Financial Audit - Septum Piercing Freak Makes Financial Audit History

Episode Date: July 23, 2025

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You've been living at home for two fucking years, and you still spend a... more than you make. What is wrong with you? I'm being positive about it. You have a $3,000... Shut the... You have a $3,000 over draft balance. I'm just a girl.

That is not cute. You're going to piss me off, and I'm going to kick you the fuck off. Septim piercing, obnoxious, mother f***es. Hammer Elite is the best YouTube membership on the platform, and I just upgraded. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pin comment below and submit proof and purchase at Hammer Elite.com.

After that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise. Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles, and this is Financial Audit. septum piercing once a week at this point, huh?

Yes. Okay. I'm glad you answered yes. Are you in the casting department here? Okay. So thanks for coming in from L.A. I know you're flying in and out the same day. We really do appreciate it.

What do you do for a living there? It's expensive city. We all know that. I am a but tender. Bud? Yes. Bud. Okay.

So not. Okay. Not speaking incorrect. Kind of sleep. You're at the counter? Are you at the counter? Is that it? You're just at the counter person.

You're a cashier. Yes, cashier. Okay, yeah. What are you paid? 18 an hour. That's a cashier. In L.A. Okay.

Sounds like much more than it actually is. Yeah, but tips. I know, I guess the tips always help. I think every month I get at least $1,300 extra cash. And then we also get debit tips. Debit tips, I haven't. like counted how much I get monthly, but... Do you know it hits your account per month?

It enters my account. What hits your account for month? A month. A month? With the cash and everything. Sure, total. Let's go total. Like 4 to 5K.

Okay. Again, it is a more expensive city. We'll say 4,500. So, not 54,000 hours a year. You know, there's definitely some situations where we can make that stretch for sure. R roommate situation. Okay, okay, okay. So why are we here?

What's going on with you? That ain't bad. Well, I have a lot of debt. Yeah. Why? When I went to college, I moved out. I don't think things are just student loans, lady. I know they're not student loans, but it started.

You went to college? When did you finish college? When? Three years ago. So what's going on then? Why were still like, well, when I went to college, three years ago? So it's dead that's three years And I guess I've been avoiding it until recently

Why? Because I was scared to see the number That doesn't fix anything I don't know Okay He was telling me you haven't gone into debt At all these last three years No I mean it stayed the same

Like I guess that debt when I started Am I making sense? You're making sense I don't know if I believe it Well You're making sense Okay 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. So when I went to school, I moved out. And then when I moved out... Oh, you moved out to go to college?

That's crazy. Okay. Yeah, my aunt was renting out her home. So I wanted to have that whole experience. I almost... Sorry, I'm going to go. I almost moved out... Oh, dorm at my college.

But that was going to be expensive, sharing one dorm room with, like, two other girls. I didn't want to do that. So I moved with my aunt. Not with her, but it was me, my cousin, and then two of my friends. I paid $1,000 a month. What is it the top of your head?

The top of your nose. It's a scar. Oh, that sucks. Keep going. And that's like on to debt. I guess I got grants. I thought that money was going to come all the time. But then it stopped.

Yeah. Okay. You're spending $1,000 more than you bring in. So I don't know. Shut the fuck up. Like, that is not your issue. Obviously, it's been more since college. And this is, again, I said it didn't.

didn't trust you. Well, now the numbers have confirmed. Spend $1,000 more than you make on a monthly basis. Yeah. Also, no, $5,400. Was it right? Sorry, sorry, sorry. You had a little more than $4,500. You had basically $5,000, actually very close to it. And you spent basically $5,700. I spent that much? Yes. 5,900 came in, $5,700 went out.

$4,900 came in, $5,700 went out. Oh, wow. See, I didn't know that. Oh, wow. I, oh, yeah. You wouldn't have just blamed down on what was happening five, six, seven years ago. Yeah. Would you go to school?

Huh? When did you leave house to go to school? This crazy thing. Twenty. How old are you? How old are you? 30. Oh, how old was I?

Yes. 27. What were you doing before then? When I was. What have you been doing? with your life. What I mean? Going to school.

You just said you went and moved out for school at 27. Well, for... And now you're just a cashier. So, like, what are you even doing? So you went to community college for a decade? No, for two years. Okay, so what were you doing from 18 to 25? Just working.

Doing? Random, um, cashier jobs, I guess. Because I was like, retail, clothes. So, food. Okay. So six years to cashiering. Yeah. And you go to school for multiple years. Four.

That is multiple. Yeah. That's not a lot. That's like the basic. No, it's fine, but you went to school. Yeah. I'm not criticizing how long you're in school. Okay, okay.

You cashiered for six years. You went to school for four years. And now we're a cashier again? Yes. The fuck are we doing with our life? I want to pay my debt off. Okay, so get a job with your degree. But even with my job,

job with my degree, I feel pays the same. Like, even working at schools. What job would you have? Like a sub, be a sub. Substitute teacher? Yeah. If I get my credentials. Your degree was not in substitute teaching. I know. My degree was in Chicano Studies and I got a minor in film.

It was what? Chicano Studies. Hold on. I'm real white. Are you judging me? No, I'm white. Very, very white. I am realizing now. So I'm Chicano. Yes. Is definitely not chicken.

I do know that. Okay, I don't know what Chicano is. Really? What? I'm from Michigan. I saw one Mexican my entire life until I moved to Texas. Please tell me. What? You need to go to L.A.

Chicano, it's a culture, Mexican-American. And you got a degree in that? Yes. On purpose? Kind of. I wanted to connect. Yeah, I wanted to connect to my roots. And cool. Go to the seminar. Go to a cultural landmark or read a book and don't get a degree that is going to determine the careers you're going into right outside of college that you're then going to likely build for the rest of your life.

Because you're not getting a job in Mexican-American studies. But I could go back to school. So, to be clear. Yes. Yeah? Yes. What are you laughing about? I'm just laughing.

Why? Because. Because what? They're making me laugh. Why? Because it's funny. What's funny? That's how I cope.

So to be clear, we go and get a four-year degree so we can go get a four-year degree? That's how that works. Kind of. I think I did that on purpose to make my family. You went and got a four-year degree so that you could go and get a four-year degree after that. Yeah. What's a thought? I don't know yet.

My goal after college was to pay my debt off. So I think that's why I'm focused on that. Right, which is why we spend more money than we bring it out on a monthly basis. What the fuck you're talking about? Because I didn't notice. Because I was avoiding it until now. No, you've been out of school for three years. You said your goal after school is to pay your debt off.

That's a lie. That's a lie. I mean, like, what are you talking about? That is objectively incorrect. You did not do this for the last three years to pay your debt off. That is not your goal. That has not been your goal. And now we went to and went to school starting late and that's fine.

But you went to school so you could. go to school again? Like, that doesn't make any sense. What's this next degree we'd be collecting in our infinite collection of degrees and never doing anything in life? Okay. Will it be anything productive or is there going to be something stupid again? Yeah, I mean, I guess that's what I'm trying to figure out. Are we going to, should we get the Chinese American culture studies?

No. Well, I did ethnic studies in my community college, so I did learn other histories. What a career field. But I just don't know my next move now. from, I guess, my degree. Maybe something that has jobs. Related to. I know.

I'm sure you can go and get a doctor and become a teacher of the studies so we can convince more people to go waste their time on a useless degree. I mean, it's not useless. Yes. I mean, for me, I guess, right now. No. A degree is to get a job. A degree is for a career.

field. Yeah. You can read a book. You can go to museums to get what you were trying to get cultural enrichment. I'm not opposed to cultural enrichment. You can go without spending the four years in the degree that you are going to use on your resume to try to get your first job outside of college. Yeah.

You can read a book instead of going tens of thousands of dollars into debt. You can read a book instead of moving out of home. Culture enrichment is not bad. Yeah. Wasting your time. money, and the degree you got on something that is a worthless piece of paper in today's job market, if we're being completely candid. Yeah, fuck you. That is more worthless.

Some of them. Like there's some jobs that are good for that. Tell. But I just don't. Tell. Please. There's nonprofits. There's.

So what's the job? What's the job? I don't know. I didn't apply to any of them. You can't even tell them what the job in the career field is. Well, there's multiple. There's not profits that I can get in. and make videos.

Like, I don't know. Yeah, but I don't have skills like that. No, I'm saying you can get, like, what the fuck are you talking about? Oh, what is L.A.? What is L.A.? No, I'm saying, like, I can go name a job that I could go get a nonprofit.

