Financial Audit - He's So F*cked (I brought in his mom) | Financial Audit

Episode Date: October 10, 2025

🍿 WTFFFFFFF SHE *FORCED* HIM TO TAKE MONEY OUT OF HIS RETIRMENT---- and there is *SECRET* IRS debt!!! WTFFFF watch the post show here: htDEtps://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join 💵📱Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 💸🤑💰 *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ 🔋⚡🥤🔋 *STOP SPENDING $4 ON BS ENERGY DRINKS* Gamersupps tastes better and costs only *$0.25 per serving* - use my link, and save 10% https://gamersupps.gg/caleb and if you want *FREE SAMPLES* to test, just type in code CALEB ___________________________________________ ▶SPONSORS: Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 💸🤑💰 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ 💸💸💸💸 ___________________________________________ ▶RESOURCES 💵💸🤑💰💲👩🏻‍💻📓✍🏻💡 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ___________________________________________ Chapters: 00:00 Intro 06:20 mama disagrees :eyes: 15:28 shes WHAT 24:25 chat, is he cooked 34:00 why are they kinda based lol 51:00 DRAG HERp 01:02:49 TLC get on this now 01:16:46 whoopsies 01:25:00 MUFFIN ___________________________________________ ▶More Content 🍿🎥📺🎞️🎬 1. Financial Audit Follow-Ups here: https://www.youtube.com/@financialauditfollowups 2. Caleb Hammer Livestreams: https://linktr.ee/calebhammerlive 3. Livestream Cutdown VODs: https://www.youtube.com/@livecalebhammer ___________________________________________ ▶EXTRA 1. My socials: https://stan.store/calebhammer 2. Want to be a guest on Financial Audit? We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: http://calebhammer.com/apply ___________________________________________ ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water.

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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. You give your mom your paycheck. She takes control of all my finances. Your mother. My mother. What's the fight? She's drunk usually when we have the fight.

Oh, bring drinking into this. She's been hearing, and I'm going to bring her in right now. You're opening up cards. Yes. Is my name? He could literally sue you for that. It sounds worse than it is. The tools to change your life have just been upgraded.

Download my budgeting app, rebranded to dollar-wise today, and start your free trial. Sign up for the annual version, and I'll send you my budget-friendly cookbook that can't be purchased anywhere else, and I'll personally sign it and mail it directly to you. Download the dollar-wise budgeting app today, and take advantage of your free trial. This is Drew. I'm 32. I'm from Youngstown, Ohio, and this is financial audit. Thanks for coming down to Austin. What do you do for a living up in Youngstown? Right now, I'm a metal former, a role former.

Ah, the Rust Belt, yes. We love it. Good, good, good. How many hours a week you're working on this thing? Is it full time? Full time, 40 hours a week. Good. Is this hourly or salary? Hourly. Okay, what's your hourly? It's like 23, 20, somewhere around there. Youngstown, not huge, right? So not a hyper expensive town. town. So that could stretch decently. What hits your account

on a paycheck basis? And what is that paycheck? About 1,800 biweekly. Byweekly, perfect. Okay. So we're looking $3,600 in Youngstown. Yep. How you doing at 32? I feel like I'm doing okay.

Okay. I get my mom, my bills, or my paycheck. Well, no, what do you mean? So you give your mom your paycheck. Well, I give her the money for bills. No, I give her. She takes control of all my finances.

Yeah, so. Your mother? My mother. So basically when I was younger, it just was easier because I blew all my money. So she kind of took responsibility and said, give me this amount of money so I can at least pay your bills. When? Because you're 32. How long has this been happening?

What the fuck? doing? It's probably been since I was like 18 or 19. Big guy, are you single? Yep. Who would have thought? Not me. This is a little embarrassing. Yeah, it is. But, uh...

I appreciate putting it on display in front of many people, but, um... What the fuck? So at 18, 19, okay, listen, not that I would advocate for that because that's when you need to start learning, for sure. But let's say they do it throughout college. Okay. Dude, you're 32. I know. Says in 18, 19. Yeah.

It's just been easier. So. Well, yes, everything's easier if you never have to do anything or learn anything. That is true. If you sit in a room and have food come to you, someone else pays for the roof over the head and you play video games all day, that's easier. I'm not saying that's what you do, but I'm saying if you don't have to do anything and you don't need to learn anything, you never need to advocate for yourself and you never need to go out there and be productive. No shit's easier. Yeah.

So that's why I'm trying to figure it all out. Do you even know your bills if mommy is taking care of them? I know I pay $600. Give me more about this relationship. I am so confused. Okay, yeah, yeah. Give me how this started because what the fuck? I mean, it's been so long I don't really remember how it started.

It's just she's a helicopter mom and she just likes to... But you're 32. Exactly. That's why it's been too long. I can't remember how it started. You said 18? Probably before that, honestly. Before that, it makes a little more sense.

To a certain point, what did you do at 18? Did you go to college? What did you do? After high school, I went to a technical center for welding. Okay. How long did that take? Took like nine months. Okay, so nine months, maybe mom's helping a little.

I get that post nine months. Then what did you do? I just welded for a while. I definitely went through a, bunch of jobs throughout my life. That's okay. That's normal. I don't know why that means mommy has to take care of bills.

But the relationship with money then, at that point when you started working your full-time jobs and were no longer in school, what was the dynamic with mommy and money? I mean, I was just living with mom and she likes to take care of everything. I don't know. She, uh... How much is she in your life? Completely. I mean, she's, financially completely.

She can log into your bank accounts. I don't wouldn't be able to. No, she can. She can. You can't? I don't know the logins. You're laughing about that. I'm laughing at your reaction.

No, that's insane. I know it's insane. What about your email? Can she get in your email? I have my own email. Can she get into your email? For the email that's connected to the financials, yes. but then I have my own email for other things.

Yeah, the special Gune email, yeah, I'm sure. Okay. Hide that from Mommy. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill three burner gas grill,

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You're older than me. I can't even like make fun of like someone younger. Like, are we regressing? What is this? Okay, you can't even log into your own accounts today. She had to pull these statements? Yeah. Yeah.

It's embarrassing. It's... Okay. Sure. But if I'm embarrassed for something for 14 years, I'd do something about it. 14 years of this minimum, minimum! I wouldn't say I've been embarrassed about it for 14 years, but it's getting... When did you start getting embarrassed because you're 30 fucking 2?

Probably around like 28-ish when people started asking... Four years ago. Four years ago, you're embarrassed and you still can't log into a bank account today? Well, it's tough because every time I ask for the passwords, she just will say, oh, I can't, do that right now or, you know, next week I'll get them to you or whatever. That's so not true. You know your password to your bank account. I don't know it. Do you live with her? No. When's you, when's the last time you did? Probably about two years ago. Why'd you move out? Well, my grandma had a stroke and she kind of needed someone to take care of her.

So you moved out to take care of grandma. It wasn't even to be independent. No. She moved into my room at my mom's house and then I took over her trailer. So again, it wasn't for any kind of independence. It's because it was a necessity. Oh, good. You had to make an email to apply to the show because you didn't want her knowing. Right.

Yeah, well, I know. That's crazy. What have I walked into here? Dude, this show blows my mind. This is absolutely insane. What are we doing with our lives? This is crazy that this actually exists. Did not wake up today expecting to

I didn't know you This existed in this world I'm sorry I don't want to be I don't want to be horribly insulting Just a little insulting mildly A little high insult But not aggressively

A little bit deserving No you deserve a lot But not aggressive Um How'd you get these statements pulled then I ask her to see them every once in a while So she didn't really think much of it And then what's that dynamic like

When you get the statements Does she like hover over you as you're looking at them No, she just emails me them so I can check them out. What's y'all's dynamic right now? Right now I get paid and then I give her $600 out of that paycheck. And then she pays whatever it needs to be paid. Huh? You give her $600 out of the paycheck, but she's managing your, is the paycheck cash?

No, no, it gets direct deposited. I'm in control of my own personal checking account. That's the only thing that I really can log into. And you know you're locking to that. Yeah, yeah. Does she have the login to that? So it's a little bit in the,

a little bit in the separation. The bills that she has to worry about, apparently for you, that you can't, is that all this? Yeah. But you're dying in debt and she's managing it and then you don't care? I care.

That's why I ask her for the passwords and everything. So I can get in there and get everything transferred to. Are you an only? child? Yeah. Okay. Is dad there? Dad passed away when I was 18. Okay. So that could possibly have something to do with it. I think we're linking things together. I don't think she wants to lose Mommy's little boy. Yeah. When you moved out, how far away from the house is it? 30 seconds. Okay. You didn't move out? Oh, dude. Okay. I think mom is holding on to you. I don't, I mean, she's not that bad.

Go on. I mean, she's not, you know, crazy about it. She's just trying to help. Has she advocated for getting you separate? Because she's not giving you the passwords. Not necessarily. Then I can't. Then what the fuck are you talking about?

I don't know. She's not doing it in a malicious way. She's just trying to help. Well, she might be doing it with what she thinks is a positive intention, but is it leading to positive results in the end? You have no independence. How old's mom? 60.

What happens, hopefully not for a very long time when she's not there. What are you going to do? You won't even know how to get into your own accounts. That's kind of why I'm trying to get everything. Sure, you're 32. Let's say she makes it to 80. Okay. So what are you going to be 52 at that point?

