Financial Audit - I've Never Met A Woman Like This | Financial Audit

Episode Date: December 18, 2024

Worry less about your credit and enjoy the holidays more with Kikoff. For a limited time, get your first month FREE. Go to https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! The credit building debit card: The first 10,000 people to sign up for Fizz with code: HAMMER10 get $10:https://www.joinfizz.com/caleb Now available on Android! (paid ad) ▶I do it... I call her *mom* and confront this INSAIN situation... no one could predict how crazy this was going to be, watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Join us for the first-ever Financial Audit live in Austin, TX: https://calebhammer.com/live ▶Bundle my budgeting, debt + investing program for *15%* *off* : https://calebhammer.com/classpack/ ▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: 1) Bundle my budgeting, debt + investing program for 15% off: https://calebhammer.com/classpack/ 2) The best budgeting program online: https://calebhammer.com/budget 3) Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 4) Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2) Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 4.6% on uninvested cash + an additional 3.5% APY Coupon for 3 months for new users!! Terms & Conditions Apply 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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 usaa.com slash bundle. Restrictions apply. Lots of places can expose you to identity theft. Oh no. That's why LifeLock monitors hundreds of millions of data points a second for threats to your identity, which is way more than anyone can do on their own.

If we find anything suspicious, like new loans or changes to your financial accounts, we alert you right away. All through text, phone, email, or the LifeLock app. Get the alerts that could make all the difference. Save up to 40% your first year at LifeLock.com slash special offer. Terms apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. Your parents are enabling you, and it's, it's, you don't even know. You need to have your ass hit the ground.

I mean, I kind of have a reason. You got it's Starbucks. Every day. Your reason. No reason. I'm the youngest. Yeah, you have kids, so I don't give a... I don't know who you think you are and why you think your life and your sweet treat is more important than your kids. Financial Audit Live in Austin, Texas on February 22nd. Go to Calebhammer.com slash live or check out the link in the description below. Hi, my name's Sabrina. I'm 24 years old. I live in Austin, and this is Financial Audit. What do you do here for a living in Austin? I work at Zimmy. It's, it's like a skate retail. shop in the mall. Yeah, you would look like that. Okay. I would have thought vans, you know, one of those.

Yeah. And what do you make in this position? What's your, what's your position at the retail place? I'm an assistant store manager and I make $15 an hour. Okay. It's a little low for the Austin area. Yeah. I'll be honest. Lots of entry level jobs, even at like coffee shops like 16 even and you're an assistant manager. How many hours a week are you getting? 40. Unless I work more. I do work more. You get overtime? All the time. overtime, though? Do you go overtime pay? Yeah. What is it?

It's a time and a half, like normal overtime. Okay, very cool. So what do you work normally? I'd say an average of like 45. Okay. Yeah. 15 an hour. How much hits your account on a monthly basis?

Average, like 1,200 on a good check, I get like 13 to 14 because I make commission too. Oh, through selling some certain things? If I sell like more than $250. Okay. And I'm pretty good at it. What do you think came in in this last month? Just payroll. Just, just money from?

I think like $2,500 somewhere on there. Maybe $1,000 more than that. Really? This money. Wait, how do you not know? It was within your most recent statement. Is it the child support payment too? No.

No. But obviously. So you have kids. I do. $15 an hour with kids. How many kids? Kid or kids? Two kids.

Multiple kids. Ages? Five and three. Okay. So you had a kid at 19 and then 21. Okay. So child support, that means you are no longer with the donor. No, we're divorced, yeah.

Divorce. You were married already. My goodness, where am I at 29? Am I losing this game of dating? Obviously. You're good, I think. You're good, right? Okay.

Okay. Really? So what comes in child support? 835. Why don't I have 1,0009? Your numbers are all different. I know because something went wrong with his bank at his old job and then he transferred it to a new one. So they sent me like a random payment. You say normally that hits your account for payroll is about $2,500. Yeah, I'd say.

How do you live in Austin with two kids on $2,500? Well, my fiance pays for like a good bit of our bills. I pay half the rent and then whatever else I can help with, like my car payment. If your fiance is paying for a good half of the bills, why are you overdrafting? Why are you missing payments? Why is everything here beyond? Not to the level of, oh, it's because I have a lot of bad debt. No.

Late payments overdrafting. It's beyond. Why? If he's taking care of some of the payments, or you guys way over, she, okay, if you guys are way overliving. I spend a lot of money. It's spent a lot of money. I like to spend money.

Uh-huh. So you say $2,500 hits your account. You feel confident about that number because, again, I had $35. So you feel confident that normal is $25? A payroll. Yeah. Well, yeah. Yeah.

Just payroll. It was a three paycheck month. That's why. It was one of those rare three paycheck. Yeah. That's why. I am getting a new job. though that pays more.

Oh, what? It's something and another retailer in the mall. Not a skate shop, but like more cash. What are you going to be making? 18 an hour. Wow. Overtime? Yeah.

Commission? No. No commission. Is it going to make up? I think so. I don't make really that much commission during the down period. So it's definitely going to average out better. Okay.

Yeah. I mean, that's a good little jump. Yeah, especially because I like to work a lot. Your fiance takes care about the bills. What is your fiancé? do when are you guys getting married uh she's in tech and i don't know when we're going to get tech so she probably makes money yeah she makes me money what are you guys doing what is like your guys is like what do we do with our money are you guys are you guys so we have a together account and she has her own account

and i have my own account and we have like a together like savings account and that's where our bills come out of and i bills comes out of savings yeah does that make any sense you're literally overdrafting in your checking account. Why would bills be coming out of savings? And if bills are coming out of savings anyway, then why are we overdrafting if bills are coming out of savings? Well, that's where I know there's going to be money for sure in the savings account. So I had the bills come out.

Why do we need multiple a trillion different accounts? Because again, we are overdrafted and missing payments. So why do we need to overcomplicate? It's like an organization. Like the bills come in. Yeah. And how's that organizing doing? Usually we organize so that we accomplish some money.

kind of goal. Yeah. Well, the goal was that if I keep it in that account that I won't transfer it out to spend it. But then I just transfer it out anyway. To like to spend it checking. To my spending checking. We should have spending checking when we have two kids in a mountain of debt and we're missing payments. I, I, it's not realistic for me to not spend any money. I'm not saying that, but you have a whole fucking spending account. Yeah, that's just what I call that. That's different. That's different. The spending account. The spending. it got that you're overdrafting. Yeah, but I put it in there after overdrafts.

Like, they get overdraft notifications. So then I, like, put it back. Why wouldn't you spend only the money you have? I'm confused. Well, I have it. It's in a different account. No, then why? Then we need multiple.

That's what? I'm a nervous laugher. Uh-huh. A giggler. Yeah. Okay. You're not a giggler. Huh?

You're not a giggler. Now when I'm talking about someone literally fucking their entire life. You have kids. This isn't about you. I know. That's, I like it better. This isn't some cutesy little thing.

Yeah. I just, I have a problem with spending. What is your, okay, 18, that's not bad, but Austin is the most expensive city in Texas.

What is your desired career path? Because I don't, like 18 is going to be hard to survive on two kids. Yeah. I mean, I want to continue in retail. Why? Specifically,

that's okay, but why? I really love talking to people, like in getting to find what they're looking for. Okay, going on. Like, I'm fine, like something that makes them feel good and outfit that makes them feel good and

like selling stuff that I believe in. So like I buy a lot of clothes. Sounds like maybe you could do sales and make much more. I mean, it's sales. Yeah, but sales sounds like you could do sales and make much more. Yeah. Like normal sales. But I don't want to sell like a car and then not be authentic. I'm not saying I'm not saying sell a car. There's a lot of things. You could be, listen, I'm not saying it's sensitively wrong. This is going to be really hard to get the head, especially with the mountain of death that you got yourself in. Yeah. Because I, I am so lucky to be in a position where I'm able to connect you with so many things. I can get you a course careers certification for tech sales.

Then you can work in tech, just like the fiancé. You know, there's a lot of different things, but you can go a lot of different places. We could do a customer service one. There's a lot of different things where you're talking to a lot of people and you're not stuck at 18 an hour in the most expensive city in Texas. My dream is at my own salon, like be a customer. That's completely different. Yeah, completely different.

So what the fuck are we doing then? Well, I can still talk to people. And then why are we trying to do? Why are we first in our cell? to stay in retail if that's our dream. Because I still love it. Okay. Like right now that's why I love to do.

Eventually I would love to do hair because I cut my friend's hair and stuff. Let's say 3,000 is going to come in, okay? Okay. Through the new pay, there everything. All right. And then 850 was it? 850 for child support? Yeah, 850.

Okay, so 3,850. Cool. How much did you spend in this last month? I don't even know. That's not an answer. Probably like, close like probably two grand. You spent two grand this last month?

Probably. It's a lot of money. Yeah. Yeah. You spent 8,319. So what the fuck are you talking about? You don't know a single thing about your numbers, obviously. 8,000.

Yes, $8,319. How in the world could you be off by $6,000? That is crazy. How possibly? And not even that, but it's more than double what you're going to make. It's your new job or on a three paycheck month job. plus child support. Money from the daddy.

