had like a zero revolving balance. Sounds like a thrilling plan. And it worked until I moved and fell off of the bandwagon. Six months is nothing.

Correct. Anyone can do anything for six months. Death. Well, causing death. Okay. Like, behavior discipline stuff, yes. Yeah. Come on.

And I know that these habits take time, and I know I fell off the bandwagon really hard. When? When was this? About a year and a half ago, I think. So a fourth of the time in the last two years, you did okay. When I went through one of my breakups and moved. That was that period of time. That was the cheater.

Why are you not able to control anything? Because, again, if you were using this, If you were using money correctly, you would have had an emergency fund, meaning you would have not gone into debt through a breakup. The cheater makes sense. Stay in the wrong hole. Boom. Bye bye. But that doesn't mean you go into debt.

I never really planned for the future. It's not even planning for the future. That's just making sure you don't get f***ed in life. It's not planning for the future because you don't plan for, you don't know what emergencies are going to happen. Well, right. But having that 12 month emergency fund is like having six. I wouldn't want a 12 month. That would be my goal.

But. Sure. But having that fallback is like planning for the future. And it's funny, I was actually listening to a podcast on the way here that talked about psychology behind like the way that people spend. And one of the things that they talked about is breaking out of the mindset that like if you grew up poor that when you get a bunch of money, you are uncomfortable with like holding on to it. I definitely think that that's a big part of why it happened. It's not a good reason for it. But I do think that's part of why it happened is because these triggers,

happen and I would just be like, oh, no more bandwagon back into the old habits, back to what's comfortable. Almost a thousand dollars in interest this year's so far on this card alone. Ooh. Yeah. Yeah, no kidding. Again, you didn't even know. No, I didn't.

All right, Barclays for what? This is a standard Barclays? So that was, I originally opened that card when I was in college. I used it to finance my MacBook for school. Classic, all right. I did pay off the MacBook. I didn't get any penalties or interest on it. And then that was the same card that had the balance transfer deal once I paid off the laptop.

Mm-hmm. Cool. Well, you owe $1,072 on here, the total credit line of $1,300. It used to be a lot more. Yeah, I'm glad it's not because, again, you don't know how to manage access to debt. Yeah. So I would not want you to have it. It takes six years to pay off with the minimum.

payment. Okay. There is not a card that we've looked at that hasn't had basically $200 in fees this year so far. You keep talking about the six months or you did well. I wouldn't care if you did well for 20 years. If the three cards, the first three cards that I put in no particular order, by the way, the first three cards we looked at all had late fees and above credit limit fees, I would never want you to even look at a credit card again for the rest of your fucking life.

That's beyond insane. People on the show f*** up all the time. That doesn't mean they have late fees and above the credit limit fees. Is that for the whole year? Yes. Okay. So in my defense this year, I moved to Louisiana. Listen, in my defense, you move every second of your life so I don't give a, that's not a reason anymore.

You always move. That is your choice. Moving doesn't mean let's f*** our life. Or maybe we wait until we can afford to move. Come on! That's not an excuse. You chose to move to New Orleans. I was in a dangerous situation.

Oh, my gosh. Oh, my... So we have to move. Yes. Okay. Yes. Oh, okay. The holidays are here.

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moved down. Okay, so it wasn't just about that then? No, it was I took my, I dragged my feet, finding employment and then when I did find employment I can I also ask a question again yeah I'm not unsympathetic to anything you've been through it's just I'm trying to deal with all the things sorry so no it's okay I'm just trying to figure out how it all comes together and it's immediately a difficult perception or not a perception well I guess I could be perceived so but either way is the difficult thing about it is anytime that anything ever you any anything is bad in your finances it comes down to something else beyond our control. So it's like, what can I do?

Then this isn't a conversation that it even involves me. Right. But even still, why'd you have to move like states and cities and why doesn't it have to be this massive move that costs thousands beyond thousands of dollars? I didn't pay for all of the move. Well, even worse then. So fair. My roommate got out of the military and so he helped pay for that move because we moved in

together here. That's worse. Yes. Right. And so the first maybe four months of this year, I wasn't doing a lot of content creation because I just didn't want to. Good. Don't do it if you don't want to. Right. But I was living beyond my means. Well, that's not chill. Why didn't you go get a job? Why didn't you pour some coffee? Why don't you drop some McFrize in that grease? So I was applying to some jobs. I was not putting my best foot forward. I was just kind of holding on until the move.

because the move was in March. Oh, you're talking pre-move? Yeah, yeah, pre-move. I wasn't doing a lot of... What about once you got there? Dealing with unpacking and... Oh, come on the fuck on. Everyone unpacks when they move.

