Financial Audit - She Came Here To Cancel Me | Financial Audit

Episode Date: July 30, 2025

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At USAA.com slash bundle Restrictions apply To watch episodes of financial audit a week earlier Check us out on YouTube You are a failure Dang, that's crazy What? You're fake

Instead of just saying, oh you're right Oh I'll look into it Like shut up Oh my God Why do you want to hear that you're right so bad? You can't say that. You're going to get canceled for that one. Why don't you take control of the conversation?

You're saying like, oh, fuck what did I want to do. Okay, listen. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. 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 of purchase at hammerleet.com. After that out, 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 Naomi. I'm 26 and I live in Tampa, Florida, and you're watching Financial Audit. Thanks for coming over from Florida. What do you do for a living there?

I'm an entrepreneur. So I do hair. You know, when I say what, when someone asks me what I do for a living, I don't say I'm an entrepreneur. I say, I make YouTube videos. I own a business that makes, you know, YouTube videos and educational services. Mm-hmm. Yeah. No one answers, I'm an entrepreneur unless they're unemployed.

Well, I mean... So you do hair? Yeah, I do hair. I do a lot of other arts and crafts and stuff like that, and I make money off of it. Like, I make rugs. You make rugs. Yeah, I do.

Yeah, I have, like, a tufting frame, as well as, like, the tufting gun and everything. So you're the one at the little pop-up markets that sell those things that look like they're made out of a spare bedroom. Not at pop-up markets, but I just kind of word of mouth. Actually, really? Yeah, yeah. Okay, okay. Yeah.

Well, that's pretty cool. Congratulations. It's exciting. And you're able to fully sustain yourself off of this? No, that's why I moved back in with my dad. Okay. At 26, yeah. I mean, I like the entrepreneurial mindset.

Is this a sustainable business? Is this something long-term? I was going to be more on board if we were maintaining our lifestyle and maybe, you know, making some good financial choices around this business. But if we're moving in with deady, just to live, I would suggest the business, the market is telling the business a bye, a buy-bye, a-bye business. Wow. So tell me what you make from this thing.

In total with everything, I would say about a thousand. Oh, good. What do you? I don't want to take a shot. sh-it all over you. But what the fuck are you doing? That's why I'm moving back in with my dad. So someone can take a shit all over you?

No, I mean, to fix everything because my dad is trying to help me out. Oh, fuck. Something tells me I'm going to have to talk to him at some point. Okay. Uh, well, I would suggest the fix to you figuring everything out is maybe a thousand hours a month

isn't enough to live on any of a real job. Working on it. You're working on getting a real job. Yeah, that's my job right now. Huh? My job is working on getting a real job right now, or not a real job, but like making my own business. I'm making a salon in my dad's house. No, no, no, no, no, no, no, no.

Is that like city approved, permit approved? Is that illegal operation? Well, that's what I have to look into. Oh, my. So I'm saying, I'm trying from the zero. Okay. What did I look into? Okay, listen, I, don't worry, I brought my life right here.

This is for you to fix. I have it written out. I have some things. I want you to look into. Why don't you take control of the conversation? All right. Let's see. Okay.

So I have... Home and Arrow is pointing to... Oh, yeah. It's a prototype for a shirt I'm working on. You're working on a shirt that says home on and arrow that points towards armpit. For my band. she has a band. Yes.

I have a life. You have a life. You're just not. Well, hopefully outside of that as well. Okay. I see. No, but obviously, if you're trying to figure it out, I have figured it out. Your business is not a business and this is a hobby and that's exciting and maybe you should go to cosmetology.

Did you go to cosmetology school? Yeah. I'm a licensed cosmetologist. Good. Work for a salon. Work for a real deal. I have. There you go. Already better. But I know. I don't like the atmosphere of it. Work at a different location. I want to have my own. I want to be my own boss. I'm sure you do. You can't afford it.

You're not doing well. You got to build up a list of clientele at a place at a place. Well, I'm working on it. Yeah. No, you're not because you're no longer at a salon. You're trying to build something out of your dad's place illegally. By the way. Well, I have to figure it out. Yeah. I have to figure it out. That's interesting. told you, I have figured it out. You do not make enough. The business is not a business. It is a hobby.

It is illegal to run this out of your dad's house. Most likely if you're actually building like a salon there to host clientele out of. Well, I just moved. And with your dad. Yeah, from Orlando to Tampa. And. Oh, great. So that's our clientele.

No, it's not because my kids tell started in Tampa. because I'm from Tampa. And so I have people there waiting for me. And then I moved to Orlando. So now, and people in Orlando said that they were willing to come to get their hair done. I also, I'm going to get a portable seat. You make a thousand hours a month. They're not willing to drive.

Well, yes, they are. Thousand hours a month. You have like three clients. I highly doubt. If you're only making $1,000, you are not valued enough for them to drive three hours. I don't charge a lot. That's the thing.

That's the issue I have. Yeah. No, that's what I figure out. Why live? Why have a thriving business? I'm Give it Whatever this is

I don't even know This was me thinking of it And then I got overwhelmed Because I'm like I keep Everything And that was just my thought process Quiet Oh my God

Price sheet Haircuts Clipper cut 30 Short cut 35 Medium Chin To mid Back

45 Long chin Okay So this is your price Hair wash and drink Mm Okay. Yeah, that was me kind of thinking out loud.

I just need help with making a price sheet at least. Every place offers a drink with the haircut these days. Yeah. It's not very unique. I know. What are you offering? Terror reading? Yes, I can offer you one or no.

Shut the fuck up. Did you bring exploding kids? I literally, okay, this one I want to say for the ends, because I know you're going to get some valuable advice off of this one. Okay, okay. Stop talking. Coffee, tea, wine, beer, therapy. She's offering therapy.

It's hair. So basically when you're a stylist, you are a therapist, basically. Because everybody comes to you talking about their problems. S scalp massage? Mm-hmm. Yeah. In cosmetology school, they call it sex in the sinky. Well, don't.

I like scalp massages. I will say. Fly to Tampa. Services, hair, style, hair, cut, makeup. up. Do you have a question for my cards? No, we're not doing that. Things people say

they can fall asleep. What does Caleb need to hear right now? These people say they can fall asleep because of my touch. Get more from me than therapy sessions. You make a thousand hours a month. Obviously, no one's coming to you for therapy. Changes their lives from my haircuts and coloring. I

give them exactly what they ask for. Careful. In this industry. As in haircuts, like you know, they want a certain haircut, they want a certain style. I provide exactly that. I don't do whatever, you know, I don't fuck them up, basically. Okay. Hey, Naomi. Why are you here? So I purposely hit rock bottom because of a YouTuber. Certainly wasn't me. Okay. Who? Well, that's why I'm here now to fix that. Who? Who? I don't remember her name. It was a long time ago when this happened,

when my death started. What are you talking about that? I don't know, some random millionaire online. She said sometimes you have to hit rock bottom and get everything that you want, all that stuff so that you could see that you don't need these things once you, like, have them and then work your way up so you can get like the craving out. Hold on. Some people have to hit rock bottom. Yeah.

So like actually learn their lessons and build up. You lost me at the, but buy everything you want. That's what she said. And purposely hit rock bottom. No, no, no, some people have to hit rock bottom. Those in horrible positions. Who the fuck is encouraging people to go hit rock bottom? That's not something we want to see, be done.

Well, she said sometimes you have to. Yes, and that is different. But you said you intentionally hit rock bottom. I did intentionally do it because I saw that I wasn't going to stop. What is hitting rock bottom? You're at rock bottom. Moving back in with my dad. You're a dumb guy trying to do all this stuff and trying to.

Well, my card says to stop being so disappointed. This is a good thing. It's five a cup's reverse. Nope. Nope. You're putting your bad energy in my car. It's up to cleanse them. Oh, no.