Well, that's all credit cards too, right? Dude, it's all spending. Yeah. It's all spending. Yeah. Well, I had opened a new credit card. You just opened a new card. Why would you be opening a new credit card?

Two kids. Two kids. What's your retirement looking like? What's your retirement looking like? You've been in retail forever? So I have, I was in restaurant management before I went to retail. Okay. And I had a retirement fund with Panera.

when I worked there. And so after that, I stopped working for a little bit whenever we moved here. So the kids stayed with the kids. And that didn't work out. They got some like a worst position. So I started working again. And then I don't know where that retirement fund was in. Contact.

Contact Parnara. See where they're corporate. Yeah. Just see where their 401Ks are traditionally managed. And then they'll get you in contact with that management company. Yeah. I don't know how to move that over. Okay.

So are you telling me there's probably. like a thousand dollars in retirement it's like closer to three thousand dollars in retirement okay okay but you're opening the brand new credit card yeah so instead of trying to make any progress towards any kind of extra because you're not contributing to retirement now are you at the skate shop how long have you been at skate shop for like seven months uh-huh so where are we opening a new credit card when we're not even contributing to retirement so i we have kids i wanted to get the shoe rack by the front of my house um to put like the kids shoe shoe in. It's like an organizer to put the shoes in because like they were just thrown.

We don't retire so that we can organize shoes. Well, I got it. I was thinking that I was going to do like a payment plan on it, like a clarina. Why? Because the shoes were a mess. They were all right. But your debt's already so out of control. Why does I have to be then instead of spending the money that you make? Well, I always think that I'm going to put like a bigger purchase on the card and I'm going to slowly pay it. So I don't have to pay it all like out the boat. Do you know, do you understand interest? Kind of. It has zero interest for six months.

Oh, that new card. Yeah. So you're going to pay off something. You made it sound like that that's just how you use credit cards. That is how I use credit cards. Do you not understand interest? No, not really. Explain interest to me.

Okay, so you sign up with an interest rate and then if you don't pay off your balance, they charge you the interest for the month. Kind of. I mean, yeah, it's amateurized over the year down to the month. Okay. So either way, I'll explain that when we actually get to one. How much was the shoe rent? $195.

We opened a credit card to make a $195 purchase. Well, I also thought that having a higher credit like utilization would be good for my credit. It has, but not if you used the entire fucking thing. I wasn't planning on using the whole thing. You weren't planning on using...

Wait, you ended up using more than just $190.19. Whatever? Yeah. That's where a lot of spending is on. Well, I mean, that makes sense if we're literally spending double of the top side of fucking income. That's not funny.

No, it's not. Okay. So what? So we went to Vegas. No offense. In what world? In what world can you afford to go to Vegas? Well, you're not entitled to go to Vegas.

You're not. It's the when we were young concert. The when we were young concert. The Vegas concert. I've never heard of that in my life. It's all the emo band. Yeah, we do it every year. It's all the emo bands that, like, we listen to us, teenage.

Why do you think that you can go? Well, we did a lot of it on the firm in Klarna. so that we could pay it off slowly. And then... Who's a we? Me and my fiance. I thought they made fucking money. They do.

So they, that, I'm not convinced that them making money is actually even like beneficial to them. I have a feeling if they're talking about clarnie and all these things, I have a feeling that they're just, they're just financing and doing all these extra things even more than you are. Not more. I'd say... Then why are they even doing it? You have cash. Well, we didn't have any cash available. Why wouldn't you if you both are working?

Well, we were planning on not going. You couldn't get $195 fucking shoe rack. She works in tech. And that's at least a third of your, you know, hours. Well, so it was kind of that mindset of like that we put it on there and we can slowly pay it off instead of just paying it all up for. Why did you not have the money is what I am asking? I probably spent it. Okay, what about your fiancee?

A lot of bills, I'd say. What's a lot of bills? What are we doing? What are the bills? What is our situation? What are we looking at today? How about that? Just what the fucking?

Okay. No, not even to the beginning. I want to know, what are we looking at today? Okay. So we have our rant that we split. And then it's 2300. I'm not asking for numbers. I'm just trying to figure out.

Where are you? Just like what is your situation? I have an impulse spending issue. Okay. This seems to be the issue with every single person on the show. If you recognize it, what are you doing to counteract it? I'm scared to look at it most of the time. Why? Everyone says that too. Well, I get overwhelmed looking at it.

Like, I look at it and I'm like, I get panicky and a little overwhelmed. Really? You get all sweaty and stuff? Okay. Now, I understand not looking at it because of like, yeah, it causes a lot of anxiety. But why does that mean that we continue the worstness that caught? I'm just used to it. Yeah, but if you know, if you look at your accounts from the history of this last month with your bad behavior that it would cause anxiety, then why continue that behavior?

If you know the next time you look at your accounts, it would cause anxiety. Maybe instead, we change the behavior for a couple months and then we feel more comfortable looking at the account because we know we've been doing okay. So I've tried to do that where I'll get really good and then I like deprive myself of any kind of spending because I don't know what it's. You're not saying go fucking believe it. Well, I don't know what a good spending budget is. Like, I just don't factor that into when I'm looking at my bills and everything. I'm like, no spending, no spending at all. And then I do spend, of course.

So we end up back here. And yeah, I try to do it. And I deprive myself. And then I get crazy and I buy a bunch of stuff. I'm obviously going to put you through our debt program, our budgeting program, to teach you the skills of how. how to do that, but you have to do it on your own. You have to take the education. You have to take the quizzes. There's a lot of things we're going to do. And for the anxiety part, I can do

three free therapy sessions with Sondermine as well. I go to psychiatrists. Well, there we go. But we can get you three sessions if you want as well. They can help focus on the money part. There's, I think, discount for the audience as well. There's a lot of different things we can do. There's a lot of different resources I have connections with that we can hook you up with. But you actually have to put in the work. You have to put in the work of talking to therapists about your issues when it comes to cutting back to zero. If you're not willing to look in an account and you're not willing to address whatever issues as a why you're not willing to look at an account, then we are never, ever going

to fix this. It is simple as that. It's never going to be done. If you are too afraid to ever get on there. Well, it's not just fear too. I also don't have a lot of free time because I work a lot. So you work like 45 hours a week when you work your normal week. I have kids at home too.

So, well, yeah, they go to bed. Yeah. And I have to go to bed because I have to work in the morning. For all of you that are spending a little extra around the holiday season, don't make this mistake. Between all the gifts, tramble, and gatherings, the holidays are a wonderful time of year. Tell you, wake up and start to feel the credit hangover. So don't fall into credit death and take the headache out of building credit fast

with today's sponsor, Kickoff. Kickoff is the number one credit building app on the App Store with over 100,000 positive reviews. 98% of them being five stars. Trust me, it's perfect for you guys because so much. many of you are trying to fix past mistakes or just start building credit from scratch. Whether you're aiming to get approved for a car, a home, or just a better financial opportunity, kickoff makes it simple. My personal favorite part is you can sign up in minutes from your phone, and the app interface is super easy to use. Even my grandma could get on board.

Kickoff lets you start improving your credit immediately, all for just $5 a month. No credit checks, no hidden fees, and no interest. It's simple. Make on-time payments. Credit Bureau C, good behavior ramp, boom, your credit grows. You can build credit in your sleep. With auto pay, you never have to worry about missing a payment. And if your credit is under 600, you could jump up like 28 points in just your first month. So don't worry about your credit and enjoy the holidays more with kickoff. For a limited time, get your first month free. Go to getcicoff.com slash Caleb today. Hurry for a month of free kickoff without the sea. Get K-I-K-O-F-F-F-F- dot com slash Caleb.

Must sign up via get kickoff.com slash Caleb to activate offer. Offer applies to new kickoff customers, first month only. Subject to approval, average impact to 28 point increase in first month based on Equifax vantage score 3.0 changes for kickoff customers starting credit below 600 who make their first on-time payment between January 2021 and March 2024. Payment and credit activity outside of kickoff can have an impact on your credit. Terms and conditions may apply. Offer subject to change and individual results may vary.

said, worry less about your credit and enjoy the holidays more with Kickoff. Head to get kickoff.com slash Caleb and get started today. Thanks to Kickoff for sponsoring today's episode. Let's go back into it. No, okay. What time do you wake up? I wake up at like, well, to get my son to school, I wake up at six. Okay.

Can you go to bed? I go to bed around 8, 30 or 9. You could push it to 10 and look at an account. You can also do it. I know you have a day off. Well, if I don't get like 9 on our assistance. I know you have a day off. Yeah, I've run a lot of errands.

my day is off. Uh-huh. And isn't 10 to 6? No, that's 8 hours. Yeah, I need like 9 hours of sleep. Even still, I'm not saying deprive yourself in life whatsoever, but even just putting them down for having them watch a movie or a show for a couple hours every other week, that allows you to start making progress of this, huh?

