Financial Audit - I’m Done With Financial Audit

Episode Date: November 22, 2024

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Trying to look funny. You're being dumb. That's just your opinion. I know what I'm doing when I do it. I just do it. I just don't want to hear your voice. I really don't. Listen.

One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away from you as possible. You're a horrendous existence in front of me right now. I'm ending the conversation early and I'm kicking you off. Hi, my name is Lydia. I'm 30 years old. I'm from Biloxi, Mississippi, and this is financial audit. Hey, wow, thanks for coming down from Mississippi.

What do you do there for a living? So I'm currently unemployed, but I will be moving. That's not true. That's not true. I'm fixing this for the audience. I know what you think. She just got her job. She just got her job.

I did just get a job, but I just haven't started it yet. I haven't started it yet. She's getting her job. She has an income. I do have an income. For sake. I am. I do have income.

What is the job you're going to? It's going to be doing logistics for private sector for the DOD. Oh, okay. So what does that entail? It'll be like pretty much doing, ordering like an arms dealer for the military essentially. Oh, wow. Okay. So things I can't say online.

Gotcha. And how much are you going to be making in this position? 61. Okay. Wow. Very cool. which is a pretty good raise from what I was making. What were you making?

I was making 48 and then a new company took over, bumped me down to 42. I got Rift from my last job. Yeah. Which is... How long have you been unemployed now? Since probably about a month. Can you get a job when?

I'm supposed to be starting at the end of this month. Good. What do you mean supposed to be? Is there skepticism around it? Well, I'm trying to move. So I'm trying to figure out, So where from Bill Luxey? To Huntsville, Alabama.

Is it close? Six hours. So no. Yes. Is that where work is? Yes. Then you have to move. Yeah, no, I'm going to move.

I just, my lease doesn't end until Sunday. So I'll be in there. What Sunday? This Sunday. Yeah. So. And you don't have where you're going next figured out? I do, but they're taking forever.

What is the issue? They're taking so long to get back to me. I've been like asking, I've been calling them, asking them, asking them emailing them. They just... About what? It gets back to you and about what? I don't know.

Like, I've had to sign like 10 papers, like rent verification and blah, blah, blah. And they're just like, and I'm like, hey, I need to find a place to live because I have to start my job. So please let me just move. I don't understand. What are you waiting for? Are you, did you have you signed a lease? No, I haven't. Okay.

You haven't signed a lease. So you're still going through the application? Yes. So you don't even know if you're approved. No. I don't know yet. And yeah, as of this Sunday, we'll have no place to live. Well, I have a place to fall back on.

I just want my mom's. And where is she, is she in the right place or the wrong place? She's in the wrong place. So I would have to like push back starting if I was to have to like not have a place. You can't, though. I know I can't. That's not an option. Well, get an Airbnb.

I could, yeah. So I was thinking about doing that. She got excited. Yeah. So I do want to do the Airbnb. or like one of those micro-tel things where you like live weekly. Sure. But I'm also just trying to like strong arm my way into that apartment.

You should, but Sunday, come on. Yeah. Six days from now. Yeah. Is that real wrong with that? Um, I mean, I really don't have any other choice. I can't extend my lease. I can't go to a place.

I think the other choice are the ones we literally just said. Yeah. The ones we literally just said. Perhaps, yeah. But I don't have. I don't have a way to secure housing up there. Like, I don't have the money for an Airbnb or a hotel or anything. How much is in your checking account right now?

How much isn't is the bigger question? No, how much is in your checking account right now? I have negative money in my checking account at the moment. So, yeah. I guess that you're unemployed, but why is there negative money? Because I've still had bills to pay. No, no, I get that part. I get that part.

You got laid off, right? I did. Did you file for unemployment? I did, but I'm being investigated. So, yeah. For what? Well, I don't know. Oh, come on.

How do you not know anything? I asked. So I asked who. What? Asked who? What? When? Why?

What are you talking about? I called the unemployment office. I said, please. They're investigating you? Yes. So my, one of my old jobs was like not agreeing to the terms that I was, not employed there anymore. So I...

Again, again, what? Yeah. No, what? They're not agreeing to the terms that you're not working there anymore? Yeah, even though I put my two weeks in. They are claiming that you work there. Yes, but I will say I just got

yes, what was it? Why do you got to... We're filming this on a Monday. Why do you got to bring this this kind of mess into a Monday? No, okay. Yes, it's the Mondays. But I did get good news that they took me out of investigation.

I got approved for unemployment. I'm just waiting for the debit card to come in. Which is? Should be this week sometime. You're negative. You're checking it guy. So you didn't have an emergency fund. I did not.

And not having an emergency fund is an emergency. Fun fact. Yeah. Well, you are proof of that as. Yeah. Okay. You didn't have anyone to.

I know you came here with a boyfriend. He couldn't help. He's not fallbackable. Not that I want you to like milk him or anything, but he's not fallbackable. He is not fallbackable. I've been... Wait, why?

Is that willing to help? He... No, I mean, like... So, yes, and no. He has been going through school, and I've been supporting us. Oh, you're support... Oh, God. Yes, so I've had, like, two or three jobs.

Both of you on 40? Wait, yeah. No, no, no, no. Speaking of which, why... Okay. I get your turn to file for unemployment and everything in here, but you're getting investigated. And if you're literally in the point where you're getting negative on a checking account,

because you're dying, because you're dying because you don't have any... money. Why not go drops to make fries for a minimum hour a week necessary to at least make your bills flat? Um, well, I was working. Also, you spent $601 going out to eat. So I no longer have

sympathy that you're negative in checking account. It's not only for bills. You went out in eight. Ha ha. Yes, that's funny. We can't afford to survive. Nothing more comedic than that. Well, okay, but was it actually like Yes. How, but like, what was it spent on? Because Some of those things are statements, but they are fast food places. Okay. I can, I can.

Or restaurants or whatever. I mean, possibly. But I feel like some of those may have not been like food. What the fuck you're talking about? There's no way. I spent $600. $601.50 actually. Groceries $173.

Okay. Well, I mean. What? I just really don't understand. I don't think I spent $600 going out. There's no way. There's no way. How's this a think?

I think. This isn't it, I think. What do you mean? That's not how this works. That's not how this fucking works. We also had miscellaneous bullshit of $999 and $6. Again,

we're going to go through that. Also, I just, you just got fact checked, by the way, by the producers. 15 different restaurants. Oh.

But like, what restaurants? Because I don't feel like that's real. It's okay. But I will say I'm also paying for two people. Well, no. No? No. No, no, no, no, no, stop. Stop for a second. Stop for a second. Let's try to use the wrinkliness in our brain for just a single moment. Why the f...

Are you even just paying for yourself going out to eat? But then again, another person, if we're negative in our checking account, I'm going to hit you with a little fun fact. A little, just a little morsel of fun. Fact. A thousand dollars in overdraft fees this year so far in one account. One account. One account. You do not get to go out to eat You do not get to go take your friend out to eat You are overdrafting and you're negative as of now I didn't know you were negative as of now I knew you were overdrafts and so I wouldn't have been surprised But I didn't know you were negative as now I thought I saw a balance and there as I was going through this before

Apparently not So in what world do you think you're entitled to go out to eat or take him? What in what world does he think you should be taking him out to eat? What the fuck is that delusion that he has? I think it's just because He's too much of a Come on camera and talk to him. by the way. Well, I think that I'm also just lazy and I don't want, after I've worked two, three jobs in a day, I don't want to like- Girl, you work zero jobs right now. What the fuck are you talking about?

I'm only talking about right now. I know, but this is right now. I'm only looking at right now. If you think about it, these, this, I'm spending how I used to spend when I was making money. So I'm like, yeah. So usually when you're not making money, you don't spend what you used to do when you make money. I know. What? What are you talking about? Take yourself out of that. Yes, you can't. What are you talking about?

