Financial Audit - I Can't Do This Anymore | Financial Audit

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Starting point is 00:00:34 At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You annoy the fuck out of me. I want to be a stay-at-home mom. That is my goal. Do you have a kid? No, I don't. What the what you're staying at home for?

Starting point is 00:00:59 I told him next year I would like to have a baby. You're sitting at home. You're not working. He's the only one making income. I'm very excited about it. What the fuck is wrong with your girlfriend? Going into debt. Yeah, she wants you to fucking blow her up with your n-knit so she can pop out of kid. Download my budgeting app today and take control of your money once and for all. And for a limited time only sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you.

Starting point is 00:01:25 Link in the description and pin comment below. Hi, my name's Kimberly. I'm 25 from New Bromples, Texas, and this is Financial Audit. Thanks for coming up to Austin. What do you do down there for a living? I am an office manager at an electric company. Very cool. What do you make? Monthly or?

Starting point is 00:01:46 Yeah, sure. 3,600. 3,600. Is that what hits your account in that? Yes. Okay. So 3,600, new Bromfels, smaller town in between two major metros. It's kind of right in between Austin and San Antonio. So you get a little bit of the price of lead there, but it's certainly not as expensive as a place like Austin.

Starting point is 00:02:03 For sure. How you live in? How are things going? How are you doing $3,600? It's fine. It's fine. It could always be better, of course. But I think, obviously not if I'm here.

Starting point is 00:02:18 But. Yeah. I pay my bills. Well, I've heard a lot of people say that. And then I find out no. But okay. You pay your bills. So that's, I guess.

Starting point is 00:02:33 Yes. Yay, we did that. Yeah. Okay, so what's the struggle? I guess just making it towards the end of the week with any money. Because it get paid every week. Like, I'm salary. Then how do you pay your bills if you're struggling to make it to the end of the pay period? Which is only a week.

Starting point is 00:02:52 Yeah, I know. Because of the weekends. That's what gets me. I like to go out. What is there like two bars in that town? What do you mean? I come to Austin. I go to San Antonio.

Starting point is 00:03:03 I'm in the middle. I get to go out. Great. So I'm paying on my bills. And then after that, whatever is left is bar money. So you drain to zero every week? Most of the week. Most weeks.

Starting point is 00:03:21 I, yeah, most weeks, if I'm being honest. What are you trying to live to? What are you trying to do? I want to be a stay-at-home mom. That is my goal. That's what I want. I don't want. Do you have a kid?

Starting point is 00:03:33 No, I don't. What the what you're staying home for? Well, I won't eventually. That's, I need to pay off everything I have. Do you have someone to make a kid with? I do. Okay. What's the status of that?

Starting point is 00:03:42 We've been together for five years. We live together. So, I mean, he has to finish school. When are you having a kid? I told him next year I would like to have a baby. And are you, what did he say? Let him finish school. When does he finish school?

Starting point is 00:03:59 The end of this year. So earlier then. Yeah. wait, well, the end of this year. What is he going to be making? I don't know. He's going, oops, sorry, he's going for computer science at Texas State right now. So, and then after that, he's either going to look in Dallas or Austin and then. Yeah, I mean, computer science is good. I don't know.

Starting point is 00:04:19 Getting out of potentially your financial position, maybe he's borrowing for school, for doing all that, you're sitting at home, you're not working. He's the only one making income. It's not 1950. I mean, is it, does it mathematically make sense at that time? Okay. Well, not right now. You want to be a stay-at-home mom, even though the only thing you call it like a child is a beer bottle. Interesting.

Starting point is 00:04:44 Yeah. So that's going to be a big lifestyle. You want to have a kid, but you can't not go out and blow the rest of your money for a week. So what are we talking about? I can not go out. I just, why not? Right now. But you actually only go out and drain to zero and do nothing.

Starting point is 00:04:59 that. So what do you mean? They want to. When people invite me. Yeah. And then I will invite you. When I have a kid, it's different. They will invite you.

Starting point is 00:05:09 They won't invite your kid. They'll invite you. Hopefully. And your husband will have been at work doing work. So he probably won't want to fully watch the kid. Even though stay at home, yes, we would definitely want to make sure you're able to still go out and experience the world. And he would need to take a bit of a sacrifice there.

Starting point is 00:05:24 But if all your life is, is going to bars and draining your account to zero, I mean, obviously you're not a productive member of the household then. So maybe... Right now I am. Yes, I am. And when you're staying home home... You're drained it to zero. Because I paid my bills.

Starting point is 00:05:39 Okay. Are your bills his bills? No. The only thing we split is rent. Okay, so you would have to overtake your bills. Well, if I could pay them off, then... No. You won't have the...

Starting point is 00:05:50 No. What do you mean by bills? Are you just talking minimum of payments on debts? No, no. Okay, then are you going to pay off an apartment? I don't think so. Oh, yeah, I guess. So what are you talking about paying on?

Starting point is 00:05:59 I'm talking about like my car. I want to pay that off. These cards, I owe IRS, which I guess we'll get into. You fucking kidding me. For what? For what possibly? For why? Because I was a server and apparently, this is a story in itself.

Starting point is 00:06:18 I was a server at a restaurant in New Bromfels. And I made a lot of money. I was claiming my tips, but when I went to go file taxes, I like did all the numbers and they said it owed $2,000 for one year. Yeah, because you claimed your tips and you didn't fucking set any money aside for the tips in cash. Yeah. Cash, credit card, I'm sure that's probably withheld for you. Yes, that was.

Starting point is 00:06:42 But then, so I saw it was $2,000. I was like, I don't have that, so I'm not going to pay it. $2,000, make a break. Can you bring in $3,600 net on? Maybe we don't go to the bar every five seconds of our life and live off the bottle and drain to zero from the bottle. Yeah. If we owe $2,000, which is just. over half of our monthly income, which net, which you should be able to pay off.

Starting point is 00:07:05 That's just the act of a child. The one, what year? What year? Taxes was this? 2021. I owe 2000 for 22. And then I know. So, 2000 for 21?

Starting point is 00:07:17 2,800 for 2021. 2,000. All for taxes? Why did you not fix it for the next year? Why did you not fix it for the next year? Because. If you knew there was the flaw of it from the first year. For some reason, I thought they would never come after me.

Starting point is 00:07:30 There's bigger fish in the sea. And then I realized if I want to buy a house. Yeah, exactly. They don't fuck you in more ways than just that. Well, I'm on a payment plan now. Really? So these are the bills. They're bills.

Starting point is 00:07:45 Yes, they're bills. My bills. Okay. They're my bills. Yeah, yeah. You love to talk about your bills. So I'm just making sure we understand what your bills are. Do you know to split rent?

Starting point is 00:07:57 I do split rent. Okay, that's probably a bill. And again, that doesn't just go away. So he would have to overtake that. Do you pay towards utilities, towards groceries? Groceries I do.

Starting point is 00:08:06 Utilities, he takes care of already. Okay, so you would have to take care of your full thing of grocery. So there's more here than just paying off that. Paying off that, obviously going in that situation is going to be good. You don't want to go in that situation with a bunch of debt because it's a lot of risk. Yeah. Well, I guess my main focus is to be a mom and to do what I need to do. Yeah.

Starting point is 00:08:25 How about you set your kid up for success, though, instead of having... I got to take care of me for. First, not in a... That's what I was just saying. Okay, okay. What do you think I was just saying? I was saying set your kid up for success by you not going into the parenthood. Yeah.

Starting point is 00:08:39 Okay. I mean, you're taking it yourself. So, I mean, you're probably good. Okay. I didn't make a selfish way. Yeah, how much did you spend? Because $3,600 went out. How much did you spend?

Starting point is 00:08:50 3,600 came in. Yes. I'm going to say 38 if I had to guess. 38. So $200 more? Yes. How would you do that? The credit cards.

Starting point is 00:09:06 Why would I do that? And you're okay with that with wanting to have a kid? No, I'm not. We're taking care of ourselves, so we're taking care of the kid, but we're going to spend more than we make. I thought you said you drained down to zero, and then you paid your bill so you're good, so you wouldn't be putting any money on our credit card. Well, wouldn't you go out? No, you said you drained to zero. You didn't say you drained to negative.

Starting point is 00:09:26 Well, I guess I didn't see it as negative when it's still a very important. on the credit card. How do you view credit cards? How do I view them or how do I... Yeah, how do you view them? I view them as money that's available to spend that needs to be paid back. Eventually needs to be paid back.