I know. I'm just saying you can find a couple hours a month, a month. I'm not saying a day. I'm saying a month. And if you're not willing to do that, then you're never going to do this. And also look at them when you do it, because guess what, it's for them? Yeah. Your retirement is nothing.

You're 24. It wouldn't be substantial anyway, but you're not on track for anything. You're not... Paradee present. Ojos with Alerjia and Picasson. Contra El-Gar-Dor-Gener. And the ganador is, Paradey, extra-forte. To alleviate the acyreire la piccason of the eyes for allergy,

act more rapidly and super a clarity and fronis to only at 24 hours. Parade. Adelante. You can advantage of any kind of compound growth there any kind. Yeah. I mean, I'm forgetful when it comes to that stuff too. What stuff?

Like budgeting. No, that's why you have to take the programs and go through it and stick to the education. But being forgetful, it's not going to do anything. Are you forgetful of your kids? No. Well, guess what? If you're forgetful of your budget, you are fucking them. So in a way you are.

Okay? Yeah. Right now, you're investing that is instead going to bullshit or going to Vegas or whatever it is and not in your checking account causing overdraft fees, not making you debt payment was causing late fees. That should be in your retirement compounding so by the time you're ready to retire, you have a couple million bucks, which you could do even at 18 bucks an hour we could get there if we properly actually took advantage of time. That's crazy. Amount of money. It is. But also you have to remember money is going to be worth about half what it is now by the time

we retire. But that's. Yeah. Well, the Vegas thing was a lot. There was a lot that went on there. What do you mean? So we weren't going to go at first. And then we decided that we were going to go because my chemical romance was going. And they don't tour often. They just opened a new tour, but they don't tour often. And they were playing the full black parade. So we decided that we were going to go. Kind of like on a whim.

It was like a month's notice. So we got the hotel on my PayPal card. And then my fiance booked the flight. And then I got the tickets on the Klarna. And then. On what? On Clarina. Oh, for me.

Yeah. Yeah. One of my best thieves. Clarina. But then, so we got to the airport. My friend dropped me off, and it was the wrong terminal. And there was a whole mix up with the tickets where we got there super late, not our fault, but we got there super late. It was the wrong terminal.

And so we missed that flight. And so then my fiance, saying that I was upset, got a new flight. Did you have to pay for it? She paid for it on a flight. Okay. How of that? I just, you guys, do you not understand just fucking money? Like the value of even a dollar?

Why are you financing everything? It is hurting you and then you end up missing payments. Well, if we had to use the money that we were going to use in Vegas, we wouldn't have any money in Vegas. Because you obviously couldn't afford to go to Vegas. If you have to finance to go somewhere, you can't afford to go. Well, it wasn't, we weren't supposed to have to buy another flight, too. You already clarned the tickets.

Yeah, we already had the tickets. You already clarned the tickets. You did not pay for them. You borrowed. We clarned the tickets and the hotel was on my credit card. Meaning you could not afford them. Yeah. How was this so complicated?

Well, we were going to pay it off. But and where are we in the world of paying things off? Missed payments over count. Yeah. Over drafting. Yeah. The tickets are paid off. The other stuff.

I haven't worked. When was this? This was October. Are you fucking? Okay. So this just happened, meaning I probably wouldn't be able to stop you from going to one in January. there was. S.

Self-assessed, where do you think you are today? Zero to 10 in a financial score range. Zero being the absolute worst, 10 being the absolute best. Where do you think you are today? Oh, like a wand? Yeah.

Is that accurate? Probably, we'll see at the end. I'll give you your real score at the end. But the thing is, if you know you're one, just take five minutes to look at your damn accounts even. I'm not even saying go deep death. Maybe you fucking tiptoe in until you figure it out. But just even understanding you didn't know how much came in.

You didn't know how much left. You didn't know how much you spent. I'm not saying go through every purchase, but you didn't even know anything. And that is so dangerous. Yeah. I mean, I just got that like dopamine when I spend money. Oh, I know. I know.

Everyone knows. Well, I started my new job too. And I didn't have like clothes that would work super well. Your new job? The one, the new retail job? And Jimmy's. So I didn't have a lot. In the fucking nine months ago.

Yeah. So, well, when I started that new job, I got clothes that matched the style because it's easier to sell if you're wearing the clothes that you sell. You could have got just a couple and repeated them endlessly. Yeah. Well, I went over how much I did. Yeah, no, that seems to be how you do everything. I did look into how much I spent and it was like four grand in the last seven months of clothes. A juice.

I got shoes too. Every once in a while I'll buy a gift from there as well. What? Because I get half off. You just can't afford to spend money. I don't think that's what so many people don't realize that end up in your position. It's just because you see a discount or just because you can see a justification of why it does not mean it. All of a sudden mathematically actually makes sense in the end.

You are literally missing payments. Well, I get half off because I make the top sales. Congratulations. And guess what? You make the top overdrafting yourself. Like you win that competition. too in your own life, all right? Yay!

If I don't laugh, I'll cry. So. Fucking cry then. Take it seriously. I can't. I can't. I can cry. I'm a cryer.

If I anti-depress, it's make it very hard to cry. But anyway. Yeah. If you watch your favorite financial score, it's free, link in the description below. And also feel free to come on the show. Austin, Texas.

It's a fun little experience, but I'll also get you some verbal punches and then connect you with a lot of resources and we'll figure out your financial situation. go to Calebhammer.com slash apply. Easy application. Sappal card, I mean, just a start is huge. For your income situation, it's huge.

I mean, it's your literal monthly income with child support and better job. That's crazy. Why the fuck is, why do you, why is this so high? Well, it used to be more. It used to be, I used to have a minimum payment of like $7,500 or a minimum, maximum amount. Yeah. Allowed spending amount.

That's what I was looking for. Credit limit. Okay. Credit limit. Thank you. Uh, of 75. Uh, and then I paid a good bit on it and they lowered my credit limit after I paid it.

Yeah, because you can't be trusted with it. You can't be trusted because you're not a credit card person. Uh, so, yeah. I mean, usually I use it to spend on because I get points back, like a cash back. You people. You people. That's going to. kill me. That is going to kill me. Oh, the credit card industry has this fucking won.

They won the war guys. I mean, they won. Well, everyone's the fact that you think you're getting it's 1.5% daily cashback is the apple card. I have the apple card. It's fine because every once in a while I need to get something in Apple look. I got a little Apple Watch. Woo. But guess what? You're an interest rate. What is it? What is it? What is it? What is it? You're 26.74. So you're getting 1.5% cash back. And then you're paying. an extra 25%. So what the fuck? It pays for like my little work, Debbie.

No, no, no, no, no, no. No, it is not because again, you are paying. Hold on. Do we have to, can I have the whiteboard? Can I have to wipeboard with a marker? I need to. I must have to draw this out. Thank you.

Visuals are helpful for me. 1.5 is smaller than 20. If both of these happen at the same time, what's the difference? 28 minus 1.5. What's the difference? You have kids. You teach them, what's the difference?

Yeah. Well, what's the difference? It's like the minimum. What's the difference? What's the difference? Yeah, it's smaller. What's the difference? Yeah.

28 minus 1.5. What's the difference? Oh, I'm not good at math. 28 minus 1.5. Take away one from eight. 26.5. Woo! I'm 24 years old.

So there's your, there's your Delta. You are getting an extra 20, 6.5% fee. Because every time people like you say, I'm getting money. And now you're trying to say, but it gets you your little drink, but it's not. Because again, you are losing 26.5. 26.5 is what you are losing. It is actually preventing you from getting more drinks. How much is a drink?

It's like 250. Okay, so. Next to my work. So $2.50. Yeah. And then I get Starbucks in the morning. You get Starbucks every fucking morning? Every morning that I work.

And you probably work five times a week? Yeah. Okay, someone needs to shoot you. Well, you get good rewards too. Like, you get a free drink. After her, after you spend what? It's 100 stars. Every star dollar, so $100.00.

So $100.00. And. A hundred. A hundred. You spend $100 and you get like $2.50. So you get like, uh, 2.5%. So you get an eighth. Okay.

So you get like a little 8% thing. A little, a little 8% for every hundred you spend. Right? Right. Well, you do the reload on the app and then, um, you reload like the $10 whenever you order on the app and then you subtract the drink. And then eventually girl math, you get a free drink.

Oh, shut the fuck up. That's a joke, right? You're not actually girl mathing. No, it's a joke, but it's true. You get like a, you get an extra drink where you don't have to reload that day. You don't understand. The thing is, so, okay, so it's what. Yeah.

You get a free drink. Oh, yeah, I'm between like multiple examples right now. My brain is not $8 a drink, so you get 12 drinks. You get essentially 12 drinks. 12 drinks. I could get you 12 cups of coffee at home for $10. $10. I don't get this.

sleep as much. I make coffee at home. Huh? I have to stop to Starbucks before you get to work. That takes time. Well, what the fuck are you talking about? And then it's like,

are you ready to get it? But you still have to wait whatever line is there. What the fuck are you talking about? You could have to, hey, you could have the pre-brew coffee. You could set it up the night before. Or you can even fucking cure I get.

