Financial Audit - It Finally Happened.. | Financial Audit

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Starting point is 00:01:02 Check us out on YouTube. You've affirmed DoorDash Chick-fil-A. It was like $40. Oh, we're not affirming DoorDash. Why the f*** would I pay $40 in one payment? I could split it into four. We knew it would fucking happen in the show. Here it is.

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Starting point is 00:01:49 Hi, my name is Lucia. I'm 22 and I'm from Houston, Texas, and this is the financial audit. Well, thanks for coming over to Austin. I'm happy to have you on the show. What are you doing Houston for a I am a client service coordinator for a specific bank, or I can't say the bank name. Very vague, but okay, that's okay. That's okay. What are you making? I make about $40,000 a year. Okay. Houston ain't cheap and ain't the most expensive. About $40,000 is going to be hard. How you doing? How are you doing in Houston than that?

Starting point is 00:02:26 It's a little rough, you know? I could get paid more, honestly. If you could, why aren't you? I think that I deserve to be paid more, but they don't really. They only give me a dollar every year. You know, like hourly, they just give me a dollar more every year. They hate you? Well, it's not that they hate me. They really do, they do like me.

Starting point is 00:02:46 What did you eat for breakfast this morning? Watermelon. Who'd you almost send it to? My coworker. And why? Because I was thinking of him. And what race is he? I don't think that matters.

Starting point is 00:02:58 What do you mean by that? So they're paying you $40,000 a year because they have. hate you. Okay. Right. Yeah. Understood. So, but living in Houston, you feel like you should make more. Okay. How are you actually living in Houston? How's life? What is going on? Um, well, I live with my parents. I was living on my own, um, but recently I did move back in. I did move back in with them because it would have been a more financially. Well, yeah, if you're going to stay at 40,000 hours a year in Houston, Texas, it certainly would. So I assume you're from Houston.

Starting point is 00:03:37 Did you go to college? What did you do? I did go to Lone Star, but I haven't. That's a beer. I don't know. Lone Star is a beer. No, like Lone Star College University or like the, you know. Lone Star College University?

Starting point is 00:03:52 I'm not familiar. Is it a community college? I guess it is kind of a community college. What did you graduate with? I did not graduate. Did you drop out? I haven't dropped out. I just haven't reenrolled for the fall semester yet.

Starting point is 00:04:08 What are you studying? Business administration. Okay. And that can be a good, you can get into a lot of different career fields. I like that. However, most people are usually graduating 22 years old. How much school you got left? A lot.

Starting point is 00:04:24 I've only done maybe. about one year's worth of courses. How long have you been going? So I started around maybe 20, 22. Great. And I did go to that. Great. And then you're moving back with,

Starting point is 00:04:38 I feel like we're doing life reverse. I feel like we're doing reverse life. Start school three years ago. Only have completed one year's worth of school, moved out, lived independently, moving back home. What is going on in your life? What the thing is happening? I made some purchase.

Starting point is 00:04:55 And so... Everyone makes purchases. That's okay. That's what's going on in your life is you've made some purchases. I'm just a girl. You know, some purchases like... Someone get the AR-15. Don't make me...

Starting point is 00:05:12 Don't fucking just ruin me. Don't ruin me less than... What are we? Four minutes into this conversation, don't ruin me. It's not cute. It's not funny. Don't ruin me. If you're actually...

Starting point is 00:05:23 Girl-braining this, girl-mathing this, moronicking this, if we're being honest, I mean, that's all that really is. It's not cutesy. It's not funny. It's not silly. It's f***amoramic. You're making 40,000 hours a year.

Starting point is 00:05:35 You've completed one year of school within three years ago and you're moving back in after you were already independent. I went to cosmetology school also. That basically leads to nothing. Yeah, I didn't complete that either. That's not even a long program. You're laughing about that. You think it's funny that you did not complete. I didn't learn anything.

Starting point is 00:05:54 It's cosmetology. They weren't showing me anything. Like everything was like self-taught basically. You didn't complete it. Well, they sucked. Why would I complete it if they suck? Okay, they're telling me you literally didn't go. I did go to school.

Starting point is 00:06:10 It's not my fault that they suck at teaching and I didn't want to be taught by people that suck at teaching. What? Okay, what did they suck at teaching? Go on. Hair. I don't know. Cut. Okay.

Starting point is 00:06:25 Hair. Yeah. They suck the teaching hair. Like cutting the hair. Like, I could get the dye in the hair process. That's pretty easy, you know. But like the complexity of cutting the hair and learning all about that, like, they just made you do like self-teach basically. Why would I pay a lot of money to basically teach myself how to do that?

Starting point is 00:06:49 So I just, I dropped out. What are you, what are your calls in life? This makes no sense. I don't understand what's going on. You look like Hispanic Mitch McConnell. I'm so confused on your entire existence.

Starting point is 00:07:06 What are you trying to do in life? I don't know. Do you have anything for me? What the fuck are we talking about, lady? You're drowning in death. That's a qualification for coming on this show, okay? $45,000 a year. You're moving back in.

Starting point is 00:07:26 You're going reverse. We're doing life reverse. You started at the midpoint of the life board game and you decided to turn the car around. I don't think I'm doing that bad, honestly. Oh, go on. Go ahead and tell me. I feel like other people are doing worse than I am.

Starting point is 00:07:42 You know, I feel like I'm doing relatively okay. You're right. There is someone smoking something somewhere on the streets of Austin. Sure. That means what you're doing is okay. That means you going in reverse is okay? Explain that. Explain that to me.

Starting point is 00:07:57 That doesn't make any sense. Is the reverse in the room with this? How am I going to? going in reverse. Have I not explained it two times? Are you sure the teachers were bad? Or you're just a dumb, I'm confused? The teachers.

Starting point is 00:08:11 I don't think so. Lady, do you not understand? I've explained it twice. Do you get it? I've explained it twice. Maybe you should explain it at third. One year of school in three years. Moved out, was independent, had to move back in.

Starting point is 00:08:27 You're going in reverse. You've tried like 50 school options. Anyway, your life's a joke. I don't understand. What's even your view on money? What are you even just like, what's your perspective? Because $45,000 a debt with nothing going in life at 22, what the fuck are you even thinking? Well, money comes back every two weeks, you know?

Starting point is 00:08:51 Like, as long as I'm employed. She's fucking. Guys, chat. She's, oh my gosh. Yeah, it comes back every two weeks. That's called your paycheck. Exactly. If I was paid weekly, then it would come back every week. Yeah, and if you're fired, it comes back never.

Starting point is 00:09:09 Well, I just got to make sure I don't get fired. You're sending your black coworker watermelon pictures in the morning. The day before Juneteenth. If I get fired, I could just get unemployment. Well, how long have you been in this job? Two years. Okay, yeah, sure, but it wouldn't be like great. And also, you wouldn't be on it forever.

Starting point is 00:09:31 It'll get me by It'll get you by for a little bit I mean you live with your parents Because you're a literal child I don't think so Are you just gonna like dissent to everything I go to work I go to work every day I pay my bills

Starting point is 00:09:47 You make $40,000 you weren't paying your bills That's why you had to move back in with your family I was paying my bills But you couldn't afford them Why did you need more money Why'd you move back in then, huh? To save money Because you couldn't afford it

Starting point is 00:09:58 Because I wanted money well, I wanted to have more money than, you know, when I pay rent, I have less money available. And so moving back in with my parents, you know, I have more money available. What are we trying to do? What the fuck are we trying to do? What if you have no plan?

Starting point is 00:10:19 You have no desire. What the fuck are you here? Why am I talking to you? Uh, she doesn't even fucking know. What the fuck is happening? What are you? A girl.

Starting point is 00:10:34 Shut the fuck up. Barely. You have a super villain laugh. Is that a good thing or a bad thing? No. It's not a very attractive quality. I'll be honest. Not to you, at least.

Starting point is 00:10:46 Or not to the customers that you're serving on the phone. Another reason to get fired. I don't know about that. I think they like me pretty well. They're on the phone with you. You have no fucking idea. They just want to get off as quick as possible. I don't want to be on the phone with them either, but I still am.

Starting point is 00:10:59 Hear that? head of the bank. Okay, so you're moving back in. No goal or objective for moving back in. No reason to actually save money or... How'd you get into $45,000 a debt in four years? Making some purchases, you know. Sure.

Starting point is 00:11:21 I wanted loboos. I wanted an iPad. I wanted furniture for my apartment. The fuck did you call me? What is a boo-boo? A lo-booboo. A lo-boo. La boo boo boo.

Starting point is 00:11:32 The boo boo boo. La boo boo. No la boo boo, but that means the boo-boo. What does booboo mean, right? What does a la-booboo? It's a... You don't even know what a la-booboo is in your buying a la-booboo? It's a keychain from Pop Mart.

Starting point is 00:11:48 I know what a keychain is. I don't know what Pop Mart. What the fuck are you doing? Showing you. Look at my son. Look at my son. What the fuck is this? Oh, you are an obnoxious creature.

Starting point is 00:12:02 Isn't he so adorable? Look at him. He sits on my purse. He comes to work with me. Oh, he works to pay himself off. Your coworkers must hate you. No.

Starting point is 00:12:13 You hate you. I mean, you're basically getting paid. Houston minimum wage before being honest. People come to me and they ask me to get them loboos. Nobody respects you. Nobody respects you. You're not respected. Get that the fuck off that desk.

