Financial Audit - M*lf Exploits Young Vulnerable Men | Financial Audit

Episode Date: July 7, 2025

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Instant room upgrade. Stop taking bad travel advice. Start comparing hundreds of sites with kayak and get your trip right. Bad advice. You talking to me? Kayak, got that right. To watch episodes of financial audit a week earlier, check us out on YouTube. So I'm a cougar.

My boyfriend is 10 years younger than me. And how is his financial situation? He's leaps and bounds ahead of me. How where is he of your financial situation? Because no way is that man going to marry someone who's completely financially? He's not going to allow it to go to that next step. The tools to change your life have just been upgraded. Download my budgeting app rebranded to dollar-wise today and start your free trial.

for the annual version and I'll send you my budget-friendly cookbook that can't be purchased anywhere else and I'll personally sign it and mail it directly to you. Download the dollar-wise budgeting app today and take advantage of your free trial. Hi, I'm Lauren. I am 34 years old from Clarksville, Tennessee, and this is Financial Audit. Thanks for coming down to Austin. What do you do for a living in Clarksville? I am a medical laboratory scientist. Okay. Sounds like that can make money. What are we making? Yeah, averages out to about 39 an hour.

Okay, and it's always the people making good money. Yeah. That are doing worse. I've honestly heard interesting things like, oh, this show's like poverty. It's interesting not because a lot of the people that come on the show make it a great income above the median or at the median, but then they just fuck it up even more. Yeah. It's crazy. Now, don't get me wrong, this is full Caleb's ringer, but we have fun with it.

So what is that take home pay on a monthly basis? About five grand. Okay, five grand after taxes. Clarksville, Tennessee, is that a major city? So I know Nashville, I know... It's becoming a major city. And I do work in Nashville. How expensive is.

Oh, you're working in Nashville. How expensive is it? Because $60,000 a year, this is not bad at all. That's not bad. That's not all I make either. Okay. What else are we making? 2240 on VA disability a month.

So my take home is like 72 a month. Okay. Yeah. There has never been a veteran in the history of the show that does not have VA disability. So what did you do? What was your service? Army, four years, long time ago. What's your thoughts on that?

Because it's every single time. And I'm not like saying like, like, wow, don't let anyone get anything. But there is not literally one single person that has served in the military in the history of three years of the show. And we get like a few a month. Yeah. That does not get VA disability for the rest of their life forever. Yeah. So anything that happens to you while you're serving, you can claim as a service-connected disability.

As long as you can prove that it happened to you during time and service. And now you have this for life. Yep. They can re-rate. Okay. So, well, I need $7,200. Why are we struggling? Because that is not bad.

That is not bad. No, I spend money on both. I spend a lot of money on things that I don't need. And yeah, that's why we're struggling. My rent is $2,000. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard.

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killing you. Okay. Well, that tells me then that you actually have no idea what's going on, which is I guess why this show exists. Because like, yeah, that's chunky. 28% of your net, not even your gross. Net? That is chunky. It's not make it break your life. It's not.

make or break your life. That is where a lot of people sit. Many people go higher. You shouldn't, but sometimes you have to. So in your mind, or just in general what we're talking about, what is going on? What are we talking about? You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale

is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Today. So I'm a cougar.

My boyfriend is 10 years younger than me, and I would like to, you know, like live our happily ever after. Live my dream life. 34, so he's 24. Yeah. Okay, Twitter will call you a predator. That's okay.

Wow. How long have you guys been together? You said boyfriend? Yeah. So not married. No. Almost a year. Almost a year.

Okay. Interesting. Maybe we'll bring a mom later in the show. Is he here? He is. Oh, okay. So he's physically here. Yeah.

Oh, yeah. He came. He loves you. Far more than I do. Okay. Was it a competition? What are we doing? Yeah.

It might be. I don't know. So you want to live a happily ever life together? Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals. because we're built for what you're building. Fit for your ambition for citizens back. Together a year, are we in the world of proposal?

Are we in the world of talking marriage? You guys even live together yet? I'm moving in with him in August. My lease is up in August. Okay, that's a big step. Yeah, I mean, I feel like the timeline is acceptable. I feel like people move in together after like a year. And how is his financial situation?

He's leaps and bounces. ahead of me. Okay. He has no debt. Like, legit. How where is he of your financial situation? Of which, he does 100%. He knows. Okay. And it's not necessarily required to just a year in, not even living with each other. But once you start getting into living with each other,

it makes sense to learn a bit more, because all of a sudden that person could kind of fuck you if their finances are a mess. Which is why we had that conversation. We had been together for like six months, and I was like, you know, this is... And what does he think about this chunky stack? He was not happy. When did he learn and what happens?

We were like, I don't know, about six months in. And I realized that it was going to be a serious relationship. I didn't know, like, you know, we had already... Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava Theater stage on April 30th, the powerful vocals of Demi Lovato on May 17th,

and the signature Southern Country Rock of Eric Church on July 19th. Tickets on sale now at yamava theater.com, only at Yamava Resort and Casino, celebrating its 40th anniversary. You in? Must be 21 to enter. I realized it was going to be like a long-term thing, and I was like, this is a conversation that needs to be had because we both have dreams and desires in life. And how long you've been accumulating all this? Since I was 18, probably. I mean, well, it was more fucked back then. But current debt, about two years, honestly.

I paid it all off. You paid it all off? Yeah, two years ago. And we're back here? Why? What happened? That's what always happens. And again, you have an incredible income.

You have this disability that it lasts forever. It's like, okay. I made even more money. I made a lot more money. I was making like $1.30 a couple years ago. Why aren't you now? What happened? Because I was traveling.

So it was like... Why aren't we doing more travel? I don't want to do it anymore. And I know that's a want and a desire, but I'm not going to do it ever again. It took a lot of time away from my kids and the stability was nonexistent. So I'm not going to do that ever again. Wait, it's not like you have to travel. But again, if our income goes down and all these things, then we have to adjust our lifestyle.

Why did you pay off that two years ago and why are we all of a sudden back to where we were? Because I kept living. Trading at Schwab is now powered by Ameritrade. Unlocking the power of Think or Swim, the award-winning trading platforms loaded with features that let you dive deeper into the market. Visualize your trades in a new light on Thinker Swim desktop with robust charting and analysis tools,

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Why? Why no adjustment? Do you budget? Have you ever budgeted? What are we doing? I budget now, but I didn't then. I was like checking my bank account. Like, do I have the money? You budget now? Okay. Then tell me exactly what was spent last month and what came in. Oh God. What came in was like $10,500-ish. No, but go ahead. What went out? Oh, well, what went out was probably like $12,000. I don't know. Listen, one, your number's a little wrong, but you're in the right ballpark. Okay.

But two, if you budget and know you spent 2,000 hours more than you make, is that actually budget? What is that? Overspending. Literally last month, and this is great income, 10,124. I don't know why extra even came in, but you can answer that in a second. But when I was $11,469. That's closer than I thought. Still not great.

But that's close to my thought. First of all, where was the extra income coming in? And then why the fuck are we spending so much more? I closed out my TSP when I quit my last job. So it wasn't even income? No. It was like... And then even still, even with that extra, how the f*** possibly?

Why even? Do you even know how you got to spending so much more than you brought in? Even though it was even income. First, oh, so many questions. Okay, why did you close that out? Why did you close out the account? Because I listened to another financial person on the internet. Tell.

Well, I didn't listen to him. He didn't say... Who? What? When? Dave Ramsey. Dave Ramsey always says, like, don't... Don't put into retirement.

I know. Okay. Don't forget. He doesn't say pull out from retirement and pay capital gains and early withdrawal. I don't tease. I didn't know. Okay, hang on. You did not listen to David Ramsey.

No, not on that. That's what I'm saying. I stopped putting into my retirement because he says to. But I pulled it out because I didn't know that it would roll over if it would roll over because it's a government, whatever you call it, retirement thing. I didn't think it would roll over. It probably would have. but I didn't know it anyway.

I probably should have, but I didn't. But the pullout was because you thought it would just go away? I'm saying I took it out because I didn't think it would roll over, is what I thought. I didn't think I could bring it into the new job. But even if you couldn't roll it over, why does that mean withdraw? Oh, because I, well, I used it obviously. I was going to use it to pay more down more debt, but I didn't. Roll over, why does that equal withdrawal?

It doesn't. So why did you? Because I needed the, well, I didn't need the money, but I used it. Oh, that's different. You were saying it's because you couldn't roll it over, which is bullshit. I didn't think it would. No, it doesn't matter. Even if it would or wouldn't, it doesn't matter.

You could just let it sit there. Yeah, I could have. But I took it out because I used it. Yes, that's the real answer. It took us like three minutes to get to the real answer. It wasn't David. It wasn't because it wouldn't roll over. It's because you wanted to spend the money,

and then yet you still spend $1,000 more than you actually even spent in that month. Yeah, I did. So your goals seem to be completely conflicting. if our idea and goal is to live hell happily ever after with our, you know, pubescent boyfriend, then... He's not puvester. That's a stretch. He is, and I'm just using internet brain. But if that's our goal, pulling from retirement, and even after pulling from retirement,

blowing even more is not getting us to that goal. So this is completely conflicting. So what is your actual goal? What is your mind? Is it your light goal? in the back of your head yet you're not even pursuing it because you prefer actually blowing your money and fucking it off into monsters and whatnot? I didn't pay for this.