Great, wonderful. And then you will be 52 still living on mommy paying your bills from your own money because you can't manage it yourself. Well, it's better than her paying the bills. You didn't even know her age. When you applied to the show, you said she was, 52. Colton just told me. Colton just texted me. You didn't even know. That's eight years different. Eight years. Such a weird dynamic. Does she know that? Does she know? No.

I got mixed up. With what? My uncle's age. Your uncle. So not even the same gender. This is weird. And it's so it's on the same property. What? The place you moved into. No, no, no. It's 30 seconds away, though. It's a street over. Not the same property. property. What do you want to do in life, big guy? Because you're a single, mommy's taking care of everything, and you're living in a trailer that was grandmas that was only you, I mean, the only reason you ever moved out was because grandma needed to move in. Well, I did want to move out. It's not, that's not why. I mean, it is why I moved out, but that's not, it's not

the decision, or I guess it is, but it was always a talk to me wanting to move out. Great, I'm glad we talked about it. But you did nothing. And you still live in grandma's place. Buddy, what do you want to do? Because, again, this is such a weird situation. I want to get my finances in my name. Well, they are in my name, but I want to have control of them. That's a very basic thing.

I'm just even talking about you having any kind of separation from family. Talking about any kind of love life. I'm talking about anything. It's hard to get out of that trailer and move somewhere else because the rent is itself pretty cheap. But it's not about that. Well, financially it is. if I'm only paying $500 for a place to live. This is a financial show, obviously.

There are things that supersede that you're, okay, I'm going to be real for a second, and just brutal and pretend like I don't care about your emotions for a second. Your life is nothing. I mean, I get my bills paid and I start a little savings. And that's what I'm trying to say we need to separate that. Finances are a very important aspect and I advocate for a hard. outside of that your life is nothing. At 32, you're pissing your life away.

I don't think so. What? In what way? Romance is nothing living with mommy and mommy. You were. Come on, the only reason you moved out is because grandma's didn't. Well, the only difference is, you know, I would be pushing send payment. I feel like that's not that big of a deal.

Huh? You know, the only difference of me giving her money and paying the bills, like obviously I don't know the statements or anything, but I would just be pushing send payment. You know this isn't normal, right? Yeah. I feel like... When did you learn this wasn't normal?

When people would ask me how much I'm paying for my electric bill or something, and I really didn't have an idea because I don't pay them. I just pay all my bills in one flat payment, and then they get paid, I think. It sounds bad the more I hear people talk about it. Because I can't even... Oh. Man. Verify that.

What about your debt? Do you even know how much debt you have? I know now because I sent you the statements. Wow. Before that, you had no idea. Not really. I was thinking probably like $10,000. And you didn't give a...

I figured it was okay because my mom's taking care of it. Probably minimum monthlies. So you thought it was 10? What is it? I think it's like upwards to 50 now. Dude, that's insane. That's a gap of the century. 10 to 50.

You are $40,000 off? That's crazy. Yeah. So when I watched the show, I realized it's not as simple as just having my mom pay everything. I just need to start learning everything and taking responsibility. So. You need to quit using your credit cards. Big guy.

I want to know from your own perspective why you not tried. I have tried. Why have you not pushed harder? Because you've asked, she deflex, and that's it. She says she'll give it to me next week or whatever she doesn't know. Yeah, but that's been endlessly happening. Why not sit down and get it? It starts fights and it doesn't happen anyway.

Okay, what does that tell us? What are the fights like? Tell me. I just argue with her because she won't give me. Tell me, walk me through the fights. I tell her I want the passwords and she'll say, oh, I don't know when to transfer everything over because I don't know. That's what she says.

No, walk me through this, buddy. I need to know the dynamic here. And then I tell her just give me the passwords and I'll figure it out. And she says it's not that simple. And I just tell her to and she won't. Why is it not that simple? What's the argument? She just doesn't.

I don't know what the argument is. I don't know why it's so hard to just give me the passwords and do everything. She just won't do it. But you said you guys fight about it. Oh, yeah. What's the fight? You just keep saying yes, give it. She says no hard.

Pretty much. I mean, forth endlessly. She's drunk usually when we have the fight. Oh, bring drinking into this. So I get off, I work midnight. So when I get off work, I go to sleep. By the time I wake up, she's at the bar having fun or whatever.

Every day? Yeah. Seven days a week? Probably five of the seven. Well, not seven. Does she know you are saying this? There's a heavy chance she will come across this video. I don't think she'll come across it.

And you don't give a... I mean... Friends send things. Is she an alcoholic? I would say so. I'm getting shocked faces in the room. No one knew this. Okay.

Yeah. Why don't you approach that conversation in a sober time? Because I am sleeping. Wake up? She goes to the bar like four. I get home at eight. I got to sleep a little bit. So you have the argument at the bar?

No, when she gets home. What time is that? Like eight or nine. and she'll drink at home too so okay we don't have to get into all this drinking that has nothing to do with it you have access to the email you can do password resets yeah but I don't want to

make up whatever she needs to transfer what does she mean transfer if they're your accounts that's what she says she says needs to transfer into my address or something no you probably just need to log on and change the billing address if that's what you care about Because he does, you mean, no credit cards he has. You just have to do a password reset.

You have access to the email that's attached to all those accounts, right? Confirm. Correct? To what? You have access to the email. Yeah. USA Bank, you do not have to log in information to this. No.

No. Do you have the app downloaded? No. Download the app. Yeah, download the app right now, big guy. This is fucking crazy. And while you're downloading it, what was the title of your job again? A roll former.

Roll former. Is this what you want to do? Because you're very locked in in the situation. No, keep going. It's just downloading. Okay. Is this what you want to do because I'm so confused? I feel like you're locked into this life where you're being controlled.

I mean, it pays the bills. It's the most I've gotten. Is that what you want to do? I would like something different. I don't know what it would be, but something that would pay more. It just comes down to money. Pretty much. Okay.

I don't really mind what I do as long as it's giving me good money. Colton's telling me you told him you wanted to be an astronaut. I mean, I said I like space, you know, but I don't think there's really much job market into that. Probably not in Youngstown. I don't think there's really, I've done a little research on like... SpaceX, NASA. That's ridiculous.

Look at my weight, for one. I'm not going to be able to make the training there. You think you're going to space. No, no. You're the one who brought up SpaceX. You know there's like 99% of the jobs. in that do not go. Right.

Up. I don't think I'm that smart to be in there either. But. What happened here? I had a cyst growing under my skull into my brain, and I got some surgery to take that out.

I would have watched the video, the popping video. I would have watched it. Okay. I asked them to record it. Yeah, we're stuck. I can't log in. Good.

Put in your email. Do a password reset. Here we go. Password. reset time. Let's see. Where's that out? We're gaining independence.

For the first time in our lives at 32. Let me see how far he gets with this. Well, I had to enter my phone number, but that didn't work. Surprising. Had to enter my honest phone number. Okay. So now she's got a code. What about an email address?

There's no email address option? It didn't ask for an email. I'll text her see if she got the code. Oh, what is she thinking when she gets this? I didn't get a code. What time is it? It's 11 here, so it would be noon there. So she's probably...

Yeah, she's probably working. Just in hungover mode. Oh, okay, working. Yeah, she's got her own little shop at the house. Doing what? She makes costumes and stuff. She's a seamstress. It's alterations.

Living? Yeah. She makes like $40,000 a year, I would say. Oh, I got it. She said she didn't get a code. So that's not working. Unless she's just not giving me the code. All right, reset password.

You got a password reset? Yep. So this is your first time logging in? We're conquering independence. Correct. We are conquering. Kind of. Next step to space.

I don't know. I don't think that's going to happen. That'd be cool, though. Maybe in my lifetime. Get a little space adventure going. SpaceX. They're doing stuff. We have indoor skydiving somewhere here in Austin.

Well, that's no fun. We got to see the earth from outer space. All right, let's see if I can log in. Welcome. Accept, accept, accept. Oh, got another code to my mom's phone. She's not questioning. No, she doesn't really question too much.

But she refuses to give you the password. But she doesn't question much. Nope. So it's not stacking up. Don't refuse to give all the passwords. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y. Refi is here to help.

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That is AAA 973-3978. And see how they can help you move forward with confidence. She likes to just take control of everything. I'll go over her house for dinner or something. Yeah, you're a 30-second walk. I can't even make my own plate. She just likes to do everything. Okay, well, that's motherly.

I mean, that's a little different, right? I guess. You come over, you're kind of in like the, what, northeast? And she's like, oh, my little boy. No, that's okay. Okay. Hey, what for the fucking? I'm giving you this planet.

A couple cool. You eat. You eat, kid. You eat. Right? Like that, but imagine woman version. Right, but I don't know.

That's what they do. I feel like that's not a red flag. I don't know. It goes pretty deep. Well, she probably thinks you eat too much. I mean, she makes me pretty big plates. I'm a big boy. Are you in?

Yep. You're in. I'm in. That's right. 25 minutes into financial audit. And this is the first time you've been able to. to log into your own accounts. Correct.

All right. Making moves here. Proud of you. Thanks. But I will say this, unfortunately. I was a little cheeky. I was a little cheeky working with my cheeky boy, Colton, because he's a cheeky boy, too.