We're not doing that. I do not want your performance. This is me now. Disappointed. Your father should be disappointed in you instead of enabling you. I don't know why he's allowing you to move in and continue this instead of pushing you to do something. You did cosmetology school. Did you go to school at all?

Any other thing? No. No, I haven't. Why the f-do you think you're qualified to give someone therapy? Well, the thing is, it's more so kind of like, that's why I was going with the name. Because it's kind of like, oh, I'm like your sister. Like, we could talk about stuff, like advice and whatever. Like, talk about life.

Like a therapist. Please don't tell me you have clients for that. Not like that. Oh, thank goodness. Thank goodness. Because you would fuck people up. How? Come on.

You're not licensed. Yeah. And you might have a pleasant conversation, but you. would probably get wrong. That's what you're going to get your hair done for. No, but people are going to take advice from you. Yeah. That's not good.

But like about the thing is, you know what we talk about? Dude, I see your life in front of me. Your life is, you are not someone. You are not someone to be trusted. You don't know me. You are moving in with dad with failed businesses. You have nothing. You do terrible.

You have nothing. You are a failure. Oh, yeah. That stuff is more like my manifestations and stuff. And like, you can't say that. You're going to get canceled for that one. That's weird. That's what the last guy said.

I say it every episode. No, you don't. I've watched your episodes. You hadn't said that. They're bleeped. We believe every word. Oh. Dang, that's crazy.

What? You're fake. You can get canceled for saying that. Dude, that word is back. you may have missed it. Oh, we're bringing it back. Dude, that word is back. And also, I don't have a weird audience filled with pearl clutches who get offended by weird things.

Oh, my gosh. Yeah, no, all that stuff is not like business. Ombulation phase. I need to know I'm a woman about my phases. You should learn, too, when you get a girl. I have a girl. Do you know about her ovulation phases? It would be helpful.

What phase is she in now? Period. That is not one of the phases. she has her period she has her period she's in her week of skipping birth control to you know make it work

but you don't know how to treat her well like on her phases women go through different phases and cycles you need to know how to like handle her with care yeah but yeah it's like a bunch of manifestation stuff you don't know our relationship

you don't know what we do what is this stuff oh you don't know my life either. This is just a lot of... A lot of blank pages. I see your life is actually quite empty. Yeah, and I'm... This life was a lot, a lot of... You thought her life was going to be a lot, but it's basically nothing.

I'm trying to get... I'm trying to make one. I'm trying to make a better one. She's writing meow on paper. I don't know what the fuck she's doing. You're one of the people that endlessly... I used to have an employee like you who endlessly thinks about things and overthink things and consumes a bunch of and endless self-help and writes everything down and all this stuff, but execute nothing. Works on working, but never actually does anything. Yeah, and that's why I'm here. I want you to help me put some action into stuff.

Oh, great. Okay, solution number one. This doesn't matter. It doesn't matter. What is this? Throw this down. This is the thing I already looked at. Okay.

None of this matters. Terrible. Stop. Rebel deck. I don't give a... I am going to pull for you. I don't care about this. Is this you making notes?

No, this is a book of stupid. I don't care. Lip balm, you can keep it. The rest is nothing. This is just so... I just... Listen, you are the person. I see you guys get stuck endlessly.

You work on working, but you never actually push to achieve something. You always work on trying to work. But you never accomplish anything. And it is not working and look. I mean, you're bringing in $1,000 a month. You had to move back in with daddy at 26. And I'm not saying it's bad to live with parents or anything like that.

You know, a lot of other cultures do. But the fact is, you obviously did because your business is failing and you don't have enough money to sustain yourself your life, which means you are failing. Your business has failed. You need a career. And you can do this as a hobby. And if you build a client list big enough to actually sustain, then you can try it. You're not a therapist.

I know I'm not a therapist. But I'm a hair therapist. You're not any of this stuff. You're a hair person. It's not even a real scalp massage from the from what I've heard. You need to try my scout massage. You said you need the water bin thing. Okay, well, a scout massage itself is like you have wash hair in the sink and whatever when the condition you're sitting. No, I just want somebody to go over here and scratch my hair. I've done that. I've done that for my friend's husband. Brandon. Ambition comes in all shapes and sizes. At first citizens' best. We roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank.

Come scratch me. Is that what he gets paid for? Yes. Can I get his job? No. Damn. Well, I just quit Trader Joe's. I was making more money.

Would you just quit a job? When did you quit? Like two weeks ago. Two weeks? Two weeks? You quit. Who do you think you are to not make money and move in with dad to try to build this bullshit that's likely illegal out of his house? Oh my God.

So the thing is, is because my morals, it went against everything. Hold the fuck on. What? Yeah. Because they're insane over there. Okay. So many people, so many managers weren't reporting true misconduct. Okay.

So we weren't safe. Did you report it to a safety or? organization. I tried to. Third party. A local government. I tried to report it to corporate and everything like that. And a bunch of us because there's over 120 of us. And we've said stuff and nothing. All they do is switch managers to their location.

What was the international that you witnessed? So there is somebody wanking in the back of the bushes during their lunch break. Guys can't have fun anymore? As well as there was. Employee. Yes. That employee was not fired. And it was found from a manager, two managers saw a store manager and

that employee was not fired. No, they moved to the other store. And then people. Yeah, that's bad. Yeah. As well as my co-worker, she got smacked on the butt with a knee pad while she was over on a ladder. By who? By another employee.

That employee was not disciplined. No. They let him go. Like, the thing is they had to build a whole case. And then the case still, they still gave him the option to just leave. Well, for fair enough, it is important to do an investigation into it instead of just taking anyone's word on anything. So it is, it is important that they would ask around, make sure that this has been, you know, corroborated by others.

And it is very difficult because someone's life is deeply impacted. Someone's life that if that happened to that person, the person who got smacked, their life is impacted. If that didn't happen and there was some weird drama and they reported that, which unfortunately, you know, in the era, we are seeing more and more false things and it is kind of sad to see. And it makes it harder to just trust people who say things. And with that, like that's someone's life who could just get fired.

So a proper investigation is fair. Yeah, that's not a bad thing to do. Yeah, but when over 20 people are reporting it constantly and nothing is being done, I'm very uncomfortable. That is different. As well as they hate mothers, at that location. What you mean they hate mothers? The store manager. Are you a mother?

I'm not a mother, but I work with mothers. Okay. I don't want to be so. But yeah, basically the store manager in regards to maternity leave, he was saying that, oh, there's actually mothers in like other countries that hold babies on their backs working in the Yeah, this is weird. I'm like, why would you say that? Does the, you know,

devil's advocate might be out of context in the conversation. I say a lot of weird things. And when people take that shit and they just like, Caleb said this is like, hold on, okay. No, there's like a whole thing with that manager. That's, yeah. Okay, yeah. It sounds like a bad manager.

If we're being honest, sounds like a bad manager. But, I mean, I heard you tried to unionize everyone. Allegedly. What? You're saying you did not try to unionize other employees. When you told their producers, you tried to unionize other employees. No, I said allegedly, I didn't say it didn't happen. I'm just saying that we've had the discussions.

We've had the discussions about it. I was like literally, if we just all come together and we don't clock in, like night shift, whatever. So they fire you and get other people who are, will show up to work? Because you weren't in like a high, skilled. You'd be shocked. I feel like it would work because it's worked at other places. This isn't an employer's market. This isn't the 2021 employees market anymore.

People are looking for jobs more and more. I don't know. They're so weird about hiring and stuff that location. It's just a weird location. Yeah, but it's a business. They would much rather get rid of you guys trying to cause trouble and bring in other people. All 60 of us at the night shift. Yeah.