Just because this is a nonprofit doesn't mean your job exists somewhere. If it's like a Mexican-American non-profit or something Latino. What's your nonprofit doing what? What's your nonprofit? Your job. I don't know.

I only know the job I have, personally. Which does not require a degree and definitely not that degree. Yeah. It's true. So you're wasting your life. You have nothing going for you and you've done nothing and you're 30. That's not true. You're right.

You haven't done nothing. You've accumulated $46,220 a $0.4 cents a debt. But that's not a lot. Like other people. What the fuck you're talking about? Like other people? Yes. Doesn't matter.

I'm so over this. That's why I'm here. For a long time. Oh my gosh. You're hitting every catchphrase. I messed up. I'm laughing at. I did.

I was uneducated how I took out the loans, a subsidized loans. I didn't know I can press buttons off and then I got it. Student loans is 8,000 of this. I know, but go die. Like that's your student loans are not what the, this conversation is about. What? What? I said this student loans are not what this conversation is about, lady.

Okay. Then what is it about? The rest! Which is what? And you having done nothing productive with your life? What do you mean to have? I work. That's productive.

Listen, and we need service-based jobs. Don't get me wrong, but you went and spent your time and money on a degree that you aren't even considering using because you don't even know what a job with that degree would be. You can't name one job. But AK is not bad. one job. But AK's not bad for a UCLA degree. Sure. Okay.

I think we should talk about the other stuff. Your debt would be better if it was majority student loans. However, what? Why? Because student loans are typically lower interest when they're federal loans. Okay, that's fair. When they're federal loans, there are more ways out of them except bankruptcy, but there are more ways to potentially get them forgiven if you went to a scam institution.

You can put them on pause. income driven, you know, if you get laid off, there's lots of help. Yeah. Not with the Nordstrom card. So, yes, I wish they were mostly student loans. And yes, $48,000 a debt is bad. What the fuck are you talking about? It's not that bad.

I'm not going to let you walk away with that, $46,000. What, what, how can you please define how that's that bad? Well, it's payable. I don't need to file for bankruptcy. I could probably try and pay it off in like three years. Tell me your strategy. What are you getting to do there? Um, not buy stuff, not spend money on buying things, like clothes.

I'm a girl. I like fashion. That's your strategy? Yes. I just don't buy clothes. Yes. Or tattoos. Yeah, you have some tattoos.

Yeah. We'll probably stop. They're expensive. Don't you spend money on clothes? here and there, but also I can't afford it. It's in my budget and I don't have bad debt to pay off. I don't know what you're complaining about. How much were those glasses?

300. So what are you doing then? Because you haven't done a single thing. You don't think so? To pay off debt. You haven't done anything. I mean, I've been paying them on time. Well, we'll actually see about that because most people say that and then they don't.

I do pay mine on time. I hope so. So we will find out. But it feels like I'm not even paying it because the interest rates high from the Nordstrom's card and the mother card. Since you're such an expert and you spend all the time and all the money on the Chicano degree, I've brought in my local half Mexican and equal tattooed degenerate. Brandon, welcome Brandon, everybody. You know him from Hammer Elite. He has a quiz for you.

And we want to see if you're actually an expert in Chicino. With the last name, Kavazos, I do feel like I'm able to give this test out appropriately. First question, who was the leader of the United Farm Workers and a central figure in the Chicano Labor Movement? Caesar Chavez? That's correct. Number two, what was the name of the 1969 plan called for Chicano self-determination and cultural pride? Wait. What?

That's the question. Thank you. You got the degree, not me, bro. Come on. What was the name of the 1969 plan that called for Chicano self-determination and cultural pride? Is it the Zoot Zutes? You're wrong. You're wrong.

We'll get there later. What 1972 novel by Rodolfo Anaya is considered a foundational text in Chicano literature? Oh, you're so bad at this. why you're never going to get a job in this you don't even know what job exists in this this is this is pure chicano okay one out of three so far three years what is the most popular low rider car popular low rider car yep i think there's many impala most popular the impala oh that's correct chikino come back a chikino comeback they call it usually chikinos have come on their back i should buy an impala what year was the chalupa invented

The Chalupas? Mm-hmm. 1998. You're wrong. Once again. And one year later, very close. Very close. That degree is almost going for nothing.

And what beloved Chicano actor is known for his love of tacos and donuts? Chicano actor that loves donuts and tacos. Is it Danny Traffo? It is. It is. Look at that. All right. You got a 30 in college.

Is that 50 out of 50? They don't teach math in Chicano? All right. Well, and say bye to Brandon. Bye. Bye. Bye. Okay.

You're kind of a Chicano. You're like 60% on the way there. Proud of you. So you say your main goal is to pay off the day and that's what you've wanted to do. And that's why you haven't gone into the career field, all that stuff. Okay. So what is your strategy of budgeting? Tell me of the your budget.

I am. Living with my parents and I'm not shopping online anymore. That's budgeting? Yes. Living with parents can be a good thing depending. I mean, you kind of move back in at what at 30? No, I moved back then. I think 28.

You've been there for two years? How long are you going to be there? I don't know. I kind of want to stay. Why? You know why independence? I did have that, but. What about dating?

I am dating. You have? You're a boyfriend? Yeah. And you live at home? And he's okay? Yeah. Because, well, yeah. I don't have a relationship. I, my, ah, uh, you caught me off guard. Sorry. And he has his own place. No, he lives with his parents. Okay. And how old is he? 29. Okay. I see the people I'm dealing with here. You tend to find more replicas of yourself

on there, don't you, ladies and gentlemen? I think so. But, I think for myself when in my 20s, I was always out. But now my parents are getting older and I kind of find it healing to be with them. Sure, sure. And I don't have anything wrong with people living at home. Lots of other cultures live at home longer. But the fact is, in our culture and things like that. And when it comes to independence and building a relationship, maybe even building a future family, whatever it is.

How many of you guys have been dating? A year in like seven months or something. It's a year in seven months. So we're talking usually, you know, pretty close to moving in maybe or even getting engaged. at that point. I'm scared of moving in. I've had that experience. Yeah, if we live with mommy and daddy

but I've had that experience before. That's why I don't want to live with the cross- That sounds like it was a bad relationship. It was. Doesn't mean this was. Doesn't mean... If you're considering this a potentially bad relationship, don't be in it. Then you should be able to move in together.

Yeah, but look. All my stuff. I can't move out. But no, no, no. What I was trying to say is you living at home isn't necessarily a bad thing. But the staying at home for our own, There is personal growth that happens, especially in our culture with a little bit more independence.

Yeah. And I'm nervous that you're not getting that. But when I got independence, I spent my money because I wasn't financially... Just because you're immature. What, you think living at home with your parents is the only reason you're mature? No. Then what? What makes me immature?

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Now through May 6th, Exclusion supplies to homedipo.com slash price match for details. You just said you living not at home made you go crazy, spending all your money. So you're only mature because you live at home. well, I don't even save me. I feel like I'm not spending. Wait.

You've been living at home for four for two years. Hey, you've been living at home for two years and you still spend a thousand hours more than you make? What is wrong with you? How are you spending more than to bring it in your laughing? Nobody thinks that's cute. You think that's cute? No. Yeah, let us see more of those fake, like degenerate-ass sparkles on your teeth.

Why? Keep laughing. No, no, because you told me to laugh. I'm not going to laugh. All right. Let's be honest. Most of us weren't exactly a critic our job. geniuses in our early 20s.

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How much were those? Those like little middle school things. These are actually free because I won a contest. Great, and now you look like a middle schooler. Okay. I'm healing my inner child. Yeah, that's what you need is to be more childlike. That's what you need.

Useless degree. So is at home. Boyfriend still lives at home. Well, if you didn't live at home. And you want to be more like a child. This is going to go great for you. I'm trying to figure it out. How?

What are you doing to try to figure it out? Spent two years to spend $1,000 more than you made. If you're going to say that, tell me what you're doing to try to figure it out. Not spend that much. Spend less? I don't know. Maybe start a clothing brand.

That means nothing to me. You keep talking about this clothes thing. Buddy, you spend a thousand. I love clothes. I love clothes. fashion. It's my thing. That's great. You spent $500 going to... Shut the fuck up. Shut the fuck. Yeah, well, that would have been a better degree,

even though it's still an overly competitive degree, but it's so stupid what you did. Listen. I know. This, you went out to eat $500. Missing is, it was almost $800. It's not just clothes. It's food. It's a part of it. You live at home. Huh? Food is a lot. Because on top of having my bud tending job, I also work with my friend and we do native gardening.

