Financial Audit - Gaslighting. Toxic. B*tch. | Financial Audit

Episode Date: August 29, 2025

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Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I want to buy a home with my boyfriend. We've been dating for a year. Because if you're renting, then it's like, all right, it's kind of just giving you a door to leave. You sound insecure. I feel like when you're committed to a house, it's going to... You are trying to trap this man.

What is your? logic that makes it make sense to purchase with a boyfriend. You're not just going to be yelling at me, okay? That's actually what the show is, so yes, I will. Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial today at dollarwise.com. Join the tens of thousands of people who've changed their lives and joined Dollar Wise Central right now for free.

Hi, I'm Camila. I'm 26 from Phoenix, Arizona, and this is Financial Audit. Thanks for coming to Austin. What do you do for a living in Phoenix? I'm an insurance agent, so sales. Sales, very commission-based? Um, slightly. Okay.

I feel like it's more salary. The salary is heavier than the dollars. I'm making $2,800 every first and $15, $2,800. No, net, it's $21. So after taxes, I'm taking $21 home. Okay. So $2,100. Every other week.

Yep. Every first and $1,500. Yeah. Yeah, you're bi-monthly. Yeah, we like that. Yeah, and then the 15th, I get the bonus. Bonus usually ranks from like $300, max to $1,000. Okay, so what is that averaging, like, what would you say, like five, six?

I'd put it at $400, $400, $400. Okay, averaging $400, and that's net $400? Correct, net. Okay, so you're at $4,600 a month. Okay, so you're not doing better. Okay. Okay. Oh, interesting.

Okay. Well, I was going to say, not too bad. I mean, talking net out in the middle of a desert, okay. We're at $55,200. So compared to the median income in the United States, you are beating them. Congratulations. At 26, you are beating them. Yeah.

So you're killing it. You're doing well. I think I could do better, but I think we all think that, right? Well, I mean, that's probably why you're on the show, which was going to follow into my next question. What's going on here? I'm a spender, dude. I just love to spend. I love clothes.

You love clothes and this is not typically with someone, no offense, looks like when they say I love clothes. Oh, wear you a T-shirt. It's a cool T-shirt. I can't even tell what's going on. When someone say they love clothes, they're usually glammed up and they're, you know, they got something going on that. Sorry, I'm not that special with the T-shirt. No, it's not a sick-ass. It's just more a little, you know, wrist slitty than anything. So it's just not usually what I kind of go with that. We'll see if that's where your money goes. goes. I guess if you're just buying graphics tea all day. Yeah. So shopping, a lot of drunk shopping, get a little sippies. Sippies. Sippies. Sippies. Uh-huh? Sippies.

Okay. And Sippies is drunk shopping. Yeah. Is what I'm putting together. Shopping. Okay. How often are we drunk shopping? What does it drunk shopping? look to you. I feel like I've toned it down, but I don't know. Like sometimes you just see something and you're like, I want it now. We might die tomorrow. I'm talking drunk shopping. Yeah. Huh? Oh, interesting. Okay. I mean, it's not that often, but I'll say usually the big purchases, the bad purchases are done. And what are they? What does that look like? What does that mean? I mean, I'm trying to get it. I'm trying to understand you. You have to kind of walk me through what you are. It means like using credit cards when I shouldn't, using a firm when I shouldn't, and just

buying whatever I want. Can we be honest? You sound fucking reasonable then. What the fuck is the problem? Listen, if I came in and I, you know, I had some kind of issue and I was like, this is my issue. I shouldn't do it. It's a problem. Then I wouldn't be struggling. You sound reasonable. What the, what the fuck are we talking about? I thought it was time that, you know, I had someone just, just kind of like, rip me a new one. What do you mean by that? I know what I should be doing, but I don't do it. Why? I don't want to.

I know what I should be doing, but I don't do it because I don't want to. Good. So let's see the end of the conversation. No. No. Well, if you don't want to do it, then what the fuck are we doing? It's just sometimes, like, it just feels better to buy it. I don't know.

It absolutely does. So what are we doing if you don't want to? I mean, I've been drinking less. That's for sure. Congratulations. What have you gone down to? From what? It used to be like

Probably like four days a week Now it's like just weekends Saturdays Okay so two days a week Yeah A lot better than four In my opinion Well I don't know what that looks like

Were you having a drink Or you're just getting completely blacked out No I would probably do like Three drinks max Okay which I mean you're a little thicker So you can maintain it right So it goes a little further

No yeah So I would say like three drinks max Weekends usually though Well, this isn't an alcoholic audit, so I don't really get it if I'm being honest. Yeah. Going too deep in that. Yeah. Like, no offense.

That's not what I'm here to talk about personally. I mean, certainly, if it's affecting your finances and you're saying you're getting sippies, that sounds like it's affecting your finances a little. And if we want to talk about that, that's fine. But again, I'm trying to get a baseline. Like, what the fuck are you saying? You're saying it's bad. I know what to do, but I don't want to do it.

So what am I doing here? Yeah. Are you drunk right now? No. It seems like it. No. I just kind of just want a roadmap to get this. Like, I have goals.

I want to buy a house. But you just said you don't want to do what's required. So what are you talking about? I guess I don't know what to do. No. You literally said you know what to do and what's the problem. You just don't want to do it. Yeah.

In the moment, it doesn't feel as bad. And then I'm looking back and I'm like, bro, I didn't even have the money to spend on that. And I still bought it. Why did you do it? Because in that moment I wanted to. Okay. And you're saying you're not willing to change that. So what are we talking about?

Well, like, in my opinion, I don't think my finances are that bad, considering that the bills are paid. Didn't you start the conversation with, I spend too much and I'm bad with finances? But the bills are paid. So it's not bad. You make no sense. You were saying just endless contradictory things.

You make no sense. I don't know, because this, This part of the conversation is where I try to learn what people are, where they are in their mentality of money, where they come from, what, you know, we learn about you. But I've gotten just two conflicting personalities. I don't know what you are. It's like the good, the little angel and the demon on the side. No, it's the singular. It's, I don't know what you are.

I don't know what's truthful and what's not. I'm being honest. I don't think I've lied about anything. My finances are bad. I know what's bad. I know what to do. I don't want to do it. Also, hey, you know what?

I think I'm doing pretty good. I'm making the bills paid. What the fuck are you talking about? You don't know. What the fuck are you talking about? Well, the bills are paid. So I feel like anything extra, I could spend it on like a shirt, shoes. Okay.

And that's why you're here. Here's the thing, because I know I make somewhat, I make decent money. And I don't know. And I don't know. And I don't know what to do with that money. And I feel like the more that I make. No, you literally told me you do know. what to do. You just don't want to. I know that I have to pay my bills. I know when my bills are due and the

bills are paid. No, you said you don't want to change your behavior. I want to. Okay. See, again, that conflicting information. That's the complete opposite of what you said. But I try to fight like that, that urge to not do it. You know what I mean? No, I don't. I don't know what you mean because that's ironic. How about you try to tell me what you mean? Can you give me some semblance of reality into you? Because right now, I don't fucking understand you. You need to be studied.

I think the thing is, bills are paid. I never really miss a payment. Okay. So. I never really miss a payment is kind of a qualifier for sometimes I miss a payment. Like on certain things.

Not like big bills. Like rent and like... So small bills is okay to miss the payments? I mean, sometimes, yeah. Not miss them completely. Just be late. And that's okay. As long as it's not affecting my credit.

Okay, so the credit's the big important thing for you. Yeah. Huge. What is even going on in your life? Nothing. Just working. What are your goals? What are your aspirations?

What the fuck are we talking? You have not been able to answer what are we talking about without contradicting yourself five times. I do not know what this conversation is. Well, like, what's your question? I feel like, your direct question. I just want to learn more about you, but you won't. What do you want to know? I feel like you're not really asking questions.

You're just yelling at me. I said, what's your question? going on in your life. I work and I live is so much more complicated than that. There's always more to these stories. Always. You cannot be the only person in the history of the show that does not have more going on.

Well, I'm working. I'm trying to get my finances right because my boyfriend and I want to buy a car. Sorry, buy a car. Your boyfriend and I want to buy a car. Not a car. I'm sorry. Very different. Yeah, we're looking at my home. Oh, oh. So, so. actual potential answer. Wow, that took 10 minutes to get to. I appreciate it.

Be more direct with your questions. I ask what's going on in life. What are your aspirations? I already asked what your aspirations were. You don't know. I just, I literally, just call me a tit. Yes. You're a tit. You're a gummy bear. Does that mean? You're a gummy bear. Yeah, what does that mean? What does that mean? Well, you just call me a tit. What does that mean? Oh, you're a tit. Exactly. Yeah. And you're a gummy bear. Interesting. Yes, that's my goal. I want to buy a home.

With your boyfriend? Yes. Only have you guys been dating? What are you laughing about? Because you look like a loo-boo-boo. Bro, you guys are twins. Anyways, yes, I want to buy a home with my boyfriend. We've been dating for a year.

