Financial Audit - Most Batsh*t Crazy Woman I’ve Ever Met | Financial Audit

Episode Date: September 24, 2025

▶ The story continues... and wow, she's the craziest woman I've ever met. She threatened to make MULTIPLE people cheat on their spouses... she's crazy. Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Build credit fast with 80% off the first month (that's just $1!) at https://getkikoff.com/caleb today. Thanks to Kikoff for sponsoring us! ___________________________________________ ▶EDUCATION: 1. Get your own free Hammer Financial Score: https://www.calebhammer.com 2. Get all of my educational programs for a much lower cost here, including the premium version of my budgeting app: https://dollarwise.com/dollarwise-central/ ___________________________________________ ▶RESOURCES 1. *I'VE MOVED MY INVESTMENTS TO WEBULL* do the same and transfer to my investing app of choice here: https://www.webull.com/k/Caleb and you get: *Cash bonus of $200 - $30,000* depending on initial funding amount, up to 8.1% APY, and up to 3.5% IRA Match. 2. Checking & Savings: Get up to $500^ before payday when you sign up and set up direct deposit. No credit check. No interest*. No mandatory fees: https://clickurl.ca/caleb-mypay 3. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 4. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 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. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ▶*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. ▶Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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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 this day. To watch episodes of Financial Audit a week earlier, check us out on YouTube. I actually didn't realize how bad my debt was until I pulled everything and I calculated it.

How were you so off? Girl, I'm not trying to do math here. You're never making progress in your life whatsoever. Never. That's why I'm like, why am I like this? It's your choice. Mm-hmm. You're financially f***ed.

Ha, classic. I think I'm hilarious. The tools to change your life have just been upgraded. Download my budgeting app rebranded to Dollar Wise today and start your free trial. Sign up 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 Shar. I'm 42 years old from Orlando, Florida, and you're watching Financial Audit.

Yes, you are, and thanks for coming on over to Austin for Financial Audit. there for a living. I'm an operations coordinator, property manager, and wedding officiant. Is it the same job? No. These are two jobs. So the property manager and operations coordinator is one job. And then I own my own wedding officiant business. Side hustle? Yeah. Okay. Because if that was big enough to be full time, you'd be doing that full time, right? If that was like that. Definitely not. Oops. I hit the microphone. Oh, okay. No, it's okay. Okay, cool. So the full full-time job. How much you make in that? 44,000 plus sometimes bonuses, a bonus.

4,000 in Florida. Yeah. Orlando ain't cheap. Orlando, I don't know as much specifically, but I know Florida's not cheap. What hits your account on a monthly basis from that job? So I take home after taxes 12, 26 every two weeks, but I do have an extra 150 per paycheck taken out for tax, for business taxes to offset my business taxes at the end of the year? You withhold extra?

Yeah. Instead of just setting aside money from your business. Correct. If it never hits my account. Is the money you make from business stagnant, never going up, never going down? Because how would you... It's very up and down. Then how does that make sense to withhold from your main paycheck?

Because then if I, then at the end of the year, I might get a tax refund. Sometimes I might owe. It offsets it. No, it doesn't offset it. It either makes you have to pay money or you gave the government a loan at zero percent. That's fine. Is it when you could just be setting? No, because if I said it as I.

Are you not doing quarterly estimated payments? No. No. Oh, because I'm an individual. Sorry. I get really excited. I'm a sole proprietor. So I file my business taxes as S-Corp, I think C-Corp.

Something. We do estimate it. No, I just file it. Maybe C Corp. I file as sole proprietor. That's all I really know. Hey, I file my taxes. I'm thrilled.

Do you work with a CPA? No. No. I do it on turbo tax. In no way. No, you do not. So I don't claim a lot of stuff. Hold on.

You must not make a lot of money. What does the second job make? Sometimes I make more than my full-time job. So. What's the fuck you risking it then, man? Risking what? The IRS coming down and bust it in your door. But I pay my tax.

Like I file, I keep a spreadsheet of all my stuff and I save every email. I know, right? I'm going to get better at this. But I haven't. Well, that's exactly what I'm saying is risky. Everything that I buy that isn't parking is connected to my email. So I, yeah, because parking. you don't get an email confirmation.

But when I buy like advertising. But literally every purchase you make in the world outside of parking, you get an email confirmation? Yeah, yeah, yeah, yeah. You stop in to Wagmans or whatever is there. No, business. Every time I make a business purchase, it's always connected to my email

because it's like advertising or something like that that I pay. You never get anything outside of that. Just, sorry, just the, oh my gosh, parking. Why would you know? work with a CPA? I mean, I guess I should. I thought about it. I guess you should. Because one, they could probably save you a lot of money. And two, they would tell you how much is it withhold on a monthly basis so that you're just doing that instead of giving the government a free loan or having to pay more at the end of the year, which also just gets. And they would probably,

you know, say, uh-oh, you're supposed to be paying estimated taxes of which you might be facing penalties that you don't know about. I'm not sure. Depends on your situation. So the 1226, right, that hits? Yeah. Is that after that with extra withholding or before? After. Okay. And that hits twice a month essentially on average. Gotcha. Okay.

So that is $2,452. That's hard to live on in Orlando. Now, the business, you say very up and down. Give me an example of like the last quarter. What came in? Q2. What did Q2 look like? So what is that?

Actually, have we... March, April, May, June. Oh, wow. Yeah, I was probably busy then. Yeah? Weddings. Yeah. So, Florida, it's busy.

So yeah, I don't really know. Oh, that, all that for no answer. $12,000 for three months. That's a guess, I'm assuming since. So listen, I require $100 retainer and then I get paid the balance 90 days before the wedding. How do you not know what you made and spend? Because I pull it all at the end. I don't pull it quarterly.

I pull all of my financial transactions. transactions from like Venmo, cash app, PayPal, Square. When, at the end of the year? Yes, sir. That's insane. And I have my little thing on like my officiant to do process. So like I know that I'm supposed to be doing this, but I'm a slacker. I am a slacker and I work better when I have to get it done.

Trust me, I file my taxes in April. You might have to get it done on a quarterly basis. I'm going to find out. I actually didn't know about that. I'm going to find out. Well, it's usually based on last year's taxes. But either way. Oh, okay.

So I don't know any. I'm not a business person. How much did you make last year in your business as a non-business person? Like $40,000. Okay. For the business, yeah. Was that gross? Oh, that was before all my expenses.

Good. What were your expenses last year? Oh, I could pull it up if you want. Probably like $27,000. $20,000. 20 or 27? That's big when we're talking. Um, 20.

So your profit was 20? Sure. Sure. I have to pull it up. I don't, I'm not thinking about what I made last year all the time. Well, I mean, I'm going to use that as like this year's numbers since you can't tell me what this year's numbers are. And I'm literally in the, you're in, what are we, six and a half minutes in. And I am just trying to get your income.

I should have just. It's going to be one of those conversations, I see. I know. I'm sorry. I slacked. What am I looking up? Oh, taxes. And I'm a giggler, just so you know.

so just because I'm giggling and laughing doesn't mean I'm not taking it serious because I'm here. It is one of my triggers. Yes. Oh, look, here's my thing on when to do what. My to-do file taxes yearly.

Her to-do list is in a Google sheet. Oh, sorry. It is in a Google sheet. Oh, yeah, yeah, yeah, yeah. Okay. Oh, f-12. Oh, that was payments on 2023. What the heck?

It's 24. Oh, there it is. Oh, no, that was lost revenue. Oh, my gosh. I'm so sorry. I, uh, taxes. I think. No, it's not.

It's not okay? No. I should be a little more organized. You know what I mean? Yes, preferably. I would suggest that. So I don't know. I can give you the year before.

Why did you tell me, let me check in order to get my number because that's what? Because I'm looking. It sounded like you were able to just go click clack and you would be there. Because I have my tax spreadsheet. I just want to know what the income was for 24. And what the expenses. 40,000 before taxes, 20,000. Is your full guess.

Yeah. What did you pay taxes on the 20? Oh, no. Oh, dude, I don't know. Oh, my. Do you want to get my, I should have around my computer and I could show you my whole tax return. I don't think about like... How am I supposed to estimate what you make?

What can I, I can add to your income? If this is a substantial part of your life, what the fuck can I add to your monthly average? Let's say I make... No, why would I say let's say? Why would I let you say, let's say? That doesn't make any sense. $3,000 a month.

After taxes, expenses with, like I'm confused. Before taxes. I mean, before expenses, before taxes. Before expenses. And your expenses seem to be. 50% Sure. Sure?

I don't know. But that's what you're saying for last year. That's what you're saying for last year. I'm dying over here. No, this is a pretty basic question. You're a business owner.

Oh, I know. That's why I'm like, why am I like this? This, but it's your choice. Yeah. That's why I'm wondering why I'm like this because why am I choosing this for my life? No, actually. Can you try to answer that for me?

You're opening my eyes as. to what I need to do, because I'm not a business person. You literally are. No, I know. It's the same income as your other job. I am currently a business person, but I'm not business minded. Like, I'm not looking at. What does that mean to you?