Starting point is 00:12:26 This is not a sponsor. Get it off! I think you like him. I don't. I don't understand the point. Let me see it. I don't care about it. You applied for a job here?

Starting point is 00:12:39 Yeah. Gotta take advantage of every opportunity available. It is not an opportunity that you'll even come close to sniffing. What job did you even apply for? I don't know. Honestly, I don't remember. It was a while ago. It was a while ago.

Starting point is 00:12:54 I don't remember how am I supposed to remember. Why are you doing this? I've applied for a lot of jobs. Are you? I'm a girl, not a creature. Are you sure? It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting $179, like the next grill 3-burner gas grill.

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Starting point is 00:13:42 Why do we allow this as a society? Why are we not putting you in some kind of institution? What is happening? I'm so confused. I don't even understand you did not get into 45,000 hours of Labibu debt. That is, I refuse to believe that. How much did that cost? Well, it wasn't all Labu Debt.

Starting point is 00:14:00 I mean, like. Yes, and that's what I'm trying to. like a tiny portion of it, you know, but I bought like other stuff. How much did that thing cost? It wasn't that much. It was, it was only $30.99. That was $31? Hell yeah.

Starting point is 00:14:15 You know, that's actually relatively cheaper compared to like, resell or sell them for like $60. So you know what? I saved money. It's a fad to try to get it. I save money there. What is it? It's the new Yetty? Not Yetty.

Starting point is 00:14:27 What was the things that white girls had? The Stanley? It's a new Stanley. Okay, no answer. Gotcha. So you bought 1,452.02.08 LaBou's. No. I'm so confused. What the f got you into 45,000 hours of debt?

Starting point is 00:14:47 That was my question. Okay. Well, one of them would be my car. Okay. A car is an answer. Thank you. What do you have? I have a 2025 Honda HRV.

Starting point is 00:14:59 2025? $40,000 you're getting a brand new fucking car? Hell yeah. Hell yeah. I was getting myself out of a really bad situation. So I had a 2013 Volkswagen Volkswagen Beetle. What is your intent here? I want to know your intent here. So I'm not going to waste my time with you, turtle-looking motherfucker.

Starting point is 00:15:21 I am not like, what are we doing? What is your intent? That car was a good purchase. It saved me. It saved me. Honestly. Answer my question. I was in a bad spot.

Starting point is 00:15:31 Hey, answer my question. What is your intent? Your question. Here. Better budgeting, I guess. Better budgeting. What have you done to try budgeting? I got a new car.

Starting point is 00:15:42 Interest rate saved me. Okay, my beetle interest rate was 24.9% and this car only has a 4.9% interest rate. So you know what? I think I did a good job. What's your minimum monthly payment on the car? $599. And what hits your account on a monthly faxes?

Starting point is 00:16:01 My what? What hits your account on a monthly basis? My paycheck? Yes! Yes! I get two paychecks. So it's not monthly. It's biweekly.

Starting point is 00:16:14 But what hits over? What's your biweekly check? That hits your account. Oh, you're a more. Maybe we'll see. This is why you will never go beyond customer service. And that's not talking about a customer service. You'll just never go beyond it.

Starting point is 00:16:30 What hits byweekly? $12 to $1,300. I'll say. 1250. So obviously there are a couple of three paycheck months. He has this biweekly, right? We're not talking by a monthly. Okay. Right? Oh, by weekly. Okay. So 2,500 comes in. You set your car payment. It was $5.99? Yes. That's fucking crazy. It's not that bad. Shut the fuck. My beetle was $420. So you know what? It's really not that bad. It's only a little bit more than the beetle. How long is your term? 72 months.

Starting point is 00:17:02 That's why. That's why you absolute creature. 22. You know what? The car will be paid off by the time I'm 30. So I'm chilling. 30. Oh, imagine if any of the cars I had, I just turned 30. Well, a few months ago. That I've had since 22 when I was young, dumb, slinging cum. Like, dude, I don't even know, man.

Starting point is 00:17:27 I was just fucking up in every way whatsoever all the way through, honestly, mid-20s. Like, you know how much of a moron I was then getting into that fucking things up? Like, oh, my goodness. Well, why do you think I'm here? Because I want to get myself out of it. I agree, but I couldn't imagine paying debt since then, since 22. That's insane. That's insane that's longer than I've lived in Austin.

Starting point is 00:17:51 That's longer than I've had an adult job. It's longer than I've had a YouTube channel. That's longer than I've done like anything. That's crazy. Eight fucking years. Also, just the payment for eight years, by the way, because you're never going to move up. No one's ever going to give you a raise.

Starting point is 00:18:05 Good fucking luck is 24% of your income. For your car payment, for the next eight years. And I'll gift you. Like, I don't know, customer service certification from course careers. I'll at least give that to you to see if you can boost your income. But who's going to deal with you? And what's the interest rate on that car again? 4.9.

Starting point is 00:18:25 Okay. It's not that bad. Compared to my 24% interest rate, I think I did a pretty good job. Yes, the interest rate is an improvement. The beta would have been paid off quicker. You would have had an owned-out car. Well, you would have had an owned-out car, lady. Well, I still, so it was a 23-3.

Starting point is 00:18:43 I'm 13 Volkswagen Beetle. I purchased it. I don't need to hear about this Beetle again. I don't give a f-I don't care. You would have had that paid off at some point. I was upside down on it. I wanted to get rid of it because I was so upside down. The car was only worth 3,000.

Starting point is 00:18:57 You have to be upside down on your current car. There's no way. When did you get this current car? February. Okay. I bet you're already upside down. I bet you're already upside down. And they have a note.

Starting point is 00:19:08 And this is what is crazy to me. Like, audience, you will never understand that. Yes, I know we find. creatures because it's fun. You know, Caleb Springer, whatever, but it's a financial and entertaining, all that good stuff. But here's the thing.

Starting point is 00:19:23 This is legitimately genuine. She had a whole conversation with our producers bragging about how she is actually doing very well and is knowledgeable in the world of finances. She was out there actually fucking doing that. This is what we are dealing with here. This is your coworker. This is your neighbor.

Starting point is 00:19:43 This is your cousin. Who the fuck are you? How do you possibly think you're actually doing well? Can you explain to me? Please, tell me. I would love to know because they just sent me that note, right? I wasn't involved in that conversation. Please, bring me back to that conversation.

Starting point is 00:19:57 How are you doing well? How are you knowledgeable in finances? La Boo-boo? I pay my bills. I don't have any late payments. You've moved in with your parents because you can't afford to live off. I do have bills.

Starting point is 00:20:09 Continue. I have a car note. I have car insurance. I have a phone bill. I have credit card. Continue. I can pay my stuff. As long as I can pay my stuff.

Starting point is 00:20:19 Where do you break up into giggles? What's wrong with laughing? I just don't understand why. Maybe you need a laugh. Maybe that's your issue. I laugh when things are funny, when people are funny. You're laughing about the bill. She's listing the bill she pays.

Starting point is 00:20:32 She gets to credit card and she starts laughing. I don't understand how you operate in this world. I don't understand how people put up with you. You're obnoxious. Please, tell me. How else are you just? just incredible. I go to work every day.

Starting point is 00:20:46 You know? Basic minimum requirement, sure. I do a pretty good job at work, I would like to think. Okay, you're not getting promoted, and you're making $40,000 a year. In two years, and in a not-so-cheap city, the market clearly disagrees with that statement. Continue. I mean, I'm trying to get another job, but I haven't been successful so far. I've gotten a few interviews and, like, second interview.

Starting point is 00:21:12 So they saw your application. Maybe your application is okay. And then they interacted with you. What does that tell you about you? That they are interested in me. That they do kind of want me. They haven't called back. Now, once they got to know you, they moved on.

Starting point is 00:21:30 That's their loss. I mean, I also have a note here. Again, you're saying you're doing really well. They know your finances in and out. We have your shit. Before moving in, when did you move in? Um, earlier this year. So while you were moved in, while you already lived with them, you were borrowing pay advances from your next paycheck.

Starting point is 00:21:59 And you think you're doing well. What the kind of delusion do you live? I don't understand. You live in the most delusional. You know nothing. Why would they make it accessible if I can't use it? All right. Let's be honest.

Starting point is 00:22:14 I wasn't sure what to think of this thing. I first saw it. Wearable AI note taker sounded like something out of a sci-fi movie. It's impossible. But then I tried the plot note pin and yeah, this thing's actually kind of a game changer. Whether I'm in a meeting, brainstorming content, or just walking around thinking through video ideas, it captures everything. And just hit record, talk, and later you get a full AI summary on the app.

Starting point is 00:22:41 On top of that, you can even chat with AI for more creative ideas or work solutions. It's crazy. You can wear it on wristband, clip it, pin it, or as a necklace. I keep it right here, so I don't forget it. It supports 112 languages to English. It has 20 hours of recording time, 40-day standby, and stores everything in the cloud with unlimited space. So you're not stuck deleting files every week like it's 2009.

Starting point is 00:23:07 Did you get that memo? And right now, they're throwing in the 2999 magnetic pin and clip for free, plus free cloud storage and their advanced AI. starter plan valued at 60 bucks, all included when you grab the note pin. So if you're the type of person with a thousand ideas or running lots of calls and meetings and no system to capture them, this fixes that. Go to my link to check it out. Scan this QR code or click the link below in the description. With code Caleb, you get $10 off immediately. I use it. It works. And it doesn't yell at me when I forget something. That is worth it right there. That doesn't make sense. I just, I didn't

Starting point is 00:23:47 you can't use it. And technically there are some things where you could use it as you can be kind of, it's not always wrong. Just like your credit card is not always wrong. It's just abused and used incorrectly by most people. I'm not saying, what are you talking about? I'm saying if you're having to borrow, well, most of your bills are paid for, i.e. the roof over your head, usually your most expensive bill. And you're having to borrow from your next paycheck, how can you possibly say that you're doing well? That just doesn't make sense. You are so lost. You are so lost.

