Financial Audit - Financial Audit's Biggest Karen

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Starting point is 00:00:26 Hey y'all, it's Kelly Clarkson with Wayfair. Ever order furniture online and wonder what if, like, what if, doesn't hold up. That sofa was four days old. You should have ordered from Wayfair. With Wayfair, there's no what if. Just style you love and quality you can trust. Visit Wayfair. Every style, every home. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I am a woman. I deserve to look good and I deserve to do what I want. And I'm entitled to being a woman. I'm entitled to what I want and to what I like. You are Karen. Well, if they need to be destroyed, then I will destroy them. I know for a fact, this is your second marriage and the first marriage. The

Starting point is 00:01:02 finances were completely separate as well, so maybe we shouldn't head down the same path again. Maybe it's okay because I can still spend however much money I want, and he doesn't have to say anything about it. Definitely sounds like you're the f*** one, I'll be honest. Fuck you. The summer budget reset is now live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly

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Starting point is 00:01:47 I'm 42 years old. I'm from Salt Lake City, Utah, and I'm not Mormon, and I'm not a lesbian. And this is financial audit. Well, you could have convinced us on the second one. Excuse me? Oh, I mean. It's the... It's the hair.

Starting point is 00:02:05 It's the hair. Why? Why? They keep the Mormons away? Well, yeah, you got to. Okay. First of all, I wasn't actually expecting to bring up lesbianism. I was expected to bring up Mormonism, but I'm glad you brought them both up for me.

Starting point is 00:02:20 So I appreciate that. Well, thanks for coming down. What do you do up there for a living? 42. Happy birthday, by the way. Your day of birth? I am an interior designer. Cool.

Starting point is 00:02:29 What do you make? I make $63,000 a year. Dude, Salt Lake's expensive. It is. Is this a loan? 62? That is, by myself, I am married, but our finances are totally separate. Why?

Starting point is 00:02:45 Are you married to a Mormon? No. To a lesbian? Well, he could be considered a lesbian. I don't think that's how that works. So, why is it separate? How long have you guys been married? We've been married for seven years.

Starting point is 00:02:57 Why are you separate? Because, I mean, I want to spend my money the way that I want to spend my money. and he might not be on board with that. Yeah, but what about like self goals, like, or goals that we have as a couple, goals that we want to get to together, buying houses, cars, retirement, all that good stuff, vacations. I mean, he owns our home.

Starting point is 00:03:23 I know for a fact, this is your second marriage, and the first marriage, the finances were completely separate as well. So maybe we shouldn't head down the same path again. Maybe it's okay because I can still spend however much money I want, and he doesn't have to say anything about it. Okay, then why the fuck are you here if you just want to spend all the money that you want? Well, I want to be able to spend the money on my house eventually. Eventually, you guys don't have a house.

Starting point is 00:03:47 No, we do have a house. You have a house. What is eventually then? What are you saying eventually trying to spend money eventually? What's eventually? Eventually is in a couple years when I have enough money to redo it. You want to fully redo the house, so you pay to redo the house, but then you guys split the equity in event of a divorce? Well, we're not getting divorced, so it'll be fine.

Starting point is 00:04:04 Yeah, that didn't work the first time. Well, he was an asshole. This one's better. It's what everyone says until they divorced, and then everyone they divorced was an asshole. Well, that's true, I guess. But he's not an asshole. He's great.

Starting point is 00:04:17 So it's going to be fine. You have an odd voice. You almost sound like a voice actor or something. Really? Yeah, doesn't she sound like an actor? A little bit. Why? I am not a voice actor.

Starting point is 00:04:28 This is just how you sound? Yes. Is my voice high? Is that what it is? It's weird. I don't know because I don't hear my voice the way you hear it. No, if this is how you sound, it's how you sound. It's just odd.

Starting point is 00:04:39 It just sounds like you're like an actor. Never wanted to be an actor. So what would happen if you guys were combined? What would happen that you're just so terrified of? If we were combined, I probably wouldn't be able to purchase everything that I want. Like my pen collection, my custom perfumes, all my jewelry. So I just kind of have to... He doesn't buy you a shirt?

Starting point is 00:05:03 He doesn't gift your shit? Well, yeah, he gifts me. Is all his debt yours? All this debt is mine? Yes. I'm not seeing his debt. I'm not seeing his finances because it's all separate. Correct.

Starting point is 00:05:12 What the fuck are you getting jewelry? Why are you getting jewelry if you have a shit ton of debt and it's all yours? Well, because I have to look good. I have to, you know, live it up for my job. Well, you failed. You got that haircut and you wore that shirt. Excuse me? This is very fashionable and my haircut is beautiful.

Starting point is 00:05:30 Yeah, every woman's beautiful. Oh, 226. There's definitely no ugly people out there. Oh, there's some ugly people. I'm just not that one of them. Okay. You could look fine. I do look fine.

Starting point is 00:05:42 Well, you have like the haircut of a crow. Like it's... I think it's beautiful, so... I'm growing it out. And the women in the comments will agree, even though they just can't be... I mean, you're just like you would shut down an event. That is slightly too loud for your ears, Karen. Excuse me.

Starting point is 00:05:59 No. Come on. You show up to the... school board meetings. Well, if I had a child, yes, I would. Oh, H-O-A queen. I love going to the H-O-A meetings because... Oh, do you really? Oh. I do. Is that why you have such a fake voice because you're like a fake person and you just destroy all the lives around you? Well, if they need to be destroyed, then I will destroy them. Actually. Actually. Why would someone's life need to be destroyed? Well, if they're annoying. Just annoyance? Why not? I mean, I go after people if they

Starting point is 00:06:27 come after me, but other than that, I don't know just like, why, why, you just go? Actually, you are a Karen. You're Karen chief. Oh my goodness, you're the ultimate Karen. I mean, if that's your opinion. Look at you. Show up to the HOA. I don't think any of us knew this, but I was just,

Starting point is 00:06:45 we were just thinking you look like a Karen. But then you actually are with how you do things. I don't think so. I mean, if people deserve something, they deserve it. If you enjoy going to the HOA and you like destroying people's lives, kind of a fucking Karen. That's your opinion. That's everyone's opinion.

Starting point is 00:07:02 Well, they can. think what they want. Okay. Okay, well, at least you're wearing the wedding ring. So you guys are just fully keeping the finances separate. You think he's too domineering? He wouldn't let you get that shit. He wouldn't let you get the bronze. Is that what that is? Because they ain't gold. No, these are brass. Okay, even better. Brass. It's beautiful. Yeah, you got a part of a trumpet on your ear. So, I mean, maybe you should have him intervene if this is what a result in without his interference. Um, I think that I look great. So, We've heard that.

Starting point is 00:07:35 I don't think that he needs to interfere with anything. Okay. So that's your big fear if you guys combine. None of the upsides of you guys combine. You're the one that prevents you guys being combined. I'm taking it based on your language and how you present yourself. Well, I mean, I guess we've never really had a full conversation about it. But I'm good being on my own like that.

Starting point is 00:07:55 Full conversation. What does it look like over the last seven years? Financial conversations in general then? Well, the initial conversation was... Oh, my goodness. He owns the home. He owns the home. You're not a part of this.

Starting point is 00:08:05 No, he owns it. He bought the home. Yes. Well, because I had... You moved in. Filed for bankruptcy, so we didn't want to put me on that because of the interest rate.

Starting point is 00:08:16 Yeah, that's someone who should have their finances completely separate. I mean, I guess I would own my finances separate from the crazy lady down the street that keeps getting bankruptcy. Keeps getting only once. Okay, so you're not entitled. You're not on the mortgage.

Starting point is 00:08:30 Who knows what's in this? Is there a pre-nup? No. He didn't make you sign up. You sign up. What does he do for work? He works in the medical field. He's a medical assistant. Making what?

Starting point is 00:08:42 About the same as I am. 63, $65,000 a year. Now, is that he doesn't trust to combine finances with you or you don't want to combine finances with him? Which one has it been throughout the years? Let's be honest. Okay. I don't want to combine finances with him. Listen, it would make sense that he wouldn't want to with you because you're you.

Starting point is 00:09:00 And I think we're already getting in the first. nine minutes what that looks like. But also, I feel like you would almost want to combine finances with them. Like, you'd be in a better place. You wouldn't go to bankruptcy. Look where you are. Look where you are from bankruptcy.

Starting point is 00:09:17 You're from your previous bankruptcy still. You didn't improve yourself at all. You didn't learn anything. You're on financial audit. You're f***ed, okay? I am not totally f***. I mean... You are totally f***ed, okay?

Starting point is 00:09:29 I disagree with you, but... Okay. I mean, I can come back. from this now that I'm making more money. Things are going to be great. Yeah, honestly, with your household income, though, you guys would have nice things. That's what I am trying to say.

Starting point is 00:09:44 It's a great household income. Even in a high-cost living area, you guys do incredibly. You can buy and you start paying off debt. You have an emergency fund. Then you guys can actually live a really luxurious life, not like crazy luxurious life, but are actually a really nice life. With lots of nice things, actual nice things.

Starting point is 00:09:59 Like, you can get gold. Brass is just like the look, so. I don't need old. What look? Beautiful. Your look. My look. Your looks, I think you have put them on display for everyone to see,

Starting point is 00:10:12 and I'm going to let that stand as it is. Okay. Okay. So you think he'd be preventing you from getting into that lifestyle, getting into those nice things, because you guys would pay off that? Yes, but he might not agree with me when I want to purchase, let's see, a $10,000 sectional. So if our finances are separate and I can pay for it.

Starting point is 00:10:35 Isn't that what it's? is about, though, you figure out what is actually what you guys can compromise on, what is a good, healthy purchase that you guys can agree upon? The fact is, I'm actually kind of concerned for this guy because you're going to be holding him back. He's going to have to subsidize your entire retirement, subsidize the house. Do you pay for the mortgage at all? Yes. Really? Yes. Okay. What hits your account on a monthly basis? On a monthly basis? On a monthly basis. 4,000. Yeah, by the way, at 42, your retirement's a complete joke.