I mean. What are you like a literal baby? Are you like a child that cannot survive without the milk of? Well, I mean, I just think that I'm very, very set in my ways on how I spend my money. I have concepts of a budget in my head. So I think, okay, well, I can spend whatever. I can go here and there. Concepts of a budget.

Okay. All right. All right. Okay. But honestly, I really, I really don't feel like that's that valid of there's no way I spent that much money. Oh my. I'm.

Like, I really doesn't feel realistic. What do I even do with that? That's not, that's not a point that I can even like have a conversation with. Yeah. You can't agree on basic reality. Obviously, no. We did have your last payroll. hit. Did you get severance? No. Okay, we had your last payroll hit. 3,834 total for the month. That's

not absolutely bad. Yeah. And then, you know, I'm played for a second as you're waiting for your new job. Okay. So how much did you spend in that month then, in the most recent month? Probably 4,000, maybe more, maybe less. I feel like it was probably about 4,000 because I do know approximately how much I spend a month. approximately four yeah yeah 5,592 what the fuck you're talking about

you don't know anything you don't know approximate you've never heard of the word approximate yeah proximate is the planet you came from

well I well okay so was it all on just like bullshit girl this is just the number that was spent for fuck sake

here's your little breakdown I already told you how much went to food but you're like no that's not food that's not food 10% by the way

I went to eating out but guess what you're right if you spent the amount that was your income but reminder you spent what 20% more than you made yeah but 10% and like

10% of 20% more than you made well so of your actual income I mean I can do the math and also if you're negative in a chicken account yes 10% is bad like in what world do you live in where that's not considered bad. Are you...

Again, I don't know. That just seems so childish. I don't want to just like actually insult you to insult you, but that is literally like the action of a child. Of your income, you spent 16%. 16% on going out to eat. Okay. Well, negative in our

checking account. So, you. Like, fuck you. Fuck you is the only reasonable response. It really is. Yeah. Well, I think that it's just the convenience. Let's hear what you think. It's the convenience of it, to be honest. Yes, I know why.

I know why. No one's disputing the why. Because you're a lazy. I know why. Taco Tuesdays. Yeah, Taco make a taco. I know you're white, but you can do it. I believe in it.

Like, white people tacos aren't good. Yeah, learn then, huh? Google a recipe. That's free. Yeah. Well, for fuck sake. Self-assess. Where do you think you are on the world of finances?

Zero out of 10. Where do you think you are? 10 being the absolute best, zero being the absolute worst. Where do you think you are? I'm going to be a little generous with myself. Why? Why be generous with yourself?

Because I really, okay, I do think I have an idea of how money works. I'm just bad with it. But where do you think your finances are? Not where your mentality is. Where do you think your literal finances are? Right now, zero. Maybe one.

A reasonable, a reasonable answer. Thank you. checking in an account? Absolutely. Maybe a one. Okay. Even still, potentially reasonable. If you want your Hammer Financial Score, it's free. Link in the description below.

You know, check it out. It's fun. You can see where you are and see where you need to improve your life. And if you want to come on this show, by the way, and you are at least willing to accept that you spent $600 going out to eat when I literally have it in front of me. Go to Calebhammer.com slash apply. We'd be happy to have you here in Austin, Texas.

I got to start this because this is a pretty big stack. We had fat stack week here at Financial Auditor. It was very fun. And ever since then, we've had like three weeks of kind of like thinner stacks. But we're back to kind of a pretty damn fat stack, which is not good news for you.

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scan the QR code or head to the link in the description. A little consistency now can go a long way towards securing your financial future. Don't miss out on Mumu's sign-up bonuses either. Head to the link below or scan the QR code on screen to get started today. Lindsay, I'm genuinely curious. Do you go in there into the green room and be like, excuse me, I get paid every time you guys say, and that's why I'm here.

Do you tell them to say that? Because I'm going to kill myself. Please tell them not to say it because I'm going to die. I'm going to shake you. I'm going to shake your boyfriend as well. I'm going to make sure your tires are slashed. No, I literally just had to get new tires. Like, I literally just had to get new tires.

I'm still paying them off. Is that why you're here? Well, I mean, okay. And I just got a tire that was, had a hole in it. So I had to get that repaired. Like Friday, Thursday, Thursday. But I bought the warranty, so that was free.

But I had to pay for the toe to come and change my tire because I didn't have the equipment to change my own tire. So, yeah. It's a good joke. I was $100. Paraday presents in the red corner, the undisputed, undefeated weed whacker guy. Champion of hurling grass and pollen everywhere.

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Cal for one, savior. One. Oon. He. Oh, happy Monday, ladies and gentlemen. I wonder if this is getting uploaded on Monday. We'll see. All right.

You got $2,334 in 18 cents over down here. Not a good balance for unemployed, but, you know, a relatively manageable balance for someone who's about to make a good amount of money. Especially Mississippi, not one of the higher costs states to live in. So 61,000, you feel like you're going to stretch that pretty decently? Well, probably not you, but the average person? Well, I'm hoping to stretch it pretty decently. Well, helping your boyfriend? No, actually, he has a job now.

Is he going to move with you? He is. If he, then you can fall back on him. But he just got, like, he hasn't even gotten paid yet. Like, he just got it. What? He's doing a paid internship for... Okay.

How much does he make? 16 an hour. 40 hours? 40 hours. Oh, okay. So it's really not bad. And it's six months, six to nine months. Just depends on...

Well, with a relatively good career track at that company, if he's... He sticks around. So you're going to be able to move with you? Four hours away is a long time. Six hours away. But yeah, he's wanting to move. Once the internship ends, they have, it's a bank, so they have branches in other areas. And then on this card, we have a minimum monthly payment of 80 bucks.

These minimum monthly payments are going to stack. Yeah. Yeah. But. Oh, my. What? Oh, yeah. Your creature.

I guess it makes sense if you refuse to stop spending and you didn't make anything during this last month. you put the minimum towards it, which was $59 at that time. Wonderful. But you purchased $330, which doesn't make sense. You're literally hurting yourself. You're pushing it to the limit, to the actual limit, and then there's $57.8. So my favorite question asks is, why the, are you spending on a credit card that you can't pay off? And it's accruing interest.

I'm actually not sure what I spent on that card. Oh, come on. No, I'm like being real. I really have no idea what I spent on. No, I get it. Cool. Congratulations. But why are you spending on the credit card that you cannot pay off that is a Korean interest? Well, because I know I can pay it off in the future.

And all I have to do is now when you're not paying it off. So, what do you mean? You probably said that in the past. It didn't take you, it didn't take you a date. Well, you could have. But it probably took a little bit of time to build up the $2,000 balance that was there before the now $2,34 balance. So you probably told yourself that your future stuff take care of. Guess what?

Your future stuff got unemployed. And then you didn't have an emergency fund because you weren't acting like an adult while you were making money. And now you have to move and you can't afford to move. And then your future self is just playing catch up, catch up, catch up. I'm almost pretty sure that I spent that after I was unemployed. Yes. But like. But I have your most recent statements.

I know. No. But I knew I was going to have another job. So I was, I felt like it was okay. No, no. You had this previous balance, the previous balance while you had the other job. Yeah. The other job.

So this isn't working. That logic is not filling. You had another job. You had income, but you were not paying it off. So that's not how it works. You're not just paying it off when you get another job because you weren't paying it off when you had a previous job. So what are you talking about? In what world does that logic apply?

No, you're allowing yourself to bull-shund yourself. You're excusing yourself to spend money. I mean, I think what I spend is justified. I don't. You don't even know what you spent on. And you're saying it's justified. Well, yeah, because if I spent the money, I think that's justified. But you don't even know.

