Financial Audit - Girl Math Final Boss

Episode Date: August 22, 2025

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I want to say roughly, f***. You spend $4,000 getting this up and running? I spent more than that. How much you do you spend then? How much? You're dead. But you have to spend money to make money in a business standpoint. I call it girl math.

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For free. Hi, my name is McKenzie. I'm 26 years old from Melbourne, Florida, and this is Financial Audit. Thanks for coming over from Florida. What do you do for living there? So I actually work a couple jobs. I work about four or five jobs. Like five hours a week at each or?

No. I wish. No, actually I work multiple jobs multiple days a week. So my main job is I work as a nail tech. But then I also work a part-time job at a burrito restaurant. I also doordash. I also pets it and then I donate plasma on the side. Okay.

So it's mostly all hustle except for the burrito place. Kind of. The other ones are kind of the self-hustle. When you're a nail tech, it's still building your own clientele, right? Yes. Are you? Okay. So, I mean, working those jobs. I mean, they're mostly just self-hustle jobs, which I thought we were going to say, okay, I'm working at McDonald's, I'm a receptionist, a nurse, and I do, like all these extra jobs. Mm-hmm. You know, I leave Chipotle to go to Wendy's for my next shift.

No. But these are just side hustle jobs. These are entrepreneurial. I mean, I still look at it as, I mean, it is. They are separate jobs. It's not what it's set up to be. choice, but I guess, yeah, currently. Well, how's that career working? Well, I'm still pretty new into it. How new has it been? If you're 26, how long have you been doing it? I'm in my second year, but I am in my first year of being in business on my own.

Okay. Why one year of not being in your business of your own? Did you immediately go to the business of your own? So I straight out of school, I started off in two salons. I was in one of the salons for a couple months. It didn't really work out very well. And then I stayed- Didn't work out very well. Why? Just didn't mesh very well with the owner. Go on. So she was actually one of my teachers in school. Offered, you know, we had talked about it, offered me a place in the salon and took it.

And I honestly really don't know. It just out. Oh, come on. No, I really don't. Out of nowhere. The one day we, my roommate and I actually worked there together. What happened? I'm not joking.

I was at a, I think it was like a Memorial Day party or whichever one is in like later in the year. I don't remember. But Labor Day. go on but we literally got a text message saying that she was not renewing our contracts for the month oh there we go okay so it wasn't you weren't meshing well it's maybe you were not a good employee or she had to scale back her business so she was going into a different direction so come on i mean that's an immediate immediate mislead of the conversation she still was an educator

at the school and i did my sister watch that school i don't know my teacher from high school has to hire me no high school no i am saying Okay, my teacher from college has to hire me to go work at that college. Like, what the fuck you're talking about? No, but my sister still went there. And so she was kind of running her mouth about how we were not. Like, she didn't like us, like working there and things we were saying, things were happening between us. I'm sorry to hear that, but no one is entitled to keep their job if their boss does not like them.

Sorry. Yeah. Her business. Yeah, but I mean, when you're bringing in business, I think it is a little bit different. Okay, clearly it wasn't enough, though. And she was able to do better with someone else. But if I'm able to sustain her business while she's working in another job, then it wouldn't be that. The money would win.

Clearly, you were not doing enough. Listen, and if you were, your business would be successful and you're working through your other job. So I would assume it's not. So tell me what's going on with this one year of nail tech. So I was in the other salon that I started out straight out of school. I was in a second salon also. And was there for about a year. It was great at first.

and then things just kind of started not aligning very well. Everybody was kind of going in their own different directions. Things just kind of started taking a turn for the worse in the salon. And so I was kind of already looking at other options. Why does it seem to be everything except for you, by the way? Why is it always things are going wrong somewhere else? Like, I'm immediately picking up on this. Why is it those who are like a victim and everything in life and nothing else is their fault

are the ones who usually end up in the worst position, I hate the people that come on the show. Oh, it's almost like it's a, it's like something. going on. It's like that mindset gets you nowhere. Who would have thought? I don't know. I'm trying my hardest. I do have glitter in my hair. Um, no. I'm, I mean, I'm, I'm, I mean, I, how's your business going this year? Your first year in business on your own, tell me. Um, so it's only been a couple months. Um, you told me it was a year of, well, this, this is, I'm in my first year of being in the business. Okay. So, let's happen these last two months then,

lady. I'm doing okay. What's okay? I mean, my books are not full. Can you tell me how much you made last month? Last month? Just your own nail tech business. What are you even doing it out of?

I do have a suite mate. We rent a business suite together that we operate out of. Right. So what did you make last month? I want to say roughly 500. It varies month to month. So it's kind of. 500.

varies month to month. It's been two months. Yeah. I mean, it's varied month to month since I started. It just is dependent on business. $500. Yeah. Okay. So in terms of your four jobs, I'm hardly considering that one of them. Okay. It's a hobby that brought in a little extra.

I'm trying to sell the age of career. There's a million nail text. I'm sorry. It is. It is. It is. It is. It is. can't make it, but come on, $500, $500 a month.

You were able to pull into your clients from your previous locations, your previous jobs. Only $500 worse, so clearly none. Yeah, but I mean, people don't get their nails done every day. I mean, they typically come in three to four weeks. And you clearly didn't. I'm trying. I'm trying.

Interesting. It's an interesting philosophy. I mean, what else am I supposed to do? You may go directly off the street. Go work for someone else and build up a larger clientele for over a course of a few years. offer a decent like commission pay. Yeah, you make $500. Yeah, but that's better than me going in and making a 30% commission.

30% commission with more clients. But it's not guaranteed because even some of the girls... How much a month are you making on average in the previous position? You were bringing in a lot of clients. You were just jerking yourself off. You're incredible for that business. I was the queen. I did all the nails.

I brought in all the ladies. I supported her business myself. Again, it just kind of varied on depending on... Go on average. Go on. Six to $800 a month. Okay, so no, you weren't actually a very good employee, I'll be honest. Okay, so it sounds like, no, this is not working.

You have to build this up longer, and now you're renting a suite. Okay, that $500 you brought in. Go ahead, then. What's your rent? So the way that me and my suite may have it worked out is she just... The full rent is $5.42 a month, sorry. Split between the two of us. And then she just takes a...

You brought in five. commissionable. Well, that's after she takes my commission to cover my part of the rent. Why instruction is so weird instead of just paying half the rent? Okay. I offered to do it that way. This was the way that she chose and said that it would be easiest to do as she just takes

a percentage. Well, it's not, but she might make more money out of us somehow if it gets overly convoluted and you both don't understand it. I think neither of us really have an understanding of it, but we're just kind of winging it and hoping for the best. Colton's telling me right now. I mean, just the salon you

had after the salon that you got fired. You had, you were kind of mentioning it. You had bad vibes. A quote from you in the conversations he had, bad vibes. So you just left. Yes and no. Yes and no. So, I mean, that's what you've told the producers. So yeah, let's go ahead backtrack down that we're on camera.

Let's do that. So, yes, I left, but I wasn't originally planning on leaving fully from them. I had originally told them that I was going to step down to one or two days a week. So what happened? I just wasn't loving it. It was a bad vibe. My sweet mate had made the decision on her own that she was going to kind of step out and do her own thing and offered me a place to do that with her. So I decided to take a leap of faith when I probably shouldn't have, but I did.

Oh, you jumped and now you can just hit the rocks at the bottom. Yeah. But I let them know that, hey, you know, I'm going to be dropping down to one or two days a week and, you know, just. to try and keep supporting you. Why didn't you? Because a couple hours later that day, they sent out a message saying that they were actually just going to close the salon.

So they gave us till April. That's weird. Yeah. Okay, so $500 a month that says that after equipment as well. Yes. I doubt it. Come on. Are you actually budgeting that?

There's no way you would be budgeting that properly if you're on the show. Most of my stuff was bought in bulk up front. So there's, I have minimal cost monthly. Are you not aggregating it month to month? Or are you just, are you running at net? month to month. So you have the boom big expense that covers the next few months, but you just counted against that month or are you counting it against the other months as you

use to support? No, it's just kind of a... How much of that cost? That big one-time cost. To start? Yes, because you're only two months in. So you did this, I guess, uh, two months ago, how much was that one-time cost? Several thousand dollars. Okay, I'm going to fucking die. That's wonderful. We have a really good entrepreneurial spirit in this country. And I love it. I love entrepreneurs. Let's... go out there and grind and do shit. But oh my goodness, so many people do this in such a stupid ass way. Listen, you didn't have a big supply of clientele that are able to come in

and make up for those who don't come weekly, monthly, daily, all that stuff. Okay, you didn't build up enough people. You only worked at a place for a year and you honestly weren't doing very well there. If we're being honest, you were fired. So great. And you immediately decide, yeah, let me get on this legal contract, to split a lease with someone for how long, by the way? It's a one-year lease.

Thank you, at least you have that. But even still one year you committed to it. I did. Better than most commercial, usually minimum three. But either way. And then you're like, well, let me go ahead and spend $2,000 that I certainly don't have. That has to be in this debt somewhere.