Well, there was a lot of shuffling around. I've had a job when I unpacked things. That's fair. There was a lot of shuffling around and I didn't prioritize it when I absolutely should have. That is absolutely on me. And, yeah, there's just a lot of shuffling around. We ended up moving.

three times in a few months. I don't... We had a friend we were supposed to move in with and he ended up being a raging douche canoe, so we had to get out with that least. Is there anyone in your life that's not a piece of shit, apparently? My roommate. One person you've ever met.

No, there's a few, but I don't live with them and they don't affect my living situation. Remember when I said I had really bad decision-making skills? It's not just financial. But it's all not just you, though. You have been in bad situations. That's the hard part. That's the hard part of this conversation

is I'm trying to figure off on a navigator. Well, the biggest issue for me is that despite all of the things I do manage to 90% of the time make enough to cover what my... You made more than you spent. Right. Which makes all this more stupid. Right. That's the biggest problem is that I'm just making stupid, f***ing decisions, like not looking at my statements. That annoys me to hear.

I'm sorry. It annoys me to be this way. I'll tell you why. You know this. So why the f*** don't you do it? I will never understand. I will never understand when I, I probably do stupid stuff all the time. It happens.

But once I at least realize it, that's when I try to do an action to prevent it. If you're doing something stupid you don't know, you're just ignorant. That's fine because you're just ignorant. You're not ignorant to it. I think I was ignorant to how bad it was. Sure, but you knew, Ben. I knew it wasn't where I wanted it to be. So why not try to get it to where you want to be?

I have made little steps. No, you're dead. That has gone up. Well, I canceled my gym membership that I wasn't using. I have not. That's the little steps. I haven't been ordering out as much as I used to. The whole first credit card was door dashes on a card that went up in balance.

Yes. 11. Furniture and mattress. Thank goodness. Oh, good. We're paying interest on this. Why not? Oh, good.

The balance went up. That's wonderful. Because, oh, good. The amount is past due. We're $41 past due. Ha, ha, ha, ha. Well done. Come on. We're not even, huh?

I forgot again. That was definitely. This can't, well, auto pay. Have you never heard of auto pay in your life? It is this great new invention that's been around for decades. Are you kidding me? Auto pay for me really bad. You're fucking yourself. What do you mean? You're making it much worse than it ever. You most likely. Well, no, because. What, you got an overdraft of 35 bucks once? You're getting charged an extra of million,

gillion dollars a year. So the, so for a minute when I wasn't making enough to cover the bills, the auto pay tried four times in two weeks. weeks. Yeah. How did you not see it after one? I did. And I tried to tell them to stop pulling it. And they said, oh, well, it's already started.

We can't do anything about it. Why didn't you have the money? Because I wasn't working when I should have been. And I wasn't working hard enough. Yes. There's nothing to transfer anywhere else. No. Okay.

Okay. Yeah. And again, that was 100% on me. But guess what? Yes. Never have no money in your account again. They don't have to worry about this. This is pretty basic.

basic it. Yes, and now I don't. Sometimes it's more complicated than it sounds, but not in this instance. You're fucking yourself. And even those four overdraft fees, you're still paying more in fees that you're so far than those four. So you're making it worse. You can't forget this.

Set yourself a timer. If you don't know how the fucking calendar works, set it on autopay. It's as easy as that. It's just basic. Yeah. Great. She agrees. I agree.

Isn't she doing it? Great. You can do that and try to get out of this little pushback. You can't just agree, but never do. That's not how these conversations work. That is a get out and I don't want you to just get out and then keep going the way you're doing without actually realizing what you're doing is wrong. No, and that's the biggest problem is that I know what I'm doing and I know that I am fucking up and I want to fix it.

And I am finding resources. Hello. What? I'm finding resources to help me learn. Me? Okay. Yeah. So like help me learn how to do the things that I should be doing and

What resources? There was a podcast. I couldn't think of the word. A podcast that I was listening to that was like teaching about the psychology of money and how to like reframe the thinking around it. Are you one of those people that always takes in all the information but never actually does anything in their life? Because I've worked with people like that as well where they just read self-help books forever, entrepreneurial books forever.

Then they never actually do anything in their life and they just endlessly consume the information. Because that worries me. No. That is almost everyone I know that goes down that road. No. Instead of the people that actually get out there and do. I would say I consume it and then I actually end up implementing maybe 30% at a time. And then I'll go back and redo it.

What has been implemented here? I see a mispayment. I took it off the auto pay because it was overdrafting the account when I didn't have the money in the account about a year ago. Okay. It's not a year ago anymore. You have money in the account. Yes. I don't have a better answer for that other than I just haven't put it back on auto.