Yeah, but I wouldn't spend the money if I didn't know what it was. You know what I'm saying? Like, I wouldn't, if it wasn't justified, I wouldn't spend it. But, like, spending it. So obviously I spent it for a reason. Do you realize what you are saying? Yeah. Oh, fuck me.

But. That's not funny. I'm just laughing out of just like, like, what the fuck? I mean, okay, I understand that I probably shouldn't spin when I don't have a job. But I knew that I was like, I knew that would be played. No, you can't laugh with me. You don't know why I'm laughing. I am laughing at you.

That is so delusional. Yeah. But I've just how I've always been. I really like, that's just me. So I know. Okay. Yeah, I made a lot of mistakes too. So I can just say forever.

That's how I am and fucking around my entire. life? What do you mean? Never going to change? Never going to try to better yourself? How long have you better with your boyfriend? Seven and a half years. Okay. It's a decent amount of time. Something tells me we might be together for a bit, meaning maybe marriage is in the future. Possibly. Meaning you're going to destroy him because you refuse to make any change or progress and maturity in your life. You're 30. Congratulations. You're no longer 20. You cannot make these mistakes like you have been doing. And you certainly cannot make the excuse of this is just how I've been. Yeah. But I've always had a terrible time with money. Oh, my.

I just literally. I know, but I'm just like, shut your face for a second. I shut! What my f***? I literally just told you why I don't give a fuck about the I used to or this is how I am. I don't care. And then you immediately go back to that after nodding your head.

Yeah, but I'm so cool. Like obviously here to change those habits. No, that's not. But I've had those habits for. so long it's so hard to like get out of that because I've been here before like I've done I've I've racked up I've paid it off I've racked up I pay it off I rack up and it's a vicious cycle I can't like I'm not breaking so okay why do you think you haven't broken it I to be honest I just think I feel like I want it so like if I want it I'll

get it like I don't have any way to I don't tell my I just don't know. Yeah, I just don't say no. That's the cycle. Not even addictive things. This is, or coping or anything. It's just like I want so I get. Pretty much.

I mean, so like. Do you want to retire? Yeah, but I have retirement. You want to get a home? How much is in your retirement? 25. 000? Mm-hmm. Okay, you're behind for retirement.

Yes, but I took out. Do you want a home with the boyfriend, future husband? Possibly. I do want a home. Okay, just maybe not with him. Well, no, like I do. one with him as well. I just don't want to get married being in the financial situation that we're in.

Okay. So you want to change it. Yeah. But you want that what I want more. When I'm doing the purchase, yes. Like I don't think about the future. I just think like, oh my God, I just, I like the way that looks. I want to get it.

I don't think about the repercussions. I just do it. Yeah. So. I can see that. Yeah. That's written all over your statements. really bad time of like that like fomo feeling i don't want to like miss out on

you know what this means though what this actually means for you is okay maybe that is you and we just have to accept that part but you can't have access to credit cards then because that is the most dangerous mindset to have when you were given unlimited money pieces of plastic you can spend infinite and then you can't you just self-confess it'll go down then it goes up and it'll go down then it goes up you are not a credit card person You need to use like a debor card that builds credit like the FIS card. Do that. I recommend it to all the guests unless they're really bad.

But I think you with at least your understanding or in desire to get out of it, you could use a resource like that. Man, you're just not a credit card. You can't have access to credit cards. You're going to f***ing credit, but you need to close the accounts. You know what the f*** up thing is? I paid off my credit cards and I cut them up, like physically cut them up. When? How many?

All them? Before I got laid off. Oh, you didn't build all these up since you got laid off two weeks ago. A month ago. Okay, a month ago. But you did not build up literal tens of thousands. Well, I did. I took a loan to pay them off.

I don't know how much I actually racked up. Oh, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. Are you saying when you paid them down, you took a loan? Yeah, like I, you didn't pay them down, lady. I consolidated them. Lady, you didn't pay them down. You just moved the debt somewhere else and then you built them right, but, and then you built them right back up again.

If we met, if I met with you before that, I would have said do not do the consolidation. Consolidation is great for a lot of people, but not until you build the discipline that is necessary to actually get out of debt because then you will have proven to yourself that you will not get into it again. You didn't actually pay off any cards.

You moved it. And because you didn't address any of your actual behavioral problems or understanding of what a credit card is, you just built them all the way back up again. You f*** yourself. We should have met a month ago. But I took that loan out before I knew I was getting laid off. So it all kind of like...

That doesn't matter regardless. You wouldn't have changed your behavior if you weren't laid off. Well, no, that's what I was saying. I obviously didn't change because I cut up my cards physically. But then I used my digital cards in place of them. And people wonder why I say close the account sometimes instead of just cutting them up. That's why everything's digital now. For sake, close the account.

Log in, call them, close the account. You cannot have access to these. You cannot. You are irresponsible. You speak like a child. You do not understand anything about money. You have no respect for debt. You have no respect for debt.

You cannot have access to it. Okay? Okay. It saves you. It saves you and it saves your future relationship. It saves the goals that you have. Yeah. And I do.

I have goals. And that's why I like, What are some of the goals? I want to buy a home. I want to be financed. I don't want to worry about how much I have in my bank account anymore. Like I want a stress-free life. I don't want to have that.

I wake up and think about it. You don't have to worry about it. Because you have nothing. Yeah, well, negative nothing. So it's like, I agree with that one. But yeah, I just like, I don't want to like go through and be like, oh, I have to buy gas. Like, I wonder if it's going to overdraft my account. I don't want to feel like that anymore.

You don't look? Sometimes I look. We're balanced? Well, sometimes. I don't know. If we're overdraft everything a thousand times in a year, looking should be a basic minimum requirement for you. I mean, okay, so with retirement aspects of retirement,

I do want to retire. And I do, and I look at my retirement account. But the reason why it's so low is because when I was in my previous debt situation, when I was in my early 20s. Okay. I closed out my 401k and used that to... No. I just closed it out, though.

I didn't, like, take a loan on it. I just took the money. And then I had to pay, like, a $1. That's probably worse? Yeah. Than taking a loan out on it? But ever since then, I, like, don't touch that because I know that's... When did you take it out?

How much was it? How much did you drain from your 401K? I don't know. Finance a lot of bingo. Here we go. It was a long time ago. It was, like, 10 years ago, at least. So I was probably...

Or 20? Yeah. Yeah. How much money did you have in your 401k at 20? Probably like 10. 000? Yeah, it was dumb. That's incredible.

That 10,000 would have been like what? 25,000 by now? Your retirement would have been double. Double. Yeah, but. You'd actually been on track for where I wanted you. Actually, for your previous income, you would have been right on track for retirement. You're halfway there now, but you would have been right on track.

And you mean previous? Are you saying you paid off debt previous? before the consolidation as well? Oh yeah, I've had a few like consolidation loans before. How many times have we been through this process in your life? At least

at least three that I remember. What is different this time? What the fuck? I know we're talking, but what is actually different? Because we can go through this whole thing, but I know, but I feel like, I feel like I've made, like I have, okay, maybe it doesn't reflect

that I've made the changes, but I've made, the change is like I feel like I'm ready to like, girl, you know, you're negative and you're checking and account. You're spending $600 in a single month when you're on a plane making no money going out to eat. What the fuck are you talking about? This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe

are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all. All three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes,

and they've literally changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. In no world is there change in here unless change for the worst. When you put it that way, it doesn't sound as good. Yeah, when I reflect the reality of existence, it does. In my head, it sounds good.

I don't go about your head. I give a f***. about what you do. Yeah. What? Yeah, but like, that's why I'm here. It's to change that, right? If I walk by someone in my head, I'm thinking, oh, this person looks nice.