Well, if you guys were shutting the business down, they'd be shut down regardless. so it may as well be shut down and get other people in. I assume is what the business would do. I mean, many places would much rather close their business than... I mean, I don't know. I was just saying if we need to take a stand at some point and we try to rapport all these things, like, you know, there's some way to do it peacefully and talk about it.

So you quit your job, and honestly not for invalid reasons. So it's in the unionizing, you know, you're probably just causing trouble at the business and annoyance for sure. But like that manager definitely sounds like a piece of work. if I'm believing in everything 100% that you say. And, you know, just for the grace of the conversation, sure I will. I understand that. Get another job.

Would then be the next logical thing? So I have, my dad said that he was going to give me two months to just figure out my. Oh, wait. Hold on. Pause. Apparently you had a lot of moral issues with basically every other job you had, which makes it a lot harder for me to then believe you and take you seriously. Okay.

Well, do you want to go? go through it and we could talk about it. Whether or not I believe you will definitely be a thing because you now, if it's like every single other job you have moral issues with, it's like, okay, then I got to start taking things with the grand assaults, then I stop believing things because you're someone that goes in

and tries to claim a lot of things, over exaggerate things, cause trouble. But we'll see, go ahead. Let's be real. If your private student loans have your eye on a third job at the local taco stand. Maybe it's time for a better plan. Why

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So before then, I worked out a farm and... Well, that's probably. And so the thing is they weren't a medical dispensary. They were licensed in a different way through a different department. And so everything would have been fine if they were being honest with what they were doing. So the thing is it's like they were advertising as though they were growing it at their own farm, but they weren't. They were outsourcing it. And the thing is, I don't know where they're outsourcing it from or whatever.

I just know that me and all these other people were the face of the company. Again, this is another thing you could have reported to some government. organization of Florida or local. We did. We did report. There you go. Okay, next one. So, and then before that, it was a medical dispensary. Well, come on. You keep working in drugs. Well, no, it was just those two. It was those two. But yeah, the medical dispensary. Everything was good, actually, until the store manager left. And then all these other managers beneath him were sexist, racist, homophobic, all that stuff. According to who, doing what? Because, no offense, usually people like you tend to just get offended. I guess so, well, whatever.

Basically, yeah, well, you're not going to believe me all those comments, whatever. So I'll move on. It's not that I don't believe you, but when someone has a, like, every single job forever is always bad that we've had. It's just like, well, that starts to be like a pattern. Is it the job or is it you? And, I mean, I believe you about the thing. I mean, it's just like in the dispensary, what you're saying, oh, they're racist. Like, okay, what does that even mean?

I mean, I see people, I see people getting canceled on love. island right now for being racist. Like it's, but they're just some dumb, stupid thing that someone slightly said a year gone on Instagram story. And it's just, everyone's just a bunch of ass, man. I'm kind of done with it. Well, whatever. Basically,

I'll just go to the job before that or whatever, because that was a while ago. I can't even remember the whole situation, how it went down or whatever, as of right now. But yeah, before that, I was a survey, for like a week and a half

because I didn't have like serving like I never served before or whatever and so I didn't know how the tipping worked and so basically the front of house manager he stepped in because the other server wasn't there and it was a super like busy day whatever and then at the end of the day he tried to take half my tips and so then I let him have it whatever

and then I come home this was the same job that my boyfriend was working at the time And so I told him, I was like, oh, yeah, like, it was a shitty day, whatever. They took half my tips. It wasn't even worth it. He's like, the front house manager, I don't think he could do that. That sounds like illegal or whatever. I was like, I don't know.

He just said that's how it was. He does payroll. What is the point of this? Are you saying you can't get another job because you've just had bad experiences with jobs? What are you saying? I mean, every time I've tried, like I've tried small business, I've tried corporate, all that stuff. It's just always been some sort of like issue like that. Well, someone like you finds issues everywhere.

And some of these, some of these... Well, they all ask for me back every time. Well, some of these sound like if they're 100% true and if we're taking you 100% honest, which again, for the grace of the conversation, I will. Yeah, some of them are certainly wrong. Some of you may be over exaggerating. And I'm not exactly sure.

But you can't use that as an excuse as first of all to being in the industry. And it's like, it's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill three-burner gas grill, or get $50 off the select Weber Spirit Grill,

and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together. Shop spring backyard days for seven days at the Home Depot. Now through May 6th, Exclusion supplies to homedipo.com slash price match for details. So you're saying you can never have a job again? I'm not saying that, but I'm just saying... Well, you're not working right now when you moved in with your dad. Yeah, I know.

I can tell you about that. If you're escaping a dangerous situation, that's where I'll have empathy. But you weren't? Yeah, well, okay, this is the thing too. Also at the hair salon, like you said, you told me to work at one or whatever. I did at the time, like, in Orlando for a bit.

And I was a personal assistant. But there, they were just making me really uncomfortable with like, like, literally, like, if I'm by myself in the back, then the owner being like, oh, hey, sexy, like seeing me or whatever. And then, like, talking about how he wants to, like, motorboat his, a car. his guest, the client in his shampoo bowl, literally, like, stuff like that. Yeah.

It was an ongoing thing. And that sucks, but does that mean you never get a job again? No, I mean, look at all these jobs I've gotten, though. Like, that's the thing. I know, but you're not working now. And you moved back in with that and you're trying to build an illegal business. Oh, I'm not trying to make it an illegal business. I'm trying to figure out how to even go about it properly and stuff.

That's why I'm here. I know. I've never done this. That's why I'm literally here trying to, like, learn or whatever, like, to see, like, what you recommend. And this is a thing, because I was going to have the two months to just, like, sort my stuff out, figure it out. And then after that, that's when I'll go find, like, you know, a job on the side, whatever, like a real job and whatever. And then use that to help myself, like, fund everything, like, pay off my stuff.

Why aren't you paying off your stuff when you had a job, then? I did, but this is the thing. All my debt just kept piling up and up. Well, that wouldn't be piling up and up if you're paying off your stuff. So that's incorrect. That's it. I kept buying stuff. That's the issue. That's how pain off debt. I know, but I'm just saying that I had jobs or whatever. And then I was only keeping it with the minimums. And then that's the thing.

Then that's all I could have. And you think house and pointed armpit is what is making us a lot of money and getting on me debt. Could be. No, it won't be. I don't know. I do. My cards say different. Your what?

My cards say different. Cards? My tarot. Okay. I mean, you're making $1,000 a month. Those are real cards. Dollar bills? it was a real.

You're making a thousand. That's not enough to live. Certainly not in Florida. Yeah, definitely not in Florida. So what the fuck are you talking about? Really? So someone like you, listen, I'm not against,

do it for fun, the taros, whatever, all that stuff. But if you're actually living your entire life based on what that said and hoping out forever that this is going to work, you're never going to do anything. Yeah.

I'm never going to do anything. That's why I'm trying to put myself in the situation that, like, I have to be, the situation where I have to put action into it. But you don't because you've moved in with dad now. I moved in with him so that I can put action into it because I was just working and stress the whole time. He's going to enable you fucking around. No.

No, no, no, no, no. No, he won't. Because that's the thing I'm done. Like, that's the thing I'm done like playing games or whatever. I know that I've like, you know, bought all these things, spent all this money or whatever, on my credit cards and stuff. But. Yeah, total income, basically nothing. Spend 5,024.

So, done fucking around. you. Oh my God. No, look, that's your actions. What do you mean? Come on. So. Don't f-fuck with me. That's exactly what's going on. Okay. Well, shut up. You're going to have to eat 500 hours a month.

My dad's investing in me. My boyfriend's trying to invest in me so I could like work on my stuff. He's enabling to, you're allowing to point out of this guy with his boyfriend. Is he here so we can bring him in and tell her to fuck up? No, he's working with my dad. Oh, for f-hmm. What is your dad doing? Construction. Oh. And they both just enable you this delusion.