Starting point is 00:11:07 So he will be subsidizing you, absolutely. So you can go blow your money on sectionals. That's why we work together as a couple. Why is this the one thing we don't? The thing that affects everything. Money, unfortunately, welcome to not only capitalism, but even communism. It affects everything. It really does.

Starting point is 00:11:22 He's going to be subsidizing you your entire... This episode is brought to you by Activia. You might already be eating yogurt, but not all yogurts are created equal. Activia contains over 1 billion probiotics per serving to survive and reach the gut alive. When it comes to gut health, Activia is the number one family doctor-recommended probiotic yogurt brand. Choose Activia, feel good from the inside out. Visitactivia.ca for more details.

Starting point is 00:11:50 Your life? Well, he can take care of me because he's the husband. Okay, is that how we view our relationship? Does he know how much he's going to have to take care of you? Well, he wants to, so... Yeah, does he want to tens of thousands, hundreds of thousands of debt potentially by the time we're retired, which is based on your history, bankruptcy. He wants to take care of that or just take care of you as in like, yeah, provide for the house. Well, he provides for the house, so he can...

Starting point is 00:12:16 No, that's what he thinks. I'm talking about eventually you keep putting this off, you keep fucking around, spending all this money on all this shit. It'll be fine. How old is he? 46. Is there life insurance? Yes. And what does that look like?

Starting point is 00:12:33 Well, you'll just f*** up if you get a big pile of cash. I don't know what the life insurance looks like exactly. But I will get money if he passes away. Yeah, but enough for you to survive, though? Enough for me to, I mean, I could pay off the house and just at least not have that to worry about. So $4,000 is what comes in. Kind of. It was $3,800.

Starting point is 00:12:55 Let's call it for. Okay. Very good. What was your spending? What was your outflow? $3,000? $4,000. 300. So if you keep going down that path and then you need to rely on him for your entire life

Starting point is 00:13:05 afterwards, it's not him just putting food on the table, keeping a roof over the head. It's taking care of all your debt because, you know, you would have to settle it if you die in any assets or in your name. Who knows what's going to happen with the mortgage by the time you guys, you know, maybe you get on the title and whatnot at some point. I don't know. The shit gets so complicated with marriage and debt and having to settle debts in order to protect assets. You're over. Well, you have nothing in retirement. All for you. your selfish desire to never have to talk about a purchase and a marriage. That's, you guys are in this together.

Starting point is 00:13:37 You guys are in life together. You need to be able to have a conversation together. You just Karen's steamrolling over everyone around you, including your husband, is an incredibly selfish way to live. I just need to have the things that I want. I need, no, you don't need. You don't want the things that you want. Shut the fuck up, need.

Starting point is 00:13:53 You've never heard of need. You don't know what a need is. You don't know what a f***ing it is. So stop you. No, okay, what do you need? What do you need? I need new clothes. I need new shoes.

Starting point is 00:14:03 That's not need. That's want. Well, I mean, I need to look a certain way for my job. What's your job? Because this is right? What the fuck even is this? I don't even know what this is. I'm an interior designer and I...

Starting point is 00:14:15 This is interior designing clothes? This is interior designing clothes. I thought you were fucking like 80s Taco Bell. I thought you were the seat people were sitting on. Um, excuse me. This is beautiful and fun and vibrant. And I like to do fun. fun things.

Starting point is 00:14:32 Fun? What's fun to you? Dude, you're a Karen. You shut down literally loud noises. You like going to HOA meetings. You are not fun. What fun? What's the fun?

Starting point is 00:14:40 Your fun is telling people that the grade of grass is slightly too high and finding them. That's your fun. Walking around the neighborhood with like binoculars in everyone's yard. You wouldn't understand fashion clearly. And you're new money, so you don't understand. Are you old money? You're no money. Your debt.

Starting point is 00:14:59 You're bankruptcy. What are you talking about? new money. I have certain clientele. Oh, shut the fuck up. And they expect certain things. What? What do they expect? People look a certain way and have a certain sense of fashion and I do.

Starting point is 00:15:12 What is that sense? I look amazing. What is your sense of fashion? Clearly nothing. I think this is okay. I mean, okay. It's okay. I mean, I'm not but I'm not saying I look incredible. You are. Is there someone with a fashion sense here?

Starting point is 00:15:30 Who? Who's our fashion? Like our fashion officiato. Okay, can we call in our favorite Mexican Josh? I need him to suss you out because what the fuck are you talking about, dude? I don't think you... If this is what they're doing in Utah. No, people in Utah are...

Starting point is 00:15:48 No. They don't know what they're doing. Brandon said you look like an Easter egg. An Easter egg? I mean, I can see it, but a sexy Easter egg. Cool. I am a woman. I deserve to look good and I deserve to do what I want.

Starting point is 00:16:09 What does that end up to do it? You deserve to look good. Everyone deserves to look good. Whether or not you do has nothing to do with your gender. You don't look good. And you don't, you're not entitled to looking good because you're a woman. Shut the fuck with that. What is that?

Starting point is 00:16:22 Some 2016 bullshit? No. You're a woman. Congratulations. Yippee. You're equal to me. Yippee. that's what we try to do in this world, by the way,

Starting point is 00:16:33 instead of putting you on a weird pedestal, by the way. And number two, I think title's looking good. It's just like, however you present yourself, is however you present yourself, and then you look good or don't. I don't know. Josh, come on over, her favorite Mexican. She's a...

Starting point is 00:16:48 Hi, Josh. Nice to meet you. Now, let's see if Josh is willing to be real, or if he is going to just be nice for the sake of nice. Here's the thing, she's an interior designer, and she says they expect a certain thing her clients, and that is high fashion. and looking really nice.

Starting point is 00:17:02 And this is what she looks like. So please evaluate. I think you look great. Oh, fuck. No, look. I think whenever you have someone coming in, you probably have a specific clientele that's looking for your time for work.

Starting point is 00:17:16 What is this clientele? It's probably wants something a little bit more vibrant, maybe a little exotic, maybe the Miami type that wants vibrant colors. Oh. I would imagine maybe a little bit more vanilla. a little bit more like beige You know what I mean?

Starting point is 00:17:35 The majority of people in Utah are a little bit more vanilla and beige But my clientele is the higher end clientele They do want specific works They do sound fake Doesn't it sound like a voice actor? So I'm looking at UGC creators right now And you would be a good fit

Starting point is 00:17:48 Not a bad thing You have the ability to sell What about the literal Karen haircut She will destroy someone's life It's not a traditional Karen haircut See, it's not traditional. What is Josh saying? Karen haircut is John and Kate plus eight.

Starting point is 00:18:05 You remember Kate? Yes. Yes? Like this? Soccer mom? That's like way more A-line. Short in the back. Cooey.

Starting point is 00:18:14 No, John and Kate. Put you get out of here. Caleb, what's your fashion son's like? I don't know. This, for now. I'm evolving. Like he just got out of bed. We can all work on our own things.

Starting point is 00:18:25 We're all working on our own things. Yeah. Is this bad? No, I remember how you used to dress? Exactly. That's what I'm saying. I do. Cut back to an old episode.

Starting point is 00:18:34 Okay. Well, I mean, I can tell you where it's going right now. And to answer the question that I asked you, again, 2072 came in. You've done 300% improvement. Mm-hmm. Who's better here? On the current where? Check out my shoes.

Starting point is 00:18:51 These were 600 apiece. I do like your shoes. Yeah. You're doing something right. I think the whole... Yeah? Excuse me? these ones are much better.

Starting point is 00:19:04 They are kind of cool. I see the vibe. Caleb, you're doing a good thing. Who's better? In terms of what, though? Fashion! I like how she's representing her personality through her fashion. Go play your soccer. Go play your soccer.

Starting point is 00:19:20 Bye, Caleb. Yeah, go fuck yourself. Thank you. Wait, Lindsay's telling me right now that he doesn't trust you to combine finances. Why'd you say earlier that it was you not wanting to combine finances? She's saying specifically he doesn't want to. Well, I mean, I think it's both.

Starting point is 00:19:37 Oh, bullshit. Bullshit. Bullshit. Trying to look good right now. She says from all the pre-interview shit, it's him. I mean, maybe it's him that he doesn't... Why? Why?

Starting point is 00:19:47 Well, because, I mean, he had to pay for my bankruptcy when we first got together. What? Right when you immediately got together, this dude... For... Hmm. He's not a wealthy man, is he? That's why. Okay.

Starting point is 00:19:58 I understand. I get it. Okay. He didn't... Okay. Limited options. Gotcha. Yes. It must be love. It has to be love. It's love. It's because he certainly wasn't simping.

Starting point is 00:20:08 I wouldn't get it. I wouldn't understand. Let me see what this man looks like. He won't be on screen. I just need to see what this guy looks like. There has to be something going on here. Am I reading this weird? Is this just me? Am I? I don't think I'm that... Am I not that guy?

Starting point is 00:20:27 There we are together. Oh. For his birthday... Oh, you're both weird. Oh, he's tattooed everywhere. He is. And he's rocking that 2012 hipster mustache. Yeah.

Starting point is 00:20:41 I told him to grow that mustache. And he did it for me. Oh, shit. Why is he simping? I'm confused. He actually looks like he could pull some weight. And I don't mean that literally because obviously he is already doing that. But I mean weight outside of a better looking.

Starting point is 00:20:57 Okay. So he had to pay for it immediately when you guys met. Well, within like six months, I think. That's crazy. That's thousands, no? I think a couple thousand. Well, I think that it's fair that he would refuse to combine finances with you. Not that you're necessarily advocating for it because you want to be reckless with no punishment whatsoever.

Starting point is 00:21:19 No responsibility. No accountability at all. There's accountability. I mean, at least I get him gifts too. A little gift here and there is not going to make or break life. I don't know what a gift is. I mean, you're talking about,

Starting point is 00:21:35 what did you say you want to spend $10,000 and a remodel, $20,000? Like, that's not a gift, you know? That's different. A little notebook or a little cute thing is not bringing flowers home. Isn't going to make or break someone's life, especially in your guys's financial situation.

Starting point is 00:21:48 If you guys weren't completely already, which at least you are, I don't know if he is. This isn't about him, but it is about the current situation you see yourself in. But you told the producer that you do not ask him about his finances because you're afraid of him asking about yours.