Starting point is 00:24:20 And I hope we actually get something out of this fucking episode for you. But you are so lost. So you're actively applying for new jobs and you applied for a job here. You don't even know what job you applied for here. How many jobs are you applying to? Do they even know they're applying to jobs? Do they know you're on this show? Your coworkers?

Starting point is 00:24:39 No. Really? They didn't know. Really? Most people tell their job. Well, yeah. Most people ask permission from their job. My job.

Starting point is 00:24:46 my job to know what I was doing because they will. This is literally one of the most popular shows on the entire existence of where we are right now. I don't think how many people have heard about you. Okay. I mean, that's statistically untrue, but I don't care. It's not a fucking ego stroke. I'm just saying they will likely come across us in either shorts or clips or the episode itself on Spotify or YouTube. That's fine.

Starting point is 00:25:15 You're admitting to openly applying for other jobs. Why would they support you? They know I'm actively applying to other jobs. Yeah. I've told them when I need to go to interviews in the past. What the fucking? What do they think? They obviously aren't going to support you to stay there longer.

Starting point is 00:25:30 Why would they? You're trying to leave. Well, they need me. I don't think so. You're replaceable. You're as replaceable as it gets, no offense. Numbers-wise, I guess I could be replaceable, but knowledge-wise, they can't replace my knowledge.

Starting point is 00:25:45 I think I'm the most knowledgeable person in my- apartment. No, you are not the old wise turtle. You are the just-born turtle. You are not the one that have been around for a while. You know, most people have left, but I've still stuck there the past two years. Because no one will hire you. I wouldn't even consider you for an interview. You don't even know what job you paid for a year. I wouldn't even, what, I don't, you're a mess. How much were you paying a rent before you decided it was too much money and you had to move in? 950. You couldn't afford 950? Listen, I could afford 950. I just wanted to have more money available. For what? Specifically. I mean, that is 40% of your income. That is stretched you pretty heavily. But go on for what. Why do you want more income available? Specifically. To make my purchases, my big girl purchases. So it's not to pay off debt. Well, pay off debt. Okay. So you have to choose. Are we making purchases? Well, I need boo-boos. Or are we paying off debt? If the luboo drops and it's one that I didn't. don't have, I'm a f*** by it.

Starting point is 00:26:51 You're going to move on from fling to fling to fling. Because this must be an internet fling, right? Lubbuboos? Yes. Well, I'll be stalking them like an internet fling. What? So you're going to move from fling to fling to fling, though? Do you even know half the things you say?

Starting point is 00:27:09 Guys, she's, oh, she's lost. I mean, they're telling me you're interested in leaving Houston for one of the other four major cities, three major cities. Texas, Dallas, Austin, San Antonio. Yeah. How? How could you possibly afford it? You can't, there's no way you could afford it. Well, I can't afford it now, but if I get a different job that pays me more, then yeah, I can afford it.

Starting point is 00:27:31 But no one's ever going to hire you because you're you. You don't know that. I do know that. No, you don't. I hire people. How would you know that? I hire people. Just because you hire people doesn't mean someone won't like me and hire me.

Starting point is 00:27:42 No one would. I bet you they will. And how is that? going so far. It's going. It's not. It's going. Okay, listen, where do you think your finances are on a score of 0 to 10, 0 being the worst,

Starting point is 00:27:59 10 being the best? Where do you think he's stand? I'll say 5. 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 00:28:34 Hilton, for the stay. I'm not doing terribly. I'm not doing so great. But, you know, I'd say I'm in the middle. I'm not poor. I'm just broke. Oh, she's broken, man. She's broken, man.

Starting point is 00:28:59 Listen, if you want to say, see where you stand in the world of finances. Take the assessment at Calebhammer.com. Come on this show by going to Calebhammer.com slash apply. We'd be happy to have you on. Links in the description below. And make sure you download the dollar-wise budgeting app. Take the free trial now, sign up for the annual version, which saves a lot of money. And I will send you our cookbook, our budget-friendly cookbook, and I will sign it and mail it directly to you. It can't be purchased anywhere. So it's the only way to get it. Make sure you sign up for Dollar-Wise Central if you want to take any of our educational programs.

Starting point is 00:29:26 It's one much more price instead of paying for them individually. and it literally has changed tens of thousands of people's lives and it can change yours as well. All right, let's get into these finances because I don't even know what the fuck to do with you. You're just a creature. You're just a creature. An absolute creature.

Starting point is 00:29:42 What am I looking at? What is this? My Affirm purchase. Great. Affirm. I'm sure that's very healthy for a person like you. Okay, affirm. And what do we have? We have a total balance of 225.69.

Starting point is 00:29:59 I'm sure that goes up substantially. here and there. What are we doing with a firm? What is a firm? I use it to make big purchases, split them into smaller payments over a course of a period of months. Yeah, but I'm asking how you use it.

Starting point is 00:30:17 How do you assess it in like a daily world? Like how often are you using it? What are you using it for in general, not just a big purchase. Tell me your mindset around a firm. I think if I want to buy a Lubu-Boo set and I don't want to waste my whole entire available balance.

Starting point is 00:30:36 I'm going to affirm it and I'm going to split it into more payments. So you make your minimum monthly payments even higher and higher and higher until you can't afford to live ever. Possibly. Then you have to move back in with family and you'll never be able to move out

Starting point is 00:30:44 and you're going to be a woman child through the rest of your life. A little girl living with mommy and daddy until they're dead. Okay. Great. What are you purchasing on here?

Starting point is 00:31:00 Team Mobile. We're Our T-Mobile payment? Your fucking phone bill? You're splitting it in four? That was the only time. That is the only time I've done that. You just bragged about how you're paying your bills.

Starting point is 00:31:12 That's a bill. Okay, yeah, and I paid that fucking bill with fucking zip. Huh? With what? With a zip. Zip? It's called Zip. Is this not a firm?

Starting point is 00:31:21 No, that's not a firm. That's a firm. That's a firm. That's it. Pull out you're a firm for me. There's two different ones. Pull out to our firm. Pull out.

Starting point is 00:31:31 Pull it out. It's not that bad. Just shut the fuck up and pull it out, lady. Oh, she kills it everything. Oh, she's just happy to be alive while the rest of us suffer. I'm just a happy girl. Shut the fuck up. It's not that bad.

Starting point is 00:31:49 Shut up. There's only three on there. What? No, affirm. I said affirm. Oh, a firm. Oh, my gosh. She's actually a moron.

Starting point is 00:31:58 Are you sure you said affirm? I don't think you said a firm. I don't think you said a firm. She's so stupid. I've never even heard a zip. So I don't know what Zip is. I said affirm. You 100% said Zip.

Starting point is 00:32:07 Pull out your firm for me. There's two different ones. Pull out your firm. Pull it out. Pull it out. Popmark. I wanted a lobobo. Popmark, it's two boo-boos.

Starting point is 00:32:20 And you're getting them for 95-74. I bought multiple loboos. That's so stupid. They're so cute. I hate you. I'm sorry. No, I don't. Yes, I do.

Starting point is 00:32:33 I'm so confused. I don't want to be mean. But my gosh. Oh, you're just killing me. I'm not just trying to believe you, but you're just ruining my existence. It's nice and early here in Austin, Texas, and you're ruining my existence right now. I'm so confused. What are your payment?

Starting point is 00:32:49 I think you'd be more happy if you had a little boo-boo. I think you need to die. I mean, then I wouldn't have bills to pay. I don't want to listen to your voice anymore. Listen, your minimum of the payments on this is $57.60 until it's paid off. That's not that bad. It's stacking, though. It's stacking.

Starting point is 00:33:10 It's the stack. It could be worse. And you know what? All that on multiple payments. It's not just like... Guys, they're at 36% interest. The number one YouTube membership just got upgraded. And for this month only, you can join for free.

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Starting point is 00:34:30 It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. It's worse than a credit card. You would be better off putting these on a credit card at that point. I would if I had an available balance on my credit cards. That's funny.

Starting point is 00:34:56 That's funny. That's cute. That's nice. Oh, good. You've affirmed DoorDash Chick-fil-A. We knew it would fucking happen in the show. Oh, it only took, what, a month? What a month 10,000 ounce?

Starting point is 00:35:16 What the f***. here we go here it is. Are you kidding me? It was like $40. Why the fuck would I pay $40 in one payment? I could split it to four. Why would you pay $40 when you make no money? I do.

Starting point is 00:35:32 You live with parents. That's why it's able to stretch a little further. But if living with parents, please pay for it in full or how about better yet pay off your $45,000 a debt. So you can move on with your life. So you can move to another city. Good fucking luck. Like you're,

Starting point is 00:35:45 I can't affirm DoorDatching Chick-fil-A. You cannot affirm it. Why? Why? I knew this would fucking happen. And of course you're going to be paying interest on it. Oh, we're not affirming door dashed guys.

Starting point is 00:35:58 Come on. We can't be doing this as a society. Oh, what a joke. What a joke. What I don't know, man. What do you? I want to pull up your zip. Pull out your zip.