So I also... That takes time? How much time? Like, a week? Yeah, a month. I don't know a week, sure. A week, maybe like we do 16 hours. And what do you make from that? She pays me 30 the hour. Okay, so what's your account from that on a monthly basis?

What? 400. Maybe like 500, 600 extra a month. What the fuck is this? the fuck is this you live home with their parents you have this credit line with the bank and it pulls from the credit line when you're overdrafting and then you have to pay an additional

17.9% interest rate on it and you have a person 3,000 what is wrong with you? You're smirking, you think you're cute you're not, you're overlining your lipstick and it doesn't even look good it's fine.

This is not cute, Okay. You're just sitting there laughing like this is a joke. It's not, he-ha, he-ha. You have a $3,000. Shut the, you have a $3,000 over-draft balance. Yes. What the fuck?

I'm just a girl. I don't know. Really? I'm not financially literate, yes. That's not financial literacy. I know, but I- You're overdrafting into a loan. That's not financial literacy.

No, we all know nothing. No, no, no, no, no, no. If you get hit by not having enough money in your checking account, we all know that is bad. That is not financial literacy. If you get penalized for not having enough money in your checking account, we all know not having enough money in checking account was bad. If you get penalized for not having enough money in checking account because you're spending all the time, we know that is bad. If a loan is going up, we know that it's bad. That is not financial literacy.

Everyone knows that. We, you know that. If you know a debt goes up, that is bad. In fact, you're crying about $6,000 to student loans, you know this is bad. It is $3,000. Then what the f f you're doing? Why are you allowing you to overdraft? Huh?

I'm being positive about it. You shouldn't be. You can't be. You need to be real realistic. You're manifesting is only going higher. What the f***ing you're talking about? Your dead is only going up. Your overdraft is only going up because you can't stop spending like a fucking animal.

It's a minimal payment. It does it on its own. I haven't used overdraft. Yes. What? What? I don't, when? The first of last month.

What is it? The first of last month. How much? It's a normal overdraft. So just another overdraft on top of the overdraft? Yes, it gets added to your little overdraft loan account. Which I've never even seen before, by the way. Congratulations on making financial out of history of something so horrible and disgusting.

That is not cute. You're going to piss me off and I'm going to kick you the fuck off. I'm going to kick you the fuck off. fuck off if you keep trying to be cute. You're not being cute. You're being an obnoxious. Oh my God. Saying thanks.

Saying thanks when I say you are very clearly bad and it is the first time I've ever seen it. That's something that bad. That is not cute. Stop trying to look cute. It's not funny. No one's giving you high fives in the comments. Shut the fuck up.

I know. What do you want me to do? Shut the fuck. Fine. Septim piercing, obnoxious. Mother f***. You are not cute. You are not funny.

You have a $3,000 over draft alone. It is a joke. It is disgusting. You live at parents. You've done nothing. You have a worthless degree. You have nothing going for you. And yes, this is bad.

Yes, this is bad. And I'm not going to baby you and coddle you and let you think that this is just okay. This is not okay. This is the complete opposite of okay. It is disgusting and you should be ashamed. You should be embarrassed. And you should be doing everything in your life to try to turn this around for the sake. of your own

life. And the fact that you're not and you're not disgusted is embarrassing and sad. Why is it embarrassing? How do you do? It's embarrassing. Oh,

fuck, guys. Oh, fuck. I don't want to, I don't want to have a crash out episode. You don't feel embarrassed that you have an overdraft alone. Something that's never happened in the show and that you just say

thanks when I say you've made history. Well, probably because a lot of people don't know about it. Or either their base don't give me that. I have their statements you did. I have their, statements. They don't know. Filming four of these a week for three years, I have their statements.

Well, they don't need to know about it. I know they don't because then they probably would use it like I did. Dude, I don't even know what the fuck to do with you. I don't know. You're lost. Is this even worth my time? Yes. Why?

Because I want to pay everything off. I want to know what I... If I have to... If I have to... If I have to... What do I mean? What do I mean? Have you seen?

respectful. You said, I'm not going to go. What's wrong with saying thanks? Come on, because you know what I was saying was objectively, you are in a bad place. You're saying thanks?

That is going to piss me the fuck off real quick. Okay, I'll take it back. You and your boyfriend both, huh? You and your boyfriend both, both like this? No. Yeah, you're going to be the ones making kids somehow. No, no kids for me, thanks. Trust me.

Yeah. You'll fucking accidentally. No. Thank you. you. Nope. Don't say that. And how are his finances? What? How are his finances? They're fine. Doubt it. No, they are. You think you're not that bad. Yeah. What do you think your financial score is zero to ten? Zero being the worst, ten being the best. Like a three. Chikino studies, no one ever do it. They all become morons. You are the... Is it a three?

I'll calculate it at the end. I don't know your finances, okay? Jay Kend are telling me to look at that account. I don't know. I go and blind with the audience. Oh, okay. Sake, dude. If you watch your financial score,

go to Calebhara.com or click that link in the description below. It's a free assessment, and you can see where you stand in the world of finances. And if you don't want to end up like a guest on the show, make sure you download our app, the dollar-wise budgeting app, take your free trial. Sign up for the annual version. I'll send you our cookbook sign and mail directly to your door.

And if you want to take all of our educational programs, join Dollar Wise Central and you get them all for 80% off including the premium version or app. It is the best bang for your buck. Go to DollarWise.com. Click that link below. Calebhammer.com slash apply to be on this show.

Okay. Oh, dude, that's just looking at you. Pisses me off. Oh, I don't like when I feel this way. I'm sorry, audience. I'm sorry, audience. Why don't I like it or why do I feel it? Why do you feel that?

Because you, I hate you. What even is? I don't even know what to name this account. What is this? School first FCU. Oh yeah, there's a credit card. But then my school first. How long does this take the payoff?

Well, here, here, shh, quiet now. The number one YouTube membership just got upgraded. And for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial Audit Post shows. Exclusive and uncensored financial audit episodes. our call-in show, Hammer It Out. Then take the train!

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because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. You owe $1,430. Card of line, $1,500. Great, shocker. Minimum monthly payment, $69.

Okay. Yeah, you made $3 to purchases in $17. Or $17 to $70 of interest. Bounce only went up. We're borderline at the limit. Only $1,430.80, which for credit cards isn't the highest, but just that alone, which is actually bad for you, by the way. But just that alone, how long does it take the payoff?

Minimum monthly payments without making any purchases. How long? How long, big lady? $300. $300? What? Dollars. Are you giving me a math question?

Chikino Studies. I don't do math. It's not math. I asked how long. Oh, but you said how much? How long? That would probably take me like 10 years. No, no, no, no.

Pause. To be clear, you thought I asked, how much does it take to pay off $1,300? Like how much dollars? $1,400? And you said $300. A month. If I paid $300 a month. Yeah, that would pay it off in a certain amount of time.

Yeah, that's what I meant. So your minimum monthly payment is $69. So would $250? So $251 and two and three and four. I, what? I don't get that answer. Okay. Yeah, time.

How many years? If I did the minimum? No purchases, minimum monthly payments only. Ten years? Eight years. You find that acceptable? You still living with mommy and daddy at 40? No.

But you probably will. You haven't a hope of surviving on your own. Unless I start creating things. What are you going to create? I just told you. I just told you. Fashion and misery for men in front of you. Fashion, brand, clothes.

Look at you. What are you doing? I don't know. What's so fashionable? Look at you. I'm not trying to make clothes. Well, that, okay, see? No, I don't.

Well, that's where my mind is at. I think that's what I want to do, but I don't want to spend more money if I don't have money. So that's why I don't want to start something. thing. I can't start if I don't have money. Hey, honey, it's mom. Did you know if we switch to Verizon we can get four phones for $0 $4.00, plus four lines for $25 a line. Call me back. Me again. That's just $100 a month for four lines on unlimited welcome plus four phones, no trade in needed. Call me. It's mom.

America's Best Network, Verizon, that's the one we're talking about. I'll send you text. America's Best Network based on Route Metrics, Best Overall Mobile Network Performance, U.S. second and a half 2025. Four two lines on a limit and welcome and auto pay. See Verizon.com for details. And I think I can make more money. Guys, if you want to dress like dumb. Because, okay, but Chicano studies, there's a Chicano culture.

In L.A., the clothing, like, fashion culture over there is really big for the Chicanos as well. And I think I would be really good in that. But again, I know how many. So I'm trying to, like. Because he's spent it all. I know. to make nachos in the microwave. I've learned more than you did your entire four-year degree.