Starting point is 00:22:05 You're just trying to hide. You're just trying to skate by and just hope nothing happens, skirt by, whatever it is. And then he's going to bail you up. Dude, you have a few thousand dollars in retirement. That is going to hurt him, him not knowing. Because what the fuck is the future going to look like? What is it going to look like? You only have a few thousand dollars.

Starting point is 00:22:23 You just turned 42 today. Again, congratulations on that one. Thank you. Droneon student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted.

Starting point is 00:22:38 Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan

Starting point is 00:22:52 for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why refi comes in. Why refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing.

Starting point is 00:23:07 They refinance private student loans, so you're only paying interest between 0.1% and 5.99% and they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona,

Starting point is 00:23:25 so when you call them, you talk to a real person. It only takes three minutes to check your rates, and it doesn't impact your credit score. If you've been told no a million times, try Y-ReFi. Head to Y-refi.com slash hammer. That is Y-R-E-F-Y.com slash hammer. Or call AAA-R-R-E-Fi-S 78. That is 8-88-88-88.

Starting point is 00:23:42 Break free from the high-interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one. Y-Nab, but everyone just deletes it because it's way too complicated to use. So you go to every dollar.

Starting point is 00:23:56 That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far?

Starting point is 00:24:16 But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise, built by these people just like you, for people just like you. No private equity, no gimmick. No gimmicks. Just the best budgeting app there is.

Starting point is 00:24:31 Download it now, start the free trial. DollarWise.com. Link in the description below. Like him not knowing that and knowing your entire debt situation, which is substantially larger than your retirement, is actually really scary. And it is selfish of you to just sit here and pretend like you get to prioritize anything you want

Starting point is 00:24:47 instead of actually being able to pull a weight in other ways non-physically. I'm far from selfish. I'm so pregnant. You are in this relationship financially. In this relationship financially, you are selfish. you have no retirement yet you want to spend on a renovation that you want.

Starting point is 00:25:00 I have a little bit of retirement. I said a few thousand dollars at 42 is nothing. Shut the fuck up. It's practically nothing. That compound growth by the time two decades from now is going to be nothing. Social Security, good luck. It's going to be pennies on the dollar. Well, who knows?

Starting point is 00:25:15 I might be dead by then. If he's lucky. But outside of that, it says you holding him down. You're the weight. You're the anchor in a bad way. You're not letting his shit move forward. I disagree. You disagree.

Starting point is 00:25:28 What's your argument? You disagree. Well, I'll be able to make up more money and I'll be able to get it. How do you make up more money? What does this make more money? Because if that was actually how things would work, seven years ago and you went through bankruptcy,

Starting point is 00:25:39 you wouldn't be tens of thousand dollars in bad debt. Tens of thousands? Tens of thousands, asshole. How much debt do you think you have? Like, maybe 18,000? Okay, it's $33,767. You have no idea what you're talking about. Shut the fuck up.

Starting point is 00:25:55 You'll be taking that. shit that's not forgivable like student loans by the way too which is a few thousand hours alone like good luck that's not going to be brain corruptcy nine thousand hours in irsst debt wait what the fete nine thousand or what are you doing oh my this poor guy and what's his insight into this it can't be much because you didn't even know your number he said 13,000 i said 18 okay so you wouldn't be able to answer a question truthfully even if he did ask even though you're trying to prevent him from asking, oh, he should be here. He should be here.

Starting point is 00:26:28 We need to send this directly to him when this is uploaded. He needs to know that he is in a precarious situation. He doesn't need to watch this episode. He actually very much needs to watch this episode. No. He'll be fine. Everything is going to work out. Call him.

Starting point is 00:26:42 You want me to call him? Call him. Oh, 200,000 hours on a renovation. Not 10. What the fuck am I saying? 200,000, you literally have 7,000 in retirement. What a joke when you have over $30,000? You have more an IRS that than you have in retirement.

Starting point is 00:26:59 Well, that is not my fault. Well, I'm sure we'll get there. I'm sure it absolutely was. The patient. Which universe have you talked? Cancel that. Oh, what do I do? Will he call us back?

Starting point is 00:27:23 Yes. All right. He's going to call us back because he's in the middle of a medical thing, which I don't like when people die, so I think you should make sure they stay alive. Yes. So you endlessly have been nothing but irresponsible And you're taking him fully down with you

Starting point is 00:27:40 And you did not change Why did you not change or learn about anything From your previous bankruptcy seven years ago Because look where you are You didn't even know your debt situation And you spend more than you make today Today, today, right now happening here Well, I need to have certain things like I said

Starting point is 00:27:57 Okay, stop with that shit I'm asking stop with that shit I am asking why you did not change your behavior. You went through bankruptcy. It's because you didn't pay for us. It's because you faced no consequences. He went and bought a house. You get to live in an...

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Starting point is 00:28:30 531, 2,600 to speak to an advisor. Free of charge. BetMGM operates pursuant to an operating agreement with Eye Gaming, Ontario. A nice house now. He went and takes care of everything. It's because you didn't have to deal with anything. You're an immature little brat. I am not.

Starting point is 00:28:47 You are, absolutely. You didn't have to deal with the counsel against or fall out of your bankruptcy. You didn't even pay for your own bankruptcy. He did. Entitled your entire life. Entitled and enabled. I'm entitled to what I want and to what I like. But you shouldn't be.

Starting point is 00:29:00 That's horrendous. How long were you single in between your divorce and this new man? Two years. How'd those go? Well, obviously that led to a bankruptcy. Oh, sick. Oh, guys, are we getting the picture now? Are we getting the picture from Karen Beast?

Starting point is 00:29:15 Well, I... Oh, I get it. So the man took care of you your entire life. Parents, daddy, then man. Then the one moment you were alone for two whole years, you accumulated so much, so much debt and shit to sustain your lifestyle that you thought you were entitled to, but you were no longer being enabled, that you ended up in a financial situation where you had no way out other than bankruptcy.

Starting point is 00:29:43 And then a guy came in, enabled you again, fed into your entitlement, and didn't even allow you to face any consequences or any bruises from your bankruptcy, meaning you learn nothing and you're doing it for the third time all over again. second relationship and then one where you're single going through bankruptcy. I see the picture now. You have literally, and I still don't know how I'm not seeing it, but... Okay, here. Let's talk to him.

Starting point is 00:30:13 Mr. Hello, how are you today, sir? Hi, thank you for keeping that patient alive for everyone. Anytime. Sorry, that took so long. So, why did you bail her out right when you guys met her? by taking care of this bankruptcy, allowing her to experience any kind of difficulties whatsoever from her previous mistakes? Reason why I did the bankruptcy, or why we paid for the bankruptcy?

Starting point is 00:30:39 You did. You bailed her out. The ex-husband was fully taken care of her, supporting her and enabling her entitlements. And then the two years that she was on her own in between, she loaded up her debt so bad because of her feeling of entitled to a certain lifestyle that you came in and bailed her out and now she's building it all back again because she learned nothing. Why would you do that? Because we were buying a house. And if we would have bought the house while we were married, basically they would have looked at the bankruptcy and back,

Starting point is 00:31:12 oh, well, you could refinance on this loan. Or it would have given us a worse interest, right, than we would, what we already had. Yeah, but why did you pay for the bankruptcy? That's a good question. You bailed her out immediately six months into this relationship. That wasn't six months. That's what she said.

Starting point is 00:31:28 No, we were, when was that? That was September of 19. If my memory serves you know for that. Is that a year into the relationship? About a year then. Yeah, about a year and a half. Even still, dating someone for a year, paying for their bankruptcy is pretty intense.

Starting point is 00:31:46 That's quick moving. Mm-hmm. And also, when she was building up all this debt and everything, she was living in her brother's basement. It's not like she could use the excuse of, oh, no, she lost her man or whatever, meaning she lost her roof. No, she had a free place to live in a basement, and she still fucked it all up and got bailed out.

Starting point is 00:32:08 I feel like with her, we're just enabling. No? Because look where she is today. Yeah. Are you okay with it? What are we simping for? We're simping for something. Well, here's the thing, right?

Starting point is 00:32:23 I've always, and I've always told her to begin with as long as we pay the mortgage, and as long as the bills are paid, she can do whatever she wants. What? Which one would suspect there would be some self-restraint there. What? When you say you can do whatever we want as long as we take care of the bill, where would that lead to any self-restraint? That actually sounds like the opposite.

Starting point is 00:32:44 Well, yeah. Mr. Jack, how much debt do you think she has? Well, I know what she owns, before she was on the car. But other than that, I don't know. Okay, so what would you just guess, gut? $10,000. Dude, you're carrying her to her fucking grave

Starting point is 00:33:14 because she's never going to be able to contribute to this house when you guys retire. she has $33,767.27 of bad debt, including IRS debt. And also, what do you think is in her retirement? Because you guys need to be able to retire together. It can't just be you. What do you think is in her retirement? Oh, right now, probably nothing.

Starting point is 00:33:33 Yeah, it's a few thousand bucks. She has more an IRS debt than retirement. Meaning because of this, an absolute enablement and no consequences for her actions and no learning from her previous mistakes, because of that, she is going to be like little cracks in a sinking ship as you guys are headed towards retirement.

Starting point is 00:33:56 How are you going to be able to keep this ship aflo? How are you going to be able to do that? How are you going to be able to take care of this household in retirement in a couple decades? Because it doesn't make any sense. She's literally making it so she can not only contribute nothing, but will have liabilities hanging over her head. That's a damn good question.

Starting point is 00:34:14 I didn't realize she was in that much debt. Dude, I know you love her. I'm not saying there's no love here. There has to be something because I'm saying there has to be something. And I'm assuming that is love. But dude, love cannot blind you from reality. And this Karen is literally, literally holding this marriage down, not letting it go to any towards any semblance of financial success.

