Financial Audit - Failed OF “Model” Is Batsh*t Crazy | Financial Audit

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Starting point is 00:01:04 or were you just having one special donor? Oh, that's a good question. Oh, come the fuck on. No, I really try to do everything for myself. No, you're not. That's a load of bulls-de-h. I mean... You rely on your girlfriend's mommy.

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Starting point is 00:01:42 I am 28 years old. I'm from Los Angeles, California, and this is financial audit. Thanks for coming in from L.A. I don't think we've had someone from L.A. on this show. That's crazy. There's a lot of crazy people there. So it's going to be very interesting to see what that means. in the situation.

Starting point is 00:02:00 Yeah. What do you do there for a living? So I work for a Golden State Water Company. It's kind of an office job. So I work in the low-income department. So I'm kind of dealing with the people who are trying to get that low-income discount. So I send them the application. I make 26 an hour.

Starting point is 00:02:18 26, but in Los Angeles. That's the hard part. Yeah. One of the more expensive cities. How many hours a week do you work? About 30 right now. How are you surviving? I'm just flat out.

Starting point is 00:02:28 I just hit that out of the gate, 30 hours a week. In L.A., how are you surviving? Are you surviving? Barely. I'm barely surviving because I am right now currently apprenticing for a dog groomer. That's kind of where I'm trying to go to after the office job. Do you need a license for that? Not as far as I know.

Starting point is 00:02:49 Do you not have the necessary experience for it yet? Yeah, I don't have any experience for it. Okay. So I went to my mom's groomer, and she said that, I could apprentice with her because I just asked. And she was like, yeah, if you can come in, but that kind of takes up a lot of my time and it doesn't pay. So basically... There's no pay for the apprenticeship?

Starting point is 00:03:10 No. How much time? So have you cut your hours down to 30? Yeah, I have cut my hours down. You did that by choice. Okay, how much time are we spending on this grooming? So I'll come in after work. Then why can't you work 40 hours a week and still go in after work?

Starting point is 00:03:25 Because for the grooming, it's like a... 12 hour a day. So right now what I'm doing is I'm working. How many hours grooming? 8 a.m. to a week. How many hours a week? Like 12. 12 hours because it's one day. Honestly, honestly, work five days a week and do the grooming on a weekend. Yeah, that's what I do. That's what I do. But how are you 30 hours a week? Because I only work part time during the week because why then. But the grooming's not on that day. Right. But I... But that's not making any sense then.

Starting point is 00:04:01 Right. But I want to go home. I want to go home. After the job, I get tired and I want to go home. Yeah. Can you pay for the home? Yeah. I can because I have help with my roommate, my girlfriend. So I... Oh, girlfriend. Girlfriend, girlfriend? Yeah, girlfriend, girlfriend. Okay. So that helps split the rent and utilities and potentially groceries and stuff.

Starting point is 00:04:26 Yeah. Yeah, that makes sense. Just girlfriend, though, not marriage. No, not marriage. Okay, is that in the horizon? I would like for it to be. She, I don't think so. Well, then if one doesn't think so, then probably not.

Starting point is 00:04:41 Yeah. So when you're saying barely surviving, what's going on? What are we talking about? So barely surviving. So our rent is about 1,500 split. So we each pay about 800 a month. Not bad at all. Please?

Starting point is 00:04:59 No, it actually belongs to my girlfriend's mom. Oh. Yeah. So you're subsidized by. Yeah. Wealthy your parents. Yeah. She owns the condo.

Starting point is 00:05:08 That's why you're allowed to work 30 hours a week because I want to go home because someone else to subsidize your lifestyle. You would not be able to do that on your own. That's why I pushed back a little at the beginning, but you wouldn't be able to do that. Right. But you are because of their end. You know what?

Starting point is 00:05:18 That is what it is. Yeah. It is what it is. So I guess I can be okay with that as long as it's not enabling a bad lifestyle. And I don't think it is. You are still putting in 40 hours a week. Some of it's just the apprenticeship. So I am okay with that. Good. I'm glad you're... Just talking through it.

Starting point is 00:05:39 Yeah. When are you going to be in the grooming of the dog world? I'm hoping by summer because right now I usually take off a little bit of time during the summer. So my income is not completely consistent because I'll do... How much time do you take off? Well, I work remote because I'll go visit my relatives in New Jersey. Cool. and work remote news Thursday. I'm confused.

Starting point is 00:06:00 Yeah. So the remote part of it, it takes off some of the hours. How much time do you take off in the summer? Like two months. We still got to pay for bills. Yeah. Paid time off? Not paid time off now.

Starting point is 00:06:12 Two months? You lose two months, but you're barely making it and you lose two months? Mm-hmm. I've had savings. Out of a 12-month year, you lose two months. Yeah. I've had savings the past few years and I'll Instacart. So I Instacart typically when I'm in.

Starting point is 00:06:28 in New Jersey. How does the girlfriend feel that about the situation? The fact is that you're able to take two months off and 30 hours a week is your work, paid work, because her mom subsidizes life. I mean, it's hard because she does the same thing because she works in a different field than I do, but they have summers off. So she is able to take that time off. So then I...

Starting point is 00:06:59 She has summers off. Yeah. Stop taking the time off. She has summers off. Right. Right. So I mean... No, but what about your guys' relationship with money then?

Starting point is 00:07:09 I mean, it's not the best. What? That's kind of our thing that we're going through right now is like our finances are not totally aligned. How long have you guys been together? Three and a half years. That's not aligned because, yeah, we would be definitely trying to minimum get aligned by then. Yeah. So I just have way more bills than she does.

Starting point is 00:07:29 So I... What? So I have my car, I have my credit cards. You're talking about debts? Yeah, debts, yes. But she only pays rent. Today's sponsor, ORA, exists because companies treat your personal data like a free sample at Costco, just handing it out to whoever walks by.

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Starting point is 00:08:48 that's like installing security cameras after your house was already robbed. I am not rolling the dice with my identity. Why are you? Well, why would she want to? get married with someone who's bringing in a bunch more bills. I mean... What do you mean you're not aligned with money? You said just more bills.

Starting point is 00:09:03 That's not not being aligned with money. Yeah. There has to be something more. So, I mean, she makes less than I do. So really what we are is we are two separate entities when it comes to finances. The only thing that we share financially... Yeah, and I want to know how you guys are not aligned, because I just hear a mathematical difference. A line is usually a mental thing.

Starting point is 00:09:22 Oh, well, I mean, yeah, no, we're fine. I'm kind of on her about it. it. She's not on me about it. What are you on her about if she's the one not in debt? I mean, because she'll still have times when it's harder for her and I'll have to help

Starting point is 00:09:38 with the money. You're in debt, but you have to help her, but her mom is helping you. Yeah. This is a weird triangle of confusion money. Yeah, it is she's younger than I am. So I It's... How much younger? What?

Starting point is 00:09:54 She's 26. Oh no. Well, Yeah, no. That's not even, why does that even matter? It doesn't. You're right. I just feel like I. Then why?

Starting point is 00:10:06 I feel like that is kind of almost an enablement of her, a justification of her being able to just slack. Yeah. And I mean, I definitely. What does she make? She makes 25 an hour. How many hours a week? 30. You try to make it sound like some massive substantial difference.

Starting point is 00:10:23 It's a dollar. Yeah. A dollar. Yeah. Then what are we talking about? What are we talking about here? Okay. No. Yeah. Let's let's talk about what are we talking about here. What is going on? What is going on? So, well, okay, here, let's go back to this.

Starting point is 00:10:47 What, where would you like to start from again? Relationship, like where we are financially? Like, where would you like to start again from? Because I feel like we should just like come back. you what are we talking about today? What is your situation that we are talking about today? Oh, I mean, I've got debt. I want to move out of this job. I want a different job. Okay, and it's the grooming. Yeah. How many hours a week is the grooming going to be? Well, the grooming, I think it would end up being five days a week, but it's not an hourly pay. It's a like per dog.

Starting point is 00:11:33 Yeah. Are you going to have to do side hustles? Is this going to be? It's like $100 per dog. So like they get in like six or seven dogs a day. Yeah, but are you working for a company or are you on your own? No, it's for it's for an independent owner. Yeah, I was going to say because you would have to focus on the whole recruiting part and everything.

Starting point is 00:11:53 So yeah. Yeah, you're going to have to rely on someone else to bring in. You're going to be an employee. Right. Yeah. And you're going to be able to sustain yourself with that? Yeah. I mean, I also do only on the side, too, for a little bit of extra income. So I... Is that what pushes you over to be able to pay the bills?