No way it's not to go ahead and get this up and running. Oh, good. That takes four months to pay off at a minimum. Meaning we only get to see money eight months of the year. And that's, I mean, honestly, how long will these supplies last? How many months of this rate? I mean, they'll last a good while. A good while is an interesting time frame.

I would love to dial that into a number. I mean a year. Okay. So eight months is to realize profit we're able to get from that. Now, I doubt you're setting any money aside for taxes. Of course. Great. So let's talk about burritos then.

First of all, actually, $500, how many hours are you working? For that $500? I have a standard of about eight hours set open for my books for that day, but I'm not always... No, no, no, no, no. Tell me how many hours you worked last month in order to bring in that $500. How many, how many hours you worked? So it's five days a week on average of about eight hours is what my books are open, but I don't have clients. Tell me how many hours you worked last month. Did you not understand the question I literally just asked? I just had to repeat it. I'm sorry.

How many hours in this previous month did you work? That brought in $500. Total, maybe $80. The fuck is wrong with you? I don't know. That's a guess. Okay, so you made $6.25 an hour. Mm-hmm.

Time to put the nails in the bag, girl. You're not the first person to tell me that. We're going and working a real job next. Okay? We're going and work in a real job. Okay. So let's talk about a real job. Burritos.

Uh-huh. How many hours a week are you working? Burritos. And what are you making with burritos? with burritos. So I work an average of about 20 hours a week, and then I make 15 an hour plus tips. So to be clear,

you make three times would you make, yeah, three times what you make in the nails for hourly, and you work just as many hours doing that. Cool. Why has it on your paycheck from burritos? Two weeks paycheck, if I work the full 20 hours. Why the fuck would you not be? If I'm out of town or if I have other things going on.

Why would you be out of town? Who the fuck are you? You have debt, you make no money. You're trying to build a business and it's failing. All of my family is out of town. That sucks. They should come in. You're trying to be an entrepreneur that requires sacrifice.

I do also try to do like local events and stuff like that. So if I have stuff like that on the weekends. What is the local event? Backscrashing with new nails. So like, you know, we just did one recently that was like a women's day event to try and. Women's day events. Yeah. So it was a bunch of local.

Local women, but local businesses as well. we try to do that to try and get the business out there and get names out there. Okay, that didn't work. Yeah. It's almost like that was a waste of time. Yeah. It's almost like probably half the businesses at the Women's Day event are nail techs. Actually, it was the only one.

Surprising. Yeah. And yet it still didn't work. So that's even bigger alarm bell. Yeah. Okay. So yes, what hits if you work your full 20 hours a week, which you about it to the do?

I think it's right around 500. So a thousand a month. Yeah. Oh, boy. Okay, then let's talk about what was it, DoorDash Uberie? It's one of those? Yeah. Which one?

DoorDash. Okay, DoorDash. Yes. How many hours are we doing with there? I'm sure it's variable, so give me average. It is. I'm actually just getting back into it because I had a whole debacle with my car situation. So the last several months I haven't.

been able to do that, but I did recently start doing that again. I tried to do it. I try to go at least like five, ten hours a week, usually just whenever I get off from working my restaurant. Why aren't you picking more hours up a burrito? Because I don't want to take away from my time at the salon. Well, you should because you make three times more money making burritos. Yeah. I'm trying, I'm hustling as hard as I can. I am, I guess I'm trying to grow boss a little too hard, but I. Girl boss a little too hard. Okay. Listen, I'll hustle with. I'm good with the hustle. Hustle's good.

You're achieving nothing and going backwards. There are all realistic conversations we need to be able to have with ourselves. I'm not saying don't do nail tech. I'm saying maybe do it for someone else for five years, build up a list of clientele that are obsessed with you. Then go off on your own. You rush this, you got fired from a job because you weren't very good at it and you're probably a brat to work with

and everything's everyone, someone else's fault. It's honestly kind of how you open this conversation before being completely honest. and then you left another job because I had bad vibes. So yes. I didn't work somewhere where I don't feel comfortable or like things don't feel comfortable. Not like not feel comfortable. Yeah, what are you not feeling comfortable?

It's just not like. It's not a pleasant environment to like work in. What was unpleasant? I just didn't like the way things that were run. Oh no. No. The boss ran a business the way they wanted to. It was not.

The way I wanted to. It just was. No, why aren't you doing exactly what I am demanding? No, I'm a victim. It was just poorly run in my opinion. Says the person who is a former employee. I mean, everybody who worked there is a former employee. True.

Okay. And maybe it was poorly run. But either way, what I am saying is you did not put enough time to build clientele before going off on your own. I am not against this. You did not put in the work. No. You say you're a permanent grinder?

Well, you did this in a very dumb way. You should have been grinding a more strategic way. Okay. And I get that. And I probably, you know, the math. on it between either going out on my own or going into another... Math is $6 an hour. I call it girl math.

I don't know. Math is not my strong suit. Isn't the argument usually make 80 cents on the dollar? Girl. Compared to what you're making there, you're making 33 cents on the dollar. Compared to the burrito. Yeah. I prefer burritos.

But everything's a right off also. Everything's a right off on what. You're not making money to pay taxes anyway. Yeah. What are you talking about write-off? Shut the fuck up, right off. What are you writing off? You don't even know what you're writing out.

All of my business expenses. What's a write-off? If you write-down on paper, that's a write-off? Anything that I spend that's pertainable to the business. Anything you spend, I guarantee you, you go ahead and you get food and say, this is pertainable to the business. Oh, what's a right-off?

If it's a lunch, me, if it's a business meeting over a meal, yeah. Which, oh, boy. Listen, you're probably not going to get audited because you don't make... No. No. But you wouldn't hold up under scrutiny. I promise you that.

Are you working with the CPA? No. I do my taxes myself. I found another one. Ding, ding, ding. You shut your mouth. Okay, so DoorDash, we're working in an average of, I think you said, 10 hours a week? Five, ten hours a week.

Great. What's that bringing in on average a month? I try to do it to a point where I bring in at least $100 a week, so I try to bring in an extra $400 a month. Okay. Now, $400 a month before gas. Right off. But before gas, though? Yeah.

Before Maine, it's okay. Because it's a right off doesn't mean the expense didn't exist, though. Yeah, but you have to spend money to make money. What does that mean to you? You have to spend money to make money. What does that mean to you? You have to put forth an initial investment or something in order to see a return on it. Uh, sure.

I mean, yeah, I mean, you can start a YouTube channel and that initial investment could be a phone camera. Yeah, that's fine. I'm not saying you're not spending gas, but if we're talking about the $400, you're like, well, it's a write-off. The gas is right. You still spent the money. If I'm sending gas on that, I'm already spending gas to drive to all of my other jobs. Yeah, you're spending more on DoorDash.

But either way, what I am saying is just because the write-off doesn't mean all of a sudden you keep that $400. Just, oh, boom. Okay, it doesn't exist. No, you still spent money. Right. That money does not exist anymore. So if we're calculating what you spent versus what you brought in from DoorDash, I'm going to say maybe $300 a month.

Yeah, I mean, like I said, I usually try to do minimum of $100. So if I know that I have to get gas. A week. Well, okay, yes, a week. My apologies. I'm going to say 300. Yeah. But if I know that I'm going to have to get gas, then I will.

What was your fourth job? I also pets it. Right. How many hours a week are you doing that? And why aren't we just committing to one or two? Okay. How many hours a week are we at pet sitting? It's variable.

It's not something that's super consistent to me. I mean, I maybe get one or two bookings a month every other month or so. So what can we even allocate to that? If you break it down. maybe $200 a month. Let's talk about student loans. I know it's something we all avoid talking about, but if your private stolen loans are crushing you,

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Break free from the high interest trap and get your finances under control once and for all. Okay, all of which except for burritos are contracted, and I guarantee you're not setting anything aside for taxes. It's not that you would honestly have to pay much in general, but yes, there are things that contracts have to pay for. Self-employment taxes got to take care of your own Social Security, all that good stuff. That comes out of the gate. I mean, I'm trying to get more like pets sitting clients, but a lot of the ones, a lot of the ones that I had died. That's what happens to animals, sadly. So, I mean, I can't, I can't just, they're not going to pay me to go sit with their ashes.

No, but other people get pets. No, I know. I mean, I'm on Rover and I do get word of mouth clients from people who I already do pets and four. Every other month you said. Yeah. It's not super lucrative. Okay. It's money. So even total, before we set anything aside, is 2,000 hours a month is what you literally make. You are not existing on $2,000 a month. That is impossible. I also donate plasma. Okay. Well, okay. Are you going to consider that one a job too? What do you make it a month on that? So it's $120 a week. So depending on how. the weeks in the month land. It's anywhere between 480 and 600. Let's call it 4. Well, let's call it 550. Okay. Okay.

So 2,550. Still, believe it or not, not enough money to really survive. Correct. That is $30,000 a year. Mm-hmm. Yeah, something's not working here and you're completely... Well, it's not me because I'm very clearly working. hustling, sorry.

Hmm? You just said all I do is side hustles. I don't have an actual job. If you were committing to one, dude, you could make any of these an actual job. Obviously, the nails I think is not working. I could commit to more hours at the burrito place, but I also don't, that's not,

my passion in life is not rolling burritos. My passion in life is you being able to pay your bills. I mean, yeah, I would love to be. I mean, I do pay my bills. My bills are paid. I pay my bills. My bills are paid. You spent $10,000.