Starting point is 00:09:51 So it's not your money then, and you already know that. So what the fuck are you talking about? I had it and it was available. I think it was available, but you know what's not your money. That would obviously be negative if you're talking about

Starting point is 00:10:02 how much you spent on a monthly basis. I was there. Also, you spend basically $5,000. So shut the fuck up. You're like, you don't want to be a stay-at-home mom. I do. Yeah, well, you want to run away from everything, apparently, more than anything, because you're not doing anything. 5,000 is actually insane.

Starting point is 00:10:23 I don't know how you got that number. By your spending. Where? I feel like, honestly. Yeah, because you can spend on debt. I feel like there's no way that happened. credit cards have been maxed out for a long time. Where did the extra $2,000 come from that?

Starting point is 00:10:44 Let's find out. But you know that's more money than you can possibly spend. So I'm guessing, at least for these next couple months, no more going out this week, right? That's in the plan because you're fucking, you want to be a stay-at-home mom. Yes. You're done. Also this weekend, while we're talking about going out, I will be attending a, Bachelorette. I'm very excited about it.

Starting point is 00:11:13 How much did you have to put towards that? I mean, it's hard to tell someone no for a bachelorette because I get it. It's your best friend probably. But how much you have to put towards that? So, but that's different than you going out to a bar every weekend. This is a one-time thing that happens here or there. And I'm not dramatically opposed to that. Okay. Well, I had to put $4,000, not $400 to buy the Airbnb because I... That is clearly not your issue if you're spending $2,000 more than you make on a monthly basis. Well, it's part of the issue because I covered another girl's thing. Why? Because I felt bad. I had already told the other girls the price. And then I didn't want to... Money is a weird conversation for anybody.

Starting point is 00:11:53 And so I just was like, I have the money right now. Why don't I just do it? if I have it, why can't I do it? You know what I mean? And I feel like that's... Because you want to become a stay-at-home mom? What goal matters more? What goal matters more? I think it's just about timeline.

Starting point is 00:12:10 Like I know... Okay, yeah, and you want to have a kid like tomorrow. So what goal matters more? The mom. The mom. Then why aren't you prioritizing it? I don't understand. That's like your fucking choice.

Starting point is 00:12:24 You could just go do that. I know, but also like fun. Well, not just go. do that, but you can at least make the actual progress and the stuff that isn't necessary to get there. Getting on our budget, not blowing all our money. I'm spending two thousand hours more than we make on a monthly basis. Yes. But fun is also a priority for me too. And on the spatula, she wants to go and get them a side. It's a priority for all of us, but which one do you choose? They can't both be the top priority when you're obviously failing one from the other. Your obvious top priority is fun,

Starting point is 00:12:56 because that is what your money. No, that is what your money is doing. Fun right now. Fun right now. But your fun right now is preventing you from having a kid, or you're going to get a kid in a household that's going to be stressed financially, and it's not going to be a good environment. Well, I think...

Starting point is 00:13:12 Not the environment you would want. That's true. But I think fun right now and then focus after the Spatulet, after the wedding, and then after the cruise in September, I will... September. We're talking to fucking September. That's a half of it. a year away. You're already talking about having a kid at the end of the fucking year. So,

Starting point is 00:13:32 sorry. And then outrageous, that's so stupid. I know, but I just, oh, shut up. I know. What the fuck is that? Because I don't know. No, no, no, no, I'm not going to let you get away. Though what kind of response is that? I know. Yeah, you choose to do it. No, that's going to infuriate me. My goal is to have a kid sometime next year. Sometime next year. That's a, that's a, that's time for me to get my together and have and have fun. Yes. How? Tell me, what's your grand plan?

Starting point is 00:14:02 Please. Actually, okay. Okay. Okay. Very good. Very good. May I borrow? My friends.

Starting point is 00:14:10 My friends, may I borrow. Well, here's Lindsay. Okay. Why don't I get your plan? Why don't you give me a little plan? Do a step-by-step instructional plan. Can I have that? I want to see this because I would love to see you math this out.

Starting point is 00:14:25 Please. plan. Just a little plan, you know? A step-by-step detailed, high overview plan that is going to be just stellar. Best plan that's ever been creating the history of the world. Please, show me. June. Whoops.

Starting point is 00:14:42 Mm-hmm. Mm-hmm. So May says wedding, right? Is that what this is? Me's wedding, yeah. Okay, good. Not for me. Not for me.

Starting point is 00:14:49 Wait. Well done. June through. April depth. You were in April. And I just saw you're spending you in $2,000. more in debt. So what debt are you talking about? You don't spend, you don't not spend more than you, but you're going to a bachelor's this weekend. What are you talking about? This plan's already broken.

Starting point is 00:15:06 No, look, okay. No. No, this isn't a high detailed plan. You're writing like two letters. April, Bachelorette. Have fun. I thought I said debt. I was reading upside. No, no. Okay. May wedding. Great. So two months gone. June until February is all save, save, save, save, save. No, it's not. No, it's not. No, it's not. What about September? September. Cruz. That's only $500. That I, 500.

Starting point is 00:15:33 Which is huge. It's a substantial amount of money. You have no respect to the dollar. $500 is huge for you. What the fuck you're talking about? $3,800 comes in, right? $3,600. 14% of your money.

Starting point is 00:15:47 You say that's nothing. You spend $2,000 more than you bring in on a monthly basis. $500 is nothing. That's just going to be an extra $500 on top of the $2,000 than you spend more on a monthly basis. That doesn't make any sense. Oh, it is booked. What's the additional 500?

Starting point is 00:16:04 For what? What are you talking about? For the booked crews. Oh, um, well, it's not booked, booked. I put a deposit down. Then stop! And I put... What was the deposit?

Starting point is 00:16:16 $100. Good. You lost it. I booked an excursion for $400. No refundable. But you still have to spend $500. Yes. Good, you're not going.

Starting point is 00:16:25 So you lost $500 instead of $1,000. Well done. Well done. Good. That's the cost of being a dumb. And we're no longer being a dumb. That's the goal. We're no longer being a dumb man.

Starting point is 00:16:34 Yeah, but I don't. The goal is no longer being a dumb man. And sometimes you have to sacrifice things. And sometimes sacrificing some things is sacrificing fun. I haven't been on a vacation in like four years. Good. You're not in a position to. You're not entitled to that.

Starting point is 00:16:52 No one is. What the fucking luxury world are you living and shut up? Don't even, don't even open your mouth. That makes no sense. I don't care if you haven't been on a vacation. if you haven't been on a vacation. You are not entitled to a vacation. You can go on a vacation when you're literally able to go on a vacation. Mathematically right now, you are not able to. You are choosing a vacation over the child. That is what you are picking. Which one of the ones, lady? Which one of the child? Lady? I want to do both. That's what I want. Nope. Probably not. You sent $2,000 as one of the new burden on a monthly basis. You have $20,000 of it is IRS. that good fucking luck.

Starting point is 00:17:36 Want to have a kid next year? Next year's eight months away. 20,000 hours, bad debt. I could do like... Good. 2,500 hours a month has to go towards that. You bring in 3,600.

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Starting point is 00:18:57 Yeah. But I don't have to get pregnant at like January. I could wait until the end of the year. I just want to like be pregnant next year. Okay. Even half the amount of time, $1,500,000, maybe $2,000 to go towards that. Then we still have to get a fully funded emergency fund,

Starting point is 00:19:10 which I highly doubt you have. So at that point, you're still dramatically behind. Or putting yourself in a risky position when having this kid, this makes no sense. Well, it's not just me. With the desperation to be a stay-at-home mom. It's like, I get it. And you can do that if you guys want to,

Starting point is 00:19:26 but mathematically, it's not working right now. It's not just me, pain. Like, I have a- Who? boyfriend. Boyfriend. Yes, we've talked about it. He will be there to help.

Starting point is 00:19:38 It's not just me. Why is your debt there then? Well, because I don't like to ask him for help. Then will he be there for help? If I asked. Really, so the boyfriend's going to bail us out without actually learning anything, so we're just going to get there again and then bring him down. That's going to be, that's such a, for co-parents and eventually a married couple,

Starting point is 00:19:58 that's a really good, successful start to a relationship. Hopefully, that would not bring him. down, hopefully. It will because you wouldn't have fixed your behavior to pay off your debt. You would have gone into more debt, most likely, because you just bailed out because of, also, just you have a $20,000 laying around? Probably not. So what the fuck are you talking about?