One year. One year. Dating. Yeah. Why would you buy a house with someone you've been dating for one year? Where's the logic? Because it's not. not logic. Where's the logic? See, that's another question. Let's see if you're able to answer. The logic is there.

Great. I've asked what the logic is. Let's see if you are at the third attempt able to answer that question. What do you mean logic? Oh my good. What is your logic that makes it make sense to purchase with a boyfriend you've been dating for one year? Try to give any semblance of an answer. All right. All right. Tone it down. Dude, you're obnoxious. You're not just going to be yelling at me, okay? That's actually what the show is. So yes, I will. Okay, anyways, the logic is I'm very picky with my partners in general. So when I started dating this person, I was looking for a lifelong partner. I'm not just going to date just to date.

Well, what do you think dating is? There's the dating without the intent of trying to actually be together. Literally like boyfriend girlfriend. Yeah. What's the point of getting boyfriend girlfriend without that future intent? You're not dating to break up. So no. Well, like, dude, this is like hookup culture.

Well, hookup is hookup. That's not dating. That's not boyfriend girlfriend. No. There's a lot of people that aren't willing to just commit. And I needed that. Okay, regardless. Go on. All right.

So anyways, that's what it is. This part, this is somebody that I want to live my life with. So we want to buy a house. We both live, well, I live with my mom. He lives with his parents. That's why you're so immature. Okay. I understand.

I get it. Okay, she's been little precious baby. I am the favorite. I will say that. No. Yeah, who would have thought? How many siblings do you have? I have two.

And you're the favorite? Yeah. Why? Because I'm cool. Hot topic, sure. It's 2025. Okay. So you're trying to buy a house to someone you're not married with.

Are you guys going to be on the loan together? Yes. The plan is to go 50-50. Do you not see potential risks here without being married? I do. I do. When it comes to separation? But that's the thing.

That's also we're looking to get married. Not anytime soon. Well, then why don't you get married? Well, but you're looking to get married. a house soon, but not marriage? Wait, why not? Why not do that step first? I feel like we should be dating a little bit longer.

Sure, before you get a marriage and then a house. Yes, I agree. Why are you putting that house in there as this instant run to? You guys can run together. Shouldn't you test if you can live together before you get a house even? Shouldn't you at least test that element? I feel like if you're testing it, then you already know that it's not going to work. That doesn't make sense.

No, that doesn't make sense at all. I feel like it does. Why explain? Because if you're renting, then it's like, all right, obviously you're renting for a year. After the year, it's kind of just giving you a door to leave. No, it's renewing or getting another rental or getting a house. What are you talking about giving you a door to leave? What, are you that insecure in your relationship?

No. Then what door is there to leave? You sound insecure as fuck. I feel like when you're committed to a house, it's going to make it. It's committed to each other. It's not about being committed to. you a piece of property. You know how many people are dating, get a house together and then break up still?

Just because the lease ends. I don't think it harder. It makes it harder to break up. It might make it more messy, but... More messy, but that just means two people that are unhappy stay together. Because if you're going to break up, you're going to break up regardless. But if you're forcing yourself to stay together because of a house or a kid, you're just staying together hating each other.

I just don't see how that's so bad. Or you just don't want him to escape when he realizes who you are to live with. is what I'm hearing. Honestly, that's what I am hearing. No, no, not at all. I just don't see the point in renting, especially like it just feels like where you're throwing money away. Well, that's not necessarily. I mean, for what it's worth, renting right now is cheaper than getting a house. Let's be clear. Two, volatile housing market. You're in a boom city. That's a more volatile housing market. You could get a house. The housing prices could go down. For a little bit, I'm sure overall they will go up. Number three, all your money that goes into a mortgage, your first minimum five years is basically all interest.

You ain't seeing any equity gain in that house when it comes to the payments. It would have to be the housing market itself. Four, if you rent, you're not paying for repairs. You're not paying for a new roof. Yeah. You're not paying for all that. Well, the way I see it, my goal is to buy a house. His goal is to buy a house.

Why not buy a house together? Why not wait until we at least see if we're compatible together in a living situation? and then give us more time to save up because, okay, you're on this show. No offense. That means you're f***ed. I know. How are you even talking about buying a house

and splitting in 50-50? What is splitting in a 50-50? FHA? I don't know. Just basically like we're both going to be on the loan. We're both willing to pay the bills. What kind of loan? I haven't looked into it.

I'm trying to raise my credit. I'm trying to pay off my credit cards. I think right now it's like 630. So interesting enough, trying to pay off our credit card is spending $17,000. $569 in this last month and bringing in, you know, an average of $4,600.

Go ahead and please make that make sense. How is that trying to pay off our debt and raising our credit? Inform me on that. I'm not ignorant. I'm not educated. Please, inform me. Teach me.

I have a piggy bank. I have a piggy bank. I'm putting away my fives. What the fuck are you talking about? You spent $17,000 last month. $17,000? $17,000. Is that taking in like getting

Zeld like I split my rent payment so I get Zell to your mom yeah okay so total that came in let's include uh Zell was an extra 1,8005 cool okay you still spend 17,000 $17,000 oh here let me check oh 17,000 dollars no way how's that even possible how's that possible if I make $4,000 death so again how does that equate to pay enough credit cards and raise in our credit. How much do you have in this piggy bank? This $5 piggy bank. It's probably like $200.

I barely started saving. Oh, what a down payment for a house? While you have debt, why does that even make sense anyway? High interest, bad debt. Yes. Why would that make sense? You're not saving for a toy. You don't have one low interest or no interest or good debt.

Everything you have is high interest, bad debt. And that is $41,000. $103 with not an asset to your name. At 26. I know. Okay, she knows. I know. So it's another thing you know and then do nothing about.

The piggy bank, the point of the piggy bank is and it's out of my way, out of my face. I'm not spending it. It's $200. And regardless of not spending it. I'm not going to buy a house tomorrow. But you're talking about buying a house before marriage anyway. How long are you guys going to live at home? Because you said rent is not an option to rent together.

So it sounded like it was pretty damn near future. If I get my situated, I'm trying to look for a house next year. That's the goal. Okay. How long did the $200 take to save? Four months. But it's been saved. I'm not touching it.

It's out of my face. I'm going to save more. Not with your spending. Please tell me how you're saving a house. What are you saving? What amount are you saving for? What are you trying to do? What's the average house price in Phoenix?

Out there, what we're looking for is like, No, what's the average house? I think the average is probably $400,000. Close, $416. Cool. So, but you might be buying, you know, lower. That's average. Maybe you're looking $300.

Wonderful. What percentage are you putting down? I've had this just like $10,000 is what I'm trying to save. To have $10,000 going in. Well, and that's half. Because he's doing $10? No, he's going to do, we'll do five and five. So 10 together, 10 together.

Let's say you get $300,000. Okay. Yeah, that's 3%. So you're looking FHA. You're talking FHA. First time home buyer loan. Okay. Which in a market like Phoenix is risky as,

because again, it's a boom and bust town. Yeah, I've never, like, sat and really... You're not going to have an equity position in this house and then it's going to go down. And then if you're forced to sell it for whatever reason, you guys break up. Who would have thought might happen in a relationship where you guys didn't test if you were actually compatible

before we're getting a house together? Then you're going to be underwater. We literally just uploaded a video of a guy that was in a position just like yours. And they broke up and they're underwater and they can't sell their house. In a boom and bust town. Okay. Okay. I'm not thinking that far, I guess.

You're not thinking. Okay. I am thinking. I have goals. I'm trying to meet them. No, your tries $200 in four months. Okay. 200. So what is that?

That's 50 bucks a month. Great. You double it $100. You want to get it in a year? Very good. So you save $1,200 in a year. So we're a fifth or a fourth of the way total. We're a fourth of the way total to your $5,000 goal. And that's even if he brings $5,000 to the table, first of all. He's agreed to it. Let's see if he does it. What progress is he made?

Yeah. Yeah, that's an interesting answer to a question of what progress is he made. He has savings. He has savings. How much? I don't know. You don't know. You're trying to get into a house with someone that you are not married to and you think he has savings, but you do not know how much because you haven't had a financial conversation with him.

I've had slight conversations. I do know that he has. I've learned that he has $3,000 into debt. It's mainly like car debt. So we know what debt he has. Yeah. But not the savings when we're talking about savings. And he has like rainy day savings.

So I assume it's over $1,000. But I don't ask the exact number. So Phoenix, we have some options. One, shouldn't probably buy a house unless it's in a walkable condo type area that is under 1,500 square foot three-bed two bath. Well, this one... I thought I had my finances figured out until I realized I was paying $19 a month for a cloud storage app I haven't used since 2021. That is $228 a year for digital cobwebs. Today's sponsor, Rockaboney, helps you stop paying for stuff you don't use.