$10,000 last month. Majority of it is probably write-offs. Are you broken? What the fuck are you talking about? I don't understand what you think is going on in this world. Money comes and goes and goes, and I'm trying to make it come more than it goes, but it only goes for you. Okay, Dave Ramsey. What?

You spent four times what you brought in. You spent four times what you brought in. What do you expect to happen with that? Where does that lead? I don't know. So why the fuck are you doing it? Listen, if you're making a small amount of money, you got to budget it more than anyone.

$30,000 is hardly enough to live on that's very, that's very low for a high cost of living area. So what the, how can you stretch that if you don't know where your damn money is going? I guarantee you, did not know you spent $10,000 less money? I did not. Uh-huh. So how the fuck do you not know?

I, why are you not budgeting? I, I, I'm trying. I just don't, I don't know how. I don't know how. I don't know how. Everything that I've tried as far as how people have told me to budget.

What have you tried? Well, at this point, I'm just trying to work my life away and consume all of the hours of the day with that because I'm not spending money. Tell me what you've tried budgeting. I've tried, you know, I've tried doing setting money aside, but I don't have a whole lot of money to set aside because my bills have become so consuming of everything that I make that it's just, it takes over everything. I don't really like this one I don't really know how to do a budget plan because everything I make goes to pay bills or for a business. You don't know where money goes. So how can you even say that? If you don't budget to figure out where money goes,

how the fuck can you even possibly say that? I mean, I tried rocket money for a little bit and that it just was so confusing me. What's your marketing around your nail tech? Social media. I've been out that you literally have no social media presence. Yeah, it's very small. But I'm working on it.

It's a new business. What the fuck is happening? Like social media, that's my game. Has no social media. media president. I mean, I can't pay for advertising. I can't afford that. So I'm trying to do a budget. You can't afford. The only thing you actually can afford, unfortunately, is going and getting a real job. What's your education? What's your background? What do you have? What can we do? Um, so I am dual licensed in Florida. So I'm licensed as, I can do nails and I'm licensed as an esthetician also.

Oh, great. Okay. So two things that make no money. Okay, wonderful. Great. That's fantastic. Me. Okay. So no college, right? Not a completed degree now. How long did you go? several years. For what? General education. I switched on and off.

I mean, so the credit hours still exists. So you could go to community college, hopefully get an associate's degree, try to get into the career. But that costs money. But listen, student loans might be worth it

if it dramatically increases your income. You make the bottom half of the income ladder substantially. Like, you were not in a good place. So is the dual household income, or is this just you? It's just me. Okay, then you're, I mean,

there's no other way. This is not a livable situation in Melbourne. And yet you are working. yourself to the bone. In a completely insufficient fashion, though. You're not going to be able to survive. Yeah. You're not going to be able to do this long term.

How much longer can you put this many hours a week into this work to make nothing? Not much. You know, it's pretty miserable. And you're stuck into this lease for a fucking year. Contractually, right? You signed it out of line? Yes. I bet you damn did.

So tell me what the fuck your plan was going to be. Please tell me what your plan was. I want to assess it. Wing it. Okay. No, no, no. That's, I mean, that's literally, I mean, it's, I'm flying by the seat of my pants. I don't, I don't have an actual plan.

I, I have no clue what I'm doing. And obviously that's very clear. But I am, I'm trying to figure it out. You're just, every day you just wander. You never think. You never think what you want to do. You have no plan whatsoever. You, listen, a lot of people on the show, yes, they're doing it wrong, but they at least have an idea of a plan, a concept of a plan, some would say.

I mean, I know where I want to. I would love, like, I have an idea of, like, the crowd and the clientele of people that I would love to get in with. Honestly, I would really like to work with drag queens, making nails for them. And then I really am trying to get into the younger crowd for nails because a lot of what I do, I, the lot of the people I service are older. Yeah, but that's the people that don't have as much money. The people that are old don't have the money. Not a lot of people. And that was, that was a big thing. How many drag queens are there? Oh, more than you think. Probably, but enough to sustain multiple clients a day.

definitely 3.65 days a year? I mean... How many drag queens do you personally know? Personally? One. Oh, ladies and gentlemen, this business is... It's a foot in the door. This is a thriving small business.

It's a... Remember when there's like a statistics that 95% of small businesses fail within the first year? This is what's considered in that statistic. But I'm not... The business is open. I haven't had to close.

I'm sustaining it. What's your rent? For the business... I cover three... Oh, or my household rent. $500. month. You're fucking lucky, but even that with your income is unfortunately bad. Yeah. $500 should be a blessing of a rent. But $2,500 before she has to pay any of the self-employment

stuff is still 20% of your income. And how long is that going to last when that rent's going to go up? When you're going to get out? Um, so I actually live in a house with two of my friends, so that rent is just kind of controlled by them. You're not going to say the landlord's going to raise rent? They own the house. Your friends own the house. You're beyond lucky. You're beyond lucky, man. You would not be able to do that if you were not being subsidized by your friends. Correct. I'd be homeless. What do you think your financial score is? Zero to ten? Zero being the worst. Ten being the... I literally just got to note that she does not like her friends that are subsidizing her. She doesn't like them. She actually dislikes her friends that are literally subsidizing her entire life.

This is great. This is how, what life are you living? Why do you not even like them? The people that are... It's not that I don't like them. I just don't love... Is she backtracking? I don't love the living I love them as people. I don't love the living situation. She's backtracking. She's on camera now, getting called out. She's backtracking. Oh, we love a mean girl that completely sh-

on the people that saved them by the back. I don't love the living situation. What's the living situation? You're getting subsidized living? It's... What's a living situation, lady? I just don't like living with them. Okay.

What is the main burn? A lot more than $500. Dude, you're broken. What kind of entitlement complex do you have? Why do you not like living with them? I just... Tell me! I just don't.

I don't do well with roommates. Why? Because you're a... No, because I like my personal space. Who the fuck doesn't? But everyone gets roommates. You are literally being blessed that they are not going to raise the rent? No, I know, and I appreciate that.

You appreciate it. You literally hate them, though. I have put myself in having to be in that situation. Oh, you're not working and not being an adult? I am working, first of all. Come on. Come on, you're doing hobbies. You're doing hobbies.

I'm not doing hobbies. Yes, your nail saline is a hobby. Every business starts somewhere. Your business has a started. Your business is a failure. My business is two months old. Exactly. That's starting.

And it should be zero months old because it is not working. Okay. Well, if it was zero months to bring in, you have no marketing abilities. You go to a woman thing and no one's even there that is marketing the same kind of products and you didn't even bring anyone in. You're a failure. Meeting one-bed rent in Melbourne, Florida, $1,310. Good the fuck. Good the fuck. And you hate them? You hate living with them? I don't hate them. Well, you dislike them. You don't even like them. It's specifically what

you told them. Uh-huh. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, or budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff.

Collaborated by experts with the lowest refund rate in the industry for a reason. Guess what? Just for the next two weeks, you can try it for free. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go. And you want to move away. from your clientele you already have.

I actually would like to move out of state. All right. Good the fuck. What do you think your score is? Zero being the worst, 10 being the best. Generously, one. Why would you even be generous to yourself

instead of realistic with yourself? That's what I would. Realistically zero. Yeah. If you want your financial score, take the assessment. It is free at Calebhammer.com or the link in the description below.

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mail directly to you, and sign up for Dollar Wise Central, the all-in-one program that is 80% off where you get all of our educational programs and the premium version of the budgeting app, dollarwise.com. All right, let's get into this first one. Walmart? Walmart? What? Walmart credit card? Is that what this is?

No, it's a, that is a 401k account from when I worked for Walmart. Did you just pull out of your 401K? I close the account. Best decade of compound growth in your entire life. Study and play. Come together on a Windows 11 PC. And for a limited time, college students get

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While supplies last, ends June 30th, turns at AKA.m.m.m.m. I had a good reason. Yeah, go ahead. Tell me. I had to buy a new car. Why didn't you borrow for it instead? Because I already had an outstanding auto loan on a vehicle that wasn't running, and because of my debt-to-income ratio, I was not eligible for another auto loan. Cool, even Uber and save for a while, go get a real job.

Instead of taking away your entire future. Uber, one way, we've looked, because I've been off. It's expensive for a bit. It's about $55 one way per. But you're throwing away your entire future. But if I'm working three, four jobs a day, or even if I'm working two jobs a day, that's a $150 to $200 round trip just for me to go to work. I don't bring in enough to justify that.

No, because you have to get another job. This is all leading up from your decisions. Listen, I am not saying you cannot get another car or making sacrifices to get it. But it is your choice that you are working jobs that is giving you no money. It is your choice. It's hard to get a job in that area. I mean, I tried. No, I did.

Before. I got... But you haven't marketed yourself very well because you have no experience that would relate to a real job. Even outside of my own business, even trying to get a job literally doing anything,

I'm not joking. I would come home and I would sit in my car in my driveway for hours on end. And I would put in, I'm not kidding, upwards of 100 job applications a day. Sitting in your car?