Starting point is 00:20:17 I mean, it's a process. Everything's a process. It's a process, but your process is going reverse. I don't think so. You can say some exciting words and phrases, but that's not true. You don't think so. You spend $2,000 more. Well, I need to get this across your head before we jump into these documents.

Starting point is 00:20:31 The fact that you can't even comprehend this, the process you're doing is reverse. And if that's the way you want to go, fucking do it, that's okay. If you want your child to grow up in a completely stressful place where the marriage is likely to not be successful because you guys are doing one of the... 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.

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Starting point is 00:21:13 Hilton, for the stay. A leading cause for divorce in this country. That is your choice. If you want to have fun and prioritizeification over a good household for your child, that is your choice. You can do that. You can walk out.

Starting point is 00:21:23 But you came on this show, you applied to this show for me to give you the wake-up call of, hey, maybe you're fucking up. And guess what? I'm trying to tell you, you're fucking up. You are not on the path. What path are you on?

Starting point is 00:21:35 Your path is going down a dirt fucking hill rolling. Rolling. Well, the path is up there and everyone else is succeeding. What are you talking about? Baby's up there. You're going down there. You're going down there. You're going to drown. There's a pond.

Starting point is 00:21:47 You don't look like you can swim. So I don't know. I feel like it always works out. I really do. I feel like, like I, like I said, all my bills are paid. The debt is there. Yeah. But it's being paid on.

Starting point is 00:22:03 I don't know how I spent $2,000 more than Kaman. I don't know where that's at in your calculations. I think both are achievable. I think both are achievable. I understand I spent more than, yeah, but that's not like preventing me from being wrong. mathematically tell me how both are achievable if you're paying all your other bills at the same time.

Starting point is 00:22:23 I'm sorry. I said mathematically, how are they available at the same time? if you are still paying your bills. How can we get there if in order to have a fully funded emergency fund and pay off all this debt before you have a kid likely has to be, even if it's a year and a half from now, like 2,500 hours on a monthly basis to take into account the emergency fund? How are you still having fun in doing that mathematically? Give me the math. I would love the equation because you're going to be unlocking some new math that is going to disqualming. some new math that is going to discover

Starting point is 00:22:59 how the universe was created or something in order to make this worth. Please go ahead. Okay, so maybe I would have to cut down a little bit. What's a little? Tell me, what's the number? You've obviously planned this out in your head. What's the number? You figured it out. Come on, please, tell me. Maybe like an extra $300 a month. $300 a month, what?

Starting point is 00:23:19 Towards debt? Towards debt, yeah. Okay, 300 hours a month. Let's see. $20,000, but you need $40,000 because we're doing an emergency phone. No money is going towards that. $300. Wonderful. That takes 133 months. 133 months is 11 years. Congratulations. You'll be having a kid at 35. Okay. So go ahead. Please tell me this grand equation. I would love you to walk me how you got there. You're the genius. You haven't figured out. You have the path.

Starting point is 00:23:47 You're on the path. The path has been discovered. We're on it. We're walking. It's so good. What a lovely path. Please tell me. I want to learn how every stuff works. I want to go on this path. Okay, so maybe I just go on the Bachelorette, go to the wedding, go to the cruise, that's it. Okay, so the things we already talked about they're going to take away money from the debt payoff.

Starting point is 00:24:08 So you spend no money going out to you, spend no money getting coffee, spend no money getting, listen, everyone on the show smokes. Do you smoke something? I do. Of course you do. What do you smoke? Vap and

Starting point is 00:24:22 Oh, you're a double lung destroyer. Congratulations. Double budget breaker. wonderful. So are you taking away that? Are we taking away that probably? Now that's an addiction good luck. I want to. Want to means absolutely nothing. You do or you don't? I will. I will. I can. Can you? Why haven't you done it? It's hard. Hmm. But so will you then? I will. But you haven't because it's hard. Well, I want to quit anyways because the cruise is coming up and you can't take it on the cruise. Listen, answer this question truthfully. This will just give us a good, a good, just, of your financial situation.

Starting point is 00:25:04 Your boyfriend, you say you split things. Okay. Does he ever have to cover any of your bills that you're responsible for? Sometimes he will pay my phone bill. Well, fuck you then. You're done. Yeah. Okay?

Starting point is 00:25:14 If you already has to pay for bills that you are supposed to take care of. That's like once in a blue moon. That blue moon must happen endlessly. Okay? Listen, if he is taking care of bills that you are required to take care of already when we're splitting bills, good luck. You're going to put $2,500 towards debt and emergency fund to have a kid by a year and a half times period? Good luck. No, you're not.

Starting point is 00:25:45 Maybe this is time to accept. Maybe your path is wrong. Maybe your method does not work, and that is okay, and you're willing to hear something different. Maybe you don't have it figured out. Maybe you were accepted on the show because your finances are. Dome ma! I mean, maybe. So you think, just cutting back those three things gets us there,

Starting point is 00:26:04 even though he has to pay for the bill. So you're cutting back all food, all vape, all smoke, all cancer, all off. You're cutting back everything. Everything is all gone? All gone, is it? I think. I wish you spent up fast food in a month. I mean.

Starting point is 00:26:22 That number, I cook probably once a week. So let's see if I had to guess like three. $300. I cook once a week, so it's $300. Does that mean you eat out six times a week? Probably. Yeah, and how many meals do you eat a day? Like two meals a day, or lunch and dinner. I don't know how I'm learning to cook. I am learning to cook. I was never taught. Okay, use our cookbook. Use our cookbook. Everyone out there gets a physical version of our cookbook when you sign up for simpler budget, the annual edition, which saves you months of payments anyway.

Starting point is 00:27:01 Use the cookbook. I mean, it's just a recipe. Learn how to cook. It's right there. It's budget friendly, too. It's for a $300 a month of grocery budget. So $300 a month. So two meals, two meals you cook once a day.

Starting point is 00:27:12 So that means we have two times six plus one for the other meal that you're not cooking because you cook for one meal. And you only eat two meals a day. 13 meals. We must have $300, 13. So you spend. Uh, 300 hours. Oh, sorry, but $300 a week, you say you spend?

Starting point is 00:27:37 No, you said a month. Probably a month. Yeah, okay. So 13 times four. So that's 52. Well done. $3502. So you spend $5.76 a meal.

Starting point is 00:27:49 Your path is very interesting. It's the most interesting path I've ever seen. The path's a little crooked and broken. And so. I'm learning to cook. It's a process. That's not my point. You say you spent $300, $300 going out to eat.

Starting point is 00:28:09 That would be $5.76 a meal. What's the last time you went to a fast food restaurant? Even McDonald's and got something for $5. That's actually a meal. They actually have... They have a McGingbang that I get quite often. What? Yeah, I know.

Starting point is 00:28:25 It looks like you've been McGang banged quite a few times. Whoa. So... Ronald just can't stop shoving it in. I'll let him. You're a McDonald, not a whore. I know you like free things, and I'm giving some things away for free right now,

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Starting point is 00:29:04 you'll still get access to that 30-day simpler budget trial. And act now because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back and finally take control of your financial future or don't. And you can end up right here. Oh, by the way, he spent a thousand hours going.

Starting point is 00:29:38 So, I mean, go fuck yourself. No way. Yes, way. $20 on average per meal if you only cook one meal a week, which, yes, makes sense. I just swipe, which is bad, I know. But if I want something and I have the money, why don't I get it for myself? You don't have the money. You spend $2,000 more than you make on a monthly basis.

Starting point is 00:30:03 You don't have the money. What are you talking about? What are you talking about? I just, if I want it. just want more than the kid. That's not true. I do. I want a kid. You don't even know how much you spend on food.

Starting point is 00:30:22 You don't know how much you spend on any of that. You do not get to leave this building until you download the simpler budget app. It automates everything. It is so simple. It will literally just change your life. I don't know why everyone in the world doesn't just use it. Literally download it. And again, anyone who signs up for the annual version gets one of these founders' editions,

Starting point is 00:30:38 signed notebooks and the cookbook mailed directly to you when you sign it for annual. What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best. I actually took the test I did, and I got a zero. Oh, sadly. And you think you have the path to get there. Eventually, the process. This is what, yeah, the process, guys.

Starting point is 00:30:57 It's a process, guys. It's a process. It's a process. But you can't describe the process. It's a process. You just don't know what. Figuring it out. What are you talking about?