Let's just keep walking by them. But in person, I punch them in the face. I still punched them in the face even if in my head I was doing something nice. So I don't give a fuck about what's in your head. I give a fuck about what you actually do. Yeah. I think I just have. You want to know what you just spent in this account?

It was probably necessary, right? Because, you know, you're just saving. You're just surviving spending to survive, right? Simply sweet something there. Oh, wait. I do know what that was for. It was a hotel. I went up to the job fair to get my job that I'm going to have.

That's okay. Cracker barrel! Okay, well, I was traveling. I was hungry. And their biscuits are good. Huh? A six-hour old sandwich. Pack some crackers, you know, an adult.

Back a thermos. Are you like stupid? Well, what are you doing? Do you not know technology that has existed for the last 50 years? Yeah, but they're like biscuits are good. Yeah, their biscuits are good. Not having negative balance in your checking account is also pretty good. Being able to have the adequate amount to retire is also pretty good.

Being able to afford a down payment on a house is also pretty good. Having a credit card that we can pay off is also pretty good. There's a lot of things are pretty good. All that stuff is sticking around. These biscuits? They're sticking. No, that's been pushed out months or weeks ago. Yeah.

Okay. And then brick and spoon. We really needed to spend $95 at brick and spoon. Yeah. That was a like birthday brunch for my boyfriend's mom. Happy birthday boyfriend's mom. Let's have boyfriend pay for it like a big boy. That was also us like.

USAA knows dynamic duos can save the day like superheroes and sidekicks or auto and home insurance. With USAA, you can bundle your auto and home and save up to 10%. Tap the banner to learn more and get a quote at usa.com slash bundle. Restrictions apply. We, Hey, hey, hey, hey. Hey, hey. Hey, hey.

Hey, hey. You have negative money in your checking account. It doesn't matter what you were about to say. Hmm. I don't care. I don't care. I, but, well,

it's just, well, you're gonna well me from that. I'm just saying it's, like, it's justified. That's why I'm doing me. But it is literally not.

You have, hey, you have paid a thousand dollars to the bank for not having enough money in this, this, this year in one checking account. And you say, this is justified, you don't know what justified is. Yeah, they're like overdraft fees are expensive, though.

They're like $35 each time. That's your takeaway from this? Girl, you're a literal, please never have a child. No, I don't plan on that. It's not, yeah, unless you become more mature at some point. No. Well, I like my freedom. I like being able to do stuff.

Well, you're certainly utilizing the freedom to get fucked. Yeah. I like going places. and eating things. I know. Obviously. Look at both of us. Yeah, we eat.

Okay. I guess you're cop laughing your way through this, but you just sound delusional. You've lost. Oh, good. You've had fees this year, meaning you probably missed payment, or you were late on a payment.

At some point this year, because that is a mispayment fee if I've ever seen one. Also, $605 interest on one of many credit cards we're going to go through. My interest is pretty bad. Yet you are still spending on it more and bringing up the balance more,

making the interest. even more. No, you don't get to have like, yeah, the interest is pretty bad. You're making it bad. You are doing this. Well, what? I mean, yes. You can't well me. Well, what? I've asked them to lower the interest. Why would they? They don't owe you that. You're not entitled to that. They're a business and you're making them money. You're being stupid and being taken advantage of and that is your fault. Well, I think that I don't trust anything you think. I understand my spending is bad. No, you don't. You didn't know how much you were, you didn't know what you spent on this card. You didn't, you refused to accept the $600 you spent going out to eat when one of those

purchases was nearly $100. So, fuck you. You don't know anything, but go ahead. Well, okay, so I didn't know that that was like all encompassing all of my, I thought it was maybe just my checking account, but it was, I didn't realize it was all of my accounts that I spent that much money. What were you saying? I don't remember. I don't remember. Blue. Mm-hmm. my face after this conversation. It's my favorite color. Must be because you love giving them a lot of money.

They're my lower interest rate though. They're my lowest interest rate. You know that doesn't even matter because you're literally above the credit limit on this card. Are you kidding? You're two cards in and we're already talking about that. Fuck me, dude. Yeah. The last card was disastrous.

It doesn't matter. You're over the... You're under the limit and a... You're right. you wouldn't have any sense of understanding about that. You're okay with being under your limit, you know, minimum limit and a debit account. You know,

why would you care about being over a credit limit on a credit card? Why would you? Like, I don't even know. You are in such a different world in reality than the rest of us. I don't know how to make this seem like it matters. Yeah. Like, you don't even realize what's happening.

Me. Blue, yeah, 1,000. nine hours and 23 cents Fun fact, credit limit thousand. That means you're over. Yeah, that was probably just like the interest though that put it over. Whatever puts it over, it doesn't matter if you put it at the

max and then you don't make a payment and then the interest hits it goes over, okay? Listen, if you put it... Hey! Listen, if you put it towards the max and you make your minimum fee payment, it's never going to go over because your interest is $9.41.3. But if you're not spending money, your minimum payment of $20 is going to make it go down

even if slow, even if only 10%. So no, that's not exactly what I put it over. You spent $305. $305. You put it at the actual... Huh? Huh? You don't know what you spent on this card either?

Do you don't know what she spent anywhere on anything? Girl, this was literally a couple weeks ago. Yeah, no. Do you know anything about your life? I really don't like keep track of it, so I don't really... Oh my. Me. This world...

Yeah. I'm just so used to like... This world. The people... Sliding my card. No offense. But this is just like... I just slide my card and I'm like, boop.

I know how credit cards work, okay? I know, but I just like, don't think about it. Like, I just... I know, like, I know that I'm going to have the payment, so I just spend it. But sometimes you don't have money in your checking account and then the payments are due. Yeah. As in, you had a late fee on that last credit card. Did I?

This, and within the year. Oh, okay. Probably. No, you don't even care. No, I mean, like, I do care. I do care. I mean, I'd rather not pay a fee. But if it happened, it happened.

I mean... What do I do with that? I mean, what am I supposed to do? If it happened, it happened. I can't change it. I mean, I can change it technically in the future, but I can't go back and change it. It's not how that works.

Unless I call them an ass. Oh, shut the fuck. I didn't do that. I don't even fucking do that. Okay. But what was it on? Shut the fuck up. Kendall, McDonald's,

went inside, got a drink from Circle K, Amazon, books a million. Also, then some like PetSmart stuff and Walgreens stuff and then some gas as well.

Yeah, so some necessities. Some. Some. Well, Walgreens, you don't really know. Did you get $48 of medication? Yes, actually, yeah.

That was, yeah. Okay. Okay. Yeah. So Walgreens was actually like fucking over because they were not charging my insurance. They were charging my good RX. and it was more expensive and I didn't know until...

Why didn't you give them your insurance? No, they had my insurance. They just weren't filing under it. And then I was like, okay, well, thanks. You all have costing me a lot of money. Half the purchase on there were bullshit until I have no sympathy. Well, I'm just...

You were still choosing to spend all the extra money that was more than that. Yeah. I throw words from this conversation. We're not even 40 minutes in. It's going to be a long one. Quicks over one. I swear if you're over the limit on this one.

I think, I think it might be. No. No? I'm not sure what my limit is. No, you're not. Okay. Oh, for a f***ing. I don't know what my limit is on that.

Oh, that's dangerous again. It's just one of those things worth. Look! Look! I know, but look. I have three of them, so I'm like. Look! Yeah.

Just look once. Mm-hmm. Look. I just try to avoid it because it. Yeah, but that's not working. How, but don't you get more stressed the fact that you owe more money and extra fees and more interest? What do you mean? That would stress me out more?