Like, I'm not focused on making the most and like, I don't want five of the hands under me. Make! It's not about making more. I'm asking what you make. So I'm pretty sure. when I filed my taxes in April, because I do wait till the last minute,

I probably, probably, probably brought in like $40,000 before taxes. Yeah, we got that part. And fees. So I'm estimating after, but then because you have mileage reimbursement. It's like a whole thing. Yes, yes it is. Yeah. You'll be able to follow my tax return?

Oh my fuck. Can you? Yeah, I think so. Sure. I don't know why you didn't just do that. Because I'm all over the place here. Oh, I got emails for weddings. I might have to answer those.

Classic. I think I'm hilarious. I know, right? Jeez, what's her problem? Okay, so I might not be able to follow my tax base. No, I'm just dealing with a quirky millennial. I think. And I got in trouble in the comments last time that I didn't like that.

I'm an elder millennial, too. So that's even worse. Um, yeah, I don't have it. Let's just say I don't have it. I'm sorry, guys. I'm looking. I'm looking. I don't know what to do with you.

I looked up taxes in both of my emails. Help me. That's it? IRS, perhaps. Maybe you search IRS. Damn it. IRS, search IRS. Can I,

Yeah, turbo tax. Yeah, search the platform you use. I'm telling you, if I had my computer, it's all on there. That's great. But this is your email's the same. Oh, here, look. Ooh. Ooh, la la.

Okay. That's French. Hold on, waiting for a confirmation text. Okay. Okay. Oh, my God. I'm so excited to finally pull this up. Let's hope that I was right on.

I know I'm so sorry. This is going to be a 14-hour podcast. I'm here for the long haul. Okay. Downloading my return. E pooh, pooh, pooh, pooh. With you staring at me, it doesn't help. I can look over here.

Oh, wait, that's not it either. I got my tax return up. I'm just looking for the financial information on it. If you just give me the phone, I could probably do it. Oh, yeah. Oh, here it is. There it is. I scrolled for you.

My green might be a little dark. One year I made almost $100,000. No, no, no, no, no. No, this is... What happened? What happened? Hold on, hold on, hold on. I think she's literally...

Okay. Did I mess up my taxes? Maybe. Oh, God. I heard you can write things off, but I don't. Like, I know a DJ that wrote off a watch. Don't... No, I don't write anything like that off.

Just my... I don't want you to think about it right out. You don't know what to write off. I don't do that unless I'm traveling for a wedding. Yeah, I want to be very clear. So far, all I'm seeing in is here is your $44,000 of your W-2 income. Maybe it's at the bottom. No, I definitely filed my business taxes on that.

I certainly hope so because the additional income is listed as $1,300. I will keep going. Oh, maybe that was after. Okay, so here we go. W-2, $44,388. What's the $388? your income from your business for one month

wait hold on but why is that under oh hold on gross income for okay wait okay um form w2 instead of trying to

but no this is your business I'm saying w2 cool you scared me oh you scared me because I know I buy all my business yeah but hold on no no but this is what's crazy

is like okay let's pretend this is your business And if you had $20,000 of valid business expenses, all you did was, you didn't, there's no expenses claimed. You're just throwing in the, wait. No, there's, what's up? I do believe she claimed $42,000 of expenses as net profit is listed as $1,369. $43,000 in it. Oh, maybe that includes mileage? Because I drive like 20,000 miles, the $43,000 in expensive.

And if an audit comes, ho, ho. There's no way. Polified business income $1,272 after everything. Can I see that? In a moment, I'm going through a lot here. That's where my spreadsheet comes in handy. too, though, because I know how much expenses based on the spreadsheet. I know. Well, I don't, I didn't see it in my Google Drive because I use Google Drive for everything.

Right. I mean, so for all my business that I have my... She made a whole profit of a thousand three hundred. So great. That means you make, um, 45,500 hours a year. I don't think you had to pay more on that and you probably got a Did you get a refund for last year? Yeah, it was like $1,500. Yeah, I'm sure it was. There it is. And then the year before I owed some monies.

This is crazy. Using the 2025 IRS standard mileage rate, 20,000 mile reimbursement for business purposes would be about $14,000, which you add that to your 20 and then you add even more to it. Your business makes no money. How much time

do you spend on your business? Um, so... Because to be very clear, it is a break-even hobby. Yeah. Well, I mean... Unfortunately, where you suggested... I don't care. I love it. I don't care.

I get more pussy in Fortnite than you do. That's wonderful. Uh-huh, uh-huh. You don't make much money for Central Florida. And you're on the show, meaning you're likely in a lot of debt. Yes. Uh, so whether that's an option in the end, I no longer know. how much do you spend on this hobby?

Well, apparently, $40,000 in expenses, but I didn't know that. Oh, time, sorry. Like, so every wedding would be three hours, including commute. So like 45 minutes there, 45 minutes back, an hour and a half at the wedding. Big math.

I don't know how many weddings exist for week or month. So how much time are we spending on this job? That is your business. A month, a week, a day. Oh, my gosh. What are you looking for? A week average, please. How much time?

Which goes into planning and everything. Yes. How much? 25 hours if I have X amount of weddings. 25 hours. 7 or 8 weddings. 25 hours a week. What do you make?

$1,300? Great. You're making $1 an hour on average. I'm rich. Okay, great. Yeah, I'm glad you can be quirky about it. But yeah, you're financially, because you wouldn't be on. I don't know your finances yet, but you wouldn't be on the show if you weren't.

To make $1 an hour, 25 hours a week, I don't think is the best use of our time as much as you love it. I love it. A Filipino sweatshop would make more money. I don't love that. No, none of us do, and it wouldn't be as fun, but you would make more money doing anything except for working in prison. Why the fuck are we spending so much time doing this, dude? Because I really like it. I'm really good at it.

Okay. Have you checked out my review? No, but it's clearly not resulting in you making a living. So if I did, if I changed a few things, I could definitely make more. What? But since I said that I'm not like a business person, I haven't really like stepped it up. Listen, I can't even add that to your income. You make 2,452.

That's insane. Oh yeah, yeah, yeah, yeah. Sorry, I was not sure where you were getting that number, but I know what you mean now. What do you mean? That's the number you gave me. Yeah. No. You were talked, so one minute we were talking about the business, but then you had brought up my full-time job pay, so it just threw me off for a minute.

Dude, you're, I mean, the per capita income, net, net in Orlando, by the way. Hold on. But then the metro. So this is a census reporter, has it at $3,000 a month. You're under the per capita net income. But then actually, in the entire. Metro in 23

$57,000 but you make nothing. Yeah. That's why I'm here. You're dying. Yeah, I'm dying. We're all dying every day. Income is in a, that's why I'm here situation.

No. So what are we doing? What is going on in your life? What is going on? What are we talking about today? Because 20 minutes to establish what you make in your area, by the way. I didn't know I should have had this.

Yeah. I would have had the information ready. I just honestly didn't know that you would be asking that or I totally would have had everything ready. What? Have you seen the show? I actually watch it all the time. Are you broken then? Because you know that is the literal first question I asked.

Yes. But I thought you had it in my financial statements that I sent to you. Not in terms of averages and stuff, but it's also a very good question and exercise to see if you even know what you make. Clearly I don't. Do you know what you spend? A lot. Wonderful. Let's try that in a financial number.

I know on these credit cards I spent a lot, but it was above my average. Yeah. Yeah. Yeah. What do you think you spent? Last month. A month. Okay.

Last month. Like on rent, all my bills. All everything together. And for what it's worth, again, if we do all businesses, all business before expenses. So include your business expenses and the expenses. But all business income before expenses and your regular income, was $7,500. $7,500 and $83.

Girl. What was your income? Girl. What was your out? Oh, no. That's what I thought I spent. Damn it. Oh, no.

That was your income. Oh. Girl. That was, I don't know. Yeah, when you answered a different question, you got it right somehow. I know. Isn't that weird? What was your out?

It's like I'm psychic. What went out? $8,500. Very good. So more? Yeah, more. I probably spent more than I brought in. Okay.

Well, it was $9,684. Oh, dang. Oh, dang it. How did I spend $900,000? I mean, I know how like $2,000 of that was spent. But here's the thing. Clearly it's for debt or else you wouldn't be here honestly because you are required to have debt in order to be on the show. And that is what must be supplementing this.

I see no other way. What is your life? What are we like what is going on? Please tell me. Tell me just like what is going on. We answered the income now just tell me what's going on. All right, let's be real. Credit feels like the ultimate catch-22.

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What is this? You'll find that out. You tithe 10% to your dad? So you allow people to tithe to their church. So therefore. I allow people to? Yeah, when you do their budget at the end of the show. Because you can't change someone's religion.

And also, that's happened like five times on the show's history in three years. Well, I've seen it. uploading three episodes of a week. Okay, superfan. Yay. Not a super fan. If you've seen that episode. Yeah, I did.