Starting point is 00:31:07 It's a process. Everything's a process by your logic. It's a process. I don't know what you. you mean it's a process. It's the dumbest thing. If you want to see a fucking process, go to Calebhammer.com and I'll

Starting point is 00:31:18 go through the equation and quiz and I'll give you your financial score. And if you have a process that you need broken apart, come down here to Austin, Texas. I'd be happy to have you on the show at Calebhammer.com, such a supply. I have time.

Starting point is 00:31:34 I have time to fix this before I have a baby. We've already went through the math. Lady. I don't... How many McDonald's are up there? Like, is that just like taking all brain capacity away? No, that might be. She got really excited when I mentioned McDonald's.

Starting point is 00:31:52 Did you guys see that? This is my favorite place to eat. Uncontrol. Is it? Mm-hmm. I love it. It's cheap and it's good and it's fast. You spend $20 on average.

Starting point is 00:32:04 Yeah. Ooki-dokey. Let's get into the finances because, oh, my. I don't know if you'll be able to understand. the numbers I am saying. We'll see. Capital One. Just OG classic capital one. We're looking at $1,847.40.

Starting point is 00:32:27 With a $67 minimum monthly payment. Good. What's going on with this card? What's going on? So I know on that one, I think I bought an Apple Watch on that one. and then I lost it. So I had to buy another Applewad.

Starting point is 00:32:56 Yeah, for all your workouts. My, okay. Yeah. I am trying to work out. That's why I have to have it. And I use it for work. So. Uh-huh.

Starting point is 00:33:09 You have to have it for work? Well, I don't have to have it to work. But I use it. I said I use it for work. I didn't say I have to have it. Oh, what do you even use it to work for? When I'm driving and the guys are texting me I can just be like, hey, or respond.

Starting point is 00:33:24 And it does track when I work out. Right, because you do not have a phone. I do have a phone. But you're not supposed to be on your phone when you drive. Is your car not send text? Yeah, it does have Apple CarPlay. What the fuck are you talking about? Well, Apple CarPlay is for maps.

Starting point is 00:33:38 It's just easier to just like, see it. Great. That's certainly not distracting to respond to. Respond, not just glancing. Yeah, I just need to look. If I need to respond, yeah, I'll, hey, Siri, text. You didn't have AppleCare? No, I didn't think I would lose it.

Starting point is 00:33:59 When did you lose it? How quickly after purchasing it did you lose it? Maybe like five months, which really sucked. And then I waited another five months and I was like, okay, no, I have to have a watch. And so I went about another one. Okay, so what's going to happen the next time you lose that and you drop it in a mic bag and it somehow ends up down your throat? I'm not going to lose it. This one I'm taking very good care of.

Starting point is 00:34:26 I'm trying to. Trying to. Everything's trying to. You have to try. You have to try. I don't think you've tried. I've seen your actual effort. I don't think you've tried.

Starting point is 00:34:34 There's nothing here to suggest that you have tried. To be able to use that word, I don't think you're allowed to use that word. Trying? Yes. I think I'm always trying. Or at least always thinking about it. And you're trying is a fake version of that word. Always thinking about trying.

Starting point is 00:34:48 So, guys, I might attempt to try today. I might try to try to try. When you say it like that, I'm like, I think about everything all the time, like all my payments. But you do nothing. But I think about it. That means nothing to me. That's even worse than you being ignorant because you're not ignorant. You know, you know this and you don't make progress by your choice.

Starting point is 00:35:08 It's like overwhelming. It is. Yeah, but it gets more overwhelming by you not addressing it. I'm trying. No. No, you are not. We just. I'm.

Starting point is 00:35:22 working on it. No, you're not. You live in a delusional world. I know what I need to do. Then do it! Why don't you? Can you tell me why you actually don't? Please, I would love to hear why you think you don't.

Starting point is 00:35:40 In your own brain, why do you think you don't? Because you are knowledgeable about the situation and what you need to do, apparently, according to you. I think it gets overwhelming. I think I don't know where to start. You said you know what to do. I know what to do. It's just like hard. And then like people invite you out.

Starting point is 00:35:57 Since you don't know how to start and you know what to do. Which one is it? Well, it's just hard. What? To like think about, okay, I don't need to do this. I know, but I'm not thinking about like, I don't want to hurt people stealing. So when people invite me out or go out,

Starting point is 00:36:14 it's like I'm a people pleaser. So if they invite me to go eat, of course I'm going to. 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, or get $50 off a select Weber Spirit grill, and bring big flavor to your backyard.

Starting point is 00:36:35 Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th, Exclusion supplies to homedipo.com slash price match for details. I mean, you have to go spend money there, though. you can go and get a fucking just drink or something listen your eating out cost was on average 20 bucks per spot you don't have to spend that much

Starting point is 00:36:59 depending on where you're going well everyone's inviting you go to the drive-thru that doesn't make any sense you go to say you go to McDonald's every second so that's not getting invited to go out that's you fucking around what you mean that's not saying someone no that's just telling your boy McDonnell McDonald's yeah this is telling him no and he's not inviting you no matter what you see at night No, but that's that's more,

Starting point is 00:37:24 McDonald's is more for like lunch break. I eat McDonald's. And then if I go home and I don't cook, I mean, Cameron, you're gonna be one of those parents that only feeds their kid McDonald's. No way. Yes, you are. No. You're too lazy to cook for yourself.

Starting point is 00:37:37 That's what I'm saying. This is a process. I have to get. Yes, it's a process if you do it. But you're not. You fucking, oh, your, your terminology and use of words is going to infuriate me. You don't do anything yet. You just try to pretend like you are or that you say the right phrase to get out of some pushback.

Starting point is 00:37:56 Shut the fuck up. You can't take care of yourself. You think you're going to take care of a kid? Yes. I think I will be there. Why? What's going to change that? I think I'm going to be a good mom.

Starting point is 00:38:05 You're going to be excited for the first six months and then you're going to move on to something else. No. You're going to feed them to make fries. I do move on to like hobbies like that. But kids are different. Kids, that's like all I've ever dreamed about is like kids. Three. Three kids.

Starting point is 00:38:18 Right. But you are choosing. It's like tunnels over that. Because I feel like it's still like possibly a year and a half away before I'm even pregnant. Is this conversation just a repeat fest? I've already described how much money

Starting point is 00:38:33 you need to put towards it on a monthly basis to get there in a year and a half. To pay off everything. Yeah, and have a fully funded emergency fund in order to have a kid in a safe way without them growing up in a stressful financially household. Like $2,500 a month. It's quite a bit.

Starting point is 00:38:49 It's fun of a thousand getting McDonald's. That's insane. Yeah, I don't... Okay, you also spend $134 and $34 on this card. Why are you putting money on a credit card that cannot be fully paid off

Starting point is 00:39:03 that is accruing interest? You started above the credit limit the month previous. You started above the fucking credit limit. For fuck's sake, what are we doing here? And we're ready to have a kid. I didn't mean to spend on that card. I didn't mean to, guys.

Starting point is 00:39:17 Because, no, no. It didn't actually happen because I didn't mean to. What the, none of these words you say mean anything. Because I took my dog to the pet parlor. I had the money in my account, but they charged my credit card automatically. I think. I think. No.

Starting point is 00:39:36 That's a fucking lie. Or again, you're stupid. I don't know. Which one is it? Are you a liar or stupid? No. That one would have been. I was confused.

Starting point is 00:39:44 Are you a liar or stupid? Lyer or stupid are the options? Choose one. Confused. What are you? you confused about because that was a different month is your confusion so much that it equals stupid i feel like we might be going that way the third option that there's not a third option what do you mean you can what were you confused about i was confused about which month i was talking about when i brought up

Starting point is 00:40:04 the pet parlor does it matter which month you started above the card to card limit and then spend on it so so fcky would be my response that just shows it's even worse you're making my fucking mouth work over time today this is insane this is so dumb You think it's okay and excusable because I didn't remember which one, which actually means that I f*** around every single month, make it bad every single month. What are we talking about? You know, it's wild?

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Starting point is 00:41:58 The best part is there's no risk to apply. You're not committing to anything yet. There's a 30-day money-back guarantee. And you can cancel any time, so join the thousands of parents who've already done this. Protect your family's financial future today. Apply right now in just minutes at meetfabric.com slash Caleb. That is, meetfabric.com slash Caleb, M-E-E-T-Fabric.com slash Caleb. Let's get back into the episode. You ever try to organize your finances while your dog is throwing up on the rug?