Yeah. I mean, yeah, that is a lot of stress as well. You got a balance of $3,167 and 50 cents on here with a minimum monthly payment of $19. Kill me now. Fis. Oh, fees. This month, this month fees. $45,000 of purchases is great.

$39 of fees and $85 of interest. In fees, I don't know what that's from. You don't know anything about your own finance. is you don't. So you trust me, I'm not even going to ask you. I don't think you know what you spent. You didn't know. You didn't know.

You don't know anything. Listen, just like everyone else, I'm going to put you through our budgeting class, our debt class, and our investing class. So you can actually learn the skills and all these things. I don't think you're going to even go through them based on this conversation. Y'all can go through them. Tens of thousands of people have changed their life. You can. It's all bundled together 25% off.

Hey, hey, hey, I am pitching right now. Come on. Don't interrupt a pitch. What? I will go through them. Please do, because you actually get them for free. Okay, because I actually did the Dave Ramsey thing. I was doing like this.

You've done, Dave Ramsey? I did the snowball and it didn't really work, but it did kind of work. No, no, no, no, no, no, hold on. Hold on. I'm going to interrupt you. This might be a very interrupty episode. I apologize as if it is, but I also don't really give up so never mind. I don't.

But the thing is, what do you mean it didn't really work? Because that's not how that works. It didn't really work the way you're going about it, probably. Yeah. Well, you mean it didn't really work. What didn't really work? Do you even know what snowball is? Didn't work. Go ahead. Don't me.

Yeah. So I would like pay them off. And some of the stuff I like paid off and kept paid off. No, no, no, no. What is snowball? Oh, so where you take like your lowest balance and you pay that off. And then whatever you're minimum monthly and then you add that to like the next. And then you like snowballed. Yeah. And I know that. So what went wrong? What didn't work?

My spend? I just like, I spend. You're spending. That isn't of the fault of the. the snowball or avalanche or whatever method. No, it didn't work for you because you're a child and you have no discipline. You don't want to budget because you can't stick to anything to save your life. What does the future hold for business? Ask nine experts and you'll get ten different answers. Is inflation going up or down?

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slash AMER. If you're trying to stay one step ahead, it's a no-brainer. The guide is free to you at net suite.com slash hammer. So head to the description and check it out today. Thanks to NetSuite for sponsoring today's video. Let's get back into the episode. Yeah, well, that could pot. I don't feel like that's it, but it could be.

Feel? Well, again, why the f*** does feelings matter? This is just your numbers. What else would you feel? This is what's being presented to me? Yeah. I also just have like... Oh, I'll dodge that one.

Okay, that just flew over her head. Great. She'll laugh about it, too. I just feel like sometimes it's necessary spending to have, you know, it's just like little sweet treats and girls. And sweet treats are not necessary spending, girl. Stop with the sweet treat nonsense. Stop with that. Stop with that.

Stop. You don't need it. Amazon, Amazon and Stan McKin chicken. I don't know. It was a restaurant. Yeah. You don't need that. I don't think you know what the word need means.

Need is you need it. You need it. It is critical. You need housing. You need utilities. Sustinance. It's food. It is food, but you did not need it.

You could have gone to the groceries. Yeah. Yeah. Well, I mean, yes. But it's hard to find time to go grocery shopping when I'm, like, working so much. You have no job! Now I'm not working. This is in the time you're not working.

Yeah, you might be right. But I'm saying this is like... What is you doing all right? Mr. Guy that is the pending on. you? Huh? School? He's doing school.

How much school? He, a lot, like he's doing all this, he's got his, like, certificate. How many hours a damn day?

Oh, I don't know. I'm probably like, I don't know. I was working, so I'm sure. Okay, how many hours a day

were you working? Um, well, depend if I worked one job. Oh, average, dude. Come on. Your median day. Oh, but like 40 hours a week.

So, like, well, it was like nine. 40 hours a week total? Or one job. No. Okay, everything.

How many, probably like 60? Okay, you could have gone to grocery store. You may have done a curbside pickup for even a little bit more money even if you had to do that. It is still beyond more when it comes to savings of meal prepping. Okay, not that I would even want you to do that because you can go in and out. You know where things are in the store. Just run the children over and push over the old ladies in the wheelchairs.

It doesn't matter. Just get your shit and go. Okay? Mississippi has really high grocery tax for the highest in the nation. Who? Yeah. We're the highest in the nation. Swear.

We're like 7% or something. And groceries. Yeah. We're the highs in the nation. It's ridiculous. Yeah, that's a failed state in every other way. It really is. Yeah.

Yeah. You would think with how many people are like insecure about food, they would actually do something to like help. But they don't care. Groceries are subject to the full state tax of 7%. That's crazy. Where I come from Michigan and here in Texas, groceries are intact. Yeah. That'd be nice because my, actually,

I used to live in a different state in my grocery bill almost tripled when I moved back home. Yeah, 7% taxing on groceries. Yeah. It's actually pretty crazy. So it sometimes honestly is cheaper to just go somewhere else. I am being for real honest. No, no, no, because when they buy their produce, they're getting tax too. Like that stuff, it's still being passed on to you.

And then you got the wages you're paying for of all the people that are cooking the food and cleaning the restaurants. And you get a little bit at that at the grocery store as well, of course. But no, it is not. You cannot mathematically justify. A little 7% bump in your grocery prices are not going to be... This is Euphoria Calvin Klein, the new elixir collection, featuring three perfume intense scents, inspired by a unique orchid accord, paired with vanilla, each with its own distinct attitude, each with its own universe, bold elixir, sensual, woody, addictive,

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I sold it. I like to have like my vegan cheese and stuff. Girl, you spend $100 on groceries. You're not going and getting groceries. So what are you talking about? Huh? The groceries last a long time. Huh? The groceries last long time. Because you eat out for every meal. Yeah. I swear everything you're saying is the stupidest thing I've ever heard. Don't, you

don't have to go the expensive route. Yeah. You don't have to. It's fine. It's fine. Just don't, like, if you want relatively healthy, just don't go over the overly process stuff. Just, you, so he's making,

is he done with school? He guys are married, so it doesn't matter anyway. Listen, if he wants a course cruise, because I know he's going into, like, cyber stuff, if he wants a certification through course careers, we can gift that, okay, as you guys, because you already landed a job,

and he wants to get another job, so course careers are a great partner. They're always helping people get better pay. I have my associate's degree. Okay, yeah. So if he wants it, even though he's too much of a, even be in this room, are he going to have it, okay?

Thank you. Oh, good. Save your one. Okay, that one's not too bad. I haven't looked yet. I don't know. But I think that out. I think compared to what the limit is, it's bad.

Yeah, I mean, you're 75% to the max. Yeah. You owe $714.79. But you're still purchasing. You're still purchasing. That's the fucking. That's all that matters, man. Spending girly.

And you think that's cute? Fuck you. That's disgusting. Shut up. But honestly, I just really don't know what I spend on. What an embarrassment. Stop. Stop.

Look at yourself. Stop. No, that's not funny. Spending girly isn't cute. I mean, not in a situation. Shut the fuck up. You're destroying your life. And that is not cute.

That is not a good trait. Huh? Like, it's not... Shut the fuck, bro. I mean, maybe not like cute, but it's reality. Like... No, shit. That's why I'm reading the numbers, you're dumb piece of...

Yeah. Of course it's reality. Are you fucking pissing me off? Fuck you. Seven hundred. Fuck you. That's so stupid. That pisses me off so much.

Go. And I'm probably being a dick right now, but I don't really... I don't care. That's just so dumb. That is so dumb. Shut. Well, let's see what I actually spent it on before we go in. We've seen our spending so far.