Starting point is 00:34:44 just paying our mortgage alone is not an indicator of good finances. It's not. It's the whole picture. And she's blowing all the money. She wants to spend $200,000 renovating this house. Yeah, I think that's garbage. Yeah, that is garbage. Tell me about it. Tell me how these conversations have gone because I don't know how she's financing that. Exactly. What is? She has these, well, she has these ideas about what she wants to do for the house. But then she says, oh, but this is five, ten years down the road. but five, ten years down the load road from the previous

Starting point is 00:35:17 bankruptcy is $32,000 in bad debt spending more than she makes a month by hundreds of dollars and having nothing in retirement. So where in the next five to ten years is she going to have $200,000 for this house? Exactly. When she starts talking about it, I commend her for the ideas

Starting point is 00:35:34 because, you know, it's good to have dreams. It's good to have imagination, you know? It really is. and maybe we might be able to do it. Maybe we won't be able to do it, you know. Do you think you might just be too passive? Because I think this is why she's kind of uncontrollable right now. Maybe.

Starting point is 00:35:52 Loving doesn't mean enabling bad behavior. I know you love. No one is questioning the love here. We really aren't. And I am not questioning for a single second that she loves you. That doesn't mean we just roll over and we be passive to bad behavior, especially if it might be like to be like. relationship. Finances are one of the leading causes for divorce in this country. We already know

Starting point is 00:36:15 she's able to go through divorces. I want your guys' marriage to work. That means the finances need to work within this marriage and just rolling over and say, that's a good idea and that's a good dream. Well, that's allowing her to accept that maybe it actually is a possibility in five years, but there's no chance. $200,000 into a renovation when she has almost zero dollars in retirement at 42 is not a thing that's even remotely acceptable. She needs to get a to a couple hundred thousand dollars today in retirement. No, I agree with you. So we can't just roll over.

Starting point is 00:36:49 We can't. Do you stand up in this relationship financially? Do you stand up ever? Yes, I do. What does that look like when you stand up? Turns into a fight. Tell me. Give me like an example of what that looks like.

Starting point is 00:37:07 I want some insight. When was the last time that we fought? It's been a little while. Is it because you guys put it off? you know it turns into a fight, so we just allow things to happen? No. No, there was one fight last year about finances because she took a financial freedom class that was offered through our church.

Starting point is 00:37:26 About how paying off... Go ahead. No, no, no, sorry. Continue. And it was about paying off dead as quickly as possible. Sounds like Ramsey's program, right? Sounds like, yeah. Okay, so she's a David Ramzith fan.

Starting point is 00:37:42 Okay, we love that. Yeah. because that's usually offered through churches. She certainly hasn't followed that looking at these. Listen, that's actually a pretty good program. That's not an invalid expenditure if it actually improves life. Same with our educational programs. There's good things out there.

Starting point is 00:37:58 But you got angry at that? Well, there was one day that she wanted me to drain the savings account to pay off debt. And I said absolutely not. Probably down to $1,000. Exactly. And because that's not just, our money as well, but it's also kind of a rainy day fund. If one of the cars breaks, if one of the dogs needs to go have emergency surgery,

Starting point is 00:38:24 if there's something with the house that our house warranty doesn't cover. And this is why you guys having separate finances and not communicating on what the whole financial picture of the house is did not work. It failed because she wanted to go nuclear in a full direction without even having any conversation with you first. Dave Ramsey's program, our financial program, anyone's financial program does not work unless you guys are fully aligned hand in hand ready to go into battle. But you weren't aligned at all. You didn't hear the messaging, the preaching about the $1,000 and all the stuff. And I disagree with that as well. I don't think that's enough.

Starting point is 00:39:02 I think you need a one-month emergency fund our highest deductible. But either way. But either way, she can't crusade into this without you. It doesn't work like that. You guys have to be on the same page which means you guys actually need to talk in a healthy way about finances. You need to know what her finances look like.

Starting point is 00:39:19 She needs to know what her finances look like. She needs to know what your finances look like and you need to know what yours look like and we need to know what the household looks like and we need to get on goals together. Are you afraid of combining because of her bankruptcy? No, I'm afraid of combining because of her spending. Yeah.

Starting point is 00:39:36 Because if we had a combined bank account, we would be leaving paycheck to pay. Rebuttal? Um, that is not the case. I think that I could... I can, you know, rate in my spending sometimes. She says she can rain in her spending sometimes. That doesn't necessarily make me feel comfortable for combining finances.

Starting point is 00:40:05 Oh, she can sometimes rain in her spending. Okay. I would understand not wanting to combine as well. But here's the thing. If we're married and we're headed for the rest of life together, We need to find a way to... It doesn't... People can do the uncombined,

Starting point is 00:40:21 but I think your guys is uncombined going in separate directions without talking is doing a disservice to you guys. Because you guys are flailing in different directions and she's just, again, making all these cracks in the ship of the marriage, financially speaking. So even if you guys don't fully combine accounts, Jack, would you be open to at least combining the conversation of

Starting point is 00:40:45 here's the entire financial picture of our household, and here's the goals we want to do together, and here's what we can agree upon and middle grounding to get to those goals? Oh, absolutely. Okay, good, because I think that's how your marriage remains financially healthy going forward. Okay. Any final thoughts on this before we let you go?

Starting point is 00:41:06 No, I just got to get back to my patience. Yeah, stick a needle in them. I shall. Thoughts on all that. Definitely sounds like you're the one, I'll be honest. Well, my thoughts are... It'll be fine, like I said. Wow.

Starting point is 00:41:23 And he, he's going to be great. It's going to be fine. How? You've gone through bankruptcy before and never learned anything and this is what it's resulted. And it's going to be fine? I would like to hear an argument of how. An argument of how. I can stop spending some of my money.

Starting point is 00:41:39 Good. That sounds great. Why didn't you? And why didn't you? If you can, why didn't you? If you went through Ramzith's program last fall, well, these statements would look very different. I'll be honest.

Starting point is 00:41:53 So if you could, why haven't you? Because I still like to buy things. Oh, very good. That's not changing when you leave this room. There's not a magical spell that happens when you leave the financial audit studio that says, oh, I don't like to buy the things I like to buy anymore. Well, I can change. Then why haven't you would be the question that I would follow up with and now have?

Starting point is 00:42:17 I guess I haven't changed it because I don't want to. And why the fuck are you here? We'll see if I want to What? I'm going to waste my time Why the fuck would I give a shit To see if you want to? I want to help people when they want to be helped But to see if you want to

Starting point is 00:42:32 You Fuck you Fuck you What do you mean for me? What do you for what? I didn't do anything Okay, I do want to change I want to renovate my house

Starting point is 00:42:44 No, you need 200,000 hours In retirement at your age Before you even contribute a single center renovation. What are you trying to do renovation? What am I trying to do? That was the question, Karen. Okay. I want to redo the floors. I want to put in a new kitchen. I want to do update my bathroom. How outdated is your house? It was built in 68 and it still has a lot of the original stuff. So yeah. In 1968? Yes. Okay, I would understand wanting to renovate. Doesn't mean you can or it makes sense to. especially if you're not even on the fucking title.

Starting point is 00:43:21 Well, I'll get my name on there. Okay, what do you think your financial score is? Zero to ten, zero being the absolute worst, 10 being the absolute best. My financial score is four. Okay. Okay, yeah, sure. Listen, bankruptcy, sure.

Starting point is 00:43:35 If you watch your Hammer financial score, see where you stand, take the quiz, take the assessment, it is free, and it just takes a few minutes at Calebhammer.com, see where you stand in the world of money, where you're doing poorly, where you're doing good, and how you compare against other people. It is awesome.

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Starting point is 00:45:12 Like I said. So when David sees this, what does he think? Wow, that's one of my financial gazelles right there. Um, I'm starting to pay that down. No. I have the statement. Fuck you. Um, no.

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Starting point is 00:46:19 That's kind of fucking stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought?

Starting point is 00:46:45 That's incredible. Check it out. Link in the description below. It's at $4,500. $1.51.5. That is over the limit. You don't know what the fuck you're talking about. How long does this take the payoff if you only make your minimum fee payments, which you only made your minimum monthly payment? And you don't spend. I just saw you look at the number, so you probably know, cheater. Did you see the number? I didn't see the number.

Starting point is 00:47:08 How long does it take? Three years? Okay, dude. Is this because you've never had to think in your life? The guy just takes care of everything? You're sexist. You're making me be sexist, and that's not fair. 20 years. Oh, okay. Oh, yeah, that's when you're supposed to be retiring, by the way. Yes.

Starting point is 00:47:28 And you'll only be stirring you to pay off of this one card. And you know why? It's because you've never paid off your debt before. Bankruptcy did. A man did. And a man did again. And a man will do because, honestly, he sounds like a pushover. Sounds like a nice guy.

Starting point is 00:47:41 But he sounds like a little pussy pushover. Okay? This 2016 fibrista mustache for you. Yes, and it looks great. Yeah, a decade ago, I'm sure it does, a decade ago. If that's what your style is decades ago, then please don't be renovating any of my houses soon. I have amazing style, like we've discussed.

Starting point is 00:48:04 Uh-huh, somehow Josh agreed with you. So, yeah, he'll probably pay off your debt, and you will have learned nothing again, and that's honestly likely the outcome in this conversation. Well, you didn't walk away from Dave Rameth with anything. I mean, I listened to what they said. And then you're like, hey, babe, let's pay off all the debt and with our savings and buy our savings, his savings. So you wanted to drain his savings down to pay your debt.

Starting point is 00:48:31 It's stupid. It makes no sense. Which also, I wouldn't even recommend doing. I don't know what Dave. I haven't listened to Dave in a hot second. But if David doesn't say you have to change your behavior from pulling from all your savings first, then he's wrong. because we've seen time and time again. If you don't change your behavior before you take a fast track,

Starting point is 00:48:53 you're going to get right back where you were again. Deac consolidation, credit card transfer, bankruptcy, you name it. That's exactly what you've done. So I'm glad your husband didn't do that. I'm glad he didn't do that. How much was in savings that you tried to pull? A few thousand. From his savings.

Starting point is 00:49:10 No, how much? Come on. I don't know. What's the point? A few months ago, you don't remember. And then you did nothing except for keep this over the credit limit somehow. you must have been purchasing just recently. And then a $169 minimum

Starting point is 00:49:21 payment. You're only making the minimum of the payment. So this takes 20 years. You'll be 62. And this card will be gone. What is wrong with you? What is fucking wrong with you, dude? There is nothing wrong with me. I...