That is almost completely paid off. and it will be closed when it's paid off. I don't know how you pay off a card with $0.00. $0.40 of fees and $7.70 cents of interest. Oh, it just must have missed by a day or two because I usually pay more than the minimum balance on that card. Didn't. And now it's gone up.

Just like the other cards we've looked at so far, except for one. So I don't know what you're talking about. U.S.A. $2,282.87. Uh, new cash advances, $100. Ah, here it is, the special little guy. Hmm, yeah, that's nice. That's nice.

We're basically almost at the credit limit. Shocker. What is the cash advance? I didn't know I could do that on that card. What's your minimum pay payment normally? Zero. They literally say zero every time I log in, but I have an Excel sheet that tells me what I should pay.

$34.89 cents of interest. What you should pay should be all of it? What do you mean? What do you mean? So the Excel sheet I put together for myself has, like the current balance, the interest rate, and the payment I need to make if I want to pay it off in 12 months. It's basically 12 months. Well, good luck with that because with the way you're managing and finance is that's not even coming close to an option.

12 months from when? Now it's always going to be now and 12 months from now. Tomorrow will be 12 months from now. That is the problem I've run into. Uh-huh, which is not cute. But no. Guess what? We didn't have enough money in your USAA check in account.

So it would true. What took it over? You cash advance, $100 over-draft protection from your credit card. That should not be turned on. They did it. That's going to be a fun phone call. Honestly, why would you be entitled to something with the phone call anyway? Because like you did not have the money.

It's not your legal ability to spend someone else's money. No, no, no, no, not because it should have been overdrafted, but because the cash advance should have been turned off because I ran into that before. and the cash advances should have been turned off. I can tell you, all I know is you did not have enough money in your checking account to do something you try to do and then you did it. And now you have this gas advance overdraft fee. So regardless, even if you turned it off, you still f***ed up major.

Well, and I don't even have that debit card. Literally the money in that checking account is just for my renter's insurance, I think. Or my car insurance, one of those. One's usually $5, and the other one could be like $500. So that's kind of. I had it bundled for a while and I can't remember if I had canceled one. Then are we really surprised that the person that doesn't know if it's a $5 or $500 charge in there is overdrafting? No, you know nothing about your accounts.

No, because I had a single thing. I had an automatic transfer from my main checking account to that account a week before the payment was supposed to come out. We'll just have to see. Yeah. So I'm not sure. That's why I'm surprised at the cash of the hands. Maybe you didn't have enough money in the account that you transferred from. Maybe we're overdrafted from an overdraft from an overdraft.

It shouldn't be, but I mean, we'll see. We'll see. All I know is $400 in interest this year so far, and you've had a late payment as well. Yeah. On this card. Are we shocked? Every single card's had a late payment because we're an adult, apparently, in our 30s, allegedly. Oops.

What? What did you do? The late payments is. Whoops. Late payment, whoops. We're fucking our life. Whoops. We don't have retirement.

Whoops. I move every second of my life and I never do it with an emergency fund and I don't have job set up. Whoops. What do you mean? You kind of, everyone, like, I'm on your side and then all of a sudden you just, fuck it. Whoops, this is not cute. This is not funny. This is seriously your life.

Do you not understand that? This is a big old classic. I hate this. Why do I get so angry people wonder sometimes? Because every single fucking time it feels like, or at least 75% of the time, it just feels like I give a shit more about your life and your finances than you do. And that rages me because you are a person that exists on this earth and you deserve to live a good life, but it is in your control and you're choosing not to. And I can give you an ability of how to get there. But you're like, whoops?

A cutesy little whoops. Fuck your whoops. That is a whole big dose of copium right there. That is me making light because I'm very disappointed in myself. Wells Fargo. $1,595. $14. With a minimum monthly payment.

of 52 bucks. Nothing happened here except for entrance charging. 35 bucks. Okay. Gosh, if I see fees that have been charged this year so far, I'm unfortunately actually not going to be surprised, so it doesn't matter anyway. Well, yeah, basically $200 of fees. Back to our classic, rounded, nice 200.

You know, having many late payments. Many, many, many late payments, because we don't know how to push the button to turn on. automatic payments or set a timer or look at a calendar or manage our life or know what's happening in any sense of any account of anything. I wonder how you manage other things. I wonder how you manage your work schedule. I wonder how you manage your friends schedule.

I wonder how you manage your financial schedule and this has repercussions that are monetary and you're destroying your entire life. Over $400 of interest. I'd be very curious to see the rest of your life because right now this is a complete disaster. And I don't know how you manage anything else. Do you even have a envelope anywhere in your... house? Yes.

folder? Yes. Nothing in it. You never looked at it. No, I have a filing cabinet. Mm-hmm. Sure you do. I do.