Boyfriend paid for this. Good boyfriend. Yeah, he is. Even if he's pubescent. Anyway, I went on vacation that month, honestly. That's why I... You pulled from retirement to go on vacation. Yeah.

You pulled all future vacations to go on one vacation now. Not all, because I'll... Yeah. Maybe fix it. Huh? I want to fix it. No, okay. You want to fix it, yet you just did this?

What are you talking about? Yeah, I could go stab someone in the throne of the street and be like, oh, I want to fix this wound. I still stabbed them. So what are you talking about? Want to fix it? Don't do it in the first place and you don't have anything to fix. What do you?

That's not a thing. If I could undo it in the first place, I would not be here. This just happened. Well, yeah. Yeah. It did. This isn't something a year ago. Right, but your point still stands.

Whatever I did is done now, like you stabbing somebody in the throat. It's already done. Yeah, but this just happened. And I'm not going to absolutely tear you apart for a year, two, three years ago. This literally just happened, meaning you could do the same thing tomorrow. With what other accounts you might have? Who even knows? Probably none. But I don't want to you anymore.

What has changed in a week? I told you. Now we've decided to commit to a little boy? Okay. He's a big man. He is tall, actually. Okay. What has changed?

I told you I want to get together because I don't want to. Yes, but what has changed? Conversations have been. add that are very important. Tell? Tell? We have talked about marriage and we have similar goals of like we want to have. And this just happened within a couple weeks. In like a month, yeah.

Conversations happen over time. Have you been in a relationship longer than six months? I am right now. Okay. So you have, okay, so you have different conversations as time goes on, correct? Sure, of course. Okay. So you're telling me it literally lined up perfectly timeline, your multiverse, just like,

We had, boom, we would draw, and then boom, immediately we have the conversation about marriage, and then boom, you come on the show. No, because that money, the money that I spent on that vacation was to take him to meet my family. So we went to the Northeast. He met my family. And afterwards, when we came back, that's when the conversation was had. Did he know you pulled for retirement to do that? I don't think so, actually. I don't think I told him that I canceled, that I closed my TSP.

And his finances are good? Yeah, they are. I told him that I'm in a load of debt. I didn't tell him like free. He knows what I'm going on. You know, this is actually important to this conversation. Before we offer these finances, I would rather him know and get his thoughts on it. Okay.

Let's bring him in. What's it good? Jeffrey. Jeffrey? Jeff's not your real name, is it? Good. Jeffrey. Scoot on in, buddy.

We'll have a nice little conversation. Jeffrey, okay, welcome. So here's the thing. Here's the reality. And listen, I thought maybe we'd bring you in for the post show. Who will bring you in for this moment right here? And then we'll get you off. But I know your finances are good.

Here's the thing. I asked her what she wants to do and why she's here, what she wants to talk about. And she's a self-confessed cougar that wants to honestly get her together so that she can live her happily ever after with her young little twink. So the last part was an embellishment on my end.

But either way, what? Levels of disrespect are at an all-time high. Of course. But what you don't know, and I know your finances are good, and what you don't know is that you went to meet your family, right? Yes. In the Northeast? Okay.

So we traveled from Tennessee to the northeast to meet her family. So you guys could like, okay, great, you met the family. Oh, are we going to pursue this more long term? We're going to figure that out. How do we pay for the vacation? How does she pay for the vacation? I'll tell you. She literally pulled everything from her fucking retirement to pay for that trip.

Okay. The girl that wants to marry you and live her entire life with you has pulled from her retirement in her mid-30s, her second best decade for compound growth. Luckily she gets disability for the rest of her life, but what do you think, dude? Because that's, she just, she wants to do everything. And to meet her family, to take you to them,

she's pulled from everything. It's not ideal, certainly. We could have waited. maybe, but I mean, it happened. You're okay with her pulling from retirement? You're the one of the good finances, she said. No, I'm not really okay with it, but it happened. It happened. But what would you have said leading up to it?

At that point, we hadn't yet. Yeah. I hadn't told them, like, how bad my was. Why? What has changed recently? What's going on? We've gotten more involved since then. Yeah. Yeah, certainly. Also, even that month that she brought home more money because she pulled from her retirement,

the son and even bringing home more money, she's still spent over a thousand dollars more than actually came in. Your future forever potential mother of your children. Right. Yeah, I didn't know that. Thoughts? Not good, certainly. Definitely don't want that in the future.

How do we fix that in the future? What is going to be potentially different here? I don't know. We've had talks of finances. She's moving in with you. She can't manage her finances. She spends way more than she makes. She's going to be splitting the bills.

What happens if she can't make a bill do? then all of a sudden that completely falls on you. I mean, I would like to not have to. And what are we doing to solve that and communicate and fix it and work on it? Because this is her most recent month. Right. Missileady's bullshit load is $1,400. Going out to eat was $1,500.

Okay, that's when we went. That's 1,000. So 3,000 hours in bullshit at a minimum is because we went to the northeast. Well, yeah, we said that hotel. For how long? For a week. A week is three. $3,000.

Yeah, we stayed in hotels. I had to feed everybody. Well, he paid for food mostly. Then what the fuck are you talking about? What is she talking about? How do you deal with this? What do you do to fix this? What do you do to communicate?

I mean, you seem soft-spoken. You seem... You like getting dominated by the cougar. I get it. I'm just reading how it lays. No. No. It's just we haven't really had the true conversation to find it.

Like, we talk about finances in the aspect. We want them to be good and green, but not really putting any plans together. Which I appreciate, and you guys aren't married and you're not, well, we're not engaged or anything. So we don't necessarily need to yet, but we are moving in together. And that's where I would at least have the conversation, because now her bills impact you much more. Right. As in rent, as in if she decides to go below $3,000 minimum on bullshit and she can't make her part of the rent due, that falls on you. You've paid for dinners.

you've gone on some trips, but you haven't lived together and seen someone destroy the household financially. And that is where she is. Yeah. Okay, we'll let you go. We'll let you go, buddy.

But I don't know. She's pretty self-destructive from at least what we can see, pulling from retirement, and we'll have the rest of this conversation with her and we'll bring you back in for the post show. All right. All right, it's just us again. So we're going to jump into these finances.

I just want to know, just so I have any kind of base, in here. What have you done, if anything, to even try? I did buy the Master of Your Money. Our budgeting program. Yeah. Like when it first came out, I didn't even know who you were yet. How'd you find it? It's like a year and a half ago. I googled like things that could help me financially.

SEO, let's go. Yeah, you're welcome. But how the fuck are you still in here? Because literally tens of thousands of people have changed their life, not even an ad. Because I didn't use it. Why would you spend money on something that is actually very beneficial? me wrong. Very beneficial. Lots of quizzes. Hours and hours of great education.

But why do that without the committing? Because even still, you have a month or you can be like, hey, this isn't for me. Please refund it. And we don't even ask questions. I didn't even know that. What the fuck? Why? Why would you bought? Why would you invest? Why did you not take it? Because you still have it.

So you still a year and a half and you haven't done anything? What? What? What did you not take it? In a year and a half? I was busy. Busy with what? How many hours a week do you work? I have a fuck schedule. How many hours a week do you work? I work 40 hours. I work eight days you. That does the hours. Eight days straight. Okay. That doesn't make sense. When do you do that? I work eight on six off. So I work like over the split. So you're saying there's six days to take a class. Six days to do my

laundry and my dishes and whatever else. It takes you six days to do laundry and dishes. Are you broken? I'm the only. Is this why you're on disability because you're incapable of moving your limbs? I'm the only adult in my house to take care of my So, like, I have... What's your house? You live alone, right? I have kids. Whoa. Yeah, buddy.

Yeah. That is different. But also, you can still take the program, just even while you're doing dishes for what's worth and then pause for the quizzes, but whatever. Yeah, I probably should have, but... Yeah, you probably should have. I didn't.

Your kids. Yes. With him? No. No. Pre-kids. Yes. You were in the military.

I was. Yeah. Okay. Following all the stereotypes. Gotcha. What are the ages? Oh, fuck you. Okay.

What? No. You're not wrong. No, you're not wrong. Divorce, bad credit, DD214. I just did IT. You did IT? You did IT? Yeah.

So that was my job in military. And you were on just forever. Okay. Okay. Okay. Okay. It's okay. It's okay.

How old are your kids? 13 and 11. Okay. Wow. Decently in the, in that like middle school, high school range. So they're actually kind of, okay, they're not very young. Wow. So we've been.

single momming for a while? How long have we been single mom? For like seven years. Geez, what happened? Their dad and I just did not work out, obviously. There's a lot of lack of communication and just like pre-existing issues. But we split up. And you're not, are you full custody?