Starting point is 00:12:12 Not really. I mean, only has kind of gone down a little bit. For you or for everyone? I mean, I don't know about everybody else, but for me, because I had a whole or deal with, like, an only-a-agency where they kind of, like, trashed my account. What? So, I mean, okay. So I started only back in... Here's the LA part. Yeah.

Starting point is 00:12:33 This makes more sense. So I started only f***es back in August. And I had the help of my friend who was working for an only agency. So she actually always told me, don't go to an agency. Oh, good. Yeah. Then let's go to an agency. If one of our close friends works for one and says don't.

Starting point is 00:12:51 Yeah. So what happened was I ended up making like 10K that first month. And I was like, oh, well, this is fantastic income. So then it started going down. My friend didn't want to really help me as much anymore. So it was kind of on my own at that point. And I was like, well, I don't want to do this on my own.

Starting point is 00:13:12 So that's why I went to an agency because I was already giving like her a cut and my other friend a cut to kind of help me with the account. So I was like, I mean, if they're not helping me, like it's not going to be any real like difference. Like I was already giving a percentage away. So I was like, if I joined an agency and they can. kind of help me run the account, then it's basically the same thing. It's just not my friends. So in December, I decided to go with the first agency. Didn't work out because they were really bad at communicating. And they were taking about, they were taking 35% of what I was making.

Starting point is 00:13:53 But they weren't really doing anything. So that's when my income from that started to go. down a little bit. What are they supposed to be doing? They're supposed to be marketing and like promoting and running the account like chatting and stuff. So they all they were basically doing was chatting. And so I mean, I thought they were going to help me with the promotion, which would get the traffic in. But then they weren't bringing traffic in. So they weren't really making money. What's a chatter? A chatter. So typically it's someone, when it's a part of an agency, a lot of the time, It's someone from overseas who is chatting pretending to be you. So they're talking to...

Starting point is 00:14:34 So a dude's getting off to an Indian dude. Mm-hmm. Yeah. Pretty Indian or I think a lot of the time they're from the Philippines. I've heard that a lot. I don't know because they never let me talk to the chatters. So I... You can't talk to the people doing your own inbox.

Starting point is 00:14:54 Nope. Okay. Sorry, go on. So I ended up ending it. With that agency, I found another one that was like, I'm going to make you so much money. I'm going to make you like 30K within the first two months. And like, I mean, I took it with a grain of salt, but I was like, okay, well, hopefully these people have it a little bit more under control than the last people did. And he was better at talking to me.

Starting point is 00:15:19 All of a sudden, though, then he stopped talking to me too. And then he called me and was like, hey. He is an agency? Yeah. So I only spoke to one person. I only spoke to one person. Yeah. Okay.

Starting point is 00:15:33 My judgment, I don't know. I can't, I couldn't tell you about my better judgment. But so he ended up calling me one day and said, our office caught on fire. So we're not able to support you anymore. We're going to send you over to another agency. And so then now I'm on my third agency. And this agency, they ended up. it was one main guy in charge of it, and then I had like a team.

Starting point is 00:16:04 So this was the first time that I had like a full team that I was like talking to, like a social media person and the CEO and just like the person who was in charge of chatting. So the communication was better, but they still weren't really making me money. Like they weren't promoting me. They ended up like, so. So I have like an alias on only and so. Fake name. Yeah.

Starting point is 00:16:34 I have a fake name on only. Okay. And they ended up sending out a shout out, the only shout out that they ever sent. And they sent out like my actual name. So. Okay. Yeah. So I told them, hey, like I need you guys to take that down.

Starting point is 00:16:53 It was up for like maybe an hour and a half, I think. So it wasn't up for that long. but it was up long enough that like there were people who saw it. So then they took that down. After that, they really like weren't really talking to me. Like I was like, hey, like, do you guys need anything from me? How much are you making? So I was making 2000 with them.

Starting point is 00:17:20 Before I even joined with agencies, I was making like 5,000 a month. What the fuck you do? Okay. So then I joined the agency. is and like they got me like 2000, 1,000 like it really it really shot it down a lot at one point there was a guy who messaged in the inbox and was like hi so-and-so and used my like real name and the chatter was like oh hi like didn't shut it down at all and then the guy was like you're so easy to find on the internet. Like you're, you're so actually easy to like find. And the chatter totally

Starting point is 00:18:04 just was like egging it on. He was like, hey, how would you like it if I took your photos for you and helped promo you on another site? And the chatter said, yeah, that'd be cool. And no one talks to me about it. No one got my permission to do that. Like he had like my identity. Like he was ready to post like everything real about me on this random site. And so then he did. And the company, the agency that I was with, they didn't tell me. All they did

Starting point is 00:18:38 was they blocked the guy and then they... Is this a long-worded way of saying you don't make that much right now? It is, but... How much do you make, what? No, I want to finish the story. So, um,

Starting point is 00:18:52 what happened after that, now I lost my train of thought. So where did I leave off? A dude posted boobies online. You guys got it taken down. Yes. It got taken down two days later. What they did was they blocked the guy and they removed the chat and then they tried to pretend like it didn't happen.

Starting point is 00:19:11 And so I tried to get a lawyer. Yeah, notoriously good. OF agencies. That's who we should trust. Okay. Listen, I thought they were going to make me money. But they didn't. So I tried to get like a lawyer and everything involved and that didn't end up working out.

Starting point is 00:19:25 because lawyers are expensive. And so I never fully like, they just started ignoring me. So then at this point, how much do you make a month out this? Of this, nothing. They ruined my account. You do nothing. Yeah, they ruin my. Well, how long has it been since you've stopped using them?

Starting point is 00:19:45 Like a month. Oh, very fresh. Okay. Yeah. Okay. I mean, are you posting? No. I felt.

Starting point is 00:19:55 money if you don't I know I fell off of it because I was like well yeah you got by the agency yeah and that it kind of just turned me off to the whole thing do I want to keep doing it yeah I do you okay well there you go yeah do I don't know yeah I just like I'm now so in the habit of not going on the account because people were on my account for so long that I just fell out of it

Starting point is 00:20:16 I'm gonna fucking give a tutorial on how to do this no I know I know how to do it here's the thing it's a business Yes. You got to produce the product for the business to work. Yes. You got to have a little bit of drive. I'm not even saying you should.

Starting point is 00:20:33 But I'm just saying if it is your choice to do that, whatever. I don't give a consent to adults, whatever. Yeah. Then for it. I know. Listen, you got Stu, how long were you in the two agencies combined? Wait, whoa. Both agencies combined.

Starting point is 00:20:48 How long were you there? Like two or three months. Three months. That whole thing was three months. So two of both agencies, so you went from 5,000. Not loving your AT&T or T Mobile bill.

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Starting point is 00:21:24 Best Overall Mobile Network, From a few us, second half, 2025, all rights reserved. It must provide a recent consumer mobile bill in the name of the person who gave me the deal. Additional terms, conditions, and restrictions apply. Month to zero in three months? Okay, then you could ramp if you wanted to. Yeah. Then I, like, okay, learning lesson.

Starting point is 00:21:38 It wasn't a multi-year process. Yeah. It was three months. Okay, that's a slap on the wrist. Who gives a fuck? Yeah. And do you even want to? Are we trying to get into dog grooming?

Starting point is 00:21:47 Is this going to impact our dog grooming career? I don't think it's going to impact the dog grooming career. I think that's a big reason why I want to go into it is because, because I'll have like the time for only at night and then I'll have the dog grooming in the daytime. Okay. Fine. Yeah.

Starting point is 00:22:05 Okay. And I don't, I mean, I don't think. Someone from L.A. Yes. Okay. I don't think the dog groomer cares.

Starting point is 00:22:10 Everyone's showing their tits in L.A. I know. Yeah. That's. Everyone pays rent there, I guess. Yeah. I mean, listen,

Starting point is 00:22:21 there's the simple, if you're not doing it, you're not making money. I'm not going to encourage. is you doing that or disencourge? I don't give a fuck. It's just weird in this situation. But it's like, I'm not surprised.

Starting point is 00:22:34 I mean, if you want to make money, then fucking make money, dude. Right. Yeah, no. What are we doing? Yeah. I mean, I had one guy who was a bigger spender, and now he's off of only.

Starting point is 00:22:47 It really has just gotten to be a lot more work. How much of your $5,000 a month is from him? Oh, man. I think he's given me like $20K. Okay. What are you actually making $5,000 or were you just having one special donor? Oh, that's a good question. Oh, come the fuck God.