No, they're trying to help me. They're not. They believe in you. They're trying to help you, but they are enabling you. I'm not saying they have bad intentions. No, but I've been, this is the thing, I've been working and stuff. I haven't been trying to ask them for any help or whatever. This is the time now.

You've just been doing. Because I didn't know what to do. I didn't want to just jump into a career that I don't know. What would? Hey, maybe work at a different salon with it, not a, not a creep in the back. I'll try it out. That's the thing. try it out. I'm in Tampa now, like, so I can have a fresh start.

I guarantee you if every single salon had a freaking creep that was managing it. Mm-hmm. No one would be working at salons. You'll be surprised. If every salon, you had a bad experience that I empathized with, doesn't mean you, every salon is bad. Work at a salon where you get paid. Money! I'm trying, but my own.

I can't try to, like, figure that out. Get my own, like, little booth or something. Like, you know what I mean? So how long has his boyfriend been in the picture? Since the end of 2017. Are you guys considering getting married? That's been a long time. Yeah.

So we're not really into marriage. Like, I see marriage more as like a business, I guess. Because- What are we in the- What do you mean? What is your guys' intentions long-term? Oh, to, like, stay together long-term. But I don't, I've never been somebody to,

fantasize about marriage or anything like that. Fantacizing, but it is kind of a lifelong commitment and societal. I mean, we're already committed, you know what I mean? Yeah, but you're not getting tax benefits. That's the thing. So I feel I have all this debt and all that. So I don't know if that'd even be smart to like combine to like right now. That's the thing.

I feel like that depends on the leg out. Well, you don't really have any assets. So there's nothing for him to worry about. If he had assets, he might have to settle some of the debts in order to receive some of the assets. You know, there's different things, complications around debt. but also life insurance, you know, like, this is certainly easier to do the things for your loved ones if you guys are more official and everything.

Yeah, because that's the thing. Did he move into the house too? Yeah, we moved in together. What are your dad doing? Trying to help. My dad, okay, this is like, my dad was trying to tell us about a year and a half ago to do that. He's like, I think you guys need a fresh start

and just, you know, move here and we figure it out, work as a team and like just figure your guys. You guys are destroying your financial future, spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal $1,100 monthly car payment. Yeah, it's getting a little tight. $264.000. I didn't know we had that many.

You guys have to take control of your finances. How? Just download the Dollar Wise budgeting app. It shows all of your expenses in one place and helps you monitor your finance. so you're not blowing hundreds of dollars a year on things you don't need. Download the dollar-wise budgeting app today and take advantage of your free trial. Do you want to figure your shit? I'll go to Calebhammer.com slash applying.

You can come on this show, by the way. But this doesn't make any sense. And that would be much more helpful than moving in with Daddy, who's just enabling your bad behavior. Oh, then who should I move in with you? Okay. What the f***? Shut up.

Oh, my God. Because you say, you know, have all these answers. You don't want to give them to me. Might as well just help me out. I don't want to give them to you. I don't know because you keep this yelling at me. I barely even yelled this episode if I'm being honest. Are you going to be yelling at me?

Not that much compared to normal. I'm very tired today. You? Lucky me. Yeah, lucky you. Listen, the reality is, I mean, you're spending an insane amount of money when you're bringing nothing and moving to a dad. You don't have a business.

You do not have a business. It is very much a hobby. It would be considered a successful hobby if it's $1,000 a month. I'll be honest, but it is very much not even close to it. a business. It's a beyond failed business. Well, what can I do? Get a job. Well, okay, after that. After that, let's say I get the job, whatever. Okay, cool.

Now what? What's next? Well, how much do you make working in a salon? How much would I make working in a salon? I mean, that would depend on the area in the salon and stuff like that, but... You know where you live. So, come on. Yeah. I would say if you're working in a good location,

I've seen... 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 oceanfront 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. I don't know.

It's a lot. That's the thing. You can't even think. I can't, I can look it up on my phone to see the median. No, no, no. I can do that. Because it's a huge difference between different like salons and everything like that. Because I've been looking at my...

You worked to Chase for two and a half years. Yeah. Was someone a . There? No. No. Chase, actually, that was literally just the area that I worked in or whatever. It just, I was getting bullied every day and stuff like that.

But listen, listen, listen. She's never. She's never not been a victim in something. Like, I have a hard time with people like you. No, no. I said, okay. So I worked there for two years and a half. Who would hire you listening to this?

You're always going to find a problem. And some work correct. I'm not saying. Bro, it's like this is the crazy thing. You're going to think this is crazy. So many of these jobs have asked for me back. For real. Yeah, it's easier to get someone low, you know, low paid.

Just keep them there. Yeah, I get it. You're probably low paid. You just said that it would be hard for me to get hired or whatever. Yeah, with people hearing this. Who would want that there? No offense. You haven't had one job without you finding something.

But that's the issue. That's why I'm like, okay, I feel like then I just need to be like my own business. And you will find, you will report yourself for being a or something. Like that is what is going to happen. You're going to find something. You're going to harass yourself when you make me. I don't know. Like it's going to.

You know, I don't. I just let me, just help me. Just help me live in dreams. I am. No, because I don't, unlike other people, I don't just pat you on the back with what you want to do and say it's all going to be okay. I am trying to. And what I am telling you is you just need to go get a fucking job.

Well, I said I'll get one. Just let me set my stuff up real quick. Median salary for a householder. I saw about 37,247, according to ZipRecruiter in your area. That's going to be hard to live in your area. area for that. The top earners is 51,000. Not great, I'll be honest, for that area.

This is an expensive area. Okay. So then should I like, what do you, like, what would you recommend then? I have to get a real job, maybe. What's like a real job? I'm not saying that's not. I know that's insulting. But something with a higher career trajectory.

What is that, like examples? I don't know what you're interested in. Well, I'm interested in art. I'm creative. Like, look at me. You literally are judging me for my appearance. You say you know exactly who I am. So tell me.

Art, if that's what art is that we're trying to make money off of. I'll show you my real art. This is a prototype. Artsy Fartzy's fun. I'm a bit artsy fartsy. I know you went to school for music, no? All right, parasycial freak. Listen.

And you have tinnitus. You'll probably hear right now the Pee. Yes, I do. It's very annoying. It's actually nothing. My boyfriend has a too. Okay. All right.

So what happens when every single guest is a fan of the show, ladies and gentlemen. Listen, yes, we're both artsy-fartsy. I do accept it and I had to make money. Then why did you kill that dream? Do you still do music or what? I didn't kill the dream. I don't have as much time to do music. Why?

I said I don't have as much time to do music. Why? Yeah. Like just because like your- Relationship, business. Other things that I want to do doesn't mean, just because I like music doesn't mean that there's not other things I want to do. Well, yeah, but I know that you also try to like have all the,

these other like franchise ideas and investment ideas and whatever. Well, I test the water with, that instead of music. I test the water different things. Our membership is practically the largest on YouTube. By the time this comes out, it might be. Like, that's something to take, that's history. That's YouTube history.

I never thought I could be someone that makes YouTube history. That's not an ego stroke, but that's something that's like, wow, that's cool. So I'm very passionate about that. Again, girlfriend, I mean, that takes time. Dogs, that takes a little bit of time. There's just not as much time left in a day. Running the business, there's responsibilities to come with that. Sometimes we have to grow up.

That doesn't mean we kill a passion. That doesn't mean that. You can still do art and have a fulfilling career somewhere if there are things you want. I loved sales. And I was damn good at it. I was the top earner on the sales team. And I moved from music composition of which I made more money than my professors when it comes to them making money off their own music.

