Financial Audit - "High-Value Woman" Is Actually For The Streets | Financial Audit

Episode Date: July 25, 2025

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My name is Harmony. I'm 28 years old and I'm from Fort Worth, Texas, and this is financial audit. Why does your name and your location have to have so many R's in it that is very, like, racist towards your mouth? I ask that every day of my life, honestly. It is such a mouthful. That's what she said. What do you do in Fort Worth? Sorry.

Well, that's the one time had to get her over with. Please go. What are you doing for work? Currently do not have a job. As of last Monday, I quit my job. I was a Starbucks priestess for seven years. And I just... Oh, this is going to be so hard not to mimic.

Okay. Feel free to, honestly. Okay. Why did you quit your job, your Starbucks job? I was there for seven years, and I went through seven store managers. Okay, well, yeah. It's, you know, working in food service, people come and go. Yeah, well, he was awful, and I've gone through my third.

share of our official managers. And after that, like, we had a terrible week and I was just, I was done. You're just hitting them. You're hitting every word you could possibly hit. I can't hear it. I can. I cannot hear it at also. I'm sorry.

I haven't processed anything you said. I. Okay. Yes. Okay. They suck. And you left. So I resigns.

I just straight up designs. See, people would say quit, but because resign has an orange. it. Well, I did. I wrote my letter of resignation and I gave it I wrote my letter of resignation and gave it to him and I said here, like I'm done. Ladies and gentlemen, this is going to be a hard one. This is going to be a hard one.

Well, I'm glad you like it. I think it's hilarious. I mean, why did you quit? What was the actual reason you quit? All right. So it was a mixture of health reasons. I have pots and it was just getting real bad. It's, I can't, it's an acronym. I forgot what it stands for, but it's, but I have pots. And so it, I was getting well, like, worn out because I go eight hours a shift and I don't, I rarely get breaks. Like, I sit down maybe for, just stop talking. I'm so

sorry. Stop talking for a second. It's not fair. It's not fair to you. It's not fair to you. It's just more words have ours in it than I've ever recognized in my life. Yeah. And then you hear someone speak and you're like, oh. So what are you going to do if you have pots then? I would like to look for like an administrative job or something where at least it's not as heavy. Certainly not customer service. Yeah.

So I have been applying a lot to city jobs like in where I live locally. There's been a lot. There's been a lot. I've been doing that. In the meantime, I'm doing DoorDash. Can you survive off a DoorDash? I mean, for the Earth is, you know. People do.

I prefer not to. That's not what I would like. Well, you prefer not to. Yeah. I mean, we're asking if you're surviving. You prefer not to survive? I prefer not to do Doordat. Like, survive off a DoorDash alone.

I would like to actually find a job. But you are. Are you surviving off a DoorDash? At the moment, I mean, I've only been out of work for a week. What do you think is going to be coming in from DoorDash? How many hours are you putting into DoorDash? I don't know. I just started. So, yeah.

Wait, you quit before. I know the Pond situation. Yeah. That certainly sucks. But you were able to put up with it for years. Yes, for seven years. We could have started at least waited until we got to. a job for another six months. And that's what the plan was is I had it lined up where I was like on my way out.

I wanted to find a job. I was applying to things. And then crap hit the fan with my. When did you decide to quit? Last Sunday and I quit Monday. So you didn't allow yourself to actually think about it. I did. I processed it. Well, it's been, I've been thinking about it for the last three weeks before. Okay. So, okay. You're thinking about it for the last three weeks before. Yeah. If you're thinking about it the last three weeks before, why in the last three weeks before did you expect? almost $500 going out to eat. Why did you spend almost $300 of miscellaneous bullsh?

Why did you spend that much money on dumb assery? Of the large purchases, $500. If we're considering quitting, we don't have a job lined up. I wasn't. No, if we don't have something. It's not. What? What?

I didn't know how much I was spending. I don't look at my account. Yeah, but you're considering quitting. So that's when we start changing things, right? Okay, I understand. I started to. I started the chains. slightly. I was doing better

at not eating out so much, but then like I get hungry. You're considering quitting you didn't have a job lineup. How are you paying for rent? I don't pay what. You don't pay. Do you live with your mommy and daddy? Yes, I live with my parents, yes. I moved out. I moved out with my neighbors. And I moved out with a best friend

of mine. I moved out with them. Okay. And that was bad. They did not pay it. The neighbor did not pay rent. Well, it was my best for me. out with my best friend and we Yeah, best friend. Okay. Yeah. So I meant, I don't know why I said neighbor.

But we moved out together. It was me, her, and her fiance. And it was like $1,200 a month and then with utilities. And she had a job lined up and then she quit her job. And she was like, okay, well, I don't know if I can make this month's rent. And I was like, okay, well, I'll cover some. And you can pay me back later. That never happened. She never found a job her fiance. But what's to say you can't live on your own doing that last job? And then you wait and you get another, maybe you get another roommate. But what's to say?

Well, I, so it put me in about $7,000 with a debt because I was using my credit card at the time to pay for rent. Was she on the lease? Yes, she was. And on the lease, did it specify that you guys would be splitting? Yes. Okay. Then there we go.

She would have been held accountable. I didn't know that actually. I didn't know that she would be. Well, it depends the language within the lease. It was, I don't know. You were paying your rent on time, correct? Your described rent. Or was there the rent for the apartment?

It was just a rent. We were all three signed under the lease, but there was a total went for the apartment. Okay, that's different. So that's then you guys decided what to split. Now, the fiancé, why wasn't the fiancé stepping up and helping? He worked part time and he just wouldn't. And are you saying all the debt you're in, all of it is because one person didn't pay rent? I wasn't in debt until I moved out.

them. Okay, but was it all because someone else didn't pay rent? It started that way, yes. Started that way. And then, well, then I was like, okay, I'm an $8,000 worth of debt. I don't know how to deal with it. I didn't know what to do. And I kind of just buried my hand in the sand like an ostrich and just didn't deal with

it. You're $23,000 to death. So obviously, it's not just the $8,000 of credit card debt that was picked up from a roommate. Some of it is like a call loan. So it's not all just. Well, a car's good. Yeah.

And I didn't calculate medical debt into that. maybe it's not calculated into it. I thought it was the care credit like symphony. Oh, that's such a minimum part though. That's such a minimal part. And then I have also had to put dentists like expenses on that card. I can't credit, which is a minimal part? No, not on my chase.

I've had to over the, like I think in May I did $1,000 on my. So what are you doing now then to actually pay this off? Obviously, you're not right? Well, I'm paying, but I'm not doing a whole lot. How can you pay you? I have no income. You just quit your job. without anything lined up.

What do you mean I'm paying? That doesn't make sense. You're not paying. Well, I'm paying the minimum at the moment. How? You don't have an income. DoorDash is like, I will figure it out. DoorDash, you've got a week.

You don't know how much is coming in. No, I don't. But enough that I think... You have a stock portfolio, but looks like that's going to have to be drained in order to survive. 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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Yeah. I mean, I know it's bad. I know it looks bad. I mean, meaning it comes for a driver like that is seeing about six. 16 to 17 an hour. And I don't even know if that's before or expenses are after because you have to put in, you know, in terms of rotating your tires or even getting new tires,

that comes quicker. Maintenance has to be more. Got to do more oil changes. Gas is certainly expensive. And by the way, yeah, you have to pay self-employment taxes on those. I'm not going to be doing Doodash the whole time.

You're not. How do you pay minimum monthly payments if you don't even know how much is coming in? How can you guarantee that you're able to pay the payments? I'm going to be looking for another. I'm looking for another job still. Looking. You should have been looking before you left, though. I was.

How long were you? For about three months now. Okay. Come on. Then you could go at least another three months. Because now you've just abandoned everything and now you're putting yourself in a position. I do. With the way the management was with how bad he was, I rather have a peace of mind.

Okay. Go to a different Starbucks. I could have. Unfortunately. Has some more. Why? Tell. Because I actually got a write up.

and when you have a write-up, you can't transfer for like six months to a year depending. Why did you get a write-up? First time, actually, I ever got a ride-up seven years. But I got a new phone. It had an update system, like security system. I didn't realize when it does that, if you don't unlock it, the alarm didn't go off. So I was supposed to be up at 4 a.m. My alarm did not go off.

I slept through it. I woke up two hours late. And with that... How long does a write-up stay on your record? I can't remember a couple years. So... For two years of showing up late once for a... what would have been a reasonable manager would have at least understood.

Because I was a shift lead. And so with that, I delayed the store opening. So that was that. Yeah. So because they lost money. And yeah, I agreed with the decision.

It sucked. But that was. Well, listen, if you're making median 16 to 17 an hour for the driver in that area and the livable wage that we're seeing, the livable wage is considered about $23. $0.86 an hour in Fort Worth. I'm assuming out of 40 hour a week.

And who even knows how many hours a week you're putting in at your median hourly income for a driver in that area. So you owe your parents nothing ever. How long have you lived at home? Two years. Two years. Then what the fuck is wrong with you? Then I, then honestly, everything you just said has been completely negated.

Listen, $8,000. No, one second. If you got $8,000 in credit card debt, I can empathize that from a roommate not paying a rent. And I understand if the entire pile was a fucking douche for a second, I can understand that. But if you lived out home for the last two years and you didn't have these high, If you didn't have a $1. Overhead, then you pay down debt, but that's only gone up to 23. I did pay it down.

What the fuck? Because that's even worse. You just made that even worse, worse. Because now that's higher. And then other things happen. This is not all medical. I see your spending. No, but yeah.