We do week on, week off. Okay, then extra, fuck you. You could have taken the class. Ever feel like your business finances are just, vibes same but it turns out vibes based accounting is in a strategy and that's where today's sponsor relay comes in relay is a business banking and money management platform that puts you in complete control of your cash flow no hidden fees no random account minimums just real tools for real businesses you can create up to 50 checking accounts to organize money for taxes payroll rent whatever eats into

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aka less stress. To sign up at Relayfi.com slash Caleb Hammer and fund your account with $100 to get a $100 bonus. So stop guessing and start banking smart with Relay. Let's get back to the episode. No, I have them during my time off. Like, that's my time with them. So when I'm at work is when they're with their,

dad because I work from noon to midnight. But it's still 40 hours a week. So even if you're doing 40 hours a week six days. No, wait, what? You said 40 hours a week. Yeah, it's 40 hours a week over eight days. It's 10 hour days. Okay. There is still time. Yeah, there is. You're not wrong with it. That's one more hour than people work in their normal nine hour shift. So you have time when you don't have kids. I'm poking holes to this because there just isn't, your logic is not sound. No, I have to, no. I don't. I mean, well, I probably do have to. You see.

Yeah, you do. Yeah. You know, should I do the 24 minus 10? I drive. 24 minus 10. How much is left? 14. And I drive an hour and 15 minutes one way to get to work.

Minus three, minus eight for sleep. You have three hours left. You're okay. That is daily on the work days. And then even when you have your kids, you still have time because I bet they sleep. I bet they nap. I bet they go outside and play.

They're homeschooled, so they are always. Why are they homeschooled? Stop. Why? Because I don't. Because I want that way. You don't even have them the whole time though. This has to be so complex for them and confusing.

Just let them go to school. No. Let them have social interrac- Why? Because I don't want them to. We don't. Why? Because the school, the school system that they would be in is not great.

Aren't you moving? Yes. Can they go to a better school system? No. Charter schools, anything? No. No. Okay.

I'm going to keep them homeschooled. And are you using that as a cope? No. The school system? No, no, no. I feel like there's a deeper underlying issue here. No, because, okay, when we moved from, we moved from Massachusetts to Tennessee like two and a half years ago. And when we moved, my son is like on an IEP that they, the state of Tennessee was like, we're not going to honor this.

We have to, like, redo his whole thing. Okay, but you have another kid. Yeah. My daughter was still in regular school for that year. And then last year. Is it just worth your time and worth their social interaction? They have friends. Okay.

It's not like they're like... Minecraft friends? No. Well, I mean, most of my son's friends are on the video games, but they do have like real-life friends. You said you have goons. He has goons. What? Right?

Isn't that what you said the one time? That you boon with your friends on the internet? On the internet? Yeah. No. You said that one time. I have friends here in Austin. Yeah.

And then, wait. How long ago was that I've said, though? I don't know. I don't know what you're referencing. You said it one time, I promise. I mean, yes, we still like to play video games here and there. Okay, okay, okay. So anyway, regardless, the point is they have friends in real life.

They do. Okay. But now my daughter's home school, too. Okay. I mean, I think you just have bad time management. I don't know. I have meal prepped in the past. I'm not going to say I haven't, but it is easier.

Obviously, it's more convenient to, like, go through the drive-through or go to Dollar General and buy a freezer meal. You have almost a set-up schedule that's perfect for me of prepping. Kind of. What do you fucking mean? Because if I, because, okay, I will do my meals for four days because they don't hold forever in the fridge. Yeah, and you still have time left over. We did this.

I want her to draw something. Can I have the whiteboard? Oh, I want you to map out what a day in the life of you looks like. You know, this is full Lauren and eventually Jeffrey. Oh, gosh. What they do together. matter. Matter about your day. Give me what a day looks like. Because this is bullshit. You have time and you're using the, oh, I walk away, oh, but I walk for all the week that you can't do anything. I'm not saying I can't do anything. So he homeschools, the ex-husband, homeschools half the time? You home school half the time? No. They are in a program that, like, it's just a, I don't know what you call it. Stupid. It's not stupid. They're learning.

Thank goodness, but They're learning How do you want me to do this? What do you want to do? Map out of a day. I go to work. I leave for work at noon. What do you want me?

Hang on! No, because my day is convoluted. My day is convoluted. Then map it out. Tell me what's happening. That's what I'm telling you. 10 a.m. What?

That's not the right word. That's when I wake up. Wake up earlier. I don't want to. Oh, Because, okay, hang on, let me ask you a question. When you get home from work, do you immediately take your ass to bed? No, you don't, right?

Right. So, when I get home at 1.30 in the morning, I'm not going to bed at 2. Map out your day and we'll see the holes. Okay. All right. So two hours to get ready in the morning, I guess. No, I have to take a shower? Yeah.

Yeah, a two hour shower. Okay. I didn't say I'm in the shower for two hours. Well, we have 10 from noon. So this is two hours of who knows what the f... of life. Of life that you're doing nothing productive. Probably.

No, that's not true. Make the food for the day. Sometimes they do. Not always. Not always because you spend $1,500 going out to eat. I said not always. I beached to it, so. I don't know when I go to bed, like three or four.

What was that? What is that at 10.30? 10.30 p.m.? Oh, that's 1.30. Sorry. That's 1.30. Okay. Yeah.

Yeah, 1.30 in the morning. I write everything on like a 24-hour time. That's fine. or bed-ish. I'm gonna write-ish. Oh, okay. I can tell, listen, I'm not gonna do it because, yeah, you are fucking with me. Three to four what?

That's about bed-ish. So you have an hour and a half there, hour and a half to two and a half hours. So I'm okay with waking up at 10, obviously, if we're going to bed at that time. But this shows that there is two hours here. Yeah. And 1.5 to 2.5. hours here to fucking meal prep, to budget,

to go through the class, to do things that actually improve your life other than just sitting there and being lazy. When do you see Jeffrey? When do you guys actually date? Does he even know your age? Have you guys had enough time together to even be able to tell him? You're right. You're right.

He low-key things. How do you see each other? No, we met at work. So not current work. I used to work on a military installation. He's in the military too? He's in the military. Is he's in? Will he be on disability? Probably.

Listen, there are certain benefits you get awarded when you sign that dotted line and you strap up some combat boots and that's what you get. Sure, but this is, but it's disability. It's not permanent retirement. It is labeled disability. Yeah. Like, I'm good with it. I'm good with it if it's like, yeah, I'd get the VA loan and all this stuff.

But like, that check I just wrote for taxes last week and all of a sudden everyone in the world is on disability. not permanent retirement. If it is a permanent retirement plan that we can talk about and we can debate that in Congress, you can debate that is the public in the voting population. This is disability that you have to say, hey, I'm disabled. Please give me disability. You have to prove it.

I know, prove. But literally everyone is able to prove it 100% of the people. But you get rated different. I don't know. I know. And you're not full rated. Yeah. I get it.

But this is like all I'm saying? Yeah. A lot of people do get it. But it's something that you earn. You don't just get it for all. You get it for something that you go through. Disability is not, if it was a permanent retirement, if it was the fucking, whatever, it's a pointless thing. The fact that 100% of the people that have had it on the show in our deficit is what it is,

I mean, it's 2% of the entire federal budget. It's chunky. 2%? 2% is chunky. How's 2% chunky? Cut 2% here, 2% there, 2% there, then boom, all of a sudden. I don't have to pay as much of taxes and can hire more people and invest in my business. Okay.

And we can fund things that whatever. I'm bringing it all together again to just remind you guys, go to dollarwise.com. You can bundle all of our educational programs together, including all our future ones. Yeah, you get access to them and the premium version of our budgeting app for 80% off. We created this new program called Dollar Wise Central. It is your one source of truth for all of your financial education and all of your financial tools. I guarantee you this will change your life. It has changed tens of thousands of other people's lives.

And right now, it is 80% off at dollarwise.com. Click those links below. It just shows that we do not care about spending anymore, do we? Where do you think your finances are? 010, 0 being the worst, 10 being the best. 0.5. Okay. If you want to see where you assess on the score of finances,

take the assessment at Calebhammer.com. It's free. Just take the quiz, and you'll find out, where you are and you can come on the show by going to caleb hammer.com slash apply. And don't forget, if you don't want to be like a guest on the show, download my budgeting app, which has been rebranded to dollar-wise. Download that, take the free trial, sign it for the annual version, and I'll send you our cookbook that cannot be purchased anywhere else. It's a budget-friendly cookbook. And I'll sign it,

mail it directly to you, and join Dollar Rice Central. And you get the class that she took and all of our other classes just for one much lower cost instead of purchasing them individually. That also signs you up for the budget app as well. It's a program that makes it much more accessible to everyone so that everyone can sign up. Go to dollarwise.com for that. Okay, let us jump in

to Bank of America, Bank of America, where 2% of the spending goes to you. What's going on with this? You see what's going on with it. What do you mean? Tell me what the fuck is going. Come on. It's a podcast. People are watching what is going on with this card.

Obviously, it's almost maxed. Is it? I don't know. I'm going into this blind. Okay, it's almost maxed. It's almost maxed. Yeah, it's basically maxed out. Why? What is going on? Because I spend a lot of money on it. It's the easiest card for me to use, honestly. That's why I use it so much. How so? What do you mean? Well, it's actually the easiest to pay off. That's why I use it so much. Which is why it's maxed out? Yeah.