So we did this once with a couple, and I'm sorry because it's probably going to create a little bit of drama in your life, but, yeah, even though you applied behind her back and you think she doesn't know where she is, we ended up contacting her outside of this before you guys came, came up with a secret little plan, and we actually put her in a room near us with a little TV setup, and she's been watching this live.

And, yeah, look at that face of terror and fear. and she's been hearing and I'm going to bring her in right now and we're going to talk about how fucking weird this all is and she's heard everything you said I apologize for that good luck big guy

oh here she is whoa she looks great for her age I can't believe you came here without telling me well you weren't supposed to know this is these guys told me this is why Welcome, welcome.

Okay, you've heard a lot of things there. Yeah. Sorry. Don't want to happen again. Don't let that happen again? Okay, and the follow-up, I'll make sure. Okay. What do you think of all that?

That was some wild shit. Yeah, yeah. It's just, I don't know how it's happened. It just kind of happened and, you know, I don't know. So, I mean, he accused pretty heavily of he pushes for it. He does push for it. My biggest problem is I don't know how to transition. Own it all.

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Hasbro is not a sponsor of this promotion. From me paying his bills with his money to just it going over and where do I stop paying and he starts paying? And I know it's stupid, but I just... What's the confusion on it? I don't know. And he's not $50,000 in debt. No, he's not. That was confusing that you still didn't know even after you looked. You think that you're 50,000 in debt. 27.

Oh. 27 with his student loan. Yeah, it's done. Everything. Yeah, okay. Yeah. And his car. I don't have that in student loans. I have that car and credit cards.

If there's student loans, we didn't know that. Car. Yeah. Well, great. So he, all right. But no. If the three or if what was it, six, nine hundred dollars that he gives you? a monthly basis. If that is no longer given to you and he is logs into the account and sets up

auto pay to his accounts, you wouldn't have to worry. I mean, it would be as simple as that, would it not? I know, but this just isn't me. This got to take some responsibility for it, too. He likes it that I do it this way because it's easier for him. And I don't care what he says, but. Is that true? It is easier. He's just always told me, you know, when we first started on this, Just tell me what I need to pay you. And you pay me bills. The last couple years, yeah, he's been asking to, you know, transition it over to him. Why have we pushed back to the last two years, though?

Because let's say we didn't transfer anything. Why not the login? Why can't he have the login? I've given him his logins. No, you haven't. Well, I haven't given him his logins to his credit cards. Well. What logins does he have his credit cards?

He doesn't even have his credit cards. He gets one credit. He gets one credit card. Because he's not good with credit cards. Wait, wait, wait. You only allow him to have one of his credit cards? Yes. He has five.

Oh, he's got... He has more than five. But the other five have zero balances. That's why you probably don't have those. Because I keep opening up more and putting... You do. Zero percent. You're opening up cards.

You're opening up cards. And his thing? I transfer his balances. So, I guess... Yes, in my name. It's not funny. He'll use his credit cards for gas and food and stupid stuff that you shouldn't be used in a credit card food. Yeah, without my knowledge.

Yeah, I do. It sounds worse than it is. No, I want to be very clear. He's not going to do this. And so it's probably fine. But he could literally sue you for that. He's not going to. So I don't think that's where we are.

We don't have that dynamic. No, we have a good relationship. That is very technically against the law. Yeah, I know. Are you broadcasting this? No, there's not a cop sitting in another room. No, no. IRS sitting by.

All right. Yeah. No, no, no. Because again, that would be him taking some action. And he doesn't do his taxes either. And I've tried to get him. I did try. to get you to sit down with me once.

When? Like a couple years ago to help to go through doing your taxes. I don't remember that. Yeah, I did. You don't want anything to do with any of that. I mean, a little bit. That's why I've been asking you for the passwords. I need to get, it's embarrassing.

I really don't want to do it anymore myself. I'm just over it. I've got enough of my own bills to take care of, and my business bills and my house. and my household. I don't need his. So give me them. I know I need to.

Are you not afraid of him not being able to survive without you at all? Then why aren't you pushing him? I am. Because listen, if you're not, you say you give login, he says you don't, and then you say you don't for credit cards anyway. Listen, and obviously we hope you don't. Tragically pass away tomorrow. What is he going to do?

I know. So why aren't you pushing for that then? If you think about that all the time, you would be the one pushing him, not him pushing you, right? Because he probably doesn't even realize that your bills are probably a little bit more than 600. Are you subsidizing?

No. What happened was when my mom moved out or moved in with me and I moved him to my mom's mobile home, my mom felt bad for kind of forcing him to leave. So she kept paying the lot rent. So I don't think he's realized that he's never, ever paid the lot rent there. Big guy, you were complaining to me about the rent.

And I do pay. And by the way, I'm paying it. I do pay more on his credit cards than minimum payments. I don't just do that. How's it going up? This makes no sense. Because he uses them. And then he went to UK and then.

He went to the UK. Yeah. Yeah. What's the Zelling coming in of 1800? He had about 1800s of Zellos into his account. Do you know? For the U.S. Bank? I might have to keep you here because I like the whole conversation because you might have to be the one to answer the questions.

Zell come into his bank account. He had Zells in of 1800 total. In my checking account for I don't know dude. I'm just saying total across the month. Yeah. I'll put $500 direct deposit into a savings account and discover. Then he's sell over. So it's not new income.

This is just transfers. I didn't even know about that. And by the way, I have no access to his personal bank account at all. You drew that boundary. Yeah. Yes. I do not have access. Did you try to get access?

No. Yeah, I was going to say there was no real boundary made, but. No, I've never had access to his bank account. Nor do I have one access to his bank count. Well, he told Colton you're worse off financially than he is. Yeah, I am. Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history.

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have done with our programs go to dollar wise dot 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 dot com let's go then why would you be the one managing his finances horrible with money i am i'll be the first to admit that i am horrible with money. Then why is she the one doing it? Can someone explain this to me? Yeah.

Can someone explain this to me? Because he's bad with money. He's bad with credit cards. He took a credit card to a strip code and maxed it out. When he was 21. I was 21. Stole my car to go there. I met a girl.

Yes. I didn't know she was for before I met her. So then I had to go hang out with her. Yeah. And I decided I'll try every one of the beers there and get a bottle. little champagne in a private room. Yeah, boy.

You guys are wild. I don't even what the fuck is going on right now. Then I got an apartment with her and broke the lease. No, you did not with the fiss? Did you know this? That's the first time he moved out when he was 18.

What the Yeah. He paid his bills at that time, though. I didn't have anything. to do with your bills then. You found her moved in with her. Yeah, I was very upset. Was she at least hot? Oh, no. Guy!

She was okay. She was okay. I didn't like her, though. She did, she did pills and stuff. She was fucking that. Yeah, I don't know. Why were you latching yourself to her? And she had a one-year-old. What were you doing?

I don't know. Fell in love with her, I guess. A drug-addicted one-year-old. Well, I didn't know she was drug addicted until halfway through the relationship. Yeah. Really, you were living with her and you did not realize she was addicted to drugs. I mean, it came up, and then I, she went through rehab. We went through rehab? She went through rehab.

I know, but look how you're saying we? Like, you put her through rehab. No, because I went with her. How long were you with her? Oh, like a year. Thank God. I was so happy. And he finally left her, and she threatened to commit if he didn't come back.

Well, that's typical girl. behavior. Well, not really. Actually, that's not typical. Colton, what have you brought me? This is crazy. Can we see a picture? We're visual learners here on financial. No, she blocks me on everything. So I can't. She blocked you. Yeah. Cool. Yeah. I, uh, she, after she went through rehab, she relapsed and, uh, what was she on? I didn't even know that. The big age. Yeah. I didn't know what she was like? So caught her one day in the middle of the night trying to do it. In bed?

With you? I mean, she was in the bathroom. But I caught her and I laid out two lines of it and then said, let me finish. Let me finish. And I said, the only way you're going to do it is if I do it with you. Right. So, and she said, okay, let's do it.

And then I left and packed my bags and left that night. I was going to say, he has sent two trucks. Yeah. I don't even drink. He doesn't drink. I smoke. That's about it. Yeah.

That's legal. So is drinking. Right? If this is what we're learning about in the main show, I'm concerned about what we're going to learn about in the post show. Oh, boy. Okay. Well, this has been fun. How much of this did you know?

Oh, yeah. A lot more to go. This is blowing his mind. This is crazy. Oh. I hope nobody ever sees this. Yeah, definitely not a top-ranking show online. The best membership on YouTube.

That is true. Yeah. So it's okay. What the fuck is happening in Youngstown? Yeah, so you changed your... Is that why you wanted those codes? You changed your password. Yeah, I need to get myself into these accounts.

Okay. Okay, so, wow. What to ask. I'm just, I'm a little confused still, honestly. We need to get into these finances because this has been going for a while, but this is laying the foundation in a very, I kind of understand what is going on a little more now. Yeah.

But you are terrified that he is not set up. Again, he's the one that pushes you for the finances and you, that dynamic's not meshing. And it's got to be, you know why? because, to be fair, he is way better with money than I am. Then why is he the one pushing you? Why aren't you pushing him?