It doesn't even matter. You've already overspent on stupid bullshit. And $18.56 of interest. That's cute. It's a good personality trait. Did your boyfriend even know this about you? Does you know your debt situation? I think that he does, to an extent, I don't really tell him that much about it.

What do you think he knows, dude? For sake? I don't think he really knows what my credit cards are at. We can't inform him. No. Well, I also just like, it's embarrassing. Like, I don't want to say it. It's in at both from Apple or subscriptions.

Who knows. What is that? One might be storage for iPhone or ICloud, who knows? But you got two Apple things. I don't know what that is. Pull up your subscriptions in your iPhone. She's going to have like a grinder subscription or something. I can't believe you lost $25,000 you took out

No, 10,000 hours That could have been 25,000 If you It's not coming up Oh my gosh It's crazy because like doubles every seven years It would have been about $25,000 I'll show you, dude

I was typing it in You don't know how to navigate your phone I was typing it in but it wasn't coming on I don't ever go there I don't ever look at my subscriptions You pay for Apple Fitness Plus Yeah. I got my watch. I sure do.

That's it. But I work, like, I work out, like, in my house. I work out, too. I don't pay. No, but I use, like, the videos, like, the guided videos. And, like, and, like, and, stuff. Okay, okay, okay. Stop. Oh, okay. See, yeah, only have one. I don't know what those are for then. I really don't know.

That means, likely in-app purchases of some kind, okay? Possibly. But I use the fitness. God, my shot, the, I always think there's, like, a moment of silence for me. you're just thinking, then you say something, and your voice irritates me so much. This is a weird job. That's just your opinion. I'm going to die.

This is the weirdest job. I'm just going to let you guys listen to a little secret of life here, because I just want to vent for a moment as before we continue because I'm dying. This is the job, and it is an absolutely amazing job that I get to show up. and I get to do this. And I love almost every aspect of the job. I really do. It's so cool. But when I just sit here and I talk to someone like this,

I hate this right now, I really don't like this because you are not reasonable. You are not mature enough to have this conversation. And you came on applying from the audience position. So there would be some reasons. You came on because your debt is good and you seem like you were able to talk, meaning we allowed you to come on the show. Now I'm sitting here, it's 45 minutes, but throw it hurts, and I hate this conversation.

It doesn't have to be. You are just so fucking just don't get it. It's you. You are just so immature and incapable of just existing in reality with the rest of us. And this is miserable. Again, opinion. I don't think I'm that immature. I don't feel like I'm that immature.

I just know. I know what I'm doing when I do it. I just do it anyway. You know what I mean? Like it's not... Listen. Like I know. Listen.

Okay. If they didn't put so much work into this episode and if we didn't spend thousands of dollars to produce every episode, get people where they need to be and all this stuff, I would kick you out right now. I, I, you piss me off. You do not exist in reality. Yeah. There is no way. I refuse to believe that people are like you. I refuse to believe it.

Listen, you're just so delusional. But you're just not willing to listen. Then you're just so not arrogant. I don't know the word, but things just deflect off you. You're just taking this like a reasonable adult. It could be different.

I mean, I'm digesting what you're saying. And I know people will find it interesting. What they don't know, though, is that it's literally just two people who come in a room who have not met each other. other, sit down and start talking about their money and give their damn opinions. This doesn't have to be this way.

You are killing me. It doesn't matter. I'm just venty and I'm angry. I'm angry. I'm angry. I'm going to keep going. This is why people take up a half-und addiction. Well, that's a little far.

What is? Okay, the Delta, that's my tires. What is this? Oh, a firm. Wait, affirm. Yeah. Okay. Yeah.

Well, no shock with your spending. Yeah. You have a firm. Wait, wait, wait, why'd you have Delta?

Those are my tires. Oh, not, not playing. No, okay. No, those are my,

like, Delta tires. Yeah, I had to buy tires. Okay. Taking that moment to vent. Yeah. They were literally bald.

They were just smooth when I got them. So. Not as bald as your boyfriend, but they'll never see proof of that. Got them. Well. Um. Yeah, affirm.

I'm like an affirm. So, can you just put up like an AI generated picture of a bald man and make them think for like five seconds that that's what he looks like back then? That'd be funny. And you can leave this part in as well. I got your audience.

Yeah, I'm just like, I really enjoy affirming things. Enjoy. Wait, why is it a feeling? Oh, please don't, let's not. You don't have to. You did not just say those words. Enjoy what do you mean? a joint. I understand if you were like, even if you said I have to affirm, like, I, I would

push back, but I enjoy affirming. Yeah. Enjoy. Like, it's a feeling. What are you saying? That instant gratification of like, okay, I may not have the money, but I know I get paid a two weeks so I can make the payment. They're like my little besties. Hey, they're a little bestie. Yeah. No, you're their bestie because you have a 27.37% interest rate. You're making them money. You are why I think they went public, right? And why I'm sure they're doing pretty okay. That's not a firm, though. That's my Amazon card.

It's my Amazon credit card. That's just my firm, right? I actually don't know. It all looks like a firm to me. Oh, it might be. It's a firm. It's a firm. Oh, yeah.

Oh, that's my Apple Watch. Yeah. What? I bought that as a graduation gift for me. For myself. You don't graduate. August. Wait, graduate with your associates?

Yeah. In what? Oh. Oh. What's wrong with the county? Oh, because you're stupid with numbers. Yeah. But, yeah, no, me and, me and Amazon, we go way back where I literally.

Yeah, most of us do, but you can do it in a controlled way. I own Amazon a lot of the things. I'm pretty sure I'm just bankrolling JetBaz's life. You're a little comedian, aren't you? No funny little girl. You think this is cutesy. I hope your boyfriend watches this back and feels disgusted. That was mean.

That was mean, but I just, like, usually I'm a bit more roasty and kunti, but I just feel mean right now because it's just like, I don't enjoy your presence. I'm just a little baby. I have no money. I just have blocks. You really are trying to be funny. No, I just really like that meme.

That's funny. I like the meme. Oh, man. Ye. I can't pay you I just have blocks Oh god Just keep going

Oh are you Oh are you Mmm My brain is like swimming And liquid right now Just trying to like What do I even do here to get out of this or something Can I leave this conversation

I keep the You have on your Tires 35.97% interest on them Really? I didn't know that You don't know anything because you don't look at anything.

Why would you know anything? You think you would know anything? You don't know anything. You don't know what you're talking about. I thought it was supposed to be interest-free. Like, I really did think it was supposed to be interest-free. Honestly, I thought it was. You probably extended the term or something.

Because sometimes they'll do interest-free for like three months. But if you say, no, I want to do this for a year. It's like, uh-uh. Possibly. But they were so expensive. Tires are stupid expensive. And if you had an emergency money, you wouldn't have been in the son. Yeah.

Well. Well, what? What? Huh? Well, what? I mean, yes, but... Stop whaling at me. Are you creating videos as a full-time creator? It's a grind between scripting, editing, and, oh, all those endless little tweaks. And sometimes it feels like Tequitos would be honestly a better career choice.

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Everything's good. Financially secure. Everything's great. All right. All these together. All these stupid affirms together. 184. 59 cents plus $4.25 plus $18.52.

Okay. Affirm. Affirm. $2007. I just thought I heard a noise coming from your side of the table and I got very upset. But this is where I am right now. Okay, but I did return something from that because I felt bad for getting it. What? I bought a person a wallet But then I said I don't need the wallet

Was it the sack? Yeah Great the 0% bullshit So we saved $4.25? No, no I'm still paying that. It was more. Yeah. So I returned like the thing I didn't want

It didn't fit my phone so I just returned it But I thought that was responsible Usually I would have just I would have just kept it Oh my gosh I would have just kept it and just like been like oh well We have and you know we usually upload like an F-round video in our membership section for Hammer Elites and Hammer Pros.