Starting point is 00:36:16 Now I said it. Now I said it. You said it. Pull it the fuck up. I'm doing it. You need a little boo-boo in your life. Oh, I need you to just... Have you heard the little boo-boo song?

Starting point is 00:36:29 I've never heard of La-Boo-Boo-Boo-So you think I heard the song? Yeah, you should have heard it. No? Yeah, yeah. Shut the fuck up. We're not getting copyright. Don't the fuck up. She's a creature.

Starting point is 00:36:40 It's not even Nune. She has 35% battery left on her phone. This is the kind of person we didn't have a charger. You came to Austin without a charger last night? I'm raw dogging it without a charger. You're not a dogging life with no brain. It survived since yesterday, so you know what? I think I'm- Oh, she's a Discord.

Starting point is 00:36:56 Mott as well. Of course she is. Discord notification just popped up. Didn't follow the do not disturb requests that we gave her before the show. Great. T.J. Max, Uptown, Cheapskest, Cheapskest, Academy Sports, door-dashing Chick-fil-A. There it is.

Starting point is 00:37:15 There it is. It fucking is. T.J. Max. T. Mobile. Fortnite. Paying it for Fortnite. I wanted the V-Bucks. I wanted to buy the Sabrina Carpenter.

Starting point is 00:37:35 I had to have it. And now when I play Fortnite, I use the Sabrina Carpenter's skin. And she sings and she dances and everything. Hold on. What is the Sabrina Carpenter Skin show? What do you mean? She's got her cute little outfit on.

Starting point is 00:37:54 I might go into death for Sabrina Carpenter. I get it. It's the first one I'll accept. I mean, it's Sabrina Carpenter. The things I do, the things I do, ladies and gentlemen. And the girlfriend, she already knows. We agreed that we would just share Sabrina. That's pro?

Starting point is 00:38:12 I would never want to be on a boat with you. I got a fishing rod and I got a fishing license. That canoe would sink in five minutes. Target. altered state. That's your entire existence. Urban outfitters. Guess you are in Houston.

Starting point is 00:38:27 I like clothing. What can I say? Amazon, game guys, Mad Rat Toys. TikTok shop, she's painting for TikTok shop. And she thinks it's cute. I hate her. I hate her. Lindsay, I hate her. Lindsay, I hate her. Brandon, Jake, Colton, I hate her.

Starting point is 00:38:51 Guys, I hate her. Pokemon. What is game guys? Because you were getting game guys every four things. Every four, you're paying in four game guys every second of your life.

Starting point is 00:39:03 Well, I buy a lot of Pokemon cards. What is game guys? It's like a game store. They sell Pokemon cards. They sell Funko pops. She's on every trend. Oh, Funko fucking pops.

Starting point is 00:39:15 I can go there to play Pokemon tournaments. You're on every trend. Pull up your TikTok shop. You, you f*** absolute creature. I, Listen, I'll recommend the FISCard to you guys. Not even her. I don't trust her with it.

Starting point is 00:39:28 I don't trust her with it. Usually I get you set up with it, but I'm not going to get you set up with it. I don't trust you. I have no Wi-Fi. Why did you join it? What's the password? Shut the fuck up. Listen, chat, we can make them join the Wi-Fi this dumb fucking creature.

Starting point is 00:39:49 Oh, I am connected. I don't think it just likes me, though. Who does? even technology refuses to communicate with you. That's not my fault. You have bad Wi-Fi. A month ago? It's not working.

Starting point is 00:40:09 Give me your phone. You absolute animal. You absolute animal. She has 24 things in her TikTok shopping cart. I haven't bought them. I mean, they're in there, and I look at them every now and then, but it's not like I've actually gone and purchased them. This is what's in the car.

Starting point is 00:40:36 And what are we even doing with these? You don't need all this. This is like, in top, top, slippers, coat. It's Texas. It's 100 degrees. She has a fucking coat in here. They looked cute.

Starting point is 00:40:46 Shut the fuck up. They were cute. On her back seat, a peepod wrist bag. Little fucking fluffy thing to put out of the fucking seat of a car. Hell yeah. If you want to make your car, cute.

Starting point is 00:41:00 I like having a cute car. Women choose lingerie, please. don't holographic debit something I don't even know more Lodge of way I guess she's getting back out there ladies and gentlemen Houston watch out

Starting point is 00:41:13 stainless cup shoes but those are out of stock I don't know go to your purchases Can I see your purchases orders I don't even know how to use

Starting point is 00:41:26 TikTok shop Oh it's a fucking Pokemon Pokemon Pokemon Pokemon Pokemon! I've bought a lot of What the time? Stop! Our training things, trading things.

Starting point is 00:41:36 Oh, she's a fucking addict. She's an addict. Oh, she's an addict. She's an addict. I need to see something and confirm my suspicions. Show me a picture of your ex-boyfriend. Why? I have suspicions.

Starting point is 00:41:50 Suspicions of what? Suspicions. I just want a picture. I'm going. I'm going. I'm going. My suspicions were incorrect, ladies and gentlemen. Never mind.

Starting point is 00:42:07 No worries. We move on. I don't know. You're paying for everything in your life. And let's see, your minimum payment's. And it's weird because it changes because things come and go. And I'm assuming that it honestly stays pretty average. I assume when you have anything left you're able to spend on here, you send it up.

Starting point is 00:42:25 So I'll just calculate what your minimum monthly payment is now. And that's probably around where it typically is regardless. But you need to pay these off and never use them again. Your minimum monthly payment on here is 112,68. And that pays off in one, two, about probably average three months. Wow, you're paying for addictions insane and it's crippling you and you're making your minimum monthly payments so unsustainable. On top of everything else, you will never be able to afford rent. Never.

Starting point is 00:42:56 There's not a chance in this world. And I want you to be able to move out if you want to move out. I would love get your life independent. Get back out there, you know? You're never going to be able to if you're paying it for everything. The moment one is paid off you immediately get something again. then you're borrowing from your paycheck? Like, you're never going to be able to afford rent, ever.

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Starting point is 00:43:48 Door-dashy check-th-in-ful-in. Absolutely. I don't want to drive. Shut down. I don't care about anything that you're saying. I don't care about your, your life is nothing. What is this? I mean, you can read that.

Starting point is 00:44:02 It says weather tech for my car. Is this a zip? That's a firm. This is a different affirm? No, that's still. Oh, I hate you. I hate you. Shut up, shut up.

Starting point is 00:44:14 What a miserable life. What a miserable existence. Why do we owe $3,593. $59.59 to IKEA. I know you. eat a lot of meatballs. Furniture. Furniture is expensive. What? Ikea's in general in the more affordable furniture. What did you get? I got a couch. You lived your mom. Not anymore. Well, I mean, like I did. Like I did. But I mean, like, you did what? Like, you don't live with them anymore.

Starting point is 00:44:49 Like I used to live by myself. I mean, I used to live by myself. When did you get this? Last year. What was your purchase? I got a couch. I got a coffee table. I got a desk chair. I got everything. I got shelves. I got a mirror. I got a rug.

Starting point is 00:45:07 I got floor liners. I got bathroom related stuff. I got everything that's in a lot of the bathroom related stuff. Ladies and gentlemen, go on Facebook marketplace. Set it to the wealthy area. They just want to get rid of their furniture. You will get stuff on the cheap

Starting point is 00:45:21 that is pretty good condition. You can frift the shit out of this. What you've done is the most dumb What do you think? And what's all that furniture now? In my storage unit. You're paying for a storage unit. Living at home paying for a storage unit for the last five months. How much is your storage unit?

Starting point is 00:45:38 $100 a month. Just to keep our IKEA furniture that isn't even close to paid for. I mean, I've tried to sell it, but who's going to pay, like, actual retail price? No one. It's a used furniture. You can't sell it at retail price. What are you? How are you not, you are not that moronic.

Starting point is 00:45:56 There is no human possible way that you think you're, able to sell it at a brand new price. Just because you owe on it, doesn't it mean this, just like your car, your car is below the value you paid for it, and you probably owe more than it's worth. Same thing with the furniture, except you shouldn't be doing that. It's ridiculous. How long does this take to pay off minimum monthly payments only?

Starting point is 00:46:16 If you don't purchase anything else from IKEA. I don't know. Of course you don't. Eventually, you know, eventually. You don't know anything in this world. It takes nine years. You'll be 31. That's not that bad.

Starting point is 00:46:30 You see this ancient motherfucker right here, you'll be one year older than him. That's not that bad. You know, it's more terrifying than catching your toddler with scissors, not having a plan if your family is caught off guard because something unexpected happens to you. And that is why I applied for term life insurance through fabric by Gerber Life, because adulting doesn't stop at just setting up your Roth IRA. Look, we all think we're planning for the future because we've got a savings account or we skip Starbucks for a week to help save for a vacation.

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Starting point is 00:49:29 It could be worse doesn't work. It doesn't work. There's always worse and there's always better. Okay? Just because someone's making $2 million a year doesn't mean you making $100,000 a year is bad. Just because there is someone getting drone strikes in Iran right now doesn't mean your life is not bad. sorry Ayatola but my life isn't bad

Starting point is 00:50:01 I have a car I have a job and buy my stuff and your ugly boyfriend broke up with you and you live at home with your parents your life is bad

Starting point is 00:50:11 and you have 45,000 hours of debt and you have nothing going for you and you have no chance of moving out your life is bad other life is worse doesn't mean your life is good other lives are great doesn't mean someone's life is bad

Starting point is 00:50:24 you know I think I'm pretty happy you're delusional you're blissfully ignorant that's okay to be happy on and listen if that's that's that let it be that that's okay i'm willing to help people and get people to where they want to be if you're happy and you are satisfied good go on i'm not going to sit here and judge from a keyboard or whatever online scroll and find you and be like no that's okay live your life if that's the life you want to live don't come asking for handouts, don't beg and be like, oh, the world's against me. No, you did this to yourself. But if that's life you want to live, go do it.