I don't know. Because I can't even believe he has savings. I didn't know that. It's probably more of, we'll do it tomorrow and tomorrow never comes. That's probably me. Yeah, but he says he's pushed you after you get back from the bar. What do you think of that accusation? I don't like the drinking thing.

Because that's when we fight about it. it is when I'm drinking. That's the only time I can really talk to you, though, because I got to sleep after work. And then by the time I wake up. Yeah, but you talk to me when I'm drinking. You know what that's going to lead to. I mean. Yeah, okay.

I don't know. Because then it just turns into a fight. Well, that's the thing. Why does that have to be a fight to get a password? I know. I know. Like, I understand the endless sometimes push tomorrow. I'm a procrastinator.

Sure. But if he's pushing you in the moment. I am a bad procrastinator. Sure. But if he's pushing you. in the moment to get the password. Why not just give the password? Yeah.

Because that's not a procrastinate. That's a walk over to the computer. She doesn't even know the password. She has to look it up. I don't know it off. Well, is it ran down? But it's at home. You said you're having the conversation at home,

so that's not a concern. But what I wanted to start with and when I gave him his passwords for was his lot rent, his utilities, his car payment, his auto insurance, everything but credit cards. So I thought, well, let's start there and get those. Those moved over and then see where we're at. I'm afraid to give him his credit cards because he's not real responsible. You don't have to give me the credit cards themselves.

And I've actually... He's actually... He doesn't want credit, but... Oh, I don't really... I'll need credit for a house, but... He'll use it. What does he want for his life? He wants a house.

He wants to buy a house. What else? No? I'd like to see him have more ambition. you know I'd like to see him hold a job you know he's gone through multiple multiple jobs and you know it's all been like stupid stuff

but you know he needs to build a foundation with the company what do you think about that? I'm not very ambitious I get off work and just play video games smoke but I also

feel like you know I get my paycheck I pay my bills. I put a little bit in savings. Well, she's paying some of your bills. A lot rent. Of course not. No.

So. And the ambition, you know, getting a house. It's all she knows. Oh, he's. Well, I feel like that's a long-term goal because I really don't want to. Do you know he wants to be an astronaut? I don't think he wants to be an astronaut more than he's just maybe like an astronomer. He's really interested in space.

more of an astronomer. I mean, it would be obviously cool to be an astronaut, obviously, but I don't think that was... That's what I was saying is, like, astronomers, they don't really make that much money. No. And I don't want to go into more debt for something like that. You probably still make more than you do right now. But you make an okay living for Youngstown. You're probably not going to get an astronomy job in Youngstown.

You're going to be ready for a university. Actually, Youngstown State University has a really good class. I applied. I got denied. Why did you get denied? Probably because I didn't provide enough. financial records or something. No, I didn't even know about that.

I don't know. I applied and they just sent me an email and I've been declined. If he doesn't have any independence, do you want him to find a lovely little lady, have a wife? Yes. You want a grandbaby? I want grandkids, yes. That is impossible in the situation.

Who would date, listen. I know. Who would date just the financial structure that we have discussed? Who would get involved in that? Well, he's cut. I mean, his credit score is great. It's more than just that. Someone's getting in and they know that their future mother-in-law is the one controlling his finances.

Well, that'd probably be a big secret if I got into a relationship. Yeah, something you would have to tell them at some point. Eventually it would come out. Yeah. Yeah. Eventually, this has got to change, obviously. I mean, at the end point. Less than addicted baby mama's.

Preferably. Yeah. When was your last long term? Probably three or four years ago. Okay. Yeah. Well, when wrong. Apparently we spent too much time together. She broke up with she, we, I like lived with her. I've known her since as long as I've been in school. So, and then we started dating after school. And then we hung out all the time. I always spent the night. And then she ended up getting me like a dresser to put all my clothes in or whatever. And like a week later, she broke up with me because we spent too much time together. in one week. No, no, just a week after she got the dresser.

Okay, listen, if you want that ultimate goal of which I support, you got to give him independence. This is like the first thing that happens when we land in Youngstown, okay? Right. It is full independence. Him, if he fails, let him fail. That is his to learn so we can grow from it. But unfortunately, his first failings that he's supposed to be doing from 18 to 24

are going to be done from 32 to 38. Right. I know that. And I know I need to let him do it on his own. So he knows. Hey, honey, it's mom. Did you know if we switch to Verizon, we can get four phones for $0,000 plus four lines for $25 a line?

Call me back. Me again. That's just $100 a month for four lines on unlimited welcome. Plus four phones, no trade in needed. Call me. It's mom. America's Best Network, Verizon. That's the one we're talking about.

I'll send you text. America's best network based on Root Metrics, best overall mobile network performance, U.S. second half, 2025. Four two lines and a limit and welcome and auto pay. See Verizon.com for details. Is there a part of just losing your boy here? Maybe.

I mean, I know you lost your husband tragically, and that's very sad, and I'm very sorry about that when he was 18, and he's your only kid. Yeah, and he was 16, and his father really wasn't in his life much before that anyway. Okay. So.

He's your only boy. I understand you wanting to baby and latch on. But the best thing for his future is him being independent and being able to make these mistakes and learn and grow. Right. Yeah. I know. I'm going to go three, two, one go.

On go, I want you guys to give me a score at the exact same time. This score is his finances. So what you think his finances are and what you think your finances are. Okay. I'll explain it. The score is zero to 10. Zero being the worst finances you can imagine. Ten being the absolute best finances you can imagine.

Okay. Okay. So again, it'll be a countdown from three and I'll point. And I want you guys to say what his financial score is. Zero out of ten. Zero out of ten. Same time. Three, two, one, five.

Okay, she thinks it's a little better. She thinks it's middle of the road. You think it's middle of the road? Yeah. Middle of the road. All right. If you want to see where you stand in the world of finances, take the Hammer Financial Score quiz assessment at Calebhammer.com.

It is free. See where you need to improve. See where you're doing well. And if you don't want to be like a guest who ends up on the show, download my favorite budgeting and a half dollar wise sign up for the free trial and if you like it sign up for the annual version to save a lot of money if you do i'll mail you our budget friendly cookbook that i will personally sign and send directly to your door go to dollarwise.com to learn more let's jump into these numbers honestly um at this point i thought i was going to ask for you to leave but the fact

is he's never seen some of these accounts i might need you to answer the questions on these accounts so i think i'm going to keep you here right okay i'm not even sure i could answer them especially about the credit cards. Oh, boy. Okay, U.S. Bank, you know, there's a crazy statistic or something that, like, 60% of Gen Zers admit bringing their mom to a job interview at some point. That's kind of what we're seeing here. But you're a millennial.

Really? I don't think I've ever done that. No. You're kind of doing it right now. Yeah, right. Okay. U.S. Bank. So, just tell me from your perspective, what is going on with this card?

I couldn't really say much. It's either that trip to the UK or just bull-stab purchases that have been. You wouldn't even know. No. What card do you used? No. What's going on with this card? I don't know.

I'd have to look at them each individually and I don't know. Hi, I listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers. in the resources section in the description below. The first one, I've moved my investments to Weeble. Do the same and transfer to my investing app of choice, and you get cash bonuses of $200 all the way up to $30,000,

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10 years. 13 years. What do you think? I would say about that. 9. nine, almost a full decade from now. That's if you don't purchase. That's if you don't do any more bullshit.

We know he does the bullshit. Percent interest ones I did. Zero interest charge, but let's see. No. What happened? It's got an interest rate on that one. No, no, it doesn't. What happened?

I don't know. Do we not know what happened at all? No one knows what happened? So you give mom the money to pay this. Right. It's late. There's a late fee added of three. $30.

What? This is why I tell her to put on auto pay. I can't do auto pay. Huh. Imagine that. I don't know how that. I know I looked at my... I'm usually never late on credit card.

Usually. Yeah. Yeah. And then until I look at my car payment history, there's almost 10 late charges. There is no way. There is no way. Yeah. There is no way.

Uh-uh. I... You have credit karma? No. By chance? Well. Yeah, sure. I don't have it on my phone.

Oh, what do you mean? Shouldn't everybody have credit karma? It's just checking your credit score. Whether or not you set up an account, I don't know. Oh. You're not born with a credit karma account. I set up the account. That's true.

Is that where you get his new cards from? No, not always. Usually just something in the mail that looks like I look for one that zero percent for like 21 months or something and it'll transfer. When's the last time you think she opened up a credit card for you? I would say the UK trip in March this year. Of this year, you went to UK this? When's the last time you opened up a credit card?

I would say six months to a year ago. I'm not sure exactly. We don't know? No. Oh, yo, dude. Colton says it's mostly your video game card. Videos sometimes. So I was not purchases on this one specifically.

I'm sure it was video games before. But again, it is $4,390. And it is interest for you right now. Let me see until when. Mostly until April. April. Which is not that long. No.

So minimum monthly payments. What are we in? We're in September. I'm going to call it six months until interest starts accruing. And now it's not like you're getting deferred interest. So I don't need you to freak out to pay this off early before anything else. Right. There's no deferred interest.

But even still, if you want to pay it. off before interest does accrue. That's still $731 to 75 cents a month. A month, yeah. How are we doing that? Opening up another credit card with zero percent interest. Oh, is that the, is that the strategy?