Then you're not going to just lean on medical. And I don't want to hear about medical because obviously I wouldn't call that out. It's the bullshit. I was paying like $300 to cover for like insurance. $300 is nothing when you're not. No, no. don't have an overhead. Yeah, no, to my payments for like, 300 for like insurance and things.

And then I asked, I asked. I asked. You can afford that when you live at home and don't have any rent. Well, because I don't have a job right now. So I asked if I could stop. Last week, last two years, though, you did. I mean, I was paying them, yeah. Now there's no issue.

I don't understand using that as an excuse. Please try to tell me. What the fuck you're talking about? I did, like, so at the moment, I'm not paying my payments. Like I was. So we know what came in. What was spent? What was spent?

Because last month, I mean payroll $2,000. Okay, so what was spent? What was spent? The month that you knew you were going to be quitting because you're considering it for about three weeks and then decided on Sunday and then left on Monday. Go ahead. What was spent?

2,000 came in. Please. Living at home. Living at home with no overhead. What was spent? I think. It was about 2000 when I looked at it. Yeah, that's really interesting.

It's about $2,763. 38 cents exactly. So what the fuck is wrong to you? That's not medical expenses. That isn't medical debt. That isn't paying for a roommate over two years ago. 500 was quite a medical debt. Doesn't matter.

Doesn't matter. It doesn't matter. doesn't matter. Then you cut back on other things. If you had $500 a medical debt, you don't spend $500 and going out to eat. That's how that works. That is how math works. You live at home, there is no overhead.

I bet they even cover groceries. I mean, yes, but I do also buy my own groceries. Uh-huh, but they do pay for groceries. Yes. Mm-hmm. But it's just... That is unexcusable. I wasn't even looking at it.

You will never be able to move out again. You shouldn't even be considering quitting if you are already spending more than you bring in when you're bringing in money. I don't regret quitting at all. Like, that's not as a... You should. And that's not... a mistake that you don't regret it means you haven't learned a single thing.

However, it's only about a week and maybe you'll see the consequences of your action soon enough. I prioritize my physical mental health over a job. I mean, seven years, I was there for seven years. That's the thing. You were there for seven years. You could do another three months to set yourself off for a better position. Guess what? You can't prioritize physical and mental health when you don't have the income to be able to pay for physical and mental health services.

My physical health, like, there's several times. and mental health services costs money. But I was bedwined several times because I wasn't able to do the job. And they didn't write you out for that. No, but he was like, I'll cut back your hours and he never did. Like this was a conversation we had repeatedly about things he needed to fix or things he needed to. It was before or after your write-up? This was before.

That's when we transferred because you're an adult and you have the ability to. It wasn't that bad until after though. Okay. Then it sounds like we are changing our tune and pushing the goalposts extendedly for. It's been a consistent thing with the job of him progressively getting worse. Oh, there we go. Then it sounds like we should have switched. Listen, you have a bad manager.

You switched before the write-up. When was the write-up? It was probably March. This isn't working. You had time. How long have you had this manager? Since December. Mm-hmm.

And- I understand he progressive gotten worse, but as you start to see signals, and especially if he is telling you that he is not going to, if he tells you he's going to cut hours for your health, and he doesn't. And you specifically told me that that started to happen before you got ridden up. You transfer. That's on you.

When you go through seven store managers, you see progression. Welcome to food service. But you never know how the one can start out bad and be great. So you don't know until it hits the fan. Dude, this is the most food service thing I've ever heard. We all know this. Anyone that's ever worked in food service house at Jimmy Johns for like three years. This is incredibly common.

This is just this kind of you have personal responsibility in this. Yes, he was a shi manager. That sucks. You had personal responsibility on this. Well, it's done. It's done, but what your response to it, that isn't what needed to be done a week ago. You could have put in another three months as you looked for another job. You stuck it out for seven years.

Listen. It just hit a head with me. I agree. Physical health and mental health, it does suppress a lot of things. However, however, when you get to the point where you are still clearly able to demonstrate that you were able to do the job, you work the hours and don't get another job, because now you are delaying your life substantially. You are delaying your ability to move out. You already were by spending more than you brought in. I mean, I'm not planning on moving out.

Great. Yeah, let's live at home forever with Mommy and Daddy. Come on. I mean, until I get married. So I'm totally fine with whatever. And we have a fiancé? No. And we have a boyfriend?

Nope. So we're Mommy and Daddy's a little failure, it sounds like. I mean, my parents are totally fun with me living at the house. Right, they're enabling you. They're enabling you. They allowed you to leave your job and they allowed you to spend more money than you made and said. They allow me to do anything. They can't tell me no.

They allow you to do anything. There it is. Yes, they can say you can't live here anymore. They can, but they haven't. Exactly, which means they are enabling you. Listen, I mean, that is what this is showing. The fact that they allowed you to spend $2,750. I mean, they don't know what I spend.

They're not. Well, that's another joke thing. Do they know that you have debt? Yes. Okay. If they know that you have debt, they should be encouraging proper behavior around you getting rid of that debt in order to live there because they are subsidizing you at 28. It is not necessarily bad to live with family. I'm not suggesting that.

However, the circumstance and context around all of it is what is important. And let's look at your behavior as you have lived there. They don't realize how much debt I am. Like they know I'm in debt. They just don't know how much. If they are responsible parents, they would have those conversations because, again, they are subsidizing your life. Well, I mean, I'm an adult. So why would have?

subsidizing your life. It is not you an adult. They are subsidizing your life. You're right. They shouldn't know. They shouldn't ask if they weren't literally subsidizing you. But because they are allowing you to live there at 28, they should have some knowledge so that they make sure they are not enabling

bad behavior. It is not getting knowledge so that they can be involved in your life, involved in your personal life, so they can get in and control you. It is not that. It is so that they have some kind of understanding of at least what they are supporting. It's a baseline. They You get a baseline. It's not going through every purchase, but it's like, oh, what kind of debt do you have?

Oh, okay. Hey, you live your rent free? Let's focus on paying that off. And let's make sure we're not just support. But you, you spent $2,750 when you have no rent, no grocery bills. But they don't know that. They don't realize how much I've been spending. And you can't also tell me that you're trying to because fuck you're not.

That's a literal lie. I've paid a couple of it off, like, not off, but I've been paying. Girl, your debt's only gone up. I don't, I don't give a, like that's. 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. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises.

It matters where you stay. Hilton for the stay. There's a lie. portion and then it got went back up because of other expenses that I made. Yes, going, fucking around. And now she's going to say medical debt, boo-hoo, a couple hundred-hour medical debt that pops up. When you don't have overhead is affordable.

I mean, I did have another thing I'm at a bull-stress. I just paid off. When you cut back on bullshit, though, that doesn't matter, is the point. I mean, I like, I like coffee. I like having that stuff. It makes me feel nice. And you like never moving out and never. being independent. No offense.

Let's just talk about the dating pool. This isn't just a man looking at a woman because this could be a woman looking at a man. But let's do the man looking at a woman in this situation. Who the f*** going to look at you and be like, oh, there's that deadbeat that has never paid off that, lives a home spends more than they make, has absolutely no career progression or ambitions.

Yes, let me wife her up. That sounds like someone I want to spend the rest of my life. Be a trad wife, like, you know, stay at home. Could do that. No, no, hence. You look the opposite of a trad wife. You're wearing a fucking fishnet. Yeah, I don't want to be a child wife.

Okay, well, there's also that. So. But like, you know, like, I wasn't in debt the whole time. Actually, it was really good to finances up until the roommate situation. Cool, so I don't give a, why that means nothing to me. Your roommate situation ended two years ago. You're not going to go five years ago. I don't care. Because I'm like, that's why I'm here.

There it is. Catchphrase leading gentleman. She hit it. Because I'm, I need help with how to manage it, how to handle it. Because once I got. No shit. What do you think this conversation is? It's me trying to get your mindset, understand where you are.

You don't have to tell me why you're here. I know why every single person is here. Not every single person needs to come out and announce why they're here. Let me guess is because you need help with your finances. Oh, who would have thought you came on financial audit because you needed help with your finances? Thank you for announcing it. Why are we having this conversation? I am trying to understand your mindset.

And I am also trying to teach you why that you being enabled by your parents is clearly not helping and you are showing it as a very. I mean, so what? Do you want me just to move out and then like with all the debt? I'm not saying that it is your behavior while living there. the fact that they are supporting it is bad, they should probably kick you out. If they actually cared about you, they would kick you out.

They could. And then I'd go back into more debt. Because you wouldn't change your behavior? No, because I wouldn't be able to afford with right now. Even with having a job, I wasn't able to afford to moving out. I was working. I was working out 36. I was getting an average of 2000.

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Tell me exactly what happens. Okay. I get nauseous. I will pass out on the floor. I actually have passed out before. I get so weak that I can't lose. They were applying for jobs more than just three months before. If you were there for seven years and you knew this was an issue, you have personal responsibility in this.

Well, the parts didn't actually start. When did you start noticing this? About three years ago. Okay, so you had three years to do this. And I've been slowly over time. But it pops. Last three months. Listen,

I just... Like, pops, you goes into remission. So I was like, okay, I'm fine. Never mind. This is fine. Well, you just told me it goes into remission. Yes. Which means it can come back.