I don't even know what episode that is. You know more about financial audit than me. But either way, yes, because I can't change someone's religion. That's just deep in their bones, man. So no shit. I can't take that away. But what? What is your dad your religion?

No. But, like, although I am in financial crisis, I feel like he, he needs the money more than I do. I mean, I need the money. Do you not need to pay your bills? No, but. What, what, huh? Why does he need more money more than you do?

What? Explain this logic here. 10%? You give a 10% dad tax? It's not like it's mandatory. I do it when I can. But you do it and you never can. You wouldn't be able to do it because everything should be going towards that.

Do you have a fully funded emergency fund? I have like $8,000, $9,000. No, you don't. Yes, I do. No, you do not. In my savings, I have $4,000, $3,000. I have your statements. I don't think you know what you're talking about.

What are you talking about? I can pull up my chase account. Chase account. That wouldn't make any sense because you also, by the way, bad debt alone, $50,000. Other debt, which are zero percent currently are just $7,000. So we're at a total of $55,722.34 cents. I'll say you had $8,000 in there. You don't.

By the way, let's say, why the fuck would that not be going to 30% debt that is accumulating when you have $55,000 of debt? I was going to ask you how I should spend that money. If I should save it on a- Or if I should save it. So if you have that much debt, why are you giving your dad 10%? Well, I mean, I just send him $50 every week. If I can.

What is this 10% then? You said, you said, you told lazy you tied 10% to your dad. It's 10% of the 2,500 I bring home from my office job. To your dad. You said you send him 50 here and there. What's true? It's usually 50. This is again why I don't believe your fucking savings thing.

What's true? $50 a week when I can. Recently I didn't. I haven't. What's this 10% thing? What's this 10% thing? What's this 10% thing? Because then it's in my budget.

10% would be $240. Yeah. So it's approximately 10%? 8%. 8%. Can I tithe 8%? I'm not a math person. The dollar is not 8%.

Girl, I don't know. I'm not trying to do math here. I'm just saying. And this is again why would I listen to you when it comes to what numbers are aware. I'm not trying to teach you anything. Not teach. I'm just trying to get answers to your questions. What do you mean teach?

There's no teach. I wouldn't go to you for teaching for anything. I don't know what you're talking about, man. I am the worst. In case you didn't know. I don't know, but I hope that's not the case. Yeah, me either. Yeah, you do 12 to 15 weddings a month.

With that amount of time, 170 weddings a year, with that amount of time, the income you could be going and making it and paying off all this debt. Because really, if we're being honest with just how money is transferring around and translating, this essentially means you are subsidizing, you spending your time going and doing all these weddings by building a business. by building up your debt. Because by the way, another reason why I don't believe in the savings thing, remember when you spend $2,000 more than you made last month?

Like, this isn't lining up. You are subsidizing you wanting and going to do this hobby when you should instead be working more and that would at least pay your bills. But instead of doing that, you are just accumulating debt to subsidize your business hobby. Can I pull up my savings for you? This is bothering me.

I feel like I want you to see my account. Stop! I have it here! You clearly don't or you would see where I have the monies. I hate you. No, I don't. I don't hate you. But that's very annoying. I hate that moment. Because I literally have the documents in front of me.

Can you let me go through them? You know, the show that you've seen a thousand times? You're calling me a liar, though, and I'm not a liar. I have this. I might not know things. It's ignorance. It doesn't make me. It is ignorance.

but it's not why are you here? Why are you here? I'm here to marry you, Caleb. That's why. I need my chance. What the fuck? You and your boo. I'm going to marry you and your boo.

You're like 35. I'm 30. 12 years. We could be booze in another lifetime. You could help me financially. You could pay half my rent. I'm just kidding. But I really would love to marry you and your boo.

when you get married and propose. Oh, you fuck. Okay. I'm never getting married. What are you talking about, Willis? No, I will not marry you, Caleb. By choice? Thank you, Will.

Yeah, by choice. It's good. I love other people's marriages, and I love doing weddings and everything, but I feel like it might not just be for me. I'm good. You just want to... You can have a commitment...

You can go solo if you want. Yeah. I don't care. But you can have commitment without the marriage. for sure. Okay. Well, I mean, maybe if we get there, I'll talk to you. It's very peaceful.

Especially since I know you charge not enough. Yeah, I'm free. Oh, that should be good. Oh, you're free. Yeah. All right. I don't charge people that I know, like when vendors want me to do their wedding. Yep.

You do this as a hobby and you're going to need to subsidize it. I know you love it and you also love that because that's a good. You don't have to. I know you like it. That's not something you have to defend. It is actually very clear interactions through subsidizing it through death that you love it. I'm saying. that might not, that's one, not sustainable for sure,

especially since you don't have a dual income household situation, whatever, that's what you choose, that's okay, I'm not judging it, but this means you have to take more responsibility on your own, because it's all on you. Instead, you're just f***ing it up, so it's not about you loving it and not loving it. I think I'm going to get a CPA. Yes, at a minimum would be nice. Because what you might be doing while your taxes might be illegal.

No, I mean, I hope not. No, no, you can claim anything. Everything and everything on TurboTax. It doesn't mean it's real. But I only claim stuff that I like business expensive. Yes, but not everything's a write off. Not everything's deductible the way you think, the way everyone thinks. Yes, yes, yes, yes, got it.

You will get destroyed if the IRS decides to ever. Better get my stuff in order then. I agree. You might have to. It's all in my email. You might have to reamend some of those taxes, but we'll see. Yeah, that's fine. Okay.

What do you think your finances land? Zero to 10, zero being the worst, 10 being the best. 2.4. I took it three times. Okay, very good. And what she took was the Hammer Financial score, of which you can take for free, see where you stand in the world of finances, see where you're doing great, see where you need to improve, and see if you're just doing average.

Take the assessment and it is free at Calebhammer.com. And don't forget to sign up for the dollar-wise budgeting app. You don't want to be like a guest who ends up on the show. If you like it, sign up for the annual version to save a lot of money. And there you will also get a budget-friendly cookbook signed by me mailed directly to you. And you can also bundle it with all of our educational products, all in one for 80% off by joining the top end service, Dollar Wise Central. Check it out.

Tens of thousands of people have changed their lives, dollarwise.com. All right. Time to getting these documents because there are a lot. What the f-do. Are you saying when I'm talking? Sorry. Oh, the coffee is kicking in for you. I could tell by you're fast talking.

That's all. I will shut my mouth. Well, no, it's okay. I just didn't know what you're saying because I was talking. I know. I'm sorry. Okay. Oh, City Stratomere.

I don't know the Strata Premiere. I've never done the Strata Premiere. Is this also fat stack? Maybe we're doing another Fats Tech week. This is crazy. It's all one card. This is a ton. This is not all one card.

But this is crazy. This is a shit ton of paperwork. I'm going to be here for a thousand years. City Strata, what is this? Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools or budgeting that. All this crazy.

stuff over this past year because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever like literal tens of thousands of people have done with our programs go to dollarwise dot com click that link below your life will change it'll be incredible and i am here for you with an incredible

support team that you can reach at any time this is a no-brainer dollarwise dot com let's go it's a credit card i know what the f you're using it for what is going on with this card um girl you've seen the Sure. That card, I currently don't use it for anything. I did put two balance transfers. Well, technically three, but one was paid off. So right now, there's one on that statement. What do you mean?

Like, that $3,000 that you see is a previous balance transfer that's at 0% till January, 2006. Okay, well, interest is accruing on here. Is it? Yes. Oh. How much? for that month. $5.

Oh. So it's from a previous one where the 0% must have ended. Maybe I... You owe $3,254. $95. Yes. Okay. How long does this take to pay off?

If you do minimum monthly payments only... Oh. Without purchasing anything, which historically you're likely incapable of knowing how much you spend money. But, yeah, let's see. 11 years. I don't know. I don't know.

I don't know. So therefore. Listen, again, she's lovely, just like the other person that was the quirky millennial bullshit. I got called out for being mean to that person, but you have no idea if you're just trying to have a conversation on this show. And they're bringing in their quirky millennial bullshit. It is very obnoxious on the side of the table. Because it's interesting to see us the audience doesn't mean I have to enjoy it. Weh.

Ha, ha, ha. How many years, lady? Okay, so let's see. $3,200 divided by minimum payment X times four. Hold on, for real, though. Like 10 years. 12, close. I want a fact check you're not spending.

Pull up the statement on your phone. Oh, yeah. Cool. What it shows right now. Like, damn, this would have been so much better on my computer. What are you going to believe that you're not spending? Listen, I'm not lying. You act like I'm lying about stuff.

Well, see. Lying out of intent. I don't know, but ignorance throughout this, everything I've picked up in the, what, 35 minutes we've been filming, yeah. This is this city, Strata. I know, because I did a balanced transfer offer. Another one, another, a separate one.

It's up to $7,000. Yeah, because I did a balanced transfer offer. So this is new. Yes. And it's like 0%. The debt's worse. The debt is worse. It is, but it was moved from one card to another.

Great, which opened up the ability to spend on that card. No. Yes. Because it's paid off. No. So therefore I'm not using it. Oh yeah, yeah. It's at zero.