Yeah, until they don't let you. Right. Until you run out. Yeah, you can only, you know, there's quite a few open. Oh, we do have a PDF of your credit card. Do I or? Yeah, slack it to me 100%. So I want to see this car thing because it would note it would note on there.

Let's see. There's no mispayments on anything on his credit card mate. This was late. You didn't know it. It's not on there. So how are you knowing this then? I don't know. Because I don't believe that.

I'm logging into my Huntington to show you. Okay. Show me. Because that's where my loan is from through Huntington, through my bank account. So you have access to your car loan? Correct. It's not the credit cards. Okay.

I don't have access to his car loan. Then, well, hold on. If she doesn't ask Vaxis to it, why is the late on her? Because I pay it. I do pay it. How do you pay it if you don't have access to it? I just pay it through my Huntington. I have his account number and pay it through my online bills.

That's how I pay all his bills. Oh, okay. See, look, late charge, late charge, late charge, late charge. Oh, three. Late charge, late charge, late charge, late charge, late charge, late charge. How much for her? 35. That's pretty much a whole car payment.

Are you going to give him $280 now because that's what he lost, by you being late. Oh, no, he didn't lose it because I probably paid it if I did. No, it's just added to the overall balance. Right, it is. Which he gives you the money to pay, right? I'm shocked that that, I just don't believe

I ever paid it that late. I remember one or two times. It's almost every month. It's there. It's there. Like, I don't know what to say. It's there. I don't know.

It's there. And there's something in my coffee. So, yeah, that was eye-opening when I sent the statements over for that. That's when you learned about that. Yep. Oh. Did you know about the Lafie on here?

No, you didn't know, because I asked you what happened. No, I'm horrible with money. No, I... I know. You know what you should do? If she doesn't let you, just let him, by the way. But if she doesn't, just don't give her the money. Yeah, all right.

No, no, no, because then that I'll fuck you. Because then maybe she wouldn't pay and then it'll fuck you. No, I wouldn't do that. I would never... With his bills. Is it right? Shut up. I got...

One state. I've had one statement. I don't know what happened there. So let me ask you something. If I give you money, what do you do with that money? Pay your bills. You don't just use the money for something else and then pay it back for when your job or something.

Your money goes into my account. You direct plus in my account, and I just pay your bills when they're due. I used to keep track of it, but I don't anymore. It just became too much. Because I have this sneaking suspicion that I give you the money

and then you're, feel like you're able to go to the bar and then... Oh, no. I have enough of my own money. You're self-admitted bad with money, so maybe you'll use it as a way to subsidize something, then you'll pay it back once you get your money from your job. No. Or something.

No, it's not like that. That would make sense why all the late fees would be there. No, that's just being... That's just being lazy and stupider. I forgot that the bill was due or whatever. And then that's where auto pay comes in. Yeah, but I can't do auto. pay. Why? I never know when I'm going to have money in my account.

Whatever. Does he ever borrow money from you? Yeah, occasionally, but he pays me back, but you know what? You did ask me not to give, not to make you pay $600 a couple weeks ago. And you never paid that back to me. For what? You said you're going to pay me $700 for the next six months or six States or whatever. For what, Drew? My work's been kind of slow lately, so they were letting us go home. No, you said you're getting at 40. Huh?

You said you're getting 40 hours. Yeah, usually. But the last couple weeks... Your pay was higher in the statement I have than you even say you get. But what we're talking about, my job was slow, so we had reduced hours. They let me go home, and I didn't have enough, and I didn't want to take out of my savings. So I asked her if I could... Not pay that.

Not pay it. Is this why we spend almost $550 on going out to eat on a monthly basis and $650 on miscellaneous bullshit on a monthly basis? I, borderline, round up probably with everything else combined because we had other large purchase to $3,500. I don't know what that is yet. We're about to find out. You at minimum, minimum, minimum, minimum, minimum, spend $1,000 hours on bullshit. That does not matter. And you had to borrow $600.

Why not cut back in $1,000 of bullshit that you would have? That's what I would personally do. I don't have the money to cut back. Where's your independence? You're still swiping. She's not swiping for you. Yeah. I'd be opening them for you, but you're swiping.

I just get feeling like I need something. So you need to borrow $600 in order to keep that going? I didn't need to. He didn't need to, and he actually told me if you don't want to do that, it's okay. I can still give it to you. No, I just said, okay. Oh, fuck. Like, I had the money.

I just didn't want to pull it out of my savings. You know, and I pay for everything when we go anywhere. I pay for all her food, everything. You don't have to tell me because this isn't your financial audit. I know. Are you set for retirement? No. You should not be borrowing money from her, big guy.

Yeah. It's as easy as that. Yeah, that one's on me. I was just lazy. No shit. That's what I'm saying. I don't know. I want to see him get set for retirement.

Yeah, I would too. We, he has $467 in his 401K. At 32, he is not even remotely close. No. To be in set for retirement. In fact, I mean, the income, that came in was 5,610. Great. He had more hours that month, sounds like, right?

Or maybe it was a triple paycheck month. You know, sometimes those happen if you're biweekly instead of bi-monthly or semi-monthly. But how much was spent? What do we think, both of us? What do we think across all of his accounts? What do you think was spent? This does include interest occurring, by the way, because that is money that is going out. But what do we think?

What was the outflow of money? The inflow? 5,610. What was the outflow? Probably 65. Okay, so 1,000 hours more than he makes. That's horrendous. that's unacceptable.

Yeah. What would you think it is? Less than what he makes. It was $7,574.6. $2,000 more than he made. Wow. Retirement? That's not even a question at this point.

Right. Dying on the factory floor and 90 just to pay your bills. Yeah, I don't want that. We're the Hartford, with decades of experience ensuring millions of unique small businesses, when it comes to your small businesses, business insurance. Thank you.

One size, absolutely, does not fit all. Get a quote or find an agent today at thehart.com slash small business. You're still young enough. We're getting there. Compound growth, he lost the best decade of his life for compound growth in the overall market. That shit, it takes a while to get that, to get that compound growth going. He has delayed this by a decade minimum now.

Decade, minimum. It's been worse now than I'm 30. 32. Because you'd be starting this at 22 outside of college. Right, but that you get much better compound growth at 20 to 30 than 30 to 40. Yeah, that's what I'm saying. More time in the market. The longer you have, the better.

And it's gone. So young enough, no, not really. Yeah. I mean, the best time to start is always now, but he's lost the best decade already. That's gone. There's nothing he can do about it. So what's happening with the city simplicity card from your perspective? Just random gas, food, whatever.

I think that's the credit card he has on him right now. Really? You're okay with that? You're almost maxed out. Why don't you even have a credit card on you? Why aren't you doing debt? Why are you using a credit card? And he doesn't really need to.

I don't think. I'd rather put the money into savings, I guess. Is your savings rate higher than 30% of which is likely the interest rate on this card? Well, it should be 0%. $7 of interest is accrued. I don't think that was. Money's accruing. Listen, you have a balance transfer offer, by the way, it's not 0% as 1%.

That's until 10, no, about nine months from now. So that's a big thing to pay off, by the way. But you also have at 30%, 21.99%, almost $300 as well that's accruing. So it's not fully interest-free because there was a previous balance that wasn't paid off in time or, you know, that's purchases. The balance transfer was 0.1%. But anything you spend on here is still going to accrue interest at its normal rate. I didn't know it worked like that. Yeah.

And you owe $4,026.05 on here with a $46.88 minimumity payment. These payments are about to start stacking up, my dude. Yeah. 20 years to pay this one off, 19 to be exact, but 20 years. Two decades. Two decades minimumity payments only. And, you know, that's what we're doing. Yeah.

And that's if you don't purchase, this is your everyday card. And on here, I guess the balance transfer and whatnot is the UK trip. Why the fuck is he going to UK if he's not independent? And that might be the first time you ever felt independent. Well, what happened with that stripper thing, I used a credit card, an airline's credit card, and I ended up getting a bunch of airline miles, and they were going to expire.

With the stripper thing? With the, because I maxed out a card. For her? At the strip club? The strip club thing. Yeah. Did you at least get, like... Mother?

I don't... Can you close your ears? Yeah. Do you at least get laid that night? Yeah. Of course. Good, good. I actually do think the UK trip

The airfares were both paid with our mileage point Were you there? Yeah You were the I thought this was his independent I know I went with them What the fuck I thought this is the moment he was able to like leave the nest for a moment

And get a little taste of the outside world I couldn't just go to youth K and not bring her She's got to have some good. In fact, I would suggest. I mean, I'd go on a family vacation as well, sure, but I thought this was like the moment of like a little exiting the nest, a little taste test of the world. How long were you guys there? A couple days. What did the couple days?

You flew eight, nine hours for a couple days. How many days? Three. You don't go to Europe for three days. I know. It was stupid. But we went there because it was like a video game convention. Yeah.

Yeah. But I've been playing that video game since I was like nine. RuneScape. Wave the grandchildren goodbye. Oh, God. Yeah. Any single ladies out there? How much of this?

$2,000 for the three-day thing. Yeah. Yeah. And most of that was probably... Oh, you went there to meet your online friends. Yeah. that I've known for Why would you even go to that?