Yeah, in the driveway before I got in the house. Obviously you were not doing very well applying to these jobs if you're just sitting in your car. You're mass applying instead of curating a resume. If you didn't, not curate your resume, you are not getting a job interview in today's economy.

But if I'm just looking at a part-time job, then I didn't feel like I genuinely needed to curate a, if I'm applying to McDonald's, and I'm applying to like Burger King and talk about all those places. You have to curate a resume even on McDonald's. You know why? You know, fucking why? I'll tell you. Because if you're not curating it, that means your resume is likely for the jobs you want.

And if your resume getting submitted to McDonald's is for the jobs you fucking want, But if they're not asking for a resume. No, no, no, no, no, no, no, you little tit. Then they're just going to see that you are only accepting that job for a temporary period. And you will immediately leave when a job you want opens up. If your resume submitting to a service job is suggesting you're going to leave immediately to get a different job, then why the fuck would they hire you? But even when I was using a resume that had service experience on it, I still was getting no calls. I tried for months to get a new job.

I don't believe the way. I believe you tried. I do not believe the way that you actually curated it specifically for them. I evidently disagree with what you're saying. I mean, there was no service experience on there. It's not just service experience. It's the entirety of the resume, the skills that you're marketing on there. What you say your most recent thing is.

But even what I do, even as a nail tech, what I do, that translates over because it's all customer service base. It's not about that, lady. It shows that you are likely going to. try to get into nail tech again. So why would they hire you if you're only going to be there for a month? This is just simple strategy. How much did you pay for those fucking eyelashes? $1.25.

Okay. Thank goodness. And they look like it too. Thank you. Oh, my f***. Only the finest for you, my dear. What are you talking about? I don't know. Listen, 34 years until you're able to pull from these retirements, penalty free,

that $7,189.18 would have turned into following something like the S&P 500, $212, $403. Well, it wouldn't have done me any good that far down the line if I didn't have a car to sustain myself. But you not being able to get a car is by the choices you've led, by your inability to properly apply for other jobs, by you going into a career field that is honestly a little kind of overly competitive, overly saturated kind of bull. And you chose to do that instead of completing your college the way you were doing it with Gen Eds

and going into a field that would have made more sense. This is an endless amount of decisions that had led to the consequences where you were forced to pull from your 401K. And I have less sympathy on it because you, chose all those things that led you to that situation. I mean, I didn't necessarily choose to have to make that financial decision. I didn't want to- I did not listen to anything I just said.

Did you not want to have to do that? No, I did. You made the choices to go into a career field that is overly saturated and would not make that much money. But I didn't know how oversaturated was until I got into it. Are you fucking kidding me? No. You have the inability to use Google.

No, I do. But as an independent nail tech, I don't think you truly see how saturated the independent side of the business is outside of you know, the standard, go work for someone else. You made more money working for someone else. A standard a standard salon that you see on every street corner.

Those are terrible. Terrible what? The service. Then go be good service. I am. Brought in 600 hours a month working for another person. It's one of those things that people in my area are,

a lot of what I have in the area that I live is retired older folks. So for that. They have money. No, they don't, though. That's the problem. That's why I had a larger clientele at the previous salon that I was at because that was a budget-friendly salon. And while, yes, I've got, I'm not doing nails for $25.

Good. Then don't make money. Okay, I wouldn't make money. I wouldn't make money anyway because if I. Good. Then you've picked the wrong career field. If I am. Your turn, you make no money.

You have no ability to talk on this. Oh, I do, though, because it's my business. Your business is a failure. I think I can speak on this and I'm more qualified. How many other people helping you? It's me. I started just me. I didn't hire someone until six months in.

Okay, and that's fine. But how well were you doing up until you got more people on your team? $10,000 a month. Okay. Well, was that how soon after you started? Immediately, almost. There's no shot you said day one and you made $10,000. One month in.

Okay. I, but and that's my thing is I don't want to have to pull focus. I don't want to have to pull focus. I don't want to have to pull all of my attention away from the career and the business that I am building because this is something for me. From the hobby you want to do. It's not a hobby. It is.

You make no money. Career. There are people who make money from it, but you have to start. I'm two years in. Good. You should be working for someone else and building up a client list. But that's not what I want to do. So this leads me to having no sympathy when your car breaks down and you're no longer financially

able to go get another car. This was the choices you made for your hobby. Okay, but I have to have a car for any job. I have to be able to get to work. I agree. If you had a real job, you would have made more money and you could have saved up a fully for a full of a birthday. I'm still looking for a new job.

You're not applying correctly. We just went over this. If you're not willing to accept anything I said, then get the fuck off this show. Okay. The car situation is, it was something unavoidable. That is not something that I wanted to.

I'm not arguing against that. I'm saying you made the choices that led up to you having to pull from your 401K. The car breaking down unexpectedly. Okay, she's incapable of listening. She's an actual fucking moron and I'm going to move on. I'm sorry. Are you like actually stupid?

No. Are you incapable of hearing anything I just said? No. Yeah. No. Thank you. At least you admit it. I think you should slam him one more time.

I just don't understand how you are going to... No, I think your roommate's probably hate living with you, and I understand why your first boss fired you. We're the Hartford, with decades of experience ensuring millions of unique small businesses, when it comes to your small business insurance. Thank you. One size, absolutely, does not fit all. Get a quote or find an agent today at the Hartford.com.

small business. Everything's out of your control and there's no personal responsibility. There is a lot that is out of my control. But I do take responsibility for what is in my control. I haven't heard once. The car, how am I supposed to control the car? The decisions leading up to it, I never argued that the car wouldn't have just broken. It is the decisions leading up to it.

Your career choices. Your lack of staying at a job. Your inability to keep on without getting fired. I can keep plenty of jobs. Inability to curate your resumes. other jobs. Okay, that I will admit I'm not the greatest. I don't understand. Wow, one thing. She's willing to accept the one thing in her life. Okay. And what kind of car did you get by taking out from your 401k facing penalties and getting taxed at your income? He had federal taxed

withheld 20%. He only received the 5,700 from the 7,100 you brought in. Great. What had been worth a couple hundred thousand by the time you retired? Wonderful. What did you get? Um, it is a 2005 Volkswagen. Good. How much did I cost? 5,000. Good. Okay.

I accept. I would have rather, well, never mind. You can't because of you, you don't have the job. I was going to say I'd rather take out a 401k loan, but then that doesn't. So I looked into taking out a loan on it,

but the loan balance available for me was only $3,000. Yeah. And that wouldn't have, I wouldn't have had enough to, yeah, I wouldn't have had enough to pay for a job. You would have saved that money, and you would have been able to do it. I'm trying to make it a real job. Oh, you're not.

Yes, I am. That's why I'm putting so much into it because I, this is what I want to. You're putting in a ton of hours into your $6 an hour hobby. It will get better. No. It will. Says. Me.

How? Because I am going to manifest it. She's a moron. Say what you will. Let me guess. You're just using an investing app that doesn't invest in you. It is time to change that. Right now, we believe.

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Get a $100 cash bonus for a $2,000 deposit, plus a 2% cash back on all deposits, and a 30-day premium voucher and a 4% APY booster on any uninvested cash. It doesn't get better than this. So stop overpaying for a platform that gives you nothing back and make the switch to Weebel. Go to Weebel.com slash K slash Caleb or hit the QR code or the link below. Let's get back to the show. Kay, was there a loan on the other car that died? No.

So I have a personal acquaintance, actually, who loaned me the money to pay off the loan to the bank so that I can get rid of the car. Right. Right. Right. Well, I couldn't do anything. Remember when your debt to income something you couldn't borrow? That also would have been solved if he had a real job as well. Yeah.

Instead of your bull. You're right. Okay, city. What's going on with this card, lady? Reminder, $10,000 spent in the last month. That is majority used for my business expenses. City double cash? It's not even a business credit card.

Nope. Harder to separate. Business expenses, yeah, let's fucking find out. Everything's a business expense. That's not how that works. But also, there was no spending on here. So I don't know. It's because it's maxed out.

Oh, it's maxed out. Okay, great. So 4,000. $174.20 is owed on this. Dude, why do this to yourself? $153 is your minimum fee payment in 36 cents. $1.36 of interest occurred in the last month. How long does this take to pay off?

Do you make minimum monthly payments without any purchases? Which I assume when you have the ability to make a purchase on this, you will again. How long does this take to pay off? Probably a couple of years. Okay, 15. Okay. I mean, I have no words for that. I spent it.

I don't, I, I needed the stuff for the business. 41 years old. Yeah. For the business. You said you spent $2,000. There's $4,000. No, I said I spent several thousand dollars. How much was that one time cost?

Several thousand dollars. Okay. I'm going to fucking die. That's wonderful. Didn't we narrow it down to two? You spent $4,000 getting this up and running? I spent more than that, but it's just not all on that hard. How much did you spend then?

How much? I just couldn't give you. You an exact number. Give me the fucking best guess. Probably $6,000. Oh, you're, you're dead. You're dead. There's no fucking way.

You kidding me? That's an entire year. That takes a year and then you said you have to do it again because it only lasts a year. So you'll never make a profit. Well, okay. No, this is not a business officially. Officially lined down.