Starting point is 00:49:35 Oh, bullshit. Come on. Let's not play pretend. Let's not say things we don't mean. Need things you don't know. What did you get? Sure. What did you spend in here?

Starting point is 00:49:46 I think I got some new calls. clothes, some new shoes. That's our need. That's our need. That's our fucking need. Yes, I needed it. We had a party for work and I needed a new outfit. What would have happened if you didn't show up with a new outfit? Embarrassment. Wow.

Starting point is 00:50:02 I needed to look really good. It was a big special event and we had a big open house. And so I needed a new dress. I needed some new boots. What would have happened if you wore a dress that you wore a year ago? What would have been the consequences? I mean no necessary consequences. Then you don't know what the word need means. Because when I hear need, I hear need, meaning there's going to be something that happens if you don't. Need.

Starting point is 00:50:27 No, you wanted to. You wanted an excuse to. I mean, I'm being told looking at your previous, previous spending. Like, you endlessly go get necklaces, earrings, bracelets, and every time it's not even necessarily something nice. And we can tell. But you still go drop about 500 apiece. You go for quantity over quality. I go for quality

Starting point is 00:50:47 And so that's why it's more expensive You wear trumpet earpieces Those are beautiful And they were only like 120 I know but you stack up to 500 Our purchases across the board Because you just buy shit Buy shit buy shit buy shit

Starting point is 00:51:01 Adding everything into the cart Doesn't matter because it's cheap You just get it all the time And then we all know it's cheap We can tell I needed a new bra Need it no no Stop using this word need

Starting point is 00:51:12 You don't get to use the word need You don't know what the word need means. I don't think... You know why? It just, I mean, it just hit me again. You've never experienced the need. You've had someone bail you out at every instance, including your brother letting you live in his basement.

Starting point is 00:51:26 And I'm not saying he necessarily should. I don't know if after a divorce, but you've had someone bail you out every single second of your life. You've never experienced the need. A struggle. A problem. I have experienced problems and struggles. What?

Starting point is 00:51:38 What? What? Well, having to live with my brother. That was a struggle. You entitled. You absolute entitled. Man, what is it wrong with you? Yeah, what was the struggle?

Starting point is 00:51:50 I had lost my job and so I needed somewhere to stay. I read today about a 10-year-old girl with Down syndrome. I read about... Did you say want-wam? You got bailed out. What was the struggle of being bailed out? Struggle is you're not bailed out and you've got to figure shit out. I figured it out by moving in with him.

Starting point is 00:52:08 So your struggle is that someone else bailed you out and got the whole basement to yourself. Well, not the whole basement, but... Oh, no. Tragic. What trauma? I know. I really wanted the whole sports court to myself. What? What? I don't know what that means you? I feel like you just gave an inside reference to your own family on a podcast. No. I don't know what the fuck a sport... Does he have a gym in his basement, a whole gym? Yes, a sports court.

Starting point is 00:52:35 Okay, you guys are rich. I, like, okay, good. So a rich daddy billed you out. Well done. Thank you. You've never experienced struggle. That's your opinion. Is that your big struggle that you dealt with one time was moving in with your brother? Yes. That's where the tears are going to flow? Yeah, I didn't have any other options, so that was a struggle, and he let me stay there.

Starting point is 00:52:56 How is that not a struggle? Because you immediately got bail done, and you got a whole nice-ass basement. Losing her job sucks. I mean, that sucks. It doesn't feel good. Yes. But you never were on the brink of homelessness. You were never on the brink of actually an actual struggle.

Starting point is 00:53:10 You've always had a man. to bail you out. Stop making this a sexist episode. What is wrong with you? I'm not making it sexist. You are. Kind of just, I'm not really. It's just based on everything you say.

Starting point is 00:53:22 And you want to be tradd all the way anyway. Well, I just think that a man should take care of the woman. So, yeah, if that's trad. I mean, if that's how you guys want to live your life, sure. But, like, at that point, then it would be spending from his account. And you're instead just racking up dead. in the background that he's going to have to take care of. He thought you had $10,000 in debt.

Starting point is 00:53:45 So this isn't him just taking care of you. This is you abusing your position. I wouldn't say abuse. Of course not, because you would never want to take accountability for anything. No. Yeah, we know that. We listen to you. We know people like you.

Starting point is 00:53:58 Fortunately, it's like everyone now. Okay, dude, you had... What is this? You had late fees. You had... I had a late fee? You had about two or three late fees. I was at a 32.49% interest rate,

Starting point is 00:54:12 $1,200 last year. What the fuck is what is? wrong with you. What the fuck is wrong with you? Are you sure there was more than one late fee? Yeah. Mission Lane's own HOA Karen came and charged you with a late fee. You got punished. I didn't realize that. Karen meet Karen. I am not a Karen. Brandon, can you come over here for a second? Can you come over to her side and stand next to her and just pull her mic to you as well? You're the second Mexican I'm bringing in, so hopefully you make up for the last one. Josh says she doesn't look like a Karen. Do you agree with Josh? Do you agree with me?

Starting point is 00:54:43 You're a super Karen. Thank you. What the fuck was Josh talking about? Respectfully. Thank you. Thank you for the respect. Yeah, I mean, you got sideburns with your hairstyle. Yeah, this is horrendous.

Starting point is 00:54:56 Or it's over the limit fees, which means it was happening all year. Like, what the fuck wrong with you? K-care credit, right? This is usually for dog shit. That is for dog shit. It wasn't for dog shit. Oh, it was for dog shit. Okay.

Starting point is 00:55:06 Well, it's over max out. That usually doesn't happen with dog shit. That usually means you're not paying. Well, I did have to pay for dogs stuff. Oh, there's a pee. And I had to pay for some dentistry. Did you have to pay for late fee? That just happened, late fee.

Starting point is 00:55:21 Oh, I forgot to pay that one. Why? Why did you forget to pay that one? Well, I just don't always think about it. Why not auto pay? If the man's supposed to take care of you, as your trad woman says, then why have your own credit cards anyway? Use his credit cards he pays for them. What the fuck is this?

Starting point is 00:55:38 You're trying to be independent yet be wrapped up in trad. Make it make sense. It doesn't. Karen. Okay. So I can be partially independent, but he can take care of me in food and housing and stuff, but then I can still make money to buy the things that I want. Well, I'm not saying you can't make money.

Starting point is 00:55:58 Okay. But you're not paying on your own bills. You seem to want the best of both worlds, where he takes care of all the big overhead, because a man takes care of the house. And then you go and spend all your money on literally anything and everything you want, instead of having to contribute anything to the household. You literally just want the best of both worlds. I contribute some stuff to the household.

Starting point is 00:56:19 Well, a little glocky, glocky here and there. Good. I'm glad he's happy. Yes. What else do you contribute to the household? An idea of a 200,000-hour renovation that he doesn't even want or think you need? I take care of the kids, which are the dogs. So I pay for everything for them. I thought that was about to be kids in this conversation.

Starting point is 00:56:37 You really threw me for a loop real quick. And... Okay, the dog, so easy. Well, they require grooming every six weeks, and that's expensive. Oh, my goodness, you are a broken individual. Every six weeks, you cover grooming? That's your contribution? No, I pay for all of their food and all their vet stuff.

Starting point is 00:57:00 Okay, vet stuff could be big, but listen, not even necessarily. He said he has the savings just in case something happened to the dogs. How did you have? Minutrition houses. Oh, you are. Karen extreme. How is that Karen? Come on.

Starting point is 00:57:14 That sounds like an alt. Is that not a Karen dog? No, miniature schnauzers are super popular. Minichishishish? Eh, let me look them up. Can you please show him the picture with the eyelashes? Mm-hmm. They're pretty fruitful.

Starting point is 00:57:26 Oh, those are Karen dogs in the extreme. What do you mean? Absolutely they are. And also, they're not, they're very tiny. Their food is not expensive. Even the expensive food is not expensive. You've never had big dogs. You can't tell me it's expensive.

Starting point is 00:57:39 I don't want to. I don't want to. Yeah. The grooming's also going to be cheaper, too. Yeah, yeah, pretentious fucking dogs. Yeah. Those lashes are real. And I'm sure they're very cute, and I would love them in person, but you're a Karen.

Starting point is 00:57:49 You just keep being more Karen as we go on. Well, they have to have specific type of food. So, yes, it's more expensive. Yeah, more expensive, but it's still low portion and it's lower hair to cut, too. This is your big sacrifice to the house. Wow. What a hero? I know.

Starting point is 00:58:03 Should make a fucking statue. Which one is that? Oh, promotional bail. Ah! Oh, one just ended a week ago. Oh, you got the deferred interest. Fuck me. So this is substantially higher now.

Starting point is 00:58:13 Fees, interest, late fees. Oh, you had approximately five late fees last year. Five late fees? Maybe you should actually let a man deal with all this because maybe you can't handle independence. Look at this. This is a disaster. You're ruining all the fucking decades.

Starting point is 00:58:30 We've had a feminizing and woman power. You have just thrown back to the dumpster. Okay, explain. Tell me. You're throwing us back to feudalism for women. What did I get a late fee on? What? I got another late fee on that one?

Starting point is 00:58:44 Yes, you've had five last year. You can't be trusted. You want independence? No. No? Yes. No. How does that show that I can't be independent?

Starting point is 00:58:55 Because you didn't make half your payments last year on time. What do you mean? How does that show? What are you talking about? You're making me look like a... The most... I'm not even close to Trat. I don't give a...

Starting point is 00:59:08 But you... You're advocating for independence yet having a man take care of you, and then you do this? What kind of look at this show? Which card is that? Oh, my goodness. It's the care credit. Do Karen's not remember the last five minutes? No, we don't.

Starting point is 00:59:22 Mm-hmm. We should acknowledge it. Care, correct. Of which deferred interest just hit a week ago. For a moron. You can't be trusted to manage that for a single second. It's at 40% interest. 40% interest.

Starting point is 00:59:41 You're f***. You're f***. A firm? It's a shit ton of money on a firm. What the fuck are you getting on a firm? Oh, Amazon. Pull up your Amazon. Oh, f***leady.