I made more money off of my music than them. And I was able to live flat, you know, just barely making it with it. Because you don't really make a lot of music. of the top 1% is very rare. But even still, from there... Boring! But there has to be something else in the world that the economy is finding value in,

that you are able to provide value and get paychecks in return, preferably something that has a bit more of a maybe not hockey stick, but, you know, a curve upward career and pay trajectory if you want to stay in an expensive area. So I don't know what it is

because I don't know you like that. That's what this first part of the conversation is. It's the get to know you in your mindset on money. And so far, it's, but, you know, getting to know you and, uh, I don't know. I obviously can give to you a course career certification. If there's something there, then it's just you. A lot of our audience uses them and they, you know, get good careers off of it. But, uh, you know, that's what to you, but you need to find something and just sitting on this and being like, hope and dreams, hope and dreams. My cards told me it'll happen. You'll never get anywhere. You won't. I know people like you

because I went in the artsy-fartsy field. Okay? So I knew composers from all across the country and it's a pretty relatively tight-knit community. Here's the fact. The vast majority of them, very artsy-fartsy, they did not have a business mind. I went into it with a business mind and I was able to make money unlike most of them.

You are going to this artsy-fartsy and you are working to work on your stuff. You don't have a plan. You don't have actions. You don't have a reality in this field. Everyone like you that is in this self-help world that is in the artsy farts, all that stuff, you just work to work,

but you don't have an actual end result. And it doesn't work. And that's the thing. And no, I'm not going to help you on that. No, I'm not going to help you on that. I want to get you on a good financial path. And you just moved in with dad. So we're going backwards. That's my rock bottom, though. Only way is up now. The intention is for your boyfriend. friend to be the main breadwinner in your relationship, but you seem so, you seem so anti-traditional. I am. And that's so traditional.

So, yeah, that's it. So me and him kind of almost take turns of kind of like leaving the job or whatever. So who's fucking up. And so you guys stay level forever because neither of you ever get ahead in your career. And now, now he works for your dad. So the success of your dad is only what is making your boyfriend successful, him going out on his own. Uh-uh.

You guys are failures. way is up now. That's not true, but you guys are failures. And I'm going to call it as I see it because I don't want you to think you're successful when you're not because then it just allows you to stay in that cycle forever. I got something to look forward to success tomorrow. No, actually, no. There is nothing to look forward to because you have to achieve that. People think just because they think it all of a sudden it's going to happen.

Most people sit on their dreams forever and never achieve them. Well, I'm trying to take action now. But you're not doing anything. What are you doing? Tell me what you're doing. Okay, well, right now, I'm trying to take the time now so I can research everything. I'm going to New York soon. Oh, this is what everyone says that's in that trajectory.

Because I know so many people like you, this was my life. That was my life. I'm researching. It's a permanent forever research. I'm going to this conference here. I'm going to this here. I'm going to this thing. And you're going to New York.

You're doing it. It's just, this never works out. I've not seen one person do what you're trying to do in the way you're trying to do and it's come out successful. not one that I can think of. And what's the successful way to do it? If it's the salon, you need to go into a salon. You need to work for them and need to build an endless list of clientele

and work your butt off for not enough money and then take them with you. That is a path that I would look at. If salon is our big thing, art, that's just putting yourself out there and trying to get into as many galleries as you can. And in terms of the physical art world, I don't know that as much. But I know just traveling and researching, that's not what's going to do it. What are you doing in New York? So I have my friend She's a model and she's been

No, this is a thing She is a model at one of the schools there I probably should say it And yeah Basically she gets me free like classes in there So I could oil paint and stuff and see Yeah but you have to pay it goes I create connections

Oh yes It's the endless connections guys That's another excuse that everyone uses Guys I'm getting connections I am I'm sorry. What do you think your score is zero to ten? It's so stupid.

Zero. Well, first realistic thing she said all day. Guys, get your financial score. Take the assessment. It is free at Calebhammer.com. Link in the description below. And if you don't want to be like a guest on the show, make sure you download our dollar-wise budgeting app.

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intro took so long. I need to jump in this. Just what, but I've got to learn these creatures sometimes. And oh my gosh, There's a lot to learn with this one. What's wrong? Your laugh is scary. Bro. Freedom card. What's going on here? Freedom.

Uh-huh. I had too much freedom with that card. Uh-huh. What's going on with this card? Well, that's where I'll start it. Okay, I will say I was very responsible when I first got it and then I- Oh, my, my, it's over maxed out. Oh, yeah.

Oh, fuck. Oh. So, after I left Chase, I... How long ago was that? Oh, that was probably like 20, 22. Okay, go on. Yeah, something like that. But basically, I took eight months off of work within that.

That's when I took... Why? Because literally, just the amount of stress that I felt from that job... From Chase, you're never going to survive in this world. You're never going to survive in this world. Nope, you're done. You're never going to survive in this world. going to survive in this world. You're never going

to survive. You would have no idea what's happening in my life. I've worked many of jobs, many jobs, many good jobs. It's not even just jobs. It's life. It's it's, yeah, it's, I'll get into the life stuff later. We'll, we'll get into it later. I hope not. You come on, come on. That doesn't mean you take work

off for eight fucking months. I wasn't, that wasn't the intention but also, no, and this is the thing I was, that was the workers economy, by the way. No, and the thing is too, I was trying to work on the rugs. That's when I started doing rugs. But it's, I'm alive.

You've always been a failure. Oh, my God. Oh, my God. No, you've tried everything. Oh, my God. Hey, but it's fine. Like, I'm here. I'm trying to fix it now.

You're over maxed out credit cards. Yeah, it is not fine. Eight months off. How did you afford to live for eight months? Was it just credit cards? I had a savings at that point. Yeah. Yeah, yeah, yeah.

So this is the thing. I was very responsible when I was younger. with money and stuff until after Chase. So I always had like 4 to 6,000 in my savings. I paid off my card immediately. Wait, what was your savings? What do you mean? No, they're telling me it was your 401.

K. I did withdraw that. I know, I know. And I regret it. I will say I regret that. I know. I know. The time.

The time was on your side so much. I know. That money compounding for the decades of your life would have been incredible. I think the 401k might have had 4,000 in it at the time. That would have turned into tens of thousands by the time you're retired. I know. I know. Also, you could take time off because you will bowlweed.

Because I, that's the thing. I believe, I was like 22. I was like, oh, like, I got this. I have my dreams and blah, blah, blah. And yeah. Yeah, I know. Something's not lining up, though, because, listen, this was a long time ago now. And when I asked you what's going on with this card,

you told me that this doesn't make sense. You wouldn't be over maxed out right now. Oh, no, yeah. From 2021. So what the fuck are you talking about? Why are you over maxed out? Balance. Balance.

Balance. $8,437. $83. Minimum monthly payment. $222. Which I'm a thousand hours a month. A little difficult. Angel numbers.

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What's happening? What are you doing over there? Yes, I'm having a that. You won't catch me saying that. Not on camera, no. That's where everyone fails. Everyone's naughty behind the same. I'm just brave enough to be Gooney on camera.

So what? What? Hmm. I don't understand why you're overmax out. You're purchasing. Why are you purchasing? Why the f-possibly? If you're going to get pushed to over max out,

are you purchasing on a card? You f-how long does this take to pay off if you make minimum monthly payments only without any purchases? The thing is, Is that... Hey, answer my question. Try to answer it. No, it's a number.

It's a number. What number? See? She's trying to answer a question she didn't even listen to. Shut the fuck up. Oh my God. You didn't ask it right. I'll ask it again.

Thank you. The same exact way because it was correct. Okay. How long does this take the payoff if you make minimum monthly payments without any purchases? Oh, oh. That's exactly what I asked, by the way. That's like going to be what? Is it 20 year?