And we know, they know that we got a very sharp sword that was delivered. It's Jake's little play sword. I want to take that right now and sacrifice myself, for of everyone. Sipakou. Yes. You're purchasing on this too, dude. Yeah. I'm purchasing. Is there an account you haven't purchased them?

Mm. Are you purchasing on everything? I'm pretty sure I'm purchasing on everything. When you have negative money. Okay, but I did actually like freeze my Amazon card. So I can't. What does freeze look like? You can like turn it all.

No, you need to close your damn accounts because you'll turn that fucking shit back on. I don't give a fuck. I don't give a fucking shit. I don't care. You're not willing to do anything, are you? No, like I want to. You know, you don't. But I froze it.

You don't want to. You don't want to like be in this anymore. You buy like 1%? No, like 25 at least. She's the. You think this is a joke. No, okay. You treat...

Life is a joke. I wouldn't have... Well, I mean, sometimes that's all you have... Like, what you gotta do to get by? No. What you gotta do to get by is... Bolt down. Make a plan.

Figure out what it takes to get to a goal and then start working on those. That's what it takes. I don't know what you're talking about, dude. Neither do you. You just try to justify every stupid little thing. I'm not really even sure what I spent on this. that.

And it's only the store card. That's interesting. I haven't heard her say that about anything else. It's only the store card. So we can't even spend it like outside of Amazon. Thank you. Yeah. It's probably a lot worse.

You can spend this a whole foods. Oh, really? No, actually, don't listen to me. Well, I'm not, I don't live. There's no, there's not whole foods in Mississippi. You're right. Probably just a dollar store. Okay.

There's so many dollar stores. I'm kidding. Mississippi is probably so good. It's not. So great. Don't move there. I have no. attention to visit.

$446. And 88 cents. Okay, that's not bad. Oh, no, I think it's like a $500 limit. Right? I don't, gonna, oh, my. I mean, it's bad if you look at it like that, like with everything stacked up with it, but just on its own, it's not too bad.

You're spending and there's interest. It's all bad. You're never going to get out of debt. You're never going to get out of debt. Never going to have a retirement. You're never going to have anything. If your logic when looking at this will unemployed and negative, money in your checking account is it's not that bad.

You're done. You're done. There's always a light at the tunnel. Listen, listen, you are done. Yeah. You have no hope. I feel hopeful. No.

That hope is in delusion. You have no hope. I think it is. I really do. I think that there, I think you can always get out of a situation. I think there's a light at the end of the tunnel. Only if you drive. dude you're not you're not doing anything you're just sitting in there and sometimes going backwards

or trying to figure out a shortcut but guess what dig that way on the tunnel you're going to fall off the cliff okay like this is what you've done when you got yourself into that that consolidation bull yeah yeah that was like now looking back that was probably not like the best idea but um i didn't really know i was going to be laid off which is also what i was saying this is the longest hour of my life. This is the longest an episode's gone in. Gosh, months.

I've never felt a length of an episode like I am feeling this right now. That's not funny. It's not cute and it's not a good thing. It's disgusting. Shocker, your purchases are on Amazon? Let me pull up your Amazon app, dude. Are we even halfway through this? I don't really, yeah.

Pull up your Amazon. Oh, no, there's not like much. Pull up your f*** Amazon. Good death lady. Good, you're getting wall sense. Oh, we got more wall sense because we definitely can't breathe. She has a little car seat cushion thing. Great, thank goodness.

I take a lot of road trips. Okay, stop. You probably can't afford it. Dude, you need to be working, you a little... You got shoes. You probably never had any of those. What is this? What is this?

A wrist cushion for the keyboard? That's okay. I don't think you need necessarily that. We got the same desk pad that I purchased for all my employees. It's nice. you did not need a new keyboard you did not I actually bought two

you did well not I bought one on Amazon do you want to get murdered one in person why do you need two I didn't like that one did you return it

you haven't returned it dude I don't know is it still in return window I don't know you should know because you should look I don't know I just was just like

I I'm not a physically violent man but I'm about to be yeah but I figured I would use one for work and just one keep up oh you got a good

good wireless charger for our wires charger station. Guys, we got Beats Pro Studio Pros. Thank goodness. Guys, by the way, we're on a point and I'm negative money. A beach bag and then a Wade blanket. None of that was necessary for your life. Okay, we did not need that to survive.

You did not need to. Well, are you whaling me again? Lady. The weighted blanket helps me sleep. I need a good night sleep. Have your fucking boyfriend lay on you. He's too hot. It's too hot at night.

And the weighted blanket's, like, knitted, so it breathes. So it feels good. Okay, well, we each have a way to blanket. We each have a way to blanket. I don't know. I don't know how you operate in society. Dude, you don't shut up. No, I bought a weighted blanket for myself.

And then, like. Have you ever heard silence and not been able to, like, and have been able to exist in it for a moment? No. I don't like silence. I can tell. I can tell. But we each have our own way to blanket. We both like it.

Great. I'm so excited. for you guys. I've never been more thrilled for a couple in my life. No, it's good. I promise. It's worth it. You guys are... The couple to look up to. You both have weighted blankets. Example for the rest of us. Maybe it'll help your stress if you get better sleep, too. So you might get okay sleep. Unless my dog's farting in the middle of the night, which these last two nights have been farting every like five minutes because he has a little upset stomach. And that is stinky and that's harder to sleep too. That's kind of gross. Yes, it's farts. It's not the best. My dog's farts stink, too.

You have dogs? I have one dog. No. And two cats. No. Yeah. That's so unfair. That's what the pet smart was.

That's so unfair to them. What do you mean? You can't afford pet insurance. Do you have pet insurance? Yeah. How? You can't afford it. It's like $10.

For the dog? For all three. It's bundled with my car insurance. Yeah. Oh. Okay. Okay. I'm not.

Yeah, because when I was, when I first got my dog, She broke her leg and I didn't have insurance. Broke her leg. How did she break her leg? She was, I had like, I lived in a condo that stairs and I had like a baby gate and she was still a puppy. And she tried to jump over the baby gate. Okay. No, no, no, no.

And it was really sad. Okay. Okay, that is sad. Yeah. She did it twice. Okay. So I had she had a conversation. Okay.

Okay. So after that I got insurance. Oh, okay. Responsible. I don't know what I'm looking at here. PayPal paying for. It's just like a firm, but PayPal style. So it's just those little, like, mini loan things.

Usually interest-free. Usually. Lindsay Jake, this is... I don't know with this one. I think she's... Oh, the worst. Well, the worst human being I've ever met in my life. If you aren't

Shut the fuck I'm talking to them not you You're not a part of this conversation You are A creature No I need away from you I have a belvita in my bag

If you want one It's good, it's blueberry I brought snacks to come here I will say that I did bring snacks Do you buy them at gas stations No I have I thought I'm actually from the grocery store

And I brought them with me from the house Oh so your entire $100 purchases at the grocery store are snacks Probably And breakfast food I'm a breakfast girl Hey Hey hey guess what Guess what you're a person

What is this? What am I even looking at here? I don't know Let me see I might be able to bring it up on PayPal A loan agreements to something Oh PayPal Yeah it's the PayPal Pay in 4

So it's like a firm but PayPal Yeah yeah Zero percent interest on that okay Yeah Hold on hold on Zero percent interest on that Okay So you did two.

Here. You did two? Yeah, that's what they are. Old Navy and loyalty brand market. What loyalty brand marketing? What are you marketing? No, that's underwear. It's just necessity.

You didn't have any underwear. No, I did. But, like, you can't, like, you have to, like, buy new ones. You didn't even wear forever. But you needed to do it when you had negative money in your checking account in no income. Couldn't wait a month. month and you couldn't do it the month previous. It had to be right now.