Starting point is 00:59:55 Miss care. And N. What have you done? 2,390. $0.21 cents on a firm. You're a f*** moron. You're a f*** moron. Consumer minimum of the payment is about five,

Starting point is 01:00:11 77. And then you replenish, replenish, replenish, replenish, starting a screen recording. Thanks for not connecting to Wi-Fi. I did. It says you're on 5G. Let's see. Nah, it doesn't matter.

Starting point is 01:00:25 So do you anyway. Okay, let's see. Quit smoking patches. I don't smoke. The nicotine patches are for energy and for focus. Patches? Why aren't you just zin and up? Where is it?

Starting point is 01:00:38 I don't have it with me. Where do you put it? On my chest. Is that normal for people who don't smoke? I've never heard of this. That's usually for people who smoke. Nicotine is a good supplement. Wait, are you prescribed adderol?

Starting point is 01:00:57 Yes. This is why she's like this, by the way. She took an adorol and a caffeine pill in the green room, I'm being told. This is making a lot of sense why you sound like, oh, my gosh, I'm a fucking actor. I need to have a little pep in my step during the day. because I don't sleep well at night. Well, because you're morbidly obese. You need to be able to step around things.

Starting point is 01:01:16 Yes. You need to be able to make it to the other side of the room somehow. Also, what the f- Why do you not believe in do not deserve? Okay, you got a little plushy. You got Sal T-T. What's Sal T-T? Oh, that is electrolytes.

Starting point is 01:01:32 Salt? Are you working out substantially? No. Then you don't need it. You know through a most normal healthy diet people are getting the electrolytes they need unless they are walking and aggressive or unless they are working out and aggressively sweating.

Starting point is 01:01:45 Then you need electrolyte replacement. No, you should never drink water unless it has salt in it. Never. Never. That's what Dave Asprey says. Okay, well, Lindsay knows that one. He is. Oh, and that's the fat, the fat in your coffee for your brain? Okay, Brandon would be a big fan, Lindsay's saying.

Starting point is 01:02:09 Lots of plushy things. You get these sheep, are you obsessed with sheep? It's lamb chop for the dogs. Okay, air filter's fine Why are you clarming all this stuff though? Lots of hair shit Lots of hair shit Um

Starting point is 01:02:22 Gosh, it's a mix of things that are okay Or overbought and then bullshit It's stupid with the fact that you're affirming all this shit Pull up you're a firm Pull up you're a firm Oh shit! Oh, you're going to Seattle this Friday for a concert $600.

Starting point is 01:02:37 Who you're seen? So that's what you're fucking clarnying Being a dumb ass? Who the fuck are you seen? I went and saw Rocky Ville in Seattle last weekend. I keep looking to everyone for these names. Who are you talking about ever?

Starting point is 01:02:51 Rocky Vodalado is my favorite musician, and he had his 20th anniversary for his album. The affirms gone up to 3,135. So that one is higher. What the fuck is wrong with you? Handel, you're not a credit card person. You don't understand shit. Okay?

Starting point is 01:03:11 You don't understand shit! I am a credit card person. A credit card person is not just because you use it as a tool. A tool. To get what I want, and then I'll pay it off. Oh, my God. off. Fuck off.

Starting point is 01:03:22 You're... I mean, I have been called retarded by someone with Down syndrome before, so... Okay. I'm glad you got the validation. Delta, that's Delta, yeah, you're going everywhere. L-M-in paper? What is a lemon paper?

Starting point is 01:03:50 Elamon paper is I got a new planner and I needed some new planner inserts because... Planner inserts? Yes. Oh, you just overdue everything. You are such a... Some budget planning inserts. Shut the fuck up.

Starting point is 01:04:03 I mean, I'll use them one day. Just use the dollar-wise budgeting them. Moron. You get it for free for the rest of your life. Okay. I'm also putting you through the master your money program. That comes with the premium version of dollar-wise, but also, it comes with all of our classes. Our debt, class, budgeting, investing class, real estate class, you need to go through

Starting point is 01:04:23 all of it. And I'd go through it with him as well. Yeah, going on a trip to Fiatel to see someone no one's ever heard of for hundreds of right before coming on financial auto is insane. That is a crazy move. Well, I have been planning it for like six months. To see Valadado? Rocky Vodalado.

Starting point is 01:04:40 Who? Name a song. Makers. Sing it. Death keeps calling me. No. Try to put some tune to it. Death keeps calling me.

Starting point is 01:04:51 She's going to set me free. No more sunshine sidewalk streets from misery. Do we know this? Oh, and you spent money on that? Shit. Okay, well, you're new for minimum payment's likely, 783. If you're painted in four, we'll see. Okay, and I know I'm sure those are like weekly, split out weekly and whatnot, but Apple Card.

Starting point is 01:05:15 What's going on here? Well, Apple Card is... In Toronto, every arrival is a statement, and nothing says it better than this. Cadillac Optic was the number one selling luxury EV in Canada for 2025. Find your rhythm across a seamless 33-inch display and an immersive 19-speople. speaker AKG surround audio system. This city demands agility and optic delivers with precision to make every drive extraordinary. Let's take the Cadillac.

Starting point is 01:05:39 Find out more at Cadillac canada.ca. Luxury sales claim based on S&P Global Mobility Canadian new vehicle total registrations for calendar year 2025 for the Cadillac definition of luxury. For typically when I run out of money, there's no way you talk like that. When you run out of money, you run out of money every second of your life. I need to get gas or something. You spend more than you make. Three years to pay off minimum.

Starting point is 01:06:00 A lot for work. To work. What? How much? I need gas money. I drive 45 minutes to work and usually takes an hour to get home. What the fuck is wrong with you? Why do you live so far? Because...

Starting point is 01:06:11 Saltly City isn't that big. You must live on the complete opposite end of the metro. I live up in Ogden, so... I don't. And it's because that's where my husband's job is, and so that's where we purchase the home. Trad. Trad. Tad home buy. Well, I don't see any purchases on here.

Starting point is 01:06:26 You made your minimum, but I guess you probably do on a normal basis purchase on here. Yes. It's fucking crazy, dude. It's just crazy. Hundreds of dollars in interest, 25.74% interest rate. I just don't understand how you're living your life. Why are you living your life?

Starting point is 01:06:38 Listen, maybe I'll get you a fucking certification from course careers and accounting too. Most people out there use that to improve their income situation, but I'll gift it to you so you can understand numbers. Math can be hard sometimes, so... Not this basic shit. I don't get it a math. Finances are basic math.

Starting point is 01:06:57 Okay? Basic math. Quick's over. You're spending math. Why are you spending on a card that is over limit, that is accruing interest that you cannot pay off to save your fucking life? I don't know what I'm buying on that one. You don't even know what you're doing? Dude, you're over the limit on everything.

Starting point is 01:07:13 $512.23. Minimum monthly payment, $28. It takes two years to pay off, except not really because you're getting fees, you're getting interest, and you are spending on it. You are spending on it. Well, like I said, if in between paychecks I needed to get something or go get a coffee. If you don't take care of the overhead, you shouldn't have an issue. You shouldn't have a f***ing issue. It was a late fee.

Starting point is 01:07:40 Another late fee. Another late fee. I swear I pay these things on time. Okay. Well, you just broke your oath because you literally do not. So I don't know what to tell you. Anxious accruing, fees accruing, and you got an Amazon purchase. we saw your Amazon's.

Starting point is 01:07:58 They weren't 100% necessity for living. I mean, I guess. A dog toy is not a necessity, but it was really cute, and I wanted it. Why does he deal with this? Oh, because he's a pushofer. That's right. I forgot. No, it's because my tits are big.

Starting point is 01:08:17 And don't forget, I want you to be on the next episode of Financial Audit. So go to Calebhammer.com slash apply or click that link in the description below. You'll have a great time, and I'm going to roast the fuck. of you. Starbucks is bullshit and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Gave's Subs. Literally the cherry flavor is

Starting point is 01:08:58 insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamer subs.g or click that link in the description below. Type in code Caleb. Good on you guys. My tits are big too. You don't see people put it up with my shit. Are you sure? Lindsay, do you put up with my shit because I got big tits? Okay, I just wanted to make sure. Because she does put up with my shit. Big pockets, that's way. Schwab Tire Center?

Starting point is 01:09:32 Les Schwab. I had to get new tires. Oh, Les Schwab. I apologize. Les Schwab. Yes, I had to get new tires for my... You couldn't just favor? None of your money goes to overhead.

Starting point is 01:09:43 There's no way you couldn't just get new tires. Yes, I don't have that car any longer. You still owe on tires on a car you don't own? What happened to this car? We traded it in for a better car. What kind of car do you have? Well, I mean, a newer car, but not new. What kind of car do you have?

Starting point is 01:10:00 2014 Hyundai Santa Fe. Well, this should be paid off in a few months. I mean, you owe $3.68.54. How much were your new tires? I think they were $1,200. When did you get these? Like a year and a half ago? Maybe two years ago.

Starting point is 01:10:15 I don't know. Okay, well, you've been paying on it forever. $11 is your monthly. I'm not freaking out about that, but what I am freaking about is this. What is this? What is this? Clarnia. That is, yes. What?

Starting point is 01:10:26 That's Clorna. Pull it up. Ticketmaster. Converse. Atsy? What do you get in on Etsy? What the fuck are you getting on Etsy? Huh? Huh? What do you get in on Etsy?

Starting point is 01:10:39 Huh? I got a few things for like a dress. I think I got Converse of those, right? Yes. Okay, this one. Imagine Clarnah being a

Starting point is 01:10:53 Karen. You're fucking Klarna being a Karen. It's impressive. There's your ticket master of converse. It's just, it's crazy. That's crazy. Listen, okay. Marimum on this is likely of the 293.6. So stupid.

Starting point is 01:11:12 Why are you paying it for him? It just makes it easier for me because... Does it? Because you don't make your payments on time. So does it actually make it easy? I do make those payments. Those ones are automatic. I don't trust you.

Starting point is 01:11:21 I don't believe you. Yeah, but if you don't have enough in your account, it bounces. That's true. That's true. It just, okay. So I know I'm going to have the money, but I want it right now. What if you get laid off again? Remember when you got laid off?