Starting point is 00:23:02 No, no, no, no. In the very, very beginning. In the very beginning, I. What's the very beginning? August, September. Oh, my gosh. This is fucking three-fourths of a year ago. Yeah.

Starting point is 00:23:14 So I had one person. Is this just you and your girlfriend? No, it's just me. Okay. Like on only. Just like posting pictures? Yeah. Okay.

Starting point is 00:23:25 I mean, I had a guy who wanted it, so... Yes, yes. Yeah, sure. Yeah, because I made like 9K that first month. So, 9 or 10K, I can't remember. But most of that was from him, but I did have other people coming in. It wasn't just him. But now he's gone too.

Starting point is 00:23:46 So now I really just don't have, like, I just... It's kind of like working from the bottom up again. I know you like free things, and I'm giving some things. away for free right now. And let me show you how to get it. First, I'm giving you a limited addition financial audit Tumblr plus a 30-day trial of simpler budget premium to new users when you buy my four-class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries. You'll still get access to that 30-day simpler budget trial. And act now because we're winding down our intro

Starting point is 00:24:27 pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. What? I have no sympathy. Yes, you have to do business. If you're going to make money, you have to actually do, if I don't film here and I do nothing, the business is. isn't going to make money. If you don't produce a product, like a budget nap or something,

Starting point is 00:25:03 the business isn't going to serve? Like, what am I supposed to say to that? Okay, so now you make, like, what hits your account on a monthly basis? From only. From everything. From everything. OF is zero. Yeah.

Starting point is 00:25:16 So monthly for my job. Is this just a 30 hours a week, right? Yeah. How much? What is your account? Like 25. Okay. Great.

Starting point is 00:25:28 $2,500. Let's say that. So nothing for L.A. Yes, nothing for L.A. You rely on your girlfriend's mommy. I mean. You rely on your girlfriend's mommy. No.

Starting point is 00:25:42 What? She subsidizes your living situation. You wouldn't be able to live in the city that you're in if it wasn't for mommy. Yeah. Yeah. Yeah. Yeah. No, I mean, I feel like all she does is pay H-O-A.

Starting point is 00:25:59 like we're basically she's just not making anything off of us. When did she get the house? I don't remember. Exactly. It's not that thing. If you paid market rent, you would be paying higher rent. It doesn't matter if you're covering the mortgage. Maybe she got the mortgage 20 years ago. I don't know. Yeah. Okay. And is it just her mom? Yes.

Starting point is 00:26:14 You look like a mommy's girl. Your mom doesn't provide any benefit to you? My mom? Yeah. Yeah. Sometimes. There you go. Okay. Oh, there you go. See what? What? What do you get from? Your mommy. This is a mommy household. Just funneled. Mommy, Mommy, so I can play with boobies online.

Starting point is 00:26:33 I love my mom. Like, my mom's like my best friend. I love my mom too. She doesn't fund my lifestyle because I'm an adult. She doesn't fund my lifestyle either. What does she get to? She gives me money for food sometimes. That is funny with gas.

Starting point is 00:26:44 You tit, that is what, that is funding your lifestyle because you have to eat in order to live. Yeah. So you being able to go spend money on all this other stuff because you don't have to pay for food because mommy pays for food. Yes, she is funding your lifestyle. What are you talking about? I mean, she gives me like $40.

Starting point is 00:26:59 dollars like every two weeks. It's still money. It's like Starbucks. Okay. I really try to do everything for myself. I really do. Try, but then we get subsidized by girlfriend's mommy and then mommy pays for our bullshit. Okay.

Starting point is 00:27:15 Yeah. I mean, I'm an only child. So I, it's just my mom and me. My dad's not here anymore. So it's just my mom and me. Well, where is she? In Lakewood. I don't know.

Starting point is 00:27:27 Is that a part of ballet? Yeah, it's a part of ballet. Not everyone's in L.A. Not everyone knows what a lakewood is. There's a lakewood in every city. Yeah. That's true. Okay.

Starting point is 00:27:37 No, yeah. She's, yeah. So she's like 30 minutes for me. Good. Okay. Yeah. So she's aggressively spoiling you and not allowing you to grow up both moms. I mean.

Starting point is 00:27:48 Yes. Where do you think your finances are as zero to ten? Zero being the worst, ten being the best. Probably like a two. Yeah. You know. If you want your Hammer financial score, go to Calebhammer. or click the link in the description below, take the assessment and see where you stand.

Starting point is 00:28:03 And if you want to come on the show and you're from anywhere and do anything, apparently, you can go to caylohammer.com slash apply, and we'd be happy to look at your application and have you down here in Austin, Texas, where there's probably a lakewood somewhere. Okay. All right. You guys have good rent here. Yeah, better rent. Well, actually, rent fell substantially because we actually allow people to build housing

Starting point is 00:28:25 on, like, unproductive cities like Los Angeles. Yeah. Okay, above lending. Okay. What's going on here? What even is above lending? So, I don't know this account. That is my loan for all of the credit cards that I had.

Starting point is 00:28:42 I had consolidated it? I did. I consolidated my debt back in. Let me guess where this is going to end. Okay. Do you want to guess? Or can't be going? Yeah, you still keep going.

Starting point is 00:28:52 Okay. So I consolidated my debt back in November of 2023. I had a lot of credit cards. And so then in March, I think it's been a year, they had contacted me and they were like, oh, well, do you want us to just give you a loan to pay off the consolidation, and then you can just pay off the loan? And I was like, yeah, that sounds much better

Starting point is 00:29:21 because it ruined my credit score, like the consolidation and everything. So I... Okay. Yeah, so then this loan, paid off the consolidation. You're consolidating and consolidation of credit cards you couldn't control. Great. This is obviously shaping up to demonstrate that you are a very responsible person with money.

Starting point is 00:29:42 Yeah, I mean, it started when I was 18. It always does. That's when you can get credit. Oh, look at me. I'm a unique 18-year-old. That's what happens with everyone. Sorry, I'm being a dick. No, I mean.

Starting point is 00:29:52 That's what happens with everyone. Like, don't try to make that like a unique situation. No. You know what? Go on. So yeah, I got all of these credit cards. I think I had like five or six, all from ages 18 to 20. So they totally.

Starting point is 00:30:07 It is actually a lot to open in just those two years for what it's worth. Yeah. I mean, I'm not saying I'm good with me. What were you doing? I had like a Victoria's Secret credit card that I like blasted. I maxed out. What is blasted? I don't know.

Starting point is 00:30:23 People in your industry blasting, getting blasted, something different. I don't know. Anyway, so yeah, I maxed out that card. It all started there. That was my opening to credit cards. The rest of the credit cards, what were you doing? Max out open, max out open, max out open, max out open. Pretty much.

Starting point is 00:30:48 What are you spending on? Were you actually working, going to college? What were you doing? Because that is an insane amount of credit cards in just two years. I went to college for one year. And then put your life on a credit card? Yeah. Okay.

Starting point is 00:31:01 I mean, there were different uses for different credit cards for sure. I think I got, because like I had my Discover card and that was like a $10,000 limit. I don't know who thought that was a good idea. But. I think that wanted to give you $10,000 for you to spend $10,000 so they could charge 30% on that $10,000. Yeah. It was a product. Yeah.

Starting point is 00:31:25 Okay. but yeah so I don't remember exactly what I spent that on but I'm almost positive was it probably just like unnecessary items like clothing and probably food came into there I spent a lot on food because I don't okay yes I just feel as you're 28 why did you start people sometimes like turn 18 immediately get on that OF train when it comes to agencies like those agencies just like wait and then they're like oh 18 yeah you started decently late for someone. Why'd you start so late? Like, why randomly did you start this, like, literally becoming an online person working and dittling? So I had always kind of like, I don't think I knew about it when I was 18, but. I don't know if it existed when we were 18.

Starting point is 00:32:15 Yeah. Oh, you. But. I'm two years old. Damn. I'm sorry. But, um, I think. it got to a point where my savings were like super duper low.

Starting point is 00:32:29 Oh, see, that's what I don't like. I'm looking with doing whatever the fuck you want as long as it's not like harming someone else, which someone argued that it actually does. But either way, I'm okay with consenting adults doing consenting adult things. I don't like the fact that you got pulled to it out of desperation of finances. And yet you want to, you want to go back? or do you feel financially desperate to need to go back? That's a fantastic question.