It's not a business. Bulk supply up front. So like, okay, for me to buy furniture and decor and everything to get the business. Furniture and decor? Do you want to go somewhere? for a service that is supposed to be relaxing and and all these things. And you go somewhere. It's just a white walled doctor's office.

No. You go and get a bucket of fucking paint lady. I did. It was $75. There you go. But I also had to get. No. Stuff.

I had to get decor for the walls. Great. Youth furniture in the wealthy area on Facebook marketplace. Some of it is used furniture. Some of it is not. 6,000 hours. Unacceptable. Unacceptable.

Unacceptable. Unacceptable. Unacceptable. Unacceptable. Unacceptable. Almost to buying used. in the area. Unacceptable.

No, you don't buy something you just can't afford. This is ridiculous. I mean, I afforded it somehow. You didn't. It's a crewy interest. Don't be a dumb. But so I had to buy.

Oh, okay. But, okay, but like, I won't have to buy furniture again. A lot of my... You will, though. You'll want to, you'll want to upgrade it. I'm sure.

I'm sure if I want it, but I'm... You know what's really interesting. You know, it's really interesting. This decked out place that needs to look cozy and stuff, uh, brings in 500 hours a month. So what an investment. What an incredible investor you are.

manage my money, please. I will. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. No, but like I won't have to buy a new nail desk.

I won't have to buy a new pedicure chair. I won't have to buy a new, you know, but like, okay, but like nail polishes, you only go through so much. And stuff like that, it's not. super expensive. Interested this year so far, $500. So this year so far, you already lost a month's worth of income. Add that on to the purchase that we're put on this car. This is a 13 month thing. 13 months of your income in order to get this up and running.

Okay. 29.99% interest rate. Good luck. Good luck. I just, I don't even know, man. What the fuck? What is what you wrong with her? Colton just told me the salon offered to sell her their tools, but she, said, I'd rather just get new. Because the cost that they were asking for used tools, like heavily used tools. They'd bargain them down if they were high.

I tried, but it was, it literally with it. Okay, but. How much would you do a save total? A dollar or two. Per item or the whole thing? I'm for, okay. First of all, I don't trust you. No.

For me to buy use tools that were not in, here's a direct quote from you. I have a direct quote from you that you bought all, all new nail polishes because the old salon stuff had, quote, Had bad energy, unquote. Nail polishes, no. Because the nail polishes were not up for sale. But as far as my tools and stuff like that, yes, I did buy new ones. But those are also something you have to...

Because, quote, had bad energy, unquote. Yeah, because I didn't want to bring any of that with me. What? I didn't like the energy in there. I didn't like the... Oh, shit. I wanted to... I wanted a clean slate.

I wanted a fresh start. And in my mind, if that meant spending a couple extra dollars... Never gonna make it. then it was worth it to me. No, it literally worth was not. No, don't use the word worth. It was worth it to me. No, it wasn't.

Personally, it was. Personally, fuck you. Well, I girl match the hell out of it, and it made sense to me in the moment. Okay, you're gonna make everyone hate women. You're gonna make everyone hate women if girl math immediately means. Do you think people don't already hate women?

It's 50% of the world. What are you talking about? Okay, well, majority of the world hates women anyway. Women hate. I love women. Big fan, personally. You're one of the few, I guess. Give me all of them. Clearly not all of them, because half of us like this. That's you. You just said girl math.

Like, I don't understand why? Why bring to your entire gender this negative connotation that you're unable to manage money? Why do that to yourself? Because that's how everybody else already looks at it. Women. No, you're setting it. I mean, yeah, you can look at it. I did the math and it was piss poor math and that's fine. And I'm sure someone's going to turn around and say, oh, well, that's just a girl math for you.

Financials are not my strong suit and I'm very aware of that. Obviously, but there's so much information out there. And yes, of course, we have a paid version that curates it all makes it much easier to go through and provides good educational services. And we give you that for free. We'll give you dollar-wise central for free. But either way out there, if you put in the extra work to organize it yourself and try to determine what's the best sources, you could have figured it out. But I have tried.

But you haven't been able to tell me what you've tried. Okay. So the best version of a quote unquote budget that I can tell you that I've done for myself is once a month I'll sit down and I'll go through and I'll write down my expenses either on paper. Expenses that have happened or up and coming expenses? No, like current, like all of my credit card debt, all of my monthly bills. so whatever I have to pay on a monthly basis. What's your intent with that? So you write it down and then you just leave it?

To just see. Okay, so what does that achieve? What does that achieve? I guess it just more so gives me an idea of what I'm, what is going to come out of my pocket this month for expenses that I cannot avoid. Own it all. Pay off your home, travel for life, drive a Ferrari. In celebration of the world premiere of the Monopoly,

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tell you what's a dumb budget. Going to a big beauty expo in Orlando where you bought your sweetmates ticket as well. You spent around $800 in total and called it a quote, a business promotion, unquote. I mean, it is a business expense. It is a write off. You don't have any money to write off. You already overspent everything you're going to make this year. Yeah.

You're not going to, all of a sudden, you think if you write off beyond zero, the government just gives you money? What do you think happens? No. So what is the point? What do you think happens here? I mean, you have to spend money to make money in a business standpoint. You do. The collapse of the American Empire.

What is going on with IHG? So that card is also pretty much maxed out. For what? I put most of my travel expenses on there. Why the fuck are you traveling? You make no money. You make no fucking money. Why are you traveling?

Who are you? No, $6,272.72. And $59. On here, yeah, maxed out. $205 minimum to pay. What the fuck is your travel? So, I mean, business trips. You don't think.

Your business is nothing. Your business is nothing. My business is not nothing. Your business is not. My business is not nothing. Objectively is nothing. It means something to me. I don't give a fuck.

You, that means nothing. That is a joke. Your business brings in $6,000 of your shot, though. Fuck up. That's a lemonade stand. Shut up. Ha ha. Mean something to me. Who gives a...

But that is also expenses for, um, like trips home to go see family. Where's family? Illinois. In Missouri. Then don't be in Florida. I don't know what to tell you. Okay, but financially, I can't leave Florida at this point. Financially, you can't stay in Florida.

Well, I, I am hoping within the next year to be able to move back home. To where? Where is back home specifically? Back home is Illinois, but I'm probably looking closer to the Missouri side because I live right on like the river. What is that, St. Louis? Yeah, general area, yeah. A declining city? Outside the city.

I'm not going to go downtown, but the outskirts. I'm not talking about just downtown. The metro area has a declining population. I would disagree. You would disagree. They've had a boom in certain areas over there. Huh? They've had a boom in certain areas over there.

I'm sure a couple suburbs specifically, but the entire metro area. I mean, no, but you look at like Chesterfield, St. Charles. O'Fallon, St. Peter's, all of those areas are growing. I mean, even my hometown is growing. Okay, St. Louis is gone from 1990, 396,000 to 281,000. Shut the fuck up. I mean, yeah, if you're looking at St. Louis specifically, I mean, it's a violent city. People don't want to live there anymore, but there are still people coming to the outskirts and the surrounding areas of that.

St. Louis in and of itself is not great, especially when you're, I mean, I grew up 30 minutes south of East St. Louis. It's one of the most dangerous cities in America. But obviously people aren't moving to East St. Louis, but they're still moving to the surrounding areas. I said, I'm not saying people aren't going to move in, but either way, if we're in a declining city, is that where we're setting up a business? At least you can live for free with the family, but that doesn't make sense. I don't have family that I can live with. This would be an individual expense. Why? You're moving back forward. family, right? To be closer to family, but I don't per se have family that I can move in with. What do you mean? No one's willing to let you? No. Why? Family drama. Then why do you want to be close to them anyway? Um, because they do still have family that I'm close to and while financially, they may not, they may not agree with the things that I've been doing, but they do still love me. Well, because you're financially like a child. It's, I mean, it's not even that. It's things outside of that as well

that have happened or been said. Tell me. Just, uh, no, tell me. My mom likes to run her mouth. Yeah, and what does she disagree with and what does she said? She's just not a good person. Yeah, tell me. That's something I'd really prefer not to get super into. That's fine. Then what the fuck you're talking about? You said there's family members that disagree with your finances.

I mean, yeah, there are. So tell me that. Tell me that. They don't think that I should be doing what I'm doing. They think that I need to find a quote unquote big girl job. Objectively. But also, and this is where I struggle with that because my family also very has the mentality of prove people wrong. And so while yes, everybody.

But I'm proving everyone right. But I'm working towards proving them. Nope, nope, nope. Literally no. That is not true. I'm sorry. That is not. Trading Ashwab is now powered by Ameritrade.

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Learn more at Schwab.com slash trading. True. And then what would your plan be when you're there? Money. Work. Probably go back to serving where I used to serve because I made really good money there and... Full backwards, though.

You're not trying to... But then I would still... I would probably flip the script and I would probably go back to serving full time and then part-time. Are you anti-getting into a job industry that's actually growing in the United States or anything? Because my grandfather thinks I need to become a truck driver.

And I don't want to do that. That's good income. I'm sure it is, but I don't want to do that. If you don't want to do that, that's fine. I mean, I'm not going to force you to do that. That's why I left my last good job because I just, I was tired of traveling. I, I didn't. I worked for Walmart.