I didn't know it went into... Like, I didn't know that was a thing. I thought, had pots and I was like, okay, I think changing my diet, it went away. It was great. I had noted that it could come back. Listen, I didn't know much about this. I empathize with this. but the fact is

there is personal responsibility on this that you are not willing to acknowledge that people are out there probably like

they'll be like oh she's a victim oh they look at her no we have to recognize the personal responsibility I can empathize with the positive thing and that sucks

and that really does suck we then have to say okay this is our situation now what do we do we do up or do we do something what's to do something if I'm diagnosed with something I'm talking to doctors

and I'm reading books to further understand it The fact that you did not know anything about your own condition, about that simplicity of relapsing coming back, is on you. Yeah, and it's because like... The fact that you had it for three years and you did not apply for jobs that would get you off your feet is on you. The fact that you had pots is not on you.

It's super hard to diagnose. That's why it takes forever. But you were diagnosed for three years. I haven't been officially diagnosed. When were you officially diagnosed? I haven't been officially diagnosed yet. I am going through the process of obscene doctors. How long have you been in the process?

Since about three years. Okay. Yeah. But you're confident to say it's pots. Yes. Okay. If you were able to confidently say it was pots then, then you would know to get off your feet. It is not your fault in your responsibility for having pots.

But it is your fault in responsibility to then do something about what your life looks like around it. So I quit my job. So now... Which is not with nothing lined up because you decided within three weeks when you had three years. Come on! but I already did it. Three, three years of knowing it, three months of looking for a job,

three weeks of knowing you're going to quit and had nothing lined up. It is just triple threes of just honestly doing this the wrong way. And you were showing this as a very clear example. Again, I am not saying you are bad for having pause. I am not saying you are bad for wanting to quit. I would have encouraged it.

You are bad for how you went about this and you were putting this is a very clear financial audit example of how not to leave a job situation when you cannot work at a job. And the fact that you are not willing to accept that is... I mean, I know it was a bad issue. I stand by it because of everything. Like, I do not regret it.

You should. Because you should regret it and say you would have going about it in a different way. I guess we'll find out in a couple weeks, but so far I have not. The fact that you don't regret it and you wouldn't gone about it in a different way does not line up for success in the future. That you will not repeat these mistakes again when the next thing pops up. I mean, this was the first time I've done it and it's been. seven years. So I think that's like the first one of my very like just up and quit a job.

How many jobs do you apply to a gym? I applied only to a couple a day. There isn't a lot of jobs at the moment in Fort Worth. Object. As far as like, oh God. I mean, as far as like that I'm qualified for that I can do. What are you qualified for? What's your education? I don't, I have a GED. I mean, I have a high school diploma.

Good enough. But you have seven years in a management position. Yes. and food service. And I've applied, previously I've applied about 20 different jobs through LinkedIn and Indeed and about 20.

And I've had enough. What the fuck are you talking about? I've had none of it back. No shit. It should be applying to 20 an hour to try to hear back. It is a tighter job market, but traditionally,

it is still considered in a normal job market. It is not 2021 where you could walk in and get any job in any company. It is back to where it is. But it's not, if you think this is bad,

you have no idea what a job market is like during a recession. No, I don't. I mean, I haven't applied for a job in seven years, so I have no clue. But again, this is basic, basic education stuff. You can look at job interview. You can look at job interview on YouTube.

I have been, and they've been. Well, there we go. So what is the I didn't apply for a job in seven years? Like, I don't care. Well, but I've been applying. You have so many resources. I've been applying. Like, I've applied to credit.

Now hiring positions are 8,800 on Indeed for Fort Worth, Texas. There are 64,987 job openings of Fort Worth. Now, some of them are probably ghost positions. Yeah. Ghost positions, but even still, with 64,000, there are song. I've only ever heard back from two jobs and they were both MLM job. They were insurance companies and they were MLO. Yeah, I got.

Listen, I mean, that's what happens when you apply to 20. 20. 20 is unacceptable. I thought that was like the average of what you like. Average of a lot. I don't know. I guess I know that a lot because like. Why would I give a fuck what you consider?

Well, when you're saying like that's ridiculous, but I'm, I had no clue. Like, it's 20 jobs. You don't think the more you apply to, the better chances you'll hear back? And I am. I'm continuing to apply, but. You've applied to 20. Yeah.

And I felt like that's quite a bit to not hear back from anything. No. Because back when I first started applying to things, I did only five and I heard back immediately for most places. Yeah, but you're doing food service like Starbucks. I was applying all sorts of things before. Okay, well, you took Starbucks. So clearly the other ones that don't work out anyway. Because it was the highest paying.

Mm-hmm. And just services. industry, which I don't even know if you can do that. We are seeing at least in D19,000 open there. And a lot of them are service industry and awful. That's the hard part because the administrative ones aren't, I don't have a qualification. This is what you essentially have to decide.

And you can go either way. I will support you and you can decide what you want to do. Doesn't mean I think it's necessarily right. But here's what you could decide. I'm a victim forever. Okay. Go get on disability. Good.

I don't think they will. I don't think you can with pots. I don't think. Potts, I don't know. Yeah, I don't know if that's... Potts, I don't even know. But you could at least start seeking out services. That's true. And give up.

Go for it. Live a horrible life. That's up to you. If that's what you choose, you're human, I will support you. Or you decide, okay, I'm going to stop complaining and being a whining little I'm going to go out there and actually get up instead of 20 job applications in the three months that I've decided I'm going to look for another job. And now that I don't have a drop, I am trying to apply to more, like anything that I can get into because before I... 20 and three months.

So 20 divided by 3 divided by average of what, 28 days. Okay, you've applied to 0.2 jobs a day. You're doing really well. That seems accurate. Fantastic. You're really just on track for living the career of a lifetime and what you want to do. And now that I don't have a job, I am like being like, okay, I definitely have the luxury to really pick and choose now. It's been a week.

And also, you do not have to make at least enough money to pay your minimum payments and not blow all your food. But, I mean, you don't budget to save your life. Today I did, yesterday I did like do a ghostry order. Honestly, can I tell you? I do not care. I do not care. No, no, I do not care what you did yesterday. That was the day becoming on financial audit.

If I was going on the biggest loser where they lose weight and I started dying it a day before they came on, it wouldn't count. You didn't get any of the statements. You have this. But why would I want those statements? Why? I didn't. I didn't do it because of financial audit. Why, lady?

I don't give a shit. I don't care. I do not want to see what you've done once you knew you were going to be on the show where I would call you out. I want to see what you've done right before you were on the show because that is what real you actually does. If I was going on the dieting show and I started dining a week before I went on the show, that is not indicative of what my behavior actually is.

Well, you're not going to like probably what I'm... Listen, and what you open this conversation with and what I have on this note as well is like, which means you brag to me and you brag to the producers separately that, oh, I applied for a job at a local city and I hope I get it. That's not how jobs worked. I'm glad you're excited about that, but you do not get to apply for a job and then just wait and see what happens. You have to apply to every job ever.

I didn't just stop after that. I've continued applying, but that was just when I saw pop up. And I was like, oh, cool, that's a neat position. Let me go ahead and apply to it. So tell me then, what is your plan until you get a job for income? The number one YouTube membership just got upgraded. And for this month only, you can join. For free.

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and we'll reimburse you for the first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trial. trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free.

Um, well, I don't want to do only for this. Um, okay, well, that's good. Yeah, I've had, I've had people ask, um, me that and I would like not to do that. I'd like to stick to door to do that. People have asked you? Yes. I'm a content creator. Um, and so I've had people are. Yeah. We're not plugging your shit. No, but, no, but, but, um, but. What kind of? do you create? I'm a cosplayer. So I do a lot of different cosplay. I do a lot of different cosplays.

And they've asked you to put out the boobs? Oh yeah, absolutely. You never have. No. Good. I would like not to. I don't recommend going down that rabbit hole. It helps that you live at home, but again,

they are enabling your ability to just spend infinite amount of money when you don't have it. I mean, at least I don't have a whole lot of things yet. Oh my God, a sin see, like I, even they read that because in their notes, which I didn't review before coming on here because I going blind, they also thought from their onboarding conversation with you that your family is enabling you and they have a specific note in here that you don't think so the fact that we all called that out

separately that shouldn't say something lady i mean they don't know the extent of everything so how are they enabling if they don't know like they let me they're not willing to find out they just leave they don't even ask exactly they're just leaving you alone letting their daughter fail in life that is enabling your behavior i mean i think i'm like there's multiple ways to enable bad behavior lady. It's not just them knowing everything that's happening and allowing it. I fluk I'm the favorite child, so it's like the others are okay.

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doing better. Then the other ones are literal addicts under a bridge. What are you talking about? Because that's like the next step. I mean, I don't want to throw them under the bridge. But yeah, I think I'm doing better than them. So, yeah. How could you possibly? In no way. You're jobless in horrible death. I just

became jobless, though. I had a job for seven years that was... Sure, but now you're jobless. You've lived at home for the last two years. You're just going to live on your own. You're incapable of speaking. How are you the one that is better off than them? My sister still lives at home as well. Oh, for a f***. Okay. Yeah, your parents

are not good at this, at this part. They may be nice. They might do a lot of things. They're sure I love them. I'm sure they're great parents in a lot of way. They are bad. I mean, she is the younger sister, but yeah. They are bad at converting their kids into adulthood.

My brother's an adult. Well, congratulations. and moved out. Guys, 33% success rate. That's... One out of three. It's not too bad. Could be worse.

I mean, I feel it could be worse. I mean... Yeah, that means we're so good. I haven't done only... Yet, so I think it could be worse. Yet? Why are you saying yet? I don't want to do all the sense.

Why the fuck did you say yet? Well, I mean, if I, if it gets to the point that I, like, really have to with finances, but I don't want to do that. Stop! That's what I'll continue planning to join jobs. In your plan, though? Your plan, though? is to get married to someone you're not even dating yet,

and that's when you're going to move out and be okay? He hasn't, yeah, he could be rich. Girl, you can't even stand up. The dating school is very hot. And of course, you've given up all the Starbucks benefits, like college being paid for and stuff like that. Yes, and I did consider that. Yeah, I was part of ASU.