Starting point is 00:33:02 I pulled back into it out of just needing money. Okay, so you don't actually want to go full booby on the nippy on the display? Not necessarily. It's not something. Okay, then don't. Let's get you away from it then. Yeah. I will help people do whatever they want to do.

Starting point is 00:33:19 But if you want to get away from that, let's look away from that then. Mm-hmm. Yeah, I mean, ideally, it's not something I want to do forever. It's definitely like, it has its fun moments. It was fun when I was making money, but when I'm not, it's like. Yeah, I mean, it's always exhilarating something when you're making money, but do you want to be making money from flaps or money from shaving dogs? Shaving dogs.

Starting point is 00:33:43 Yeah, so let's focus on that then. Yeah. Let's let that be the career track. Yeah. Okay. I would rather that. See, that's something completely different. That is a different direction for the conversation.

Starting point is 00:33:53 that because I'd rather get you away from that industry that can be very toxic. Yeah. Very exploitive as well. Yeah. Okay, so it consolidate for a consolidate. I mean, it's $15,508 and $33. This is unfortunately when you make these choices and being just stupid with our money, it pushes you into the dark corners like that.

Starting point is 00:34:13 That's what I don't want you to do. What's the minimum payment for this? What is the interest on this? Like, what is anything it doesn't say? So the minimum payment is $220 a month. It just automatically comes out of my account. Which is brutal for $2,500 a month is what we're making. Yeah.

Starting point is 00:34:27 Okay. So actually, no, but it's every two weeks. So altogether. $2.20 every two weeks? Yeah. Oh, this is a f***. This is a. Yeah.

Starting point is 00:34:37 This is a for your $2,500. In $2,500, that's 18%. Yeah. $440 a month. $440 a month. What is the interest? That I actually don't know. Come on.

Starting point is 00:34:51 So they sold you? Who sold you? You got a consultant. And then someone sold you? Yeah. Into a higher interest product, probably? Probably. I don't know the interest.

Starting point is 00:35:01 I'm going to be so honest with you. It's taken me a minute to even understand interest. Like, it took me until I... 27.39%. You're not even saving money from a credit card. It's the same kind of interest rate as a fucking credit card. Yeah. So what was the intention here?

Starting point is 00:35:22 Well, yeah, what was your desired intention here? Like with the lend? Yes. The loan, I mean. Yes. What were you trying to do? I just wanted it to be one payment. I can't do.

Starting point is 00:35:36 I forget. I forget to make payments. Forget. Put it on auto pay. Yeah. Okay. You don't get to leave here. Just like everyone else is on the show without downloading the simpler budget app.

Starting point is 00:35:48 If you can't manage a single payment, you have to, at minimum, no. where all your money is going on a monthly basis. This is literally automated. Interact with the community in there. It's people holding each other accountable. You get premium forever. You guys get a multi-week trial. And for those who sign up for the annual version,

Starting point is 00:36:06 I'll sign you a signed copy of the cookbook and the simpler budget journal as well. I'll sign them both and send them directly to you. But you do not leave until you sign up for that. I mean, the fact that you couldn't handle payments, you may have actually been saving more money. I don't know. We can figure out the math.

Starting point is 00:36:22 But at that point, I mean, you just can't be responsible enough to handle accounts. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen. With millions of deals on flights, hotels, and rental cars,

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Starting point is 00:37:02 Yeah. Because even, even if I get you on the FIS card, which a lot of people do, I mean, even that, I mean, you're still going to have to make a payment. It just doesn't allow you to spend what's over your checking account, but you, but you still have to make a fucking payment, and I can't trust you to do that, okay?

Starting point is 00:37:20 I mean, I feel like if it's one payment, I'm good. If it's one, like. Yeah, but it's one for, one and then you have another, then you have another. I mean, it just constantly becomes multiple one payments. Then you have a $1 payments. Exactly.

Starting point is 00:37:33 Yeah. But it just feels better with it just being $2.20. I don't have to log into like Victoria's Secret and Michaels and Care Credit. And like it's so I have too many. It was overwhelming. This made it a little less overwhelming in my opinion. Yeah, but why did you consolidate to consolidate? I mean, it seemed like, no, it seemed like a quicker.

Starting point is 00:38:08 It seemed like a quicker thing. I would be able to pay it off faster. Were you? I mean, I'm still paying it off. I mean, it's a 30% interest rate essentially. So, yeah. I mean, we know what comes in. How much did you spend last month?

Starting point is 00:38:20 Last month on everything. Everything. Including debt. I want to say it. at least 3,000, at least. But I... So you're okay with most spending more money than you make.

Starting point is 00:38:31 Probably because both mommies support you. Okay. It was also 5,672, so... 5,672. 5,672. Oh, that was my... That was... Do you care?

Starting point is 00:38:45 Oh, I absolutely care. Then why the fuck did you do it? I... Then why would you not know? I just have a hard time managing. have a hard time. Like, why? Tell me how you manage.

Starting point is 00:38:58 I, I don't. Like, I just like, I'll just. We really care. I do. So we just don't.

Starting point is 00:39:06 I mean, because like, there are different areas in which I'm better at the money. Like, I have, like, I have, like,

Starting point is 00:39:14 a savings account specifically for summer. Like how I said I. For some. Yeah, maybe that pays off the fucking day and you don't take summer off. You don't take summer off.

Starting point is 00:39:23 You, okay. So, okay. Okay, okay, what else? What else? What else? What else? What else are we good at? You're only able to save up for fun, but you're not able to actually take pay off the bad. Okay. Yeah. What else? What are you good at? Um Oh, come on.

Starting point is 00:39:43 What? Well, now I'm second guessing myself. Um, I mean, I think that I'm good. Like, I, I calculate everything that I'm going to make every month. I, I calculate my hours and I try to like lay it out. But that means nothing without knowing you're fucking spending. Yeah. That's my problem.

Starting point is 00:40:04 That's my problem with having a savings account is because I just constantly pull out of it. It's not actually a savings account. Okay. So what the fuck? So it's... Okay. All right. Let's talk about something most people ignore.

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Starting point is 00:41:35 Fick sake. I've never even seen a Michael's card. Yeah, I had no idea that they had them. I've never seen. But that first purchase, I got 20% off because I got it. This is so stupid. Well, on your first purchase? Yeah.

Starting point is 00:41:51 20% off. Yeah. It was nice. Listen, you were at 486. You could have paid that off. I know. That was my full intention. Not your full intention.

Starting point is 00:42:06 Also, would have probably happened. It's probably like a quarter intention. You made a minimum payment and then you just. Then I forgot to pay one. Yeah. And I forgot to pay one. And then, yeah, I forgot to pay. When?

Starting point is 00:42:18 Why? That is why I'm saying. saying. Hey, hey, if you knew that and you had to consolidate it for it, then why the f*** did you open this card? I, if you know this, you are self-admitting this flaw. So don't do it. Don't do it.

Starting point is 00:42:32 When I know I'm fucking, if I know I have Oreos in my house, I will flam them. Yeah. Why are you getting this? I just, I really, I really wanted something from Michaels and I just didn't want to spend. So buy it with your fucking money. I didn't want to spend like my actual money. I only got 20% off. But this is.

Starting point is 00:42:58 This is because then you're having interest. Whatever 20% you've immediately lost. Yeah. Immediately lost. Because of the interest. Right. Yeah. Because of the interest.

Starting point is 00:43:07 Yeah. But I just like I figured it would be better. I like paying things off in increments later. That's why I like doing like Clarno and stuff. Wait, no you, no you fucking don't because you can't manage your payments. What are you talking about? You do not like that. You objectively do.

Starting point is 00:43:23 not like that because you can't do the, you have admitted you are incapable of doing more payments than one. So how would it make sense to get in all these paying for us? Because you have to make those payments. I don't know if you know that, but you do have to actually pay them. Well, I need I need to turn on an auto pay on that one. Yeah, on everything. Why don't you? Well, it is on my clarnas and stuff. Like on my clarned, my affirm and that those are auto payments. There are just like things that I want and I don't necessarily need, but I want them. And, And that's what I put on the... And you want that more than getting out of debt.

Starting point is 00:43:56 Because if that's so, okay, fine. We can call it. Because good. If that's the life you want to live, that's fine. I'm okay with anyone living the life they want to live. I yell at people and give them the wake-up call because they want it. They sign up for it. They want to get out of debt.