Oh, I bet there's things. At least one or two. You're fucking laid out of student loans. Are you kidding me? They should be in deferment or forbearance or something, right? I got an email about that two weeks ago. Passed the amount $203. What?

But I've been getting emails that's a, no, no, no. From who? Spam accounts? No, from them. And the last time I logged in. Your annual amount of payment is $46. You don't know what you're talking about. No, the last.

No, the last time I logged in, it said I had no minimum payment. So I don't... No, monthly payment of $46, also known as from the statement that you sent us. That's okay. Last payment was April. That's why you have $249, even though your minimum monthly payment is $46. What a fucking... Well, right, because that's when they told me I owed a payment because I got an email.

How have you survived? I'm not laughing at you. I'm laughing at just how ridiculous this is. And then how you think it is versus the reality of it is always so polar opposite. You always think something and it is the literal opposite. Every account we look at. This is crazy. I don't know how you've survived to your 30s.

Carefully. This is not careful. You don't carefully miss every payment since the fourth month of the year. Well, and that's what I'm saying is... That's fucking stumbling. I got an email saying that I owed a payment. So I went in and I made.

made a payment and then the next month I logged in and it said I did not owe a payment. And even when I got that statement, it said I had a $0 minimum or zero or do zero dollar can it do. Maybe that's for a different one. I don't know. But for this you do, okay? They just got put into save. It looks like they just got put into save. But these are past payments before I entered deferment that you haven't paid.

You weren't even paying your bills before. You must have just got put in deferment. And then the deferment in the save act is a lot of it's on pause right now because it's being challenged in courts. So regardless. So they must be old payments. Old payments from this fucking year. Not that old.

Remember you just try to suggest that you being good for six months was a lifetime? Your payments are from six months ago. So stop. Old payments. For fuck sake old payments. You don't know what an old payment is. $50,000 basically in student loans. What did you get a degree in?

In law? No, psychology you said. So I changed majors a whole bunch of times. How many times? times? Five. Oh, for how many years? Like seven. Oh, for fucks sake. Okay. And did you graduate after seven? Yes. Okay. What's your degree? Paralegal studies. Okay. So a bachelor in paralegal studies? It's an associates. You got an associates after seven years? So how many credit hours did you take? This is so much money. Where'd you go to school? Um, so originally I was at the community college in Southern California. And I would not get you to 47,000 hours to do.

Well, I started when I was in high school. And then I, so I was taking those classes. I was a linguistics major. And then I switched to a business school. It was one of those accelerated programs that was supposed to be like 18 months to a bachelor's degree. Do you get easily distracted? Are you on to like the next thing after like six? Well, you move every two months.

Yeah. So you must. Yeah. Well, no. This is demonstrated in your life. You're moving because you move cross country everywhere. You're like Italy once. I mean, come on.

And then you were moving majors once a year. It's like, I don't think you can sit still. You're on to the next thing constantly. You're on Twitch and you're not Twitch. And then we're tattas. And then we are paralegal. It's we're all over the place. Yes.

You can't. And that makes me very nervous because the debt payoff journey is usually a multi-year journey, get a fully funded emergency fund. And then saving up for retirement is a lifelong journey because it's taking advantage of compound interest in time. You know, you put your money in, you know, my favorite investing account, moo-moo. Good.

That grows. Boom. Then I'm able to retire. Wonderful. That's a lifetime thing. You can't just be changing things every nine months. Well, and again, I did do it once. And it took two years.

I don't associate degrees in seven years. Well, right. So I went to, I transferred to the business school because all of my credits transferred. All of my credits from the community college transferred to the business school. And I was doing that. It was an accelerated program. And that's when I got married.

And the semesters were six weeks. And I told them I needed my books two weeks ahead of time. So I can order them. I'm sorry. I don't need the whole thing. I really don't. It's okay. I appreciate it. Business to urban planning and then that didn't work out. Then I was a psychology major. I realized I didn't want to get a PhD to make $50,000 a year. So I did my associate's degree, finished that out. Okay. Okay.

So I do have a degree, but it took me a long time to get there. Well, it took a lot of money to get there. That's the more concerning part. Yes, it did. Because now you owed this. And guess what? Department of Education. Going to get a new person. At this point, it looks like Mahone, I think. One of the co-founders of WWE. I don't know. I don't know if she wants to forgive your student loans or not.

Who knows if she wants to uphold the save plan. You know, a lot of it kind of is up to the Department of Education head. Yep. I don't know. Who knows what she wants to do? Yep. Girl might come to you and she want to say, fuck you. Or she might give you a big hug and forgive your loans.