That's, yeah. Yes, but then all of a sudden it gives you the ability to purchase. When you don't have money because you spend more than you make. Oh, my. Oh, geez. I've been trying not to use the cards that are at zero. I'm thrilled that you're trying not to. She spends $2,000 more than she makes.

Used to be a lot better. All right. So it's no longer $3,254. It is actually at $6,900. $64.59. Which, by the way, is only $500 from the limit. Yeah. And they keep sending me balanced transfer offers. I'm like, dude, I have no monies.

I cannot do another one. Money's great. Oh, my fuck. Okay. Oh, she's millennial. Millennial, millennial. What are you? Are you a millennial? By a year. I'm the last one. I know. I'm the last millennial. I'm the final millennial. But it's not like, that explains the problem.

No, no, no, no, no, no. I don't even do the gender. Because the gender bullshit is nothing. There's nothing scientific. There's nothing, whatever. We just, as humans, we love to categorize things. I'm more of the belief you're, you're not aligned with your generation. You're aligned with people 10 years older than you, 10 years younger than you. Those are the people you're similar to.

Those are the people that you grow up cultural-wise. Other than that, it doesn't matter. And clearly, you know, you are outside of that range. And, but either way, just the stereotypes. You were doing the full-fitting stereotypes. What is the normal minimum payment now? Pardon me? What's the average monthly?

payment? No, it's the normal minimum monthly payment. Now that the balance is gone up. Oh, the minimum month. Like $75 a month. Okay, so it's gone from $41 to $75. Very good. Take your phone.

I don't want to catch the millennial disease. I know. Cooties. Girl cooties. Can I pull out my bank account for you? No, no. No. Stop.

We will get there. I'm obsessed at this point. Can't think fast it. Just stop. Please. Shh. First of all, $270 dollars of fees this year. so far, which is now probably $500 because of your other new balance transfer.

Interest is never a coin. Yeah, $269 and 70 cents of interest this year. Great. That is occurring from only a $278.45-cent balance. And that was a separate balance transfer offer. Yeah. Okay. And by the way, it's just two months, two months in the $3,708 from the past month, not even your new month, is when that, that starts to accrue an interest.

So that it started accruing interest in two months. Yes. Actually, from this exact date, less than two months. Great. And then with what you just put on, is probably coming up in like, what, six months, three months, four months? I don't know. So it's not like this is great. You're certainly not paying this off with the way you spend money, the way you live

your life, the way you subsidize yourself on debt. You are not paying this off by the time it starts accruing interest. There's no way. Yeah. Less than two months good. The fuck. What was your plan with this card? What was your grand plan?

Probably do another balance transfer offer. And tell how long that's not possible. Yeah, I know. And then what? Your endless kick the count down the road and let fees and interest accrue over time. Because even if you're balanced transferring before interest accrues in less than two months, you're still getting these $250 fees every time you're hitting these things. Yeah.

So you're just getting that every few months. So no matter what, I mean, it's like you're accruing interest regardless with how often you're doing it. So this doesn't make financial sense and your debt is getting worse and you're doing nothing to even pay it off. This makes no sense to me. Yeah, I mean, I'm being told them just you've done it two times with a certain debt alone. Just like boom, boom, boom. And now you're doing it a third time. You're about to do it a fourth time.

This is just insane. You're not a credit card person. Why do you use credit cards? So. You can't manage them to save your life. The problem is like I got my first credit card when I was like 20 years old. Later than most at 18. No, I know, yeah.

It was one of those cards where you like, it was secured credit cards. Why are you using them today? Yeah, I'm telling you. So basically, from that age to like my late 30s, I was a credit card person. All of my credit cards, when I put money on them, I would pay it down and whatever. Yeah, yeah, yeah, yeah. So what had happened was I went on a trip to Africa. At the time I could afford it.

Your ginger ass can't handle that sun. It was great. I went in the winter. So technically it was our summer, but it was their winter. So South Africa. No, I went to Tanzania. It's beautiful. You should go.

You should take your boo there. She would love it. I stayed in a tree house on my birthday. I like houses on the ground. Yeah, it was great, though. And they had an outdoor shower. It was super cool. Very modern country.

Yeah, it was neat. No. I mean, they had indoor shower too. So anyway. 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 Bank.

I bought this freaking safari, and then at the time I had zero car payment, I had my car paid off that I paid off in like two years. I was so proud of myself because back then I had more money. And my rent was like $1,100 back then. So then I got in a car accident. So I had a car payment.

So then that reduced some of the money I was bringing in or, you know, more money going out. I believe they call Orlando the Tanzania of Florida. It is. There's freaking giraffes everywhere and alligators. Except Tanzania has crocodiles. Lull. Okay, anyway, I forgot. I'm quirky millennial.

Ooh. That's what I'm going to dress up for his Halloween. It's working, but it's going to look like you. Sorry. So anyway, I used to be a credit card person. I used to pay him off all the time. I got him to my safari debt. I saw all the freaking.

I don't get, I don't go. Okay, I'm sorry. You keep distracting me. No, you're blaming a safari. Yeah. For this, for 55,000 hours of debt, which is now higher. So credit card and loan debt is like, what, $26,000, and then my car payment is the other $24,000 rate?

You got more on credit. No, sorry. Away. Away! Away! Don't get by it. Hey, y'all, stop touching my shit, dude. Just like my mom, I'm telling you.

Yeah, it's almost like you should have learned your lesson. I didn't. I'm even worse now. Thanks, Mom. Okay, so you did not answer my question by any means. Great. Okay, wonderful. Oh, no, yeah.

So, I used to be a credit card person. I used to pay it down. I did this trip. Then I, my freaking engine blue, so I had to get another car. I bought this Honda CRV that I love and it's beautiful and amazing. And so my car payment went up like double. Then my landlord wouldn't fix my toilet and I'm living like white trash over here in this apartment. So I got a house to live in.

And so now it's all over the place. Like I have no all my debts. Yeah. Oh yeah. Oh no, it's not an excuse. This is the reason because I spend and I'm not able to pay it off. You're not a credit card, Peterson. No.

No. Yes. Got it. And if you also decide to ever get a job that fucking makes money. No. No, thank you. Then I will gift you a course career certification. Oh, I'll do that.

Yeah, I wanted to do accounting. I was looking at it the other day. There you go. Accounting. I'll get you it for free. Yes. Okay. Yeah.

So all that interest is about to start accruing like crazy. Balance is higher than the statements you sent in. That's wonderful. Okay, Capital One Venture. What's going on here, lady? I got a lot of auto pays on that. So I pay my insurance. $1,391.68

of auto pays? I mean, maybe. Because that was the purchases you did. Yeah. Which, by the way, is substantially more than you put towards the card in terms of any kind of payment. Oh, it's maxed out. That's wonderful. Well done.

$29.08 cents of interest accruing. She looks confused that I say maxed out. You're right. Technically, there's a $30 thing on there. You go to McDonald's one and a half. times. I just didn't. Oh, yeah, my capital one.

Yeah, yeah, yeah, yeah, that is. Sorry. I get my credit cards confused because I got a lot. Yep, we really trust the savings thing. You're really adamant. And about $4,957.82 is the balance of the minimum monthly payment of $7.80. So what's actually going on with this? It's not just minimum monthly payments.

There's no way unless your minimum monthly payments are insane. Your auto payments are $4,100 is a balanced transfer offer. Yes, I'm the queen. For nine months. Doesn't make sense. You're never making progress in your life whatsoever. Never. No, legitimately.

You're okay with that? No. Then why do you do it? Because you're doing it. You're choosing to do it. You just did it. I just saw your phone. Since you sent the statements and you've literally done it.

So I actually didn't realize how bad my debt was until I, yeah, until I pulled everything and I calculated it. Oh, I thought it was like, to be honest, like 12, no less. debt of bad credit card debt. How? How are you so off? How were you so off? Well, the bad credit card debt's like $21,000. Why were you so off? Because I just, it was like I was blind to it. It was like I go online and I see my accounts and I pay off my accounts and stuff,

or not pay them off, but I pay towards my accounts, but I just wasn't, it was like I wasn't taking it in. You're just blowing all the credit card debt that you then transfer on European trips, Amsterdam, Paris, Dublin and then your stupid African trip a couple years ago. This is just crazy. You're traveling endlessly. How often are you travelers? And then you've spent it all on a card.

Let it sit there. Don't do anything other than the minimum of the payment until the interest starts to occur and then you transfer it. We'll just do that over and over again until you can't. Yes. That is the goal. That's the goal. I thought you said you didn't like it. I don't. Then why do you do it?

You have not answered that question. Why do you do it? Hi, I listen here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weble. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000, depending on initial funding amounts. and up to 8.1% APY on your money and up to 3.5 matches for your IRA.

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You will not regret any of these change your life today. Because in the moment, instead of paying that $60 a month for month after month, you do the balance transfer offer and it's like 1% transfer fee. So you pay like $200. That's insane, though. Well, you pay the $200 and then if you have four months, okay, I can't even. In time for any kind of balance. Oh, I see what you mean. Yes, yes, yes, yes.