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If I had Rocket Money back when I started a financial audit, let's just say my ramen budget wouldn't have needed so much creativity. Take control of your finances today. go to rockamoney.com slash Caleb or click the link in the description below to get started for free. Let's get back to the episode. Alone is two bed, two bath, 1,200, 8 square feet. I'm going to show me and I can't look at it. Quiet.

That makes no sense. This one has a pool, three bed, two bath, 1,800 square feet. This one, meth den, 1,000 square feet, three bed two bed. Not the meth den. Listen, might be the only one you can afford. This one, four bed, bed, three bath, 2,100. square feet rounded. So what house are we picking?

What house are we choosing? Because you're going, you're virtually touring. Okay, here's the, here's the houses. What houses are you choosing? Just based off photos? Well, you're obviously buying a house to live in and not renting, so you're probably picking it visually a little bit. Okay, so this is the house you're buying.

Very good. Yeah. Wonderful. Four bed, three bath, 2,100 square feet. Yeah, that's $475,000. Beans, show me the price. You can't get that. You just straight up can't get that.

I know. Your minimum payment alone would be horrendous for you. What's your rent right now? Well, that's part of, first of it. What's your rent right now? It is 2,200, we'll say. We'll say, no, what is your rent right now? Yeah, it's 2200.

But you said you do half. Because they do, yeah. So I pay half. So your rent is 1,100. I don't know why he didn't just answer that, you fucking creature. First off, If I'm looking at houses, I'm going to be looking at the price. I'm not going to pick a $500,000 home.

I know I can't afford that. Okay. Mass 10,000 square feet, three bed, two bath. Yeah, that's 425,000. That's so ugly. So how are you going to even afford that? Okay, maybe we go the not great investment of the two bed, two bath, 1,228, a house that would be hard to sell in the future. 420,000.

420,000. Maybe you want the house to the pool, three bed two bath 1800 easily more easily resellable has had a price cut but still 470,000 I don't know where you pulled these because I'm seeing houses well I could tell you by looking at the top of the page I got you it's not below it's also by the way in the city that you're looking I see things that are 38390 and they don't look like that well I mean the math then is in it looks like close to downtown so that's why it's a bit more expensive and I wouldn't want to live there well I know but we picked the place that you want to live.

We pulled up some options. So you're looking at the... These are all not good options. I found a 310,000 place. Two bed, two bath, thousand square feet. Not great, little cute, going to be hard to resell if I'm being completely honest. And probably why this person is priced up by 10,000.

But that's 310,000. Okay, very good. So I have this house. And let me put it into the payment calculator for us to get... We're putting 10,000 down. which honestly, honestly, it's not going to be enough. And then you're going to need to bring money. There's going to be first time assistance potentially.

There's also closing costs. You need to take an account if you don't do that. Okay. So bring in property tax everything that is $2,453 a month that is more than doubling your payment. Now you're going to say, okay, but he'll split with me. It is still more than you have. And also, you're not taking an account roof. You're not taking an account flooring.

You're not taking an account a refrigerator break. not taking account anything that comes with home ownership. And that's if you get a 6.38% rate, which I doubt you would probably be closer to 8 with your credit score, including his as well. So what you're saying is just need a bigger down payment. And that would bring it to $2,781 a month. What I'm saying is you cannot afford a house. What I'm saying is you should not get a house with someone that you do not know if you're

compatible living together. What I'm saying is you should not get a house with someone you're not married to. What I'm saying is you should not get on a loan with someone. you are not in a literal legal partnership with. I am saying a lot of things and all that is coming down to, this is a fat stack of paper, meaning you have a ton of debt and a lot of dump-stery. You spend beyond what you make on a monthly basis.

You're not even in the conversation of buying a home. This is a moronic way to begin the conversation and your goals make no sense. So let's get into these finances because this is going to take thousands of years. Oh my gosh. it's not that bad. Did you even know about PMI? No, I don't know what that is.

Okay, private mortgage insurance. So what you have there is when you're under 20%, you're going to have to pay a monthly payment into this insurance because you are too risky of a borrower. Yeah, I didn't know that. You can pay that off off front, usually a few thousand bucks. But I doubt you'd be able to since you're only bringing $5,000 to the down payment. I'm just getting bigger down payment.

But like I said, I want to. Remember, if you double your savings, you will be at $1,200 a year from now. On top of the 400 you have saved. Well done. Very smart. I will find a way. If you want to find a way to be on this show, go to calebhammer.com slash supply. We'll have you here in Austin, Texas.

It's a fun time. I want to know what you think your financial score is zero to ten, zero being the worst, 10 being the best. What do you think? That's probably a zero. Okay. First reasonable fucking thing you've said all conversation. Listen, get your score, figure out where you stand, take the assessment.

It is free at Calebhammer.com or dollarwise.com, whatever you prefer. And don't forget to sign up for the dollar wise budgeting app, ladies and gentlemen, take the free trial. Also sign up for the annual version if you want to save a lot of money and get our budget-friendly cookbook, signed by me, mail directly to you. You can sign up for the free trial, Dollarwise Central, all in one program that is a premium version and all of our educational products all bundled together for 80% off. Check it out, dollarwise.com.

Let's get into these because what the fuck are we doing? Oh, good! Yeah, let's just start here. Wanting to get a house saving money. Oh, we're saving. We're saving $200 in four months. She's pay advancing herself. Bro.

Got to help me like this. It is financial audit. Well, the thing is, I got stuck in that cycle, and now it's like just that vicious cycle that I can't get out of. Buddy, this is a cycle of what's your total due? They're all different. What's your total do? What do you think total means?

That means all the different ones. added together. It's about like 2,600, 2,700. Oh, that actually is difficult. Usually these pay advance people get into like

a couple hundred dollars. Yeah. There's multiple. $2,600 to pay advance that you're having a owe? Yes. That you're stuck in. Yes.

Oh. There's three. So one of them is a thousand, but obviously with after all the little fees and the tips. Man!

Fouron, every single time she borrows this $150, $100, $150, $100. She tips the company a thank you of $2, $2, $2. Why are you tipping them? Because- Why are you tipping them, you actual... If I'm being honest, I've noticed when you don't tip, they, like, lower your advance amount. But you should want the lower advance amount because you're stuck in this. But I'm stuck in it.

And how am I going to pay my bills? How am I going to pay my bills if I don't pay advance? They literally, my check gets eaten up by it. So then I have to borrow it again. Is it pre taken from your check? Yeah. So basically- You have it connected to your f***ing account.

You gave them access to your damn account in order to sign up for this earning program. Yes. You creature, that is like the worst thing you could possibly do. It's like taking out of a payday loan and giving them access to your bank account and they garnish it? Yeah.

Why would, why would you, Why'd you get into this? Because this is insane. This is insane. I know it's bad. I know it's bad. $2,400, you said? Honestly, closer to $26.

Okay, $2,600. Tell me, how'd you get into this? And how long did it take to get stuck in the cycle? I would say, like, officially stuck in the cycle for two years. It started in 2021, I lived on my own. Didn't get that much money. You lived on your own already, and you couldn't even survive that. you ended up in a pay advance cycle.

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This is a no-brainer. Dollarwise.com. Let's f*** go. You're losing me. I'm already lost. It just got vicious. You just start to borrow. Bonus isn't as juicy one month.

So then it can work better. You're in sales. It's all up to you. I know. I know it is. So that's honestly what I've been trying focus on but now I'm like looking at everything in paper and I'm like I think I need a second job. Okay. So in 2021 I had my own apartment and I would say 2021 is when the pay advances started. A full set. So you lived at home, you lived outside of home one time in your adult life and you immediately

f*** it all and you're telling me you want to get a mortgage where there's a lot less flexibility. You can't break that mortgage and move in with home. I want to go in with a plan. Older is nothing to me. Older is nothing. A magic switch doesn't flip at 25. Trying to be more mature about it. You're trying to be more mature, but I see, but I see your finances. You absolute, I see your finances.

You're trying to be mature is not more mature. In fact, one of your mature things is trying to get on a mortgage with someone you're not even married to and haven't lived with. You think that's mature? No, that is childlike behavior. I don't think it's that stupid. So how long did you live? How?

What? We've been through the conversation. Okay, yeah. I won't bring it back up, but I don't really think it's that. stupid that we're not married. Argue the point. It's time to refresh your yard during spring backyard days

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You absolute creature. What the fuck are you? You cannot disagree with what I'm saying and not be able to argue a point. I'd rather own a home than rent again. No, it's about getting on with him. Something you're not married to and haven't lived with. Like I said, I saw this person as a life partner. Yeah, we've only been dating a year, but I could see myself living with him.