You can still get 10 with it. Well, a pod can't be. It's like 50 cents a pod, right? You know how much you're saving? What's bigger? 50 cents or $8? $8. Uh-huh.

So you have to spend $166.67 in order for that 1.5% to equal one of your $2.50 drinks at work. Okay. Okay. Well, I... Right. Right. Right. Yeah. But actually, every time you spend that 166.67 over the course of the year after the delta of the 26.5% interest rate, right, is what we agreed is in between, right? Right. Correct? Right. Are we following? Yes. It's really not. You are literally losing $44. That's what makes up like the minimum payment.

Again, to you, you think you get $2.50 after $166 of purchase. You're actually losing $44. Let's do this over the course of a year. Oh, we're a year. That is 17.5 of your drinks of work. 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 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. If you actually did not purchase on this card, you'd be able to get 17 more drinks at work. I don't always buy on this. Does that make sense? Yeah. I'm trying to make the math work for you. Do you understand that because the 28 is larger than the 1.5 with the 26.5 in the middle, with the money you are losing purchasing on this card that you are getting free stuff, you're actually losing your ability to purchase 17 drinks that you could have if you just used cash.

Does that make sense? I never carry cash. A fucking debit card. Come on, dude. What's Apple? It's Apple. It could be a credit. Debit card.

A debit card you could. You can also put debit card on a fucking Apple pay. Yeah, I do have it on there too. But it takes longer to... Then it would be that. Why'd you have to say that then? Because it takes longer to transfer it from my bag. Oh my gosh, who gives a who gives a f***?

You're going to use one account instead of making things are really complicated for every single but, but, but, but, but you say there is a simple solution. There's a simple solution. I feel like it goes a lot faster if I keep it all in my head checking because it's like readily available. Oh, I'm going to give this back to Mama Lindsay because I'm just going to keep hitting it. This is ridiculous. That's crazy. Jake is telling me, if you like espresso, if you want to make a little special, pretty little drink, you can get a mocha pot. for 15 bucks and it's close enough there you go a what mocha mok a pot i don't know but he knows

and he likes coffee yes and you can put in you can froth you a little milk can get a little frother for five bucks i have a espresso i'm gonna punch a hole through this table they have the good syrups you don't give a shit the kids i do no you care about starbucks more no yes that is what you're doing it's at no you care about starbucks more you care about Starbucks more you care about about your sweet little dopamine hit. Then their future. They could have a, they could have a college fund. They could have a college fund.

Their mom could retire without having to go to their kids saying, I can't afford to live. I need help and having to put their lives on hold in order to take care of you. You're actually choosing you getting Starbucks over them. That is how it is actually working out in the end. Do you see them in the moment? Absolutely not. But that is how it is working out in the end.

And that is what you are doing. Yeah, I want to do better for them. I really do. Okay, then why haven't you? It's hard. It's hard. It's hard to give up the little things. Yes. Yes.

Positive things in life. Positive outcomes. Big goals. They require hard things. They require some sacrifices. Yeah. Okay. Okay.

I will allow you to use the FIS card. It's another one of our resources. But at least it's a debit card that builds credit. You talked about utilization for one or credit age, whatever you mentioned. and if you're going to use something, you can use that because it helps build credit, but it only allows you to spend what's actually in your checking account. And we know that you cannot manage for a single second

what is in your checking account. So it'll at least do that for you. Yay. It's a Fizz card. Is it good? Yes, I just explained. Okay. Oh, good.

We went to spirit Halloween twice there. Oh, good. Oh, good. We did it. You didn't pay off. You didn't pay off the concert tickets. You didn't pay off the concert tickets You lied to me

I did pay it off No you didn't I did it I did Hey shut the fuck off No you didn't Because here's the thing You clarinet it So you deaded it

Wonderful In order to pay for your debt You put it on your credit card So you debt paid your debt You debt paid your debt You did not pay for it Because now it is on this balance That is accruing interest

I transferred it from the bank And then paid it Like I made the You can see the transfers on there Like I made the transfer And then I made the payment Because it wasn't enough on the card To pay it

Because you didn't have enough on the card So that's not even you making that extra payment That's just you not having enough on the card To even make the bill What's the point? You could have paid for it in your checking account What's the point? I signed up for it on there

So I could get the extra points We just went over points I know We just went over points At the time it was extra points So I just need to be lot of extra interest. Yeah.

You lost $82 this month in interest. Yeah. That's why I had to pay to be able to use the card. Huh? That's why I had to pay to be able to use the card again. Because do you not realize how

that is? If you have to pay because the interest is so high, because you leave such a big balance on there in order to make another fucking purchase on a credit card, do are we not in a situation? Do you not understand how that would be considered if the interest on the money

that is already there is so big that it is pushing us to our limit and the only way to be able to spend on our credit card is by paying off a little bit of it we're probably f***ed does it not make sense it's the minute I have to make the minimum payment anyway at the beginning of the month

yes I know oh my gosh that's not the same thing as you putting a little extra so you can put it right back on which will then just accrue the interest again 82 $2 dollars congratulations you could have got 32 of your special little work drinks just in the interest accrued

in one month. It's just like that also takes a long time. Gone. Taking away from you. Taken away from you because you are choosing to spend on here even after you make payments. Well, it takes a long time to pay it off. Are you ever going to survive in this world? No shit.

Yes, I know. It takes longer to pay off when you spend more on it. I wrote a little song to remind you, choice hotels get you more of the experiences you value. The Can Beah Hotels got. it all a roof top all have a ball bring a date your squad or even your mom book direct at choiceotails dot com technically i'm not spending more on it because i've making the payment yes you are yes you are because the interest is accruing allowing it to still go up okay yeah well you're still making it net go up you have lost it's borderline a thousand dollars this year so far you can't afford that

that you do not make enough money to lose a thousand hours a year. That is a substantial percentage of your income to just lose the interest on one of many things we're talking about today. One. You can't do that. $1,000, $0.0.0.0.50. You could have got $400 of your work drinks. 400 of your work drinks. Literally in just the interest you lost from this one card because you don't know how to manage it.

And you don't know how to manage it. And then your excuse for putting purchases on there is, well, you know, I made, I took it down from the absolute credit limit so I can put more money on there while interest is accruing. No, this is a fucking joke. This is what a child does with their money. And you actually have real children, okay? And you're going to pass this shit onto them because that's what happens. You're not going to be able to do the things you want to do when your max gets, your debt gets completely maxed out. And you no longer have the ability to spoil them the ways they want to.

And they're going to learn real hard and real quick what happens when things get. And we already know you've been married, so you follow the statistics of, yeah, not every marriage works out. What, only 50% of them? Cool, congratulations. You need to protect yourself. I'm not saying you guys aren't going to get married. I'm not saying you guys are going to get divorced. But you've already proven early in adulthood that sometimes it happens.

And it is good for you to have a little bit of protection. What would happen without the large part of the income of the household right now? What would happen? You wouldn't be able to pay on your debts. You wouldn't be able to survive. And yet you have the kids and the child support hardly covered. anything. You are putting your children in a risky position that is unnecessary and honestly quite disgusting because of where you are spending your money. All for Starbucks, all for whipped

cream, caffeinated juice, all that. Well, yeah. Is more important. If we, if, you know, got for bed, we didn't work out. Like, I know my parents would let me move in with them too. Why are we talking about our parents being our fucking fallback? It is okay to have. help people when they go through hard situations, but you get yourself in a good position where you don't have to rely on others, not expect to rely on others. You rely on others only when there's no other opportunity. Yeah. All right. You know I'm all about helping you avoid messing up your finances. So let me tell you about the FIS card. If you're a college student or you're just not a credit card person, listen up. FIS is a total game changer. And it's a debit card.

It's the best way to build credit and budget your money. With Fizz, you're not dealing with any hidden fees, hard pulls, and no interest rates that'll eat you alive. It's just a debit card that builds your credit without costing you extra. And here's the kicker. Fizz links to your bank account and sets a spending limit based on what you actually have in there. So no maxing out on Takedos or impulse buys because Fizz keeps you within your means. Fizz doesn't just help you with better budgeting. it's a legit credit building, plus you earn cash back on the stuff you're already spending money on.

So if you're ready to build credit the easy way without stress, debt, or hidden fees. Check out Fizz at joinfiz.com slash Caleb or in the link in the description. And as a bonus for my audience, the first 10,000 people who sign up and use code Hammer 10 get a $10 sign up bonus. Try out Fizz today and let me know what you think. Are you serious? That's gross. That is so gross. that is you literally never maturing beyond a 15 year old.

If you think I can just rely on mommy and daddy for my entire life of something where to go back. Huh? Huh? Huh? Huh? That's not. No shit. And that is okay.

Yeah. That is okay. But that is on the last straw. You are not preventing yourself from being in that position. That should not be your emergency fund is mommy and daddy. No, you have something set up. And if everything goes to absolute shit and your parents want to help you, of course. But they would be enabling bad behavior if they did help you because you never set yourself up for any kind of protection.

if something were to go bad because they're just allowing you to be a permanent 15-year-old your entire life. Yes, somehow you have kids. Yeah. Well, my mom. Are they in your life financially right now? My parents. Mm-hmm. Yeah.