What else would it? Okay, fine. No, no, no. No, no. So listen, you literally just did this before coming on the show. You took that action. Yes. Walk me through that moment.

Oh, wait. What did I do before we came on? Oh, you just transferred. You tit. Listen, you just transferred because, remember? Oh, that city card. I'm so sorry. I thought you were talking about the Capitol One.

We're all over the place here. And I'm already all over place. So walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it. Even though you yourself are saying you do not like doing it. and you do not want to do it. It's a necessary evil at this point because I've gotten in the cycle. So I'm cycling through it.

I'm an experienced person. And I grew up Jehovah's Witness. I was in a cult. Now I'm out. White trashed Jehovah's Witness cult. I've succeeded. Oh. I mean, I don't have any broken down cars in my yard.

Oh. Do you? No. Good. Don't you hate when people park up by their front door, like in their yard? It's a Florida thing. It's very weird. Yeah.

I don't live in those areas. The old apartment I lived in, that's the kind of area it was in. Yes. Very good. Slumlords. Right. Yeah, it's good time. Oh, this is where you learn your tax strategies from your dad.

Your dad's never paid taxes because he's Jehovah's Witness? No, I mean, I don't think they correlate. I think he just didn't pay taxes. That's what is just. typed to me. Oh, I mean, I think it's two separate things. He's never paid his taxes. As far as I know he didn't.

I know you're in chat. Oh, wait a second. I know that he did because he worked for Disney, like helping build 20,000 leagues under the sea. So back in the day, maybe he did. But as far as I know when he had his own business, like growing up, as far as I know he did not pay taxes. Because when I went to go sign up for college, they need your parents' tax return.

So that's when I learned Because my mom never had a job where she could pay taxes It was always like under the table kind of thing So I've I learned from them to file my taxes I know that it's super important Okay Gotcha

Let's see your purchases that were done on here Are auto renews or whatever you said Oh you're gonna love this It's gonna be great I'm sure I will I'm so excited PayPal and Hulu Paramount

Why are you getting Parma, dude. Boxy, charm bipsy. Ipsy. Great. Ride Paris. Microsoft 365. That's fine. Little Caesars, lots of Uber trips in here.

Universal Orlando. It's for Halloween Horror Nights, which is a must. What? It's a must. I must see you in the fog. Don't go alone. Except I go on. I don't know what you're saying.

Taglines from Halloween Horror Nights. Oh, you're terminally online. aren't you because you're so alone. Yeah. I hear it. I'm online watching this show. Well, thank you. I appreciate it.

Listen, again, that's nothing's wrong with being alone. Alone's great if you just do it. Oh, I love it. Everyone's journey is their own. I support everyone's choice to do whatever they want to do. It's not bad, it's not sad. I don't give you live your life. But I can tell it through your language that you do not spend a single second

not in front of a screen. I mean, I just watch a lot of... I just watch a lot of... I watch a lot of YouTube. Like true crime videos, so I'm always on YouTube. World Market, and there's premium. Yes, she is. And Miller's Salehouse, Forder.

Miller's ale house. It was foods. Great. So just bullshit, bullshit, all day. There's your $255 of fees because of your transfer at one point at some point this year. And then $46.95 of interest. Oh, and Little Sucis. I don't know if I said that.

What was the last thing? Okay. Not important. I've already been three times and it's magnificent. It's a past. You've been. Get out of debt instead. You want to stop the transfers.

Maybe. I mean, what do you mean maybe? I can't fight you. Huh? I said I can't fight you. Yeah. Yeah, because that's the most basic ass thing you could do. Don't spend $700 you don't have.

What was it? Yeah. $750 you don't have. You'll spend money there. You'll get food. You'll get drink. No, I don't spend. Oh, come on.

No way. I buy candy. So I'll buy like three or four dollars worth of the bulk candy. Their food's not really worth it, to be honest with you. No, it's not. But neither is going when you've already been and you have debt that is accruing at 30% interest. Yeah. And a lot of more debts are going to be starting at 30% interest starting in literally just like a few weeks from now.

November 1st. November 1st. Spooky season will be done. I know. But yours will just be starting. Sad. Womp-womp. She's...

Oh, no. Growing out womp-womp's. Womp. That's my life. My motto. My theme song. I'm gonna die. My theme song after filming an episode like this,

sounds like a trigger being pulled. Affirm. Gun jokes in Texas. We got him in Florida, too. Yeah, yeah, yeah, yeah. Yeah, yeah. I ain't hating. Oh, good. We owe $500 on some of firm,

but it's still. started at 6,000. What was this? Nair my plastic surgeon. What did you get? You look your age. What's been done? Maybe I had a facelift.

No, don't make a joke. I didn't want you to be like, clearly you didn't or you're ugly or whatever. No, you just literally look your age. So I'm like, what happened? What did you do? So I got a tummy tuck. I skipped my yearly vacation last year and I got a tummy tuck in December. Is that the skin removal?

Mm-hmm. So you lost weight? I was Not recently But a long time ago Yeah I fluctuate Yeah yeah yeah yeah Yeah

And it was really a lot Flapping skin Okay Flappies My flaps were flapping Oh I know I shouldn't have said that

I know That can be the Thumbail Again age gap Listen Age gap Well I'll do 10 years

I'll say With the tummy talk The So not only only did it make my stomach look and I just feel so much better about myself. Oh, sure. Even though I'm like the only one that sees me naked. And it's $6,000.

You're not out there dating? No, I don't date. No, I'm good. When's the last time you've been with someone? Ew. Like three years ago. Desperation or just like, oh, let's try to live life a little. I mean, I guess it was desperation.

Let's call it that. Why did you do it? It was the long fun. We can save it for the after show if you want. It's a story. I told her. Did I tell you? you? No, I think I told another girl. I'm telling people.

You think all gins just look away? People need to know. No, I just was telling somebody today. So I just thought it was her. No. Oh my God. No. I'm good. You have not met a person in three years. 11. I've been single for 11 years. And I met one person three years ago. And then that you fend. This is a finance show. So we're going to talk about her sex life. What made that happen? It was the long con. So we were friends for years. Was it Mickey?

And then he got a divorce. Mickey Mouse. Oh, you fucked your friend. He, we were hanging out together for months. And then. Was it a one timer? No, we started hooking up. Technically I did.

Whoa. So seven years of Dryspell were like, we're like. No, nine years at that time. Yikes. And he totally took advantage and really screwed me over. like crazy. What does that even mean? What it was screwing over?

You were just fucking. I think we should save this for the after show. We'll save this for the post show is what it's called. Oh, sorry. If you want the rest of the T, we'll save it for the after show. It's a good one. It's a good one. I hope so.

Unlike my credit card debt. Oh, but real quick with the tummy tuck. So although I look and I feel so much better. Good. I've always had back problems, like very bad back problems. like an L3, whatever the hell. Since they stitch up your abs when they do the tummy tuck, I haven't had back pain in eight months.

It's wonderful. It's amazing, yeah. It was debilitating. Yeah, yeah. Yeah, it was crazy. So, yeah, I feel better. Can't get your back blowing out when it's already blown out, right? LOL.

That's true. If they do it right. Drop in literal verbal LOLs. Okay. Lolls. Oh, geez. So technically the. tummy tuck was 10,000 all in all, including aftercare, post massages, and undergarments.

Since we're both millennials, let me de-h myself real quick. Yeah. Okay. We're good. Let's go. He hates me. I hates me. I don't.

I always say nobody will ever hate me more than I hate me. So good luck. You sure about that? You sure about that? Oh, yay. I know. Joyful. What's your minimum monthly payment on this?

$500. But I have one more payment. Yeah, this month, the 18th. Very good. I want to incorporate that into your minimum payment center. Okay, city simplicity, what's going on with this? City simplicity, what's going on with this? I don't know.

I just put a lot of charges on it. Oh, good. Well done. So that one is just random charges. You made a minimum payment last time. And then you purchased $607. You had a credit of $3. $73 of interest.

What? You're over the limit by $162.26. Oh, for, here it is. $4,162 with a minimum monthly payment, minimum monthly payment of $277.84. Why? This takes 20 years to pay off. 20 years to pay off.

I've never looked at that statement. Great. Why would we look at statements that we are spending on? I should do that. You should do that because you're over. the limit. You're gonna get fees up to... Oh my. Okay, we got some chlorine on here. We got pure beauty, more clorna after pay. Listen, here's the thing. Here's the thing. Let me tell you. She goes, she afterpay. She clarnas. Okay, well done. Instead of making her payments of her

clarned afterpay, she puts it out of credit card. She pays her debt with debt and then she transfers that debt to another card, left it accrue, and then all of a sudden she pays the fee and transfer it to another credit card and then she transfers it to another card to until the end of time it pays one perfect one per cent we're the hartford with decades of experience ensuring millions of unique small businesses when it comes to your small business insurance thank you one size absolutely does not fit all get a quote or find an agent today at the hartford dot com slash small business that balance fees on until the end of day the balance only goes up because of the one percent fee so every few months it goes up by one percent

endlessly forever. That's how we pay for our Klorna. Well done. That's wonderful. It seems much simpler than that when I'm doing it. Klorna! Afterpay! Pew Beauty! Kornah! Issues. Wendy's going in. Getting some bullshit.