If you were dating a year, but living with him. If you were feeding the year about living together for a year maybe I would talk about it and you know they would give a little more flexibility I'd still prefer marriage first but you guys haven't lived together

I just don't think it's that deep but you don't have an argument an actual like points you can bring up like what I talked about the risk to it oh my gosh I don't understand what you want me to argue I don't think it's a stupid choice that's the argument

so you take up from earning that's not yeah but you don't have a point behind it you have the thing headline, but nothing in it. Yeah. Well, look. Okay. So you're borrowing from earning every other day on average, it looks like. So,

15 days a month. Great. What's your minimum monthly payment? I know it's usually spread out to different days, right? Yes. Okay, but what just stacks up across the month? Because this is endless on the same month every time. Right. So of course, you got these lightning fees every time with six bucks. Yeah. So with

earning, it's like a thousand, 30, a thousand 60. A month? Yeah. Okay. 1,030,00060, we'll say 1,060. Depending on the tips. Okay. So that immediately takes a fourth of your income. Just about.

And you want to get on a, again, a mortgage. I mean, that blows my mind. You live with your parents right now. You pay rents. You split it with her? Yes. Would she cover it for a month if you struggled? I wouldn't do that.

I just, I can't. She'd be willing, but I wouldn't do that. Okay. That won't happen, though, if you're in a mortgage situation. No, that bank come and knocking. I know. but I have trust in the person that I'm buying it with. I'm going to call this guy in the post show.

Okay. I'm going to call him in the post show because I need to learn more about this from his side. This is crazy. Okay, so you lived alone for one year and did you, was it just one year and you moved back in? One year. One year and your entire life went to shit and you think going, again, this doesn't make sense. You're setting yourself up for failures. Like we can learn from the past about the future.

What does your boyfriend think about your financial situation? He knows it's bad. I guess he just, he isn't judging me. What does he think about it? I'm glad he knows it's bad. What does he think about it? You in answering questions. Dude, you don't really ask direct questions.

What does he think about it? I literally just said what does he think about it? You could have said that. That's an answer to the question, you actual creature. You're a gremlin too. No, but at least I can answer questions. At least I try to. And if I don't know why I say I don't know.

Yeah, I don't know. What does he think about it? He knows it's bad. That's a thought? That's not a thought. That's a knowledge. I don't know. what he thinks about it.

Okay. So he's never told you anything or gave you any advice? No. Okay. Lies, I know for a fact based on the conversations that you have had with the producers that he wants you to get a second job. He doesn't want me to get a second job. He advises that you get a second job. Yes, advice. He means he wants you to get a second job, by the way.

Liar. Why the fuck would you just not tell me that? Because it wasn't pressed. It's not like he's pressing me to get a second job. No, but that's his opinion. That's his opinion. I'm asking what to see think you should do. I had asked after like breaking down my finances, I was like, I think I'm going to need a second job. And he's like, yeah, babe, you might need a second job. Well, babe, you might need a second job. Why haven't you gotten a second job? Because my freaking schedule is your schedule.

What's the schedule? Tell me about it. It's 11 to 7 now. And then I work every other Saturday. And honestly, thinking about it, I'm like, where? Good. Work every Sunday. Where?

Fast food. I tried doing the Uber Eats. Uber Eats. It's a hit or miss depending. Phoenix might be a good city. Okay, maybe not done. Yeah. Maybe you're running the area, right area, right town.

But no, work an evening shift somewhere. Walmart, evening shift. You just have to curate your resume to make it look like you're not just going to leave when you get a job you'd prefer. I know. That's why people fail when they think they're not getting turned down for being overqualified. No, it's not being turned down for being overqualified. It looks like your resume is like, hey, I'm going to take this for a month and wait until I get a better job. So you just have to curate it to pretend like you actually want to work there and stay there.

And you could get an evening job. You can get a Sunday job. But are people really just scheduling you on Sunday? I don't believe that. Just Sunday, that one will be hard. Exactly. But you have evenings and mornings open. You've already told me.

I know. I just like, it's finding it. Honestly, it's finding it. I haven't looked. You haven't looked. Well, that you can't find what you don't look for. Because I really don't want to. I don't want to have to need a second job. Well, I already see a fourth of your income, literally going to earn an loan.

And it is the first piece of paper on a very large stack of documents. And you spend 14,000 when you bring in. About five. I don't know where you're getting the $17,000, but we're going to find out. Well, if we go through this, we'll find out. But listen, your earning counts, what you put towards it, would you spend on things, your rent counts? Now, of course, you had Zellin of 1805s, and we can talk about that and we can add that and say, okay, maybe she made like $6,000 total. Gotcha, $6,500.

Cool. Still spend $17, so it still doesn't make sense. Yeah, I don't know. The 17. Now, in the conversations you had with the producers, it wasn't, you didn't talk about how Uber Eats didn't work. And I'm glad you're saying that on camera now. Yeah, yeah, shake your head. Yeah, agree with me before I absolutely ruin your life.

No, anyways. I didn't mention it. First off, I did mention it. I did mention that I tried Uber Eats. I know, but the reason that you stopped isn't what you're saying on camera now to look better. In the pre-conversation interview, you thought it was beneath you. No. That's what you said.

I did not think it was beneath me. Okay. In quote, 100. $100 for four hours is not worth my time. That's $25 an hour. That was like the highest amount that I've ever. That's not worth my time. You think it is beneath you. All right.

Then it's beneath me. Then you're going to think everything is beneath you. You're going to make less at Walmart per hour. You're going to make less at McDonald's per hour. You're going to make less at whatever job we pick up per hour, most likely. No. It just goes back to I just don't want to have to have a second job. I don't want to need it.

Right now it's not working out. And I don't really care about what you want. if what do you want more to get to that future you desire or to just be lazy right now? Because that's what it's going to come to at the end. And he also didn't want to do Uber Eats Friday, Saturday nights when you can make some of the best money. I know.

I mean, that's on you, dude. You're not going to find sympathy for me. People make sacrifices in order to pay bills. That's what we do. Welcome to the world. I don't know. I just, I can't. After the week, I just don't want to.

Well, that's what. Wanting can't are very different. Last thing I want is to drive around for hours. Good, give up. Like I said, I haven't looked, so I don't know who would hire me with the hours that I work. We'll see how the budget looks at the end. Oh, there's more earn and earn, earn, earn, earn, and earn, 150 bucks at a time. It's crazy.

Oh, she also daves. Listen, the little cash advance things are actually, you can, you can finesse. It's not the worst as a concept. But it is people like you who cannot use a credit card, who cannot use, who cannot consolidate dead. There are things out there that are good. Decc consolidations. Zero percent credit cards. There are things that are good. This is one thing that could be good. But the vast majority cannot use it. And you're in the vast majority. So you're more pay advancing. I'm abusing it for sure. Apparently optional fees. Why are you paying optional fees? You're tipping again.

You're tipping 27 dollars. Also, they charge like a fee for like an express fee and like I need it immediately. Overdraft. You have an overdraft fee on here. I'm Dave. Yeah, an overdraft day fee. Yeah. I didn't know that. Well, now you do. Year to date, you've had three of them. And this is seven months into the year at these statements.

Yes. The time of these statements? So almost half the months you've overdrafted. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, Weibel is a little. offering up to a 3.5%

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Not with the way you were doing this. You didn't even know you're overdraft. You know you've overdrafted half the months this year so far. Yeah, I should have didn't know that. Withdrawing out resulting in overdraft $1,800. Only deposited $1,248 optional fee, $27. Overdraft fees $45 this last month. Owing a total of $624 by the end.

Yes. But of course, you owe more on a monthly basis because you borrow more throughout. So you're taking cash, taking $600, taking 600. What is like the average, the usual amount that you have to pay on this? It's usually $624 that I have to pay back. That doesn't pay off the whole thing, does it? Yeah, that's, I'm really confused about that over draft.

That's why I'm real confused about that. Go on, take a look. Well, okay, you did $600 there, $600 there, so twice in one month. Nope, three times, $600. Okay, so you owe $600. Yes. But multiple times. Because you just take $600, pay $600, pay $600.

But then you get fees, you get fees. The $24, yeah. That's why I was like they take the 624. Anytime I pay it all back, that's why they... I mean, your overdraft fee is likely because if you're optional express fee, meaning it pushed you over that $600 that you actually could. So you got double fee. That's what I'm at least reading into this.

Because it happened to... Oh, you had two overdraft fees. No. You had three overdraft... Because the overdraft fees on this are $15. So you had three that month alone. Three that month alone. $45?

You've had nine overdrafts. B's on Dave this year. Nine! I didn't know that. I really didn't know that part. No shit. You don't know fucking anything. If we're being honest.

But no, yeah, that one, I didn't even know they do overdraft. There's another overdraft fee there is. You had four last month, nine this year. I don't even know. What are you? Overdrafts. 624. That's what you certainly owe on it.

Yes. But then you immediately borrowed again because you need to. Now, what are you using Dave in earning for? Sucking up the check. So then I use that for bills. Yeah, but what are you putting that towards? Just bills? Usually, yeah, my car bill, insurance, rent.

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So, go on. Yeah, what are you seeing earning and Dave for? Some affirms. Paying back affirm. And what are you affirming? I affirm a lot. It's like target stuff. Close.

a purse, concert tickets. Oh my good. I mean, I'm being told just based on a story you told them you've borrowed money to go and get your nails and toes done. Yes. It's not for rent and bills. That is, oh, I'm on camera now.