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Starting point is 00:43:15 That is shipstation.com slash Caleb. Let's get back to the episode. I don't know why that one started over the credit, probably because of interest. I never put it over by myself with my purchases. So maybe interest got me there. But it was not, like I didn't purchase something to put it over if that makes it any better. No. I honestly, I didn't even listen to any words you just said there because none of the words you've said this episode.

Starting point is 00:43:47 have been honestly good. It's all bull. You don't have any sense of logic that makes any sense. I just feel like you're not understanding me. Then explain it in a different way to try to make it breakthrough to me. Try it in a different way, a different way that you haven't done yet. I have that card.

Starting point is 00:44:09 I feel like I was only using it when... No, I'm not going to say that. No, say it. I was going to say, I was going to say that I feel like I only use it when I have to. But that's not true either. The way I see it is if I can pay off these cards. But you can. I can.

Starting point is 00:44:34 You haven't. And we've done the math. So good luck. I can pay off these cards. Okay. Okay. We can all say things that aren't you. Sure.

Starting point is 00:44:43 Go ahead. Well, I will pay off these cards. And then I have. I have, like, it's not going to take me that long to pay off the cards, I don't think. What's that mean? If I buckle down and do it, pay off the cards. Buckle down, good luck. I can do it.

Starting point is 00:44:59 If I put my mind to something, I will do it. I just haven't, like, done it. That is a custom buckle. But it's like my time limit is coming. It's almost done with school. And then I put a time limit on myself for a baby next year. So maybe that's like what I needed. Motivation.

Starting point is 00:45:16 But we know what it takes to get there, which has my fifth. that I'm saying this, which means literally nothing gets through to you. So all of a sudden, you're set on this kid. Are you a hobby jumper? I am. And this kid's going to be the new hobby. This is what it sounds like to me. No.

Starting point is 00:45:31 That makes so much sense. No. I don't think so. To you, I think it's a hobby. No. I 100% think so what are your hobby jumps? I like to crochet and paint. Yeah.

Starting point is 00:45:42 And... Talk about the jumps and how much money you put into them. You wouldn't know because you don't track your money. I don't. I know I spent quite a bit. on painting because I had to buy like canvases and paints and paint brushes. I also tried to do my own nails, so I bought like nail set and stuff. Great. They look like nothing.

Starting point is 00:46:00 Well, because they're not done yet. I'm going on a bachelorette this weekend, and they will be done then this weekend. Continue. I bought a hiking app. Did not. For what? I wanted to start hiking. Did you? No.

Starting point is 00:46:22 But I still can because I still have the app and it doesn't like cancel until March or something of next year. It's like a yearly thing. Why? What would you do that? Because I feel like in my mind if I spent money on it, I was like, okay, then like you spent this money, you have to do it. But you didn't. But I didn't. Oh, girl.

Starting point is 00:46:45 It's like you're losing me here. You're losing me. What the fuck are we doing? What a joke What a joke I had good intentions You're just jumping No buddy

Starting point is 00:46:58 I honestly I don't know what your intentions are I don't think you know What your intentions are You jump between things You want to have a kid It's your next hobby This is stupid

Starting point is 00:47:06 You started to card a car A kid is not a hobby It is to you with the way you do things That's all I've dreamed about It's like for real That's what I'm meant to do Yeah all you do is just Eat McDonald's every day

Starting point is 00:47:18 And that's what you're gonna do for them No, I'm not. And as a fellow fat, I get it. That's what, I mean, I love me some McDee, dude. Oh, McGing bang. Listen, I'm not deep enough in the McDonald's lore to have the shit you got. I don't know what the fuck you're talking about. I don't live my life there like you.

Starting point is 00:47:38 Okay, look, you take a McDouble. No, I don't even want to hear it. It's going to disgust me. It's disgusting me. I'm already becoming disgusted. I'm vomiting right now. McGangbang. Okay, so, yeah, your purchases,

Starting point is 00:47:50 curbside groceries, okay, you know, it does cost a little more typically. There's a little bit of a surcharge. Stop, can you take that fucking thing? Sorry. It is obnoxious. It is beyond obnoxious. It matches your personality so much. Obnoxious.

Starting point is 00:48:06 Go green botanical garden, snacks and munchies, Taco Cabana, Chick-fil-A, and going in and getting some bowl. Yeah. Lunch. Real important. When we have a kid. When we can't pay off debt, when we're starting it above the credit card limit. Yeah.

Starting point is 00:48:29 That's for lunch. Lunch. And then the good green. Oh, oh, oh, oh. Oh. I can't even, like, say the words. I said them. I've said them so many times.

Starting point is 00:48:40 I can't even, like, say the words. I, what, are you're, like. I don't want to make you mad. What are you fucking shut? Shh, shh, shh, that's okay. No. Bread. Sauce of choice.

Starting point is 00:49:01 Condiment. Meat of choice. Yeah. Lettuce of choice. Tomatoes if desired. Bread. Yep. Packed up.

Starting point is 00:49:14 Taking to work. Consumed. While we just saved so much money. So much money and time. And time. And time. You already curbside groceries? You already curbside the groceries.

Starting point is 00:49:31 Yeah, that's really a blessing. Curbside. I don't know. I guess when I'm thinking about or when I buy groceries, it's never like... Oh, the food that I should eat instead of going out to eat? No, but like, it's like, since I don't know how to cook, I'm just buying, like, I look at recipes, buy the recipes. And then that's like all I can make with that, whatever I bought from HGB. What are you even buying a target?

Starting point is 00:49:55 Um, everything. I can show you if you want. Show me? Yeah, curbside. Curbside groceries and curbside Target is the best. Okay, curbside. Yeah, so. Oh, so you purchase an app? In app and in store, but I like type my number in.

Starting point is 00:50:11 Okay. For return purposes, if you ever need. Oh, good. Trash. Meat. Oh, well, actually. I feel like. Her custom cooked meal is spaghetti and sauce.

Starting point is 00:50:23 But that's okay. That's one thing. Listen, it is cheap. I'm not going to make fun of it. I'm not going to make fun of it. You just made it sound so much more learning to cook earlier. Yeah. Pre-workout.

Starting point is 00:50:34 That pre is holding some weight. Brian. Ryan. The new. Kendra Scott. That was for. Kendra Scott. Thank goodness.

Starting point is 00:50:46 Good. That was for, I do like to shop, but that was not for me. That was for my stepmom's Christmas present, I think. Fuck your step. Are you guys married? My stepmom. Oh, stepmom. Sorry, sorry, sorry.

Starting point is 00:51:01 I was hearing mother-in-law. No, not married to my step-mom. Yeah, yeah, yeah. But also, fuck your step-mom, because I don't care. No, Christmas. You want to have a kid. Put your kid over your step-mom when it comes to Christmas. Christmas, that's Christmas.

Starting point is 00:51:12 This is the first year that- You'll have so many more Christmas there. Shut the fuck out. This is the first year I could actually, like, do it. Endless amount of tampons. Dooney tampons. I don't know. We've got to clean up after the McGing-gang.

Starting point is 00:51:25 That was, pretty funny. You just get bags of cheese, but nothing else with it? It makes sausage wraps. That's one thing I do. We got bleach and bags of cheese. The classic combination. Endless, endless clothes.

Starting point is 00:51:41 Endless amount of clothes. Also, not loving your AT&T or T Mobile Bill. Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile bill to Verizon and we'll give you a better deal. So get away from that unfortunate phone bill and get to Verizon. ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T mobile bill to a Verizon store today

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Starting point is 00:52:19 They can be fun, but that's for people out of debt. It can be fun, but that's for people out of debt. You could totally get closed cheaper. And also I assume you have clothes. Do you have clothes? I have clothes. I have clothes in my closet. I just like never can find an outfit or put anything together.

Starting point is 00:52:35 So stitch fix. What are you broken? Can you now look? I'm confused. You also have a boyfriend to help put him on a mission. It just never looks good after you wear it a couple of times. Then don't look good. I don't want to do that either.

Starting point is 00:52:52 Cool. So you don't want to be able to afford to have a kid. No, I do. I just, I don't have to be. Ugly and have a kid. Like, I can be hot and have a kid. Surprisingly not, like, buying a ton of makeup a target, because a lot of my friends, they buy a shit, makeup a target.

Starting point is 00:53:06 It's because I buy makeup at old top. Oh, sick. Okay, so how much we spend on makeup? Maybe, like, $70 a month, if that. That's not that bad. This is everything adding up. It's everything adding up. Your math isn't mathing.