Starting point is 00:51:04 I'm not requiring you to do better. I'm not requiring you to do better. I'm willing to help those who want to do better. Why would they give me credit cards if they don't want me to use them? They give me access to free money. Eventually I'll pay you that. Why would they want you to use them? Can you answer that?

Starting point is 00:51:21 I want you to just put yourself in their shoes. You know, listen. Because they want me to use it to spend money But why? Why would they want to? So they make money There you go They're making money Which means you're losing money

Starting point is 00:51:33 But I'm still getting my purchases at the end of the day You are getting your purchases And if that's all that matters to you Then go on Do it That's okay If that's the life you want to live Go fuck up your life

Starting point is 00:51:45 That's okay That is your choice It's not that f*** up Do you not understand what I am trying to say lady Do you not understand what I'm trying to say You can live whatever life you want to live whatever life you want to live. I will accept it. I'm willing to help those that want to be helped. Do you want to be helped? Do you want the budget? Do you want the chance for a better life?

Starting point is 00:52:09 Yeah. Your parents must be ashamed. I understand why he ran. Surprise your parents have him. The fact that they enable this is disgusting. The fact that they enable this is disgusting. The way you live life is disgusting. I'm not going to sugarcoat. I don't care if I'm rude. You need to here. No one's ever told you. People have just supported this for far too long. It's disgusting. The way you are living on this planet is disgusting. I think I'm a pretty clean person. I don't know.

Starting point is 00:52:58 Is it disgusting in the room with us? Because it's not me. You had to pay this within 12 months. You did not pay this within 12 months. It'll get paid off eventually. Okay. You're misunderstanding what I'm saying because you're unable to comprehend a single thing in this entire world. You had to pay this off in 12 months not to have any interest accrue. You didn't and now interest is accruing at 21.99%. Could be worse.

Starting point is 00:53:44 She doesn't understand. She doesn't understand. She is so lost. She is so lost She is so Lost man I don't even know Okay

Starting point is 00:53:56 Some of these I think there's some That Okay one expires next month That certainly not gonna be paid off And one expired a month ago And one expired like last week Two weeks ago

Starting point is 00:54:10 See Shut the fuck up I don't want to hear your voice Shut the fucking I don't want to hear your voice It barely started Yes and now it is accruing But here's the thing

Starting point is 00:54:17 Guess what You've had Two late fees this year It's not that bad I don't know what the f*** to do with you. I don't know what the f f-to do with you. What do you think is considered a reasonable amount of late fees? Not paying these on time.

Starting point is 00:54:37 And while it's interest-free, giving you the opportunity to pay these off in a year to not pay any interest, making it actually makes sense. Because I'm okay with financing furniture if you pay it off interest-free. You can then invest the money. And if you're investing when the stock market was down

Starting point is 00:54:53 a couple months ago, you would have made a decent amount of money. That would have been wonderful. you can finesse. You're not finessing. You're a disgusting creature. Financially. I'm just a girl.

Starting point is 00:55:06 Barely. Two missed payments, late payments, miss payments, whatever the f***ing. This year so far is insane. We're not halfway through the year yet. That is not, what do you think is considered reasonable? Reasonable? Yes.

Starting point is 00:55:25 I'm hard to answer a question. It's under five at least. So half? So half? To miss half the months is fine. Well, I mean, I've made every payment that I needed to. Yeah, but late. And then you're getting charged fees,

Starting point is 00:55:42 meaning you're having to pay more money. Okay, so maybe I accidentally miscalculated my budget. Just calculated. Maybe I forgot the date. Why would I, what if they like overdraft me? I don't want the overdraft fees. Why would you be overdrafts? Why wouldn't you have enough money in your checking account?

Starting point is 00:55:57 You live at home. Make purchases. Sometimes. And sometimes maybe those purchases might be over my budget. And so why would I have auto pay on? Why would you be purchasing things over your budget? Maybe I accidentally forgot to look at my bank account before I swiped my card. No, no, no, no. If it's not in the budget, why would you be purchasing? Because I want it. But then why budget? Why not?

Starting point is 00:56:21 Because it's doing nothing, because you just, you go spend on what you want regardless. It's doing something. I mean, it's doing something. I pay on my bills. No, this is a bill. You were late. Twice this year. Not halfway through the year yet. It's okay. We all have that dream trip.

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Starting point is 00:57:06 Or visit priceline.com and book your next trip today Your happy price Your perspective on life You just have to essentially say You have to make a choice How much do you actually want to move out? How much do you actually want to be independent? Where is that on your scale of wants?

Starting point is 00:57:32 Like on a scale of 1 to 10? Sure. 10 you want to move out? out yesterday. Okay. I'll say maybe a seven and a half. Okay. That's pretty high. Then why the aren't you managing this correctly? Because you're making it go even further and further away. That is not a seven action. That is not a seven and a half action, not even close. Nine years to pay off. So nine years until you move out. I think I'll move out before then. How? How? How are you finding a way? What are you doing? You're certainly not starting

Starting point is 00:58:05 OF. So what ways would you be finding? Maybe I could do a side hustle. What side hustle would you be doing? Sell loboos on the side. I could be a laboobo reseller. Are you? Well, how much have you made off of your booze? Boo booze. It's a little. How much have you made over how long?

Starting point is 00:58:23 Profit, profit. Profit. Okay. I don't even know if you know how to calculate that, but profit. I can pull up my calculator. I have a calculator, but you don't know how much you've made? I haven't I haven't done that many You know

Starting point is 00:58:36 Like I've only like Resold them Like my co-workers And so like you know Co-workers I don't want to I don't want to overcharge them You know like

Starting point is 00:58:44 I don't want to be like Those resellers That like charge double the price To like make a lot of profit You know I feel bad Because like everyone is selling them For so much more

Starting point is 00:58:54 And I don't But what's the point then What's the point If that is your entire intent Behind the boo-boos Then do it Be scummy mother fucker I

Starting point is 00:59:02 I don't support it. But if that's the point, then I don't understand what you're trying to do. That's going to be your side hustle that helps you get out and move and pay rent earlier. Well, I haven't fully figured it out yet. What? The boo-boo scheme? I mean, the boo-boo scheme's going to come and go just like the Stanley's dead. I don't know.

Starting point is 00:59:20 There'll be a new scheme. I'm just 22. You know, I have a lot of time to figure everything out. You do have a lot of time. But if your entire thing is seven and a half out of 10 wanting to move out tomorrow, that sounds like you don't want to wait a lot of time. So I don't understand the excuse of I have a lot of time. You want to move out now.

Starting point is 00:59:38 Your priorities are whack. You are preferring the boo-boos. You are preferring... I don't even... Door-dashing Chick-fil-A on Klarna. Pokemon cards every five seconds of your life. Pokemon cards are cool. Or moving out.

Starting point is 00:59:54 Or moving out. Choose one. If you want to stay home forever, you can. Again, I will support this. Well, I won't, like, give it a woo-woo, but I'll let you be. I mean, if you want to live at home, purchasing Pokemon and boobos, you can. Have you ever opened a Pokemon pack before? I'm sure I have.

Starting point is 01:00:12 Have you ever just like, you know, bought like an ETB and then you just tear open a bunch of packs? It's the adrenaline rush. It is like gambling. It is like gambling. It is. And it's fun. And then you can trade them or you can resell them. You know, I've got it a good amount of cars. I'm not against it.

Starting point is 01:00:28 I am saying choose that or moving out. What's more important to you? is it moving out? I hope it's moving out. Yeah, it's moving out. Then we have to make some hard choices. We have to make some hard choices. That is what is called being an adult.

Starting point is 01:00:39 And you're 22, you're four years into adulthood. I don't care by your infantilization. I'm just a four-year-old adult at this point. You know, I got a lot to go on still, you know. It's not even four years. I think I've learned a lot. And I still have a lot to learn. But, you know.

Starting point is 01:00:58 And that's okay to learn things. but you have to make adult decisions. You're choosing Pokemon over moving out even though you want to move out. It's because, you know why? It's because moving out is a long-term process. Moving out is something where you have to save up. You have to have savings.

Starting point is 01:01:13 You should pay off some debts, so your minimum wage payments aren't as intense. You have to put first month, maybe last month. It certainly is security deposit down. You might have to move and find a new job. Those are things that take two, three, four, five, six months, year maybe. That is the long horizon.

Starting point is 01:01:28 Hard thing to look forward to. hard thing to stay down and grind for where a Pokemon purchase is like that. You are only able to do those instant things. You cannot see beyond a day. You can't see beyond a day. You wouldn't even bring your phone charger to Austin when you came here last night and stayed in a hotel. You can't see beyond what is right in front of you, which is why I think you will never move out again or you will and you'll get evicted and move right back into home.