Get his a bullshit. Wendy's Peacock Premium. Why? I don't know. I guess the new office show is coming out today. I'm excited. We'll see. Paperclip or something? What's it called? Calm down. Bye below. Duncan... Dunkin' Tonuts.

I love their frozen coffee. Okay. It's good. Kornah Panned Express, Popeyes. What the fuck I'm saying? Go and get into bullshit. Get into bullshit.

Get into bullshit. And after pay. What are we doing? Interest, $500 this year so far. That's a lot of money. Why are you allowed to even consider yourself to spend this much money?

I don't know. On cards, you can't pay off. That is now over maxed out while you just blow all your time doing a hobby. What a joke of a life you're living right now? Yeah. I'm a clown.

Okay. Okay. So here is a judgment then. And this is more of a question than a judgment. Again, I don't care about the... You know, I can be alone together. Forever. Like, I don't care.

If that's how we want to live in a list or realize, that's fine. Again, that doesn't matter. I don't want to be alone forever. I've just been alone for 11 years and I'm okay with that. I'm not going to settle. You suggested you were okay with... Oh, I am okay with that. Yeah, yeah, yeah, yeah.

In the future. Yeah, I'm open to. I've been open, but I've been really focusing on, like, building. You've been opened three years ago, but that was the last time. Yeah. That really put me in a bad way. You have to show. I'm asking.

Host show. I'm asking because you're alone, which inherently is not a bad thing, because you had no one to rely on you because you have. you don't have that other half or anything? Do you not have as much care to clean this up? Because you're living your life like a way where you don't give the shit. Is there nothing to achieve? Nothing to care for.

Nothing that you are ambitious towards. I don't know. Is there no incentive here? There is none. And there's nobody to hold me accountable. My two cats are very bad at that. I'm talking about you wanting to improve your. your life for a reason.

Yeah. Well, so, well, not only because I just didn't realize how much bad credit card debt that I have. But why do you even care? Because, well, it's bad. And I don't want it to get big. Why does it matter to you? Because I just don't want it to get out of control.

And I am open to like having a relationship, but I'm not trying to bring this into the, no, I'm not. Well, also, I'm not trying to bring this into the relationship. I don't want them to bring 20 or 50,000 with a car in their relationship. You don't take someone's debt in a non-legal way. Yeah, well. Like in your first year or two dating. But when you date somebody, you like help each other out.

So. Yeah, but not in like your first, at least few months. Yeah, no, no, no. So you can still get out there. Okay. You're just spending like nothing matters and you have no incentive to change. Because you don't, unfortunately. Listen, we're like a 30% interest for this.

Yeah. All right, built. Yes. This is like the rent pay card, isn't it? Yes. Built sponsor us. Come on, dude. Oh my gosh.

They totally should. I agree. They totally should. Totally. Okay, well, at least you're not maxed out. $2,728.68. Well, you purchased $4,0.11. You'd think it's all rent, but I have a lot of highlights below, meaning it's not all rent.

Oh, $28 in a minimum monthly payment. I usually don't use that card. This one looks like it's normally paid off. So I'm... Oh, well, actually, never mind. If you normally don't,

then I'm going to actually count it towards the debt. So never mind, keeping it. 14 years to pay off. Sonic driving. Taco Bell, Bath and Body Works. Margaritaville. Oh. In-flight sales.

Of pay. Of pay? What is that? OV-Pay? Of pay. Oh, so go on the tram in the nether- Oh, good death.

You just did that? Yeah, maybe I went in June. The Margaritaville, though, was like $400, but it's only because we had a cabana, and they put it all on my card, but everybody paid me back. Who's we? We is a bunch of wedding vendors. We had a pool day at Margaritaville. We got cabanas, and we drank and ate and swam. Tony's chocolate, Netherlands.

Tony's chocolate's the best. Station souvenir in Paris El Gris Paris Vanguard distributed Paris I don't know Going in against a bullshit Bernard's market

Currency Exchange Exchange currency exchange Currency Exchange currency exchange currency exchange currency exchange Currency Exchange currency exchange currency exchange currency currency exchange currency is currency exchange High at residency This is crazy That was a thousand dollars

You can't afford this trip You're drowning in debt Your business doesn't make money and you only make $44,000 like below the median net income for that area? You don't go on a big European trip at 42. Who the f*** do you think you are? Queen Elizabeth. The Hyatt from Netherlands was...

She's dead. Are you suggesting that you're... I actually paid two nights with points, so they did refund that on the next statement. Huh? So the Hyatt charge for $1,000. No, not four. No.

Oh, it was for $1,000. So one night was supposed to be paid with cash and then two nights were points and they messed that up. But they did credit me on my next day. The whole point of this card is to pay your rent on it. You're just going and blowing all this money in Europe. I used it as my zero percent foreign transaction fee card. So instead of. You're spending on a money still.

Oh, there were transactions at a minimum. No fees. No fees, but you shouldn't have gone. You can't afford it in any way whatsoever. My points were expiring. That should have been a reward trip after you got out of debt and had a fully funded emergency fund. I'm going to go to Antarctica. Okay.

That's not booked. Not now. No, no, no. When I get out of debt. Yeah, I'm going to get back into $20,000 debt. That's more of your weather. Going to Antarctica. Yeah, I'm going to wear a jacket and a cap.

Wow. Ciel skin pants. You know, the drill. Okay. That's what they wear, right? Stop. Okay. Southwest Rapid Rewards.

What's going on with this lady? I love Southwest. I flew them here and I will fly them home. I've never heard someone say they like Southwest. I love Southwest. My only problem is that they don't let you choose your seat in advance, but they're starting to do that, which actually kind of sucks. Isn't that a pretty big thing that you would want to do?

Hell yeah. I do because I like a window seat and I'd like to know where I'm sitting. Because their customer service, like the guy yesterday when I flew here was acting like the Grinch. And it was fantastic. He was like being real mean. I love the Grinch in September. Hey, I love the Grinch all year round.

That's what I like to see leading up to 9-11. Someone going crazy on an airplane. Yeah. He was being real rude calling people needy. It was fantastic. It's so needy. This plane needs to go down. Yeah.

It wasn't the pilot, luckily. You needy bitches. They weren't the ones who did it. Oh, yeah, that's true. It wasn't the flight attendants. They weren't the ones who did it. Oh, yeah. You're right.

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$40 minimum payment on this. Oh, for $461.13. Yeah. I do this. You know what do you mean when you say you do that? You don't do a method. I like to pay the small ones.

What? Folling money on credit cards in Europe, you f***. What is your snowball method? You've never heard of snowballs. I know life other than your Antarctica trip. I like to pay the small ones first. What do you mean you pay? You spend on this.

Oh yeah, but then I pay it. No, you don't. Not always. That's not true. This takes 13 months to pay off. You've never heard a snowball method. You've had interest accrued this year so far. You don't always pay it back.

David Ramsey does not agree with your snowball method. That guy. He stole my bike. David Ramsey? Yeah. I don't know what his problem is. He stole your bike. I'm just kidding.

I could have said he got me pregnant. What was the joke? He got you pregnant? And then he stole my bike. How am I going to get to the hospital and have this baby? Is this a 42-year-old joke that I just have never heard of before? No. I've missed this one.

I'm bad at jokes. My try, though. Oh, you're okay. Honestly, just a little, you know, in this kind of conversation, that personality annoys me. And I'm okay with it outside of here. But that, I just wasn't,

what even was that? Whenever. Okay, okay. Okay. Okay. Over here to pay off. Good. Amazon, all glammed up.

Yeah, I've got to get my hair did. Derb. La Madeline. Mm-hmm. Going in and getting some bullshit. Going in getting some bullshit. French pastries. Well, we, we.

Okay. Okay. Okay. Yeah. Sure. Well, up your Amazon for me. If you may, please. So we do share. So I use my work through my day job, my full-time office job. We have the Amazon. How many? Well, I wouldn't know what's yours then. Tell me what's yours. Oh. Well, I buy scar tape for my scar. How big is it? My scar? So you have to wear it constantly? With scar tape, so it helps get rid of your scar. Will it?

Yeah, I hope so. Because I also use the cream with it. That's what my doctor recommended. Oh, I bought air filters for my house. Okay. I bought, wow, we buy a lot of stuff. Oh, I bought a hand fasting cord where the couple will have their hands tied together when they, oh, I bought a filter for my car.

Oh, we already did that. Oh, no, I'm sorry. I bought AC filters for my house. And then I bought a cabin air filter. for my car. Wow. We, okay. You endlessly pay a shit ton of money on Southwest to go to South Dakota?