I was a project manager for store remodels. So I traveled around. Starting 50,000 a year when I left 51. Plus benefits. You transfer that skills to another job, though. I have. And that, I, I, I, I have, even before I left that job, I tried applying for other jobs in project management,

in construction fields. Even within Walmart, I've had a hard time finding, getting a job with them again. Well, you quit. Correct. A lot of companies aren't willing to hire people who've quit. It's a little different one. I worked for home office, but trying to get a... You still worked for Walmart.

A lot of companies have policies against hiring people that quit. They will hire people back. They do all the time. Okay. Well, a lot of companies don't. And maybe hiring manager isn't that you're looking at. I don't know. Okay, so let's see.

Growing industries in the St. Louis metro, software development is gone up 18%. Data science up 22%, cybersecurity up 32%. Advanced manufacturing and aerospace, yeah, you might have to work in manufacturing supply chain management potentially. Healthcare life sciences.

Health care is usually pretty good to get into. Logistics and trade transportation, we know you don't want to do that. And leisure and hospitality, well, that's what you're talking about going into. Those are the largest industries. Okay. So IHG takes 18 years to pay off.

Yeah. $1,000 of interest is here so far. Travel for business on here. Well, now we've lost in total with interest accrued in the business expenditure 6 to 7, $7,000 and a half thousand dollars this year. Yeah. $7,500 you make. That takes 15 years just to recoup that cost and you'll be redoing a lot of those costs

when supplies are done. You have to re-up them. Okay, Capital One, what's going on with this card? Also close to maxed out. That card, I had to split the payment for my car repairs between two cards. So that card holds... Or repair for your last car or a new car? For my last car.

Okay. How's your current car doing? Fine. Miles? I haven't had $82,000. Okay. Foreign cars a little more expensive for repairs. $82,000 is great for that age.

For a 20-year-old car, it is. Well, and so that was the thing, too, with everything that happened with my previous car, I went into purchasing this new car with a little more... I wasn't so much wearing the rose-colored glasses of the car industry. I have some friends who run a car group based around Volkswagen, so I bought the car with the intention or with the knowledge of I have a lot of people at my, I don't want to say at my dispense, but at any given moment who can help me with repairs on the car. So who?

Okay, so somebody in your life bailed you out of the last debt owed on the last car, but you still have debt hanging around for that anyway because this was all repairs on the last car. Yeah, and I'm still paying them for that as well. It's ridiculous. 17 years to pay this off. Yeah. $500 in interest this year so far. Listen,

who are the family members that are against what you're doing with your money? What's your relationship with them? And how many? And what are those conversations? Like I said, you know, my grandfather has told me that I should become a truck driver. I don't know why he's hyper-sever in one industry specifically, but you should get a better job. I think it's because my step-uncle is in that industry, and he knows. is what he makes and all of that.

He makes six figures at being younger than I am. I want you to get into a good job. Yeah. You're talking about nothing that meant anything. So, yeah, I was explaining it. I don't care. Okay, and then don't ask. No, I didn't need the long-winded uncle, uncle, uncle.

I just said, who's doing it? You said grandpa. I didn't need to know uncle makes money. We all know truck drivers make money. Yeah. I just want you to get into an adult job. Mm-hmm. That is one option.

If you don't want to do that, that's okay. We're not going to pressure you to get into that job. Okay, who else? and what's the conversations? My grandma for a little while was very on edge with it. I think because she was having conversations with my grandpa about it, but she has since flipped a script and she's very on my side about it now. She's a dumb.

Be careful with that. What? Did she have dementia? She is dying. Well, okay. And she does have dementia. Well, then why is she sitting up her grandchild for failure? Because she wants to support me.

But she's not. It's enablement. I think she sees the potential in what I'm doing and she is proud of the fact that I have taken the step to build something for myself. It's so cold-hearted. I know this sounds so cold-hearted. But listen, just because there's sympathy

of the fact that she's approaching the end of life and that's really sad and I am sympathetic and that's horrible and I would not wish that upon anyone does not mean she should support you destroying your life. But I don't feel like that's fair to say that everybody also should just sh-h-on-me and say, you know, what you're doing is stupid you need to give it up.

But that's real. But then how would any business venture start then? If that's... No, no, no. I told you how to do this in a proper way. You're not willing to do that. I'm not saying you can't be on nail tech. I said you need to put in the work with other people and build up clients,

not immediately go into your own business and spend so far $7,500 to make $500 a month. But there's not a lot in the area that I am in, that I am willing to do that. And you go to a different area. But I can't. I can't leave. You said willing. Yes, because I'm not willing to take a pay cut to. do that because again you make $500.

Okay, but that's the thing. That's what I was trying to say earlier is even most of the girls that I went to school with who work in those said salons either don't work there anymore because the pay was too low or we're still having to work two and three other jobs. Then here's the reality. Because the income is not enough. Then here's the reality. I get that.

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Then, clearly, this industry in that area sucks! And you shouldn't be doing it. Correct, but I'm in it and I don't know how to get out of it at this point. By stopping. Eat the loss on the lease and go get another job. But it's not even the least. How do I eat the loss on everything else that I bought for it? You just have to.

This is a, oops, I f***ed up mistake. This is not a sunk cost. This is not a sunk cost. You don't immediately have to try to buy your way out of it. It still takes 14 months with what you're doing. And then by then you're going to have to spend more money just to sustain what you're trying to do anyway. Because you'll re-up your lease and you'll have to buy more supplies by then anyway. Yeah.

Like, I'm sorry. Do you even enjoy this? I do. I absolutely love it. Well, at least you have that. But the fact is, if literally every other salon is in, you're unable to work there because no one makes money, then this is not an area where this industry works. Right.

And that means then you can't do it. You're not going to go into an industry in an area where all tax that are barely even making much money are on the cheap and you're going to go in and be this high level one. No one's going to pay for that. Obviously, the market is not demanding that in that area. And I'm sorry. But there are in the area. Just because your grandma's in a said situation doesn't all of a sudden make that valid. That's fair.

But also, I don't think it's unfair to say that nobody should support me in what I'm doing. No, no, no. Do you not understand what support is? oftentimes supporting people making wrong decisions is telling them they're making wrong decisions No, I know that there's a hard truth behind it

but I'm also but what I'm saying is that I don't think everybody should look at me and just outright say what you're doing is and you should. Right, but it has to start somewhere. No, and I told you how to start it

in that area is clearly not an area where it can be started. I will keep that in mind but I don't mind you're on a lease for a year you started two months ago. After that is said and done I mean I don't I don't I don't I don't know.

I don't know what you want me to do. I'm not going to bail on a business and I'm not going to leave it on someone else's shoulders. Someone else's shoulders. Still pay your rent, but we need to get you in a better career field. I'll gift you a course career certification. It's great for getting into a different career field. I'll give you that.

I'll gift you a Fizz card as well. We'll get you on that. It's a debit card that builds credit. I'll even get you on Weibel. Now that you pull from your retirement, you better start investing. Mm-hmm. So I'll get you those sign-up bonuses as well.

But for for sake, man. I like the idea of moving to St. Louis. It's definitely a cheaper area for sure. It also means cost of living is large as long as things. You make less. But, honestly, you'll make more doing anything. Literally doing anything else. Yeah.

Do you have a strange relationship with your family anyway? Why fully do we want to move to St. Louis specifically? Because my grandmother's up there. For how much longer? That's the hard part. I just went up and visited her recently. and she's not, she's not doing terrible, but she's not doing great. And again, it is sad and I do have sympathy for that.

Yeah. It is not an excuse to continue doing something that is damaging your life. No. No, but I think the idea behind it was was to build something for myself that if it's going to fail, it's going to fail on me. Nobody else can take it away from me. It's mine. I'm okay with a failure, but you put $7,500 in plus a yearly locked-in lease for this.

Yeah. This is damaging beyond damaging. You pulled out a 401K to buy a car because you never. set yourself up for success and had money. Yeah. Like, it's more than just that. This is more damaging than you just did something and it failed. It's the you're going to be paying on it forever.

From the lack of retirement, from paying off debt to paying off whoever lent you that money. Listen, to pay it on the lease that you got. You'll fuck your credit if you don't pay on these things. Yeah. And I'm sure that lease is tied to personal assets in some way whatsoever. I don't know, lean on something, maybe. you usually don't pay a lease in the commercial world.

They can come after you in personal assets. Yeah. So even though this is a more interesting situation with this commercial space, listen, again, and I don't think they should necessarily bully you. However, I have a feeling that they just tell you the hard truth and because you're you, and based on everything you said about other jobs, you think it's bullying even though they're just saying, yo, this isn't working, you need to try something different.

I don't think it's bullying, but I don't think it's fair to completely tell me that I have to give up something that I've worked so hard for. less give up. You can do it on the side as the side hustle while you build it up while doing something more productive. But that's, but that's the hard thing. And, you know, if I do take my grandfather's advice and I go into the trucking industry. But what I'm saying is if to me, it doesn't make sense to give up the focus on that because if I'm not focusing on it, I'm not building it. You're making six hours an hour. Like, I don't care. You would do it on the side. You build up the clientele. And if it ever, again, even though the YouTube thing in this business took off a little quicker, as we explained earlier, than a lot of businesses, I still didn't quit my job until I knew it at least be sustainable multiple months in a row. That's why I work so many of them.