It's fine. But I just, there's a lot of history. And history is great, but no offense, it doesn't really land jobs. I know. We go to college to better our career. I think it was easy. You can get history from the internet. It was easy.

Huh? It was easy. Well, no shit. It's a bullshit degree. It's a bullshit degree. This is just for myself, more than... No shit. Instead of actually for yourself and bettering your life?

Yeah. I got scared. I didn't want it. want to do psychology. I thought I thought I wouldn't do well. Who said you had to do psychology? I wanted to, but then I chickened out and I did There are other options. Yeah. There are other options and please don't do psychology. I guess I just don't

believe in myself, that's all. Well, fair enough based on this. Yes, see. I'm trying to change that. Not trying to be mean, but I mean, look at you. I know. I understand. Again, have done nothing but failed. I'm not going to sugarcoat it. If I'm going to let you think you've been successful, I'm going to harm you. That's harming you. Okay. You have been a failure. You are

a failure. You can turn it around and I hope you do. But to think that this is anything other than a failure would be doing you a disservice. Yeah. Well, thanks for being honest. Well, I'm nothing but. I'm just a crowing. I don't know.

It's crazy. Cesar, what's Kaiser? $60. Kaiser. Kaiser. What's Kaiser? Kaiser Health? Okay.

I had to do checkup. Good. Make sure you didn't get AIDS from all the needles? What? Why would I get that? No. Oh, there's more. Taste tea, tasty?

Oh, yeah. That's a tea place. And that is more important than every movie now and heading independent. It wasn't. I didn't need to get that. It was too sugary. Plus many things. Oh, the fact that it's too sugary, huh?

Yeah. I should have bought the things I bought. I'm just so confused. Maybe I shouldn't eat. Who's buying your style? You look like you just walked out a hot topic. I'm so confused. What?

Yes. I'm so confused. Not topic. Yes. Or that was it. Or Spencers. I don't know. I don't know what you're selling

Well, I'm not selling anything yet I start to make it Guys if you want to look like her Go to Dom has a terrible Go to Dom has Terrible Fashion.com Tom has Terriblefashion.com And we'll set you up to look like her Not terrible

Tom looks like hot topic.com Dom looks like hot topic.com Hmm? Better. Better what? Better than Hot Topic. You look like the people that walk in and out of there

are not going to lie. You also look like the people on voiding that are walking in and out of there. Not going to lie. Well, it's good I don't go to the malls anymore. You also look like you smell of dank. Not today.

So if you put in any real work into this business, this big ambition, this entrepreneurial spirit, please tell me about your real work. What do you mean? My job that I have right now? Oh. Don't get mad. I get confused.

I feel like we're talking about a lot of things at once. Confusing? I just asked you a question. It was just a question. It used to tell me about your work. Oh, to do this. You're big. business, you're entrepreneurial. I literally said

your business, your entrepreneurialness. I've been asking chat, GBT, a lot of questions. And it's been helping me. I have a sewing machine, but I don't use it. I bought a desk to use my sewing machine, but I haven't used a desk or the sewing machine. I'm lazy.

It's hard. That's the first actual reality thing you said. What are you doing? do there. Work out. Okay. You're incredibly specific. You are just, you are.

I think those are the only things I have going. You paid $2,000 last year for tattoo. What tattoo? Alone for sake. Dude, you could be, you could have paid off this credit card and more. And more! I did pay some of my credit cards off. They're higher.

No. You just replace them. Just like on this card. You just replace them. You just fucking replace them. That is a lie. Northstrom, you shouldn't be seen near a Nordstrom. That is way too expensive for you.

You can't live alone. Why date this guy? You should break up with this guy. He's a failure. He's a failure. And he should break up with you because you're a failure. You guys are holding each other back in life. You enable each other to live at home instead of ever pushing yourself's next steps?

No. Yes. No. Go ahead. I think so. Explain. We're two individual people. Two individual failures.

Decisions. I don't know. Decisions to be failures? Okay. are living at home at 30. And you won't move out. You just said that's not a bad thing. It's not necessarily a bad thing.

But when you base it off of what has led to it and what they're doing while they're there, yeah, you're a failure. Not too much. I feel like I'm being mean, but I really don't like people like you. I'm just to be candid. It's fine. Like, you guys just hold us back as like a society. How?

Look at everything you're doing. You're trying to be cutesy and you think it's fun. And you get a worse's a degree. And you're just, you're going to milk the system of that. and you're going to cry about it. And it's just like, you just hold back everything. And this sucks.

You purchased $63.63.000. 233 cents of interest accrued. I know. You owe $5,495.45. What's the limit on this? I think it's stuff. Yeah, you have about a hundred bucks you can spend on it. You have a hundred bucks you can spend on.

What is the limit? I'm sure you'll do. I think it won't. $5,600. It went up to $7,000. How long does this take to pay? It's shut, well. I'm not going to use it.

Bullsh, look, you've used both cards to bring them up. Bullsh, both, bullshit. How long does this take to pay off? Minimumency payments only no. Like 13 years. 17. We're going to be looking at mid. I'm not going to take that long, though.

Yes, you will. No, you're going to take longer because you purchase. You don't want to. Yeah, all you do is purchase. That makes no sense. What you say that you want. Eat. Huh?

Are you telling me that? Huh? I shouldn't eat. Because all my money I spent it. Oh, you fucking shit. Dude, $300 of groceries and you'd be perfectly fine. And you live at home already. You think so?

A month? Yes, we proved it. $250. And you can use our budget-friendly cookbook, okay? We will give you one. That would help. Yes, that'll help, but you actually have the meal prep and do shit. It will.

No, you want. I need it. Yes, you do, but you won't. Listen. Oh, this is what's going to. You don't believe in me. No, I don't because look at your history. This is what.

And you can prove it by coming on the follow-up channel, but this is, this is, this is what- I'm going to prove you wrong. Then you're going to hate me more. This is what pisses me off about you. You say what you want, but then everything you do literally only does the opposite and takes you further away from it. Your words mean nothing, nothing. I can't trust anything you say.

Your words mean nothing. Your actions are so beyond counter what you say you want. Are you calling me a liar? I ain't calling you a truther. Yes. Well, I'm learning not to be a liar. How do you learn not to be a liar? Just don't be a liar.

Being honest. How about my finances? Not about being honest. It's about your actions. Your actions are completely opposite of what you say you want. And what you say you want just to flex the conversation so you can stop getting pushback and the thing I'm calling you out about. And you're like, well, I want to fix that.

That's just what someone says in this conversation when they're obviously doing the opposite. when they want me to back off from calling them out on that specific topic. If you actually wanted to not do the thing I'm calling you out on, you wouldn't do it. Well, I'll stop doing it. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this.

This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon the social investing app called Blossom. and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app.

It's social meaning you can follow exactly what I'm investing in, and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing, or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer.

I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom,

and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today. I'll be, I'm being real, though, I'm out line. Because I'm dumb being a failure. Doubt. Okay.

Doubt. I believe in me. Based on What do you mean? Based on why you've accomplished nothing! Not one time in your life if you accomplished something significant. Did you just fart? No, your leather chairs, my nails.

We don't have leather chairs. What do you mean? It's leather right here. No, it's not. Or whatever this is. I wouldn't fart on your show, okay? I think you just... Not free.

Huh? What? Oh, you're going to end up in the O-F pipeline, aren't you? You totally are. This is where people like... No. Out there in L.A. That freaks me out.

Oh, well, please don't even consider it. I won't. You're going in here. Jersey mics. More Kaiser. R.X. Medicine. Too late fees is here so far.

Where? Shut the fuck up. I told you. You. I forgot to put the auto pay. It's on Nordstrom. Really? Yes.

Oh, yeah, I didn't have auto pay on that one either. Oh, every time someone says it at the beginning, I know for a fact. I know for a fact at this point. If I see a military person, they're on disability for the rest of their life, no matter what. If I see someone that says they are, they have never missed the payment, they definitely have. These are the two 100% truths in financial audit, guys. And no matter what, someone will say that's why I'm here. And you already did like five minutes in.

$700 of interest accrued this year so far. What a joke. Over 30% interest. What a joke. Too late famous this year so far. Six months in, what a joke. Five months in at this statement. Five bucks?

Five months in at the time of this statement. That's no good. Show me a picture of him. Who? The boyfriend. The one we've talked about. Why? Because I'm going to judge him.