Which, again, I would have put, you're already a part of a college? Yeah. So you're going to school? Yes. You gave that up because that would have been a much easier way to transition into a new job field. Yes.

And, of course, I'll gift you a course career certification to help you get into a career field of your choice. but yeah I is in the I mean I just started last year so I already knew right so one fourth of the way that's great and so that's why like when I before I quit and you could have done summer classes and you could have sped it up yep and that was the plan until oh dude why you're throwing away your life well I mean I'm applying to before I left I was applying to jobs specifically that had tuition reimbursement and college education that way I could continue without taking out a debt and that's still my plan but obviously Okay, I got to get into your finances. I'm going to look at your resume by the end of this conversation. Actually, I'll look in your resume in the post show,

and I think I'm going to call your parents and confront their dumb ass story in the post show. It was a very nice paper. Thank you, whoever printed this on fancy paper. My dad might be available. You interrupted me talking about paper, which was much more interesting to me. What do you think your financial score is 0 to 10? Zero being the worst, 10 being the best. 0.5.

If you want your financial score, take the assessment. It is free. you can take it at Calebhammer.com or Dollarwise.com and make sure you sign up for the Dollar Wise app. If you do not want to be like a guest who comes on the show, take your free trial. Now, sign up for the annual version, and I'll sign our budget-friendly cookbook and mail directly to you. And if you want to take advantage of all our educational programs and the premium version of the budgeting app, all you have to do is sign up for Dollar Wise Central, which saves you 80% at Dollarwise.com. And don't forget if you want to come on the show, go to Calebhammer.com slash apply.

I don't know, this freedom cards, insane, and preventing all ability of freedom for you. I mean, this is crazy. I did not realize the interest goes up on that. I had no clue. What do you mean? What do you even mean by that? So it's now at 28% interest.

When I opened it up, it was at 2%. Yeah, it's variable. When rates go up, it goes up. When rates go down, it goes down. It was probably at 30 and now it's down. It's probably gone down. I had no clue that that was a thing at all. And because I was doing about $300 all monthly payments

and the interest, I think, was like at 48 at the time. So I was going down. Like $48? Like, the interest occurring on things. So I was paying it down. And then one day I realized that it kept going up. And that's when I realized, oh, it, um, the interest. You ask you a question.

This is out of pure ignorance. And I'm going to look like a piece of shit. But I need to know. What in the brain are? You just twist your tongue up. It's up here. Twist your tongue up to the top of your mouth. I can't hear it.

Why does your tongue going like this convert into what? Because the RW sound the exact same in my head. In my head, I cannot tell the difference. Yeah, but just put your tongue up, even if you can't hear it. Yeah, there you go. Road. Whoa, she got an arm. Guys, I've solved speech impediment.

She literally getting an arm. And I can say with certain words, but not all of them. Especially if it's in the middle of a ward, it goes, I have no clue. I don't hear it. But you know it exists. So you just train it So go Instead of

Ooh Trust me I spent Hours Trying to solve this If you could fix it That would be amazing I just did I did

I did it But it comes and goes It fluctuates And I have no clue I'm not the only one I'm just one My other co-worker Had it for a while

She I mean She fixed it Did she sit down with me And I helped But she when she was Work with us She had it

And they could How long does this Take the payoff If you only do Minimum The payments and you don't spend on it, which, by the way, you're incapable of. It was, I think, 20 years?

23 years, yeah. So you'll be no retirement still living with the parents of their life. Hopefully they are. Hopefully, by that time, I have a husband. Again, who would pick, I'm sorry. I mean, this isn't based on your personality. I think I'm a catch. Like, I cosplay and stuff, and I'm into notty stuff.

So I think I'm a catch. Trust me, not all guys look into finances. Like, not all them are. there with it. You are, but not all guys. I've met some pretty interesting guys. It would be out of desperation, would or not? Like, again, is that... Yeah, but I'm not getting...

Not even knowing your finances. You are careerless living at home. Who's choosing that to be their... I mean, I want a career, and I'm going to pursue it. So I have an ASU... Well, you've done the only opposites. You've left your job that paid for school. My mom didn't get a career, and so she was like 45,

like, yeah, about 45 was when she went back to school. So it's a fucking just consistency of failure throughout the family lineage, okay? Well, that was, that was dude like to poverty and other things like them. Like they. Why? Well, my parents grew up like poverty stricken and things and had to like dig their way out. So it took a while to get there. Yeah.

I was. But I mean. So that excuse does not apply. I mean, I grew up with it, but I like spending. I just, I like, well, like I like buying things. Who is picking a dix? Discord kitten that does nothing but cosplay, doesn't work, doesn't have a career, has debt spends on a limited money. A desperate person.

I'm sorry. Listen, and if you were in a better spot, just this and this isn't, you know, about anything, it's not about hobbies, it's about anything. Let's just say you were paying off your debt, you had a career, you're going. I mean, I'm going to pay off my debt. You do not. Oh, you're so annoying. If you were paying off debt consistently, you were spending properly, you had a career. and you didn't live at home, then yes, I could see someone wanting to date you,

but who the fuck would date you right now? And that's part of the reason why I am, like I said, obviously I'm here because I have debt. And that's part of the reason why like I want eventually, when I get married, I want to be debt-free. I want to go into that. Obviously, not anybody probably right now that I want. So that's why I'm on the show. Great. So not only would no one choose to be, but you're also picky about it.

I love those. I love those. Most people do. Well, you don't have standards in your own life. So I don't know what you're talking about. I mean, I do with guys. Well, thank goodness. So it sounds like we now have a 0% chance.

I mean, I'm sorry. It's just based on a situation. It's not even based on you. I'm just talking about how you're living your life. Who would date this on paper? Just the paper. I could find some that doesn't know about it. Was the last time you had a boyfriend?

I only have only ever had one boyfriend. Exactly. So that was incorrect. Huh? Like I said, I don't know. of choice because I'm picky. Exactly, which means this is not working. Your standards are not working.

Your life is not working. Well, they don't know my finances. Which is even worse because once, if someone actually who met your standard and was actually into you somehow slipped through that very quiet. Let me get my thoughts through. If someone just was over your standards and you were just under theirs and they slipped through, they slipped through that small crack. and they didn't know. Then they saw this, they would run.

So even if someone actually accidentally slipped through, they wouldn't stay. 20,000 is not that bad of debt. It's how you are doing it and not making any progress except for the last week before coming on me. I've seen people with way worse habits and way worse debt. They have something that makes up for it. They have a career. They have a house. They're societally objectively attractive.

They're, you know. I think I'm attractive. I mean, is it because the odds? Some people find me attractive. I wouldn't say I'm societally objectively attractive. Come on. Some people are going to find you attractive. Do you fit that societal mode? No. Neither of us do. That's okay. We can accept it. We can accept reality without being offended and being sad. You're incorrect. I'm sorry. This is just societal, right? Let's just like there's objective like we don't belong on Love Island. Doesn't mean other people don't find us attractive, but we're allowed to. I'm so sick of this. I mean, in the class. There's not participation trophies on objective like societal metrics, right? It's like, I'm sorry. Like the whole, the, the, this whole ecosystem of people being like, oh, you're beautiful no matter what.

It's not helping anything because now we're just telling ourselves that we're beautiful when, no offense, I am objectively not societally attractive. And we can accept that. There are many people that find me attractive. There are many people that find you attractive. But what does that have to do with anything?

Because what you are saying is you found other people that have a lot of debt and they're still finding people. They have something else that is making up for it. I mean, being in the cosplay industry and, into pop culture stuff, that is a big, like, video game on stuff, that is a big thing. Yeah, you might get a professional

gooner. But I doubt that fits your standard because your standards are also here even though they need to be here if we're being real. Because that's also something very much in the social zeitgeist today. Everyone's standards are here,

but everyone that would accept the person whose standards are here are here. That is also a reality of what is going on. I'm sorry to say it. I'm not going to. to lower my standards. Of course not, which is why you've been single forever. By choice. By standards.

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I want to pay off my debt. I want to get fed up. I have a note specifically from your dad that you are too confident to find someone. Great. If father's saying that, who enables us in every way whatsoever? Good. I mean, I'll talk to him later. I'll be too confident. Like, I just know what I'm with.

Like, this is that, that endless, endless parading of telling everyone that they are so much more than they are. Now your self-worth is so much more than it literally is. Like, I'm sorry,

this sounds so mean. This, I know this sounds so mean and so many people we're going to take this wrong, but honestly, those type of pearl clutches we don't want in this audience

because fun fact, we only do real world and we're not fucking here. So listen, the reality is all that cuddling puts you where you think you are so much more. And this happens in employments as well. Everyone at every job ever thinks they are so much more worth it and so much more impactful at their job than they actually are. Listen, this is what happens. I know it can improve. I know there's always improving. Everyone, including myself, because we are egotistical beings, think we are always so much more than we actually are. That's it.

Listen, if the show went off the platform, you know, a part of me thinks like, oh, people would be sad. I'm sure a couple people would be for a couple weeks and then people would move on in a week. So if you are... We are not worth what we think we are. So if you're overconfident as well, does that mean you also like... Yes, it can make me harder to do things. Because if I set my... If I set my standard here where reality is here, yes, I all of a sudden would never find it.