What? My mom helps me pay for groceries. Oh, good. So that she can go to Starbucks every day, mom. I think we should probably call her in the post show. We should probably call her in the post show and let her know because she needs to cut you off. She's enabling your bullshit. Go ahead.

What else? She, well, she lets me Instacart grocery. to the house, mostly for the kids. She lets you be extra lazy. Oh, my fuck. And, um, like, kids food and then every once in a while, it's stuff for me, too. And I'm supposed to buy my own groceries. But, you know, sometimes, like, I get really busy.

So I just eat like, like, busy standing in the line at Starbucks. We're working too. I, I, I, you work 45 hours a week. Welcome to what everyone else does, even those with kids. Yeah. And you're not even a single parent. I, yeah, I'll technically. Single parent.

Um. Does the fiance help? Yeah. Yes. Then not even close to technically. Um, And then if something comes up, like an emergency, my parents will help me with that too. That's an enablement.

Listen, if they're grandkids, and that's probably the extra hard part, but people in your position need to fall on your fucking ass. So you actually know what it's like down there. You've never felt that you've only bounced on the trampoline instead of hitting the ground because of their support system. And it's allowed you to think that our emergency fund isn't important. It doesn't require any sacrifices in order to build up any kind of safety. in order to protect me and my kids. That's actually going to hurt you. When your parents are gone, then all of a sudden,

something bad does happen, and then you can't take care of your kids, they're the ones that get f***. Your parents are enabling you, and it's bad. It's bad. They don't know what's bad. They're doing it actually from a good place to their heart. Yeah. They just don't understand.

And it's fucking you. You don't even know. You need to have your ass hit the ground, and you've never felt it before. You've never felt the value of a dollar. You don't. I work really hard for my money. You work 45 hours a week.

Calm down. It is hard. It's hard. Okay. Then we all work hard. Congratulations. Okay. Okay.

I've worked so many 40-hour jobs a week. Okay. We all do this. It happens. When I was doing sales, I was doing what? Like 50, 60, and I'm working in the evenings, making sure closing those sales. Cool. Cool.

Cool. Wonderful. Good for me. Yay. I'm not fucking crap about it. But now balancing up with a kids. Don't get me wrong. That is difficult.

But the thing is your money that could be going to groceries, could be going to cooking, all these things, could be covering an emergency buses, is literally going to that you can spend $8 a $0.50 a $0.50 for your second drink of the day at work. And then I'm sure you have a little evening sweet treat because you always probably do. It's mostly energy drinks. Let's move on to the next card. $121 minimum fee payment on that Apple card, by the way. Oh, good.

The discovery is somehow higher. Oh! No, it's not that. Your discover is literally over the credit limit. But we think we can go to the fucking Starbucks every day. Well, that's... Then you go to Starbucks every day. A lot of finance YouTubers are like, oh, never go to Starbucks.

Invest in it. I'm not even that person. Go to Starbucks. When you can afford an emergency if something bad would happen in life. And as long as you are making sure that you're at least putting some aside for retirement and you don't have high interest debt, you're over the max on a credit card. And you're going to Starbucks every day. That is not acceptable. You are not entitled to that.

I don't know who you think you are and why you think your life and your sweet treat is more important than your kids. That's what actually pisses me off And why I'm being a bit rambunctious this episode Is because this isn't just affecting you It's affecting two people that did not have a choice To be brought into this world You are fucking their future And putting them at risk

And it's disgusting Well, the normally that's not over the limit I just missed the payment Normally it's not over the limit It's over the fucking limit And that's all I care about That's all that's there Is it's over the limit

Yeah I missed the payment on that one So it went over just a bit. Now, why are we missing payments? Well, I forgot about that one. That one just like went over my head a little bit. We can forget? I missed the cutoff for it to be on time.

And then it went over the credit limit because of that. Why is it on auto pay? I don't do auto pay is really on most things because... You don't know how much money is in your account ever. Because we don't budget because we don't look at our accounts. Because looking at our accounts is scary because we miss payments. It's a revolving circle. You make it worse.

it makes it harder to look at it and you don't look at it, it makes it worse. So it's always going to happen. There's issues right there if you need it. I appreciate the fact that emotions are actually hitting. That is important. I am not here to try to make the emotions hit, but the fact that it's actually landing and the wake-up call, which is the purpose of the show, is actually working,

is a positive sign, not that I would want anyone to shed tears. I'm not usually a crier. I'm not usually a crier. Exactly, but it is. You are having it. maybe we're thinking about the kids. We're seeing how this is actually negatively affecting our kids for the first time in our life. And maybe that's an important thing because maybe that's the kick, the fucking fire you need under your ass is actually seeing that, oh, wow, this is not just impacting me.

This is impacting them. And maybe that's actually what you gets you to change your behavior. And that is not a bad thing. That is not a bad emotion to have. That is very natural. Yeah. I want to do better for them. I do.

I want to do better for them. We have a good example for them. How long were you with your ex? The father of the kids was your... Ex-husband? How long were you guys together? Five years. Okay. What happened? It's kind of a long story. So he went, he wanted to do the military. And then he was like, he knows that I'm like very codependent, like really attached to style. So he was like in a girlfriend while I'm gone. You know, like it's okay. Like it was kind of an open situation. And then we got together. And when he came back, he didn't really want to be a part of that anymore. So. So he left. Rip? Yeah, rip that marriage.

But here we are. I'm happy now. Well, that's good. Discover it $5,413. And $83. It's a minimum fee payment. It's a lot. It's more than a fourth of your...

Oh, no, no, no, no. I did that math wrong. Well, hold on. Wait, what did I do? No, it's like it's more than an eighth of your entire net income. Actually, probably gross even. What is it? What is it?

$502. I think that has the last month amount to, like a past two as well. Yeah. How long is this is? If you just make your minimum payment payments, no purchases. You didn't make any purchases. Because I froze it. I froze it too.

Good. But how long does this take to pay off if you actually pay your minimum fee payments? How long does it take to pay off? All of that? Yeah. Just this credit card. If you don't miss your minimumity payments, How long does it take the payoff?

Probably years. Like five years? Five years, yeah. You'd be old. Be old. You'd be, well, my age, so I guess you're not that old. It'd be 29, five years, right? Yeah.

I feel like I'm getting old. Yeah, you'd actually be 44. Oh. It takes 20 years to pay off, and that's if you don't miss payments and you're missing payments. Yeah. Well, I just thought to pay in the monthly minimum. 44. Setting up the same.

second half of our life, 44. Just for some fun little starby spending when we were in our early 20s, thinking we're being cutesy and getting a sweet little drink via girl math. All because of that, paying a minimum monthly payment while having basically no retirement at 44. Yeah, that's when I'll be having that fun midlife crisis. Yeah, the crisis is now. And if you don't see that yet.

Your credit score is basically, it's barely over 500s and over the 500s. You're lucky. You're lucky it's in the sixes. Yep, late fee, 41 bucks. So it's probably like a $250 normal minimum fee. You've got to make that back. Okay. Plus the fee is $41.

I mean, let's see here. Gosh, I don't want to rage into you because I see that it's actually starting to work. I see that it's actually starting to work. And I don't do it just to, like, hurt or anything. I need it to, I need you to get the wake-up call and you're starting to get it. So it's like, okay. But the thing is, the thing is, we're only, we're only two accounts in. You've likely missed three to four payments this year so far with how many fees of it this account.

Like, we're talking a quarter or more of the year. You've not made payments. This is not acceptable. This is not what an adult does and you are many years into adulthood now. You are not 15. You are not mommy and daddy's little girl anymore. You're not. And the fact that they enable this is disgusting. They don't know it. They're doing it nicely. But it is. Yeah. I three to four mispayments this year. I'm forgetful.

That's not an excuse. It's not. You can have auto pay. But then you have to have your checking account figured out. And by that you actually have to look at it. There's so many alternatives that we can do. There's a whole path we can go down. That is, it doesn't matter if you're forgetful. You can be okay here. Forgetful is not an excuse. It's not they have systems in place for you. to be forgetful and still make your payments. Yeah. The forgetfulness is like, yeah, it's really bad with money. Four of 11 months this year. Four of 11 months this year. I don't know.

It's that many months. Well, it is in 1,500 hours lost in interest. So now 2,500. Two cards. 2,500. It's what comes in via payroll on a single month for you. You've lost a month of income and interest on only two accounts we've looked at so far, a month of income.

Yeah, I guess I don't really understand interest. Okay. So this is at an interest rate of 27.49. Whatever your balance is on there, essentially take that, figure out what 27.49% of it is. Take that divided by 12 because that's how many months is amateurizing it across the year period. And that is what you're charged on that monthly basis. So the balance, your next interest payment is likely going to be with the current balance on this card. of 5,413.883. Cool. So we're going to take that times that by 0.2749. Wonderful.

And it basically comes out to the interest you've paid this year. So that's obviously no shock. Divided by 12, probably in $124 of interest accruing on this next month, which is very similar to your previous balance, which is lower because before you missed your payment of $140, right, $120 being lost. So your interest is actually going up because you're not making a payment because the balance is getting larger. Does that make sense? Does the interest go up if you leave it like longer than it? Yes. Well, Huh?