Starting point is 00:44:14 They want the tools. They want the resources. They want to join the median $10,000 paid off in 10 months that our guests do on the show. That's what they want. If you want to spend your money on bull- If that's what you prefer, if that's where your objectives are, if that's what you care about in this world,

Starting point is 00:44:27 then go do it. I don't care. But I want your help. I, because I just have no self-control. I have no self-control and I'm trying to get it. I'm trying to get my shit together. I'm trying. I'm like.

Starting point is 00:44:43 By spending double what you make. Yeah. That's trying. That's the word trying. Yeah. I mean, I just, I really like to shop. So I just, I'm trying. to be better, but I...

Starting point is 00:44:54 By spending double what you make is trying. I'll never understand this. I feel like I have this part of the conversation in every episode. What the fuck are you talking about? I feel like when people get pushed to the edge, they say, I'm trying. After they get called out on all their bullshit, their human emotion, human instincts to say, I'm trying. Are you?

Starting point is 00:45:09 Are you? I have literally your actual accounts, your literal most recent statements. There is not a single indication of trying. In fact, you consolidated it, and then you opened a credit card. Didn't make a payment on it. And that is my I'm trying. What the fuck are you talking about? Not going to baby you.

Starting point is 00:45:30 I'm trying. No, you're not. That's a load of bullse. That is you trying to get out of being pushed back on. Don't fuck with me with your trying. I want to be better. I really do. I just like, there are times when I see something that I want

Starting point is 00:45:50 and I just need to get it. And we budget for want. Again, you build up the want category and literally you put, it automatically goes in there. And you know if you've maxed out your want category. I'm okay with the want category. In fact, once people pay off fucking debt and have an emergency fund, I give 30% of people's incomes to wants, which is a substantial amount of money. That's huge. Yeah.

Starting point is 00:46:18 Great. You're not there. Okay. Well, I would love to know how I can. get there. Because I... Let's start with don't spend double what you make. Okay.

Starting point is 00:46:32 Don't open a new credit card when you realized you couldn't manage credit cards and you had to consolidate them in the first place. Start with those. So what I've learned so far. I've learned if you're going to do a business, you actually have to participate in the business to make any money. Even though we're not going to do that anymore because you actually don't want to do that.

Starting point is 00:46:52 You just feel like you have to, it sounds like. So we're actually not going to do that. Yeah, let's start with those. The most literal basic things that you were incapable of, it seems, for some reason. I really don't know. You don't know what? I don't know what to say because, like, I feel like everything. Probably nothing to say.

Starting point is 00:47:19 Everything that I say. This is at a 36% interest rate. Which one? Michaels. Michaels. I don't think I've seen a credit card that high. I think that's the highest interest rate of credit card I've ever seen on the show. Wow.

Starting point is 00:47:31 And I film a lot of these. That is crazy. I could be wrong, but I think that is the highest interest rate on a credit card that I have seen. Yeah. And yes. I think you've had two missed payments this year. Too late payments this year. Just since October.

Starting point is 00:47:49 This year, do you know what this year is? Well, yeah, no, 2025. This year didn't start in October. No. I don't know what they teach at OF school, but it starts in January. And it's been this year so far too late payments. Does it say how many? Wait, since January, I've had to-

Starting point is 00:48:15 Typically with the fees that usually get added from late payments, that's how the math looks, or they just have a high late payment fee. I don't know. They have a high interest rate, so maybe, I don't know. What did you even buy to open this? What is worth this to you? What is worth all of this to you?

Starting point is 00:48:37 You know, like the little Halloween figures that they have at Michael's, like the little Halloween town. No, I've never been to Michael. So they have like these like LeMax Halloween town figures that like light up and they're like little houses and stuff. You don't even do it in a fucking hobby. Isn't that what Michaels is for for hobby? I think you're occupying your brain. You're just buying some Halloween town action figures or something.

Starting point is 00:49:00 I mean. Some GI Joe Halloween towns. They're better than GI Joe. I feel like it's like a tradition for me. Mentally it's a tradition for me. A tradition to stop your finances yearly. Sure. The year that starts in October.

Starting point is 00:49:13 It is a tradition for me, because it was always a tradition with my dad too, that I want to get a new piece every year. Does it feel weird to be entering the third quarter of the year when the rest of us are entering the second quarter of the year? Today? Yes. I don't. Okay. They just gave me a picture.

Starting point is 00:49:45 So you don't want to know about my Halloween town. It's a decoration? Yes. It's not even. It's a shi-looking decorate. It's not a $1. I mean, each piece is different. Like, how many pieces did you get?

Starting point is 00:50:00 I got two this year. I think one was... Two costs, like, $300? No, I think it's accrued. Like, I had, like, the credit limit of $300, and then I spent... Dude, your balance was basically $300. Yeah, because of the interest, right? Where did you purchase these?

Starting point is 00:50:19 October. Okay, that makes sense, Halloween. Yeah. No, I mean, if you make your minimum monthly payment, it's more than your interest accruing this year so far. Yeah. I don't know about last year. Dude, this doesn't make any sense.

Starting point is 00:50:35 How much did these action figures cost? I think they were like, I think they were like 100 each. So you're telling me you've had about $100 in interest and fees since purchasing these in October. I swear, yeah. They were not 300. I had like a balance. That's not better. No.

Starting point is 00:50:54 It's worse. No. Oh, God. I had a 36% interest rate. Wonderful. Well, that's just about the stupidest credit card I've ever seen. That's funny. No, I don't think any of it's funny.

Starting point is 00:51:15 I just like, what do I do? You're yelling at me. What do I do? Do your stupid October spending? Okay. Synchrony. That's what it looks like, right? No, care credit.

Starting point is 00:51:32 Care credit through secreting. Okay. Did you just fart? Are you having a fart? No. My stomach is growling, though. Did I just? No.

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Starting point is 00:52:37 That care credit probably smells like dog fart. It's all my dog. Oh, this is all your dog? Yeah, that's all my dog. You cannot afford to get a patent in 2025 if you do not get pet in. insurance. And it's really as easy as that. Well, so I actually, so through VCA, they have like a monthly rate that you use to. It's kind of like insurance, but apparently it's not as good as insurance because then I took my dog to the emergency room and that didn't cover it. So that's why

Starting point is 00:53:12 I had to take out the care credit. Is it? It just covers like doctor fees, I guess. They wanted me to It's the bare minimum. It doesn't cover emergencies. It covers like the annual checkups. Yeah. Okay. And vaccinations probably. Yeah.

Starting point is 00:53:26 Okay. So $277 from $34. So the minimum monthly payment of $30. When was this? That was last month. Yeah. It was beginning of March. This is pretty cheap for an emergency visit.

Starting point is 00:53:40 What even happened? So my dog, I just got my dog. So she's like five months now. And she's all. All over the place. Yeah, I want to get pet insurance better than what I have. If you can after this trip, I don't know. Let's see.

Starting point is 00:53:55 No, that's real. So she's usually pretty like all over the place. And there was one night when she was just kind of chilling on the couch. And I was like, huh, seems like she's growing up, babe. I think I think she's calming down. And my girlfriend was like, oh, yeah, this is like, because my girlfriend hates my dog. So she was like, this is. This sounds like an incredible relationship.

Starting point is 00:54:18 No, it really is. It is a really good relationship, I promise. She hates essentially your guys' like child. No, we have three cats too. But so she was on the couch. She was like limp. So I thought my dog was dying. So I ended up taking her into the vet.

Starting point is 00:54:37 And the vet took me in and I was like, I think my dog is dying. So she was like, we need to run all these tests. And I was like, I can't fucking afford all of these tests. Then you shouldn't have a dog. Well, it was like these, like, because she was, she was high. She got a hold of. Couldn't afford the tests, though. Yeah.

Starting point is 00:54:57 So you shouldn't have a dog. Well. Not well. If you can't afford to take care of the dog, you can't afford the dog. Well, I take care of her in every other way. This is a pretty important way, I, keeping them alive during an emergency. Well, yeah, if I had to spend, like, I have the savings. So, like, if I had to spend, like, that $600.

Starting point is 00:55:17 I would. It's just like... What is in savings? Insate. Like, how much do I have in savings? Yeah, you brought that up twice. What is in savings? Like, 1600. So it's not... Okay. You made it sound so much more substantial. That's your summer fund? Yeah. Good luck. It's not a fucking month fund for you. It's not a half a month.

Starting point is 00:55:40 It pays for my rent. I was going to instigart for the rest. It pays for a third of what you spent last month. Yeah. I was going to insta cart for the rest. Okay. So your dog got high because... Yes. You can't put your weed away. Apparently, yeah. Yeah, because you're an adult in every instance

Starting point is 00:55:53 in every situation. Yeah. But yeah, so she ended up getting high. They ended up just sending us home. Everyone on the show, everyone bad with money is either addicted to nicotine or they're fucking smoking with the constant.