Starting point is 01:01:54 You'll move out unprepared. I think that's how your life is going to be. you have another one that expires in 20205, but that one's a lot smaller. All the rest of them of this IKEA card are substantially higher. Furniture you did not need when you could have got used furniture. No, probably not a rug. But though you kind of get a professionally clean,

Starting point is 01:02:15 but at that point, you know, cost difference. I had no furniture. I wanted furniture. I didn't want to lay on the floor. So I went and I got furniture because I wanted my, I wanted my apartment to be a vibe. That is used furniture. It was a whole vibe, you know. Furniture used.

Starting point is 01:02:28 It all fit perfect. In my apartment. No offense. IKEA is not a vibe. They have really cute stuff. I don't know what you mean about. IKEA is not great. They have really cute stuff.

Starting point is 01:02:35 You would get better stuff off of Facebook marketplace from the rich areas. They just want to... Okay, but like I don't got money like that, so that's why. Ikea credit card, put it all on the credit card, and then I don't have to pay it off right then in there. You know, I just swipe the card and boom, done. I'm going to kill you.

Starting point is 01:02:51 When a wealthy person is moving or when a wealthy person is renovating or getting new furniture or whatever they're doing, they just want to get it out of there. They just want to get it out of there. They will take it for chief, dude. They will. What do you think furniture flippers do? It's so easy.

Starting point is 01:03:08 Resale? I don't know. It wasn't an actual... Okay, what is Premier Bank card? A card. Yes, what is going on with this? It's just a card. I just happen to use it.

Starting point is 01:03:25 Oh, my gosh. I don't know how you've made it this far. Oh, my gosh. Do you... What are your coworkers think of you? Do you even know? Oh, she's over the limit by $41. She's over the $1.

Starting point is 01:03:38 It's only $41. It'll be gone by next monthly payment. I'm going to break one of these again. I've had to replace these now. I broke it. Damn it! Oh, the rage of this fucking show. The rage of this fucking show!

Starting point is 01:04:04 It's holding on barely. For what it's worth, you at least made your minimum monthly payment, but then, wait, it must not have been on time because you had fees. You had fees. You had interest. the and you made a lot of purchases. What were the fees? What was the fee? Oh, it's just a monthly fee. This is a horrible card.

Starting point is 01:04:23 Why would you have this card? Why would you just have this card's horrible? You could have any other card. Well, probably not you. No. With my credit, I can't get another card. Oh, then you need to close this card, man. You need to close. Okay, simple fact is you just need to close this card. Well, eventually it'll be closed, but you know. But no, no, no, close. You call you close. What do you mean? Eventually it'll be

Starting point is 01:04:45 closed. Well, how can I close it if I don't have the money to pay for the whole card? You don't have to. You can close. close a card. Well, it has a balance. Call them. That's a thing? Yes. Since what? Since cards. You can close cards if you have a balance on there. Yes. Interest will still accrue, but you just can't purchase on it. This is news to me. They'll fight back. Some might not allow it, but with the majority, yes, you can. Listen, with the fees and everything, amount over limit. Oh, f*** sake. They're making you pay that into your minimum month. Your normal minimum fee is $59, but right now it's $100 because you owe above the fucking limit. But then I pay more off.

Starting point is 01:05:19 So, you know, it's fine. Like, in a way, like I do. No, in a way. The balance of the card goes down at the end of the day, doesn't it? No, because you're over the limit. What the fuck I'm talking about? Well, after I make the monthly payment, then yeah, the balance will go down. But you don't.

Starting point is 01:05:32 Or else you wouldn't be above the minimum monthly. Or else you wouldn't be above the limit. What are you talking about? Well, the only reason is about the limit. That would be the case, and it's literally not the case as I look at this. So that that's incorrect. What do you say? I don't understand what you're saying.

Starting point is 01:05:48 I don't understand half the things you're saying. The six, three years to pay off if you make your minimum payment only without purchasing things. They're telling me to use it for just food and Pokemon cards. Also parking in Amazon Prime and Prime and Sonic Drive and Cantina, McDonald's, Chick-fil-A. What can I say? I'm a foodie. Foodie is Sonic Drive-in? I really like the Dr. Pepper's from there.

Starting point is 01:06:15 I'm sure you do. You really look like. $1.21 to $74 is the $0.25 is the $0.00. fees, $121 in interest this year so far. Instead of 36% interest rate and you're above the limit. You're a lost cause. I'm sorry, I'm so sorry. Your world views is so f*** and you are so f***.

Starting point is 01:06:31 All right, financial audit listeners, I just wanted to give you a quick update real quick because I let you know what tools and everything I'm using in my own personal life. And I want to let you know after a couple years, I finally made the switch to a better platform for investing. And I got a lot of sign-up bonuses so you can get some money if you come with me. So I've made the switch to Weble because it is the first platform that actually makes sense that I've used in a long time. Whether I'm on my desktop or phone, I've got full control. I'm talking real deal charting tools, technical indicators, and stock screeners that actually help you make smarter moves. So whether you're just starting out or just paper trading to learn the ropes, or you're like me and want extended hours,

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Starting point is 01:07:45 So if you've got an account just sitting somewhere collecting dust, move it to Weeble, like I did. Do you want to start investing? Do it with Weble like I do right now. It gets in the hint here. I mean, there's a lot of money just sitting there. And this is a much better platform than the one I was using before. So just go to Weble.com or click this QR code. Links are in the description below. Just get started. Get money. I just, I don't, I don't, you're a creature. What even is this card? What do I put as the name of this card? What is this? It says IKEA. Can't you read?

Starting point is 01:08:20 This is another IKEA card? I have two. This furniture, you went about furniture in the most moronic way possible. Okay, IKEA number two. She owes, she's above the credit card limit on a fucking IKEA card. What was wrong with you? Okay, well, okay, so I paid for the account as sure. And, well, I didn't, I got it.

Starting point is 01:08:45 I paid, well, like, I didn't really know what it was. And so, like, they started charging me monthly fees. I didn't realize how much it would affect me. What do they even sell you? What does it even say it does? It's like if I lose my money. my job, then, like, I'll be fine. What? Then you'll be fine with what?

Starting point is 01:09:01 I don't know. Like, it protects if you lose your job. I think it pays for it. I'm not entirely sure. Honestly. You got a $600 blow dryer on this card? Couldn't even make it through fucking hair school. It was a dice and air wrap. It makes my hair look really cute for work. Your hair looks fine.

Starting point is 01:09:18 I used it today. $1,0.0.81. and $82 on a $1,000 on a $1,000 limit. Your hair looks fine. Minimum monthly payment, $40. A dice. What a joke. It was a good purchase.

Starting point is 01:09:29 No, none of these purchases are good. Okay, Dyson are moving out. Dyson air wrap. Oh my God. More than moving out. I love my Dyson air wrap. It's God lame. It makes my hair look really nice.

Starting point is 01:09:42 See, this is why I have no help. It takes so little time to do my hair every morning. I'm filming this because people put work into it and because, you know, we all put three of these a week. And I'm sure someone will find this interesting and someone will send this to the person they know that is just like you and as moronic as you. And someone will agree that the Dyson Air Wrap was a good. purchase. So there are actual reasons to continue filming this, but you are lost. Let's be clear,

Starting point is 01:10:03 you are lost. If you're prefering Dyson Arap over moving out and actually starting your- I'm not saying that I prefer over moving out, but that Dyson was a good purchase. I think your person, if you had a person, you know, like they would. Well, your girlfriend would probably really enjoy it Dyson Airap. If she doesn't already have one. She doesn't. She would. She probably love it, though. And I can buy it because I can afford it because I've moved out and started my life. You can't afford to leave your parents. You want to leave your parents. You chose Dyson and paying for their stock price to go up for investors like me.

Starting point is 01:10:46 Thank you. You're welcome. I just don't get it. I just don't understand why you, the choices you make are just so backwards, but just so backwards. It was a good purchase. And then you paid a fucking job protection bull-up on it,

Starting point is 01:11:05 and now you're over the limit. Okay, well, I canceled that. I canceled that recently. Shut up! You put a trip on this card apparently too, they're telling me. A what? A trip.

Starting point is 01:11:16 What trip? I don't know, to a friend's wedding. Yeah, yeah. She is a fucking supervillain. She's a little creature. I mean, it wasn't that far of a trip. It was like to Navistota. Yeah. It was a little bit of a drive.

Starting point is 01:11:29 What did you just call me? To Navasota. You know what that is? No! Or else it wouldn't be giving you that face. It's a place in Texas. Google it. Fine.

Starting point is 01:11:41 No one's ever heard of that place, except for the people that live in Navasota. I think you just haven't heard of it because you're uneducated. Do we know Navasota? Do we know Navasota? Okay, we got one yes, one no. Because they're educated. Okay, three noes, one yes.

Starting point is 01:11:58 So three people are uneducated. Small town and it's out. Okay, it's right next to Houston. You live in Houston. Why did you have to put hundreds of dollars on this card? Well, the hotel room. I had to get the hotel room. And then there was a speakeasy and I wanted to get drinks.

Starting point is 01:12:13 I also had to get my friend a wedding gift because it is her wedding. Gosh, I bet everyone at your job is just getting drinks every day just to make it through the fucking workday with you. Buzzball a day keeps the demons away. Listen, I get it. Support a friend. Go to the wedding. I love it.

Starting point is 01:12:28 But look at how you're doing. It's so stupid. She better be like a bestie. Yeah, she's my bestie. I'm jealous of her lifestyle, honestly. She's got a man. He makes enough money to support both of them. You know, they got a nice house.