No, you quit your job and you went off on your own. It is not the same thing. It is not a similar situation. You're out there killing yourself in order to make $30,000 a year. It's not working. Yeah. I agree with that. You're probably on government subsidized health insurance, aren't you?

I don't have health insurance. Okay, well, that's dangerous. Your housing insurance would honestly be free with your money through the affordable care system. I think I've looked through it and I didn't qualify for it. I don't know. Maybe I filled it out wrong. I'm not sure.

Okay. I don't know about that. But, okay, so Capital One, so is this the same Capital One I was just doing or is this a new one? No, I have two Capital One cards. Oh, yeah, this is a Quicksover. So what's going on with this? So that one also is the other portion of the vehicle.

repair payment. Good death. So you're just paying on this past vehicle permanently forever. Yeah. $2,623.99. Now, I'm a little confused. A lot of the places that you can go to get car repairs, usually have like a zero percent interest thing instead of opening a new credit card and putting it on this. I wasn't offered that. And I went to a dealership. It was never even mentioned. I would go somewhere else. I couldn't take the car anywhere else. They had already done the work on it and I didn't really have a choice. You did the... So, okay, so the... The car. So, okay, so the car. The car. went in for one issue and it turned into basically rebuilding the entire engine and it was just one thing after another after another to try it. Did you talk to anyone in your family? No.

Well, you should have asked for his advice. No one would recommend putting this much money, especially on a credit card for a car repair for a car that's not going to last. Well, so the intention The intention was that these repairs were going to fix the vehicle. And I do know. I know what the intention No, I know. But, and then it turned into, okay, well, now it needs this. And I'd already paid this. It was like $60 to $6, $6,300 up front for the initial repairs on the vehicle. You know, it's a better way to repair your life.

Coming on financial audit. Come on to financial audit at Caleb.com, social play. Continue. So, you know, I took it in. And I had explained to them because they had asked me, hey, are you interested in trading the vehicle at all? Like, and I said yes. And outside of that initial, them asking me, it was never brought up again.

They had my vehicle from October 7th of last year up until about a month and a half ago. Okay. So. Okay. So you have $2,623.99 on this with a minimum monthly payment of $93. Also take 17 years to pay off. Oh, we've had a late fee this year so far. How many? One.

Okay. Why? I think it was a bounced balance. I tried to pay it and I didn't have enough. Get a fucking job! I have. Several. I have at least one real job on paper, according to you.

Yeah, but you say if I work 20 hours a week in it. Well, things have been hectic lately and I've not been able to pick up. Like I just said, I went out of town to go see my grandma who's dying. I empathize with, but again, you set yourself up for this situation. I understand that. All the choices you made led to this. I understand that. I'm not yelling about the car breaking down.

I'm not yelling about your grandma dying. It has the financial choices you made that set up with your inability to be able to afford something like that. Yeah. I mean, I do know that I do have some poor financial choices, but I also, I don't, I don't, but I don't think that I should totally miss out on life and the things that it has to offer because. I didn't say that, but I'm fucking criticizing you for what you've done leading up to it. I know. And your inability to change it, which means the next time an emergency absence, which they always do, you will also, again, destroy yourself. Well, an emergency better not happen because I don't have anything to pay for it.

Your grandma will die at some point. Hopefully it's in the next 20 years. Well, I do have a funeral coming up that I am going to have. go out of town for you. There you go. Your grandpa will die. Your parents will die. Everyone will die. You will die. Okay. So that is something that is going to happen and you need to be able to prepare for that and that will be a travel expense

that I'm not going to say I don't want you to do. That's not true. But if you continue your financial mismanagement, every time something like that hits, you're going to permanently fuck yourself even more. Yeah. Okay. You also want to go on a warped tour soon with your boyfriend? I don't even know what that is.

It's a music. I also did it. It's the music festival. You're not going out. So why didn't you live with a boyfriend? We're not there yet. Oh, okay. Pretty fresh? Yeah.

Okay. Well, he can pay for your full spending at least, right? He could, but I'm not going to ask him to. He doesn't pay when you guys go out to eat? I mean, yeah, he pays for things, but I'm not going to, I mean, I'm not going to ask. How many guys go to eat together? He lives out of state. So he's back up in the St. Louis area.

So I don't see him very often. So that's another travel expense. Great. And that card's 29%. I'm going to love with an ultra beauty card. What's going on with this? See, you're wearing a lot of it. Makeup, skincare, personal care items.

$491 and $71 with $13.50 of interest recurring with a $30 minimum monthly payment. $80 this year so far. And you're going on a trip to San Diego. That is not a dying grandmother. No, isn't that. But that was something that was already planned and booked and paid for. before most of this right down late last year. You weren't making money then either.

31.24%. That is so stupid. What a moronic way to live life. I will not accept it. But to be fair, that trip. That trip. I have another dying grandma in San Diego? Foff. No.

So then no. There's no, to be fair. It is a girl's trip. It is not a necessary trip. Good girls. I don't give a fuck. Hotel is not paid for. It's booked with points.

So that is not a cost that I am. You've lost more than that in interest. I know for a fact. So don't points me. Well, no, that was hotel points from when I traveled for work previously. That was points earned through hotel. What else? What else?

To be fair. I've, there's not really anything else that I am paying for on this trip. You will spend money while you're there. I know for a fact. Stuff like that. Like, I've already, everybody else has already agreed to like they're covering the rental car because I've covered the hotel. I paid for my flight, yes, but I did.

Covered everyone else's hotel with the points? Yes. It's just one room. It's one big room for everybody. Well, that provides you for paying from others when you do have to go visit. Correct. For funerals and whatnot. Correct.

Well, I didn't pay for it. And you will spend money while you're there. So this is disgusting. This is disgusting. You make no money and you say, wow, I have to pull out of my 401k to get a car. And then you go to San Diego. I mean, buying a car is a little different than spending $200 on a trip. That's what I'm saying.

And yet you still are. One's the necessity, one's not. You're choosing the knot. And then all of a sudden you have to damage. Then you have to damage your car. Then you have to damage your risk. retirement in order to afford it because all you do is just live fun. So I don't want to be here.

Okay, but in my mind, in my, in my, the trip, the plane ticket I bought to, I don't get a fuck. We'll go back to the whole girl math bullshit. That was, the plane ticket to San Diego was paid for by my plasma donations. So that, it's great. Plasma donations could have gone towards paying for a car. So I don't care. Shut the fuck up.

Oh my gosh, you're broken. Is that all your debt? I think that's your debt. You got 16,800. $27. You don't have student loans from your endless schooling you did that resulted in nothing?

I don't have student loans that was paid for out of a college fund. Now what about the loan to the person that paid for the car? $7,500. Great! I'm going to say family. I don't know. But either way.

$7,500? Do you have an agreed upon monthly payment? $250. Great. Is there interest? No. You're lucky on that. That person must love you.

Yes. Well, it gets involved besides just your grandparents because you made it sound like a lot more people. As far as... Have an opinion on your failed business. I mean, I'm sure a lot of people have an opinion on my failed business. But talk to you about it, like you said.

I mean, mostly just family members. I mean, my... Who? I mean, my aunt, my uncle, my... I mean, I have a lot of them. My aunts and uncles, my grandparents, my... You know, I'm sure my parents wouldn't look at what I'm doing and be super proud of it, but they wouldn't look at me and say they're proud of anything I've done.

So that's a little different. Well, I mean, what have you accomplished? I mean, I... Not to be rude, but... I mean, it may not amount to much, but I mean... If you want them to be proud of something, what have you done for them to be proud of? I mean, I don't care if they're proud of me or not. Well, I know, but you're brought up the plan.

No, I know. But I mean, it's mean, it's mean, it's mean, I wouldn't recommend they say, hey, we're not proud of you. Like, that's kind of... I mean, whatever. But for what it's worth, what can you show that they would be proud of? I mean, it may not be profitable. It may not be doing very well right now.

But I am, I mean, I am truly working and trying to figure out ways to make the business more profitable. Anyone can go not make money. You want someone to be proud of that? I don't know. No, but... I mean, I'm working on building something for myself by myself. Okay, she doesn't get it.

$212 in a checking account. So thank goodness we're going to fucking Domino's. Going in and getting some bullshit McDonald's, Long, Dodgers, Viera, restaurant, Burger King, bread, beard octane colister, going to the pub. American nails.

Good. She spent $60 on nails. That was supplies that I bought at the beauty show, and so was Beard Octane. Bonice of simplicity, beauty and body works. Dragon vaping smoke going in and getting some bull. Vap and smoke? What?

Part of that. What is it? I do vape. What is it? Just vape. How much? I maybe go through one a month. That cost is actually split between me and one other person.

I do purchase for someone else when I go and then they just pay me back cash. Well, sounds like your funeral is the one everyone's going to be going to sooner. At least I only have to worry about your dad by then. Someone else's problem at that point, isn't it? Okay. $112 in this one. It started with $14,000 and with 112. What the fuck is happening here?