That is reality. And I'm not saying you're a bad person. I'm really not. I know this is a long tangent. I'm really not. And I'm not saying you're an ugly person either. I'm not saying that. I don't know what sounds like it.

No, there is the objective societal like, oh, that person's fucking hot, right? And that person gets a little more flexibility in how they're living life. But who makes those objectives, like society standards? Are you f***ing. Because you have Western society. You also have a other. You're right. A console doesn't sit down and decide.

But we all are able to recognize it, right? Because what is like popular in Western society? like standard. Okay, so you're going to get an Indian prince? I mean, that would be awesome. I wouldn't mind. Sure, move to India. That'll solve all your problems.

If I could have gone to. They love white ladies there. I mean, I travel enough. I could. Good, dude. Listen, ladies and gentlemen, the catch is over her credit limit by $202 on this car.

That was because the interest hit. You better come get her. Yeah, the interest hit. And that's what happened. I paid that down. The moment I got paid, I paid that down. Listen.

guess what? That's what happens when you spent I didn't spend. It was the interest. No, no, no, no. Purchases $331. What do you think purchases are? Do you think when there's an interest column, which there is, and a purchases column that they're different? Because fun fact, they are! You jump! On my statement, though, it says $300 for the interest. And on your statement, it also says the Hamilton Theater, Doordash and Crackle Bear, Legends, Sportsbar, Waterberger, DoorDash and McAllister, DoorDash,

She crack a barrel. Dutch bros, nothing bun kegs, stored ashipanair bread. That's not interest. You f- But it wasn't. Shut off with that.

Like it wasn't over the limit. You're gonna ruin me. It doesn't. Are you actually, I'm so, oh my gosh, I'm so sorry.

Lindsay, may I draw? Because apparently we have to go back to Ella fucking Mentry school real quick. It wasn't over the limit. The catch of a lifetime. She's waiting for you. Come get her.

Good. death. She doesn't understand basic things. Here's a credit card balance. Whoa, you're here. You're here. You're here. Oh, my goodness. It's pretty close. And you know interest is going to get. Wait. Oh, my gosh. Can you believe it? There's this. Shut of fuck up. There's this much to spend. There's this much to spend. That's exciting.

If interest is going to hit. Oh, I'm going to spend up to here. Oh, shit. Now interest is going to hit, but we're at our card card card limit. What do you think's going to happen? It's going to go of. But it was to be $300 of interest. Like, that's a lot. Oh, we don't know how math works, too. Yeah, let's continue to go back to elementary school, shall we? I haven't calculating and budgeting.

Let's start a budget. Like two days ago. No, shut the fuck up. That means nothing. A thousand and $500 basically in interest this year so far. Shut the fuck up. I'm glad we have that. Guys, we don't have a job.

We don't drive enough in DoorDash, but we're going to order DoorDash every five seconds of our life. You. To be fair, those times, the times, not all the times, but the times I didn't order DoorDash, like was when I had a really bad flare-up and I pretty much can't get out of bed. So it looks like you get a bad flare-up every five seconds. So it looks like you better just...

Lately, it's been... It looks like you better just give up. Just give up and die. Yeah, I mean, tell me the alternative because that is what your excuses. That is what you're telling me. I'm not telling you to do that, but you're saying I have to go spend money I don't have because a flare-up is happening. And you also, by the way, live with...

Sh-sh, what... You also live with your parents, by the way. They could have made you a sandwich. Shut up. They were at work. You could have gone to get you. made a sandwich. I can like bail.

Like I said, like I will pass out. But you can get up and pick up the door dash from the front door? Yeah, pretty much. Then you can open the fridge and do this.

But like standing up for too long, like if I sit up more than a few minutes. The fridge is the same distance. An apple. They don't have apples. Then buy apples, you actual creature. I try not to do like anything

with a lot of sugar or carbs. So I try to do like more meat-based diet. for the health reasons because... Yes, keto was going so well. It was until I got off keto and then I'm trying to get back on. I mean, I just... It's just a lot. Like, I'm doing my best.

Again, like, that's why I'm here because I want to... You don't, you, if this is considered your best, walk out the door. Walk out the door. I guess with what I have, like what I know. And I'm trying to figure out how to do my financial situation. You have the ability to Google things, chat GPT things, whatever the fuck you want to use. Exactly.

I'm giving a thousand. examples showing you that there are resources that you can literally type something in and it will tell you. I mean, that's probably the reason why I'm here because I want the budgeting app. This is so much more work than you typing something into Google. It's an investment. I get budgeting up and I get the financial. You're getting money from this. What are you talking about?

I get the pay for people's travel and everything. I actually did not know that until I. Congratulations. Yeah. So that was kind of nice. But like the I wanted the financial courses. So I figured I. Yes, you get everything.

You get all the programs. You get the. Yeah, yeah, yeah. Listen, they get dollar wise central at a major discount at dollarwise.com. You get it for free. Yes, yes, yes. Thank you. Thank you.

I appreciate it. So that's going to help. Like, that will help me try to. Yeah, so well, if you actually do it, but let me guess something's going to flare up as you're taking the class. I mean, no. I'm doing my, I'm trying to manage it. I was with you. Listen, if you can't walk up and grab something that you're, if you know flare ups happen,

you're prep an emergency stashed in the fridge that you only pick when you get it. Yeah, I thought about the other day. The only thing you catch is a F-door Dash order. That's all you get, man. It is easier. Sure, it's easier. And I wish you had an official diagnosis. No, that's what I'm trying to.

What would it change? What would it change if you did? Other than me just fully... Honestly, I... I don't know a whole lot because there's no cure for it. So I had friends that say to get it because it could... Like, it could... Like, you could be...

Treatment? Is that what you're saying? There's no cure. There's no treat. no treatment or cure for it. Well, even things that don't have cures, many things at least have management treatment. Yeah, diet is a big one. And so that's what I've been like focusing a lot on my diet is cutting out. Interesting from those statements I literally just read.

I'm eating more meat-based things. I'm not doing like processed food. I mean, lately I have been because I've just been busy. Yeah, she literally got Panera bread. That was when I was really sick, yeah. It's like like low-fied hospital food. and it's comfort. So when I was really sick, I got that. Okay. So you're a literal excuses for everything person and can never actually commit to anything ever in your entire life.

I can commit. Very clearly not. Because the moment you say you want to do something, I'm like, oh, but wait about this. And you're like, oh, yeah, this happened. You will always excuse yourself out of something. I mean, that is how you live. Like, it's not excuses. It's just what happens? Like, you ask me a question. So I'm telling you what had happened. Like what? I guess. Come together on a Windows 11 PC. And for a limited time, college students get the best of both worlds. Get the Unreal College deal,

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I mean, again, they know everything about your life, the producers. And they're just telling me. I mean, this card has spent 10,000 hours maxed out, maxed out. Guys, was it a medical debt? Was it an emergency that popped up? Oh, it was the emergency of $7,000 to go to Scotland

at the beginning of the fucking year. I don't spend $7,000. What did you spend? I mean, things probably accumulated, but I didn't spend $7,000. It's been maxed out since. then. I'm a joke. I mean, this is...

Well, I probably had like $2,000 before, like, before hitting the limit. So it wasn't like a total of... Like, I didn't spend $7,000 on just Scotland. Like, it's probably a couple of years of things. And Scotland's necessary for survival. That cure spots. It was a fun trip. I, like, you...

Oh, good. I want to live... You see how I lose an empathy if I had anyone, honestly, by this point? I want to have experiences in life and live and things and stuff. Not everything is about money. Not everything is about money, but you're able to do the experiences with money, so you have to sacrifice in order to give the money in order to do the experiences. Now you're not able to do any experiences like the experience of moving out and being an actual adult.

You're not able to experience life because you are refusing to make any compromises in life. You will not enjoy the experience of having a husband because no one in their right in mind, unless they're a desperate gooner who you wouldn't settle with, by the way, and you shouldn't get with you. So good luck experiencing that. Good luck experiencing having an independence of any kind. Good luck experiencing being deafery. Your opinion of things.

Like my opinion. Just because you you think that doesn't mean. What do you mean I think that? I'm basing it off the fact that you've only had one relationship ever. Because it's my choice. Not your choice. The people that you would pick are not picking you. No, I haven't met anybody that I've wanted.

Because they're not meeting you. You think it's only on you. You're rejecting people, right? Yeah. Right. Meaning that there are people coming. Those that would, those that would be interested in you, you're not interested in.

Those that you are interested in aren't going to you. I mean, it is not working. I haven't found anybody that I've interested in to pursue. Huh? I haven't found anybody that I've seen. Because they're not coming. Does she not understand this?

Is she not actually understanding this? Why would they not be? Why would they swipe on you? Why would they come to you? I'm not on dating apps. Why would they approach you? Why would anything happen? Where do you think you are in this world?

Do you think you are here? Everyone thinks we're here. We're not. Guys, all of us were down here. People. It doesn't matter. We're at the... I don't know.

I mean, I'll find somebody. It just... I hope you do. I hope you do. Not who he's dead. I mean, that could be a possibility. Like my future husband, just not around. Yeah, let's use that excuse when we're alone and dying at 80.

At least I would have, like, traveled and seen the world. That's the thing. You won't. Because how are you going to be able to afford this? You put this on a credit card when there was $2,000 on it. Now it's maxed out. You wouldn't be able to put another trip on here. So you're not experiencing more trips because you're refusing to,

make sacrifices necessary that put you in a position where you're able to travel more. That's what I'm saying is I want you to travel. When they plan trips and stuff, like I just, I don't want to miss out on it because when my friends are going and just I'm like, well, I can pay it off later. It's been six months. You did not. And well, normally I, I, like before I was able. I was able to pay off a huge portion. It's been six months and you did not.