Starting point is 01:11:33 That sucked. Well... I don't think people do a lot of renovations when we're in a recession and the job market's a little meh. Quarterly GDP numbers were good last time, but still. I didn't get laid off. I was fired.

Starting point is 01:11:44 Why? For sexual harassment. Who'd you harass? The maintenance guy who was sending me nudes, I smacked his butt. And then they fired me. I was like he was sending me nudie pictures. Why'd you smack his butt?

Starting point is 01:12:04 Well, they were all joking around and they had new outfits, so. What? A man was sending new nudes. Yes. Consensually? Yes. I mean, I wasn't really responding to him, but it was after my divorce. But you invited them?

Starting point is 01:12:22 No, I didn't invite them. I was chatting with him and then he sent that to me. What the fuck, dude? Guys are out there slinging in images. What are we doing? Men, get you. your shit together. But it didn't bother you. No, it didn't bother me. You liked it, the attention. Well, he was cute, I guess. So you, you liked it? Yes. And you didn't encourage anymore?

Starting point is 01:12:51 No, I didn't encourage it. How long was he sending you Pee-Ps? Well, he only sent me one. And it wasn't fully, I guess it wasn't a full nude. He had a towel on. Oh, so it wasn't a nude? I guess not. It doesn't make it necessarily appropriate, but there's, there are degrees. I know on the everything's a nuclear 10 out of 10 at all times. But just like murders, there are degrees. So he had been flirting with me. He sent me a picture in a towel. Were you flirting back?

Starting point is 01:13:14 Yes. Okay, okay, okay. You made it sound like out of the blue. This all of a sudden becomes, I'm not saying not inappropriate, but much more normal in the real world, that flirting can get to something slightly salacious. Yeah, so. And then at work, you smacked them in the butt?

Starting point is 01:13:30 What did this look like? Oh, nice new pants back. Did he report it? Apparently somebody else reported it because they felt uncomfortable. Christian should have been fired like 50 times now. The dude can't keep his hands off men's asses. Especially Brandon. Oh my gosh, he loves you.

Starting point is 01:13:48 He loves that fucking those cheeks. Yeah, let's get HR in here. Let's get HR in here. I want to see if you should have been fired or not. Because, I mean, I don't know. You guys were flirting. Obviously different tolerances. companies are afraid of lawsuits and whatnot.

Starting point is 01:14:08 Was it a big thing? I mean, it turned out good because I didn't love that job anyway. Did you fuck them afterwards? No. You didn't even get anything good out of it. No, nothing. That sucks. Oh, I guess it doesn't suck?

Starting point is 01:14:22 Oh, he was cute at the time, but I was, like, I didn't really care. I had just gotten divorced. It was before I met my current husband. That's when we rebound for a little insertions here and there. Yeah, for here and there. How much did that fuck you when you got fired? Oh, it fucked me. That's when I had just got divorced.

Starting point is 01:14:39 I lost my job, and that's why I had to move in with my brother. Why did you maintain your lifestyle, though? I just kept thinking that I would, everything would work out, and I would just get another job. Well, we don't know where HR is, huh? Okay, never mind. Okay, well, let's keep going. Zabble, what the fuck is the Zabble?

Starting point is 01:14:59 I had 24.03% interest rate. How is this? That is a personal loan that I got to pay off. my cards and... Oh my goodness, so you did it twice. Bankruptcy, no lesson. Consolidation, no lesson. And you're consolidating it 24.03% interest.

Starting point is 01:15:16 That's basically a credit card. That's basically a credit card. Well, I found my dream chairs. So I also... Who has dream chairs? What is wrong with you? Again, you look like one out of Taco Bell from the 80s.

Starting point is 01:15:30 I found my dream chairs. What is a dream chair? A dream chair is... Oh, I shouldn't even know. What? It is the suspension chair from Star Trek The Next Generation. And...

Starting point is 01:15:45 Okay, show me. What the fuck are you talking about? Did your minimum... You're going to be paying this off forever. $272? Huh? You recruit almost $2,000 in interest. Ah!

Starting point is 01:15:59 You had fees! I think you had a late fee every month last year. I don't think every month. Okay. I think every month. So these are the suspense chair. Let's make sure we put these on screen. Let's see what

Starting point is 01:16:12 this is, let's see what a $10,000, 24% personal loan never paying on time with $550 of late fees is all about. You don't even have them at the ready, your dream chair because apparently that's something people have. Brough. These look like

Starting point is 01:16:33 So they are on Ted Ford on Star Trek the Next Generation and they're so cute. They're so cool. They're very comfortable. Yes. they are. So I got four of the one-arm chairs and two of the no-arm chairs. Where are they?

Starting point is 01:16:50 The no-arm chairs are in my living room and the other chairs are waiting to be re-apholstered. They're very cool. Oh, you don't care about anything that is needing to be cared about in your life at all. Come on. You don't give a shit about anything important. I do. Those are important. No, you are just, ooh, you.

Starting point is 01:17:14 You are not a good person financially. But I'm a good person. I can't comment on that. But if you're caring things towards the beginning or true, I would actually advocate no. And you've had this for two years now and it's still this. This is chaos. This is insanity, dude.

Starting point is 01:17:33 This is insanity. Late every month last year. No. You had to have been, unless every late fee is just like insanely expensive. I've only had that one for one year. No. January 2024. It's 26 now. Was 2024? I thought it was 2025. I'm being told 24.

Starting point is 01:17:53 It was 2025, I swear. Well, even still, it's horrendous. This isn't almost going to make it better anyway. Okay. And so it's around the way down at that time and it's still... So, like, I don't even... I don't even want to hear it. This is absolutely ridiculous.

Starting point is 01:18:07 Now I understand why you don't have money because you've been... For things with all the money you do have. Who has this style? wants those chairs. It's not. Who does this? They're very cool. And when I re-apulster them in a really fun fabric,

Starting point is 01:18:22 they're really- So is that even the Star Trek chairs anymore? You re-epulsed it into something else. Well, no, it will still be the Star Trek chairs. It'll just have like an updated look to them. Oh my. Fashion forward, if you will. Okay, student loans. For what?

Starting point is 01:18:40 For a while, I thought I might want to go into aesthetics. So I started... What is going into aesthetics? Skin care, facials, that kind of stuff. Oh, esthetician, like that. Yes. That's called aesthetics? Aesthetics, yeah.

Starting point is 01:18:55 Aesthetics. Correct. And so I started school for that. Oh, you've made almost absolutely nothing for a very long time, by the way. I decided, no, that's not for me, so I stopped that. But you spent thousands and thousands and thousands on that? Because you still have a balance of 4,000, 3,000. When did you do that?

Starting point is 01:19:15 Oh, six years ago? What's the wrong with you? What's your minimum payment on this? 53? Why? You should have to pay more. You don't do poorly. You just spend all your money and everything.

Starting point is 01:19:27 Why are we subsidizing you? Pay more, asshole. I will pay more when I can. You never can. You get Star Trek chairs. You're a moron. You're a fucking Karen. Dude, you're...

Starting point is 01:19:38 No, no, no. Shut the fuck up. What is this? This is a checking account? You have $23.64 cents on here. Okay, Venmo, $25. Oh, there's so much on here. Venmo again, 25.

Starting point is 01:19:51 Who are you Venmoing? I'm Venmoing my dog walker. I thought you were the one who takes care of the dogs. You're the special princess who takes care of the dogs, the queen of the house. Shut the fucker. I take care of by paying the dog walker. Berga? What is Berga?

Starting point is 01:20:04 Berga. Berga, it was my phone case. What? Why are you having two payments to it? Oh, because I also got a case for my backbook and a case for my iPad. What? A case for my MacBook. Oh, Mac book.

Starting point is 01:20:16 I heard backbook. DoorDash, fuck you. Palm Beach tan. Mm-hmm. I need to go tanning. Uh-huh. DoorDash again, raising canes. Alta.

Starting point is 01:20:32 Etienne witch raw. Don't even know where the f*** that went. $63.50. Go in Indian's bullshit. Bo Coupe. Bow's Coupe. Bows Coupe. McDonald's.

Starting point is 01:20:45 Then we're not money. Perfume. Then we're not money. Go and ain't get some bullshit. Go and eating some bullshit. What are you getting for $6.18 from the gas station? Because it's multiple times. Starbucks for Appuccinos every morning on the way to work.

Starting point is 01:20:59 At Exxon? At 711? Yes. Starbucks Prapetitos? Yes. At 711. At 711. Yes.

Starting point is 01:21:05 No. Like the bottle of rapachinos. Make your coffee at home, moron. Well, I do make some at home before I leave, but then I need another one. What the fuck you are a broken individual? This makes no sense. Why not get actual real coffee? coffee from a place. It's cheaper than that.

Starting point is 01:21:19 Well, it's two of them for six to eight. Buy them from bulk from the grocery store. They sell them at the grocery store for cheaper in bulk. No, it's actually like the same price. No, it is not. It's impossible. Lies. Lies. I don't believe it. I swear to you. Well, you already swore to me before and you broke that. Amazon, Bo Coup. What is Bo Coup? You go there all the time.

Starting point is 01:21:38 Bo Coo is the bakery by my work, so I'll go there to get a cookie or... Oh, my goodness. A coffee. You don't, you are... What is wrong with you? How many coffees do you have? have a day. Probably. You took a caffeine pill and Adderall

Starting point is 01:21:49 in the green room. Dude, your heart's going to explode. It might, but I drink about four or five coffees a day. What?

Starting point is 01:21:57 That was morbid obesity and caffeine pills and adderol? Yes. I know, I know. Can you get me my backpack please?

Starting point is 01:22:07 Brandon. I'm only supposed to have 400 milligrams of caffeine a day, but I usually go a little bit higher than that. So what? Okay, you can get four

Starting point is 01:22:13 from Walmart. The Frappuccino's seven bucks, seven 78. It's double the price the way you're doing it. But those are smaller. The four pack is smaller. I don't know, and I doubt.