Starting point is 00:56:06 How much you spend on a monthly basis? I don't smoke it a lot. How much do you spend? Like zero. Like, it's like $50 every few months because I do not smoke that much. But you leave it. out. Yeah. I mean, I don't think she got a hold of like a whole thing. Like I feel like we might have

Starting point is 00:56:27 smoked and she like got like a piece. Like it was like a one time thing. Like I don't think it would happen again. I hope not. Yeah, me too. I don't know how you can afford it. Yeah. What am I looking at here? I don't know. This looks like a pay and four, but I don't know which one. Oh, I think that's after pay. No, that's a firm. you're overdue. In that, yes. Yes. I didn't have the auto-pay.

Starting point is 00:56:56 I pay all those on time. Yeah, I didn't have the auto-pay. It's what you said earlier. I didn't have an auto-pe. Yeah, so she changes it like three days before coming on the show. Fuck off. Listen, you let us to believe that you were okay with managing these because you always pay them on time. But there you go.

Starting point is 00:57:09 It's completely $528. Yeah. You owe $528.46. What is this deferred for eternity? No. Open it up because I need to see your current plans. Okay. You only sent, oh, you, oh, you only send, like, the first page of things.

Starting point is 00:57:27 I need to see more. I need to see more. That's for the firm, for Amazon. Oh, I'm sure. I'm sure we've added some since then. It's not even, like, letting me see. Oh. I'm sorry, I'm trying.

Starting point is 00:57:43 Let me, okay. Here you go. You are welcome to look through this. Her balance went out by $250. It did. That's from Expedia. What? to come here.

Starting point is 00:58:06 Okay, well, at least you get reimbursed for that. $759. She doesn't know how to tell the truth, guys. She doesn't... Hey, half of these have auto pay. The other half don't. So good luck paying those on time, because you didn't even know. Amazon, Walmart!

Starting point is 00:58:42 Walmart is auto pay. Nope, nope, literally no, nope. The $6 was, right? Nope, nope, it is not. It literally says off. Oh, that's ridiculous, because it was on. It's off, and I can't trust you, no offense. But at this point, with everything you've said so far, there is no trust.

Starting point is 00:59:01 Dude, your phone's obnoxious. You get just spam, spam, spam, spam every five seconds. Oh, my gosh. Okay, your minimum fee payments on here is $184.41 cents. Use our reimbursement and pay off the Expedia one. Yeah. This is so stupid. I know.

Starting point is 00:59:19 This is so stupid. While I'm on here, let me look at your subscriptions. I don't think I'm subscribed to that many. That many, correct. Well, I think it's like Google Drive. Yeah. And Gmail. Pay for Gmail?

Starting point is 00:59:33 I didn't know people paid for Gmail. Yeah. We've had every image editor and video game in the world. Wait, what? The things you have subscribed to. Like in the past. Yeah. Yeah.

Starting point is 00:59:48 Dog training, guitar pro tab thing, Apple TV Plus. That one is a very worth of subscription. The Apple TV. Plus. Yeah. Best streaming service.

Starting point is 00:59:59 Let's look at your Amazon orders. Also while we're here. Uh-oh. Fake eyelashes. Are you wearing them? I am. Oh, is this pee paper for the dog? Yeah, the pee pads.

Starting point is 01:00:12 It's a horrible training. No, because we live in an apartment, so I'm just trying to get her to go somewhere that's not the floor first. I raise my dog in an apartment and I did not let him pee inside. And guess what? He never pees inside. I take her out.

Starting point is 01:00:27 Yeah, but you're allowing her to pee inside. It's not good. Wigs, are you wearing a wig? Huh? My hair wasn't ready for the day. So you're wearing a wig? Yes. What does it look like under that?

Starting point is 01:00:40 Blonde. I mean, it's greasy right now. Messy. So is it a prop for the... O-F? It could be. Okay. Yeah.

Starting point is 01:00:53 Dog graduation cap and gown. Plad dog dress. Nohi overnight curls. Party variety overnight's oats overnight pack. Lash claw. More fake lashes. Okay. You get those every second of our lives.

Starting point is 01:01:09 Stylus pen for Apple. Dog poop bags. The first one I actually finally support. More lashes immediately. Puppy feet. pads, bad, bad, bad. Sling, dog carrier sling? Yeah.

Starting point is 01:01:24 What a dog do you have? A Pomeranian. Fake nails. So it just yaps all day? Oh, yes. Oh, I could never do that. Oh, yeah. She's rough.

Starting point is 01:01:34 That's kind of my girlfriend can't stand her. Yeah, you're a lap. It was yapping while on the phone with Lindsay, she says. Oh, no. I'm sorry, Lindsay. Oh, yes. Oh. Guys, I just wanted to say an extra thank you for.

Starting point is 01:01:50 making simpler budget an incredibly popular app. I wasn't expecting it, but we literally get thousands of downloads a day. And a lot of you are actually changing your financial future and we've been hearing from you. So thank you all for supporting us. We just wanted to continue to say thank you and give people the opportunity to try out the app. So we still have a two week free trial in there for the premium version. And of course, everyone that signs up for an annual version, at least for this next quarter, we'll get a Founders Edition, Simpler Budget Notebook. And it is signed by me, sent directly to you. So that's a special thank you for putting your trust in us to create an amazing budgeting app.

Starting point is 01:02:25 And let me tell you, the features that we're going to release throughout this next year are about to be crazy. I'm going to make this the best budgeting app that has ever existed. Seriously, download simpler budget now. It's incredible. The time to take control of your finances is literally right now. And as an extra limited time only bonus, I will give you a signed version of my budget-friendly cookbook for free when you sign. up for simpler budget premium annual. Why the fuck are you clarene in Walmart?

Starting point is 01:02:55 That was for a laptop. From Walmart? Yeah. What the what did you even get? It was a refurbished Mac that I got for O. Mac what? That you got for OF. You're still paying for it.

Starting point is 01:03:09 Yeah. I know. You need a Mac for O... Guys, in order to upload pictures of my tits, I need a fucking MacBook. They have a specific software. I need a, I need a, I need a, I need a, Mac Studio. I need M4 Ultra Chip

Starting point is 01:03:22 so I can upload a picture of my asshole. What the fuck you're talking about? They have a specific application that you can use to see what pictures you have already sent to someone. It helps manage the account.

Starting point is 01:03:37 Only Apple has this. Apple and Windows. So the two options. And it's a downloaded. Is not a browser? You can't use it in a browser. No.

Starting point is 01:03:54 You cannot use it in a browser. It's like an application. Yes, but you cannot use it in a browser. I mean, I couldn't use it like on my phone. Like it's a Mac thing. And Windows. And Windows. Which means you could have got a computer you could afford it better.

Starting point is 01:04:09 Okay. Yeah, I guess a win. But this was a refurbished one. I didn't buy like a totally new. Like 700. And what is it? A MacBook Air. Year.

Starting point is 01:04:21 2020. That may have been the first M1. I don't know. Might not have been worth it, dude. You can go buy the fucking, like, M4 MacBook Air for like a thousand right now. That's $300 more, and I bet it kicks yours ass. I don't know. You probably just...

Starting point is 01:04:41 I need a fact check. No, I need a fact check what year it's from. It might be newer than that. What else... What the fuck else are you doing on? What are you carnating every second of your life? Well, I did take a vacation.

Starting point is 01:04:58 Yeah, you take every summer off. We know. This one was in September. Oh, great. Not enough taking two months off. So I ended up actually going to Houston. Classic vacation destination, I guess. The swap of Texas.

Starting point is 01:05:12 I went to go see the YouTuber Mr. Ballin with my girlfriend. To see him? Uh-huh. He did like a live show where he just told like the spooky stories in person. Oh, I didn't know. He did that.

Starting point is 01:05:25 Oh, it was so cool. He's been to my house. What? I love Mr. Ballin. I love him. No way. Yeah. Wait, that's so cool.

Starting point is 01:05:38 Oh my gosh. I'll have to tell my girlfriend. I'm sure. He seems nice. But yeah, we drove from there all the way, or drove from home all the way to Houston and then drove back. but that included like the Airbnb. Polarayan dog, now that I'm thinking about it.