No. Well, he's not going to be on camera, but pull him out. If I want to wear weirds, leopard prints, go to Dom's Leopard Prince, go to Dom's Leopard Prince or nasty. Oh, yeah, this guy's a fucking failure. If I've seen a wannabe travel musician. Oh, yeah, this guy's never going to provide.

What a joke. This dude looks like he's from sublime in the 1990s. This dude's injecting hair twice a day. That's insane. No. This guy will never be able to afford anything. He's an emo weird. L.A.

free. of nature combined with different constructions of the human body. This guy, good fucking luck, man. Good

you guys are never, oh! That is the largest largest septum piercing I've ever seen in my life. Oh, you guys are perfect for each other. Please never reproduce. Whoa!

If it goes down to it, it's like, ugh. Who would play him in a movie. What are you who would play him? Are you looking somebody up? No. I'm looking up a picture of the person he's playing.

Because we don't show people without their consent on camera. If that's ever made it through, it was a technical accident that was fixed immediately. What does he look like on camera? What? Who would play him? Oh my God, I want to see. I found the perfect actor. What?

What is going on here? Breakfast. What? No. That's what it looks like. And we love the Down syndrome. We love the Down syndrome. We're not critical of the Down syndrome at all.

They're the nicest people you've ever met. We love the Down syndrome. We love the Down syndrome. Good. Big fans of the Down syndrome here. And the Autistics, give them all. We won't do eugenics. Bring them in.

We love them here. I'm glad. Financial audit is big supportive of any and all people. What the fuck was that minimum on the Nordstrom card? See, look, I get extra goody, guys. I get extra goony whenever they put a creature in front of me. This isn't my fault that I'm like this. It's her fault, which means it's Lindsay's fault.

Lindsay, it's your fault that I'm being a degenerate right now. And Colton's fault. The besties. And Jordan's fault. $194. Nordstrom. I don't know how you're going to afford these minimum fee payments. they're stacking, they're stacking, they're stacking, they're stacking.

And I hear that you blamed that when you had to produce, we're called the producers, you blamed it on, oh, I have such a problem, always wanting to treat people. You're blowing money on yourself on there and you won't even make your payments on time. Like, shut up. It is not you being a good person. I like buying gifts for people. Cool. That is not what got you into that dead.

That is not what is maintaining that debt. So when you use that weird deflection, it is bull. It is bullshit. Also, you guys are never going to move in together. But it's fine. He makes no money. You're both going to live with your parents forever. Are you okay with that? Yes. And what are we doing? What goals do you have? What ambition do you have? What can I help with? Because I don't want to be an entrepreneur.

And I want to do. What? How many of you know my dreams? Yes. Please tell. Please tell. Yeah. Just tell your dreams. Let's see if I can help you get there. Because again, again, I know, we're beating around. We're having fun. We're giving some good roasts.

And, you know, and I actually, I legitimately was very pissed off earlier, as you guys can probably tell. But it happens. I am only human. But, you know, thank you for consenting to all that. But even with that, let's see if I can help you get to your goal. What is your goal? What are your dreams, your aspirations? To have my own brand.

But that also, again, it involves money. And I want to be out of debt so I can make that happen. I don't know how long that's going to take, but I want to pay it as like... You want to have your own brand. And what's your brand, lady? Clothing brand, either gym clothes. Oh, no one else is doing that.

We haven't had literally five other guests in the show's history wanting to do that. Gym clothes, really? Yes, athletic wear. Well, it's, I want it to be... I haven't seen it. But there's not. a Chicano one. Great.

You'll cater to five people. Latinas, yes. More than, yeah, but Latinos will probably just go buy Lulu Lemon. Ballou Lemon. In Fabletics. Yeah, but they'll probably go brands

that exist that are good. But this brand could be good. You know? All right, guys, fine. Streetwear, you know, all the cute stuff. I will allow it. I will allow it for this one time only. I will allow the plug.

Guys, if you want to see her brand, go to Dom definitely has a brand. and a Down syndrome boyfriend.com and you can get access to all of her clothing today. What the f f***? Wait, what is this? Shop your way?

This looks like the best bike car, but it's not. That's a Sears one. You have a Sears car? I know. It still exists. Whoa, we're in the Fittany's right now. What are you getting?

Yeah, that one. No, no, what are you getting? Like, I'm so curious. What the f*** do you even get on a Sears card? It's just a random stuff, I guess. Okay. It started with a jewelry stand. They're like, you can get so-and-so-off.

If you open a credit card. I was like, okay. Then I did it. Oh, they're so good at getting you. They are. Now you'll $5,618. and 81 cents. They're good at getting you

because you don't have a single ounce of maturity. You want to be an entrepreneurial living at home, but you've never accomplished anything in your life. Good luck. I hope you do. Well, where do I start? One, get an idea that's unique. I guarantee you there's a thousand Latina athletic brands out there.

You guarantee you. Okay. Okay. Okay. So do something no one's ever done. let's just use my example. Let's stroke my ego real quick, okay? Let's have a little ego stroke.

I don't even know what that was. When I write music and, you know, I was able to make a living off a composer, a very rare thing. It's really cool. I wanted to write a piece of music that I wanted to hear that no one else heard. When I thought about making content, I made a show that I wanted to watch but didn't exist yet. So I made financial audit. That's how you have to think about it. What market is not being served?

Or if there is a market that is being served, what can you do so substantially better in such a unique way that it will surpass those other brands? Those are the two ways you essentially have to go about it. This is the most simple, easy version. Guarantee there's like 50 Latino athletic wares. You're not going to get there.

I'm sorry. Like you'll have some friends and family support it, but this is not revolutionary enough to get you there. Or you haven't told me what is going to be so, beyond industry changing that no one else is doing that you're bringing to that. Do you have that answer? No.

See, you're like, no offense to 90% of the entrepreneurs. And I'm glad we have an entrepreneurial culture. And I'm glad I want you to risk things. I want you to lose, lose, lose until you find the thing that wins. That is not a bad thing. What is so bad is everyone talks about what they want to do. Then they sit on forever. Then they imagine it.

They dream about it. And they never do it. And then you just live at home. Yes, exactly. That is just you. So I'm trying to get out. of doing that. But I guess it's just trying.

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I want you to pursue a career. And if something hits you and you're able to research it properly, then maybe we can start a business on the side. Ever go full in? I'm very blessed. The audience is amazing. I got super lucky that this took off pretty quick. But even still, I had to work my job many months before I, you know, went full into this. And I was not willing to just quit my job and start this.

Because who knows? This wasn't even started as a career. Of course, I hoped I could make my job. money off of it. I was hoping it would be a little extra money. Then I was like, oh, shit, I made a little extra money. Hopefully I can make full time off of this. Oh, shit, I can make full time of this. Maybe I can build a business. Oh, shit, I built a business. It's really cool. But never start with that's where I'm going to be. Let me quit everything and go there. Because that's too risky. Plus, you have so much debt. Listen, there's Latina Lifters. There's Dioza

fit. Z-F-I-T-O. Rare fit, soul work, Ferusa, Athletics, J-Z-D, Curva's Latina, Port Debraz, Charlie, the Mexico version. Those are the top 10 Latina owned and focused athletic brands. I never heard of any one of them. And yet, they're probably selling and making money, whereas you wouldn't. Off to bat, again, you might make some supplemental income, but that's a hobby. That's a hobby. And a hobby's okay.

Hobby's not something that I'm going to look down on, but I just don't want you to jump into this and think, I won't want you to just sit stagnant as you have the last 12 years of your life thinking that eventually I'm going to do this thing and it's going to be successful. You're never going to get anywhere with that. Yeah. And that's just real and I'm sorry.

I'll give you a course career certification if you want to go into a different career field so you can make more money. It's great. Our audience uses them. I would have if I knew about them before I did all this. That would help.

Okay, so this credit card is stupid. Of course. $5,618 $19 years to pay off. Yeah, you'll be 50. 50? Yeah, but I want to be faster than that. Yes, but you do nothing to do that.

In fact, all you've done is purchase and accrued interest. Your credit card balance went down just a few bucks. It's so insignificant. The minimum monthly payment is $201, so you wouldn't even be able to move out even if you wanted to. And what is it? Uber 1. That is what you have on here.

A recurring subscription. Oh, yeah. $750 is basically, rounded and interest lost this year alone on this card. We're well over 1,000 goes to 1,500. On both of these on all three of these together? That's substantial for you. I know.

It's at a 33.24% interest rate. That's all he get me. No, no, no. You got yourself because you have a lack of maturity. You're not able to say no. You're not able to recognize you're not a credit card person. So maybe I shouldn't take advantage of a tool that I'm incapable of taking advantage of because all it does is damage me.