Starting point is 00:53:26 Yeah. I mean, it's $49. I mean, it's $49 just in a single month. I just... You just what? What possibly do you just? Whenever I need something, I buy it. I'm very...

Starting point is 00:53:37 You have a misconception about the word need. You do not need $1,000 McDonald's. I do not, but I wanted to eat, and I didn't pack a lunch. Right. You needed to pack a lunch. Needed. Maybe you should have listened to that need. I don't.

Starting point is 00:53:58 No, dude. I don't fucking know. Bank of America. Yeah. I just feel like... Call your boyfriend for me. Call him. Let's see. If he will answer... Gonna put him a speaker? What are you going to ask him? Just the quietest phone ever invented.

Starting point is 00:54:32 I think so. Also stop using his real name. Could text him. And tell him to call me back when he gets a chance. Hi. A piece of shit. Okay. Is it an undo not disturb?

Starting point is 00:55:09 Yes, sir. Undue not disturb it. So that if he calls back, we can hear. So Bank of America, $281. And 56 cents. Not a crazy balance, but also. But that's, I mean. I'm sorry.

Starting point is 00:55:34 What? That's all they will give me. And I paid $300 to have that card. Good. Good. F-Q you. You need to learn your lessons when it comes. Listen, you can use the Fizz card.

Starting point is 00:55:45 It's connected to your checking account, so you can only spend what's in your checking account, which is what you need, honestly. But it still builds your credit. But for furs sake, listen, you're at your credit limit. You made your minimum fee payment, but then you spent more on it than you even put towards it. Why, again, are we possibly spending money?

Starting point is 00:56:02 If I had to guess, it was probably... You had to guess. Great. You don't even know. Oh, my gosh. Food, if I had to guess. But I've had that card for three years. requested two increases and they haven't given it to me.

Starting point is 00:56:15 Good. Do you not see how that is a good thing? Do you legitimately not see how that is a good thing? Okay. The reason I'm trying to, and I'm also, I'm going to tell you, I did apply for an Apple card and they gave me like a path to follow pretty much to approve me. So they didn't deny me, but they didn't approve me either. So, but the only reason I'm doing that is because credit karma said people here. You cannot have access. the credit card, you can't manage it. You can't manage credit to save your life. I feel like I really I feel like I can.

Starting point is 00:56:52 I just fucked up. I need to... If you could, you want to have two basically maxed out credit cards. What are you talking about? What are you talking? It's right now I have nothing motivating me. But now I do. I have a kid. I don't know. Now, guys, no.

Starting point is 00:57:07 You're taking that out of context. Are you fucking kidding me? You've wanted to have a kid forever. Shut the fuck up. I know. didn't just exist yesterday for you. But what the fuck? It's becoming more real.

Starting point is 00:57:17 I don't think, I don't think, I don't think, you're not a real person. You're not a human that exists. I am. This is a dream. I'm in a dream. You are a mythical beast. Maybe it's delusional to you, but now it's becoming more real for me. He's a gun to graduate the end of this year and then bam, now it's time.

Starting point is 00:57:34 This is like actually. But with $20,000 dollars is dead, $20,000 on an emergency fund that you should probably have. Plus, bills, he's going to have to take care. And he's getting an intro salary, plus in student loans or whatever debt the fuck he has. I actually did ask him. And he's very good with money. He only has...

Starting point is 00:57:50 What did he say? What did he say? He only has $7,000 a debt and student loans. In student loans. No, in student loans. What else? That's it. His cars pay off.

Starting point is 00:58:02 Yeah. Why he puts up with you? Because he doesn't have to put up with me. I put up with myself. No. I'm taking care. If you guys are going to get married, if you're going to have kids,

Starting point is 00:58:11 Oh, he's going to have to put up with you. I don't know if you know this now. No, you are not. Do you not know what words are? Do you not know what words are? You're like fucking Twitter that throws out Bud's words endlessly. You just throw out words, but you don't know what the actual meaning of them are. Everything you say is meaningless.

Starting point is 00:58:32 I'm being so mean, but you're just like you're not saying real things. No, because I just feel like you don't understand. I'm wanting. He said, do I know what those words mean? I, this is where I need to take care of it. I want to take care of it. Yes. Okay.

Starting point is 00:58:45 But, okay. Okay. Anything. Wait, you're not doing fucking anything. I'm going to start. That's okay. Then why didn't you start? Let's hear that.

Starting point is 00:59:00 If you want the real answer, I just started watching you in October. Guys, oh, guys, October. Jake Lindsay, October. Hey, guys, guys. Well, audience, October. She started watching us in October. She started watching us in October. She started watching her on six months.

Starting point is 00:59:15 ago, we're looking at the last month. She put two credit cards to the max. One was over Max. The other one is to say it's all both spending the thousand hours of McDonald's. Guys, I, but I just started learning about finances a half a fucking year ago. Yeah. What are you talking about? Well, I started watching in October. That's when I wanted to change everything. But then I got a puppy. I got a puppy. Do you realize, lady, lady, and do you not realize that a child is even

Starting point is 00:59:45 more intense than a puppy. Yes, the puppy was kind of unexpected because... That's not how puppies work. It is not like a kid. We're whoopsie. Oh, there it goes. No. It created something.

Starting point is 01:00:00 No, because I had been texting the breeder since like April of the year before. And... It is time to cut down your financial stress and gain total financial dominance. You are. You gotta download my budgeting app today. It's free to start, and it's the simplest way to take control of your money. In the free version, you can manually create your budgets, track expenses, and monitor your spending all in one clean, intuitive dashboard.

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Starting point is 01:01:10 all mailed directly to your door. So make sure you download my budgeting app today. It's in the description and pin comment below. You will not regret it. She was like, I have a litter coming in October. That's an accident? Oh, I have a litter coming in October. No, no.

Starting point is 01:01:23 The accidental breeding is the one where you pop one out. The accident was, I've been telling my boyfriend, I was showing him pictures, and he was like, no, we're not getting a dog. No, we're not getting a dog. Finally, it was around my birthday, and she texted me in October, like, once September, it was like, hey, our puppies will be ready. until I told him and he was like, well, do you want it? And so then I had to like scramble to get money to pay for my half of the dog because I did really want it. He's very cute. I also have a cat.

Starting point is 01:01:54 Her name is Stella and she's a Siamese. So I have Maverick the Poodle and Stella the Siamese. I was being out of pocket, but also getting my frustrations out of me. It's a healthy way. Because you're impossible to discuss words with. I'm trying. There's another use of a word that is incorrect. What, it's a better word for that, then?

Starting point is 01:02:14 So why did you get a dog? October. I got a dog in October, and then it was my birthday. So the day you started watching. Yes. But I had to. This was like my opportunity. He'd been saying no forever.

Starting point is 01:02:25 And then finally it's yes. And it's like, No. I think I just like kept asking. He's very, I think he loves me. So. I hope so. It's a fucking dog.

Starting point is 01:02:38 No. Well, no. I was talking about my boyfriend loved me enough to say yes. Well, I hope so if you're going to have a fucking kid with him. Yeah. I, fuck the sake, dude. It went in and got some, probably vapes. Yeah.

Starting point is 01:02:52 Well, yes, vapes. But on the subject of- What fees have we had this year? There should have this year. Probably a late fee. No. Is it a late fee? No.

Starting point is 01:03:00 Pull up your app then. For- I'll find the fee. Pull it up. Which one? Bank of America? The car we're talking about. The car?

Starting point is 01:03:08 Duh. Oh. I was like, what? I feel like that is your mental response to almost every sentence to here. Wait, you're going to be so mad, Caleb. I already am. My dog also was only, for a designer dog, he was only $1,500, so that's not like, and I only had to pay half of it. So $750.

Starting point is 01:03:31 And he's the love of my life. I think it was worth it. Okay, her balance has actually only gone up. So, and I should not add, put a nine to it. Eh. Eh. You do nothing but it hail toxins. Hey, but I run.

Starting point is 01:03:57 You know the same stuff in aerosol is in vapes? That confound. That is the mess. It is not literally water vapor or is aerosol substances. We don't know the long-term effects yet. And many more studies are coming out about, And it really has no actual scientific upsets. The week I swear, it's only like one hit at night and I'm...

Starting point is 01:04:21 Every day? Oh, not every day. Maybe like... You just said one hit in night. One hit at nighttime. Sometimes. Sometimes. Sometimes.