No, over 20. Yeah, basically 19. Yeah. Yeah. you'll be almost a 50 year old failure. Still living with Daddy. I just moved in. What do you mean still?

It's been, it's like what day seven? Over maxed our credit cards, 20 years to pay it off. No, it won't take me that long. Yes, it will.

You were purchasing it out. I'm going to figure it out. I'm going to figure it out. This is what people say. You think I'm going to stop pushing back on you because you're going to say I'm going to figure it out? Listen, this is what you are doing right now. Like, why am I believing that?

That is such a lie. If you would figure it, it out, you would have figured it out. What you are doing right now? Shut the fuck up. What you are doing right now? What you are doing right now is purchasing $84.93 while $138.27 of interest is accruing. I'll figure it out you. This is what you're doing right now. What are you purchasing on here? Lady, what are you purchasing? I've been buying, it's probably a lot of Trader Joe's stuff like food or whatever. I don't know if I use that card to buy my New York client. Where are we going to Trader Joe's? This is where the Bushwhackers work.

Well, yeah, that's because I was working there at the time. Remember, I quit like two weeks ago. So, yeah, that's like where I was getting a grocery. That's where you quit from two weeks ago. Like around two or three. So you want to see the dogs slipping through the bush? No. I'm, like I said, I'm figuring it out.

Well, I have a solution to figuring that one out. Don't go there. No, just go to literally any other grocery store. You live in a major city. Oh, no, no, yeah, yeah, yeah. Okay, I'm glad we figured that one out. That was in my other, that was the Trader Joe's in the other city. I don't know. Sounds like the heads be peeking through them leaves.

I don't want to see that. I'm just, I don't want to see no heads to leave. I'm going to be on the lookout next time I go to Trader Joe's. Why do you want to see that? Compare sizes. Hey, yo, what the fuck? And no, it's getting bullshit. It's JetBlue and it's Pizza Hut.

So, fuck off. $805 of interest has accrued this year so far. It's only at a 20% interest rate, which is great for a credit card if we're being honest. So you are getting destroyed almost $1,000 this year alone on what's considered a relatively halfway decent credit card. Yeah. Interest rate.

So you are fucking that up. Well, yeah, I mean, like I said, I'm going to, you hate the answer, but yeah, I'm going to have to figure it out. What is that? I don't know. That is such a fucking bold response. I know. That's the thing.

It's such a dismissive response. It's not dismissive. I just don't know what I don't. to say like because that's all like I yeah you're not figuring it out you've never figured it out you're only getting jet blue you go in inside getting some bullshit you pizza hot you me then yes I mean if you're going in and getting some bullshit I can tell it's only a few bucks and you're going into pizza hut as well I know it's bullshit it's bullshit bullshit so what are we doing why are we doing that on a car that is over max out like you're destroying your life you're making

it so much harder for you to ever move out so much harder to ever be with your boyfriend because this is a thing because the money that I was making, it was my monthly, like, minimum balances for all my cards. It's so much that... Oh, shit. Oh, shit. What? This card says... Oh, I said it again.

No, it says I'm the star. You can't read that shit. Said I'm the star. That's why I'm on the show, because I'm the star today. Like, come on. Oh, you disgust me. No, are you here only to be on camera? Because if so, I'm ending this conversation.

Oh my God. No, I'm literally here, obviously, being vulnerable right now. I brought my life. And you threw it. Well, it was like five pages in like 300 empty pages. I don't know what I was supposed to do with it. Because you're trying to, I want you to fill up the rest. Help me out.

I've already told you, honestly, this show is very basic. Now, for what it's worth. You know, a lot of people, I've seen some complaints. It's a little weird. Like, I can't believe this. in a super intense financial education show like the money guys. This is very basic, but it's also awakening more people

and changing more people's finances than any of those other shows. Money guys, Brian and Bo, I love you. But it's just like because there's more views. So more people have changed their life with this because we do the wake-up call. A lot of people don't even know what the fuck a budget is. A lot of people don't even know how bad debt is. So that's what we do.

But let's be honest. This conversation is basic. I can do this in five minutes. Your business sucks. Quit. Go get a real job. Pay off your debt. Small so large. Just use a budgeting app.

We'll gift your eyes for free. Boom. Relatively easily solved. That is basically the entirety of this. Now we go through each example of your documents and I learn about you and we get in more detail. But this is simple. You're a failure. You cannot be.

Simple steps. Budget, sacrifice your wants. Get a real job instead of being a fake entrepreneur. Boom. You're on your way. Daddy stop enabling daughter, boom, you're on your way. It's like he's just investing my future with this. He's making sure you're never able to be independent for the rest of your life,

which is horrible for your future. And I'm going to call him in the post show. Let me tell you. Oh, my God. Do you know Spanish? Does he know English? Not much. You could try.

I mean, you could try, but I don't know how it's like for real. going to go. I have some Spanish speakers here, but I don't know. I'm an English speaker because, you know. I mean, yeah, we could try that. We could try that first and then, yeah. Why doesn't he speak English? I mean, he does, but like he gets by or whatever

with everything. Something I would learn. Yeah, I mean, he knows enough to like, try to, yeah. But like for the show, you know what I mean? For the sake of my business and everything, if I'm going to operate here. Like, I mean, he knows how to operate it though. That's what I'm Yeah, yeah, yeah. Good, good, good.

But not for me to communicate. I mean, you could try, like I said, you could try. I always have been here. I'm not criticizing him for not speaking English specifically. It's just like, I feel like it's, I feel like that's a long time. No, yeah, yeah. But. I mean, he's always stayed in, like, construction and stuff.

So, like, he just kind of learned that instead, like, strictly that, I guess. Okay, fair enough. Discover it. Discover it. Oh, seven. Oh, good. We're over maxed out. Again.

Yeah. Because you're nothing but success. Guys, remember when she said she was doing better earlier? Shut the fuck up. $7,175,0.28 on here with a minimum payment of $186. Purchasing. You're purchasing. In what world do you think you can purchase on here?

Listen, usually I give guests the Fizz card, debit card that builds credit. We like that. I don't even want you to have that because you'll find it way to abuse it and hurt yourself even though it's hard to do with that thing. That card originally I used it for a balance transfer. This was 70 years to pay off.

You used it for a balance transfer and now you purchase it it on and you're over maxed out. Yeah. Yeah. I did go through a whole phase of like shopping a lot like a lot. It is a miracle we have survived as a species. You know, YouTube did tell me

the balance transfer or whatever. It can be a tool. I'm okay with balance transferring. I'm okay. with consolidations. I'm okay with bankruptcy. There are consequences to all. But I am not okay with any of them if you do not change your behavior and you very clearly have not changed your behavior. I'm changing it now. No, you're not

just be like, come on the show. I'm changing it today. No, look at your actions. I have it right before you came on this show. Shut the fuck up. That is a bullshit response that I will not accept. I will never accept the response if I'm changing it not where I need to work on it. No fucking shit. This is what you're doing the day before you came on. So shut up.

balance transfer bankruptcy consolidation are damaging if you do not change your behavior before you do those they can be a tool with some consequences but potentially a tool if you change your behavior i recommend at least three to six months of behavior change proving it before you do it and you didn't where we get purchasing on here last time you said it was something something that wasn't even even close because it's pizza hot bullshit and flying so that wasn't true what's the lie going to be on this one? What are you purchasing? That's the thing.

I'm like, I'm like, remember. Who told you to balance transfer? Someone on YouTube and then also at the, you don't even know who you watch. That's the thing. That was a long time ago.

Listen, if you were going to listen to me about anything, at least know me. Now, no, that's the thing. Now, now I'm trying to,

you know, find my YouTubers. That's why I found you. Again, our shit is basic. Like, even those who criticize me and hate me, they don't say what I say is wrong.