Yeah. Yeah. But. Oh, for the f***. I didn't have to cancel that one. You call and you close it. You call and you close it. You call and you close it.

What's crazy? Nothing. I thought I did when I took it off from the PayPal. And now I went to another card. Taking it from a tap pay you think closes the card? Come on. Well, not the card. The Uber payment or the charge.

You probably had a backup payment. Yeah, that's crazy. You probably had a backup payment on the account. Well, I learned something new. Just cancel the subscription instead of... I tried on the app. On the Uber app? Let me.

Yeah. On the Uber app. Oh, no, what happened is I don't have access to my Yahoo email and then I can't... Pull out your phone! What? Pull out your phone. For that Yahoo one? Just pull out your phone!

Okay. What next? Give! But you need. in my passcode. Open. Oh, your little f***.

It's hit. Oh, this phone's horrible. What did you do? You've dropped it so many times. I need to get a new screen protector. You need a new screen. It's a sticker. You can't protect this anymore.

Oh, that's this. Okay, good. Because my... It's a sticker. I just can't find the other ones. Look, what I'm like... Why isn't your Uber 1 subscription on here? What I'm saying?

I don't know what Uber 1 is. Oh, what are these memberships you've had? Sculped you, lively. Home AI, Photo Leap, Microfactor, MealQ, TV remote. You have ICloud Plus right now, which is... I have a lot of photos. What happened? How did I take it off? Huh?

What'd you do? Nothing, because it wasn't in there. I thought it may have been in there. That's what I mean. I don't know what Uber one is. Okay, Care Credit. Oh, yeah. Oh, yeah? Okay.

$3,500. $90. And 34 cents. Of course. There's interest, $84.57. $1.21 minimum fee payment, 15 years to pay this one off. What is going on with this card? What?

Okay. Interest this year so far, $538. So what are we at? Like $2,000 now? It's 26.99%. What's going on with this? The care credit is, well, it's supposed to be for health and vet stuff.

I have dogs. And? And I use them on my dogs. How often? Do you have dog insurance? No. Why? Because I heard that's a scam.

It's not if you get good ones. It's safety tens of thousands. Which one should I get? Brandon, which one should she get? Spot pets? Really? Spot pets pretty good. Lemonade's pretty good.

There's some good ones out there. Because I have a big dog and sometimes he gets hurt. Well, if he has all these X things before that you've had to take care of, he may not qualify or he might not qualify for much, or your payment. might be absolutely insane. Also, tell us the real reason you got the Big Bill. Which about Big Bill? On this one?

I don't know. I've been using it. Your dog ate your roommate's magic and mushrooms. Oh, yeah, my wiener dog. Yeah, that's my other dog. Yeah, that one was like 900 or almost 1,000. Yeah. What the fuck was wrong with you? It was me.

It was her, my roommate's boyfriend's fault. Like, listen, if you can't afford to have dogs, even if you live in a home, you just can't have dogs because it's not fair to the dogs. I know it's not, but one of them was pushing. on me. Pushed on you. Tell me. It was my brother's dog.

And he moved down with his girlfriend, had a kid, can't take the big dog to the apartment. So I stepped in. For the sake. What is this card?

What is that? What is? I'm asking, what is it? What is it? I don't know. Oh my fuck. What is the account? It doesn't have any branding.

What is this? Yeah, what do you see at the bottom, by the way? Oh, smile. Yeah, what do you see at the bottom? It's for my wisdom teeth. What's highlighted? highlighted. But to avoid paying a cured interest.

What's highlighted? Come on. The late fee. Why is there why? What was it? The late fee. The person who never has lay fees? Yeah. It's because I didn't put auto pay. That's still a late fee. I know. I forgot. So because you got a late fee because you forgot, you actually never had a late fee?

Is that the mathematical equation? No, I just forget that I get late fees if I don't add auto pay. But majority of all my stuff is autopay. So to be extra clear, a late fee, because I forgot about the payment equals I've never had late fees? That's the mathematical equation. Yes.

Okay. To kind of make a sense, but yeah. What does it call again? Smile? Yeah, my dentist offers it and I got my wisdom too pulled out. So I like to tell you guys exactly what I'm doing with my own money,

my own investing and things like that. And a lot of you know that I was investing in an app called MoMoo for a while. That's where I was doing my brokerage trades. but honestly, I decided I kind of wanted to move on from the over complexity because it should just be simple, honestly. So I decided to search far and wide for a new partner to work with, to move my portfolio over and to trade out of a consistent basis, and I picked Weble because they have a great reputation online. So I got with them, and I was like, okay, I'm going to switch my stuff over.

And a lot of people in the audience, maybe they want to switch their stuff over as well, because they kind of like to follow what I do when I put my money places. So we worked with them and we negotiated some incredible sign-up benefits and transfer benefits if you decide to use Weeble. It is incredible. It is such an upgrade of a platform and I wish I did this a year ago or so and I feel dumb that I didn't. So here it is. Right here in the description, you can see you get a $200 to $30,000 cash bonus when you sign up or transfer. Also 12 months, a Wall Street Journal premium, a 3.5 IRA match and 30 days of Weeble premium.

So listen, this is such an upgrade. I feel like an idiot again that I haven't done this forever ago. That's where I moved, and I think that's where you should move as well. Check it out. Top of the resources section in the description below. Yeah, interest accruing 41. What? I didn't want to go to Mexico again because I went to Mexico for my other wisdom tea.

Oh, for $1.50. It was cheap. $1,196. Just hold on here. Interest is accruing, $41, $48 minimum fee payment. Seven years to pay off. Why do this for seven fucking years? I'm not going to do it for $7.

seven years. Yeah, except that's exactly what you're going to do. I think the interest rate starts after 12 months. It is interest accruing right now. What are you talking about? Whaley? That's what they said. Whaley?

Yes. Where? Well, let me see that actually. Sorry, maybe that was fees. I apologize. Yeah, that was the late fee. That was the late fee. Guys,

uh, reminder, I'm going to pay this off earlier. How am I doing that by paying late? And getting extra charges. Please make that make sense. And you're right. It is interest free for an house.

Shut up. It was an accident, which is why we've had three this year. Those are accidents. I just got it too. You're broken. You're never going to get anywhere. I'm so sorry. I know I'm being rude, but it's true. It's fine, but I just got it.

It's true. I don't give a f-f. I should have it all right away. It's true. In about a year, the interest will accrue. Unless I pay it off within the air. Oh, good. You're not going to because you'll late. Shut the fuck up.

I don't know how you've survived this so far. That's your life. Interest is accruing like mad. PayPal credit. What's going on with this? Clothes or shoes. Oh, closed, not closed.

Fuck, okay. $1,094. And I'm here, you're just getting Chewis, Chewy can be expensive depending on what you're getting. What are you getting on Chewy? My dog food. It's a 40 pound bag of dog food.

What is this? Deferred, named? What is named? Named. collective? Oh. I don't know. It was $153.355 cents. Yeah, that was a sweater. Come on. So, do we want to get out of debt? Or are we getting sweaters?

Because so far it just seems sweaters and bullshit. Listen, $240 of purchases on here when you only made $150 payment. Minimum monthly is 33. Like, it says it takes seven years to pay off. Some of these are deferred interest, but also interest is already accruing. So clearly some from the past aren't. $23 and $6. 67 cents

Some are coming 28 Some are coming at 30 This one's a 30 The one that's live That expires In that expires in a couple months You're not, you're never gonna Yeah dude I don't know

This is a mess What expires? And it's one of them One of your deferreds You have deferreds And obviously you never pay them off Until and before the deferred interest hits

You never do that How do I know? Because interest hits You have interest hitting constantly $140 bucks in interest this year so far Pay up power credit

is dangerous you have because it's so easy to just finance things speaking of dangerous for you to have a firm Yeah

What are you doing? Close Mashify Pull out your firm No this is Amazon This is fucking Amazon Right here

Pull out your firm Let me see I don't think I have the app So you just go on the website Um yeah Why should I have that No

pull up at your Amazon app though. Who knows what you owe on a firm right now? Hold on. Let me see. Pick a log in really fast. 157. I'm going to call it $157 with a $78 minimum monthly payment. Pull up your Amazon. Wait, I'm giving me the firm. Pull up your Amazon. Oh my gosh. Lady.

Listen, I'm moving to the show along. Move up your Amazon. Just give. Just give. I can do it. I can pull up afts. Oh, aye, hi. Pull the mic to your face. Okay, you move your face to the mic, but that's okay. What? Naked Essentials dry food. For dogs, you already get shift on chewies.