I love South Dakota. Ew. I love it. It's my home away from home. You can get a really good deal going from Orlando to Denver. And then you rent a car in Denver and you drive up to South Dakota. That is not close. Yeah, it's like three or four hours.

It's three and a half hours. Okay. To get to South Dakota from Denver. The border. Way better than flight. No, to get to the Black Hills of South Dakota where I go near Mount Rushmore. You know, it's. Custer State Park.

Orlando. Africa. Yeah, what? Black Hills. Yeah, the Black Hills. I think I know your type. Yeah. What?

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Limited time offer. BBC. What is my type? Big, whoa. What? What is it? I don't know what that means. BBC.

By the way, it's a six-hour drive via the maps. It's a six-hour drive? She doesn't even know. There's no... There's no... Driven it many times. She doesn't even know time. She doesn't even know time.

Okay. Whatever. I could swear I drove it in four, three and a half, four hours. 670 miles. We clocked at six hours, two minutes if you leave right now. Hmm. Interesting. Hmm.

Okay. PayPal. Business loan! Oh, you have a business loan for the business that makes no money? Yeah. Oh, why? Why not? Because the business makes

the money Yeah Why not? I feel like the business does make money Oh But I Interesting because your taxes

Didn't say that Which means IRS Did you hear that? She says her business doesn't make any money When she files her taxes But she's saying here

That she actually makes money I feel like it does But Clearly I need to Review You feel like a six hour drive It's three hours You feel like you have money

In your savings You don't I do Well you have money but it's not what you think. Everything is feeling space with you. It doesn't work. Yes.

What? I'm sorry. I spaced out. I do that a lot. I disassociate. It's the only way I get around. Do you go into the office for your job? No.

We work from home. Oh, I need you to have human interaction. No. I get enough at the weddings. I guess. That's like not normal. That's like wedding energy. Yeah, it's a different person.

That lady up. they're doing weddings is not me. Okay, so what's the current balance on this? I don't know. Well, you just took it out. So, $5,000 then. Probably like $37 payment. Yeah.

It's a weekly payment. Death of $101.85. The interest looks like it's like $15. I pay it with my credit card. I don't do that. Just kidding. I know you'd love that, though. It shouldn't have any weekly or monthly

any interest because I paid the one-time fee. Yeah, which is what that is. I'm calculating that. Oh, okay, I see what you mean. Yeah, sorry. $4. Yes, sir. How did you take this out for?

To pay down my debts. My business. So I have the advertising that comes out on my one credit card. So I definitely used it for that. And then maybe other stuff. Maybe I used it to go to. Wait, do you not know? Europe.

Did you? No, I didn't do that. What did you use this for? What did you take it out for? I'm asking you. To pay off my debts. So I paid off credit cards. A lot of the, so my chase thing card.

And that works so well. I know. Doing over and over again and it's never worth once. It'll happen one time. I'll get it paid down. I'm excited. I'm ready. You are middle aged.

Right? Yeah. What? And? Like, if it's going to happen, why hasn't it? You're in the middle of your life. All of this stuff, all of this is literally after 2022. So I just went buck wild, apparently.

I just didn't realize, like, how wild I was going. But I did. And here we are. Best buy. You have a best buy. Oh, with a substantial balance. $3,260. And 30 cents.

Why? What? Let me guess. You need a laptop to send emails? No. Well, I mean. $33 minimum fee payment. You purchased $39.

$70. for some moronic-ass reason. By the way, 18 years to pay this off, minimum of payments without any purchases, which you purchase. What the fuck is going on? With the best buy card? Yes.

Why is it as such a substantial balance? Let's start there. So I did a balance transfer offer. Oh, okay, great. On the best buy card. Who uses that for the... They do that. And then she went to Sonic Drive in and got gas.

What the fuck? No, I didn't. I got... Yes, you did it. It's right there! Oh, I thought you meant I got gas at Sonic. I got corn dogs at Sonic. You can't get gas at Sonic.

I was wondering why you said that. I thought you said you got gas at Sonic. You just talked so fast. I can't keep up. My brain is slow. Oh, you're telling me. Oh, fuck. Like a Sunday morning.

It's just slow. You know, slow and chill. It's Thursday. You mother fucking. Damn it. 30% interest are interested in death and stupidity and moronic. behavior. $151 to

fees from the transfer. Okay, when does that interest start occurring from the big balance? Oh, good. Like five weeks. Yeah. Five weeks. Oh, like November 1st. So that card, I had a

promotional offer on it from when I purchased probably my last phone a couple years ago. And it went down to $150 that I had to pay off. And I didn't notice and I didn't pay it off. And then one day I woke up and there was $1,200 in deferred interest on my bill. And I was like, what? So I called them and they took it off. Really?

I almost died, though. You don't deserve that. I don't deserve that. And the guy was so nice about it, but he said as long as you can pay it off right now. And I was like, I totally will because I didn't realize I had just that much. I didn't know I had anything left on that loan. I thought it was zero. So that was a big lesson learned. Okay, USA Bank. Yep. Credit card. U.S. Bank. Okay.

On this, you owe $2,552.52. Great. Not that far from max out. $78 minimum payment. Ooh. Oh, interest, $52 to $52. So what are we doing with this? What?

I honestly can't remember what I put on that card. It was like a year ago. It was a year ago. Telling you, my spending, just. $82 of fees this year. I don't think this has a, what does that fee for?

I don't know. Is that late payments? $53 of interest. Which means interest has just started accruing. So your interest period on something has just ended. Yes. Okay. I don't know what the fee is for, but I'm not late.

Probably. Dude, this is what you do over and over again. Yeah. You're never going to result in any progress in your life. Agreed. Yet you do it. Yes. That means nothing.

You're agreeing with me does nothing. It definitely doesn't take back all the credit card charges or prevent any future ones. Oh, yeah. Okay, Chase Inc. Card. Well, it's going on of this. That's the card that my advertising goes on. Oh, 500 bucks. Yeah, you spent $2.13.

Yeah, interest accrued. So, yes, we're going to line. call this a balance. $500.90. Minimumency payment, $188. $76. Okay. Fees.

$9? Did you say $9? Last month. $69 this year. Oh, it's a plan fee. A plan fee for Airbnb? Yeah. And that a plan fee for seduction?

That's my plastic, oh, my tummy tuck. So I said it was $7,000 because I paid a $1,000. thousand dollar Yeah Yeah This is a Bose moment It's 10 blocks from the train

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We went and got some bullshit thing from the supermarket, got some gas, something at Honda, I don't know. Oh, oil change. Always an oil change. I drive a lot. What's going on with this? How much is that balance? Okay, $1,014.7.

Oh, so that's the one that. that my advertising goes on. I actually don't know. She spent $863.11. $14.7. of interest is accruing. Yeah, G-suite, the not worldwide. That's advertising, yeah.

Okay. And then the not worldwide, that's advertising. Okay. $22 of interest is here so far. Okay. Minim monthly payment is... Is credit card interest tax deductible on a business credit card? Because I don't claim my interest.

And you're the tax pro. Actually, don't know. I'm not the tax. I know. I was kidding. I was kidding. I'm going to talk to a CP. I know lots of tax questions,

but I actually don't know the answer to that. I mean, someone proposed at some point having all interests on credit cards being tax deductible, but I think that would be ridiculous. That would be ridiculous because why the fuck would we allow someone's behavior to be tax deductible? And then all of a sudden just never paying off their debt. It's so stupid. And then it's just a business.

That would just be so beneficial to the credit card companies. Like we're just supporting them as a country and culture. that's so weird. Yeah. Like subsidizing them? Amen to that. I thought the interest itself would be tax deductible, but your payments to the card may, no, because then you're spent, hmm.

Interest you pay on a credit card is deductible as a business expense if the charges on that card were used solely for a business purpose. Wow. That's awesome. Well, so proprietor, deducted on Schedule C. That's what I buy on Schedule C. Okay, so yeah, you should be doing quarterly, by the way. Oh, okay, I will. Two quarters behind.

Late fees are not tax deductible, though. Yeah. Okay. Why wouldn't everyone just... Okay. Okay, freedom card. What's going on with this? Freedom.

I might just have one recurring charge on that. Great. $125, but we don't pay it all off. $204.0. 81 cents. Minimum monthly payment, $25. Just all you put towards the last time And then allowed that recurring charts to hit

$4.81 of interest. That is a medical spa. Something critical when we can't afford life. Correct. Honda. Oh, this is your car. You're driving everywhere, right? Yes, sir.

It's got 74,000 miles on it now, and I got it when it was six miles. Okay. Good. In two years. Well, EO. 27,124.90 cents. Interest rate of what?

65. Point. Yeah, okay. Not the most horrendous thing in the world. Not the world with the depreciating asset. $551.60 is your minimumity payment. That's kind of sucks for your income situation for sure. What do you think it's worth?

So cash 26. Trade in 21 to 23. I got cash 24, but. Oh, that sucks. I Kelly Blue booked it. So did we. Oh, weird. Okay.