Starting point is 01:22:23 Not from one... The four pack is smaller cans or smaller glass bottles. You're the black-haired version of that cunt from Harry Potter that locked down the entire palace. I've never seen it, so I don't know what you're talking about. Oh, how have you? What? You got to watch it every Christmas. What is wrong with you?

Starting point is 01:22:39 You have, you just don't live life. I swear you, you are... What is wrong with you? Thank you. Thank you. I'm gonna ask why I'm carrying this around because I have a lot of weird things because I'm a fucking weirdo

Starting point is 01:22:57 but it's okay What's your heart rate? Put it on Yeah, you have to turn it on Sit, let it think Bo Coupe Bo Coup McDonald's Raisin Cain's

Starting point is 01:23:13 Audub Go to the library BoCoop Venmo, Venmo Get in your little Quaffee PetSmart Venmo BellCoop

Starting point is 01:23:20 BoCup Barracota Barracota Baricota Barbariccaud Apple Bill Apple Bill Bill Coup

Starting point is 01:23:27 Olympia Hill Service, Chick-fil-A, this is an insane amount of spending. Going to get in your coffee, Domino, Subway, Hill Service, Megaplex Theaters, Apple Bill, Etsy. You're getting a lot of shit on Etsy. Coffee, Amazon, Dimitri Martin, Amazon, Amazon, Venmo, Subway, Spotify, Megaplex at the Gateway, Ice House. Overdraft your overdrafts for this coffee and bag, bag, poop. What is it? What is it?

Starting point is 01:23:53 What is it? It's at 99. What? I'm, no, that's your oxygen, you moron. It's 110. I don't think you should be sitting with 110. Not sitting. Walking, sure, maybe.

Starting point is 01:24:07 If you're a high heart rate individual. But if you're at this, should you be taking anterol? If you're sitting? I don't know. Also, I have a note. It is labeled, fuck off, bitch, 12 pack of 13.7 ounces for $33,

Starting point is 01:24:21 which is $275 per bottle. Where? Off bitch. I'll go to the grocer then. Yeah, I mean, if you're trotting it up, aren't you supposed to anyway? Oh, no. Of course not. Again, you pick and choose what you like.

Starting point is 01:24:37 Oh, my goodness. Last year, you had 17 overdrafts on here. You Karen freak failure. What are you doing? And I know you're not going to fix this. I don't even understand. You went to David Ramseth and you did nothing. Have you called to David?

Starting point is 01:24:50 No. Okay. I don't want you answered like that. For 17 and this, I would definitely switch from SO-Fi and go to chime. it is much better, much better. Better high yield, better services, and a better sign up bonus, $350. Okay.

Starting point is 01:25:05 $350 when you sign up for a direct deposit. It's incredible. But you're still going in and getting the... Coffees, Wendy's, Wendy's coffee, Wendy's coffee. Uh, bullshit. Amazon, Amazon, Amazon, Amazon, Amazon. Bo Coup! Perfume, Olympus Hill Service.

Starting point is 01:25:24 Stopping at a store getting something, $150. I don't know. The Garo. Amazon McDonald's. Alexa skills. Oh, coffee, McDonald's, coffee, Dornash and Chick-fil-A,

Starting point is 01:25:39 coffee, Amazon, Amazon, Venmo. Oh, coffee, Doornash, Amazon, coffee, Amazon, McDonald's, Amazon, Coffee, Amazon, Art of Circle. Coffee, coffee, Amazon. Oh, doornash, Amazon, Bocchio. I don't have time to leave for lunch. Amazon, Amazon, DoorDash, you can games.

Starting point is 01:26:02 Put your doordash your unhealthy stuff anyway. And pack a lunch, you dumb cunt. I try to. But sometimes... How do you try to pack a lunch? Whoops. I failed to that one. I try to be prepared.

Starting point is 01:26:13 What? Sometimes I do forget it even though I cracked it. Oh, how are you like this? You have no accountability in your life whatsoever. You have never been able to hold yourself accountable. No one has ever been able to hold yourself accountable. You are an entitled fucking brat. Hardware, Amazon, tailored, queen bee.

Starting point is 01:26:30 gift bullshit. Savings $296. Put it in, put it in Chime instead. It is a better high-yield savings rate than that. So far, I was a fan for a second, but honestly, kind of shitty compared to Chime. Okay, I'll switch.

Starting point is 01:26:45 Plus, better sign of bonuses. $350. I mean, it's crazy. Only if you use my link. Chime.com forward slash Caleb. And then, yeah, so I mean $7,780 bucks in retirement, which is dramatically fine for your age.

Starting point is 01:26:57 All right, let's, let me budget this. I don't even think you, You can stick to it though, because you're an entitled fuck freak. I can stick to it if I set my mind to it. Yeah, sure. Let's get all those five brains cells working. Let me get... Sorry, I'm just being mean, but I hate Karens.

Starting point is 01:27:15 I really do. Minimum monthly payment, and this concludes your paying fours, which makes it difficult. I will be honest. It makes it difficult. But the thing is, I'm going to keep them in because it's a thousand... Shit. This is weird, because if you pay it off and don't put any...

Starting point is 01:27:31 anything else on there? Yeah, your minimum payment is, you're immediately going to go down. But the thing is, you probably built it all the way back up again. I mean, when I opened your firm, it was even higher than the statements you gave us. So debt minimum payment is probably $1,100, or $1,602.17

Starting point is 01:27:49 a month. You can quickly get it down with the paying for us. Income $4,000. What do you contribute to the mortgage? I contribute, let's see, $1,100 for the mortgage, my car, and I don't know what it is separately.

Starting point is 01:28:06 I just pay him that's fine. Yeah, I didn't see a card dad. So he did it for you because, again, you can't do anything yourself. Strong and have been a woman. Yes. Does that include internet, electricity, gas and all that shit as well for the house? Wow. Phone bill?

Starting point is 01:28:18 That's all included as well. Wow. Look, you were being subsidized by this man. I can't believe he's just allowing this to happen. Listen, you can use helium if you ever need your own phone service. I'm sure it's good in Salt Lake City because it's just T-Mobile service. As long as that's good there. It's a very price-effective program.

Starting point is 01:28:32 I'd recommend it, $15 a month for service. Gas, feroom, drive, drive. You say I spend a lot. I spend $50 a week, so. That's a lot? Oh, my, f- Yes, it's expensive, but you were going to make it sound like it's a thousand hours in gas. Car insurance?

Starting point is 01:28:51 That's included. Oh, my goodness, what is wrong with you? How do groceries work for the house? He takes care of them. Oh, my goodness! Listen, T.P. If you find anything else you need to survive, $150, sure, whatever. Medical health care? Are they copays?

Starting point is 01:29:03 Yes. Hopefully a dramatic amount of therapy, except they're probably enabling you, but go ahead. How much? What's your co-pays? A 25 therapy session. How many therapies?

Starting point is 01:29:10 So once a month. Yeah. Double it up, triple it up, quadruple it up, or see a different therapist. I don't know. None. And I know you don't feel encouraged to go

Starting point is 01:29:21 because you think you're perfect. I don't feel encouraged to go at all. Well, good. He'll be very happy when you drop that at 65. Subscriptions, 40 bucks. Pats, yeah, get some pet insurance. Does he pay for that or you? Yes.

Starting point is 01:29:32 does and we have pet insurance. How much for pet food? I spend $50 a month. Wow, that's your super crazy contribution. How much for the every month and a half grooming? It is 160 for both of them every six weeks. Oh, what are $100 a month? That's a great contribution.

Starting point is 01:29:59 How much for the dog walker? About $50 a week. Okay, anything else that needs to be in this budget. Not that I can think of. How much hair spray? That was the... That's about $35 a hairspray can. And you go through one a day?

Starting point is 01:30:21 I go through about one a month, okay? Is that true? Okay, well, that's in your TP fund. Which actually, I would need to update your TP fund. It's called $200. Which I only had $50. Okay, listen, I mean, sure, you have money left over, but you're just not going to do anything.

Starting point is 01:30:37 You're going to get your coffee. You're going to be a dumb... This is like, whatever. Okay. $482. and $83. Leftover. Sure.

Starting point is 01:30:47 Why not? $33,767. $23.27. $23. Minus the $4,367 of student loans. With this $482 a month, pay off your debt.

Starting point is 01:31:04 I mean, it's just fine because he's subsidizing everything. Five years isn't that bad because he'll pay for you guys to go out to eat and stuff. That's if you actually follow this. Don't spend money on bullshit. Pay off your debt.

Starting point is 01:31:13 You'll be debt-free. Get a fully funded emergency fund, I guess, your side. Then you need to start contributing to retirement. Fuck this renovation. Maybe do some things as you need them along the way together. You guys need to be together. This is just, this is so fucking stupid. I don't know. I don't know. We might call him in the post show to figure out what is his thoughts after all this. But you can pay that off. He'll treat you. He'll give you the luxuries. All your money needs to go to taking care of your f***es now. I just don't think it's going to happen. I hope it does. Let's get your hammer financial score. Spending in a budget

Starting point is 01:31:42 only overspent. Zero out of ten. Debt. No collections. Wait, isn't there IRS debt? Oh, fuck. Sorry. We'll talk about that in the post show. Where was that? I didn't even see it. That's a zero out of ten.

Starting point is 01:31:53 That's a zero out of ten. We'll talk about that in the show. Kill me now. Emergency fund, nothing in savings. Zero or ten. It's like 200 bucks. Retirement, one out of ten. Dramat, you're not on the title.

Starting point is 01:32:02 Zero out of ten. Call. Hammer financial score rounded out point five out of ten. Get yours at Calebhammer.com. Now click that join button for three premium shows. Posted every single day, six days a week. For an extra 20 minutes of this episode. episode, The Financial Auto Post Show.

Starting point is 01:32:13 We got to talk about the IRS then, probably call back the husband. What the f- But what the fuck is going on with this IRS? Well, I was previously a... And I wasn't saving enough money to pay my taxes. And you just found out? I had a payment plan set up. I thought...

Starting point is 01:32:31 I thought I was making payments on this. I thought this. I thought this. What the f***? Don't forget the summer budget reset is now live! Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy. of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you.

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Financial Audit - Financial Audit's Biggest Karen

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