There's more dog food. No, but listen. Amazon Fresh Store, 11 things in the cart. F's sake. What are they? Protein smoothie, protein things, a necklace, more of those interesting Netflixes.

Sectional couch covers, coffee, fucking mugs. We really need that. I'm not going to be. I need a back massager. Awesome. Like my daughter.

Are you a mother? No, that's for my dad. But I didn't buy it. Couch cushion covers. Couch kitchen covers. A heat press machine? No. No, don't do it.

Don't invest into this business. Don't invest into this business yet. You're not there. You're not there. Do not invest into this. Please don't. Please. Okay.

Not yet. Not yet. Yes. Exactly. Not yet. You just have so much debt. What the fuck is this? What a F is this?

What is getting fashion and dolls kill in Nike? Is it Klarna? Yeah, I think so. Good. What? Huh? What? I'm just laughing because, oh, my God.

It's a lot. And you think it's cute. It's not. Okay, Klarna. You'll be clarning DoorDash before you know. Trust me. $6754. And $3.

It's your best. balance with a minimum fee payment of $274. and $39. And that interest is hitting, of course. Really? There's interest in that? Yes. What?

Welcome to how they make money. What do you mean? Right, but that's 36 cents. Yeah, but there's interest. If you were paying interest instead of fact... Yeah, about 36 cents. You're going to live at home forever. Literally forever.

It's fine. Alta beauty card. It's fine. Exactly. I don't know why the fuck I'm talking to you. What's wrong? You just said there's nothing wrong with that. And then now you're saying there's something wrong with that.

Context. A lot of other cultures do it. But you're only doing it because you want to just spend everything. But you do. You spend way more than you make. That is objectively true. Okay. So what the fuck you're so you can build your business,

your make-belief business that you've never done. So you can do a workless degree. I want to sit with my family, my parents. You can do it without living at home and having independence and making progress in your life. But when I was trying to do it. that and go out of debt. You can live in a lot of people.

Yes, because you can't manage finances because you're incapable of maturity. Because you're incapable of maturity. I'm not educated in it. No. No. Listen, I'll put you through our budgeting program. I'll get you in Dollar Wide Central where you get all of our classes, including all future classes, okay?

It saves 80% for these guys, but you get it for free. So take all our budgeting class, investing class, debt class, real estate class, recession class, everything you can do and take advantage of the budgeting app. That'll actually teach you. If we're going to use the I was on ed. educated. I would get educated. If we're going to use that, you can get educated, but that is also stupid.

You can figure out rent. You can figure out rent, dude. You didn't go into debt because you lived on your own. You went into debt because you're incapable of acting mature and telling yourself no. Yeah. Interest is accruing on here. You owe $233.7. with a minimum monthly payment of $30.

Interest is accruing. It takes nine months to pay off. It's at a 31.24% interest rate. What a joke. Nine months. Yes. I could pay that off. I could pay it off right now.

I could pay it out right now. You're kidding. You overdraft every second of life. And this is, this brings us back to the beginning of the conversation. It's not you living on your own is what got you into debt. You're still overdrafting now. You're going further into debt via overdrafting because you have an

Overdraft loan. That is so fucking stupid. Do you hear that? Overdraft loan. Yeah. I shouldn't be saying those words. Then why did they get that out? That is your immaturity and inability to control your spending or maturity.

This is so fucking stupid. Okay. Overdraft loan. Yes. Wait, no, we start with a personal loan. There's a personal loan. Why do you have a personal loan of $7,942? Because I took it out to pay my other loans.

What loans? I mean, not my loans. My debt. But then the credit cards. Here it is, ladies and gentlemen. Why you should never do that. Are you kidding me? You did it before change your behavior.

Now we're right back where we were, except we have double the debt now. It's still f***ing moronic. Do you want to know something else? Honestly, no. Okay, cool. So it probably pissed you off even more. I got a personal loan before that was 10K2 and I paid it off and then a few months after, I think, or six months, another one. Why do you do the things that you do?

$287 minimum monthly payment and $82. When did you take this out? This balance is substantial. The interest rate is horrendous at 16 and the payment is horrible and it's stacking monumentally. When did I take it out? Last year, I think February. If I don't even trust you, whatever. $90 payment is due on the overdraft fee.

How one sitting at $2,9008.81. So ridiculous with an interest rate of 18%. 18% horrible overdraft. You've overdrafted up to $4,000, 3,000. $1,000. I would be embarrassed. I would be disgusted. I am in fact disgusted. Own it all. Pay off your home. Travel for life. Drive a Ferrari. In celebration of the world premiere of the Monopoly Big Board Buckslot machine by Aristocrat Gaming, Yamava Resort and Casino at San Manuel is giving one person a $1.6 million dream package. The biggest prize in Yamava's

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It could be worse. Barely. Barely. Just because it's worse doesn't mean it should be good. You think that's okay. It's not okay. Then why would you say it could be worse? What's the point of saying that?

What's the point of saying that? To make myself feel better. There it is. So you can sleep at night. Honestly, you should be working and paying off debt and stressing about it. So I shouldn't sleep. I'm not saying that. But you're just saying that it's a cope and then you're never making any progress because you tell yourself that and then you're okay.

You're not okay. And you shouldn't be okay. You shouldn't be telling yourself you're okay. You're not okay. You're a mess. Your disaster. You're a joke. And you should be taking every nuclear option necessary to pay off this debt.

Okay, what? Not eat or eat less or not eat out and not buy stuff. We've already been to the. Shut up. Shut up. I'm not talking. I'm not talking you. that. I've already answered that question.

Okay. I'm not wasting my time in vocal cords and breath and oxygen on that dumb... Stop. That's fine. Great. You have a Volkswagen Beetle. Yes. She's cute. You owe $7,463.26. Minimum monthly payment, 305. What is the interest? Do you know the interest? Would you know the interest? No, I don't. You actually not know?

I don't. You really don't know. Oh, we don't know the interest rate either. So I'm guessing it's not good because you don't have credit. What do you think the worth is? What do you think it's worth? The interest rate. The car.

Oh. Interest rates aren't worth something. How much it's worth now? Well, where I bought it. Yes, the car. How much do you think it's worth? Now I'm like $13,000. Yes, no.

$13,000. And I bought it for $17,000. You owe $7,463. and you think it's worth $13,000. It's worth $7,500. Technically it is worth what you owe. I don't know what the interest rate is. Probably more.

It's probably horrendous, and I don't need to know. But it's probably horrendous. Listen, this isn't the absolute worst, but for stacking up against all your other debt, it's stupid. And I bet the interest rate actually does make it absolutely horrible. Yeah. This is sad. I know.

I'm just, I'm very disappointed in this conversation. I'm very disappointing in this conversation. Why? Push through. And here we arrive to the student loans for the special degree. Yes. Okay. So, listen, the $8,8,8,813 dollars and 40 cents, it's not, I don't want to use

it's not the worst because that's what you guys use for your detriment. But that's, listen, $40,000 is the median. That's the average student loans that people graduate with, right? And for 40% of people who borrow for student loans drop out. At least you graduated. You finish it. Easy to agree. It helps.

But you did do it. And we do like to see that. And student loans is lower. And again, they're actually all below 4% interest rates. So I'm not freaking out about these. But what is your payment? My pay? I sorry, I...

Lady! I got scared. Look, what? You got scared? Yeah, because you're going to be like, another late payment? What's your payment on this? $87. And that sounds close to about, right?

Yeah. Yeah. Okay. I mean, I don't know. You didn't send me a statement of your account. You just sent me a screenshot of what... You sent me a screenshot of the website. So I can't see your payment history.

I can't see your payment history. I can't. See if you've had late payments. I'm being honest with you. So you were lying at the beginning? I thought you were. Were you actually lying at the beginning? I said you probably lied.

I was lying. But I didn't know I was lying until we came through it. That's so moronic. I forget. Late pen, they'll garnish your wages. I forgot. They'll garnish. Do you remember there was a pause?

Yes. Yes. And then the pause. Go. I forgot about it. It's not. So I had to pay. I think like $262 because of that.

Good. You deserve it. Yeah, and I did pay it. When was the last time you relate to your own knowledge? Um, last month. You entitled, spoiled brat. Come on. The way you live your life,

why you go, shut the fuck up. You go and you spend all this money on clothes and food and bullshit, bullshit, bullshit, bullshit. And then you don't make your $87 student loan payment because you refuse to put it on an automatic payment. Yes. What a brat. Ever come.