Starting point is 01:12:41 Maybe if you weren't a creature, you'd have one too. Maybe if I had a man that made more money than me. Yeah, you know, I'd probably be better off. I don't think everyone makes more money than me. You're right, not everyone, but the majority of the median income in this United States does. I think I make more money than most people my age. No. Most people my age would probably be having other jobs, you know.

Starting point is 01:13:03 I think I'm pretty far ahead compared to those people. Most people are graduating college. And they don't have jobs. So I at least have a job. I at least make $40,000 a year. I mean, they might be in school, but are they making money? I don't think so. I am.

Starting point is 01:13:18 Yeah. In general, sure. For someone fresh out of college, yes. You do actually make more than that. However, they are going to quickly pass you because once they get above about 25, they're going to quickly surpass you, start getting closer to that $60,000 median salary in Houston. So, yes, for fresh out of college,

Starting point is 01:13:36 you are technically making more because they're around that 30 to 5 range, 30 to 35. Exactly. They will be to 60, you will be stuck at 40. I can get to 60. No, you can. No one will ever want to work with you, ever. And no one will ever want to date you,

Starting point is 01:13:50 which is why you are jealous of someone else who has a man that pays for things. When I get my girl a dice and air wrap, you'll be jealous because I paid for it and I paid for it with a budget that I have and finances that I manage. Well, I still have a Dyson Air Wrap. You have debt for a Dyson A Wrap that you still have. I have it, though, don't I?

Starting point is 01:14:09 And you still have the debt. That's fine, but I have a Dyson Air Wrap. Yeah, you can't move out of your own house. Shut the fuck up. What card is this? Premier. Premier card? Yeah.

Starting point is 01:14:23 We already talked about Premier. Is this a different premiere? There's two. She has two of every. She's insane, man. They offered it to me. How could I say no? Oh my gosh.

Starting point is 01:14:35 How can I say no to an offer like that? So you will literally take any drug that someone offers you. Not any drug. I have morals. But you have no advocation for yourself. You open this a month? And it's a $703.67. Minimum monthly payment, $300.

Starting point is 01:14:57 What's the limit on this card? Or minimum fee payment, $30. What's the, what's the? What is that? 700. She opened it a month ago, and she's over the, she's over the credit limit. Oh, I'm so close to just ending this one.

Starting point is 01:15:15 I'm so fucking close. I'm sorry, I'm sorry, I'm sorry. But I bought clothing for my interviews with that card. Do you buy a piece of clothing twice a day? Do not try to adjust to. I had to buy corporate girly outfits. You just need to fucking buy an outer shell and accept your life. That's just what you got to get.

Starting point is 01:15:39 Just put on the shell, get in the water. that's where you belong. You're just going to TJ Max Taco Bell in reach Marshall's premier nail bar not worth it. Mr. Car Wash, you live in Houston it's not our desert, it's not snow,

Starting point is 01:15:58 there's no salt. I have a white car. I have a white car and it's brand new and I want to keep it looking clean. And you're talking green. And seeing your boyfriend, you always prefer the white versions of everything. So that doesn't surprise me, but also, who cares?

Starting point is 01:16:11 I want to keep my car clean. That's why I'm going to go to the car wash. That's why I have a car wash membership. Who cares? Do you want to move out or do you want your white car to be spotless? Who cares? I can have both. No, you can't.

Starting point is 01:16:20 Obviously, as in you're not doing both right out. You obviously can't, though, or else you'd be doing both, lady. Today we helped a... Latte per Sam. Coffee shop, get an insurance quote simply and easily. And made sure... A floral delivery van was able to make someone's day. We're the Hartford, with decades of experience ensuring millions of unique small businesses.

Starting point is 01:16:42 When it comes to your small business insurance, one size absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. Exactly. Cash app, $66.95. Charlie's Philly Stakes. Charlie's Philly Stakes, collectible dealers? Had to buy a dress for the wedding. Some restaurant it looks like.

Starting point is 01:17:15 A monthly fee of $8. an annual fee of $79. Oh, this fucking card. Wait. Oh, okay. Wait. Pull it up. Pull it the fuck up.

Starting point is 01:17:28 I don't know how much interest you're coming. I don't care. Actually, just keep it. You're losing interest. This is, what a fucking joke. Just, it's so stupid. It's so stupid. Capital one.

Starting point is 01:17:39 Great. We have a Capital One card. Don't not that bad. It's only $300. It's only $300. It could be worse. Shut the fuck up. It's always go.

Starting point is 01:17:46 What the fuck up? It's only $307 because the limit is $300. That is the third card that we are over the limit. Shut up. If the limit was higher, you would have made higher. $25 minimum fee payment. $7.56 of inches accruing. She purchased on it. She fucking purchased on it and it's above the limit.

Starting point is 01:18:04 What a joke. Fifteen months to pay off. It's for Freddy's steak burgers and fries. I was hungry. You're always hungry. And it's Taco Bell the next time. Yeah, this diet's going real well that she brought. ragged about.

Starting point is 01:18:17 I just started. Everyone just starts everything a day before they come on the show. Shut up. If you do it three months from the show and the entire time, leading up to that three months since coming on the show, then I will respect it. Do it three days before coming on the show? No.

Starting point is 01:18:33 That means nothing. It's at a 29.49% interest rate. I just don't understand how someone could be purchasing on a car that is above the limit, that is accruing interest that we can not fully pay off when we want to move out. This makes no sense. This makes no sense. That makes sense. I'm just a hungry girl sometimes, you know.

Starting point is 01:18:53 I go to work. I get hungry during lunch, you know? And so I go and I buy myself food during lunch. You were born and raised on TikTok, and it has ruined you. It has ruined everyone like you. You have no idea. You have no idea. Your life is going to be miserable because you think this is cute.

Starting point is 01:19:13 You have no idea. The rest of your life is going to be... Because you think it's cute to just be a hungry girl. It's not cute. Your life is ruined. You're done. And I'm almost done. We have another over-the-limit credit card.

Starting point is 01:19:32 First community. I'm not even shocked anymore. It's just so sad. We owe $1,011.3 cents. With a minimum of payment of $30.33. She purchased $8.73 on this and it has a limit of $1,000. Take seven years to pay off this $1,000 with the minimum payment only and no purchases. Seven years just for that.

Starting point is 01:19:59 $14.69 of interest accrued. I'll pay it off before then. You are above the limit on multiple cards and there has been nothing that has even been close to paid off. That is a lie. Shut the fuck up. You've had a late fee this year so far. There is no way. I will just pay this off.

Starting point is 01:20:15 Shut off. Shut up. Shut the fuck up. And you're getting busy B. Boa? Boba's good. It is good. You can't afford it. I love Titi. You know,

Starting point is 01:20:27 Tai T from busy Boba is really good. I love it too. I moved out of my house. I moved out of my parents' house. I can do it. I have an adult. I can do it. No, you can't.

Starting point is 01:20:41 You're a child. You're a little baby. Okay, fine. Enjoy your Pokemon cards on Boa. Live with mom forever. That's it. That's the alternative. That's the alternative. What is this? This is a pink card, right?

Starting point is 01:20:52 Victoria's Secret. Oh, man. I'm just, I'm so close to just being done. You owe $47. You have available, I mean, yeah, it's $150 limit, so that's why you don't have much on here. $47, $25, fees, $2, minimum fee payment, $30. That's the fee minimum interest charge. What a card to have. 35.99% interest rate. What a dumb fucking bullshit card.

Starting point is 01:21:20 $7.53 of interest this year's so far. $4 of minimum fees charged this year so far. So stupid. See, that was not that bad. That was not that bad. Why would we even have this card? Who are you trying to perform for? You don't have any.

Starting point is 01:21:33 Okay, I got it years ago. It was like one of my first credit cards. And I just use it every now and then to purchase undergarments. And I just make one monthly payment over time. Your minimum payment is lower than you said at the beginning. Oh, wait. No, it's not. Oh, you only made a partial payment, so that's why you have to owe the rest.

Starting point is 01:21:56 Oh, and there's no way you haven't been laid on this car. I have not, actually. No, I'm actually a month ahead. I don't believe you. You're not a reliable source. I don't believe you. Where does the car again? It's a 2025 Honda.

Starting point is 01:22:12 HRV. Okay. $34,728. $7,76 is basically your month and income, certainly is after taxes. Minimity payment, $599.15. What's it worth?

Starting point is 01:22:36 Maybe like 20,000. 24. You're under water by $10,000. What a joke. You just bought this. What a fucking joke. I was upside down on my other car and I had to roll it over onto this car. At least it's a 20-25. If your entire complaint on the last car,

Starting point is 01:22:54 as you were underwater, now you're underwater again. So it's the same thing. So we may as well roll it into a 60,000. But I have a better interest rate, so it makes it okay. It doesn't make sense. You're going to be paying this. It doesn't make sense when your payoff term is February 21st, 20131.

Starting point is 01:23:08 That's insane. That's insane. It's 2025. 2031, that's what, six years away? We're halfway through this year already. You know what? We'll be there in no time. Even with a low interest, right?

Starting point is 01:23:22 The amount of interest that is going to be accruing. for six years is disgusting. You're going to lose so much money and then the depreciation, you're definitely losing money. Well, that's why I pay it every two weeks to make the interest at least like a little bit lower for each payment I make.

Starting point is 01:23:40 Listen, well, let's see how you do it. I don't know if the way you're doing it works correctly. That's an insane debt. That's an insane. Oh, you have student loans and you're never graduated. Do you have payments on these? Probably, but honestly, I haven't looked at it. Do you have minimum set up?