Let me look a little bit better because I'm getting called on my shit. No. Fuck you. Then why do you do it? Because everyone does it. So shut up. Yes, it is. That is how this works.

Believe it or not, I've done this a couple times. Yes. No, it is not just for bills It is for bullshit Okay, there's been some petties Yeah, it was about 3,000 hours of bullshit You make 4,600 I know

I have nothing to say Because I don't know I didn't even know about the overdraft fees I don't know understand how it's $17,000 That I'm spending Because obviously I don't make that Well, okay, so is this I don't know what this is

It's a third one It's Money Lion No, this is a third cashed Fans? Yeah. Money Lion? Money Lion. Ah!

I know. That one's bad. That one is just a recent one. Oh, this one's bad. Guys, this one's bad. This one's probably the worst out of the three. What do you owe? This one is like,

it comes close to a thousand after all the fees. How is that worse than $2,600 on earning? Because this one is like more fees? More fees, yes. Okay, so $1,000 is that what you owe every month? It ranges from like $980 to $1,000. Okay, so you just have to pay it off and then you immediately borrow. Now, what are you using this for?

Remember the last time you got an earner of $100. What did you use that for? So, by the way, she takes an earning oftentimes twice a day. Oh, my, this is 35, 100, 700, 75, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 100, 500, 100, 50, 30, 20, 100, 100. Multiple times today. What the fuck are you immediately putting it towards? You can only get 100 in time and it has to pay fees on top of it.

So with Money Lion, if I don't take it all out in one day, they like lower the amount. And I need that. Why do you qualify to the... Well, what, okay, you need it? Why do you think you need it? How much do you... Hey, question. How much do you think you paid towards these cash...

Insta cash deposits last month. Just a loan? Yeah. How much you think you paid towards it alone? I'll say like, maybe like 4,800. Well, that's insane because that's more than you make, you f***reacher, but it was $3,859 and $81 across all your Insta cash payments. Now you have a lot more documents to talk about and a firm is next.

But in terms of the Instacash, yeah, yeah. Yes. Borderline, what is that? $3,859. and 81 cents by 4,600. Yeah, that is 84% of your income. Just an instapays and you're paid advancing. That's insane.

I know. I've never seen that. It is rare that I have a first time in the history of the show because money is not that diverse in terms of what you can do with it. You've made history. No. We're 50 minutes in and you've made history. I'm not proud of that.

doing okay because I pay my bills. Yeah, the bills are paid though. No, no, no, no, 80, 85% of it or whatever is just pay advancing. I told you in the beginning. It's a cycle that I'm stuck in. It's a vicious cycle that I'm stuck in. So that doesn't qualify to me as the bills are always paid. Yeah, I didn't know about that.

Because you're having to take more than you even can because you have to get the Insta, just to pay a bill. If we're getting Insta pays just to pay a bill, we don't get to brag about the bills are being paid. especially for over drafting on them. The bills are paid. Oh, you fucking animal. Shut the fuck.

It shouldn't really matter how it's getting paid. Actually, it really does. Why should it not matter? Because it's getting paid. But why shouldn't it matter? I would say it matters because it gets stuck in a cycle, because you have to pay fees for it, because you're required to tip or take a maximum amount

for them to not decrease what you can actually borrow. I'd say it matters because it is eating up 85% of your income. come. So those are reasons why I would say it matters. Now, can you give me one reason why it doesn't matter? Yeah, you're incapable of giving reasons for anything. No, I was just going to say because the bills are paid. They're not late. The big bills, rent, car, insurance. Oh, the big bills. So just not the bills, just specifically the big bills. Okay, I'm glad we're extra. We're pushing the goalpost on that one. Right. Okay, affirm. Arizona MVP fee? I used a firm for my tags. So your tags, you're affirming your tags.

Yes. $247. And I know you need to get your tags. That's fine. That's a little different. Target, probably some bullshit. Sephora, definitely bullshit. Oh, there's so much a firm.

This is ridiculous. The rest is probably bullshit. A lot of like, I think there's like Abercrombie. Coach. Ticket Master. Pobby and B.M. Bicks, tires, Alta. Listen, and the tires, okay, maybe. But Alta.

There's another. There's more. Oh, and then we get your tags and your Target and Sephora. It's almost all bullshit. And you owe two thousand, you owe on a firm $1,987. And a lot of these are paying $5.6. And they're even all just paying fours. Meaning you got interest.

That's for sure. No way you don't. Now, I know they come out at different times. But over the 1987, I'm going to assume if we, most are paying six, but there's some paying five. and fours and threes and two. So with remaining for what's worth, but I'm sure the moment one of the two months

payment is done, you go and use it on something else because I know you immediately repeat. You understand if I then take this and I divided it by, let's say, fours on average, you owe approximately $496. And 99 cents. With that alone, I mean, mix your earnings, your Davids, your money lines,

and then your firms, you do not have money left. Like, this is not making sense. I don't even know how you've saved $400, honestly. Well, because you've gone further into debt. I mean, you put your wants on a firm, which makes you feel like you have more for your needs so you can put money aside.

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to help you trade brilliantly. Learn more at Schwab.com slash trading. And if you're just barring from the bank and you're just borrowing from Dave and all this bullshit. I have to ask, do you borrow from boyfriend, mom? Do you borrow from any of them?

I do. Okay. Yes. And see, that's disgusting. You're going and getting these tickets in Airbnb's booking.com. Fuck you. Skims.

Fuck you. That makes no sense. If you're borrowing from your boyfriend and you're borrowing from your mother. How much, how often? My mom rarely. What's rarely to you? Like 150 maybe every two months.

But what we'll do is she'll just let me keep it to put it towards other bills, like the electric bill. Good. She's an enabler. Good. She's an enabler. And the boyfriend who. The boyfriend.

Why the fuck would he want to get on a mortgage with you knowing your behavior? I have no idea. But go on. He knows I'm trying to take the steps to like make it better. You're literally not. No, you're not. You're saying you're trying, but you don't put it in the action. You are not trying.

I never want to hear you use that word again. You're thinking about trying, but you have a. and try. Shut the fuck up. So go on. How much do you borrow from him? How often? Him probably same like 150 every two months. But I pay it back. So on average, you borrow $150 from someone a month. And I guess you borrowed it from some tires, but then you didn't actually use it to pay for a tire. Yeah. So on the way of... What did you use it for? Probably just bought more bullshit. Probably went out to eat. You're disgusting. You're disgusting. He gave you the money for the tires I'm being told.

Yes. You lied to your boyfriend. To this person we're trying to spend the rest of our life with the money that he gave you for something specific and you go and blow it on Sephora board. Dumbassery? Yes. You're a bad person.

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Pull them about it. Well, later you confessed. Yeah. That doesn't, what? Yeah, in that moment, though, yeah. What, if you go random dude and you confess it, that means it's okay? No. Going behind someone's back is still bad regardless.

Just because you confess, it doesn't expunge you. I know, but I did tell them. You know, then why did you use that as the justification or a way to get out of this pushback? You know? No, you don't. You don't know anything. In that moment, it didn't feel bad. Like, I didn't think it was bad. Okay. So maybe you're a psychopath. Possibly.

Definitely psychopathic tendencies. Average customer on a firm owes $736. You owe more than double the average person. Yeah, that's bad. It's really bad. The firm is crazy. Yeah, you almost owe three times. The thing about a firm is just so,

easy to use. No, that's the point. You actual creature. What the fuck do you think the point is? Oh, there's so much more. We got SPIMG up, Hachmart, more skins. Okay, Travis Scott. Travis Scott.

Yeah. Alta, more Alta, Target, more Sephora. This is so f***amoronic. Oh, good. And Klarna's next. Clorna's not that bad. Well, how much do you owe? I believe it's like 400.

500. That is bad, though. That is money that you owe. $400,500, you don't know? Okay, I'll say five. So I know it's certainly different than this. Listen, interest is growing like crazy. Like, borderline. It's insane because this is like 36, 37%. That is bad. It's not as bad compared to the other stuff.

It doesn't matter. It's stacking on top of it just because something else exists that as bad doesn't make this good. Are you stupid? $125 minimum payment. likely on these, if not more. Getting coached Sephora, dolls, kill, and Forever 21. The fuck dolls kill. It's a clothing website.

Clothes. Okay, you do love clothes, but yet you look like, so I'm so confused. This makes no sense. Wear a t-shirt. I understand how that's so rough. Can't wear a t-shirt? You can.

I would just expect someone that spends so much on clothing to look decent. Well, it wasn't going to come in, like, a ball gown. There's nothing in between that. That's interesting. Okay. Wow, we finally got to our first credit card. You are such a disaster. It took us this long to get to a credit card because you had worse stuff before it.

Yeah, that's bad. And I hope the boyfriend sees this. Is he going to see this? Yes. Good. Boyfriend, don't even consider getting on a loan with this woman, not even close. Bro. She needs to change her behavior for, one, pay off all her debt so that her credit score doesn't carry down, hold down what kind of loan you guys can get.