So if it's been like a few years ago that some of the purchases were made. The higher the balance goes up. That's all that matters is the balance. The higher the balances. And if you miss payments, the balance goes higher because you get fees and you miss the payment. So you're not making progress towards it. Right. Okay.

So it doesn't matter if it's from like years ago because. I definitely had that card for a while. No, that just shows a pattern of behavior, which is also why we're... I just want to give you an example. Listen, this morning I bought some S&P 500 in my brokerage account, my Mumu brokerage accounts, the investing app I use. This year, it's done 20%. S&P 500 return, which is an incredible year.

It averages about 10% a year. The interest on this card alone is 27. You're even in one of the best... I think it's considered the best year so far this millennium of the S&P 500 performance at like 22% or something like that, even maybe 24, no matter what, even with the best year of this millennium. The interest on one credit card you have is worse than that. That's how bad this is. I need no investment you ever make unless you get some random startup investment, which basically no chance of that. No investment you make will ever outweigh how bad this is for your money.

And then we have a car. Oh, a $21,400 bounce on your... 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, magnetic elixir, sweet and romantic like a lingering touch.

Solar elixir, a radiant expression of joy, Ultra concentrated for amplified impact and lasting power. Find your euphoria. Discover the euphoria elixir collection by Calvin Klein. In income? How? In what world? When did you get the?

What even is the car? It's a 2019 Honda CRB. The body used. What was the purchase price? When? It was a couple years ago. There's still 44 months remaining on it and you purchased it 12 years ago. I'm going to fucking die.

I got a good interest rate on it, I think. He told me it was a good interest rate. They told you it was a good interest rate. I don't have an interest rate on here. What is it? I think it's 4.7%. That's not horrendous, but you have a balance you cannot afford with a minimum monthly payment. You cannot afford.

This minimum monthly payment, again, is over an eighth of your good version of take-home pay after-child support with your new job. Right now, it's almost a two-uh, almost a fourth. Right now it's almost a fourth of your current income. This is crazy. Paid more when I got the car. What are you doing? A restaurant management. You might have to do that again.

It's stressful. I don't care because you're stressed at looking into an account. So like you need to choose a stress. And I think you might need to make more income and then also just not spend as much. $21,34. Bounce is insane for you. What's the car worth? I don't know.

$17,000. So you're underwater by $4,000. Yikes. Yeah. It's actually not the worst, but it's still not great. Yeah, I had a smaller car that I trained in. But it's clear as day why you cannot afford this, because again, we are mother passed due. Two accounts in a row.

Yeah, that was because I thought that I could split it into two payments of the month, but that second payment came after the due date. This is clear as day that you could just not afford this. You can afford the last credit card. You don't, you can't, you don't know what you're able to afford. You don't know. You can't afford this. It is clear as, I really need a bigger car because the car seats and everything and I have two dogs.

So if we go anywhere, when I was in a small car. I think the dogs need to be a watch then. And I have two dogs. I love them. I would take them everywhere as well. But like, we can't put getting evicted, you know, a potential eviction if things go wrong. That's, you know, I think. It's okay to have a slightly smaller car, being able to take the kids everywhere still.

Yeah. I think that's okay if it avoids if it avoids being evicted. Buddy, my parents had three kids and I fucking rode around in a small ass sedan my entire life. I had a-cars are getting bigger and bigger and bigger. What did you think everyone has done forever? Even fucking the cabins of trucks used to be like this big and they fit like six people in there before. A kid would sit in the middle up front and then three in the back. What are you talking about?

This is not some unique thing. Well, at the time there were three adults. You are trying. You are trying to justify this. And it is not going to work. You need to realize it is bad because you will try to justify it again in the future. This will feel too small and then you'll have to get a bigger one or something. You have to get a bigger place to live.

The kids are growing. It's like you're. We did get a big place to live. Huh? We did get a bigger place to live when we moved here. And what's the total rent? $2,320. $2.3.20.

It's a third of your income. Is your half? My half. Yeah. You didn't have a fiancé. You'd be done. You'd be done. If I had my parents.

You didn't have your fiancé. Oh, you're right. Your parents. Because we can rely on our parents instead of being responsible ever. It's very cute. So $538 minimum payment, but of course we owe double that because we're behind a payment. This is insane. These are the because your parents have supported you forever through any time.

time. This is, it is clear as day that you just don't even, not only do you not respect the dollar, you just don't understand the dollar, you're ignorant to the dollar. You didn't even afford so much more because you've never had to actually be responsible with money because your parents have just babied you forever. And the baby. I'm the youngest, two brothers. Yeah, you have kids, so I don't give a fuck.

I don't care anymore. It's not about you anymore. Yeah. It's not about you anymore. Did you start dating your fiancee while you're, Ex-husband was overseas? No, it was like before he left and it was just like... You were dating before he left still.

So while you were with your husband, you were dating your current fiance. Yeah. Like they were friends and knew each other. They were friends? After the fact they were friends, like everyone got along. So it was a good situation until he just didn't want to do it anymore. I'm sure he had a couple fun evenings. No, never that.

Oh, no mind. poor guy he really got the end of it kicked down didn't even get to have fun okay PayPal credit's only gone up

great because we made a little over minimum monthly but it doesn't matter minimum wage minimum wage 57 paid 151 that's awesome congratulations

that's a good job wonderful lovely I love it more than anything in the world but then you purchase $638 $58.52 so it doesn't matter

and then oh we're at the credit limit it's $4,000 $36 on here Credit limit is $4,100, so you're at it with $17.73. Sense of interest accruing. Wonderful. It takes 16 years to pay off without purchasing and doing the minimums, but you always

purchase. That one's hard because the online shopping is. Apple bills, subscriptions, Apple bills, Apple bills? Apple bill? For Apple bills. That was. Target and Roge. That's Rogue.

Oh, Rogue is a clothing brand. You get a fucking discount. Look like an. emo animal for the rest of your life. They have an affliction collab that my store didn't get. So I bought it off. Oh my gosh. You just don't have money.

You don't have money. Why do you think you deserve because you don't? Because your parents. Because your parents. A lot of this comes down to your parents. Honestly, I blame them for a lot of this. It is 100% your fault, but it's an additional 15% their fault. What a joke.

It's because. They destroyed your entire early adulthood. Oh, there's more, more Target and Target and Target. What are we the fuck are we getting from Target for $11.99. That was nail polish. I bought nail polish. What about all the other little purchases? Oh, the other ones where I was redecorating my room because my room was empty.

Your room? Don't you have a fiancé? Yeah, our room. Have her do it. She's the one with money. Well, it was money. Does she know her fiance is literally under? water dramatically.

Yeah, she knows. What does you guys even conversation about money? Do you, does she know your financial situation? Well, she sounds a lot like you when we're talking. Yeah, you do nothing. I, yeah, I get kind of defensive. When I talk to her, I like, we have like an unbiased opinion on it. Unbiased, fuck you is what I would say unbiasedly.

Yeah, so she- You're being stupid with your spending. You've had miss payments this year so far on this card, probably too. I don't think I missed one. Yes, you have. Yep. Yes, you sir have this year. Absolutely.

Or over the credit limit fees. I don't know, but you've had, well, it looks like two missed payment fees. So, well done. You don't even know. So, yeah, let's redecorate our room. We miss payments constantly, and we're over and behind on our car. And that gets behind enough, and the car gets a report. We lose the car.

We can't get to work. Oh, no, we don't have money. Ah! See how this works? See how this works. 30% interest on here. What are we doing? What are? We doing.

So your fiance is right. She's right. Do you know her financial situation? She doesn't have any debt. She's smart with her. How are you guys going to get married? You're going to be an anchor. Well, that's also another reason why I'm not ready to get like officially married because I don't want to drag her down.

And then some of the target is also like buying toys for Christmas or for my kids. The target thing like them. And then we have a separate target card. Yeah. Well, you get 5% if you use the target card. What have we learned? I want to give you free money right now. I've partnered with different resources that will literally give you hundreds of dollars

the moment you sign up for them. Check out my investing app of choice. Mumu, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash when you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SOFI, where they'll give you 4.5% on your money and up to $300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral.

You can also sign it for our investing program and get $100 in cash deposit and into your Moomu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description. description below. So don't pass up the free money because I'll punch you. What have we fucking learned? The percentages don't equal how much you lose. What do you think the interest rate on here is? No clue. 21. 27.65. So you're losing 22%. Is that worth it? No. No would be the answer. Correct. It takes six years to pay off. Even the small ass balance of $1,000 as far as credit cards go. Six years. It still takes six years to pay off. You have no.

idea the consequences of everything you have done. You have no idea. And that is why you are swiping with no fears. Welcome to the real world and what is actually happening. These numbers. You'll never know unless your parents get you off. Oh, good. We're at the max. We're at the limit because of the limits $1,100. $38 minimum fee payment. Wonderful. They didn't give me much on that one. And nor should they. 26 dollars of interest is accruing plus more 80 cents. It's a lot of light fees on that one. You may have been late on every payment this year so far on this card. You may legitimately have been late on every fucking payment this year so far on this card.