And your parents support this? They'll enable you by allowing you to stay there. No. They should kick you out. Well, they won't. They should kick you out. If they loved you, they'd kick you out. They won't.

Where am I going to go? That's on you to figure out. It's time to grow the fuck up. Listen, this is. No, no, no, no, no, no, shut up. You did not try. You don't know what trying is. Shut up.

My vocal cords had hurt. Shut up. Listen, you've never tried. You don't know what trying is. They should kick you out so you can figure it out. They're enabling you to stay there. Do I live in my little beetle? Sure, if you have to.

Because you'll figure it the fuck out. You don't make insignificant money. For LA, yes, it's on the lower end, but there are roommates. There are roommates. In fact, you have a significant other for two years. But that's the same thing, though. Why would I want roommates to fix? I'm so done with you.

No, no, no. I'm okay with you wanting to be with family. They're allowing you to put your life on hold and act like a little brat forever. They should kick you out for you so you can figure out or die trying. You're never going to make progress in life. And this is clear as no, no, you're not. Shut up. I hate talking to you.

You're so annoying. You're an actual annoying person. And it's not cute. It's fine. You're disgusting. That's fun. No, you're disgusting. You are disgusting.

No, I'm not. Yes, you legitimately are. Financially? The way you live your life is disgusting. No? Yes. No. You selling out money, liquor market, who would have done?

That's nice to my job. I don't give a shit about anything you have to say. I don't care anymore. I do not care about anything you have to say anymore. Okay. There's not a single thing you could say that I give a, about at this point. You leach off your parents, you leach off the system,

and you do nothing. The system? How do I leach off the system? Not paying your student loans. But I just told you I've made a big payment because of that. Made a big payment. Then miss our last month. Now I'm...

Shut the... Then PayPal out. Nordstrom. Yeah, let's go to Nordstrom, but not pay our student loans. Oh, guess what? This Nordstrom one, it's worth two of our student loan payments. Two and a half. DJ Max, State, Bro, Jersey.

Mike's cream coffee shop, beverages and more, scent bird yardhouse cream coffee shop. Villains? Yeah, you're the villain in my art today. Statebrorefair.com, Renaissance Fair, Amazon. PayPal, withdrawal, Zell, Chick-Frescas, Green Bliss Cafe, Zellin out money, who knows where, $200, Zellon on money, who knows where, $100,000, $108. Target, fuck you.

I barely go. Shut up. PayPal, Nacked Juice Bar, Amazon, your girl, state bro, school first. The other is that. Target, T.J. Max, basket, taco, paper rice, Starcone. But these are the people that want to beg for my saying life is hard, ladies and gentlemen. I'm giving up. This is going to make me turn into an... This show is going to make me turn into an old boomer, I swear, man. This is people like you. People like you are just such a leech on society. Venmo, ice cream, Venmo, La Chica's Fresca,

a series of your fucking degree. Zelenow Money, Starbucks, Amazon, Fresh, toys LLC, $51, Apple Cash $10, $7.26? Oh, that's for buying something, Cooper Tino, or something at least that was based there. No, Apple Cash, Coopertinos were Apple's based. I don't know. Crispy cream.

For a joke. What a fucking joke, man. It's all food. Shut up. I don't want to hear you. I just don't want to hear you. $292 in our retirement at 30. You are the person who blows all the money, goes into dead, gets enabled their entire life, refuses to sacrifice, put anything away for retirement.

And then it comes retirement time. And then you cry. You cry that there's no money for you. You cry that people aren't paying enough taxes. so that you can have more money when you have done nothing your entire life and you've been enabled and you've just been a spoiled brat and you did nothing to prepare you for your future so other people have to put their future building slower in order to give you more money. It's disgusting.

When you come and beg at retirement saying you don't have enough, give me, give me, please. Give me, give me. Yes, you will. I'm going to make it out all of this, all of this. I could do it with your budget. Shut the fuck up. I'm sorry. I am determined.

You think I'm lying, but I'm not. I'm being serious. I know everyone says that when they come here, but I'm being serious. I'll prove you wrong. Let's see if we can make you a budget. I'm going to attempt, ladies and gentlemen, for you, something can get something out of this episode. Certainly not me.

Pain and misery, sorry, I'm being negative. Total income was that $4,500. on a monthly basis? Yeah. Not counting that other bullshit, honestly. I'm setting money aside for taxes. We didn't even get to talk about that. And there's no point of it because you wouldn't anyway.

Yeah, you know you're not paying taxes on your contract income, right? What does that happen? Gentlemen, I'm scared. She brought her evil nature in here. My ancestors are here. Yeah. And they, you embarrass. No, you embarrass them and they're trying to punish.

I ain't alone. Your minimum fee payments. Nothing better. Except your student loans, except not because of your choices. Are $1,819.17. What a fucking, what? It's so horrible. That's 40% of your income. Because if you're spending, because if you're undisciplined, because you just want to spoil yourself and be boogey and all the stuff and get worthless degrees. Because of that, 40% of your income goes to debt. Yeah, you're right. You can move out now all because of your choices. So now you force yourself to live there and they should still kick you on, force you to go through bankruptcy so you can learn.

something. Your rent's $250. Your rents $250. Mm-hmm. Okay. That includes utilities, internet, all that stuff, right? How does the grocery situation work at the household? I buy out. Oh, lady, we are so close to the end. Please do not. Are my mom could quit two times? Please grow some intelligence. How do groceries work at the household? I buy groceries. My mom buys groceries. Okay, so you don't have to buy all the groceries? No. I'm going to give you $200 for fucking groceries. Well, thanks.

$100 for TP fund. Anything else you need to survive? I'm going to give you $20, $25 for subscriptions. You figure out where it goes. Pen insurance, good luck. Not with those things. Pep food? Pet food.

It's 80 bucks. It's a lot. My dog is like 85 pounds. Car insurance? Every three months, it's $4.50. Every three months. I'm surprised you can afford that bill when it happens. 150 a month. Gas?

Gas month, 40 a week maybe. 120? Yeah. Phone bill? Phone bill's 50. That's not horrible. Healthcare co-pays, anything? From Kaiser, it's like $8 a month.

Okay. And then how often do you going? No, that often. Okay. We'll do that. Anything else that needs to be in your budget? Jim? Yeah, Jim's 30. How much? 30 a month. Anything else that needs to be in your budget?

No. That's cast in food. That's Jim. Nope, nope, nope, nope. Nope. Dog food. Is it going through the mall again? What are doing?

Yes. You okay over there? Yeah, I'm just thinking. You're making noises. And I'm thinking, yeah. You're fine. Put in rent. that would be a little difficult, but you actually could with the roommates.

$2,832 and 17 cents or boyfriend, except we know he doesn't make money. I'm going to call him in the post show, by the way. I'm calling him in the post show. I don't give it. He doesn't work. He doesn't work. I'm going to call him in the post show. No.

His work is playing on his little guitar and pretend to be making money. That's his side stuff. $1,667. I'm going to minus your student loans. from the $46,220. and $4 at the current rate if you actually budget, which I honestly don't think you will

because you're stuck in the blanket. I don't know. I hope you do. I hope you do. It takes 22 months, so two years. That's not bad. That is worth it. It takes less than two years years.

Get a fully funded emergency fund. Let's call it two and a half year total. Pay off debt. Get a fully funded emergency fund. Move the fuck out. The best. Bash and brand can be a thing. I'm going to give her a hammer financial score.

Well, guys, remember this month only, Hammer Elite, the best YouTube membership on the platform is free. All you have to do, subscribe below. And then submit proof of purchase at hammer elite.com. We will reimburse you with a gift card that can be spent anywhere and in most countries.

Join us for the post show for this. Drawing Hammer Elite. Spending in a budget, your Hammer Financial score is you overspent, zero out of ten. This is pretty much the worst thing you can get besides collection. Actually, that overdraft, I'm considering that basically collections are zero out of ten. Never seen anything like that in my life. It's ridiculous. Mergency fun, absolutely nothing.

team zero out of ten. Retirement one out of ten. Real estate zero out of ten. Hammer Financial score rounded up just to be generous. Point five out of ten. We're going to call the boyfriend and talk about other juicy information in the post show. Join it for free. Join it for free. See you in the post show. Bye. You're coming on this show. You think you could go to

Vegas? As a family trip. What? Fuck your family. No. Listen, I've been listening for an hour and a fucking half. What have I taken away from this? You're really screwing yourself over for the future. It seems like this overdraft loan is crazy.

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