Two, marry her first. Three, live with her first. Four, then she needs to put in behavior after she pays off the death for at least six months proving that she's at least managing her money correctly and able to budget. Do not even consider this for multiple years. Jeez.

Buddy, there's no way you're going to be able to get to your $5,000 anyway. Like, what are you talking about? Jeez. Think of America. Get in a house. Shut the fuck. How long do you think this is? takes to pay just doing minimum

monthly payments only without making any purchases, which by the way, oh, you purchased because you're incapable of not purchasing. But how long do you think that would take? Like 20 years? Okay. 16. Okay. But on your pattern, probably about 30, 40. On the way you spend on it.

Because you paid 126. Minimuthy payment at that time. Wonderful. Then you purchased $100. $20.000 of interest accrued so the balance went up and you already started already above the limit. And then you went even higher. You were such an actual dumb piece of

with your money. With your money. With your money. With your money. And getting into this relationship in a really weird way. $129 minimum monthly payment with a balance owed on here

$4,072. And $23. This year alone, you've paid $526,000 interest on this. Add everything off together in the fees. I'm not,

I wouldn't be surprised if you haven't paid like $2,000 hours in total so far on everything we've talked about in fees and bullshit drafts. You're going in and getting some BS. Getting some BS and doing an Uber trip. Yes. At 26.24% interest rate.

What's up with this card in your mind, in your world? Because again, you started above the limit and you went even further above the limit. That card was only opened up because I had done a balance transfer from a Discover card. And then of course, just bullshit.

spending on top of it. So that's how that credit card. The thought was I was going to pay it off because they gave me 18 months, zero interest. So I did the balance transfer and then I never paid it off. Tails all the time. Why do we keep doing it?

Why do we keep doing it? How many times have you balanced transferred or consolidated or taken out a personal loan to pay off something? Just that one time. Just one time good, never do it again. You're incapable of managing it in any way whatsoever. incapable of managing it in any way whatsoever.

You do not get to take advantage of good tools that can fuck you if you cannot manage it. And you have proven in every way possible that you cannot manage it. Another Bank of America. You're even over on this one by 63 cents, but you're still over. And this one's actually, this one's actually crazy, dude. This one's crazy. Yeah. This one is at $7,700.

and $63. $24 years to pay this one off. You'll be in your 50s. You'll be in your 50s by the time this is paid off if you don't purchase. And, oh, we purchased. Yeah. What's going on with this card?

I'm just to just keep it straight up. I don't know. I was just buying. That was one of my first, like, credit cards that you could spend anywhere. And I was just buying stuff. Just buying. Honestly.

I believe I bought a laptop on that one. When? That was, like, back in 2020. So I've just, It shouldn't matter as much. So I've just been carrying it. How long has it been maxed out? How long have these last two cards been maxed out?

I would say a year. But that doesn't make any sense because you moved in for cheaper rent with your mom. Why does it get an even worse? 2021, you lived on your own. 2022, you moved back in. Why the fuck is it getting worse in 2024 to 2025? It doesn't make any sense. It goes against everything you suggested before.

A potential answer would be, you know, nice. I'm looking for it. I'm looking for it. I'm looking for it. I would say just more money, more problems. Maybe. Worse habits. Okay, so you're suggesting you have lifestyle inflated yourself?

You haven't with a living situation, though. You split it with your mom. So you've bullshit inflated yourself. I just bought a lot of don't. Okay, we've already heard that. Oh my gosh, okay. Well, yeah, I bought furniture for apartment back in 2021. Okay.

And you're holding that on this credit card? And then I think on top of that, the laptop, That was like $800. They increased it. Or does your mom use it? We only use the table, like the kitchen table. Where's the rest of the furniture? Threw it out.

You threw it out? How much did you spend on furniture? That was like 2000. Why didn't you try to recoup anything? Maybe even just $500. An extra $500 to go to a card would have been good. At that point, I think one of the, like the backs were like broken. So I just threw out.

Roommate? Or did you move out on your own and have to get all of it yourself? Yes. I lived with my cousin. So you kind of fucked over your cousin too, probably, if you're going to afford your shit, right? No, we were really good. The whole point that I knew I was going to, when the rent went up, that's why we moved back with my mom, because I knew I wasn't going to be able to afford it, and I wasn't going to effort like that.

But, no, I put everything on my credit card. There's probably more bills, Costco runs, food. They ended up raising my... We all have that dream trip. We've been wishing we could go on. But too often life or usually price gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60% off hotels and up to 50% off flights,

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My limit, yes. They increased my limit and that's when I started buying more dumb. Gosh. Yeah. You're not a credit card person. You can't be trusted with credit cards. You cannot have a credit card. I'll gift you the Fizz card.

It's a debit card that builds credit. We'll get you with that. We'll also get you a course career certification, help you get into maybe some raises or a potential better job or a second job. So we'll get you set up with those, okay? But you are not a credit card person. You cannot be trusted to manage credit card debt.

You do the transfer. It gets fucked. They raise the limit. You just spend to the cap. It allows you to just spend more money. You see a limit on a credit card. You say, I can go spend all of that. Yes.

I'm like, I'm going to spend that money. It's like, it's just tempting. No, but everything's tempting. Yeah. Everything's tempting. Doesn't mean we go do it. That doesn't make any sense. There's so much tempting.

that we don't do. But it's there to use, so I use it. What is pushing you over the edge to all these spendings? How are you shopping for things? What are you doing? I need to know a little more in your life how this looks. How does your shopping look? So before I had deleted my Instagram, so I would be on Instagram and it's just like easy

to look at things. And I'm like, oh, well, I have this much left on a credit card. I can use the credit card to buy it. People posting the things they're wearing and stuff and you're like, let me get that. Well, like kind of. Not like influencers. more like I follow the brands. So they'll release like a new shirt or something.

And I'm like, oh, I can affirm this. I can use my credit card. Would you delete Instagram? Yeah, I had to. Why did you delete Instagram? Because it was getting expensive. Nope, it's because you were stocking your boyfriend. That too.

I did it. See how I led that? That could be toxic. Why the fuck are you incapable of answering questions truthfully? Like, you are not a reliable narrator. If I did not have the answer to the question that I knew you were going to answer incorrectly because of your pre-interview questions. I wouldn't know what to ask you.

I wouldn't know what to believe. I would just believe you and you'd walk away with nothing beneficial because you're a fucking liar. You're a scumbag. I'm not lying. You can't answer questions and when you do their lies. It's still the truth. I use it to see.

You were stalking your boyfriend and what he was liking and messaging and whatnot and who he was following. It was mainly the following. Tell me more about that. This person that you're going to be moving in with. and getting on a mortgage with. So yes, it is important. Tell me more about it.

No, I would just see, like, there's a new following, and I'm like, oh, no, it's usually a girl. Whoa. And I would just get mad. Why? Yeah, exactly. I didn't like that. So that's why I was like, let me get off Instagram.

I don't know. Why is it bad? In my opinion, I wouldn't do that. I wouldn't go follow some dude. What? What if it is a random dude? Not an influencer has nothing going on. Not an interesting post in a hobby that he's interested in.

No, that's why. That's what I was like, these are just like mutuals. Why, like, why? So they're mutuals. They're like mutual. That makes sense to follow. Not like friends, though. Just, that's what I'm saying.

People in Arizona that you were just following them. And I was just, it was just irritating because I would, I guess I wouldn't do that. What was this relationship with them, if anything? What does he know about them? Are they interested in similar things? Are they in a community together? Do they co-work? Do they know each other from school before?

You know, what is it? School? Yeah. Okay, then what's wrong with that? Because this isn't just a rando that he's trying to get into the DMs then. Because they do have that connection. What is wrong with that? Are you saying I can't, because I have a girlfriend, I can't follow Lindsay's Instagram?

No. Well, see, you guys work together. Okay, I can't follow someone. I can't follow someone I went to high school or college with. I just don't see why. Why? Because it's fun to see what people do in their life. It's fun to see where people go, what people accomplish and what people are failures.

Well, see, that's why I'm off Instagram because I just couldn't. No, because you're a freaky creeper. Creeper. Yes, you were stalking every follow he was doing. What do you think you would be? He shouldn't be with you. It made me toxic, so that's why I stopped. Well, you're a toxic, you're a liar, you creep everything he does.

You want to force him, let's be honest in how she set up this conversation. Let's read into it. I know y'all got ideas and big ones too. And maybe it's a short film, a YouTube explainer, a fake ad for an hilly and run coffee shop, whatever it is, the vision is there. But the execution, that's where things usually fall apart. Editing timelines, voiceovers,

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if anything is wrong. Because she said if the lease ends, it is an easy out. Yes. You are trying to trap this man and you lie to him endslessly. And they're telling me that you lie to him about money. I do. Well, the main thing was like, yeah. Well, we had that purchase that you hid behind his back that he gave you money.