Every month. Every fucking month this year. I mean, I kind of have a reason that the- You got a Starbucks every day. Ficked your reason. Hey, five days a week you go to Starbucks, $8 every time you go to Starbucks. congratulations. That's $160

of Starbucks every month. Your minimum monthly payment is $38. You have no reason. Not a single reason to all, but go ahead and try. So the payment date is on like the fourth and that's like right after rent. So usually rent hits

and I have to pay my half the rent and then I have no money left. You'll be pay fucking early. Budget. Figure out. Don't have more than a billion different accounts. Again, A lot of the solutions involves you just,

again, if you would have the money, the rent wouldn't take all the money, you would have extra money if you weren't spending $160 a month on Starbucks. Is that a crazy amount of money? No, but for your financial situation, it's obscene. It's obscene. You're missing every fucking payment on this card this year so far. You do not get to have a little sweet treat.

You already have an espresso and your fucking fiancé will buy you, odds if you ask. Yeah, I should probably say yes if I ask. Is working in retail even smart for you? You can't not spend money while you're in retail. Sounds like you're in a mall. So you're just going to be stopping, swiping, swiping. You probably don't make it to your store without fucking orgasming from swiping somewhere.

Sorry. Yeah, I mean, it's really what I love to do, though. It's what you love to do. That's your passion of shopping all year. No, not shopping, but working in retail. I don't care. now. I don't care. Or you're working retail in a strip mall where you have to live on

car dependence and misery. You'll have Target, work at fucking Target. In a strip mall. In strip mall. Oh, like the little shopping center. Yes, we're middle-aged moms on benzos. They're just picking up random

things. Yeah. To try to fulfill their empty lives. Yeah. Well, I mean, I try to save money on, You don't try to do anything. What is the thing? What are you talking about?

Because I take my Stanley cups to work and I fill them with water so I don't have to buy water bottles anymore. Congratulations. You literally did the most basic thing that every human already does. Are we high-fiving? Well, where's the big celebration? Where's the fucking confetti coming from the ceiling? If you buy like the limited drops.

Do we have fireworks set up for this occasion, guys? It's a limited edition. You can resell it for more. And I have sold a couple. Wait, wait, wait, what are you telling me? What are you telling me? Are you saying you buy Stanley's ongoing? You made it sound like you bought a Stanley to not get water bottles.

What are you saying right now? So I buy the Stanlies that come out. You buy ongoing. And then I sell them if they're like a good drop. How, is they a good job? What if they're not a good drop? Then I keep them. Oh, how often are you doing this?

I have. How often? Well, it depends on if the drop is going to be a good. How often? Probably like every other month You can't afford this You can't afford life You don't understand

You are pretending You make 130,000 hours a year That's how you're living I'd be afraid if you actually did make 130,000 because then you'd be spending Like make 250 I don't even know how to combat that That's just just stop

Simply stop Why have that risk Just why have that risk You are missing every payment On this fucking card I don't give a shit about a Stanley resale. I don't give a shit.

I don't give a shit. I see you almost starting to talk, but I do not give a shit. I don't. You are missing every payment this year so far on this target card. I don't give a shit about reselling a Stanley Cup. It's as simple as that. I don't give a fuck about your kids.

How about that? So $500 stolen from you and fees and interest is here so far on this card. So across all the cards, what are we at? With fees and interest, we've lost $3,500 to see you so far. Okay, so now you've lost a month, an entire month of your new, brand new income, plus child support. Gone, taken from you, obliterated, destroyed, ruins. Baylor Scott and White, $25, $25? Why don't we make it a $25?

What do you? What's wrong? Oh, so that's not the entire. her balance, is it? No, it is. No, no, no. Okay, sorry. That's my payment. So you got on a payment plan. Yeah. That's fine. I'm okay with getting out a medical payment plan where you need. So $25. It's for my psychiatrist. $300. So what that just billed forever? I don't really know how that works. I didn't used to get billed for it and at some point they started billing me. Did your insurance change? Yeah. My dad's insurance change. Well, that would probably be why. Yeah. Don't you think that would probably be why?

Probably. Well, you said for some reason. I think that's a fucking reason. Yeah. Okay. I'm here too. Okay. There is a... How have you go? To the psychiatrist, uh, once a month. Okay. How much does each visit? I think they're, well, they wanted me to pay 90 to go to my next one so I didn't get to go. So that's about right? Yeah.

Cool. You're on your dad's health insurance? Yeah. You're not going to be in a couple years. So, what does your work offer? Uh, I don't know what the new work offers. Ask. Yeah. I believe they offer. Maybe it's better for you. Maybe you get on a higher cost. plan on a monthly basis, but it actually saves you more because you go in so often. But I'm okay with the medical payment thing. It's fine.

I'm not against that. What I'm scared about is if you never pay your $90 and this is always a $25,000 minimum fee payment, but we're adding $90 to it every time. It'll be an infinite debt that never gets paid off. And that I don't like. That is scary. Yeah. We have an additional $556 out to pay their scott and Wayne.

So what's this now? I got in a car accident and. Oh, when? Like a month ago It wasn't that bad But I had to get an expert At my neck And that's what that was from

Are you on a monthly yet? I think that their insurance Is supposed to pay for it Okay then I'm gonna cross it off for now Their insurance Who's their insurance? Oh gotcha Okay

I don't know how to send that to them though Is that all the debt There's one more card A Wells Fargo card Did I put it in the fucking Did I misplace it? There's a lot of Wells Fargo accounts there Oh, shit.

But, oh, there it is. I did misplace it. I didn't even know this one exists. And we're all over the fucking card limit. I actually have a reason why that one is. Yeah, you have a lot of reasons, and they've all been bullshit so far. But go ahead. So I did their hardship program where they, I guess they closed the account.

I didn't know that's what they were going to do. Yeah, why would they trust you? And then I asked them to set up a auto payment for the minimum. And I don't think they did it right because it hasn't been coming out. It looks like you're still on it. You're not getting consequences for not making a payment. But you are. No, yeah, no, you're past due.

You're past $93. I even made the payment and it said that I was still past due. So I'm a little coming. Well, you're probably past due a lot and you didn't make up the full amount. You were past due. Oh, over the credit limit. Oh, no, no, no. You may have been past due even more and you didn't fully make it up.

but also the over the credit limit, yes. You're at 1% interest. It's the hardship program. Yeah, no, you're lucky. Well, Targa is actually very nice for doing this to you because you're not necessarily... It was a college-backed cash card, so that was my first car.

So maybe they're more forgiving of their hardship program. At this point, they just want their money back. Oh, for for sake. Yeah, we've missed that repayment this year so far. Again, plus $600 of interest accrued. We're not at like $4,000 in interest, which is over your better version of your income plus child support. So it's all.

It's all. Nah, 4,400. About 4,250 now is where we are. A year has gone. It was over a month of your better version of your future income. Or two months of your current. You've lost two months of your current income. Two months of everything, all the hours you put in for two months are gone.

In interest. Yeah, that hurts. That's a lot work. Yeah. If you didn't talk, you remind me of Billy Eilish with braces. And then you talk and then you don't. I just got my braces. Congratulations.

Did you pay for them? Me and my mom pay for them. And it's a monthly payment. So that's a fucking debt. Yeah. That is an additional debt. What do you? you pay towards it?

I pay. And for how long? What's the balance? It was $7,000. And then me and my mom split the payments back and forth. Okay, so $3,500. What's the payment? I think it's $2.75.

A month? And you pay it every other month. I paid every other month. Let's break it down on a monthly basis then because you need to save for it on a monthly basis the way you do it. So $137 a month. We didn't even know about this. They didn't even know about this.

I did, I did. I have a dentist payment. You know it? We did it. I think it's like a $97 a month. My gosh, okay. You just got to start being a fucking adult dude. And you're financing everything in your damn life.

I have a dentist payment too because I had to get some fillings before I got my braces on. There's more debt. Okay, what's what? What's the balance? It should have like 800 left on it. Minimum? Monthly. It's $2.60 a month.

for that one. Oh my, what are you doing? You get, your minimum monthlies have to be at your income at this point. I never add up

the minimum monsees this early. You're fucking unique. Congratulations. You certainly act like it, mommy and daddy. No, it's not your income. But we are at a crazy

$1,530 and 69 cents on a monthly basis of minimums. That's insane. Is that with rent, too? That's not with rent, too. I can't do enough.

I said your debt minimum. Oh, debt minimum. A lot of numbers going around. I'm not a number as far as them. Checking account. Let's see. Any other debt? Um, that I can think of.

$84.15 in our checking account's insane. You can't make, you can almost make none of these payments, except for a couple of small ones. And yet there's Starbucks right there. Guys, we got Starbucks the same thing day that we overdrafted. Well done. You're fucking kidding me. Come on. What a joke.