We don't know. It's administration to administration, but I wouldn't bet on it. Right. So why not pay on these? You have the money. We know you have the money. Your needs are relatively minimal. You're just fucking up.

You can be paying on these with a higher likely chance that you will have to pay on them. So make progress on them. Instead of allowing interest to accrue, instead of allowing late payments to accrue, they can garnish your wages. They will come and get you. Yeah. They'll get you. Yep.

Hey, you, look at me. My job is to sit right here and be the absolute stunning figure that I am. And some things I can't help, like my incredible ass. Which is why you're all here. here of course, but also some things are in my control, for example, the pearly whites. I yapp a lot. Some would say too much, and I get that, but listen, if I'm gonna yap, my teeth may as well look pretty damn good, but the thing is, I drink a lot of coffee to get through the audits, and I started noticing some staining on my teeth. So, I've partnered with today's

sponsor, ORAGLO, and they've brought back my confidence for continued yapp sessions. The reason I prefer them over competitors is because they actually whiten, but, they do it sensitivity free. And that's always been why I can't use these types of products for long due to my sensitive teeth. These teeth whitening strips from Auro Glow are incredible. Make sure to go to Amazon and get the OroGlo teeth whitening strips. I should have used the link in the description below to make sure your gap sessions can be just as confident as mine with stenting white teeth. And it's just another set of bad decision-making skills and...

So that's your answer for everything. It's a fair amount of it is... Then what the fuck is going to change? No offense. What would actually change? Because that's your answer to anything. Something bad happened or bad decisions. Okay, wonderful.

You know, whether or not... Because I'm making better decisions. But you're not. I have your accounts here. We already have a late payment. You haven't even looked at your student loans. You don't even know you're late. You probably haven't looked at your credit report.

You don't look into your checking account once. We had a fucking cash advance from a credit card because you didn't have enough money in a checking account because you probably didn't withdraw the right amount to that other. account from another account. You know what you're doing. Better decisions. You've never made a better decision before. So that can't be true. It's the start of the decision. What start? Right. So again, the USAA account because it was supposed to be an automatic transfer. No, I understand it. But what start is better decisions? Because I am not seeing them reflected in the accounts in front of us. So I'm not going to let you get away with that and have a pat on the back thinking you're doing okay. You're doing one of the worst.

your debts are not the worst I've seen on the show. Your behavior and your management of your accounts are some of the worst I've seen in two and a half years of doing this show. It's... So I am not going to let you give yourself a gold-fucking star. No, absolutely. So the better decisions are when I had the $25,000 in debt, I was literally maxing out all of my cards all of the time.

I was only making the minimum payment, which wasn't even enough to cover the interest I was making, and I was late all the time because I never looked at it. Or you could have paid it. all off with your $250,000 in cash that you made, but you decided to blow on what? What did you spend the money on? So most, a fair amount of it went to my car.

I put, what is it? It's a super wrapback, 2020. Is that a $250,000 car? No, no. So I put $16,000 down on it and that is paid off. $16,000? $250,000. I'm going to need a little gap filling.

and not like the gap filling that's done in your content. I don't do that kind of content, to be fair. But the content creator X did take a lot. Like management? Was you trying to suggest management? No, it was straight up financial abuse. Am I going to have his people like come after me for filming this? So I don't know who he is.

I can't speak good or bad about him because I just don't know him. But you're trashing him on here. Well, I spent about a year and a half of when I was a full-time content creator. I spent about a year and a half talking about all of this stuff very publicly and both of those accounts got banned. But you're anonymous on here, but to them, you're not going to be anonymous. You're using a fake name here, but they know who you are probably, right? I mean, maybe if they still recognize me. He would.

That's fair. And our clips go pretty viral. I mean, just don't put his name on it. He'll be fine. You said his name. Blip it out. I'm not wrong. I don't know. I don't know.

I don't know him. I can't speak good or bad about someone I literally do not know. That's not how I operate. That's fair. But I don't want his people to be like, nah, I'll kill with hammer. Because I don't know. Well, okay.

Just because you're coming on here and talking. So of that money, I paid for him to move across the country. I paid at one point I went through our checking accounts because he accused me of being bad with money. And hold on. Wait, that's not what you. said earlier.

He accused you a stealing. Now you're saying he accused you of being bad with money. He basically stole the money because. Was he saying you couldn't management? I feel like there's, listen. Mm. Mm. Because I instinctively, my gut, my heart, even though I'm an annoying devil's advocate

motherfucker. My heart is to just be like, yes, 100% support. She's 100% right. But I know for a fact, especially based in the internet drama space and this kind of is that, to be honest, always a thousand sides to a story. Oh, always. And so I don't even kind of want to listen to this right now because I just don't want to pretend to have an opinion because I don't know.