Which is why we only put, even though we spent $620 on it, we put $380 towards it. This is the easiest. Well, it's the easiest to make the payment on because that's who I use to. for my debit account. So, like, it's to transfer the money from my debit to that credit card is easy as hell. Why? It's usually a button on an app. Yeah, but it's easier through that because then I don't have to, like, swipe to confirm. What's easy?

Blah, blah, blah. I literally just transfer from, well, yeah. So one more button and all we're incapable of paying on a credit card? I'm not saying I'm incapable, but. So we f*** our life on this card because it's slight, it has a little less friction to pay off. Slightly? Yeah. Huh?

Yeah, that's why I use that. card so much because it's the easiest one chip case. Why use the card regardless? If you are not able to pay it off and it is accruing interest in its borderline maxed out, $108 and $40.40 of interest on a monthly basis, and you can't pay it off. Why are we spending on it in general? Even if it is easy to make

a payment on. No, not pay off, but make a payment on because it has one button instead of two. Why would we still put money on a card like this? That is fucking you. That is preventing you from getting to the goal that you laid out when we started this conversation. Because I didn't have the money in my debit account.

Then why would we spend the money? Just because you get infinite money forever doesn't mean that you can just spend infinite money. It's not infinite, obviously. But honestly, there is a part of it. Let's just pretend like, okay, it's perfectly good. You should get that forever. Whatever. And honestly, the majority probably do.

I want to make that clear. But even still, let's just say, good. You get this, it's all chill. Mm-hmm. I think that actually hurts you because you know this money will come in no matter what. So why not just blow all our money? Because we're going to get this, even if we get laid off, we get our disability forever. And that gives you that cushion where you do not have to grind things out.

You do not have to actually cut back on risks because you get this cushion forever. So even if you 100% deserve it or don't, it doesn't matter. That I think actually damages your mentality financially. But that cushion, okay, you keep bringing up this cushion. That cushion is not enough to pay all of my life expense. Not all, but it is more than anyone gets. That cushion covers my rent. and my electric.

And guess what? Other people, when they get laid off, they don't have something that covers their red. Well, they can join the military too. No, they get something. No, it's not about whether you should or should not get it. We're beyond that part. I'm saying because you get this forever,

other people, Lindsay, she's right here. If this business goes under and pretend she doesn't have an emergency fund, she doesn't just have this automatic money that is coming in. So she has to prepare her life for a world where she would need to figure her, how to pay rent. You don't have to.

So because of that, you feel this, you are enabled to go and spend this money that you do not have because you do not have to worry about not being able to pay rent if you do lose your job. Well. Does that not make sense? No, it does. It makes sense. Then what?

So then what? What is your possible thing you're going to say? All I'm saying is, okay, so this card was also, oh, fuck, you're going to yell me even more now because this card was paid off. Like two years ago. Okay, yeah. That's what you brought up towards the beginning. Okay, yeah.

That card was paid off because I made more money. And lifestyle inflation is a... It is a real thing. Yeah, your lifestyle inflation I'm being told is getting a tattoo a single month. Every month is a single tattoo, which is not cheap. And you have a demigorgon. I do. It's dope.

It's expensive. Say it for what it is, though. It's dope. Yeah, it's you not setting money aside to be able to take care of it if you do get later. I enjoy getting tattooed. You enjoy spending money you don't have. Therapeutic for me. I enjoy it.

Cool. There are things that are therapeutic to everyone. If you can't afford it, you don't get to do it. A daily massage would be therapeutic. It doesn't fit in the budget. I don't give a f***. It's money. It's math. Yeah. So what are you talking about? I'm still going to get tattooed. I'm still going to get a fuck. No, no, no, no, no, no. To be clear, tattoo is more important than the future forever and after with a little twink, right? He's not gay. You have to be gay to be a twink? Isn't that what that means?

Maybe I don't know what that word means. It's a term of the gay world, you little homophobe. During Pride month of all months. I'm not homophobic. I don't know what the word means. I'm old. They're not fucking gay. They're dope.

She's being homophobic gay again. Ladies and gentlemen, cancel her. I don't like you. My tattoos are cool. And I'm not going to stop again because it is therapy. And I don't pay for therapy because of the VA. Good. And that's a good benefit.

Yeah. That's a benefit that makes sense. Which is what my disability is for. Listen. You pissed me out because you act like I don't deserve it. I didn't say to serve. I'm calling out the system. But we're not going down this.

Okay. We're not going to this and the right of the whole. It's not specifically about you. It's about every single guest has been on in three years. Okay. So I'm saying you are choosing tattoos over what you said was your goal at the beginning, which is you're forever and ever with your boy. Yes.

I haven't been tattooed in a couple months. Oh, wow. We laid off for two months. But you still said, I'm going to get tattoos. I am still going to get tattoos. So you are preferring that because you cannot fit it in a budget. You are choosing that over your future with him.

Because, again, they are conflicting. But if I get my... Then I can't afford to stop a tattoo. But getting tattoos while doing that is not getting your shit together. If it fits... It won't. It won't. No, it doesn't because you should pay off debts.

Well, you don't have any... You don't know how much they cost. Okay, how much of the demigorgan cost? $180. That should have gone towards debt. Yeah. Congratulations. But it's still only...

Okay, you don't like it when people say. But... Listen, you paid off debt two years ago and now you're in debt. Do not pretend like you know what the fuck you're talking about. I'm not going to say I know what I'm talking about. Then why are you trying to defend this? Because it's obviously incorrect. Because it's $180.

$180 that should go towards debt. If $180 is okay, you wouldn't be in debt, but you're in debt. So fuck you. Shut up. Okay. That is ridiculous. Listen, it's borderline max out. How long does this take the payoff if you only make your minimum fee payments?

And you do not make any purchases on it, which you're incapable of. Probably like 20. six years? 20 years. It'll be 55 and he'll still be 30. He's 10 years younger than me, Caleb. Not 30 years younger than me. We're getting Mishabreke.

We're getting KFC. They're a cracker barrel, Holiday Inn, Express, Patriots dinner, C-Conk, Grand Prix. We spent a lot of money on that. $425 in interest this year so far. So it's all bullshit.

Yeah. It's all bullshit. Max out of a card that we can't pay off. That is absolutely holding us back from our primary goal, obviously is not our primary goal because we prefer fun over our boyfriend. That's fun for my kids. That's all during that vacation. Fuck your kids.

You want them to have a good. No, not my kids. My kids are incredible. Let me finish it. Fuck your kids. Don't you want them to have a good father-in-law? Well, then you should reword that. No, that's how I speak.

That's dumb. You can't say, fuck your kids. Yes, you can't. They can't. Oh, no. Just because you don't have kids. Anyway, continue. Yeah, but I am saying your kids having

this fun right now. Yeah. When we're obviously trying to prioritize having a father in the household, but you are delaying that because no way is that man going to marry someone who's completely financially, he's not going to allow it to go to that next step. So the kids are moving in as well, obviously then? Yeah. If you aren't earning up to $5,000 every single year just for holding your investments,

then honestly, why are you even still with your broker? Today's sponsor, Silo is the world's first cashback investing platform. And if you deposit using my link, they'll boost your balance by 1% every single year for life. Not a typo. Every year forever. Let me break that down. I've got $100,000 in the S&P 500 V-O-O-E-T-F with silo. And that's a $1,000 bonus every single year stacked on top of the average 9% market growth.

And over time, instead of growing to $3.2 million as usual, with silo bonuses, it grows to $3.8 million. That's an extra $600,000 just for parking my money smarter. extra year is a no-brainer for 10 hours a month. And here's the kicker. Silo makes switching easy. You can transfer your existing stocks and ETFs in just four business days. And if your old broker charges those pesky transfer fees, Silo covers those as well, but only until the end of this month. So if you want to earn up to $5,000 every single year, don't wait. Use my link. Silo markets.com slash Caleb to transfer your brokerage for free while you still can. I've taken advantage of this, and you should too. Let's get back to the video.

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the age where I want them to enjoy things and have memories. But listen, but it is your mistake that you went from debt free two years ago. And no, it is not thanks to David Ramsey. No, it's not. But my kids, my fuck-ups are not my kids' fault. So my kids still deserve to have fun. However, they have to deal with the consequences of mother's fuck-ups. That's how it works when you're a parent. No.

They can deal with the consequences of your actions. They can deal with the consequences of their own actions. Who would have thought? Your actions radiate to other people. Who would have thought that your actions actually impact people outside of yourself? Who would have thought? Welcome to motherhood. It's almost like I've been doing it for a while.

I know. Yeah, and fucking it up. I'm not fucking up, parenthood. I'm fine. And your finances impact them. When my parents were financially it impacted me. Doesn't mean they were bad parents,

but that finance is still impacted me. It doesn't impact them because they still get to do what they want. On your credit cards and then your credit cards are going to get maxed out. You're going to get f***. And I have to pay for it. You're going to get repoed.

They're not going to be up taking places. When your credit cards are maxed out, you won't be able to afford to take them to the next things. then they have all these nice things that are used to doing. Then they won't be able to do it. They won't be able to do the sports things. They won't be able to do the extra things.