Starting point is 01:24:02 You don't owe much. It's $2,790. Your minimum payment would be low, like $25. I mean, I don't know. I've never, like, I've logged into the website, right? But, like, they've never, like, sent me something saying, like, I need to start paying. Well, they will garnish your wages if you don't. I don't know how it works.

Starting point is 01:24:24 She has negative $30 in her checking account. You're never going to move out. You're done. You're done. My gym fee hit. I forgot about it. And it overdrafted my account. account.

Starting point is 01:24:44 Yeah. My gym. I forgot that I had to pay that. And, you know, so it made my account negative. You started with $30. If you start with $30, you're already pushing it. He got fucking honey farms and Oala and zip installments bagu, Dutch pros, Spotify, Michael stores, Apple, Microsoft, Amazon Marketplace, Alley Express. Can you fucking Alley Express? I got outfits for my book. Boo Boo. From Ali Express. Yeah, they were cheaper there. Shut the fuck up. Dazio.

Starting point is 01:25:17 Tex-Mex, Goodwill, Sonic, Fortnite, Philly Cheese Stakes, Academy Sports. This is so fucking stupid. Oh, here's all your pay advances coming in. $60, $45, $25, $20, $11. $1.69, $2.96, $2.20. $0.50. $55, $45, $40, $20, $57. What? Apple Cash. Going in getting some BS. Mr. Car Wash again. Dutch Bros. Taco Bell. Zip.

Starting point is 01:25:57 Five below. Philly cheese sticks. For the diet person, she's eating out every second of her life. Marble slab, creamery, zip, affirm, zip, Zell, Chick-fil-A, Philly cheese steaks, going in and getting some liquors, zelling out money. Raman. Barnes & Noble, Kung Fu Tea, little bubble. Waterberg. Burger at pay later. Zip, Taco Bell, zip, zip, total wine and more zip. Yeah, drink away all your pants offering. You were negative 40 at one point. And then your easy tag hit.

Starting point is 01:26:29 Don't take tolls. You can't afford tolls. But it makes me get to work so much faster. I don't care. I drive so far. You're overdrafting with it. It's 30 miles to get to work from my house. You're overdrafting with it.

Starting point is 01:26:43 If you're overdrafts and we don't get to do tolls. How many over drafts have you had this year so far? do you even know? Not that many. Pull up your checking account. And only recently started. And only recently started. Pull up your checking account, you fucking person.

Starting point is 01:27:00 Just listen to me when I say things. Oh good. Capital One savings. 72 cents. Oh, we paid for a zip in there. And Verizon Wireless. What a joke. $2,314,000 in retirement. Surprising.

Starting point is 01:27:20 So weird. You and your health savings account talking on this. It's so weird. It just makes no sense. Okay. It was your first overdraft this fee this year so far. I got it reversed though. I got it reversed.

Starting point is 01:27:34 Honestly surprised to see that. But look how we're starting. Now it's starting. That's the only time I've gotten. Look where you are. Everything's maxed out, over maxed out, except for the Victoria's Secret, which is only takes like another $40, 100 bucks to get maxed out. You have no wiggle room.

Starting point is 01:27:49 You take tools. You don't care about your spending. You just go crazy. The fucking boo-boo, boob. Pokemon, Boba, Waterburger, Chick-fil-A, everything. Go in and getting some liquor. You're just, it's so fucking moronic. You are going to overdraft again.

Starting point is 01:28:04 You are going to overdraft again. There's not a chance you don't. It's only happened to me once this entire two years. So you know what? I think I'm doing relatively fine. It's the first time. Having a job, I guess. Okay.

Starting point is 01:28:17 I'll see if I can even make a bunch. I don't even think you're worth it. No offense. You work the time and energy? Clearly the last guy said no. Okay, minimum payment's a long. Buh. Buh.

Starting point is 01:28:33 Like $1,109.76. What's your car insurance? $280. Gas? 30 bucks to fill up. How often you tit? Once, twice maybe a week, depending on how much I've driven. Okay, we'll call 45 times 4.

Starting point is 01:28:55 180. Say on average. Phone bill. $150. Okay, pay off your fucking phone. Dude, it's so fucking stupid. Do you have any rent or anything, utilities or whatever to the parents?

Starting point is 01:29:08 Are you just being a leech? Not yet. I'm going to start. I'm starting around August. August, how much? $450. Okay, $450. We'll budget to the end because August is right around the corner.

Starting point is 01:29:20 Groceries, $300. Use our budget-friendly cookbook. If you want it, you can't purchase it, but sign up for the trial of dollar-wise. then take the annual version and I'll sign it and send it directly to your door. The budgeting that version of dollar wise. TPP fund, $100, anything else you need to survive. Subscriptions.

Starting point is 01:29:35 I usually like to put in $15 bucks these days. Do you have any pets? My parents have cats. What's your gym? 25 biweekly. Biweekly? Okay, 50. Medical health care.

Starting point is 01:29:48 Any co-pays on a monthly basis? Go see special help? I mean, I go to get my annual, like, eyeglasses. It's just annual. Okay, nothing on a monthly basis. No prescriptions, no nothing. Okay, when she stopped the CVS is bullshit or she had an SDD, we don't know. So I'll call that out.

Starting point is 01:30:04 That was like a $30 thing you did at CVS earlier. What else? Anything else? That needs to be in your budget? Speak now or it's gone. So no? I can't think of anything. Nothing else?

Starting point is 01:30:15 Great. You're underwater by $134.76. You're never going to be able to move out. I mean, I just, I'm sorry, you're a leach, you don't care. You think being just the girl is so cute. Your TikTok brain, you're ruined. I'm annoyed that I wasted this time on you. You're a joke.

Starting point is 01:30:38 I'm sorry, I'm sorry. I know I'm being mean, but I'm also just not going to, you need to hear it because no one's ever told you. What you're doing is not cute. What's you doing is not nice. What you're doing is not funny. You're a joke. You're disgusting.

Starting point is 01:30:49 You'll never have independence. You're never going to be with someone. You'll never get a better job. you will never increase your income unless you actually change your behavior. And that is the big recommendation from this conversation. If you change your behavior, if you change your on, I'll look on life,

Starting point is 01:31:07 go take some therapy and accountability, actually deal with it in a mature way. I can see you potentially getting a better job. I can see you interacting with people in a more healthy way. Until then, I don't know how to do it. And I think you're going to be living a home forever. and thinking you're cute, collecting your little figurines.

Starting point is 01:31:27 You got nothing, and I'm sorry, because that's the reality of the situation. And I'd rather just tell you the reality than people can enable you like everyone else in your life has, because that's not going to help you. I'm going to give her financial audit, or her Hammer Financial Score, but make sure to join us in the post show

Starting point is 01:31:46 with the link in the description or pincommon below. Join the Hammer Elite version, by the way, thousands of hours of extra content. Right now, by the way, If you join it, we're covering the cost. So all you have to do is join Hammer Elite. Then go to Hammerelite.com, show your proof of purchase there. And then I'll send you a $10 digital gift card that can be spent anywhere in almost any country,

Starting point is 01:32:08 except for like North Korea and Russia. And yeah, join that. We have three shows that get posted every day, Monday through Friday. It's incredible. It's the best YouTube membership in the history of YouTube. YouTube has told us that themselves. Don't miss out on that extra content. Hammer financial score.

Starting point is 01:32:24 Spending in a budget score. Did you even? Oh, yep. She overspent. She brought in $2,592 and spent $4,644. Spending in a budget score 0 out of 10. What a joke. Debt? Horrendous debt.

Starting point is 01:32:40 No collection is no IRS debt. But for your income really bad, so 1 out of 10. For your income, it's actually horrendous. It's disgusting. It's horrible. I don't know how you're going to survive. I'll give you a 2 out of 10 to be generous. Emergency fund.

Starting point is 01:32:50 Nothing is saving 0.10. Retirement. Okay, let's assess. Where do you want to be? I have something in there. I'm doing. Something in there. It's not like I have zero dollars in my retirement.

Starting point is 01:33:00 I invest one percent of my paycheck into my retirement. That's better than nothing. That's better than nothing. I'm doing fucking math of where I'd want you to be at 22. So just shut up. Shut the fuck up. You're actually halfway decent for 22 with growth. If you keep putting in, I don't know if 1% is going to get you there,

Starting point is 01:33:20 but you're at least that a at, at 20. 22, 7 out of 10 getting started there. Real estate, zero out of 10. I didn't see an HSA. Did you blow it? Is it gone? No. Technically it's an FSA.

Starting point is 01:33:35 Hammer financial score rounded up and you're lucky by that automatic retirement contribution that you don't have to do anything to do so you're not going to fuck it up because you're already just set it up and it's automatic, which you should do for all your minimum monthly payments. Hammer financial score rounded up to a two out of ten. You don't really deserve that, but you do get it mathematically at least. Jordy's for the post show. Make sure you download the dollar-wise budgeting app if you want to take it. control your money and join dollar wise central if you want to take all of our educational programs for much lower cost and purchasing them individually see in the post show told me that if i pegged him

Starting point is 01:34:03 he would buy me an i was he thinking sometimes he wasn't really that clean you know was he laying down was he standing up um all fours he took back shots he took back shots okay can you pull up the picture again oh get in okay um exclusive members content Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute.

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Financial Audit - It Finally Happened.. | Financial Audit

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