You're controlling you're a liar and manipulator, a gas lighter, a stalker. You're a bad person and you're probably a psychopath. I can be psycho. No, a psychopath from a litigal clinical. way, not caring about the emotions of other people. I don't think you're licensed to say that, though. I'm not, but I'm at least, I'm on my show where I can give my own damn opinion. And I wouldn't be surprised.

Don't need to be licensed to call you a piece of. And you certainly are. And you're trying to trap this man. If that's what it looks like, then I guess I'm trying to trap. No, that's what you've set up with your own language. You specifically said it would be an easy out when Elise ends. It is. It isn't easy out. So you want to get into a mortgage with him.

To trap him. Like I said, we both have a goal to buy a house. Why not buy it together? But if you're going to, no, no, no, no, no, because I'm not bringing up that plan. I'm bringing up the easy out. If you have no intention to leave him, then you have an easy out wouldn't matter. So clearly the only easy out you're worried about is his easy out. Yeah.

So you're trying to trap him into a mortgage. It's just the way you're wording it. No, this is based on what she said? Is this not based on, I'm getting some nods? Yes. This is based on what you said. you're bad in relationships, aren't you? You get a little too intense.

I can be intense, yeah. I'm a little more clingy. Yes, you're clingy. But honestly, you're, you take it to the next level. You're a bit stalkerish. You clearly shown it online. Oh, come on. Stalker's a little intense.

If you had fine, my of him, you'd be obsessively checking it. I know for a fact. Come on, what are we doing here? You're not even willing to wait for marriage to protect yourself because you're so afraid of him leaving. You have a fear of him leaving. You have a fear of him leaving? I do.

Be honest. I do have a fear of him leaving. There we go. It is adding up. Come on. You cannot deny this. But at the end of the day, it's not about that. It's not wanting to lock him in.

I don't have a fear of my girlfriend. I don't have a fear. No, I don't have a fear of my girlfriend. No, no, no. You're making it harder for him to leave though because that's what you specifically said. You told me earlier in this conversation within the first 30 minutes. It is harder to leave a relationship if we're on a mortgage together. So shut the fuck up.

You cannot backtrack that now. I'm not afraid of my girlfriend. friend leaving because I feel secure in my relationship because we love each other. I don't need that endless information and I don't need to stalk who she's following and I don't need to see her on Find My we don't even have each other on Find My and I don't need to force her onto alone with me because I'm secure in my relationship. You're an insecure weirdo. Yes?

Insecure yes. Weirdo, I don't know. Oh, come on. Your behavior is ridiculous. us. So on here, you went in and got some bullshit. A thousand dollars of interest to grow on this card alone this year.

166 in interest this last month, 25.24% interest. That brings us to maybe like $4,000 in total that you have lost this year. You have lost nearly a month's worth of income and interest alone so far and we haven't even gotten through all your debt. Discover what's going on with this card?

I did the balance transfer and then I bought more stuff. It's literally just like buying it and then just keeping it. Wait. And then just pain. Okay, so this is the one that you balance transferred from. So here it is, ladies gentlemen.

Textbook example, as always, if you do not change your behavior before a consolidation, before paying off with a personal loan before a balance transfer, you fuck yourself because she builds it right back up with probably bullshit.

We're being honest. I mean, that's what you've self-confessed this entire conversation. It's definitely bullshit. Yeah, this is bullshit, bullshit, bullshit. 10 years to pay. this off. Now you have double the debt. And that's what happens when you consolidate or balance transfer. You just... Your self. And that is all you've done. Interest, just that month, $53.

Well, okay. Your balance, which I didn't get, is $2,4.33.54. Minimum monthly payment, $74. Total interest is your $314.14. So at that, now we're at like $4,300. just losing everything just for the sake of spending on bull-shund. Then you're double spending. Macy's. You have a fucking Macy's card in 2025. Dude, yeah. That was my first credit card ever.

Macy's. Yes. Okay. I like to get like Christmas gifts with Macy's. Macy's. Yeah. They have good stuff. They have like fragrances.

They have jewelry. Macy's. Macy's. Yes, Macy's. We're 90s mall shopping. While we're spending on it, no one shocked. Uh-oh. She's at $2,507.90.

The minimum monthly payment of $89.6. I hope you're able to reflect on your behavior and relationship in the way that you are manipulating this man, gaslighting this man, lying to this man, and trying to trap this man. I don't think you fully see it. I hope you watch this back. whether or not he sees it and calls you all

and I hope he does and I hope he potentially runs or gets you corrected. But hopefully corrected before runs, but even still, I hope you're able to reflect on this because you're a bad person to be with. Well, yeah, I wouldn't want. To be with yourself?

Well, yeah. That's also why I don't want us to get married yet because I see all this and I don't. You want to get on a mortgage. Well, yeah, dude. Why do you think that's so insignificant? You think you're able to just walk away from that? You're locking yourself in for 30 years, dude.

I know, but... Without an equity position. Plus a minimum payment that neither of you could possibly afford on your own with your debt situations. So, Macy's, why are you still spending on it? 13 years to pay off minimum payments only without doing any purchases. And we know she's incapable of that, especially when it comes to Christmas. Yeah, it's usually a Christmas, but what I did spend, I want to say I got like Clinique or something, some face wash. What fucking is that?

Facewash. But we don't even know if it's working. You're so caked up. Kylie Cosmetics, Clinique. treatment in Kylie cosmetics. Lips. Yes. Lipstick. It's not even an upper lift to put it on.

Bro. $369 in interest this year so far. You kind of got the Tom Holland, though. Damn, bro. You're just coming from my lips? Yeah. She's so rough. Yeah.

You're still a boo-boo. Little gremlin. Grimel. I accept it. Grimel. So now we're talking 4,000, just about 4,000, 6,000. $650.

An interest alone this year. That is a full month of your income gone. In interest this year. Boyfriend, you're seeing this? Sake. That's high. Fick sake. Oh my gosh, we continue.

Okay, we continue. What is this? Victoria's Secret. Okay. What's going on with this card, lady? Oh, you're maxed out. Just like every other card. What's going on?

That one's not maxed out. It's maxed out. You're right. It's $20 away. Shut the fuck up. It's maxed out. Anyways, that same kind of vibe. They started off. I bought like a few Victoria's Secret things, but then you can use that card anywhere. So then I use that card. The fee is not required. You signed up for it.

You can call to cancel it any time. This fee is not a requirement. It is a program that you are on and you have lost $56.85 this year. So far it is going to be $100 a single year. that is gone and taken from you that could go towards debt, including this debt, which would help pay it off in, you know, 10 months. Not the accountisher, BS.

Well, not 10 months. I'm talking about what you lose in a year. But it would speed up the process dramatically. Why do you have it? What's the point? They just threw it on. No, they asked you if you wanted to sign up and you said, yes. Come on.

Yeah. Well, interest, 166. Now we're at like $3,000 or $4,800 for the year. 28.85 this last month and $56.85 of fees this year. Minimumance of payment, $40. And yes, maxed out,

she would have spent on it, but there's really not much to spend it on there. So good luck. 35.99% interest. What are we doing? You just have some of the worst interest rate ever. You came on here to break records. And man, we're getting in

in terms of how many documents we have. Look at this. Look at this. Why did you borrow $400 I don't know, it's 7.5%. What is this even for? That I used for rent, because I was going to be short on rent. This is a, a balance assist.

A loan agreement from Bank of America just to pay rent? What rent? Rent with your mom? Yes. That rent? So that you can go out and spend on Victoria's Secret and makeup and dumb $1. Which I guarantee you, by the way, we calculated your miscellaneous spending. And remember, we have more to go through.

You spent like $2,500, right? Is that what it was? Miscellaneous. $2,600, going out to eat, 500. And yet you had to borrow $400? No, you spent $500 going out to eat. $500 going out to eat and you're spending $400 to pay rent? You!

That is ridiculous. You are essentially paying 7.5% interest just to go to McDonald's or wherever you go out to eat. That is what you are doing when you should be in there putting the fries in the bag to make more money. When was this? That was, I want to say May or June, beginning of May. It just happened. What happened that month?

I don't know. I really don't know. I was just, I wasn't going to have the rent money. Well, you probably owe, I'm going to say about $200 left. You got payments of like $135. Yeah, they split it up in three payments. So I owe $135. Yeah, but then you just, all of a sudden now you have to pay the $135 this month and we don't have enough for rent.

So now we have to take on another loan just to. do it and you just go go go go go go. Oh my goodness she lied. Guys, she's a liar. She's an actual bad person that is impossible to take serious. This one wasn't for that.

I already know what's coming. Well, what? On the tattoo. The first time you took this out was for a hand tattoo. Show me. Okay. It's pointless. Yeah.

The first time you took this out. When was that then? 22. Okay. Yeah, that was a very first time I ever. But are you taking this out monthly then? No. No, so they don't allow you to take it.