Starting point is 01:05:57 Yeah. I mean, that's not like an adopt from shelter dog. It's like an expensive dog, isn't it? Yeah. How the fuck did you pay for your Palmeranian? My OF money. Oh, my. She was...

Starting point is 01:06:07 You cash flowed it with tits? Yeah. Okay. She was on... I think she was like a thousand. Yeah. When did you get her? When did I get her?

Starting point is 01:06:16 When did you get her? In December. I got her around Christmas time. But around that time, I also got her, like, the training classes and originally the VCA stuff. I got her, like, her exams all figured out. Like, I got the time to stay up. Yeah, it's expensive to get a dog. Yeah.

Starting point is 01:06:40 And then you did it. Yeah. Did you, you didn't firm rash repay all that, did you? No. Okay. I did not. I bought all that with the O.F money. But, like, no, they're telling me you did with the training classes.

Starting point is 01:06:51 No, the training classes, you're right. That was not. That's a part of it. You. See, I can't. Tell the truth, correct. No, I have a hard time. What is this? A car?

Starting point is 01:07:03 Looks like it. I do have a car. What is it? It is a Nissan Rogue SV. Year? 2021. Why the fuck do you need a 2021 car? I know LA is a driving city.

Starting point is 01:07:16 It's not a walkability in sight, but. I had almost paid off my other car, but I, I kind of... I just got bored with that car. You're not going to make it. You're not going to make it. With mindsets like that, you're not going to make it. Like, I can't fix someone who just does that.

Starting point is 01:07:37 Who opens a new credit card out of a whim, even though they decided they couldn't make their payments. Yeah. Because they wanted to get fucking little action figures, except they're just decoration. You couldn't even do anything with them. And then next. They sell off their business to an agency,

Starting point is 01:07:52 essentially that does nothing. Get a car because you got bored, even though we almost were in a good financial position where we owned our car outright. Guys, everything's on autopay. Oh, wait, I'm missing my payments on my things. Oh, wait, all the things that are on in our own pay now, we're not on auto pay.

Starting point is 01:08:12 And it's getting sucked from me. That's what she said. It's getting absolutely sucked for me. You're at just over a 9% interest rate on this car. The minimumity payment include this in your minimums payments with everything. I don't know how the fuck I'm surviving. All right, mommy's $342.

Starting point is 01:08:27 58 cents. Do I have a value? The VIN is not correct for anything. No way. Well, you gave them the wrong VIN. I didn't mean to. Well, we don't know what it's worth, I guess. Do you want me to look up the VIN?

Starting point is 01:08:40 Well, you're looking for it. With this stuff that you're dealing with, deciding whether or not to get back in the industry, actually, before you decide, well, actually, if you go away from it, just go away from it. But if you're thinking about going back before you do, please sit down to the therapist. I'm going to cover three, three,

Starting point is 01:08:57 recessions with Sondermine, talked in the matter. I want to make sure you're doing something that you're not fucking yourself in the future, mentally over the stuff. People go through bad experiences there. Yeah, definitely had one. What, the agency or something else I don't know about? No, just the agency. All the other experiences have been positive.

Starting point is 01:09:18 We haven't done anything. Are you a collaborator? No. It's a solo. Okay, so there you go. Just solo. So when did you get this car? I got it in March.

Starting point is 01:09:27 of 2024. It's going to be paid off in 2030. Yeah. Just take the fucking barrel now. It's looking like the car's worth maybe around 16,000. So it's actually not that bad. So what we're probably going to do with this then?

Starting point is 01:09:42 Okay. You willing to get rid of it? I don't want to get rid of it. I don't want to get rid of it? Am I willing to? Yes. Then I'm not going to be able to get anywhere. Obviously, that's not what I'm saying.

Starting point is 01:09:52 Oh, okay. If we get you another car, are you willing to get rid of it? Yeah. Okay. You're probably going to sell it. What's your credit score? 680. Yeah, you might be able to get a personal loan.

Starting point is 01:10:02 Probably getting a personal loan to pay off the difference about $1,500. Okay, boom. Then you can sell it. Then you get a $10,000 car with a $10,000 loan. Then boom, we've already cut your debt down by $16,000. That's a downgrade though, right? $6,000. That's a downgrade though, right?

Starting point is 01:10:21 Yes. You don't need to live a high life. You make $25,000, $2,500 a month in L.A. Yeah. That's the rough part. Is that all your debts? I believe so. I can't believe I faking into a checking account.

Starting point is 01:10:35 Like, what the fuck are we doing? Start with 45 even worse. Wait, 65. No wonder some credit cards. You know, I bet some of your payments aren't even late payments. I bet they're just bounced payments because you don't have enough money in your checkout to make them. I bet.

Starting point is 01:10:47 I mean, I don't know. We'll see. I, no. That's all fucking stupid. It's a bakery and pokey and community restaurant, whatever, something. I don't know. sending $50 out Apple Cash and

Starting point is 01:10:59 Microsoft Apps Loose Leaf Boba Guys Other than three purchases On here This entire page is bullshit Look at that The entire page

Starting point is 01:11:10 This is fucking crazy You don't give a shit You don't give a Fripe more than ever With a low income In a high cost of living area You don't give a

Starting point is 01:11:22 Loose Leaf Apple Bill Pete's Bella Beauty Lounge, and then you don't even wear your real hair. Phil's coffee. Luna Grill. Apple Cash out. Snack. We're getting a fucking snack for $7.19.

Starting point is 01:11:38 Okay, great. That's a worth it. Snack. Apple Cash sent out. Casa Ramos. Uber Eats. Soup and Fresh. Starbies.

Starting point is 01:11:46 Apple Cash sent out. Seven Leaves Cafe. Luna Grill. Apple. Apple balance cash out. Apple Cash. What is all this Apple Cash you're sending out? It's every second of your life.

Starting point is 01:11:58 Can I see it? Oh, my, it's not something to look at it. It's literally just Apple Cash sent. It might have been to the agency. What? Yeah. Otherwise. You have to pay them their cut?

Starting point is 01:12:08 Yes. And you pay them in Apple Cash? That honestly. You don't even know? I... Luna Grill, Apple balance, Apple Cash. Okay, Apple, Apple Bill, Starbucks, Apple Cash sent out. Apple Cash sent out.

Starting point is 01:12:23 Dumpling Bar. Spotify. Starbucks. Apple Bill Is a law of Starbucks Sought a Frient. Ambition comes in all shapes

Starting point is 01:12:31 and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building fit for your ambition for Citizens Bank. It's stupid.

Starting point is 01:12:44 Zelen out 164, Zellin out 800, Zellin out 40. That sounds more like the agency, right? Yeah. Because $800, that's a substantial

Starting point is 01:12:52 That's my rent. That's my rent that I sent to my girlfriend. You don't have enough money in your account, so you pay $5 just for the privilege of having this account on a monthly basis. You don't even know that. Oh my fuck.

Starting point is 01:13:04 But I did recently, they have at Knott's Berry Farm, they have this food plan. So I... What the fuck you're talking about? Food plan for what? You pay... Farms?

Starting point is 01:13:13 What are you going? You're picking corn? No. What are you talking about? Notsbury Farm. Maybe if I just let you talk about it, I didn't want you to. No, but like, do you know

Starting point is 01:13:21 Notsbury Farm? No. What? So where do you get berries? I don't know. Whoa. Oh, it's like near Disneyland. So it's an amusement park.

Starting point is 01:13:29 Do I live near Disneyland? No, but I thought it was famous enough. I don't know. That's, I guess. Jake, do we know Knott'sbury Farms? Jake has stepped inside of his office. Oh, Lindsay doesn't count. She's from L.A.

Starting point is 01:13:40 Not scary farms. Yes. Spooky, scary. No, it's scary farm. We're going to ask, Jake, do you know? Yes. Oh, okay. Maybe I'm.

Starting point is 01:13:51 Either way, they have a food pass that comes with their annual pass. which is like $100 for the annual pass a year, and then $165 for this food pass. And you can come in any time, and every four hours you can get a meal. So when I'm hard on cash, I do usually do that. How much is it cost to get a meal?

Starting point is 01:14:15 It's free with $100? It's free with $165. $165. You can get a free meal every day? Mm-hmm. Isn't that nice? Yeah, that sounds like a worth-it subscription. Why are they offering that?

Starting point is 01:14:27 don't know. I should date keep it though. Kind of, but also if you're able to literally get a basically free meal or like a 50 cent meal, uh, then why the fuck you're spending so much on going out to eat that makes no sense that actually makes it look even worse. Some days I'm tired and I don't want to go all the way to Natsbury Farm and they don't have like they don't have Boba at Natsbury Farm. I love Boba. Make it at home. I feel like it's just not the same. It's like coffee. It's not the same. It can be better at home. I need someone to prove that.