I can summarize it as that relationship probably costed me about $75,000. Awesome. I spent $75,000 on that relationship. It's expensive dick. Okay, so. Not worth. Not worth it But yeah

So that Okay okay Do you have any more debt I don't think so Both of my vehicles are paid off Both vehicles I was gonna say This other one we have

At $16,000 of value So good job But there what's the other vehicle Motorcycle Kawasaki Okay so probably a few thousand Like six I think is what I looked at it Which I'm trying to sell it Sell it yeah

Because I don't use it so Yeah dude that is sort of taking care of some debt You can even an option Yeah What are we doing? Okay. Okay. PNC Bank.

Any balance 460. That is pretty risky. Never know when certain things are. Oh my. This is all highlighted, which means it's all full. 80 bucks on Amazon. Buttercrisdiner? Amazon.

Oh, you went inside the market, got something in post? McDonald's, Barclay Oak. Lots of, what are these Google things? Are these in-net purchases? Are you Android? Yeah. Oh, so that's what it is. It's not Google.

It's you buying things or getting subscriptions or something. Fall Fest. Ain't any, any, any, any occasion. Brazilian bites, brew pub, smoke galore. Please don't tell me you're giving yourself cancer. I don't smoke cigarettes. Great. Yeah, the other ones are so good.

We had someone with a collapse lung on the show. Fun fact, because she kept. Vaping. Keep doing that. I'll get you good places. Subscriptions are in at purchases. McDonald's. Spotify.

Can't afford to live, but guess what, guys? At least we're ad-free. Comedy, comedy, comedy. Lots of very expensive comedy. And then voodoo chicken and Burger King and Frenchmen are, bow me, going inside and getting some bo-up in the gas station. Matassa.

Panteonaisal. Huh? Well, let me see it. Which one? Chris Diner, more Pantinoeasel. I don't know what you're saying. One on the bottom. More Pontineal easel and Pantiana Elisa?

Oh, that's probably a Google play. What are you doing? Because there's like a million. There's like a ten more on this next page. They're little. And then Flamingo Road Farm. Yeah, but what are they? It's what I'm asking because they're stacking up to like a hundred bucks or something.

Well, Buttercrisp Diner's. No, no, no, no, no. The Pantinelisel. I don't know because I don't recognize. Are they video games? Are you buying gems? Are you a little gem girl? What are you doing?

Yeah. Stop! I know! I was dopamine seeking last month. It was really bad. It's not cute. I know. It's not cute, but it was really, really not fun.

Go to a park in the sun. Do you see how pale I am? I'm translucent. I sunburn in like 45 seconds. Oh, that's interesting. We've never invented sunscreen before. I wear sunscreen. Sunburn.

Wear stronger sunscreen. I wear SBF 75. I have the whitest creature that's ever been born in this office. Her scalp burns the moment she steps outside. Like, I get it. She's a ginger. She's a disgrace to society. I understand what it's like.

It's like, go everywhere with her and then she melts. Okay? So you can go outside. Venmo, Venmo, Venmo, Venmo, Venmo, Venmo, Venmo, Venmo, Venmo. Great. Who are you Venmoing? Venmoing everyone in the life. My roommate probably.

Yeah, yeah, $100. $100 on your little in-app bull-up. More P&C. $1,000 in this one. So that's actually... Yeah, so this one is my debit card account where I do my spending. That one is also a checking account,

but that's where I do all of my bills out of. Why overcomplicate it? So that structure... If you literally just have a budget, you don't need more than one account. Yeah, I don't have a good... Hey, look where it's ending. Yeah.

Look where it's leaving us. I thought having it separated like this. So if I kept all of my money in that account... When did you think that? About two years ago. Wonderful. How have we been? It was great and now it is not great.

For six months. For a fourth of the time. So maybe not a good statistical average to go for. So potentially we don't can do the thing that's not working. So it's a crazy concept. If it did work, then... But it's not. It didn't work 75% of the time.

Why the fuck what I bet on the 25? What are you talking about? Because if I go back... the habits I had. It's worked 25% of the time since you tried to start. So it's not working. Well, right. Guys, what am I dealing with here?

Stop, please stop. $82 in this bullshit counts. Again, what is the savings? Yeah. Something, I don't know. Chase. I can't read it. It's either $948 to $600.

Uh, it's six, six something. It's really blurry. Chase doesn't let you download statements and then make redactions on there for your privacy. The screenshot and then do it. It's really bad. Come on, Chase. Okay. It's just mostly moving money.

Cash, it has $256 in there. Money coming in. What are you getting? $15, $5, $25, $25 for what? I honestly have no idea. Bonus tautas? No. Okay.