Why would you want to go to that? I don't know. Because I thought you guys were going to, you know, explore some history, get some. We'd go to Stonehench, kind of. Get some brown food with peas and things like that. I don't know why I went. I wasn't originally going to go, but I was worried about him.

And so I went. What did you think was going to happen? It was horrible trip, though, for me. Well, yeah, he went to a ruinscape convention and hung out with his online friends, his Discord mods. Like, I don't, what were you expecting to get out of it? Oh, God. I don't know what I was expecting.

I thought we were going to go see some sites and we really didn't do much. He just. There was no time. There wasn't no time. You could have had a good time over there. It's a little exotic. They still have their foreskin. Oh, God.

Right before my job is when we, the convention was. So I didn't really have time to stay there that long. That's why we didn't stay for, we only stayed. for a couple days, and I was starting my job as soon as I got back. Do you even do anything there? No. You were in the hotel.

We went to Stonehenge. That's it. We went to UK and we went to Stonehenge. It was horrible driving. I was afraid to drive. And she wouldn't let me drive. Guys. You were driving on the wrong side of the road with the stick shift?

It's hard. Why did you take transportation there or something? Like a tourist bus to it. I don't know why we didn't do that, but we decided to run a car where I decided. And it was so unplanned that Stonehenge thing. You apparently have to make an appointment to go there. You can't just like roll up to it.

Okay. So that hurt. So you were in the hotel at the convention though. Yep. Buddy, what the fuck are we doing? You guys are so interesting. TLC. Contact them immediately.

TLC, I get a commission. Contact them immediately. They need a show. The lives you guys live This is crazy Oh yeah Okay Okay

Yeah we've had a lot of interest this year so far How many times have you balanced a transfer On this card Is it just that one time? On that card Yeah We're on the city simplicity card Yeah

Was it just one? I don't know if I've done multiple credit cards And transfer them at the same time This year I don't think I've done any this year balance transfers. She's not sure. Yeah.

If you didn't do any this year, you've had approximately a late fee almost every month. Well, no. I haven't had a late fee. What do you mean? Not sure what you're asking now. Well, we have almost $200. The fees occurring that have happened this year

so far on this card. Some of them could be balance transfer. Some could be late fees. But if we haven't had a balanced transfer this year so far, they would only be late fees. Then no, they would be balanced transfer. Which of fees. Reminder, the card we saw just before this had a late fee this last month.

Really? I don't do that. How many? Your car? Eight. Eight. Okay. Yeah, I just, I don't understand that.

I think that's just this year, too. There's no way. I've been late every month this year. It's just, I don't know. I'm going to have to look into that. I mean, that, that, I mean, I can do the exact math. Late fee is usually like, what, 35 bucks? Yeah, that's what it was.

On the car, at least. It would be five months of this year. So not every month, but five of the eight that have been billable in this point. I have to look. Because I don't believe that. You don't believe, okay. It's impossible. Because the balance here, listen, if you transfer this balance in here this year so far,

if that was the fee, that means it would be similar to the number that's already in there right now. Like it wouldn't be paid down that much. Yeah. And this card is a 3% fee of the balance that has. transferred, which would have been about $115. We've had $192 of fees here. We've had at least at least minimum three months late

this year so far. There's no other way. I do not see an other way. Two to three. There's He's telling, he's looking at it right now. Well, no, I'd have to look at it. The math doesn't make sense beyond that. I'm pretty good

with credit cards. I just. Was it in the intro window? Because if it's on the intro window, it could be 5%. That would make up closer maybe one fee of lateness, but okay. All right, Amazon Chase card. What's going on? That's the card I have now. Oh, this is the card you have now.

Gotcha, there was purchases. Yes. That's just spending randomly on bullshit. I probably put like $100 on a video game on there. Did you pre-order Battlefield? No, that's up my computer. I had to get a whole new computer for that. Don't go into his room.

If his computer's getting that f-up No, they had to like secure boot or something What'd you spend $100 on? League of Legends I'm the closest you'll ever have to a grandchild I'm sorry No, that's not true People are gamers these days, gamers goon

In fact, honestly, some of the only Gen Zs that are Are like gamer men, gamer women That are meeting on Discord and like pound and flesh Because other than that, no one's meeting anywhere. No. Well, actually, you're millennial, so never mind.

I mean, you might be fine. I could go to the bar. Your mom's there. You know, go to the bar, though. Shut up. Well, I mean, like, she's trying to, you know, make game.

She can be my wing woman. Oh, yeah. Okay. Well, yes, Colton's saying he plays league, but you're also engaged, Colton. Yeah. You're also engaged.

You won. Gamer nerds, gay mer nerds, do very well. Twelve years to pay this one off. We can't, yeah, lots of interest screening on this one at 26.49% interest rate. We've had a late fee this year so far. One on this card.

Just one. Just can't believe about that. Well, this one I know for a fact. Like this one, there's no, there was no balance transfer. There's nothing else. This was a late fee. There's no other fee that would have been, unless we were over the limit and we had an over the limit fee, but I don't think that's done on this card. I don't think so.

So, and he did an Uber trip, I guess it looks like maybe it was from drinking. Yeah, be safe. I'm okay with that. I don't really drink, so. He doesn't drink at all. Do you take an Uber on his card? Why would I, no. I don't remember.

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Oh, yeah. You did take an Uber once. Yeah. Yeah. Okay. Well, that was that. But, yep, we've had a late fee. Do you ever use this on Amazon?

No. So I'm not going to look at your Amazon then, but. No. It's mostly her purchases anyway. But does she purchase on Amazon using this card? No, I have my own. Promise. I have my own Amazon account.

He will use my Amazon account. Okay. Because we don't want to pay Prime on $2. accounts. Which is fair, but that card's not attached. No. Okay. It could be, but I I'm not sure if it is. There's actually a lot of credit cards, but I don't

use his credit card. I use mine when I pay He uses his when he pays for his. Oh. So, I say, I'm joking. I'd probably use it if I buy something

on there just because it gets points, but. What's going on with the Capital One quick silver. Who knows? I'm just so over this. I need a drink. Oh, okay. What?

Noon. About that time? It's one p. on Eastern. Oh, yeah. Okay, well, I'll tell you, at least got to balance the $2,18.17 of the $65 minimum monthly payment. $70 to purchase is on here. Listen, that's as much as we put towards this.

So we're not making any progress. while $43.74 cents of interest accrued. 18 years to pay this one off if we don't purchase, but we purchase. Yeah, I want to get rid of all my credit cards. Credit cards just need to put being used, period. So they got to get paid off and then close them, I guess. You can close them before paying them many times. Take away the tool that is harming you.

Credit cards are okay, but not if you can't use them. I'll let you use the FIS card. It's one we advise, you know, a lot of our guests use. It's a debit card that builds credit, so it works. It only lets you spend what's in your checking account. Also, if you ever want to get a different job, I'll get you a course career certification as well. It's boosted a lot of people's, you know,

incomes that have used it from this show. A lot of people in the audience as well. So we'll get you those for free. But you can close them. Take away the tool. Listen, it's okay to have a hammer. But if you are a person for whatever reason that every time you swing it, it comes back and hits you in the eye,

don't pick up a hammer. And that's what a credit card is for you. Yeah, but it makes it easier. Does it? Easier for what? Just save. Save cash money, but you're not. Not you're not.

Not with this 30% interest rate, my guy. Listen, it's Wingstop, Amazon, and Oculus. We're focusing, and we did have Amazon a 41 bucks. To be fair, though, the Oculus. I do a thing with the Oculus. I'll buy it, and then within 30 days, I'll return it. So I'm just playing it for free, really. Yeah, okay.

While interest accrued on it, so it wasn't free. Small price to pay It's Oh God Dude I don't either Hey no leafies On the fourth card

One two and three yes But Making progress Nope Well the leafy's got lower $24.05% interest right? Yeah Dude guys

This is crazy $239 of interest this year so far What are worth thousands of dollars of interest Across everything Huntington this must be the car What is your vehicle? 2017 GMC terrain.

Well, you owe 14,400. That was 18. That's what I owe left. Right. The original was 18? No, no, no, no. When we bought it, it was 24,000 you bought it for. Oh, boy.

$14,463.98 is owed. And the minimum with the payment is 330, and that is chunky. You stacked out with your other minimums, that $3,600. isn't looking so yummy. That is 10% of your income already. Just gone to a minimum monthly payment. And that ain't right. 332?

330 is what to do, right? Oh, 400. It's 400. Yeah, it's 400. Looks like a 70 was paid at one point, and that's why Little S was due. 400 is crazy for your income situation, dude. That's crazy.

It's hard to find a car. You can get about a 10,000-hour car. We've seen it in the show. What do you guys think the car's worth right now? If you sold it private parties So on the high end Like 8 or 9,000 8,000

8, yeah 8,000 You're underwater dramatically on this thing Yeah 6,000 bucks 6,500 And then we had eight Late payments Since when

I think it was just this year I find that hard to believe That's every month That's every month There's just no way Show her I did screen record it Can you start a screen recording please?

No I looked at it Unless I have the wrong due date or something. I don't know. I have the fourth. It says the fourth. The fourth? Yeah.