You won't be able to buy them in the next. Minecraft when that comes out so that your kid can play with his Mikelap friends. It's not Minecraft. It's my daughter's hair. And guess what? When the credit cards maxed out, you won't be able to afford that because you already said you don't have enough money in a drug account. So you are fucking her over. And you don't have a safety net.

You've pulled from retirement. Your safety net just covers rent. Good luck for your food if the boyfriend doesn't want to be there anymore. You are putting them at risk. If you do not see this, this is incredibly dangerous. They are not going to be at risk. How? Just because you don't want it because it doesn't sound nice?

That's not how this works. No, because my bills get paid first. Bills and necessary funds to get paid first. Until you can't. People don't pay bills sometimes. I had foreclosure notices on my house growing up because financial consequences have actual consequences. You could end up there.

You don't know if he's going to stick around. You've only been dating for a year. Even without him, I've been obviously paying all of my bills by myself. Incorrect. You're two years into maxed out debt. You are not paying bills. You're going into debt, lady. That is not paying bills.

Going into debt to buy bull. I can't believe I have to draw this fucking diagram. But apparently I'm dealing with a child. Should have sent you back to fucking grade school outside of the military. Hey, lady, if this are your needs. This is all your income. That's your needs. Actually, no, the full thing is your needs

because you're taking care of it. This much of our total income on PS, how do we do it? How do we do it? Oh, we put it on a credit card. Meaning you're actually in order to afford this bullshit right here. You are delayed it and putting it over.

You're breaking the marker, Caleb. Calm down. Jesus Christ. Wait, push that thing. Yeah, yeah, yeah. You are pushing it over. You are pushing it over to the credit card. You're gross.

Lindsay, I have broken your You already broke it. She said you broke it last week. We need stronger. I think if you just push the top piece down, it'll be okay. Hush now. Sorry. No, because of your bullshit, you are essentially in a mathematical way putting your needs on a credit card as well.

You're just choosing what is being put on credit cards and what's not. You cannot afford your life. You are not paying your bills. You are going further into that. Fuck you. The fact that you do not see these consequences of your actions that you do not see the potential why I have in example. tidy around it that you do not see what consequences you might face are going to put your kids in a

dangerous spot and it is not fair to them and it is because of your motherhood. That is the reality. Okay. Quick Silver. What is going on? Mother. That one is also close to maxed out. I think the maxed on that one is 2,600 and it's at 21. So also almost maxed. $68 minimum monthly payment with a balance of $2,102.46. Yes. Borderline maxed. Close to it. You'll be there before you fucking know it. You spent $1,0.40.46 on it with interest of $47.52 hitting 13 years to pay this one off if you don't purchase.

And we know that you can't not do that. So what are we doing? Oh, good. It's the important things in life. Waterburger. Creations by. Cookout. Westbrooks coffee.

Hotel.com. The karate resort. The karate. It's Calahar. That's not Calahari. Oh, Cartwright. Cartwright. Yeah.

Cartwright Resort twice and then Hotel.com again. Or is this fucking around. Wait. Can I see it? Let me see it. No, seriously, let me see it. Because, okay. Wait, you bought your kid a horse?

Yeah. What? You bought your kid a horse? Okay, this is two charges. Hang on, we can talk about the horse in a second. This is two charges because that's a, it's a resort hotel, but it's also like a. I don't give a fucking. It's all bullshit.

There's not one necessity on there and you bought your kid a fucking horse. I bought her a horse for her birthday. You don't. Your finances are, you're getting, you're buying a horse? Yeah. You know, the horse doesn't live with us. Which means it costs money to store somewhere. Nope.

She lives at my dad's house because my dad has 11 acres. And you don't have to pay for the food. Your dad has chosen. I pay for the food. I don't have to pay to board the horse. And doctor appointments? I have to pay for her to get shued and I have to pay for her dental. What I don't know.

I did it with a horse's tooth. But. What are you doing? Why? My daughter wanted a horse. Yeah, and it's not even at her house. No, but we see it. How far away is father?

Just like seven hours. Oh! But again, I have six days off and my kids are homeschooled so we can go during my six days off. Schooled. Yeah. They are. They are. Sake.

Well, it's summer now, so it doesn't matter. I'm sure they're learning just as much. That's. That does a f*** move. They do learn. Karma. Ew. Yeah, ew.

I agree. How much is the horse? I pay like a grand for the horse. Oh, yeah. And any, when you get to my checking account. The yearly maintenance is not cheap. Yeah, when you get to my checking account, any Zell transactions that you see are to my dad for the horse. And it's seven hours from you.

You're buying a fucking horse for your kid. Yeah, she loves her horse. She named it. She gave it. she gives it everything i got her i hit listen if my if she didn't get it i would have bought her something else that would have been probably just as expensive like yeah sympathy buying things because you won't let her go outside monday through friday she got they go all day they do school from like nine to noon and then they ride their bikes and do what they want nine to noon quality education

no it's set up when you go to regular school you're in however many other bullshit classes how's what how old's the horse uh uh like five. They live to like 30, right? Yeah, they live until they're like 26. Great. What a commitment you've made. This wasn't a one-off spoil.

You're committed to this for a very long time. Yeah, I am. But if I... Listen, I have to keep things even across the board because, like, so if I buy my son something, like... Oh, for fuck take you. What are you doing? I bought him a PC for his birthday.

I had to buy my daughter a horse. And Morgan Mollinton took us. When was the last time your son has seen the son? He sees it every day. They ride their bikes all the time. They do. We live in like at the end of a cold attack. I'm just a little concerned that he's homeschooled

and just plays Minecraft all day with his friends. He doesn't play Minecraft. He plays like Rainbow Six and like Apix and like that. And he wants the new GTA, which I'm not buying for him, but he wants it. But he earns his own. He'll fit it in the budget for him. No, he earns his own money because they have greenlight accounts. I'll fit it in the budget for him.

They do chores. It's already, well, it's not in. the budget because I don't have a budget. I'll do a GTA budget. No, he doesn't need a GTA budget. He does chores. He has a fucking shoot. Listen to me.

He does chores to earn his own money so that he can buy that he wants, like his bull-skin or his games or whatever he wants. Well, he's going to be looking at all the skin and GTA. I'm sure he already does. He has a cell phone and he's 13. I'm not an idiot.

You didn't make it gross. What do you? You just wiped your nasty coffee. spit all over the paper. You're calling me gross? Whatever the hell it was. It was disgusting. You want some? No. Want some coffee film? No. Calm down. I'm going to go downstairs and get coffee when we're done.

Don't worry. Boyfriend will pay for it. He better with his disability. He doesn't get disability. He doesn't get a duty. He's so much of duty. He's still active duty. I mean, allowance can be good. I like that. I'm vibing they're working with it, but how much are they being paid? They get 10 bucks a week. They have to complete their chores. Love it. No. Mark it off. I vibe with it.

10 bucks a week. I vibe with it. How much was this computer you bought for him? $6.50. Okay, so it sounds like you do not actually balance it out. He gets other... Does he get upgrades for the next 25 years while you pay for the house? Well, he got...

He got DLC for Elden Ring. The last DLC that came down. You're paying for the horse for 25 years. He gets other... For the next 25 years? No, when she turns 18, that horse is her problem. That's not my problem anymore. Oh, what a gift.

Here, here's an expensive thing that you have to deal with for the 50s. She wanted it. She's 11. Yeah, that's going to be her problem. She doesn't know what she wants at 18 from 18 to 35 when she has to pay thousands a year. And if she doesn't want to deal with it after that, then she can make the, she can sell it. People will still buy older horses. She's not going to be like ancient.

So you're going to make her have to sell a horse because that's sad. That's her own decision. That you are making her choose at 11. No, at 18 when she's an adult. No, 11, you are being like, here, here's the thing that you either have to sell something you love or spend thousands of dollars a year for the next 15 years of your life. starting at 18. That is what you've given her. Well, if I fix my...

It's like giving her a $5 gift card to best buy. You know you're just going in there and making them spend another $80 at minimum. But if I get all of this taken care of, then I can still help her pay for the horse. Yeah, so there you go. So now you're paying for it for the next 25 years. Well, then I'll pay for it for the next 25 years.

And you're okay with that. If I have to, then yeah. What a joke. You do what you have to do if you... But you didn't have to do this lady. Yeah, I did. Okay, but I made the choice. The choice was made.

But the fact that you are just fully okay with it suggests to me that we will make as equally as an absolutely incredibly dumb decision later this year. Probably not. That's why we talk about what's happened recently because judging based off of your responses and how you defend it, how you feel about it. That just shows what's actually going to happen. Okay. Going forward still, we have an Apple card. What's going on with this? That one's the easiest one to use, so it gets used all the time.

Are you fucking stupid? You literally said that for the first. No, no, no, I said that that one was the easiest one to pay off, the Bank of America. Off. Classic Tennessee action. We'll pay off. I'm from the Northeast. I'm paid off my fucking credit card.

I didn't say I grew up in Tennessee. Okay. Oh, my fucking. Oh, a bottle of a horse. Hey. They th. My apple card. Are you done?

Yeah. Anyway, I didn't say that that one was the easiest one to use. I said it was the easiest to pay off. This one is the easiest to use. $2,22. $1.88. God damn. I can't even speak in this.