Oh, sometimes my friends will cash at me stuff if I, like, take them out to dinner. They'll cash at me. You can't afford dinner. $234 in this account. Again, this is where the money moved into because you did not have enough money and there it is. Right. So that's what I'm saying. That's why I'm confused about the cash advance.

It should be there. Because $10 went out there. It tried to pull up $10 there. $150 in there. I don't know. I don't know. At the point of this, you had negative $5. And that's when it dinged.

Yeah. So you had $4 to start with. And then it tried to pull out $10. So are you surprised? So it brought in money. Now you're paying 30% interest on it. Well done. $708.

This looks like credit karma. What is this? It's a credit karma savings account. That's where that 10. Oh, savings? Yes. So I have that completely out of sight, out of mind. So that way I don't spend it.

You're set for life. $700. bucks. Well, I only started that about a year ago. What? That's a joke for a year. Well, it's only, if that was our focus, not necessarily that it should be, but don't try to make that sound good saying, no, that's okay. I only started a year ago. Well, it only does like $10 or $20 a month. It's just more of like, it's, that's not my, my six month reserve that I'm trying to build. That is just an extra savings account. How would you have an extra savings ago? What do you mean? You don't even have a normal savings account. Well, I do.

Yeah, with $60. It didn't. I moved the money around. What do you mean? If you don't have an emergency fund, why the fuck we have in another savings account? What are you talking about? Because if I don't have the money in sight,

I'm not spending it. Why would it just be your emergency fund? Why are you having something separate that's not your emergency fund when you don't have an emergency fund? Because I want my emergency fund to be in a high yield savings account. I don't care.

Put that there. You don't have a dollar. You don't have any money saved up for an emergency fund. So why is there a separate account? Do you not understand my question? No. If you do not have the basic minimum required savings account,

why are you trying to build this extra one that you are supposed to do after having this one? Remember that conversation earlier about having a couple of good ideas and really bad execution? Shut up. I hate this. This is like, that's not a real answer.

Your real answer is like, I already know I'm fucked up, but I do nothing to solve it. Stupid. That's legitimately stupid. Can we be honest? Yes. That's dumb.

Yes. And that's not. See, there it is again. She knows it's dumb, but she doesn't do anything about it. This is, this is infuriating. You can't just, it's not that I want you to disagree with me, but the fact that you are 100% on board and agreeable with everything is, it has to be incorrect because you're overdraft and you have late fees on every

fucking account. So there is no way that you actually agree with me. Because if you do, you would be doing something, but you're doing nothing. Which means you don't either, you're, you're, the fuck. I agree that the decisions are stupid. I disagree that the reasoning for them is bad because I have or had a plan. Total income that comes in, $4,750. For fuck sake.

This debt is a joke, dude. You fucking make money. And your minimum of the payments are not stacking up to that much for your money. Your rent situation is beyond blessed. Come on. Your debt minimum of the payments are $260. What's your total rent again? Mm-hmm.

That including Internet and everything? No. Internet is about 100 and my phone is also about 100. You pay 100 for Internet? Yes. You pay for the whole Internet? Yes. It's a tax write-off.

The whole thing, are you 100% sure? Have you looked at that? Because, you know, when you do, when you calculate a space used for your taxes, you do the room that you use, you can't claim the whole place. Right. Are you sure for Internet at your home? Yes. Because you're not only using it for work. That's what the CPA told me.

Okay. I don't know about that. Again, you're sitting down with the advisors we're going to connect you to. Phone bill, $100, not bad. If you don't on your phone, I'd switch to helium. It's the same towers as T-Mobile. It's $15 a month.

What? I hate T-Mobile. I had T-Mobile for like two years. I switched to AT&T, and I've never had the... 18-N-T? Yeah. Nobody likes AT&T, though. I love AT&T.

I guess it's just different areas. I've never had an issue with AT&T. Oh, really? Like, it's a little bit more expensive. That sucks here. But, Verizon. pay a little bit more because I have like the the priority data so I never well I don't care I've only had good with Verizon and team mobile but whatever that's fine we'll put it as a hundred gas room

room drive drive skirt skirt crush crash crash um tolls and gas don't take tolls you creature I have to you do not have to there's always an alternative the alternative would in the south at least the alternative would add 30 minutes to my commute there you go wonderful you got it congratulations how much is the toll every time you go through two and a half bucks one way. So it doesn't charge me going back to the other direction. It only charges me going one way across the bridge. Probably works. Okay. How much? Um, I would say probably 250. Okay. Car insurance? I have full comprehension. I just pulled it down.