Starting point is 01:04:28 Sometimes. Guys, it was to get Chicken Express. That's why the balance went up. Yeah, that's crazy. Yeah. That's crazy. I don't think there's a... any late piece on there. You don't think.

Starting point is 01:04:47 There shouldn't be. I gotta not be so mean to you. There's, this is impossible. You, you, you just upset me. You just, you just, you just upset me. Sorry, but. No, you're not. No, you're not. How do you use this app? Bank of America? It sucks. How do you have you passed? What do you've used the past? What?

Starting point is 01:05:09 Can I tell you something? No, maybe. Okay. I'm going to. Um, so on the Bank of America, there's should only be a late fee from like when I first got the card. When did you first got the card? Three years ago and I just like it was my first ever credit card. There's been a fee this year and I need to look and figure out what the fee was. Okay. I am looking and I am finding I am in past statements.

Starting point is 01:05:30 Okay. Because it's this here. I found it. It's in January. Let's find out what it is. Should we find out what the fee is, lady? Should we find out what the fee is? The fee.

Starting point is 01:05:48 I'm very interested because I don't. You made a purchase that it was essentially transacting as like an almost like a cash equivalent purchase and you got a transaction fee for it. So what does that mean? Let me see what purchase that applied for. Cash equivalent. You got something that was cash equivalent. You may have pulled out cash on accident. Like something.

Starting point is 01:06:13 But I can't figure out which one of these purchases it would have applied to. I don't think I've ever pulled cash off my. Well, again, it may have honestly been an accident. But you paid three bucks for it. I think I'm very proud of making sure that at least my payments are on time. Very proud of that. And then also, my income should be going up a little bit more. Okay.

Starting point is 01:06:40 Well, I wish that was good news. I don't know how much yet. She told me I would be getting a raise. Oh, but she didn't tell you what? No. My boss is also my best friend. And so I think something...

Starting point is 01:06:53 Trust me. It's not a good dynamic. No, I know. But I'm also very proud on the fact that we are very good at being work and friends. I know, but trust me,

Starting point is 01:07:03 they don't feel like they can do their job. Well, that's what I told her too. And so that's why when she first brought the raise, I was like, no, I just feel like this is a pity raise. And she said, no, I swear I've been thinking about this.

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Starting point is 01:07:54 Access new online courses, insightful webcasts, articles, engaging videos, and more all curated just for traders. Plus, guided learning paths with content designed to fit your unique interests. No sifting to find exactly what you need so you can spend your time learning to trade brilliantly. Learn more at Schwab.com slash trading. So I don't know how much, but that should be coming. In September? Yeah. Oh, my fuck.

Starting point is 01:08:23 So this is basically, it's not even, we don't even, who even, it's so far. That's so, that's nothing. No, not. She told me she's been thinking about it since September. It's even worse. She didn't give you anything. She's been thinking about it since September. She told me she's going to get something that she's been thinking about since September, but she won't do.

Starting point is 01:08:39 No one's got any since then. Is the business failing? I don't know. No. No. I think it's just like we're waiting. Four? I don't know.

Starting point is 01:08:50 Oh, my gosh. I don't know. this means nothing. But she's your best friend. Yeah. So I can talk to her. Can I talk to her about this? Um, yeah.

Starting point is 01:08:59 Okay. I'm going to call on the post show. I'm going to call on the post show because this is already running long. Oh, and there's still some more documents to go through them. Okay. Okay. But be sweet to her. She's like, I don't care.

Starting point is 01:09:12 She's so sweet. Great. Not sweet enough to actually give you the money that she said she was going to give you. Great. She's sweet still. Listen, if you need therapy after that conversation, I'll gift you three therapy sessions to sound or mine. No.

Starting point is 01:09:26 It's where our audience is. This is what you should use. It's a good plug. Is this? I don't know. No, I've lost it. I just, I don't have hoping you. I'm sorry.

Starting point is 01:09:39 No, don't say that. I'd say it happens one out of every 10 recordings. And it's happening here. No, don't say that because I really respect you. I really do. Oh, thank you. I do. And so you can't tell me you don't have hope in me because that's why I came here.

Starting point is 01:09:53 It's because, like, you yelling. You've been watching for six months and you've done nothing except back to It is very personal. So you yelling at me is probably what I need. Yeah, but someone like you, I've seen people like you. No. You've never seen anyone like me. You've never seen anyone.

Starting point is 01:10:08 I promise you, you're not unique. I am. The least unique individual I've ever met in my life. You are wrong about that. I don't know like everyone else that's went on. Maybe financial wise. Maybe not like when I say I'm going to do something, I'll do it wise. You're right.

Starting point is 01:10:25 Not everyone goes to McDonald's every day. No, well. Okay, what is this? Consumer credit disclosure. You finance. It's 100. It's 100.3% interest. You're right.

Starting point is 01:10:38 Maybe you're not like others. You're fucking delusional. What is this? That one's very bad. That is. Oh, is it? It is. I would say so.

Starting point is 01:10:44 I believe this is bad. That is it. That is a loan I needed. Needed. Here's the word need again. Because I didn't want to borrow money from anyone. So we get 100% inch. Yeah.

Starting point is 01:10:57 Yeah, go on. Please. Because I had bought Maverick, the puppy. And then I... You can't have a kid. I need it. You cannot have a kid. No, yes, I can.

Starting point is 01:11:06 You cannot have a kid. No, no, no. You're 100% and just right for a fucking dog. You can not have a fucking kid. Well, that was just... You could not have a fucking kid. Really, it was to like... Cover the bills after the dog.

Starting point is 01:11:18 Not a chance in this world you can have a kid. No, I'm going to. You are the furthest away from ever being able to have a kid. Do not have a kid. Do not have a child. No, no, no. You are going to take out payday loans for this kid. No. is nothing to suggest that I am wrong, but everything to suggest that I am right.

Starting point is 01:11:30 You got a dog and you took out 100% interest rate loan for something related. Yeah. What? What did you be taking out for? Because I think I bought the dog and then I needed like some bill came up and I had like. Bill's. I was unprepared for the dog. So.

Starting point is 01:11:47 But it was my only opportunity. I'm telling you. I had to. Yes. No more dogs always are born. Not Maverick. You. I plan to pay it right back.

Starting point is 01:12:00 No. Yeah? You planned to? I planned to. Yeah, and guess what happened? Please, inform us all. I think something else came up. Oh, nothing ever comes up, right?

Starting point is 01:12:13 For you? And so I had to just make the payment on it. Yeah. That one, I know, that one's pretty crazy. Is it? Crazy. I didn't want to do it. But you did it.

Starting point is 01:12:26 You didn't need to get the dog. Okay. Oh, this was in, you took this out in October, the month you started watching the show. And got the dog. And recently, I did... How'd you even find this on this? This is a horrible interest rate. What do you even find this?

Starting point is 01:12:46 I just typed in loan, Googled loan near me. I'm telling you, it was a quick thing because I realized too late, and I didn't want to borrow money from anybody. I didn't borrow that much. It's a stupidest loan I've ever seen in my life, but now it's worth it. It's a trillion dollars now. It's like $500 still. I don't know. Well, it might be, I did refinance up or, like, bump it up.

Starting point is 01:13:08 What? A little bit. Wait, what does that mean? Like, so I got paid down until, like, $100. And then recently, I needed, oh, because I had covered someone's part on The Bachelorette. And so I got. Guys. I just got $300 more.

Starting point is 01:13:29 Yeah. But I had to. I just. I had to. You don't even know what to work. You stop it. Stop. Oh.

Starting point is 01:13:40 Answer it. Is that him? Yeah. Answer it. What the fuck is wrong with your girlfriend, dude? What the fuck is wrong with your girlfriend? What possibly is wrong with this? What?

Starting point is 01:13:56 What happened? You don't even know her existence? I do. Do you? How much debt does she have? I would say around three to four. Thousand? Yes.

Starting point is 01:14:12 $20,000. You know more than me then. Don't. She almost paid off her payday loan. Did she even know she had a payday loan? She had a fucking payday loan. Did you know that? No.

Starting point is 01:14:28 Well, she had a pay day loan. She almost paid it off and then she took it all the way back up again. Yeah, no, that sneeze to me. This fucking Kenny G. want to be over here is endlessly going into debt to spend a thousand dollars a month on McDonald's yet she wants you to blow her up with your nuts so she can pop out of kid

Starting point is 01:14:49 I'm right there with you brother I agree 100% yeah so you're not gonna have a kid right because you can't even have a dog yeah co-for-life way your way through it right no kid no yeah I mean we've got to get some shit under control before we even think about supporting another person. And you might be able to. I hear you only have student loans. Is that correct? I have one loan loan for 3,000. That's, uh, for student loans. And I took that out this semester.