No, that's, I mean, Yeah. You ate with that? Yeah. So you don't know what you purchased. No.

That's the- Cardi score 650. Not great. Oh, I thought it was lower. Okay, some gas. But then you went and got some bullshit. Winning got some bullshit. Trader Joe's got some bullshit.

Trader Joe's got some bullshit. Because that's certainly not groceries. Way too cheap. You went in and you got some bullshit. Nine bucks, seven bucks. From where? Trader Joe's. Oh, no.

The dick out factory. Okay, listen, it's Trader Hose, and then also at Trader Joe's, that's usually where I get my snaghton. Hey, you should work there. I do okay. So, hobbies? Hobbies? Working retail? I have nothing against working retail, but that doesn't sound like a hobby. Like, no offense.

You have no time for music. Maybe you can make time for this. That does not make sense. Okay. So you're going and getting some bullshit constantly. No, I just feel like I always buy groceries. No, I usually just buy like groceries. You're not.

It's like seven bucks. I know for a fact. No, I don't buy snacks like that. Like I stopped because I was like water. I buy water. Yeah, like that's any water. Are you stupid? What do you mean?

We have water bottles. I know. I buy the water bottle. No, we have water bottles to be refilled. You're going and buy a single year. You want me to buy a water bottle. Yes, because it's one time. You f***.

What do you think? What are you talking about? Oh my God. This costs like a couple of your trips. You're done and it's done. Like, then you don't have to. I'll get a water bottle. Is this a brand new concept?

Which card should I put it on? When you go make money. Until then, until then, you're drinking out of the faucet. Like a, okay. Like a what? I don't know. What racial slur we're going to use? That's like the image that came in my head.

You want, you, you, you're trying, you're trying to get something out of me. You can't get it out. And you know why we bleeped what she said? Because she said the N-word. Oh my God. You're so crazy. She said the N-word, ladies and gentlemen. Oh my God.

What, y'all believe what you want to believe. I can't control that. Listen, I don't know. You're just going in and getting single use, single uses. And, uh, oh, this city. go A. OZG. You went in and got some bullshit because Wawa, that was gas.

I probably had a... Petco, what for seven bucks? Definitely not food. That is way too cheap for pet food. Oh, I sometimes get like the individual cans. You're a band with folks from Trader Joe's. Yeah.

Yeah, we're in like a folk punk band. Are you spending money on this at all? Recently, because my coworker, he has a new neighbor. and so now we have to go to a studio to practice sometimes because of the drum set so that's like

$30 sometimes $30 a person? $30 per person, I know. You make no money. I know, I know, I know. That's the thing. And so that's why now in the Tampa or whatever, I'm trying to tell them like maybe we can practice at my place now, now that, or my dad's or whatever.

Oh, your dad will love that. Yeah, he encourages it. Doubt. No, he does. He's a party guy. You're playing folk music. Folk punk. In Wells Fargo, 20 years to pay off again.

Please don't be over maxed out. Please don't be over mixed out. I can't find the max. Huge balance regardless. What's up with this card? So each card has always been like a balance transfer to the start. Yeah. How many times have you done this?

I in total I have four credit cards you've done four transfers and then you've built them all up again yeah yeah no I was crazy what did after one it would suggest that it doesn't work you tit

it just kept going and going because I kept saying it's going to be different this time and then it wasn't different I just kept why would you think it's different it's just like you're saying I need to figure it out afterwards it doesn't ever happen my mindset has changed That's the

nation. And after the third consolidation, this fourth one is no different. I hit rock bottom. I hate rock bottom. The only way is up. You haven't hit rock bottom

because you can get into a much worse situation. I know I could. But this is my limit. I told myself this was going to be my rock bottom. No, you don't get to decide which a rock bottom is.

That's not how it is. Life will go. You're lucky you have daddy there, but he's allowing you to go even further down. If he dies, you're fucking. I, like, Uh, I, I'm figuring, I'm gonna figure it out, like, I have to. So as many of you know, I've been a big supporter of course careers for a long time.

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I know. Yeah, what a bullshit response? What do you want me to say? What do you want me to say? What would actually satisfy everything? Absolutely nothing. Exactly. So I'm just going to, you want me to talk or whatever?

That's what I have to say. But you don't have to say that. I don't know. What do you want me to say though? No, there are answers that other people have given that has satisfied me. I'm trying to think of an example. Listen, we're doing this live, right? Because it doesn't seem like there is if you can't think of anything now.

Because what you could do at least is give an example of what you should pay off when, what you could make it or job. You didn't even know what you're making. You could give real life examples of what exactly you have to do. Instead, what you do is the deflective. I just need to figure it out. Such a general broad nothing answer. Yeah, because that's the thing. Because I just moved so I haven't sat down and do it.

This is me sitting down right now. I know. Instead of you actually ever figuring it out, you've only ever told yourself I need to figure it out. And that's why I will not accept it. Yeah. And now I want to put action into this. Why do you think on this show? This is low-key action.

I'm flowing all the way from Florida to be here. Yeah, but we pay for that. So it doesn't mean anything. Yeah, but it's still time out of my, like. A day. You lost a day. I still, I put in the action to come here and. talk about it, be vulnerable.

And I'm glad. I'm excited about that. I'm not shitting on you for that. All I'm saying is the phrase, your phrase of, yeah, I need to think about that. I need to work on that. It's nothing. Because that's what you've told yourself for your entire life after three consolidations in a row and it's never worked. So I cannot allow you to say that because it is damaging to you. Because it's

never worked once. I have to put action in. I know. I have to put action in. And I want to figure out with that action. So you purchased $201 on here. Yeah. How about not that action? That's a good start. Right. Stupid, dumb. Dumb.

$133. The minimum is $177. Stupid. So stupid. Minimum of the payment is, the balance is $5,133. 58. What did you purchase on?

It just happened. So you should know. I will say, whenever I use a card, I'm not looking, I'm just seeing which one has a balance to like pay it or whatever because my checking account

always gets to zero because I have to pay all those minimum balances because I think in total I probably pay like 700 a month for my credit cards in total. Good, you deserve that. Yeah, that's the thing. I have nothing in my checking. So then usually... Good. Get a job. Yeah, yes.

I'm going to put in the action. I certainly hope so. That's a wait and see. That's not a conversational piece. Yeah. Well, wait a see. Yes, I also should say, you just need to put in the action. That means

nothing. You've done nothing. You've always only told yourself you need to put in the action then you never do. So that means nothing. Shut the fuck up. So you have no idea what you purchased. I just... I just happened. Was it food? It probably was food. I've been buying food. Yeah, going in and getting some bullshit, getting some bullshit, getting some bullshit, going get in some bullshit, getting some bullshit. And the garden restaurant and getting some bullshit. And then Vance. You did not need new shoes, I promise. Oh, I literally didn't have any shoes. That's a lie. I only had heels.

I only had heels. I was it. There is no humanly possible way. I don't own a lot of shoes like that. A lot of shoes, but you own shoes. Heels. I only had heels. Go to Goodwill.

$371.81. $87.87 of interest this year so far. Well, you certainly can't afford a restaurant that was more expensive than vans. The garden. The garden? The garden. The garden? I don't even remember what that was.

$86.50. $86. And $50. Cardin. I really don't remember where that was. Now this is dad that enables you. When you do not have enough money in your account, and you do not have...

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Book it with Priceline. Download the Priceline app or visit Priceline.com. Actual prices may vary, limited time offer. The ability to spend on a credit card because it's over and maxed out, does he ever give you money? He's helped me. No, no, dad, no. Papa!

Right? What do we call them? Yeah. Seniors. Seniors. No. Pappy. He says that when he was my age, he was drowning too or whatever. So, yeah, he's. And what happened? Did his grandparents bail him out? Well, he said, he says, he said, he figured it out. What did he say? He figured it out.