And then we DoorDash dollars in general. And Target and we know it wasn't groceries. More overdraft. There it is. Because the Verizon Wireless, the 444 came out. What the f f***ing is Verizon Wireless 444? What the f***? Possibly.

So I have three lines right now. that's mine my fiance's and my ex-husbands You're for his fucking husband? He got on his own and then there's a few devices. So you do have more debts. You have more f***ing debts.

What a joke. We're all for bouncing our checking account for fucking devices. More Target and ammo coffee and Starbucks Chipotle. Oz Hans Burger Uber Uber bars

festival bars bars bars bars bars bars bars that was all Vegas bars the trip to Vegas yeah it was all money didn't have your overdrafting I don't give a merch merch merch Uber sorry now sorry Uber chart house famous pioneer Anteis Dornashin taco Bucat bell door dashing Taco Bell door dashing McDonald's Starbucks zelling out 10 fucking dollars

Affirm payment, Door dashing Marco and Starbucks and Uber and going in and getting some energy drinks. Target. Door dashing McDonald's, Barkbox. You can't afford any fucking subscription. Good luck. Door dashing dollar tree again. Moody. Moody.

Violent Crown. Starbucks. Coca-Cola. Starbucks. Overdrap protection. That way we can get our fucking Coca-Cola. Starbucks and Starbucks and PayPal and Hot Topic. Oh, we have to get email in every way possible.

And Dutch Bros. and Door Dashy Dollar. And then Goodwill and McDonald's and J.K. Sweets. Starbucks Hot Topic. At the end. Dutch Bros. Zoomies. At the end.

Door dashing McDonald's. Spotify. Circle K. Getting some energy drink. Zoomis. At the end. Zoomies. At the end.

Zoomies. Antianz Zumi's Yahoo! Plus support! What the fuck are you, Yahoo! Plus? Who even knew that existed? Only you. Antianns. Antianns. DoorDash.

Yeah, working at the mall's fucking dance! Then you're Dordash on your way home instead of fucking picking on McDonald's. DoorDash Marco. Fibcreen from the fucking mall. Cosmos. Popeye from the DoorDash. That other subscription. McDonald's Grand Donuts, Chick-fil-A, Starbucks, Spencer's gifts.

You can't work at the mall. You can't work at the mall. You can't fucking come close to a mall. You need to pretend that it's like a fucking school and you're a predator. You can't even come close to a mall. You don't know what a mall. You fuck. Taco fucking bell, Starbucks Bath and Body Works and going in and getting an energy drink.

What the fuck? was that checking account for someone that makes no money. Their debt is a third of their income on a minimum monthly basis. They missed all payments on two credit cards that are behind on a car payment. What the possible, if I just witnessed. What a joke, two kids.

Well, I, so the door dash is when I'm at work because the mall food is, that's where you go right feet there. You stop it at the hands every second of your fucking life in your door dashed and McDonald's to the, fucking mall to the mall your door national McDonald's to the mall what are you

what in the possible even is that so the mall food is really bad people have gotten sick from there people have gotten sick you're making me sick this check it again with sick your finances are sick your finances have cancer well the anti-ends is also like drinks because I get a couple of drinks when I'm there The auntie ends.

Check the fuck up. Okay. One cent in savings. All that fucking spending at the fucking door dashing to the fucking mall and we have one cent in savings. bleep it. One mall. What mall?

Oh. It's fine. It's fine. I've been. I've eaten. It's fine. At the food place. You can get a damn fucking cookie.

You'll survive door dashing to the fucking mall. Stop. it. Stop it. Stop it. I was going to set you down with one of our financial advisors that don't mean money where they get free sessions and I'd get you a free session. But I'm not even going to. They look at that and they'd be like, what the f*** this person's 13? This spending is the most insane stupid thing ever. And then have Verizon of 450. I can't even set you up with helium. I can't even set you up with helium because you don't owe on your phones. Oh, because you owe on your phones. Yeah. I have the phones.

And then I have a tablet. No, you don't sell it. I still owe on it. Yeah, and you're selling it and you're putting as much to it as you can. Can I sell it when I sell it on it? Yes. So I have the other. Or just go back and try to give it.

You can't return it, but you can trade it in for just cash. Really? I don't know. Talk to them. Or sell it and pay more based on what you get. So I had tried to switch to an Android. Oh, you tried to switch. It wasn't even a...

And that didn't work. So I brought. the phone back and time, but I didn't bring the watch and the tablet back in time. So I have an Android tablet that I don't use, which I could definitely probably sell that. And are you okay? Looking for budget. I think maybe on the floor. Don't understand.

You've only made it this far from here. I'm calling your mom in the post show. I'm calling your mom. I'm not even asking permission. I'm calling your mom. What a joke. I need to save you from yourself. What a joke.

Total income. gotta be when are you starting your job uh probably two weeks 3,850. Oh boy, your half of rent. Yeah. Oh, half of the rent is uh almost $1,200. You pay anything towards utilities? What I can. You can't do anything. You don't have any money. All your debt just goes up. So what are you talking about? If I can.

$1,530.69 cents for debt minimum. payments. Okay, boom, boom, drive, drive. How much gas? Probably like 200 a month. I have to drive very far. Yeah, you don't have a short commute. You probably take the fucking toll road. I don't. Good. I learned my lesson. Yeah, you did. Okay, car insurance. Car insurance is 157. You're lucky. It's relatively cheap for you. 150 goes to the collective TP fund for the household. The other one can do more too, but that's for nails, that's for depression shirts,

that's for kids, whatever. Yeah, it's just spending for everything else you need. Phone bill? Well, what is it now? 370. Well, I have the subscription. Necessary food. You're allowed to contribute to the

household pile. $450 should be fine. Your fiance, if she contributes that, you guys will get to enough for what is fine. well, mommy you'll pay for it. $90 we need to get for our therapy on a monthly basis.

Any other medical bills on a monthly basis? No. Just the other ones. It was just wanting to. No subscriptions. Do you have any pets? I do have subscriptions. No, you don't.

You're canceling them for a fuck sake. I don't give a. They're on my phone bill. Open your phone. Open your phone. Do you have any pets? Yes, I have two dogs. That's right.

can your fiance get pet insurance for them? Because you can't afford it And if you can't afford pen insurance In my opinion you can't afford a pet Yeah She can get it Because if they need a surgery How are you paying for?

Let me see Well it's on my Verizon Let me see You want to see the bill Break down No no no no no no no no no Pull up your subscriptions on there I saw so many Apple pays

Oh You have a brilliant Like a nice phone That's the 15 I just got it Stop yourself My old phone was it working anymore.

Okay. Active subscriptions. Discord Nitro, $2.99. Cancel. Notably. Cancel. Pekak. Cancel.

Pretty up. All-Body edition. $34. A year. Cancel. You have Snapchat plus? You have Snapchat plus? So that you can restart little

fucking... Whatever they're called, the little streaks. Cancel every subscription. I'm not putting in your budget. Have your fiance. Take care of the... get the pet insurance. What is your, what your, your money literally, if I were to look at where your money goes,

I would think you are 14 if I did not know you. Snapchat f***ing plus and shopping everything at the fucking mall and hot topic and door dashing McDonald's and food corpita and drinks at auntie ands. Oh. I'm fucking raging. Okay, guess what? You're under buying $300 because you need $4,147 and $6.9. cents to make it on a monthly basis.

I got to step away. I'm going to wrap this thing up. I need a recoup. I need a re-fucking coop. Then we're going to call your mom because I need to get out of her grasp and actually grow. Guess what? Because that's your new income and child support. You can't work retail.

Go back into food, figure it out, or work two jobs. And the fiance takes care of the kids. Whatever it is, you don't make enough money. You need to go make an additional 1,500 or your debt's never being paid off. It's as easy as that. I don't care if you love your job. You need to go make more money. And I know in Austin you can go make more money in food.

I know for a fact you can do that. We all know a million people who do that in Austin. So go ahead. You know a server you would make more money. You can make more money and you need to, whether it's keeping your job working another job at the same time, in the evenings, or whatever, or you just need to go get a better job.

Simply put, you do not make enough to live. Spending a budget you overspent times four, zero out of ten debt. I mean, it's basically as bad as you can get. without, you don't have collections or anything, right? Basically as bad as you can get without IRS or collections debt, one out of ten. Emergency fund, there's nothing there's one cent. Zero out of ten. Retirement technically started, but basically nothing.

One of ten. Real estate zero out of ten. Hammer Financial score, round it up. Point five out of ten. I'm going to call her mom right now in the post show and I'm going to go take a breather. So make sure you join us there. But you can get all of our educational products, which we're going to set her through. And she better fucking take it.

You can get it all together for 15% off with our bundle. Make sure you check it out. I'll see you guys in the post show. I'm going to talk like 10 gallons of water. Bye. I'm almost kind of dreading calling your mom, but I know we have to. Hi, Mom. Sabrina specifically says that she does not need to build any kind of savings

because of anything bad in life were to happen. She can just live with you guys. Why? The mother of your grandkids currently has had actually open debts. I thought she was pretty financially smart, so... How are you going to get out of that, girl? To watch the financial audit post show, Click the join button below.