Starting point is 01:15:22 I have one more semester so I graduate. That's the only debt I have. Thank you. How the, what is she going to do? She, what is she going to do? She does nothing, but it's just smiling here. Like, it is disgusting. Oh my gosh. I'm, I'm sorry. I'm raging. I am actually raging. I feel my blood coursing. I am raging. I am raging. I am raging. I am raging. Okay. It's something that needs to be discussed for sure. Great. Absolutely. Fantastic. You didn't know how much debt she has.

Starting point is 01:15:56 You guessed about 25% of it. You didn't know she has a payday loan. 100% interest. 100% percent interest. Yeah, all she does is just payday loan. You guys got a dog. It's an accidental dog. Whoopsie. I accidentally chose to adopt the dog. Oh no. Accidents, right? And she can't afford to take care. you're going to bail her out. She's going to go into more debt. She can't control herself. She can't not...

Starting point is 01:16:20 She can cook one meal a week. She has to get high every night before she goes to bed. There's nothing she can do in life successfully except for somehow hold her down the job. Let me guess. It's only because her boss is her best friend. Yeah, no.

Starting point is 01:16:33 We talked about, you know, planning a budget and everything like that. But as far as sticking to it, it's yet to be seen. But it's something she's working on for sure. This has been beyond enraging. I can't even express. I can't even express, buddy. Like, this actually, um, kind of sucks. I hear you. I hear you. I don't, I don't know what to do with her. How do

Starting point is 01:17:12 like literally, I can't get things through to her. I can't get things through to her. I, I try to explain the math that it takes to be able to have a kid in a year. By the way, do you want to have a kid in a year and a half? I'd like to graduate. I'd like to land a good job before I have a kid. Once that's then, I think we'll be able to handle it. But at this time and point, no, I don't think a kid is in the picture. Yeah, she wouldn't need to spend $2,500 on a monthly basis to pay off her done,

Starting point is 01:17:42 have a fully funded emergency fund by the time you have a kid in a year and a fucking half. So I don't think that's going to happen is the thing. and she can't listen to me. I explain that and then she says, oh, I'll just cut back a little bit and I'll be out of debt. It's the process. It's going to happen.

Starting point is 01:17:58 I want to do it. I learned about the show six months ago. It's all going to be good. Everything's going to be fine. I cut back a little. I can't get through to her and I'm pissed. And I look like asshole on camera right now 100%, but people do not realize how absolutely enraging this is

Starting point is 01:18:16 to have to talk to someone like this, To literally have to. This is my requirement for the day is to do... I'm not going to be a complain. But this is so... Maybe I am. I don't know.

Starting point is 01:18:29 I don't know. But how are you going to deal with this, buddy? Because I don't have a way. I don't know. I was kind of hoping that when she got the call, you know, to come on the show that she could get some...

Starting point is 01:18:42 Some sense... Talk some sense or maybe like shut some light on some situation. She can't. comprehend words and then she uses words that don't make the definitional sense of the words she's using like i said we've had conversations in the past about budgeting about fred and everything like that but you know i think i think sharing it from someone someone like yourself i think that would hope as long as she as long as she's open to change and open to uh she doesn't know what she has to do

Starting point is 01:19:20 and she refuses to accept anything listen just one word or recommendation No, one one recommendation to walk away with for you. One one recommendation. No, just one recommendation for you, buddy. You're on the green. Please don't try to sink one in this hole. Run. What the heck?

Starting point is 01:19:44 Listen, I don't know. This is beyond stupid. I mean, it's so fucking dumb. That one is bad. I know. What? That one is. The other ones weren't that you continually max out.

Starting point is 01:19:59 The other ones weren't. The other ones actually were not. Huh? But the other one's not? No, I'm just saying. Exactly. Fucking stupid loan. Yeah.

Starting point is 01:20:11 $3,000 virus? Great. Oh, okay. Oh, my gosh. Okay, I need a second. Yeah, I tried to tell you. You have something pleasant that you're able to tell me just for a moment? Because this has been so far an hour and 15 minutes.

Starting point is 01:20:27 just like I'm broken. I can tell you, show you pictures of my dog. No. No. Because that dog is debt. Well, the loan also was like a way to try and build credit. The IRS loan? No.

Starting point is 01:20:47 The first, the payday loan? Yeah. You thought that would put a smile on a real estate? No. I didn't think. But the kind of, I'm trying to build credit. And the fact that I'm on a payment plan. that's good, that's progress.

Starting point is 01:21:06 Sorry. Forced payments. Listen, yeah. Not forced. They didn't make me do that. You put yourself on a payment plan so you were forced to make payments. Because you can't manage your own money. Because I cannot pay $6,300 right now.

Starting point is 01:21:21 We could have budgeted it out over a course of a few months. I bet you. Can try. Car. Don't even look at this. I don't even see the, what's the balance? I don't see it. I just see the minimum of the payment.

Starting point is 01:21:48 Like 10,000. Let's log in. You want me to see? At what interest rate? 24. Yeah, let's see. Let's see. No thanks.

Starting point is 01:22:11 Balance. Yeah, 23.52. And the balance. is $10,80011.84. But it's the first car I could find, and I really needed a car. My other one, I wrecked it. I had, yeah, bad reg totaled three cars.

Starting point is 01:22:35 And then I had to find another car. Yeah, you totaled three cars, yeah. I did. Yeah. It was an accident. Yeah. Like your birth? Caleb, that probably wasn't an accident.

Starting point is 01:22:59 Term, that's probably a billion years long and a minimum payment you can't for. What am I doing here? What a waste of fucking... Thanks for wasting my afternoon. Yeah. What the fuck though? I don't feel good. I walk away feeling good when there's a path that I can get people on.

Starting point is 01:23:16 When people come back on the follow-up channel and they have... I didn't think... Exactly. $100 are checking account. That's all just Starbucks apple, crab restaurant, roosters. It's all f***le. It's all another page of fucking bull. For sick, man.

Starting point is 01:23:40 Fick. That's all just $11 in savings. I'm sorry. Yeah, it's a mess right now, but it's achievable to fix. Not by you. That's what you think That's what I know I've seen

Starting point is 01:24:04 I've done this for three years Where you're wrong Also I guess maybe now is a good time To tell you That's My boss Pays for my phone And my car payment

Starting point is 01:24:22 Why did your boyfriend Have to cover your phone bill? Because Probably went somewhere else And when I said that's like Once in a Blue Moon It really is It's like once in

Starting point is 01:24:36 Maybe like every six months when I just like, I'm just, I'm thinking of this in the moment. I just, I hate this. I am here. This is a real fucking conversation happening. I know when we're just sitting here watching it after the fact, it's like, oh, you don't understand how rage inducing this actually is having going through four of these conversations a week for three years.

Starting point is 01:25:08 You can't use words. you are incorrect about everything you say. Everything is broken here and you're not going to do anything. And it's all so that you can just sit on your ass all day for being completely honest because you've hopped on a new hobby of having a kid. I'm done. I'm done. And I, Jake, please mute her because I no longer want to hear her face. They can't hear you.

Starting point is 01:25:32 They can't hear you. Please get up. Please get up. Up. Stand. Okay. She's sweet. And go over there. where I'm going to put you in the green room,

Starting point is 01:25:42 and I'm going to have 10 minutes of the post show without having a look at you because you annoy the fuck out of me. And I'm annoyed. And this sucks. And this isn't the best look of me. I'll be honest. But this is the reality of what's actually

Starting point is 01:26:00 happening here sometimes. And I'm being done. Don't end up like that. Okay? Download the simple budget app, and you won't. Join us in the Post Show. After 10 minutes of calming down, we'll bring her and I'll call her boss, but... I just feel like it's wrong.

Starting point is 01:26:17 No offense, Caleb. That you ramped up again. You were kind of rude to me. The personalities that I despise the most in this entire fucking world. Lindsay's going to call the boss and get that raise out of her. Save this woman's income. To watch the financial audit post show, click the join button below. We can't reason with the sun.

Starting point is 01:26:41 Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnichade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on alolotion. You're welcome. Columbia.

Starting point is 01:27:05 Engineered for whatever.

Financial Audit - I Can't Do This Anymore | Financial Audit

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