It's been six months. It's been six months and you've been not. It's only gone up. It's over maxed out. It's over the limit by $200. The interest. No, because you're still spending on it, you dumb, absolute. Are you actually kidding me?

You're dooredashing 50,000 seconds a day? I'm only doodash like twice, two or three times. I read it what, five times. And then there's still restaurants spending with that door dash. Come on, dude. This is so fucking stupid. Like, I don't even know. And I'm sure you're spending a shit on money on this cosplay stuff too, right?

What do you think you're spending on that, unemployed? I mean, I'm unemployed. How much do you think you're spending on that unemployed? I haven't spent. How much do you think you're spending on that? Unemployed, I haven't spent. How much you think you're spending on that? I don't know.

It's a... You don't know how much you spend. You go and swipe and you do, you have no concept of imagination. Not on the current cosplay, no. I know the current cosplay I'm working on, no. What are you currently working on? Um,

during the Winter Soldier from a Marvel. Yes. I started... You totally look like Bucky. I do a ginger bent, Bucky with wig and everything. Well, that is 2025 Marvel, so. I mean, I did it like,

when it first came out and I really liked it. So I'm revamping it basically. You made money off of it? No, I do it as a hobby. Unemployed. Great. I mean, I get, like, brands reaching out, and we do, like,

they give me things and stuff, and I do that, but not, like, actual money. What you got a plushy? I got a Lachaboo. I got a lightsaber. I've got a lightsaber. I've got a couple different things.

So, I, like, it's fun. I get experiences, and I get to meet friends and go to Kahn. So I really enjoy it. God, she's, I'm sorry. like what good good luck good luck i'm sorry just what good good luck dude i don't know

it's based off this conversation is there hope here like having at least a little bit of hope as we continue but good fucking luck i mean i'm not like there's a discovery card here you're not congratulations you live in in ignorance before i like i said before i went to debt i was really good finances so i know i don't give a shit i just need to like i don't care i need a direction i need to like help i don't care Brandon back there, you know, the translator, Brandon, who comes in and he's a part of our Hammer Elite membership, he, he got suspended a lot when he was in middle school.

I don't judge him for that because it's not middle school anymore. I judge him for today. I don't judge when you were good with finances if you're bad with them today. I don't give a f- This isn't Twitter or TikTok that punishes someone for what they did 15 years ago. We don't care about that in the real world. We're not weirdos. Sure you can, but you're not.

I will. And Brandon could go get suspended again. He could? Anything could happen. I'm not preemptively firing him for that. I'm not preemptively saying, oh, good job. You're good with money because you might be in the future again. Like that means nothing unless you actually do it.

And you're not doing it. So I don't give a f at all. Because that's why, again, like that's why I'm here because I want to. Oh, shut the fuck up. That's why I'm here. I don't care. I want to like get better with my finances. I want to know more and understand more.

That's why, you know, so I've came to you, the financial audit. And why do you think we're having the conversation? Why do you think I'm calling you out on this? What do you think I'm doing? You think I'm just talking to talk. I'm calling this out so that you can understand what I'm saying. I'm pushing back on this so that you hopefully have a moment of realization that you're being a dumb with your money. I don't think I'm being that bad.

I mean... Okay. And that's why she's here. To not listen, apparently, because she's... Discover. I can't tell you much about that one. I don't use that one as much, but obviously it's still... I think maxed out close to it.

Discover. $5,000. $81.50. Yes, it is almost maxed out. Card to score. No one surprised. Minimum monthly payment, $16, $20 years to pay off.

You'll be a totally married, 48-year-old by then. I'd like it to be lower. I mean, I'm going to start making more payments than just the monthly payment, but... Good, guys. Everything's in the future. Of course, nothing that she's doing right now. Well, can't you think right now as I'm sitting here, like...

Yeah, but you could have... Right, as I'm sitting here, pull out my throat and start. You know what you're saying, right? You know what you're saying with this? Do you know what you're... Please, tell me. I'd like to see if you're able to do a little bit of mental exercise. What are you doing when you say that?

that. And I say what? You're going to pay off more of this in the future? Yeah. What are you saying? What are you doing when you say that in this conversation? Let's say if you're able to get there. Are you able to figure this out?

I mean, obviously don't have a job right now. No, what do you say? What are you doing when you say that? Then I'm going to pay it off? Yeah, what are you doing? Like change wise? No, what are you doing in this conversation when you say that? I don't know.

What am I doing? You're deflecting like fucking mad. Any amount of pushback I give you, you say, well, I'm going to change it in the future. That means nothing. That is the deflection that is pushing off. Instead of actually recognizing what you are doing that is wrong and just accepting it and that you need to change. You just instead, when someone says something about what you're doing wrong, you say, I will change it in the future. It is the boyfriend and is the girlfriend who never changes their behavior.

I'll change it. Shut the fuck up. I'll do better. Is that what we want to hear? That means nothing. Well, no, because you just said it after I called this out. Listen, your language is endless deflection. It is, oh, I'm going to stop your pushback by me saying, oh, I'm going to change it.

Everything's going to be good. No, it's not. Look at your history. Look at where you are. There is not a single indication of behavior that would suggest things are going to get better. I hope they do. And I hope you take this conversation and use it. Many guests do.

Many guests use this conversation to make their life better and they prove it on the financial auto follow-up channel. But there's also many guests who come on the financial auto follow-up channel. And they don't change their behavior. They get worse, even though they said they would out of deflection. I hope you're one that changes the behavior. I can't really get a whole lot of worse because I can't open more credit accounts and I can't spend more. Trust me, there's debt you can take out, but I'm not going to help you know what kind to take out.

Oh, good, spending it on here too. Yeah, let's spend it on here. Well, $95.83 of interest is occurring. We're only making the minimum fee payments. Kendall, go to a fucking library living Fort Worth. I know there's libraries. And Google One, that's okay. You can have it, but put it on debit.

Why are you occurring interest and paying a 22.24% fee on your Google One subscription? I don't think I actually realize that was on my discover. Great. Yeah. Why would we look at our statements? You literally just told me you started budgeting. you would know that this is happening. Started budgeting yesterday, so I'm still going through things.

Nothing you say has any weight at all. I was waiting to July 1st to hit so everything would start new so I could see it and budget properly if that makes it. Oh, good. You also went to Europe last year. Yes. What a joke. You don't care about your life.

You care about the quick dopamine's you get in the fun and little experiences. I mean, you don't care about the future of your life. You care about the now. I mean, just live a little like. Yeah, the now. Exactly. I mean, there's not, I'm not always going to be able to take that trip. Why?

Why? You don't know what the future holds. No. My friend. What are you saying? Well, my friends moved to Europe and so we were able to stay with her. So, like, financially it was actually, I spent not a whole lot because I was staying with her. You still spend money.

Yeah, but. You had to get the flight. You spent money. It doesn't matter if it was less. It was money you don't have. I paid most of that. You live at home as a 28-year-old failure. Exactly, though.

I lived at home. You're a 20-year-old failure without a job. So I could just go and, like, like, like, like, I could just go. like I went to not Europe. 19 days in Europe on credit cards is madness. I spent most of it actually like with actual money. Oh good. Money that could have gone to paying off debt.

You are a 28 year old living at home. But I got to go see. Jobless. I don't care if you saw a fucking cathedral. That means nothing to me. I guess he will. I will never give a single. I went to like,

I will never give a single shit. You can keep talking and I will not give a single shit. Like this means nothing and I will acknowledge it. I don't care. I don't care what you visited. in Europe. I don't give a... It doesn't matter. Doesn't matter. I don't give it. Doesn't matter. I don't care. I still continue not to care.

You keep talking. I really don't give up. Have you gone out of the country? Yes, I've gone to Italy, France, Germany, and Austria. It was great. What, I destroyed my life for it and live at home as a 30-year-old failure without her job? No. I don't regret any of it because, like... Of course not because you're incapable of recognizing any of your flaws because you are the best catch that's ever existed in this entire world. I don't know. My therapist thinks I'm doing pretty well in life. And you have a bad enabling therapist.

No, I think she's doing this. This is this generation. You've been enabled to TikTok. You've been enabled to your therapist. And you think you're all that. You're nothing. You're a failure. You're a joke.

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Hour and seven minutes does it tell you a whole lot about people, though. It actually does when it comes to a conversation about your life. Well, about finances, not about my life. No, we're talking about your life and what you've done. We don't know everything in depth. Like, you don't know all this stuff. We never will. But listen, there's nothing here that's been a good sign.

Doesn't mean it's been a bad sign. It's all been bad signs. What are you talking about? Are you actually, are you, this makes sense. no sense. I feel like you just living a home has allowed you to just be insane with your money, just reckless, just throwing your money away. You are nothing. For all of us here who actually do jobs and contribute to this world and live alone and pay property taxes, we are all going to have to pay more taxes at the end of our lives to take care of failures like you. I mean,

I put my taxes. So you don't make money. There's no taxes to be paid. Well, I mean, I had a job. I was paying taxes. I'm going to still, I promise you, I promise you, you, you, contributed significantly nothing. How? Well, the top 50% of earners in this country pay 98% of all income taxes. You are not in the top 50% of earning. You contributed nothing. Like I still pay taxes like everybody else.

We all play taxes. You're not in that talk. You paid like a few hundred dollars to taxes. A couple thousand. Yeah, a couple thousand. And you also probably got a refund as well. This year I did because of being in school. So that, that's really nice.