You can take it out three times a year. Yes. And you do. I do. You've taken it out two times this year already and the year's only halfway over. What was the first time this year for? I think that was for a trip, like just to have extra cash on. Animal, you have no respect to the dollar.

You don't understand what debt is. You do not understand what interest is, what minimum fee payments are. With this debt, there's no way you can afford a car above $10,000. $1,000? What is this car? What is the car you have? A 2021 Honda Accord. That...

How is the condition in miles? The miles are at like 4,200. Okay, not the worst. Condition? Pretty good. Okay, $12,229 and $38. Minimum monthly payment, $514.82.

Still 25 payments. Wait, they caught you in another lie. What's the other lie? I'm not understanding. Wait, how many miles did you say it was on it? Like, 42, 43? It's under 50 for sure. I think you may have just misspoke when you said 4200.

Yeah, it's 42,000. Sorry, yeah, 42,000. Sorry, it's under 50,000. I'll give you credit for that one. I think that was just a mispeak. That was, yeah. Okay, what do you think the car is worth? I want to say when I saw it, maybe 18,000.

Trade in is about 19,773. So you actually have an equity position in this car. And in fact, what I would do is actually, uh, yeah, trade it in. I wouldn't because of the interest. Okay, she's not willing to do anything. No, that I feel like it's a good want and a good need. No, because here's the thing. You actual, uh, hear me out, hear me out.

The thing is, you know, what's a better interest rate than whatever interest rate this is? Zero. And if you trade this in, we save up a couple thousand hours instead of getting a house, which is the most dumb thing. You can get a 10,000 hour car and cash. And it would be a good car. That's what my Jeep Cherokee was worth. I just gave it to my brother.

but that's what it was approximately worth. Great car. 2019 Jeep Cherokee, fantastic. Safe. Good, reliable. You know, battery issues here and there, but that's fine. That's like a couple hundred dollars fixed every few years.

No. Yes, because that takes, because that's a zero percent interest rate, but even more important, is that brings you this $514. Minimity payment, which, by the way, you cannot afford in all this stuff already done.

Your budget's already broken. That takes that 514 that you can funnel towards the debt. and pay off quicker. You can get a hundred a court in a few years when you're in a better position. You do not get the luxury of having whatever you want right now. You have to do this.

It is not an option. This is just financial sanity. I know. And if you're not willing to, if you're not willing to, this conversation's done, because you're not going to do anything. Because this is the easiest thing you could do.

This is free money. It's just the way of you. I was like the interest rate is good. But you're going to be at zero. But like how many like the car breaks down? No, no, no, no. What is that going to be like? The same thing with this car.

It just sounds scarier. If I'm being honest, it sounds scarier because I don't have like a rainy day fun. If something goes wrong with that car. What if something goes wrong with this car? It's under like warranty. Okay. So listen, even on a used car, you can purchase a warranty. I don't necessarily suggest so.

That's my fear. But if that's your big fear, there you go. I have a solution for you. Save up an extra couple thousand. And it gets you there. But listen, even at a low interest rate, we can use that when it comes to finessing versus paying it off early versus investing in the market.

That's ending in the conversation. Right now we're trying to get the minimumity payment off your plate so you can funnel this towards other debt. So you can knock down your debt. If you want to get to a house, this is one of the things that you can use to accelerate that progress. Okay, so next $1,255 in this checking account. It's definitely not the worst.

I'm okay with that being the balance. It's a decent safety balance. So much money went out though. So much money went out. Oh my gosh. Okay, yeah. It get all, all the money in.

It's earning, earn and earning, Dave, Dave, earn and earn, oh, money, money line, money line, money line, money line for days. This is insane.

This is insane. Those are just the incomings. And then out, 3 minute express, Instacash payment, Pure Heart Church, Society6.com,

Chipotle, Total Wine and More, Amazon, Klarna, Chick-fil-A door-dash. She's door-dashing right after making her client.

You're basically clarned DoorDash is what you're honestly doing. Dave membership. Apple, reoccurring, Uber, Amazon, affirm, affirm, affirm, affirm, affirm, affirm, affirm, a firm, affirm, affirm, affirm, affirm, affirm, Arizona debt of revenue?

Uh, yeah, paying back taxes. Oh, she has fucking, Gremlin pizzeria, Amazon, Arizona Department, blah, whatever. This is all bullshit. Just look at it. Guys, just look. Oh, my God. Just look.

Top-th on camera, take a look at this. It's just all bullshit, man. What a pointless life you're living. You're not accomplishing anything. You're not getting anywhere. And trying, you're trying to tell me you're trying to fix it? No, you're not. Shut the fuck up.

You don't know what trying to fix it even means. You've never tried in your life. Netflix, Starbucks, in and out Starbucks, getting some BS, BS, BS, Klarna Forever, 21. Starbucks, Disney Plus, Clarna Doll kills. Sonic. Hemplebone, Chipotle. BS.

What do you stop being in and getting into gas station every day? Usually it's like a Red Bull, a water, sioux. I embalch, you actual dumb. Tett. B.S. Dave. B.S. Klarna Airbnb. B.S. Apple Bills. Church. Buffalo Exchange. Insta cash repayment. Texas Roadhouse. Goodwill. Clarnia coach. Yes.

Oh, animal. In and out. Clarnia Coles. Chick-fil-A. B.S. Chick-fil-A. B.S. Waterburger, Wingstop, in and out. B.S. Subway, fourth wall.com. Isn't that just supporting, like, creators and stuff? Yeah. You can't even support yourself.

Shut the fuck. You can't, you are an animal. Apple, Amazon, Amazon, Amazon, affirm, affirm, affirm, affirm, affirm, affirm, affirm, affirm, affirm, affirm, affirm. What are you? You are, and then, hmm, planet fitness, AT&T, and T, earning, earning, earnin, earnin, earn and, earn, earn, earn, earn, earning, earning, carolief.com, Zell, Zell, Zell, earning, earning, earning, earning, earning, earning, earning, earning, earning, earnin, earnin, earnin, earnin.

This is a mess of a life. 34 cents in savings. Stellar, you're incredible. Maintenance fees just to have that savings, that's great. Life insurance? Yes. On who? On who?

Guaranteed to who? Like, who's the beneficiary? Yeah. My mom and my brother. Okay. I guess, but you're paying into it? Yeah. What's the point?

This doesn't make sense. That doesn't make sense for you in your life. I know. What's your monthly? On that one, it's 50 bucks. On that one, are there multiple? No, no, yeah, that's 50 bucks. Cald value is $891.

Open your phone. The fact is, it's not that I don't want to make a budget. I would make you a budget. I would. But I just added up your minimum fee payments and it's your entire income. So that's not taking an account. Rent, food, blah, blah, blah, blah, blah.

So it doesn't matter. The reality is, I mean, yeah, sign up for the budgeting now. Go through the educational programs, especially the budgeting program first and then the debt program. Go through all those. You need to go make more income. Or go through bankruptcy. But change your behavior first before you do or else you'll end up right back here, just like the credit card transfer, balance transfer. So there's those few options.

But at minimum, you need to get a second job. Get rid of the car and that car payment gives you a little big of a little bit of wiggle room but not after rent that all of a sudden you're down 500 there alone before we even talk about groceries so right now you need to go bring an extra 1,000, 2,000 hours a month or you need to let all this go to default your credit you're not even considering getting a house you're not considering getting in a house regardless good luck or change your behavior go through bankruptcy you're just so far in the hole that you got a you're going to go out the 60 70 80 hours a week to work just to even have this a chance because your debt minimum through payments alone with the cycle

you've gotten yourself in is your income That's before rent, food, anything else. So that's what I would recommend. You're going to have to take some extreme measures, and it's working your thoughts beyond what you think you're worth or whatever, that you're above or beneath. It is trying to ask your mom if your rent can be a little lower for a bit. That's not even what makes the difference here.

Change your behavior going through bankruptcy. But a house isn't even in the consideration for a minimum 10 years. Sorry. Hammer financial score. Join us in the post show. I'm going to call the boyfriend. I have a lot to tell him. Let me tell you.

Join that hammer a leap below, but let's get this hammer financial score. Okay, spending our budget overspend 0 out of 10. Debt, no collections, but as bad as you can get without. Actually, she owes tax money, which is how much? It's like 130. Zero out of 10. Emergency fund, nothing savings.

Zero out of 10 retirement. Life insurance is at least you try to do something. I'll give you a one-up. out of 10 there. Real estate 0.10. Hammer Financial Score rounded up to 0.5 out of 10. This conversation is going to put you to see. I already know us. So make sure you join Hammer Elite in the comments below and download the dollar-wise budgeting app and take your free trial today. I'll see in the post show.

Listen, I got to tell you, your relationship with this lady is deeply concerning to me. She confessed to me that she would rather get on a mortgage with you because she's afraid of you leaving and it would be harder for you to leave. She is literally trying to debt trap you. Glusive members content Click the link in the description or pin comment below and watch thousands of hours of extra

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