Comprehension? Yeah. Comprehensive? Yeah. Is it awful comprehension? Oh, whatever. That one. The one that covers- You don't have comprehension of anything. That's so fair. Um, I, so, okay, I just brought it down a little. bit. It was 360. I think I brought it down to 280. Renters insurance? My roommate covers it. So it's included in my living expenses. But is it under your name, the insurance? No. You don't have rent. I am a covered party, but it is not like, yeah. Okay, TP find anything else you need to survive? This is your nails. Is your toilet paper, whatever $100. You're going to meal prep. Use our menu and everything,

a meal plan in the budgeting program to get to your needs, $300 for groceries, cooking a couple times a week. Congratulations. Yes. Medical, health care, anything like that, monthly basis. Yes, I would say probably $150 a month. Okay, cool. Any pets? Yes.

What? I have a cat. Cat food, how much? Oh, come on. Let me think. I think it's 120 plus for medication. Including her medication. Including her medication.

Okay, pet insurance? No. Okay, pet insurance. Yes, I need to. She's getting old and I need to. She's getting old. You might not be able to get pet insurance. Oh.

You f***ed up. Yeah, you're responsible. Okay. Then I'll leave that blank for now. No subscriptions. What do you need for work stuff? Your extra work. How much in subscriptions?

Or ongoing expenses. I don't think I have any subscriptions for them. but what was the one I was just thinking of? It was right there. Oh, probably something big, long, purple, and floppy. It's not a subscription. It's a one-time purchase.

Well, it's looking for work, or? No. Okay. If you can think of it, let me know. Oh, the video editing software. How much? $60 a quarter. Okay.

We'll put that at 20. Congratulations. As we all expected this entire conversation, it's super easy. You make double what your minimum of the expenses are. You're just acting like a child. And you're enabling yourself by endlessly making excuses. Lots of bad things were in your past, but you're allowing them to be a cripple as of why you're not allowed to get ahead. Congratulations. You're able to pay off all your debt except for your student loans in about four months and get a fully funded emergency fund in about four more months. What a joke. Come home. What? Are you kidding me? Come on. This is so stupid. And an extra multi-thousand-dollar month. This is so dumb. I'm done with this conversation. You're literally just using crutches. It's so stupid. I'm sorry. But that irritates me. You can get out of this almost easier than anyone on the show. What a joke. Come on. Spending a budget, you were under, but it still was very close and none of it was going to actually making progress on debt. And you weren't making minimum of the payments three out of ten. Debt?

Well, okay. The past IRS debt. So that'll include something else. Well, okay, let's think first. Okay, so you have an extra $2,000. Let's call it $2,000 because you're just going to set some money side of taxes. You can get out of debt, one to about five and a half months, and then, oh, let's call it six months, six months. IRS, let's save up about 10. So you can do that in about five, so we're 10 months in. Cool, so 10 months in, you paid off your past taxes, paid off your past debt,

save up for a only for an emergency fund, which for you. It's going to be about $10,000. That's called another five months, really. Actually, you have $250 left extra of months, so it's going to even go quicker from there. But whatever. I think, yeah, sure, just over a year. Congratulations.

Wonderful. But your debt is stupid, but luckily none of it's in collections, but it is, because of what you're doing and not making the payments, I'm still going to give you better than a $210. If you're actually making your payments on this, for your debt situation, It's not the most dangerous or worse, but I'm going to bring it down because you're not, you're just fucking it up.

So bad. Emergency fund of like a little bit set aside, one out of ten. You're almost a tenth of the way there. Retirement, anything? You need to catch up on that quickly, but we'll talk about that in the follow-up when you're ready to come back on the follow-up YouTube channel. Real estate, and you can take the investing class as well. You'll do both. Real estate zero out of ten for now.

It's going to be a hammer financial score. Wonderful. 1.5 out of 10. Guys, make sure to join us in the post show. We're going to talk about a lot of that more X-rated stuff that we weren't able to talk about in this because of de-monetization things. It's getting a bit more strict on that in front, unfortunately. So make sure to join us there.

And make sure to join the elite version, Hammer Elite, if you want hours and hours and tens of thousands of extra hours of content and live streams and a bunch of fun stuff that we do here. I'll see you guys in the post show. You're trying to act like a little victim? Oh, not a victim. You're still young, but you're so dumb. I don't like her.

I'm starting to not like her. She just looks at me if she gives these, It's one of those. I'm cute. Faces. We're adorable. Shut the fuck up, but this is what we're talking about. We're talking about her like life and death.

And she's just like, yeah, I'm an idiot. It is pretty frustrating. I have been told I'm the dumbest smart person. All right, tell us about your shit or something that I don't fucking make. Yeah, I want to know about Only Man. What part? We're doing to start. To watch the financial audit post show, click the join button below.