Probably use that tax refund. Go to Europe. Actually, I use it to pay off a portion of the credit card. And then we spend it all the way back up because they're all maxed out. So I don't give a fuck. That means nothing. And I'm sorry. It's not even a political thing.

It's not even a... I know it probably sounds a little right wing. It's not. That's honestly pretty objective. If people are faking leaching and we already know where most of the tax revenue comes from, we know that we all who out there are working are going to have to pay for people like this who refuse to do anything in their entire life. How are you going to pay for me, though?

Because I will tell you. Would you like the example? Congratulations. Social Security right now, it doesn't make money. All the money that goes in immediately gets paid out because it was denied in the 1990s to be invested in the overall market and said it was put in the low government bonds. Because of that, it never keeps up with inflation, meaning it was a service or, you know, a program that is not able to actually keep up. And they tap money from it. So because of that, there's not enough money. And because of that, we have to continue pushing retirement agent by the time that we are in retirement,

Social Security is not going to be able to sustain itself. It already takes up a massive. percent of the federal budget. It is not going to be able to sustain itself, especially where we are with debt to income or debt to GDP ratio in this country. Good luck by the time we are 60 or 70, Social Security being around. Okay? So what happens when you have sacrificed nothing? You've gone to Europe forever and ever instead of putting any money aside for retirement.

You have a little bit, but certainly well behind you could have been saving money for retirement. You won't have money. And then all of a sudden, we're going to see a picture of you in a grocery store working. And there's going to be a Facebook post that goes viral. It's going to be, oh, she shouldn't have to work at 80. I have a 401. Shut up. I'm going to get my point done.

You have 401K is dramatically unfunded. It could be funded more, but you're going to Europe instead. And there's going to be an old picture of her on Facebook. She's going to be working at 80, being a store clerk. And everyone's going to be like, shut up. Can you mute her mic? She will not stop interrupting me with her dumb. Oh, she's so obnoxious.

She will see that video. Someone's going to post, oh, she shouldn't have to work at 80. And you know what? I kind of agree. But little did we know her entire life she decided to go to Europe instead of actually preparing herself for retirement, and then we're going to have to pay more in taxes to fund you. And it was all your fault. Your mic's muted.

Go ahead and talk. It doesn't matter. It won't be picked up. So it's an absolute joke. It's an absolute joke. And the rest of us, we don't get to live the lives that we sacrifice for because of fucking degenerates like you. How do you know how old to 80, though? I hope you don't.

It's kind of mean. Sorry, I'm worked up. I'm worked up because it is people like you that bring down the rest of society. I'm sorry. It really is. And I hope we can take this as a moment to change your life around so that you are a productive member and that you build the rest of the community up with the rest of us. But right now, you are nothing but a leash.

Now, don't get me wrong. If your illness gets to a point where you literally cannot work, that is where I want us to support you because that was not your choice. That was not your choice. You know, let's say you're perfectly healthy in terms of the lifestyle choices you make and everything gets to a point where you're incapable of working. I want us all as a collective society to come in and make sure you can live a good middle class life because you did not choose to have that disease.

Okay? But if your lifestyle decisions make your disease worse, that is on you. Well, that's why, like, I am traveling and seeing things because I don't know what the future's going to hold. I don't know if it's going to get worse. That means nothing. If the future, if the future gets worse than you die, you won't know that you sacrifice to save up for a better future anyway. It doesn't matter. That's why I want to travel and see the world.

No, that just completely went against what are you in? Do you not listen? I'm just saying if you die tomorrow... I would die happy knowing that I got to travel. No, because you won't be happy because no one dies happy because you're dead. You're dead. You're dead. You won't know. It doesn't matter that you went on vacation.

You're dead. It also wouldn't have mattered that you sacrificed for the statistical likelihood that you will live a longer life. It doesn't matter. There is a statistical likelihood that you will live a longer life. So go ahead and take the sacrifices now to live that longer or better life. We can go to Europe every single year because you sacrificed. When I'm old and like 80? I'm not saying that.

I'm not saying that. you can probably start going through your 40s as well. You can probably take a few trips through your 30s as well. Every single year like you do twice a year now. Oh, good. Are you planning another European trip already? Good, good. That's fantastic.

Well, UK, not Europe. I'm so thrilled. Those are different. Well, it's not in the European Union. It's in Europe still. Scotland. Not the mainland continent. It is still, in fact, Europe.

They can start UK. Huh? Scotland? The UK is not a continent. Europe is in general, like. You think because they left the year, European Union, they left the continent. They're an island.

I mean, they always consider themselves in the UK. Like, they are very specific about that when you go there, that the United Kingdom and not Europe. So. Oh, my. Especially Scotland. Oh, she's... Scotland does not like to be part of, like, Britain and all that.

So don't consider it. Oh. Oh. Do you think the Florida Keys are a part of North America? Yes. We all have their dream trip. We've been with. wishing we could go on, but too often life or usually price gets in the way.

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Unless Russia bought them back. And that would change it to being a part of Asia? If Russia bought them? I mean, if it was Russia, probably. Russia's also in Europe. Does that mean they would be in Europe? Russia is considered part of Asia. And Europe.

It's in both. Oh, yeah, because it's half, yeah. Oh, my gosh. She's an idiot. Oh, ladies and gentlemen, the catch of a century. That part with that side of that side of considered Asia, not here. That's why I said it'd be part of Asia. That part.

That's why I said it'd be part of Asia. Oh, she's a moron. Either way. Yeah. What am I dealing with? You only live once, so... Oh, shut the fuck up. That means nothing.

If you only live once, you won't know that you sacrifice because you're dead. Exactly. Vote for the statistical likelihood that you're going to survive. So go ahead and sacrifice for the survival instead of blowing everything now and then surviving which... You're not going to be able to go to Europe as much as you. want in the future because you won't have the finances to do so. You are preventing yourself.

Probably won't want to travel a whole lot. I forget her. You don't know. Old people travel all the time. You are so delusional. It's better to travel when you're young, though, because you're young. You'll be young in your 30s. You'll be young in your 40s.

You'll be young in your 30s. You'll be young in your 40s. I mean, like, I'm thinking of like 50 and 60. Do you think your body breaks at 50? Yeah, sure. If you're starting mid-upper 60s, that's where it starts the maybe, you start getting a little, especially if you're not living a healthy lifestyle. Absolutely.

But listen, that's, I don't even fucking know. How are there are 22% interest rate? This is just, what a pointless conversation I'm starting to realize. You're gone. You're gone. You're gone. I think I'm doing pretty well. Huh?

I think I'm doing pretty well. There's no point to continue in this conversation. No, there is no point. If you, after all this, still think you're doing pretty well, then you're a moron that's never going to survive. I think I'm doing pretty well like maintaining like I don't know

You said I'm more and I'm like No I'm not You're jobless you live at home You can't find anyone I've been jobs for a week So jobless That's jobless But I'm not

It's not gonna stay that way I'm in between jobs You've applied to 20 jobs In three months Oh so now that I know that's not enough So I'll go home and continue applying to jobs Oh

F*** guys If you have any children out there I like this ladies gentlemen Good luck I wish the best Shut the fuck up Shut the fuck up All right

Here's your 401k Which is a little earlier than normal In the document order But 20,000 again Certainly behind four word We'd want you by approximately 30 But again it is showing that you have the skills

Yeah I started that like three four years ago So Why is so early in this document order? because I have a plan with it. See, like, that was the thing is I'm coming on because I, you know, want to use your app and the finance stuff. But so my idea is to liquidate the 401K

since I already quit my job. Look, so to look at the 401K, I can start a clean slate, get rid of the bad debt, start over, fresh. And then when I get another job, I can go and add to it. I can double up what I was doing before and I can actually save.

Look, it's really, it's not a bad idea. Like, I can, I can then double up on it. Look, like, Lindsay, can I have the whiteboard? Like, look, I'm just gonna, I'm gonna show you, like, so you can understand. What the fuck do you think you are? So, this is my 401K. Let's say, this is like the debt, okay? And so if I take it, distribute the 401K, get rid of the bad debt, which is like the credit cards,

I can start fresh and then I can actually start putting... You have $24,000 a debt. This 401 case $20,000. So the bubbles are out max. Well, $6,000 is the car. Yeah, that's, you know, depreciating an asset that you have leverage on. Yeah, so I'm, like, I'll be paying that still. But so I'll be taking about $15,000 for the debt.

And then I'll take the rest to put aside for I can use it for the penalty. And then the tax I'll have at the ends. Yes, because you'll have to pay your... Yes, my penalty. and then added to the tax. The penalty, 10% and then your income tax bracket. Yes. Of which is based on your last year of filing.

Yes, in which I have already been taking out, having taken out extra. I had it. Great. So this $20,000 will turn into what? 14? Yeah, about. Great. So $14,000 going to $24,000.

And so I can pay off my credit card debt. So start a new. Would you take out right now to pay off your debt a 20% debt? What do you mean? Would you take out a 20% debt to consolidate all your debt? Why wouldn't? Would you take out? Shut up and answer my fucking question.

I wouldn't be going into- Lady, answer my question. I wouldn't be going to debt with a 401k though. I'd be liquidating it. Dude, actually shut the fuck up and answer my question. You are so obnoxious, you have no idea. You're a creature. Like, I don't know what your parents need to be put down so they do not breathe again.

This is insane. I don't know how you exist in your best child. Good fucking luck to them. them. I think I am. Yeah, you think the UK isn't in Europe. I mean, they did get what of the union. The union, the fucking border of the European Union does not determine continents.