Well, I guess that doesn't make any sense. Oh, interesting. Okay, but Old Navy. Okay. But Old Navy was work clothes that I need for my new job. Okay.

What do you need to wear to sell guns to terrorists? Well, no, it's like an office job. So I have to go to the office and it's like, you know, office sheet or whatever. Okay. It's a power suit. And I worked from home previous. so I didn't have work clothes. So I needed them.

I don't want to hear your voice. And I have a lot of cash. I've concluded. I've concluded. Okay. This is, we're in quiet time right now. Okay,

quiet time. $268 and $7 is out on this. The $67 in $2 paid three more times and then you're done. Wait, that's different. Oh. Oh, wait, no, it's less now. So that's fine. Yeah.

I thought it was more. On this next one. PayPal. No, it's the same one. It's still a different loan, right? It's the same. Oh, I mean, like, technically. No, there's two ones.

There's two. But in total, it's 214, 215. Like, it's two separate. One's like 40, 160 or something like that. Right? Yes, that's what I was going through. Oh, my. I thought you wrote down the wrong number.

Oh, my gosh, I could never have a bear with you. Oh, wait, no, I actually like beer. Me either. I don't like to taste the alcohol. No, I do. Are you drunk right now? I wish. No, I could not imagine what that's like.

PayPal 1, 2. Okay, yo. Gosh, I'm sorry for being mean to you. Well, actually, kind of, not really. I don't really feel sorry. I don't feel like you're being that mean. Well, I just, I feel, I hate the feeling of feeling a dislike towards someone. So you're saying you dislike me?

Yes. And I hate that feeling. I rarely feel that towards a guest. You can just tell people you dislike them. Yes, I can say whatever the fuck. Shut the fuck. What do you mean? You're in my studio.

You're in my life. You're sitting across for me. We're in a world where people talk. Absolutely. I can say that. You can say it too. I don't give a fuck. Okay.

What do you mean you can't say that? What are you talking about? You can tell people you don't like them all the time. But I usually don't like people. It is rare for me and actually like legitimately not like someone. Every time on the show, I, you know, I blow up. I make the finances known clear to them. And it is rare.

It is rare. Maybe once a month that I legitimately do not like someone. And I feel bad that I do not like you because this sucks. Wait, are you telling me I'm like rare? Yes. And that's not cutesy. So shut the fuck up. Oh.

I don't know if I want to have you in the post show. I don't think I'm going to let you be. I don't want to talk to you anymore. I feel that. You feel it? You understand? I get it. Yeah.

Let's just see. I mean, self, there's a thousand dollars, $26 minimum fee payment. Well, you're spending like crazy in here. Five below. Yeah. Shut the fuck up for a second. I'm just going to get a perception of what the fuck is left here. Because this is insane.

Jasmine cuisine, pop shelf, raising canes, botanical garden, Korean barbecue, space center, gigaparts, mellow mushroom, little season. Shut the fuck off. Shut the fuck off. I don't care. I am observing this thing here. you're going through. Okay. Okay. Okay. It's at 26.49% interest. Great. Wonderful. Awesome. That. And then we have upgrade as well. Oh, good. 7,996. Yeah. Oh, I'm going to

that with a minimum payment of 300. 208,000. So you're going to f***. Yeah. That's the consolidation. Shut the up. Oh, good. Thank goodness. I don't need an explanation for all this. I'm just trying to just get a perception of where you're at. Okay. Okay. Minimum monthly payment on student loans. We have the total loans here. What does the current amount do? Well, $7.29 in that one. I'll send you balance $1,000 there. $11 and then see your minimum of monthly payment for this.

$3,000. $1,000, $1,000, $3,400. And that's it, $14 a month. $5,400, $21 a month. $6,223 to $20 a month. $19,000. That's $20,000, $75 a month. You owe money to your dad?

$15,000. Someone slipped this bullshit in. What do you owe to your dad? Damn dad. What do you owe to your damn dad? What do you owe to your damn dad? That's the first consolidation loan. Your first consolidation loan is your dad? Yeah. Good. This world. Guys, we're doomed. We're doomed. This is it. This is who this is who our neighbor is

is. Oh. So but now that. You're next to people like this and they're not all in Mississippi. No. But now that I'm older, I'm like, I feel bad. Not mentally. When did you do this? 20? Yeah, so I want to like... You owe him 15,000 hours since 20? Yeah. So for a decade, you vote him this?

What do you mean? I thought you said you took it out of your 401k to pay off that when you're 20. What are you talking about? No, like I did some of that as well. Like, I did both. Okay. Okay. No, like I want to pan back because I feel bad.

I just don't want to hear your voice. I really don't. I'm so sorry. I'm so sorry. Oh, I hate this feeling. I'm so conflicted in so many ways. One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away.

from you as possible. Three, I hate feeling, like, legitimately like I don't like someone, not just, you know, like, ha, ha, ha, little jokes, little jabs. I hate this. I hate this feeling. This is, I'm so conflicted. This episode is confliction galore. Do you need a way to-

I need you to shut the fuck up. Wait a blink, it might help. So you're saying you have negative money in your checking account right now? Because guess what? You had $723. At the time, but you're saying it's negative now? Yeah. Well, okay, so if you look at my statement, if you look at my statement, it ends like on a weird time frame.

So, like, it's been quite a minute. What? Like, it ends in, like, early November or something. Or October, the end of October, like, October 24. Like, it's weird. Okay, sure. October 24. So, like, it's been almost like, it's been a few weeks.

It's been, like, two weeks. Okay, calm down. It says Texas Ford has some fucking sponge and bullshit. and Diamond Art and what is that? McDonald's and PlayStation and their firm and I'm not even going to go through all this it doesn't matter

I'm not going through the rest of this it's all bullshit it's all done I hope none of that went into the fish tank this but you see where I want to go I'm trying to process I this is a hopeless conversation

not for you No for you. I want to make it sound better than it is because right now I'm only doom and gloom right now. How do I try to make this sound better? I'm ending the conversation early and I'm kicking you off. I don't want to sit in front of you in the post show. I don't.

You can stay in the green room for a bit and Lindsay and you can talk afterwards. You're a horrendous existence in front of me right now. I don't think you're a bad person, but the fact that you think it's all cutesy annoys me. You're not taking this serious. You're not taking your life serious. You have no actual desire to get out of debt. You don't care.

You're trying to look funny. You're being dumb. You don't understand things. You don't know what a number is. I don't want to talk to you. And I do not have hope for a single second that you are going to get out of death. You might through consolidation borrowing from dad sucking. I don't know.

But I don't think you are going to get out of debt by changing behavior. Because you've never changed behavior once in your life, even though you have tried multiple times. by not trying. Guess what? Guys, why did Dave Ramsey's method not work? Why did it not work? Because I enjoyed spending.

That's not his method. I could give you my method. I can connect you with the classes. I still will with hope that you might change your life. But guess what? Without actually changing your behavior, without deciding that you were going to put your future over your spending, you are not going to accomplish anything ever.

And I am done with it because you're taking this conversation like a joke. And that is an embarrassment for my existence, now and I'm pissed off in you with you and I am done you can turn off her microphone I don't want to see it here a single word from her guys we're going to the post show she won't be there but maybe we'll look through the rest of the documents without her because what a joke hammer financial score shut the fuck up oh I'm in rage mode killed there's one more thing what she needs to pay her mom back $1,000 paid for $19 sake is it worth getting her thoughts on this I'm thinking about bringing her back in is she going to be the first first first Let me get double kicked off. Okay. Why do you own $1,000 to your mom and you haven't made a payment in 18 months? That's stupid. That enrages me.

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