That would be a, I believe that's my savings account. It was at $14,000? Mm-hmm. How did it go down? Actually, let's find the fuck out. How did you get $14? I had a really good savings and I had myself set up really well when I worked for Walmart, but... So pull from retirement and emergency phone, fuck off.

Well, it's a rocket. Welcome to Rockville. That was a music festival. Music festival, music festival, music festival, Chili's, Chick-fil-A, Starbucks, Chick-fil-A, Canva, Cash App, Canva to make something that is never posted on social media. ATM-M-T-M-T-M-T-R-R-300-80. AT-M-T-M-T-Raw-S-Fet-T-M-T-Much-Raw-T-T-M-T-M-T-M-T-M-T-M-T-M-U-T-FU-T-FU-F-E.

Where the f-F-F-F-Q-K-A-F-B-A. Oh, fuck-com, man. I paid cast a car. Apple bill going in getting to bullsh, some chick for fucking lay. I think that's actually a checking account. Amazon Apple bill going and getting into BS. Peacock Premium.

What the for? Apple bill, Apple store Orlando. Fuck off. Amazon. I don't care. Going into some BS. Florida Key Lime. Lelandia brewing all to drain our savings for fun,

fun, fun. Come on. The car thing I can get it. That's an emergency fund. 4, but then you had so much fun on there and you drained your savings. Come on, no sympathy. Pull out your fucking phone. Pull out your phone right now.

Right now. From 14,000 or whatever to $112 where we got $74 in savings. You kill me now. What a joke. Subscriptions on Apple. We got ICloud Plus and serious fucking XM. Did have tender expired March 21st. So this relationship is fresh.

Or were you swiping while you're dating? No, actually. No, no, no. No, no, no. It's not like that. That actually... Very defensive. Tinder, no, that Tinder premium was for something that my friends and I were trying to look into and I paid for it. What? Yeah.

Yeah, you're going to explain that a bit more. Yeah, so I, we had found someone on there and then couldn't find them again. And so we decided it would be a good idea to just pay for the premium so I could get back to the person. And why didn't they, your friends, where you were collaborating with? my phone. What was on your phone? The account. They could log in on their phone.

It was already pulled up on mine and we were already doing all of this, but that it was a, it was literally, it was charged once and then canceled immediately. Okay. The Sirius XM is a free. They're calling out your body language. You're covering your mouth and stuff. Right now, by the way. Oh, good. 23 things in our cart on Amazon.

Good. We got, oh, hair extensions. Oh, a turbo fan. Oh, a photo stick thumb drive. Some tops, keyboard, and mouse. For sale signs, some shirts and shirts and push up bras. Listen, if you got them, you got them. If you don't, don't, don't need to fake show off.

Sticky bra and visible silicone silicone cream. This is a shared Amazon account. Let me be very clear on that. With fucking who? One of my friends. It's her account. Always the friends. No, it really is.

Pro gaming mouse! endless, chunky, clunky, rings, and dynamite set. And we know he had Amazon purchases on there. So 40-p-beast-ne-no-I do. Yeah, no, I do. What the f***le-fuss her for her thing? Hair-fitting lace thing. Well, the other ones he didn't say were her.

Fake cigarettes. No, all of those are not. Umbrella sling, crown-gold necklace, more jewelry, jewelry, jewelry, watch. I see that. I see that. The, yeah, we can't afford to pay bills. Guys, oh, I had to pull from my 401k in order.

to get a car, but let me go ahead and just spend all this money on jewelry. Shut the fuck up. But if you look at a lot of that stuff, was returned. I don't want to fucking... Shut the fuck up. Azus R-O-G railroad. Shut the fuck-offs. The stuff that I buy, a lot of what I buy

is a business expense. You want to die. No? Quiet. I will say Tinder is officially deleted from the phone. Yeah, it's not, yeah. I don't use it.

I don't. And how do you keep track of these write-offs? I keep my receipts. I have a couple different little folder things that I put all my receipts in. A couple different ones? Yeah, like I keep them around. I have one in my work bag, one of my car. So then at the end of the year,

it all just collectively comes into a big pile. Oh, we will see. Okay, so $2, 550 comes in, and let's just say we don't even pay taxes. Let's just be generous. So, yeah, let's get these debt, minimum payment. Let's figure this budget out. You know, I mean, you're going to have to a little bit.

Let's just say $2,000. what you get on a monthly basis. Hey, come on. No, I mean, okay, fine, fine. You're going to write off some of the expenses, but let's calculate that against the 550. Okay, so some expenses, blah, blah, blah, blah. Okay, good.

So let's just call it. 2000 is net. What comes after business expenses, good. And debt minimum monthly payments is $6.13. Okay, we know your rent at the house is $500. Do you have to pay anything towards utilities and whatnot? No. Internet?

No. Renters insurance? I do pay for renters insurance because I also pay for a storage unit. How much is all that? My storage unit just went up. I think it's $110 a month. And that comes with the renter's insurance?

I pay the renter's insurance outside of that. I think it's $16. Okay, so we'll save for that $126. Great, great, great, great, great, great, great, great, great, great. Phone bill. So up front, I pay the cost. I have a shared phone plan with my grandma. So I pay the upfront cost of $110.

No, why? Do you? And then... You still on your phone? Because I just had to get a new phone. And she paid. you some back? So she pays me for her half of the phone bill.

So what happens when? Then I'm going to have to figure it out. I'm going to have to go back home down. Okay. So what do you have to pay? So my half of the phone bill is $55. Okay. I'd switch to helium if T-Mobile's good in your area once you have that phone paid off. Okay.

It's much cheaper. Same coverage. Okay. Okay. Gas, Vroom, Frum, Drive, how much on a monthly basis? Um, if I'm not going anywhere and I'm saying local, then it's probably $150 a month. If you don't do anything that you always do.

Okay, car insurance? That currently is 270. 2.50? Okay. 300 for food. Use our budget-friendly cookbook and use the budgeting app that you get for free. You can make that work. I promise, we've done the math. $100 for TP fund.

Anything else you need to survive? It's your own makeup. It's your own toilet paper. It's your tampons, whatever, whatever. Co-pays. Okay, we're getting health insurance. I'm going to put at least 100 towards that. I think you're going to be heavily subsidized. So let's say 100.

Do you have any pets? No. Please don't. Thank goodness. Any other things that need to be in your budget that do not, that I have not brought up? I don't think so. Okay. Good.

Well, okay. $2,215. $0.36 is what you need to survive. 2000 is probably what you bring in after business expenses. So, you're... Yeah. I honestly, I didn't think it was that bad.

How? I just, I didn't. I didn't think my monthly expenses were that high. You said you've put everything on paper. This is a very basic... That took me... Two and a half minutes? It's not...

I just, I don't... I put it down in hopes that I kind of understand it better, but I mean, I truly don't understand it. So... And it changes, so. Why? I mean, what I bring in changes and what goes.

That changes, but not your expenses. I mean, but like monthly minimum payments change, you know. Barely. Barely. Very barely. Okay, what's your move back plan? Is there a plan? I mean, it's just a very general plan at this point.

I would like to just pay down as much as I can and save up to make the move. But I also know that I need to. How can you save if you make less than you bring in? If you spend less, if you spend more than you bring in just to survive. No, no. You can't. Unfortunately, I can't. I can't. That's where I'm trying to dig myself out of this.

I'll be honest. I'm digging myself. Some potential business things you need to do or if this car breaks down, I might fuck it. Well, listen, what I'm personally doing other than the family debt, if you can prove you change your behavior for a few months, I'm declaring bankruptcy if you're going to continue down this path and I'm going to wipe this debt. It's going to fuck you for a bit. And it's a few thousand hours to go through and it can be a little stressful.

So you have to change your behavior, prove you do it so you don't end up back here in the first place. But more than anything, you need to get into a career field that has demand. That is providing more value. That is not oversaturated. You need to do a little research in what you want to do, and we can get you geared towards education or certifications that get you to where you want to go. But right now, this is not working.

Whether you do that on St. Lettuce or there, I don't know. But this is not working as simple as that. This is. Those are the two steps I'd take from here. Yeah. Bankruptcy has been something that has been mentioned to me before. Yeah, but I don't change your behavior or else you'll end up right back here. and we've had people on the show that have done that.

Yeah. And that's, well, and because I do, um, you know what? I, I don't remember if I sent the stuff in for it. But I do have a personal loan out with the bank. Okay, well, at this point, we're going to talk about it on the post show because I can wrap this. So join Hammerley link in the description below. Come hang out. It's going to be great.

Let's get your hammer financial score. Spending in a budget. You overspends zero out of ten. Debt. Family debt's not great. We don't like that. Okay. No IRS debtor collections as far as an.

So one out of ten. Emergency fund. Well, you drained it. Zero out of ten. Retirement, well, you drained it zero out of ten. Real estate zero out of ten. You honestly probably went from maybe a three down to a rounded up. Point five out of ten.

Come join us in the post show, guys. It's juicy as always. Join that Hammer Elite membership in the link in the description below the number one on the platform. We'll see you there. What the fuck is going on with this personal account? I took out a personal loan through the bank to consolidate credit card debt. Oh, to fucking come! What are you all on this personal loan?

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