Why not just auto pay? Auto pay would take care of this whole thing. You know how many hundreds of dollars in fees and shit we've had this year so far? I know. I've had his own finances because he won't put on auto pay? Since 2023. Okay. So since we've had the car loan.

Yeah. So last couple years. That's crazy. Eight is crazy. Yeah. I just can't believe that. but I guess I did. Well, it's a lot more believable over the past couple years than just this year alone.

Yeah. What's the interest rate on this car? Six. It would be there, right? Yeah, what it was. If it's six, I mean, that's not the absolute worst. I know it's not crazy bad. And looping back to something you said earlier, because I forgot about this until you say he doesn't pay his taxes?

He doesn't do his taxes. You do his taxes. Oh, he pays his taxes. It's W2. It takes two seconds. Yeah, he actually usually gets money back every year. That's also not good either. You're giving too much.

Yeah. You're withholding too much. Well, is that really such a bad thing? Yes, because you're giving them a loan at zero percent. Right, that's true, too. You could be paying off a 30% credit card or putting in a high yield at like 4%. I never thought about it that way. Yeah.

But I always just figured it's better to just give them extra and get a nice little sum at the end of the year. No, you would have that sum to begin with. Well, I wouldn't spend it at least. It is America's forced savings somehow. That is true. Oh, wow. Oh, she changed your insurance plan behind your back? No.

No. I don't even. What happened? I hit a deer and my deductible was like $500. And she told me that she can get me a cheaper deductible. And I said, okay, let's do it. And then she changed my plan from 500 to 100. 250.

250, whatever. And so they investigated me for fraud. And everything went fine. No, they, they, it was fine. Yeah. They paid the claim. And. Oh, boy.

But, but they raised his rate horrendously. So I had to change his plan. Yeah. So we changed two different insurance company after that. Go. Okay. Yeah, that's, that's a mess there. So 6% rate on the car.

Is that what we're seeing? I'm thinking that's what it was. I don't think it was any higher than that. It's not over 10%. I remember it being fairly decent rate when we got out the car. Yeah, 2023. How many rates were on the rise? Yeah.

Yeah. All right. Student loans. This was for your trade school, right? Yeah. And Pittsburgh Institute of Aeronautics, I would. No, this is just the trade. I think that one was paid off.

I'm not really sure that. Safe plan, but safe plan's done. Forbearance. This is probably done next what. Oh, Opie. Oopsies.

This is done at the time of filming this episode. Oh, is it now? Interesting. That is interesting. None of you knew this. I knew it was getting close. Yeah.

I had no idea. It's past. It's not close. You know what happens when this goes into default, right? Yeah. What? It goes into default.

He sends it to a collection agency. No, this is the federal government. It contacts your employer. and they garnish your wages. Yeah. We're seeing it across the board right now. People are getting their wages garnished. That'll be you.

While also having this hundred credit as in a... Yeah. That's not going to happen. I really don't even know what forbearance means. Forebearance is... You don't have to worry about it. The government's like just pushing it. I didn't know that.

I thought you could just keep on doing that. Well, you could request the forebarns, whether or not they accept it. I don't know. You know, new administration, new rules. But you can't just keep doing it because eventually you got to... Well, you don't have a bad income. so I don't know what excuse they would accept.

I mean, they are relatively lenient, but it's still a cruise interest, you know, in that type of situation, especially unsubsidized loans. Now, your first payment is likely due this month. It may have already missed. It may have not. You wouldn't be in default for that. That's what, like, it's like three to four months

where you get into default. Right. But you got to pay it. Well, I was hoping there was some kind of student loan forgiveness coming around the corner. Okay, that was literally four years ago and the Supreme Court said, No, three years ago.

So you're really holding on to that one? That's just on the back of my mind. On the back of your mind? Yeah. As the Trump administration suggested, they wanted to forgive student loans. No. I don't know. I'm not really into politics.

That's not being into politics. That's just being informed. Very unformed. And all that kind of stuff. Okay. $13,000 and $29. No, $13,0.309. $31.31.0.30.

$31.00. Because it's been in, you just haven't done anything. forever. Right, since COVID, really. Yeah, it's accrued $1,300 of interest. Yeah. It looks like they'll start garnishing

in April of next year, but your regular minimum monthly payment amount is going to be... Will they garnish even though if, like, say I start paying on it, they're still going to garnish, no, okay. So when it goes to default.

133 and 73 cents is your minimum monthly. Yeah. That gets thanks on top of the 400, on top of the 65, and the 80s, on top of the, what was it, $4,6,000?

88 and on top of the 74 is stacks. We're stacking. I don't know what the interest rate's going to be. It's likely it's 3.4. So it's not horrible. I would do minimum payment until it's paid off. I wouldn't rush to pay this off. Right.

You got to at least make your minimum required. Yeah. Is that it? Is that all the debt? Have we accomplished debt? I think we got through it all. He owes you money, though, right? No.

700. You forgave. I forgave that. Okay. We'll count it forgiven. Walt Huntington. Is this the one you have access to, or is this? his special...

I don't have access to any of his bank accounts. I apologize for the future OFF purchases we're about to go through. It's only... Yeah. That's... Oh, what? Well, I don't know. I'm just guessing.

Based on... That's what only... It is. Oh. Yeah. I've never heard of it. That's your retirement plan. I'm sorry.

I'm sorry. I'm sorry. You've probably seen it on statements. Oh, I think that. I have. It sounds so familiar for some reason. I was joking.

It doesn't sound like a site. Only. You can make other content on there as well. Just no one does. I was joking because I don't know

what's in this. How did myself out there, huh? Watch it not even be in there. We'll see. Right. Okay. So this is what happens when you manage your finances,

by the way. What do you think? happens when he manages finances, what would you guess? No, I just think he just spends frivolously. Let's try six overdraft fees in this last month. They're reimbursed. Forgiven, yeah. Yes, but you did it six times, Guy.

Calculatedly. I knew I put money from my savings account in there to stop the overdraft fee. Ended with $116. Started with 66. That's dangerous. How the fuck are we doing that? We're doing some cash with Charles. What's all this cash going?

470, 100, 140, 90. 41, 421, 110, 402. Where is that all going? Stripped? Probably haircuts and... Dude, you got like a buzz cut. You're not getting more than a haircut a month. So the rest of it's going to...

How much are we spending on a monthly basis? How do you feel about this? I don't. Probably like $200, $300. Minimum. Minimum. Trading Es Schwab is now powered by Ameritrade. Unlocking the power of Think or Swim. The award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Thinkerswim desktop with robust charting and analysis tools,

all while you uncover new opportunities with up-to-the-minute market news and insights. ThinkerSwim is available on desktop, web, and mobile to meet you where you are. It's built by the trading obsessed to help you trade brilliantly. Learn more at Schwab.com slash trading. There's something else there that we're not seeing because a haircut is not $470. No. But you withdrew, what is this adding up to? About $700, would you say?

$700 in cash. That's a lot. I can't think of anything. Not strippers. No. No, he doesn't do that anymore. No, I just stay at home all day, really. He really doesn't go anywhere.

It's expensive gooning. It's a smoking. Purn-chatsworth. I mean, maybe going out to eat. What is per-per-chatsworth? I have no idea. Buddy, you spent $35. $0.20 on per-per-chatsworth.

Per-per-chatsworth. I'm going to sound familiar Well, it was on your own prison You can't deflect this one Because you're the only one that has this I just have no idea what that would be Sometimes statements They're not what they are

Or they are But they're named differently Than what you buy You know what I mean? It's a bong It's a what Bong Bong

Bong A bong A device to smoke from It might not be a bong It might be a fucking I'm trying to think of what I've bought That's what their website is though It's devices to smoke.

Oh, okay. There's the delay. Yeah, there was like filter tips, but I ended up returning them, I think. No, I didn't. But no, I remember what they are now. Oh, my gosh. TLC, get in here. Okay.

Vending machine, it looks like, have a house, Havana house, Havana house, Havana house. Dairy Queen going in, getting some bullshit, going in, getting some bullshit. What is this going in? You're stopping in and getting like $4.35. Of something. What, gas stations? Yeah. Just snacks.

Why don't you go to Costco or Sam's Club or even Walmart in bulk? Well, a bag of chips is not, a small bag of chips is not worth $3.25. It's just all my way to work, all my way back from work. You know what else is on your way to work the pantry in your house? That's pretty empty. Yeah. Fill it is what I'm saying. It's more cost effective.

Exactly. He eats out all the time. Oh, I'm being told this muffins of the guys. gas station. I got some muffins at the gas station. Muffins? Are we talking like the bag of muffins? It was jumbo muffins.

It was just one big muffin. Like a big muffin. Yes. Okay. Venmoing out. East Point Place 250 bucks. No, no, no, no. No, no.

That's a Venmo. Sorry, sorry, sorry. No, that's going in and getting some muffins. Muffins. Muffins. Muffins. Muffins. A lot of muffins, guy A little muffin top I see it

Muffins, muffins Fiery AI Amazon Amazon He said you don't do Amazon Sometimes Muffins That's probably dog food and stuff

Team purchase muffin muffin muffin muffin muffin Dunkin That's our empty pantry We're just going on Dunkin' Donuts Cash app Muffin Adam May

Adam May Inc What's that? It sounds familiar I just can't think of what it is Oh, it's going in for muffins. It's a convenience store. Muffin, muffin, muffin, muffin, muffin, muffin. Muffin, Muffin, Muffin.