Would you take out a 20% debt right now to pay off your debt? So it'd be gaining 20. I'm asking a fucking question. I understand the question. This is the most simple question. Would you take out a 20% debt to pay off your debt. And then I'll be in 20% debt after that.

Yeah? I think so. It's like math is a bit hard. Lindsay, please help. She's, I can't. Yeah. Shut the fuck up with your whiteboard. Get away from me with your fucking whiteboard.

I thought you wanted it. Hey, I thought you wanted it. This is your debt. And here's a debt that you can pay off. This is 20%. Would you do it? Yes. I think it's a good decision.

What else would you? I'd pay off the debt. I'd sacrifice and not spend money on fucking fast food and door dash, you actual imbecile. I bet since I left Starbucks, does, can I still keep the full one? No,

no, no, can I keep the 401? Yes. Because I knew that there was a thing with that too. Yes. Could also roll it over. Roll it over to an IRA.

Oh, okay. So you wouldn't recommend me doing that. Because it's like taken out of 20% debt because you're going to lose 20% 10% for penalties and then probably about 10% for your taxes, okay? That's like taking on a 20% debt. Also, there's $20,000 that's in there. Oh, you creature.

Please, I don't, I honestly, the quicker I can get away from hearing your voice, the better. You've annoyed me more than, um, I thought I would be fucking annoyed on the show. By 59 and a half when you could take, but you can pull this out, tax advantage, that $20,000, if it was then 10% returning thing, which is the historical up and downs combined, the S&B 500 would be worth with $4,438,000. So you're going to lose $48,000 by pulling it out. But then I'd be able to stop fresh. I'm going to kill you.

Because if you start fresh, without changing your behavior, you're going to go into all this debt again, but you won't have return. I will change my behavior. We'll see on the follow-up show. You can talk to me on the follow-up show. Stop. Who says I'm going to fucking invite you?

I thought everybody was invited. No. What if I do get better? And then you don't invite me, I'll still shun you Because I took out of my 401K We have a rule No dumb bids on the follow-up channel

Isn't that half of the people on you? No, it's you You made a mess at the desk Shut the fuck up I'll fix it for you Probably more productive Than you've been at your seven years At Starbucks

Actually it's really good at the drug I was really good That's why they I walked into that one Why didn't let me transfer Syncernic card Yay, yippee Looks like this is your care credit

Yeah that one is is medical. $1,160. $0.50. $70 minimum payment, $17 to pay this off. Not a deferred interest and it's until paid off. So it's 0%. Okay. Minimuthy payment until it's paid off.

Okay. Because I closed it out. The care credit, right? Huh? The care credit you're looking at? Yeah. Because I, it was the arched, I closed it out. So I didn't have to pay interest.

Because it was a credit card, like a medical credit card. to close it out. Equinox. Yep. It's a really nice call. Or at least I like it. It's a step up from the 2005 car I had before.

What is the interest rate? The interest rate? I believe it's 10%. $6,156.37. Yeah, the monthly payment is like $2.25, I think. What do you think the car is worth even though you owe $6,156.36.33 on it? I'm not sure, actually.

Of course not. Well, it's worth $5,000. 600. I mean, I needed a call one way or the other, so. Yeah, yeah, yeah. $221 and $0.81. But you could pay off a car instead of getting fast food because you live at home. And DoorDash.

And moronic, dumb, bullshit fucking stupid stuff like that. Shut the fuck up. No, you're not. You're done. You're dumb. Yeah, it's at a 10.44% of it. 10.4.4. I was close.

size of 4% little one. So I know some stuff. How's the condition of the car? It's in good condition. There's no issues with it. Miles?

I think it's $112,000 when I got it. Shazer Equinox? My mechanic look at it and he said it was in a good condition and that wasn't any issues. But, you know, we'll start pushing 200 on that thing and I start getting nervous.

So, I mean, that's a ticking time bomb, longer ticking time bomb, but all while we have no money? Like, that's scary. I mean, I'm not going to be jobless forever. I'm not going to. Says who? Says me. I'm not going to do it.

I don't trust you. Not a reliable narrator for this. I mean, I've had a job for seven years. So why would I suddenly just? Because you can't work standing up. And you've applied to 20 jobs in three months. So I'm going to apply to more jobs. So eventually I'll get a job.

stopped going to school for free? I have one last class. And then if I can't find a job... And then three more years. If I can't find a job that is tuition reimbursement, that I'll get my associates at a community college and then... Well, I would do that, but now you're going to be starting life at like 32. So, okay.

Wait, my mom went... $32 in your checking account. Your mom did it while she had a man. A partner. True. Could have been a girlfriend, too. I don't give... Slap flaps together.

Not saying it was because... of the man, but she had another income and help. Oh, $32 in our checking account, but oh, baby, we are spending on bull. You see that, ladies and gentlemen, you see that, ladies and gentlemen, you see that ladies and gentlemen, it's all fucking stupid.

Oh, she's going to Starbucks. $7.11 cents there? Shut the fuck up. You are not going to comment after every single purchase because there's only about a thousand to go through. Shut your mouth. Oh, with Starbucks. You only get a limited amount. Oh, and then she immediately talks.

I hate her. You only get a limited amount of, like, food and drinks, so that's why. And now no one's going to date you because of your personality as well, because you're horrible to have a conversation with. I do enjoy it a lot. I know. Trying to get bad with that. And so do why.

But again, I have the other things to make up for it. You have nothing to make up for it. Yeah? But yeah, that's why I have Starbucks on that because you only get a limited amount of stuff, so. I get hungry. Dutch bros. Dutch bros.

Cynarmark, Dutch pros, Chick-fil-A, Vox Studio. Dutch bros. Shipley donuts. Patreon. And it sure the fuck

ain't ours, which, by the way, our YouTube membership for is free right now. Sign up, submit your reimbursement at hammerleet.com. Three shows a day,

Monday through Friday, best YouTube membership on the platform. Second largest, soon to be number one because it is the best and you're not subscribing to that. You.

Patreon's back on. It's literally free. So, Dutch bros, Chick-fil-A going as I get into a bullshit. T.J. Max. Michael stores, Hobby Lobby. You don't have hobbies. You don't. I don't care.

Go work 80 hours a week. I don't give a... In a call center. I don't care. Starbucks, Starbucks, Starbucks stores, Starbucks stores. Michael stores, Hobby Lobby. Collected comics and... Dutch Bros. Chick-fil-A. Amazon. Chick-fil-A. Fucking Walmart.

Starbucks. Dutch Bros. Go in and to get some... Yeah, fuck you. Dutch pros, Chick-fil-A. When I stopped my cosplay. Bite dance? That's playtance? Oh, I think it's

Capcom. Oh, yes, that's TikTok. Yeah. Okay, you're paying for Capca, you fuck. Yeah. I'm a contact girl. Dutch Bros. You go to Dutch Bros every second of your life.

Yeah, I've started going to be a way so. Great for your health. Vintage stock, Chick-fil-A. Starbucks store, tropical smoothie cafe Dutch Bros. Apple Bill. PayPal and on money. PayPal and PayPal and I'm going to die.

$100 in savings, guys. We're such, we're such good at being. Well, I still. I started the cost like a cosplay and I thought I had everything and then I realized that I didn't. So it led to like getting one thing here and there, then to another. And yeah. Yeah. It's so interesting.

I was just enthrilled by that. And then the Dutch was, you get tired. Oh, she's still going. Keep up, please. You get tired of Starbucks after a while. Like, so we would do Dutch Bros ones for like, and they would like, you know, pay me back. I'm still just as interested as I was two minutes ago. $229 in this bowl.

Okay. Savings account. I don't know. I spent $2.29? Oh. No, it's in that fucking little extra savings account on the side. Oh, yeah. I mean, I'm going to make a budget, but we know how this works. You have money left over. Your overhead's practically nothing. Your minimum fee payments, yeah, they're shit, but, well, actually, now you don't make money, so.

We're consolidating. What's the point to make a budget if you don't make money? I guess we can see what you need to survive. We can see what you need to survive. Your minimum monthly payments, which is, by the way, unemployed in. an insane minimum payment amount to have. It's disgusting. In fact, it was about a third of your previous income, which is horrendous.

But either way, debt minimum monthly payment is $771.81. Okay, rent, nothing, nothing, nothing. Groceries, I'm going to say you can put $200 towards it because I know your parents put money towards it. Tee Fund, $100, anything else you need to survive. I'll do hobbies, savings, fun, subscriptions, whatever. I'll call it the Fun Fund. You can do a total of $100. Do you have any pets?

No. Thank you. Gas, room, room, drive, drive. Well, you don't go anywhere now. Shouldn't be. Once you're going into job interviews. Okay, I'm going to say $100 car insurance. That's part of the $300 to pay for my parents, to my parents.

They're not currently paying now. Why? Wait, what? Well, because I don't have a job. So, yeah. I mean, I will. I will. Shut the fuck up.

Literally, they're enabling you by not, by, okay. They're allowing you not to pay the $300 you agreed to to quit your... I didn't agree to. Hammer Financial score, go fuck yourself. Join us in the post show. I'm gonna f*** die.

And call their parents and look at her horrible resume. Remember, it is free to join Hammer Elite to subscribe and we'll reimburse you with a digital gift card that can be spent anywhere at hammerlead.com. Gine. See you there. Maybe. I don't know. We'll see. Why are you borrowing

money from your dad, not even... I have to be paid back! Why are you possibly borrowing money from your father? Let's call Papa. Are you familiar with the website only f***? Yeah. How would you feel if your daughter's put in a position where she has to

become an only f***er creator? I mean, she's an adult. My mentality is you can always make money somewhere. Glusive members' content? Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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