Maybe if you speak like a proper American with Kentucky. Okay. Well, I can't help where I was born. So, this one's the easiest, so you must be spending. Like crazy. Oh, we do.

It's just like bullshit on the last two cards. This is the third card, which is also continuous bullshit. Apple, scooters, Apple, Dutch Bros. Apple, Starbucks. Nothing but cake. Those for my son's birthday.

I don't give a fuck. Happy birthday. Happy birthday. You're 13. He needs birthday cake. Go out and mow the lawn, you a little. He's not. Apple, Apple, Apple, Apple,

Mythical Society. Yeah. Guarantee you, it's not as good as our YouTube membership. It might not be. But I love Rent and Link. I do too, but... And my kids watch them too. Well, yeah, they shouldn't watch me.

Yeah, exactly. They do, though. You bleep it out, so it's fun. It's true. But I'll leave this one in specifically for them. Cunt. Don't bleep it. You might get demonetized.

No, not that. far in. Pull out your phone. What do you want? I want you to open your phone. Okay, to what? For me to snoop around. 26.24% interest rate

with $190 of interest this year so far. I'm not looking at naughty things. It's fine. Oh, we have lots of little app purchases in there, so I've got to see what we got. We have every dollar plus. That's fine. As long as you're using a budgeting app,

I of course prefer dollar-wise the one we made. I don't like it. I don't like that app. When's what I use it? I use it. Well, at the, end of the month when I like did all my budgeting from well not which half don't you like every dollar yeah it doesn't connect to all accounts number one ours does now number two it's very convoluted

ours isn't with like it will sometimes think that things are expenses that aren't like if you make a payment on a credit card it counts it as like the dollar going up we've implemented uh expenditure rules where you can go in there and say this is not actually spending this is putting money to a credit card we fix that we actually do that yeah So I have to like change it. If it's a credit card payment, I have to change it from thinking it's like income or whatever. So we have every dollar plus. You get ours for free forever now.

So you can just cancel that. And then you Google Photos, happy scale. Yeah. That's to monitor my weight. You need to spend money on that? Well, I pay the premium so that I can keep track of like. Your fitness pal is free. But that keeps, oh, I don't know if my fitness pal does the same thing.

That keeps track of like overtime. It does. Like whatever. Well, that's why I pay for it. But you don't have to pay for my fitness pal. Okay. Not a sponsor. Then I'll do that.

Okay. And then ICloud Plus. We had what colors premium. I am daily affirmations. All right, calm down. That's for my kid. That's my daughter's phone. Huh?

My kids have subscription. The what? The fancy widget things. Your son's applying to LinkedIn? Oh, no. The LinkedIn was mine, obviously. EMT subscription. My fitness pal, there it is.

That was from a long time ago, though. Snapchat. You had Snapchat. Plus, I'm glad you canceled that. Lose it, premium. Really trying every app we can get, huh? How old is that, though? Yeah, at the end of last year.

And then trap call, reveal no color ID. Yes, because somebody was calling me and telling me, saying disgusting things to me. So they were calling me on a no-collar ID, so I downloaded that so that it would show me the phone number that they were calling from. What were they saying? Gross.

But what kind? A male person, a man, was calling me and saying, like we used all the time and do-da-da-da-da and I was like, who the fuck is this? I don't even know who you are. And he was like, enjoy the herpes and hung up the phone. Yeah, that's weird. So I wanted to know who was.

What? Oh, I get tested every year. Why? You have one guy. What do you mean? Well, yeah, what if he does something? You guys open? Plus, we have only been together for less than a year.

You don't trust that. You don't, no, hang on. Hang on. You would do something? Listen. No, who doesn't. He wouldn't do anything. He wouldn't do anything.

But we have also not been together for, we've only been together for a little bit under a year. My last partner was a long distance. All right. She doesn't have herpes. I'm announcing it here. My goodness. You're being sick.

You're dramatic. I'm just trying to move. Question, Caleb. I know. And then you rambled. Well, you bought a dad mug and a baseball. Not much on Amazon. Okay, but we do have three things in the cart.

We have Ben's original ready rice jasmine flavored edition. Three of them. Yeah, I buy that for my work for my lunches. I wasn't for, calm down. I wasn't freaking out. about it. See? I do the right thing sometimes. It's within the collection of everything else. Who knows? Who knows? Who

absolutely knows? Okay? Oh, my f-you-have-a-credit one card. I don't use that. That is the dog of cards. I know. And I got that when my credit was like a 5-10. That was the only place that would approve me. I got

approved through them and then the capital one. What? You have a late fee. No, hang on. Hang on. Hang on. Yes, you do. Calm down. Okay. But you do. I do. You're right.

I didn't say that I didn't. Calm down. It's because when I, okay, so I called them to close that card, right? And they were like, we'll waive the fee for six months. So they waived the monthly fee for the six months. And then when it started back up, it was on autopay. And then it wasn't on auto pay anymore. What?

That doesn't make sense. How can you be on and off auto pay at the same time? No, I think because I stopped the auto pay. Why did you stop the auto pay? I don't know. It was a, I don't know. So you deserve this late fee. Yeah, I do.

Because I didn't make the payment. I f***ed it up because it was on auto pay and then it wasn't. Why didn't you close the account? I tried to. Every time I try to call the, okay, these people are like terrible. Yeah, card of ones hold. I know you hate them. But they are fucking awful because I've tried to call them like three times to try to

close that card. And they every time are like, well, we have the fee for six months. And then I tell them, no, I still want to close the account. And they go, okay, we'll just up your limit. So now my limit's at like $700 instead of, but I don't, I don't even have that card. Like that card has got cut up like six years ago. I haven't seen that card in forever. I don't know what it is.

But yeah, I've tried to close that account several times and they just bully you into like not closing it. Well, don't let them bully you. I try. Stand up. I suck. We'll have the boyfriend. Half on the mic.

Listen, you're not a credit card person. You can't use credit cards. I know. For you, I'd use the Fizz card. It's a debit card that builds credit. It's pretty simple. I'll also get you connected if you ever want to get, you know, resume beefing up with like a course career certification.

and also because of your guests on the show we'll get you into therapy with Sondermine, which I use and I recommend for the audience as well. So lots of things we can connect you with, okay? Okay. Amazon Chase Cardwell, we just looked at the Amazon. Mm-hmm. Wasn't too much on that, but yet the balance is horrendous.

A little bits of purchases, you paid a little more than your minimum fee payment. Miner of the payment is $60. It takes eight years to pay off if you don't purchase, but you did. And then $43.49 of interest accrued. That's not a purchase. I mean, it technically is, but that's crime thing.

And the balance is $1,743.49, which is borderline. Again, close to the max, just like all the other ones, except for the credit one. No surprise. So what's happened? What's up with this card? Why is this still so high? $180 of interest occurred this year so far. We're at least a $2,000 of interest this year.

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And you can try In Video AI for free right now. Honestly, it's going to save you hundreds of dollars on editing, animating production, the whole nightmare. Let's get back to today's episode. But I'm, you're going to kill me. What I want to do is... You say that a lot. I do. Yeah, because I... I have problems. What I want to do is get a due balance transfer. Why?

I'm going to yell at me. Because it's zero percent interest. Yeah, but why would I say don't do it? Because I'm not a credit card person. No, why would I say don't do it? Try it again. Oh, because you're not clearing out the debt. You get a false sense of like...

That's what David Ramsey would say. And he is true on that, but why would I not say? Come on, you watch the show. I don't know why you do. Really? Yeah. Because you're just going to get... You're just going to rack this back up all of the...

the way again because you haven't changed your behavior. I'm okay with you taking tools like debt consolidation. I mean, we have that. One of our partners is that for student loans, and I'm okay with that. And again, I'm okay with bankruptcy. I am okay with credit card balance transfers, but not until you change your behavior or else you will just ramp up the debt again. And then you'll be in a worse position because then you have double the debt to pay off.

And we've seen it happen with guests on this show. So you can do those, but not until you change your behavior. And still last month, even though you brought him more money because you pulled out of your retirement. Yes, those! You are not credit card transferring, consolidating, bankruptcy, no. And they're telling me you think this is the magic bowl to get things back on track.

Fuck you. Not until you prove you've changed your behavior through budgeting for at least three to six months. Maybe actually take the budgeting class this time. So then, I will. So then at the three months, then I'll open up the $20,000. If you prove it perfectly. Yeah. You have to actually make progress on proving that you're paying on.

debt and you're not spending money on bullshit in your budget. Okay. So then in three months... So if you come back on the follow-up channel in three months and you approve that, I will give you the green light. But if you come back on and I see you've been fucking around, fuck you. Absolutely not because you'll just do yourself damage.

Well... Well, what? I'm probably going to do it anyway. Yeah. If the behavior won't change. Why not be like the meeting and guests on the show that's paid off 10,000 and 10 months? Why not be like a better person? Why not improve your life

For the sake of your kids and future husband Why not Prioritize just your fun self Over actually improving your life Why the f***er not? Shut up 28.24% Rather not paying interest

Because then you will just build up the debt again I've seen it time and time again You are not going to be a unique subject You got to follow the system Best egg What's Best Egg? A personal loan For fucking what?