Yeah. They keep trying to... I mean, if you go up on the higher end, but if you bring in the low end and then doing the middle, it's about 24. Yeah. I mean, I couldn't private sell it anyway. I'd have to trade it in or something.

Take a loss. Okay. Well, this minimum monthly payment is substantial for your income. For sure. Breaks the... Every rule in the book. What is that? $511 and $60.

I figured if shit hit the fan, I could live in it. You might have to My standards are pretty low It's literally 21% of your income Yeah Why don't you trade down? Maybe

But I love it It was the best thing that ever happened to me Which tells you how sad my life is Ah The best thing that ever happened to me Was I got to do a wedding in Alaska on a glacier I don't care I don't care

That's not this conversation That's not this conversation You can get married there too. This is not. So I have been car shopping our car. I've been car shopping on Carvana recently. Trade in? I don't know.

I was actually going to ask you that. I'm getting the itchies. Well, we got a couple options. So I'm going to. 2015 Toyota Corolla. Yeah. And in 2017, 50th anniversary edition, Toyota Corolla. Yeah.

And a 2017-50th anniversary edition, Toyota Corolla. Uh-oh, I don't know what that means. And in 2016, Toyota Corolla. We're going Toyota Corolla across the board. Sounds good. I want you to shop and choose which one you would. trade in. Let's see here. Take the options. Don't pull off the sticky yet.

Because these are what you're shopping for. Lindsay's been said this is what you've been shopping for. So here's the options that we've pulled. So this is literally what I've been looking at. So yeah, pick what you'd pick. You got the miles on there. And by the way, this is in Orlando, Florida, too.

This isn't even here. Probably the 2015 with 52,000. Okay, 2015, 52,000. Let's see what that is going for. $16,990. So you would be at a $20,000 an hour loan. So it doesn't really make sense anyway. Especially with where your credit score like Lee is and where interest rates are.

Your interest rate wouldn't be great. So that makes no sense. My credit scores is $7.35. That's if you're shopping on Carvana. They have fees to deliver. So I'm hesitant. Like I'll drive to Tampa or wherever to get it. But if we get this 2017 Toyota.

Corolla, 73,000. Not on Carvana. That's 12,000. So we'd be at like a 15,000 hour long because Carvana's a piece of shit company. Oh, I was going to say. That nooks you and they won't even negotiate anything. Oh, yeah. Now this does have more miles for what it's worth, what it is in newer car.

Who knows what the condition is. And so this is a Carvana one, if I'm not mistaken. This is a $16,900 car, $2,000, $20,000 with 70,000 miles. So it's substantially expensive. But if we go to the $26,000. 16 car comparable more to your 2015 at 79,000 miles, is Toyota Corolla and not at Carvana, 10,900. Ooh.

So either way, I mean, that would save you with the value that you need to borrow to pay off the car loan with what you currently still owe on it and what it's worth. That would be a total debt of like $13,000 if you got that car. I'd be down with that. Trade it in, $13,000 a loan. That would be good. That would be substantially better than $24. But again, the interest rate might be rough.

but if it is, you're still saving more money if we pay it off quick. Yeah. So that would still be worth it in my mind. Okay? All right. Let's talk about the checking account. $31. This is horrendous.

Yeah, my personal checking. I keep no money in that account. That's horrible, though. If any payment hits for whatever reason or even just accidental swipe. I have overdraft protection. So it pulls for my savings account when I do that. Let's see. $50 PayPal, $45 Zell.

$50 is to my dad. For PayPal. And the Zelle? And the Zelle? I said... 45 dollars. Yeah. And the rest is just transfers back and forth.

Not sure what a $45 Zell would be. Probably something stupid, though. And then this Chase Business Checking, 201750, started at 4. So it's headed on the way down. I loaned my brother that extra money. Why? Why are you loaning your brother money? Because he needed money.

I'm... Dude, you just don't have any. But I have it in my checking account. No, I should be going to debt. In real life, I have to. What did he need it for? What did he need it for? In real life?

He's not doing drugs. He's not doing drugs. So I don't care what he spends his money on. He has a... No, what do you need money for? To live? Oh, you might be enabling someone. You don't even know.

No, it's not like that. Lots of Benwine and Zally and a lot of shit. ATM and draw 3008. Who knows where that one? Drugs. PayPal, Best Buy, Best Buy. Zell, Zell, PayPal. Zell, Best Buy.

PayPal. Zell, PayPal, Best Buy, Best Buy. What are you getting from Best Buy every second of your life? Okay, here's savings. $2,000. And then here's savings, $2,650. Wait a second. Okay, so it's about half of what we thought, but that's, again, not surprising.

Uh, at all. It is $9,000. Anyway, whatsoever. Uh, okay. 4,000 savings. Gotcha. It's nine. It was nine.

Was, isn't. Okay. No, I mean, this time period, it was nine. I don't know why. I don't know. Because I have four, I have two savings and two checking accounts. Your checking isn't savings. And that was $2,000 in your business that was brought down from four.

So you're right. If you add the four and four, you're close to eight, but you brought it down to two loaning to your friend. And that's not savings anyway. That's your business. So listen, stop. No more. These are your statements. You have $4,000 in savings.

You have a couple thousand in your business checking. Okay. What is it? And like $40 in your personal checking. So I don't want to fucking hear it. Got it. Oh my gosh. Dude.

I don't think you know what savings is. It's the money I've been saving. Okay. Your income is $2,452. We're going to do expenses, not including business, because it's a wash. So debt payments. Let's add those up. 75 plus 78 plus 27 plus $227.

plus 0.84 plus 28 plus 40 plus 4.47.4 plus 33 plus 78.78.76. Plus 40 plus 25 plus 551. Point 6. No student loans. No house. So nothing that's actually benefiting us in any way whatsoever. Minim monthly payments to the debt,

$1,770.60. That's fucking crazy for your income, that is death, that is insanity, you are ruined. That is 72% of your income is going to debt. What is your rent? $1,8,150. You're over $1,000 over budget already. For, oh, between the minimum payments and the rent? Yeah. Yep. Okay. One, you need to downgrade your living situation immediately. Okay. Can I get a roommate? Yes, please.

Cool. You kidding me? Just kidding. I don't want a roommate. I'll have my two cats pay rent. Okay, so it's a joke to you. Nope. You need a downgared your rent situation,

capped at a thousand, which yes, it's not going to be perfect. It's going to be a downgrade. It's not great. I know. A thousand. That's where you're capping. What?

What? Um. And two? Listen. Yes. You can dedicate time to the side hustle, whatever bullshit, but you got to pick up in other side hustle. It is time to pick up something else,

and I did just get a note, which, thank goodness, because I wouldn't be able to budget this without this. But I guess you're open to calling your friend to ask for a side hustle. So we always do phone calls in the post show, so you're going to call your friends and ask for this job in the post show. And then we'll hear more about your tea. But the reality is, I mean, what the

this is crazy 300 for food 100 for TP fund what's your gas 160 but that's going against your business so we're actually going to write that off and also that number doesn't really make sense

for the mileage does that okay yes that's going to cross for me so I'm not going to put that in a budget phone bill for 60 40 $40 a month.

Okay, that's pretty good. That's a little more than what we recommend of helium, but that's fine. Internet utilities, all that? $60 for internet. $75 for water, $150 for electric. Medical health care co-pays anything? I have my $50 mental health every month. That's up there to 100.

15. It's not therapy. Although I could benefit from that. $15 a month for dental insurance. $100 every three years for eye insurance. Okay. That's fine. Got to see. Jim? $15.

Subscriptions. I mean, it's not even choice. Cat food? Cat food. $40 a month. I mean, just your budget alone. And I can't. wait for this phone call because and I, but the thing is, as far as I know, you haven't talked

to your friend, your friend doesn't even know about this. And this was the idea that you kind of came up with in the green room as a way to supplement your income. Because as you looked at your statements before this, you're like, oh, there's no way I can make this work. So we're going to call, you're going to call and you were going to try to get a job in the post show for the very first time. you need $5,000 to survive at a minimum basis. $5,024. You need to double your income

in a minimum basis. This is crazy. That's where we are. I'm sorry. I mean, there's no debt payoff strategy. We need to figure out the income thing. Yeah. All right.

Let's get the financial score and then we'll jump into the post show. Spending to budget you overspend $0.10. I mean, no collections or anything, but it's horrendous debt for your income. One out of ten. Emergency fund, $4,000. We'll call that $4,000.

four out of ten retirement i didn't see retirement zero out of ten is there retirement walmart how much no i mean um billy a walmart greater i'll say zero out of ten hammer financial score one out of ten i'm gonna die at sixty three when you took your quiz your savings was probably higher or you calculated your savings incorrectly like you did here and that's why the score is higher remember you can get your score at kalebamer dot com now join hammer elite below three premium shows posted every single day monday through friday and come watch this post show. We'll see you there. It's going to be good. I want to hear the rest of that juicy story. I told this guy when he was hitting on this other lady while we were together,

I said if you screw her, I will fuck her husband. And then you want to play games with me. I'll show you games. Oh, you're crazy. Inclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us. We've tried.

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