McDonald's, Muffin, Muffin, Muffin, Muffin, Muffin. Cash app, Muffin, Muffin, Muffin, Dairy Queen, G2A. It's a gaming website you buy games. Dairy Queen. Probably muffins. I tell you're getting groceries to the dollar store. Oh, this is crazy. Muffin, video game, video game, muffin, Poland, Ballaria.

That's a pizza shop. Oh, muffin, muffin, cash app. Muffin, muffin, muffin, Fortnite, Muffin, Muffin, Muffin, Dairy Queen, Muffin, Muffin, Muffin, Muffin, Muffin, Muffin. Muffin, Muffin, Muffin, Muffin, Muffin. This is crazy, dude. This is insane. This is insane. Fireworks, Muffin, Muffin.

I did a raffle out of firework, that fireworks thing, and I put in $100 a raffle tickets and won $1,500. $100 in fireworks. So. Great. Great. What if you didn't win? But I did. Muffin, Fortnite, Muffin, McDonald's,

Popeyes, Amazon, Dairy Queen, muffin, laundry room, laundry room. I'm okay with laundry room. That's fine. Dairy queen, muffin, muffin. Where's that? Clean and quick laundry. You're doing that.

Muffin, muffin, muffin, muffin, muffin, muffin. White Pages. Huh Yeah Why? I did that a long time ago And just never canceled the thing Muffin Muffin Muffin Muffin Muffin Muffin Muffin Muffin

McDonald's Muffin Muffin Muffin Muffin Muffin This is crazy How close to see to this gas station Don't work cafeteria So A few steps away 365 market Yeah

That's your work Mm-hmm Yeah McDonald's Telegram, Fortnite Muffin pizza Muffin Muffin. Furry resort.

Are you a freak? No, that's, that's, that's, uh, the, his dog's boarding. Grooming place and stuff. Overdraft, overdraft, overdraft, overdraft, overdraft, overdraft, overchaf, overchiff, overdraft, Zell, $500, $500. Crazy. All right. Uh, yeah, total overdraft fees this year so far.

465. None of that got paid out, though. Uh, no, 465 have been charged. refunded $360 So why Yes Come on, dude

$3,000 in this checking account Is this the one she has? No, that's my savings account Discover I don't really know anything about that account Okay yeah

I mean yeah you got like $4,000 bucks here $4,397 I mean that's good One good thing Why are we not paid off debt I'm a little confused Because I didn't know which one I should pay

Where's the checking account That you guys both have We don't have one together So he just gives To you, gotcha Yeah, he just direct deposit money into my account. And $465 in retirement, okay. Yeah.

Oh, boy. Let's see if we can get a budget going. And this is going to be 100% from you with Mommy no longer involved. Do we agree on this? Are we at least aligned on this? Yes. I agree for sure. Okay, thank you.

Good. Income on average, sometimes higher, sometimes lower, $3,600. Debt minimum monthly of 807.61. What will his rent be once he takes care of it and not him? 500. Okay. What about utilities? Does that include it and everything?

No. Okay. Utilities, internet, gas, electric, all that good stuff. How much is that going to be? Maybe 250, 300? Maybe 300. That includes... I would have no idea.

That includes his gas electric, his phone, internet. Phone. That includes phone. Yeah. Okay, we'll cross the phone. Okay, gas, boom, boom, drive, drive. Car gas. How much?

A month. I'd say like 120. Car insurance. That's new, so... I know for you. It's like two months old. 60 maybe a month? That cheap?

Yeah. Oh. Okay. 60. I'm pretty damn sure. You can do three? It could be 80, but it's... I'll do 80 to be safe.

Yeah. We'll do 300 dollars for groceries, yes. You can do it. You have to meal prep. You're cooking a few times a week and you're warming up things and you're doing overnight oats and stuff like that, okay? Yeah. You can do $300.

You can do 250, but we'll do 300. We test it and prove it every single quarter. The moment you need more, we will allow more. You can do 300. Okay. Use everything we do in the budgeting class. Go through the budgeting class, okay? TP fun.

This is anything else you need. This is toothpaste. This is whatever. This is a wife goon. $100, okay? Medical health care. Are there co-pays or anything you need to do on a monthly basis? I think it's $20 co-pay.

Is that a month on a month? No. Oh, if you go in. He doesn't go to the doctor. Is there a gym? No. No. I should probably start one, though.

I'll put in 30 bucks. We have a pet. A dog. Age and health. Two years old. Um, good health. $50 for pet insurance. Get good pet insurance.

Good pet insurance. It's a scam shit out there. No, I don't. I never did it. Oh. You're $50. How much for dog food? Uh, probably $80 a month.

Anything else that needs to be in your budget that I have not put in? I will put in $50 for subscription. in gaming. Okay. I can't think of anything else. Actually, let's see if we can put in a hundred. I'll try a hundred. Anything else that needs to be in there?

I don't think so. Nope. And I'm sorry, I don't have a fund. Yeah, I learned my lesson from that. I haven't even been to a strip club since. Got yourself tested afterwards? Oh, yeah. Well, it's scary.

Yeah. Oh, yeah. I didn't realize she did. Okay. Listen, you got $1,132.32.39 left over after your minimum. So let's allocate that other $132.339 to fund. I'll say you have $1,000 left over to throw towards that on a monthly basis, okay? Okay.

Which gives you $232 and $39 of fund money on a monthly basis. Seems like a lot. I feel like I could cut that down a little bit to pay off debt faster. If you choose to, yes, but I'm not requiring you to. Listen, I think the car, if it is at the rate you suggest that I would do minimum of the payment until it's paid off, Same with your student loans. Right. So minusing the car from the credit card debt,

we have $13,369 and $40 a credit card debt. We know the math. At 1,000 hours a month, that is just literally 13 months. That is not bad at all. 13 months, you do that, then we save a fully funded emergency fund, which at this point, it looks like with your minimum fee payments and everything required, it's going to be about $12,000. No, $10,500.

called 11. So you save that up over the course of the next because your minimumity payments will be substantially lower by 807. No, by lower, you have the car payment and stuff, but about $400, $300. You'll save up that fully funded emergency fund in about nine months.

So in a year and 10 months, you have no bad debt. The car is not great, but I think you can minimumity payment until it's paid off because we need to catch up in a retirement. Yeah. At that 6% rate. That the car is at. Yeah.

So 10, I'd say a year in 10 months, you're debt. have a fully founded emergency fund, and then I want you to live 50, 25, 25. That is 50% of your income on needs, which I think you can do less if you maintain this. But if you go and live in a different apartment, 50% on needs, you can totally do that

because your lifestyle will be a little lower without the debt minimums payments as much. 25% on fund, 25% to retirement. That will give you the time in the market and the percentage necessary to have a very dignified and happy retirement. How do I do that in my, like, the 401k I just put in 25%.

I would take your match up to your match. Then I would max out your a Roth IRA. And then anything after the Roth IRA that contributes to that 25% if you have anything left over after you've maxed up your IRA, contribute more into your 401K. And make sure if you have the option, which about 50% of employers do offer this, you take a Roth version of your 401k.

So that by the time you're 59.5, if you want to retire then and you're taking out penalty free, the money's already been 10%. or you're not getting taxed on the growth of the compound, okay? Okay. That'll be the goal. Take the investing class as well. That'll walk you through all that.

Take the debt class, take the budgeting class especially because that's what matters right now. Investing as we go through the follow-ups with you, we'll get more deep into that, okay? Okay. Guys, I already have notes of some of the craziest fucking shit ever in my life that we're going to talk about in the post show. So if any episode you've ever needed to join Hammer Elite where you get three premium shows posted every single day, money through Friday, this is the one. Click the join button now or the one. the link in the description. There's a little bit of a search charge on the join button due to the iOS tax tax, the Apple tax. But Hammer Financial Score. Spending your budget, you overspent, zero out

ten. Debt. No collections, but it's worth. Behind down a lot of payments. So one out of ten. We're all lots of late fees. Emergency fund. Savings six thousand. Oh, there's six thousand in there, right? There's probably about 4,500. Forty-five. Okay. Take out two thousand, five hundred, throw towards your debt. That speeds along. That, in fact, we'll pay off the quicks over card and get rid of the payment of $65 that rolls into the next. So there you go. You're probably a year and a half fully funded emergency fund and paying off all bad debt.

There you go. Take it down to two. Okay? Yep. Good. So emergency fund right now, uh, four out of ten.

Retirement, one out of ten. At least you started, I guess. Zero out of ten for real estate. No, I can't even count that as return. I'm sorry,

zero out of ten. Ah, no, one out of ten. I could sell it and get some money out of it. Technically. Hammer, The financial score rounded up barely got over the threshold for the roundup.

1.5 out of 10. Guys, Joy and Hammer Elite, this post show is about to be insane. I'll see you there. This is fucking crazy. She convinced you to take out $2,000 from your retirement, but not just take from retirement because you had fucking IRS that. I never pulled it out. Well, it was.

What the fuck was going on? That is crazy. Shelley's friend stole Drew's identity. This is absolutely crazy. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. Enjoy more ways to save at Ralph's like low prices in every aisle.

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