From when I moved to Tennessee. Because, and you're real... See, this is why I say it all the time. I had a lot of money saved up, which was... I know, okay, a lot is not a lot, but I had like 15 grand saved up.

Yeah, that's a lot. And I didn't want to, which was dumb, but I didn't want to pull from my savings because I was afraid I wasn't going to put it back into the savings. So I took out a loan to get the U-Haul and move everything.

What? No? Keep going. What the f f f***? Why was that a question? Keep going. That's the end of the sentence. It's at a 17% interest rate.

I know. That's insane to take out instead of keeping money in your savings. Because even at the best savings, you're getting like 5%. I know. Yeah, that's what my... My high yield at the time was at like 4 or 8, because that was when the rates were really high. But the...

Yeah, that's why I did it. Because I was afraid I wasn't going to put the money back into my savings account if I didn't... If I took it out of my savings. I had myself convinced. So instead... Yes. Later, we pay a 17% loan.

Great. Yeah. And this was to move? Yeah. 17% interest. Miner monthly payment $190.49.41. Current balance, $3,371.41. When did you take this out?

One was it? 20, 22. Oh, my God. Three years ago. Yeah. And we're still paying it. It's not going to be paid out for years to come. Probably.

What a joke. It's probably like three more years. And now you don't have anything in savings, do you? No, I have like a grand. Oh! So it didn't even work in the end regardless. No, because I used the money in my savings for my down payment on my car. Yep.

So there's a car loan in here? Oh, yeah. But I love my car, and I will never sell my car, so don't even suggest it. Oh, great, a piece of metal with wheels. That's what we are damaging our entire life for. I don't care. It's a Toyota. It'll go forever.

Oh, for... I don't know. We'll see. We'll see. we'll see Is that what one main financial is? Nope What the f*** possibly is this?

Because this balance is insane Yeah, that's a pre that's precomputed By the way That's why the balance is so high Because it's precomputed That was a debt consolidation loan That I did not change my behavior for That I'm paying for

So are you willing to do it again? Are you fucking kidding me? No, I'm not willing to do it again What do you think of balance transfer? But I see how much this sucks You just said you're going to do a balance transfer again regardless Yeah, but I see how much this sucks. sucks. You're not listening to me.

The what are you talking about? You're not listening to me. This sucks to have to fucking pay this off and then still pay off all these credit cards. So I don't want to do that again. Okay. You can do this. You're going to do a balance transfer regardless? Because I don't want to do that again.

That's what I'm telling you. But then your balance out of that credit cards are going to go to zero and you're going to build it all the way back up again. It's going to be the same thing. Why would I do it again when I see how much this sucks absolute. Because before. And just like everyone. else that does this, you will do it again because that is your behavior and you do not change your behavior.

If you don't change your behavior, I got you there, you're going to get there. Like I said, if I changed the behavior. But you just... You're worse than my kids, dude. Huh? God, you like throw tantrums. Do you know that? But at least I'm trying to achieve something positive where your kid just wants to go to great little f***ing lodge or something. We don't, we've never been there.

That, I'm telling you, sucks, and I don't want to do this again. I don't want to have to pay this. Yet you will because that's what everyone does. Almost $600. You are a unique individual. You are not. I'm not saying I'm unique. Any other fucking human that exists on this planet.

I'm not saying I'm special. And trust me, you're like every veteran that exists in the United States. So. This is my fucking point. If you take it down 17 notches, this is my point. This is my point. It sucks to have to pay a $600 a month payment on this fucking loan and still pay off all these credit cards. That means nothing.

That means nothing. That's what my point is. That means nothing. Well, then it means nothing. You know, it literally doesn't. because I've seen other people do this. You're going to be just like them if you think you're not unique. And like I just said, if in three months it's different,

then you can't talk and you can't yell at me for opening up a bad. Yes, I agree. I would love to have a positive follow up with you. All right. Nothing indicates we'll have that so far. But people have proven me wrong before. We'll see if you do. But people have also given me positive hope and then they've come on and they've gotten worse.

So there's multiple things. So balance $29,092. Minimumpty payment is that. The minimum they pay is like 600 bucks. Oh, fuck it is that $290 times too? Yeah. Because you pay it twice a month. It's $581 and $84 a month.

That's insane. Yeah, it's more than my car payment. What's the interest rate on this guy? Like, fucking 20-something percent. Oh, 24%. Yeah, it's terrible. What are we doing? And yet you blow all your money going out to you and having fun

instead of actually taking care of this. Because you talk about how bad this is and how much you regret this and how much you want this gone. Yeah, you don't put anything extra to it. All you do is spend 3,000 hours a month on bullshit. What I've been putting extra to is my balance because Snowball is the method that I think will work. You spend three.

When we talk about Snowball method, if we're talking about David and if we're talking about me, no one says go blow 3,000 hours a month on bull. And then spend money on your credit cards as well. Okay, but I'm telling you what my extra goes to because that's why I'm not paying extra towards this. extra, you spend more money than you make. What are you talking about?

You don't have extra. You just move things around and you pretend like you do. No, you don't. Shut up. You're right. That is not true. Okay. What the fuck is that?

Student loans? Yes. Isn't that one of the benefits that you get? Yeah, the government paid for like four, like three degrees for me. Oh, for for sake. You're getting this many degrees and your only... Hang on a minute. I started with...

It's just a waste of time. It's an opportunity cost for you. It wasn't... This is a very, very long story that was super... But it's as short as possible. Yes. When I started going for my associate's degree, I told them I wanted to do something medical. They said we have RN or OTA, and I chose to do RN.

So if you do all the prerex for RN, you end up with a general studies health science degree at the end. So during that time, I did a phlebotomy course so that I could get my foot in the door at a hospital. I need a lobotomy after this one. They don't do those anymore. I know people. When I became a phlebotomist, I realized I could not be a nurse because I can't deal with people. for 12 hours a day. Yeah, I'm starting to learn that.

I don't like people. So I realized I couldn't do that. I'm glad you homeschooled these kids. The phlebotomy professor was, my kids are very peopley. Anyway, the phlebotomy professor taught the lab science program and she was like, hey,

apply for the lab science program. So that's what I did. And I got the two-year degree, which is an MLT, and then I went back for my four-year degree, which is the MLS. That's how I wound up being an MLS. But they paid for both of the associates degrees.

Are you paying on these? Yeah. Some of them are, 8%. Only one of them. One of them is at 8. The second largest. Yeah.

One of them is at 8%. That's pretty chunky. That is what I had, the remainder of what the government wouldn't pay for for my degree. $21,503. What's your minimum monthly? 250?

Yeah. Okay. So it sounds like you're on a traditional payment plan. Yeah. Good. I prefer that. Gets rid of them in just 10 years. Yeah.

But that 8% one, I would try to attack that. Toyota. Okay. Okay. So here's a special little car that you'd go on over. And I'm at 4-9, so that's a better interest. Yeah, it's better than what? Well, I'm saying it's good. It's better than what I've had.

It's fine. Yeah, my first car was like 26%. Well, that's you being a moron. Yeah, because I didn't have credit. I had credit. You still signed up for it. Yeah, I did. Okay, so our balance is $20,210.30.31.

The minimum monthly payment of 508. Yep. That's chunky. Mm-hmm. Did you really need this much car, though? How much is it worth? Like 26, 27. 28.

Yeah. Toyota holds their value. You know what's good? Don't tell me to sell it. Sell it? No. Sell it? No.

Sell it. I have it over halfway paid off. It doesn't matter. Listen, with the fact that we can wipe off $20,000 to debt, and you can get basically a paid-for car. You can get a paid-for car with the equity position you have. Basically, the extra $1,000 saved up, and it will be. a good car. It will be a fine car that is comfortable, safe, reliable that you get signed off by multiple mechanics. You're not willing to sacrifice anything. Come on, this is like the literal

easiest sacrifice you can do and you're not willing to do it. It's a car who gives a car. But this car is also safe and reliable. The car I had broke down. We will get you a safe and reliable car. Cars weren't all magically dangerous five years ago. We will get you a safe and reliable car. I don't want to sell my car. You don't want to do? I don't want to do a lot of things that I need to do. I don't want to have this conversation, actually. But it's my job. But it's my job. So, I'm here. Well, I'm not going to sell my car. You're not willing to do anything.

Then why the fuck am I talking to you? I'm willing to do things, but I'm not going to sell my car. No, this gets rid of, this gets rid of borderline 30% of your debt. It gets rid of a minimum monthly payment. This is $508 on a monthly basis that can go towards paying off other debt quicker. This accelerates your process, so much quicker. What the fuck are you talking about? Why the fuck am I entertaining my time with you instead of someone who's actually willing to do something?

What a joke. That is going to pay. piss me off, like, actually. Because that car is going to hold its value. That doesn't matter. This is talking about paying off your debt. You can have a $10,000 paid for a car that we get approved by two mechanics that will last two years, reliable and say for you and your family that you will be able to

take them around and that you are able to then translate, that's going to be a paid off, paid for car. You're going to translate this $508.79. You're going to have lower car insurance because it's not on a f***ing leveraged car. So that also helps. My car insurance is cheap. It's going to probably be even. cheaper and then you're going to roll these minimum

monthly payments over into your credit cards that you'll pay off quicker. This minimum monthly payment pays off your Amazon card in three months. Alone. Just this minimum monthly payment. This accelerates the process immensely. Come on, you have to be willing to sacrifice.