Starting point is 01:15:02 Listen, going out to eat was almost $700 and then you sent money, Apple Cash out to the girlfriend. For rent. Yeah, but also for food. For going out to eat, it wasn't all rent. You were Apple Cash sending out

Starting point is 01:15:13 every second of your life. It couldn't have been rent unless you're paying rent every day. Yeah. Stop it. Miscellaneous is $700. Oh, yeah. It's so fucking stupid. It's so fucking stupid.

Starting point is 01:15:24 Doesn't make any sense. Oh, my. Sorry, I doubt. Our life is a disaster. It's not funny. 177 than this. It's funny. Five below, so probably it's a bullshit.

Starting point is 01:15:35 Raw store. Starbucks, Starbucks. Snack cat. Two hands. Starbucks. Rad coffee. Starbucks. When you're talking about going better coffee from home, you're getting Starbucks.

Starting point is 01:15:47 Burnt-ass coffee. Fuck off. Zelling out money. Oh, it's all. Circle, Sanana, Amazon. Starbucks, getting some BS, Amazon, Starbucks, Luna Corral, Prime Video, coffee page.

Starting point is 01:16:19 You're hurting my voice with all just the absolute stupid. Yeah. You're going out twice a day, minimum. Probably three times a day. Starbucks. Coffee, lunch, dinner. Yet we have like a 25 cent meal that we can go get. Fuck you.

Starting point is 01:16:33 Olive Garden, Wetzel's pretzels. Great. Cassidy's Corner. Home goods. Getting some bull. Starbucks, T.J.MX. You get clothes every second of your life. Ross.

Starting point is 01:16:45 It's usually just like unnecessary decoration. There is no such thing as a necessary decoration. Unnecessary decorations. Yeah, you're damn right. They're like a stupid fucking little in a sled, right? One of those Halloween

Starting point is 01:17:00 thingers? Yeah. Yeah. That's the picture I saw. It was Halloween people in a car, not a sled. Some bullshit. Hot Topic. Yeah. I love Hot Topic, though. I get rewards there a lot It sounds like you're prepping for a redemption arc

Starting point is 01:17:15 McDonald's Amazon Prime Video Jamba Juice Natsbury admin $21 I thought you got free admissions I'm paying it off monthly $21? That's not $150 No you put it all together It's like a monthly plan

Starting point is 01:17:31 Like how you get a Disneyland pass And you can pay it off monthly It's the same thing with knots But that's not 150 you said it was $150 $150 dollars If it's $21 a month No $164 the food plan and then $100 for the pass.

Starting point is 01:17:44 So it's $250? Yeah, I would say like $250, yeah. But why are you going out to eat three times a day then? If it's $20 a month for that. Well, Starbucks usually in the morning. Yeah, I know. Oh, I thought Starbucks was in the middle of the night. It was not three times a day.

Starting point is 01:17:58 I only eat one time. Starbucks, you lunch, your dinner. Dude, there is no way. But the amount of going out to eat, it is. Plus, sending out for the girlfriend, you're going out to eat three times a day. Starbucks, lunch, dinner. You are. There's no way you can't.

Starting point is 01:18:13 Unless you're getting two dinners a day. Well, Starbucks Leaves Cafe. Probably. Ladies and gentlemen, here we go. Savings are legendary savers. I'm sorry.

Starting point is 01:18:30 You. Negative $4. No. Look at it. Look at it. Let me look at it. Look at it. What bank account is this?

Starting point is 01:18:44 Your bank account. What bank account is this? I have a couple. I have a couple like One for savings One Yeah Stupid

Starting point is 01:18:56 This is changed It's better now I don't give a fuck This last statement You were negative in your Yeah Negative in your fucking savings $83

Starting point is 01:19:05 In acorns Yeah No Acorn In acorns is good I like acorns I prefer moo-moo Everyone knows that

Starting point is 01:19:15 But it's fine That's fine That just gets you better cash rewards when you deposit money versus acorns. And then $8909 in here, but it started at $1,000. So it's just going down in this checking account. You're just sending money out, like he said.

Starting point is 01:19:27 So it's not even a reliable savings. What a joke. This is all a joke. This is a fucking joke. Before I even make a budget, let's just see if you can even, is there even a chance for math? Is there even a chance? What are you going to make dog grooming?

Starting point is 01:19:42 Do you know? Um, so, So she said I could make up to like, like $40,000 a year? For L.A., that is a big struggle. Yeah. I'll gift you a course career certification of your choice if you want to change your career paths.

Starting point is 01:20:01 I smell the dog fart again. Something's happening. Yeah. Listen, your debt minimum of monthly payments alone is $1,33.99. What's your portion of rent? $800. What's your portion of utilities? That $800 includes the money.

Starting point is 01:20:14 utilities too. Internet as well? Yeah. So 800. How much gas driving? Oh. Room, room, room. Drive, drive. My mom helps me with the gas. See, she didn't even tell me that early on we literally talked about it. Did we? I'm sorry. Are you serious? Did we? Did you just, did we, me?

Starting point is 01:20:34 No, fuck you, did we? Yes, we did. You said, no, it's only for food sometimes. Which, by the way, fuck you, because look at your food spending. I know. Fuck you. What an enablement from mommy. Car insurance. Yeah, car insurance has gone up. Two? What?

Starting point is 01:20:52 It was 190 and now it's going to be 240. $400 a go and we're maxed out. Phone bill. Mommy? Mommy told me that when we went through this conversation, you privileged, spoiled, brat. Yeah. If you're ever on your own, do helium. Helium.

Starting point is 01:21:18 If T-Mobile's good in L.A. Do you pay for groceries? Yes. I'll give you $300. Use the cookbook. TV fund, anything else that you need to survive, $100. And I hope we have nothing else because that currently has you maxed out. But we have dogs, single dog.

Starting point is 01:21:39 Do you have to take care of the cats as well? Yes. Okay. And you are out of love. Even $40,000 a year. Yeah. I think that's minimum, too. It really just depends.

Starting point is 01:22:03 Listen, here's the thing. The reality is, you optionally only make that much money. Yeah. Because you work 30 hours a week and take off 15% of the work year. No, more than that, because if we incorporate weekends, all this stuff, in terms of actually working hours, you probably take off like 20% of the work year. And then you actually take more vacations off the year. So I wouldn't be surprised if you take off 25% of the work year.

Starting point is 01:22:38 here. This is all a choice. And when it's all a choice, I don't give a fuck at that point. Because literally you're choosing this. This isn't a mathematical error. This is just you fucking around. Not caring, being a spoiled brat by two mothers. It's stupid. Spending a budget, zero out of ten. I'm pissed off. Debt, I mean,

Starting point is 01:22:55 it's not to say not the worst. You're just a dumb... Paying it off. Yeah. We can make it better with that car consolidates. It's a two out of ten. Emergency fund, technically a little there, but I bet it's going to be drained. One out of ten. Retirement, I didn't see... No.

Starting point is 01:23:09 Zero out of ten. Real estate is zero out of ten. No, the closest you'll get to own in real estate is your girlfriend's mom. Yeah, I know. Hammer Financial score. One out of ten. Guys, join us in the post show. I know with this type of conversation, that's where we can have conversations about things that would get this episode demonetized.

Starting point is 01:23:27 So make sure you join us there. And join Hammer Elite for over for thousands of hours of extra content. We upload almost daily there. Help support the channel. And last but not least, don't forget to download the simpler budget app today. See you in the post show. We can talk more about the nitty gritty because we can't get demonetized in the post show. Right.

Starting point is 01:23:45 So what is something crazy? What should we know about this OF? Tell Caleb how much you spent on the tattoo and what it's of. Oh, and where even is it? $1,200. It's my... You affirm the tattoo? Yep.

Starting point is 01:23:58 All right. To watch the financial audit post show, click the join button below. Own it all. Pay off your home, travel for life, drive a Ferrari. In celebration of the world premiere of the world premiere of... The Monopoly, Big Board Buckslot Machine by Aristocrat Gaming, Yamava Resort and Casino at San Manuel is giving one person a $1.6 million dream package. The biggest prize in Yamava's history. Club Serrano members can earn daily instant prizes and secure a spot in the finale May 29th.

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Financial Audit - Failed OF “Model” Is Batsh*t Crazy | Financial Audit

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