Come on. I'm willing to sacrifice, but I'm not. No, no, no, no. I'm being so serious right now. I'm being so serious. I know we're with each other a little bit and it's fun. We're having a good time. Okay, good. Listen. This seriously, you can get this car, you can get a nicer car in a couple years again. This accelerates your process so dramatically and it is so worth it. It is so worth it.

It is a temporary sacrifice. You have to do this. Please, please, please. For you, I know, come on, I've been through the process. I've paid off debt. I've helped other people pay off the debt. We've done three years. We teach classes on this.

Okay? We've built programs. I've talked to experts. We've worked with experts. This is the clear path. The alternative. No one would suggest the alternative. Come on.

I will take a harder path to not get rid of my car. I'm not. What a point. It's so pointless. No, I'm not going to, I have been paying on this car for two and a half years. It doesn't matter. Don't sunk cost it. Don't some cost it.

It's not a sunk cost. I only owe 19 something and it's worth 20. For a few years. Why make that excuse if it's not a sunk cost? It's going to hold, clearly it's going to hold its value. I owe less than 20 on it. It will, but that's not what matters here. What matters here is paying on it.

off your debt because your debt situation is scary and it puts your family at a risky position and this is about your family not you enjoying the seat that you're sitting on while you're driving somewhere that car is safe for my kids we're not going to get a dangerous car i'm not putting you in a i'm not saying you're going to put me in a fifties then why bring up that argument because argument i had a good car before this that broke down on me like with my kids in the car i'm not going to get you in a car that is not signed off by multiple mechanics before you sign that one on too. Exactly. Well, that, what? My brother and

my dad are both mechanics. They both agree. No, we don't use family. We don't use family. You are using impartial sources. Okay, you're right. That is correct. However, there's always every argument you make there's a hole in. That car was still signed off by multiple people. That were your family. Or family friends, yes.

Also still shouldn't be doing that. There's a look it up. There's a lawsuit against Keith. There was a lawsuit against Kia. It might have been settled by this point. But there was a lawsuit against Kia for their It means you get something, probably. No, they gave me a new motor. But I was not willing to... I wasn't going to keep the car that just broke down with my kids in it.

When two and a half hours from home. Fuck off, it's not about that. That doesn't mean you can't get another car again for the rest of your life. That isn't toy fucking Yoda. That's why I got this car. That I just said it wasn't toy fucking Yoda. What do you mean? That was a Kia.

I like this car. I'm not going to get rid of it. You're a joke. That? prioritizing what you like is bad finances. It's not just about likes. That car is safe, is reliable. I'm not getting you a non-safe, reliable car.

You can't bring up that argument. We're not getting you a bad car. That is a false argument. That is a cope so that you can keep this car. You are lying to yourself, and you are putting this over the future of your family. That's disgusting. Maybe we can revisit it, but at the moment, no.

I'm not willing. saying that to move on. That fucking bullshit. I'm not going to hear it. You. What a joke. Good job, mother. Of a kids who you can make their lives better. If you were actually willing to sacrifice for a little bit.

Come on. What a joke. Disgust me right now. Okay. That pisses me off. That pisses me off. You have the easiest path to get towards this. And you could take in and accelerate 500 hours a month a little more,

maybe an extra 50, month with car insurance towards your dad pay off your dad it'll be quicker fuck off this is a fun one i get to get you free money and then i get to get myself free money it's a pure win-win for both of us what do you have to do sign up for a so-fi high-yield savings account and get a welcome bonus of three hundred dollars sign up for acorns using my link and get twenty dollars instead of the usual five dollars finally sign up for silo and earn up to five thousand dollars and cash back on your own stocks these offers have been negotiated to give us both more money than using traditional sign-up methods.

So use the links in the resources section of the description below and get yourself $5,320 right now. $50 in your checking account? Yeah, let's keep a $500 minimum payment around that we can't afford when we have $50 in our checking account. That's smart. Good thing we don't have a family. Oh, wait.

Spotify, $20. Did they raise prices or you got multiple people on there? I have the family plan. Time for Learning.com. Canva. Stop it and getting some BS. You know what? School is free. Public school. Clarno. We're clarnating things. Great. Welcome to the future. Ladies and gentlemen. Zelling out to dad, $16-76.

Coffee. Olipop, drink. Great coffee. My gosh, ladies is coffee. Academy sports. So not only do we have minimum payments that we can't afford. We also put B. B.S. We also put Bs in here. Academy Sports. Cookout. Guild Vaults games. Dutch Bros. Arby's, McDonald's, sushi, Bahama Bucks, fitness stuff, Baskin, probably Baskin Robbins, I'm assuming. More Klarna, great, great, great, cool, great.

Pull it your Klarna for me if you could. I don't have it. I don't have it. Good, you deleted it. Yeah, I don't use. That was the last thing. Because this is insane. Waterburgers, Zaxpies. What a joke. What a joke. What a joke.

Where's your savings? $1,000. $4.1.K? Yeah, it's down to $579. What? What a ch- Fuck me up. What are we doing? 7,200 comes in.

Your rent is $2,000, you said? Yeah. What's your rent going to be when you move with him? Like a grand-ish. Okay. What's your utilities right now? $350, total. Minimum of monthly payments is as much as you rent.

$1,884.4. Food. You only have them every other week. I think we could do groceries at about $650 a month, meal prep. I don't care if they like it. It doesn't matter. You're sacrificing phone bill. $200. Do you not own your phone right out? Mm-mm.

When you do switch the healing, if T-Mobile's good in your area. Yeah, that's who I have. Then you switch the healing bill immediately because it's the same service. Gas, a room-room drive, drive. Like $300 a month? Car insurance. 100. TP fund, you and the kids

Anything else you need to survive? They're not with you always So it doesn't need to be crazy But $125, actually, no, let's do $200. Sorry. Medical health care, insurance, co-pays for kids, prescriptions, anything? Jim?

So you go to the gym, how much? No, I don't pay for it. So subscriptions, no. I'll give you $30 to subscriptions. Do you have any pets? How much for the horse a month? How much for the horse? I really don't know.

I don't know. Think. Let's budget something for the horse. Like, we'll say 75. Any other pets? No. Good. Anything else that needs to be in your budget. Speak now or it doesn't exist.

Anything? No. In September, you move in or August? August, yeah. So that's coming up soon. Yes. You need $5,789 and $4 to survive on a monthly basis, which gives you right now an extra

$1,410.96. Debt-free so that we can live a less risky life with kids and we can set them up for success. So you've completely drained your college benefits, meaning that your kids are not going to get anything, correct? Kids don't get anything anyway, unless you're rated 100%. For college? Yeah.

$85,023. $25,023. $94. cents of debt, $1,410 going smallest, the largest. I do agree with that, but you can't purchase on any of them. That still takes 60 months now. That takes five years. Five years is unacceptable.

Five years, you're 40, basically. But 85,230.94 divided by $2,4,410.96 that you'll have left over after you move in with him. That takes 35 months. substantially better. That is three years. Not great, but better, and acceptable. $85,000, $23.94, divided by a total of $3,000, which is what you would have once you move in with him and didn't have a car payment. That is 28 months. That takes two years and one quarter. That sounds better for the sake of our children, for the sake of our family, for the sake of potential marriage. That is what I would choose to do.

And then you get your fully funded emergency fund. Then you start maxing out retirement because, oh boy, you got to catch up. You probably got to do about 30% to retirement, 20% to fund, 50% on needs. But that's what I would do. I would take all the money I save on rent and throw it towards debt. I would budget strictly. I would pay off my car and throw the monthly payment towards debt. Let's see if you actually do any of that on the follow-up channel.

Okay. Guys, join us for the post show. join hammerly it's the second largest membership on this whole platform for a reason because it is the best on the platform youtube has told us that themselves um you can join us in the post show here in a little bit we're going to bring in the boyfriend and we're going to digest everything else happened here okay we'll bring in my producers too because they have more information about them spending in a budget let's get your hammer financial score spending a budget you overspensos zero out of ten your debt some of those loans are just horrific i'll give you a two out of ten

just because at least you have a strong income and you have that thing coming so it's like debt to your income situation. Emergency fund, there's a thousand, so one out of ten. Retirement just started one out of ten. Real estate zero out of ten. It's going to be a hammer financial score, rounded up one out of ten. Guys, make sure to join Dollar Rise Central. It is just a much lower cost, easier to access,

where you get access to the premium version of our budgeting app, and you get access to all of our educational programs, plus all future ones that we make. So join that, go to DollarWise.com. Now go join us for the post show for an extra 20 minutes of this episode. Caleb says on the show all the time, why are you getting married

before you get your finances fixed? Yeah, I love my car. Okay, but if I say, I'm not going to marry you until you're out of debt, so you can put that car over marriage? Clusive members' content? Click the link in the description

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