There we go. He figured it out because there wasn't an endless enablement system. And now he is making sure you never figure it out. How much does he lend you here and there? Lend or give? I don't even know. Do you have debt to him? He have debt to him? I offer to pay it back, but he doesn't.

How much and how often? And when and what? It's only been whenever I couldn't pay off a bill or whatever. She's always don't make money. Yeah. Well, yeah, there's, for example, like $100, usually if I have to like say a certain thing. Oh, you borrowed $1,000 the past few months. Yeah, because I needed, like I said, with the bills.

Like, if it's just like, oh, you know, like here or whatever, I couldn't like pay for the Uber. So he had to like send me 100. Yeah. But with the other stuff, yeah, like the, I had to get like 600 for like bills and like whatever. And yeah. I thought you couldn't break those mics. Oh, never mind. Yeah.

Dude, you're never going to make it anywhere until he cuts you off and makes you actually go. get your own figured out. Because you're never going to have the incentives to figure it out because he's always going to help you.

If he can take care of the bills, why would you have the incentive to go grind and pay the bills? Literally. Can you answer that question? Okay.

Answer that question. Why would you have the incentive to go out and grind when a bill comes due if he will just pay for it? Because it's not like he can always pay for it. Like with his job it comes in seasons

like construction, you know? Great. So you're taking from someone like that? That's honestly self-ish bitch It makes me feel terrible or whatever Because of other situations Not terrible enough to consistently do it

Well this is a more recent thing that happened though Like this had been for like the past I started having these issues I think like about a year ago Because before that I was never asking him for money or anything like that Is your boyfriend speak English? Yeah yeah yeah Okay maybe I'll call him in the post show

Okay Yeah call him Because you guys have been together for so long And he must be enabling you too And the fact that he's living there, it's so weird. You guys are just deadbeats. Hey, we're trying to come up with actions now. Again, that is in nothing term.

You're trying to come up with action. Do action! I know! This will be that one. You're not. No, you can do so much without coming on this show. You can literally just work. So stupid.

And you plan on spending hundreds upon hundreds to get a salon set up in your house illegally? Oh my gosh. Well, because it just... Illegally? I want to look into it and see what I can do. That's her response for everything. I know it is. Stop telling me the same shit too.

Instead of just saying, oh, you're right. It's, oh, I'll look into it. Like, shut up. Oh, my God. Why do you want to hear that you're right so bad? Why do you want to control the conversation so why? It's not about my ego. It's about you accept.

I don't say ego. That's how you're framing it. It's about you accepting it. I accept it. Instead of I need to look into it. It's a deflect and move on response. That's what it is. I'm trying to accept it.

That's the thing. I have the debt. Just accept it. Don't try to accept it. I'm accepting it. I accept it. Wow. She finally did something.

First time in her fucking life. Dude, I don't know. Good luck to your family. City simplicity. Okay, what's going on with this card? Yeah, no, it was, like I said, that was the last, yeah, no, that was the last card, actually, that I got, um, balance transfer.

Yeah. I know, I know. And still purchasing, still purchasing, over the limit, over the, what a joke. What a joke of a life you live. You don't give a fuck. $76.

$42. You don't give a fuck. Everything's been bullshit purchases. I haven't seen, other than one gas purchase. haven't seen a single necessity. What a joke. 14 years to pay off.

Good luck. Good absolute luck. Oh. For a Paris trip? I did go last year. And Amsterdam. What the fuck is wrong with you? You can't afford shit.

Yeah, that's actually how I completely maxed it out, actually. And, oh, going in and getting some bullshit. Go ahead and getting some bullshit. It's a bullshit. And laundry. You did not have laundry at your house? No, I mean, now I do. Like, the laundromat or whatever?

Yeah. Yeah, I have, it's like where I was at. Okay, that's fine, that's fine. That's fine. Everything else was boss. My God. What? Like, ugh.

It was all bullshit. Are you not willing to accept it? It was all bullshit. You were going in and getting into bullshit. You were going in and getting into bullshit. Groceries, gas. Not groceries. Not groceries.

I guarantee you they were not. Oh, the water, yeah, I got it. I have to buy a water bottle. Come on. You're fucking around. You're being bullshit. So fucking stupid. The way you were living...

Nohila, so this is two in loans? Yeah. What did you do? This is for cosmetology? Yeah. $10,000 for cosmetology? It was $18,000. All for you to not use it?

But, yeah, I had a Pell Grant and then I paid off a $500 loan. Oh, man, we Pell Granted for Fagmetology. Kill me now. $9,935. $0.69. Really look at the Pell Grant system, ladies and gentlemen. Payments are becoming due soon. Yeah.

Because the time for this sitting at zero is done. Yeah. Oh, they've announced it. And you're going to have to actually pay the bills that you chose to take out. Ha, ha, ha, ha, ha. Yeah. You deserve it. And I'm okay with income-based repayment.

That's okay. And luckily, you'll be on. an older system of income-based repayment instead of the newer systems that have been announced because that's for future borrowers, if I'm not mistaken, but $9,935,000. I'm guessing with an income-based thing, and it's going to be pretty cheap. Typically, I'd say you're about at $150. Traditional. I'm going to say you're going to get moved down at $25 to $50,000 to $50 just to be, you know, just to be safe as we make out the budget at the end. It's ridiculous. How long was cosmetology school? It was about like a year and a half for me.

Okay. Yeah. Is that normal? Well, it took me a little bit longer because of family stuff. Okay. Okay. So these are going to come due soon? Yeah.

And you better pay or else they're going to come and get you. I'll pay. I'm paying it. This is something to f***ing at me. This is you're checking it. count really not much in here it's very scary lots of transfers back and forth oh yeah paying for oh paying for deposits paying for paying for paying for paying for paying for paying for paying for paying for paying for all these paying fors oh so my um overseas my mom lives in venezuela and she uses my

um debit card for transactions over there for like food and stuff why you why not papa or puppy you you make money. It's um so my dad and my aunt, um, they transfer and then I also help out to like send money over there. Uh, they're seeing the statement that they went through. They were not seeing overseas transactions. It is. For some of the pay of fours. Well, because she has, I mean, I guess she has access because they use Zell over there for the grocery stores and stuff. Well, Zell's different. I'm talking about the, the, uh, the fucking Chase Payne for us. Oh, that. Oh, yeah, yeah. Yeah. You know, the thing that I said like four times. Yeah. I never mentioned the word Zell once. Sorry, sorry.

Yeah, yeah, yeah. No, my bad. Because. I'm glad we're just hearing things that I'm not even saying. Yeah, keep going. Oh, my God. Okay, well, that, yeah, I had used it because my mom needed money and stuff. So then I put that like.

Just do everything else wrong. Like, yeah. Michael Schores going in getting to BS. Going in getting some BS. Going in getting some BS. Salon Centric. Going to get into BS. The hideaway bar.

A DM a draw $560. Who knows what the fuck that one? That's insane. Battle to LA. Going and get into BS. Go in and get into BS. Wendy's Amazon. Go in and getting some BS.

Broke oven pizza. Go in and get into BS. You go in and you stop for shit constantly. Pizza Hut. Aege how much are $20? Who knows where that went? Going in and getting some BS. Oh, Zelling out.

Hold on. How much does mom take? Because this is like upwards of $2,000. Well, yeah, that's the thing. We help fund everything over there because it's... You don't have money. You can. I can't.

I'm sorry. The best way to take care of other people is making sure you're at least able to survive so you can take care of them long term. Right now I'm seeing about $2,500 to sales. That's impossible. Your savings has gone down to $0. This is impossible. You can't fund this.

Your dad can. You cannot. You don't make money. How would you... I don't like this. And I know the situation in Venezuela is about... Yeah. Because it's also my grandparents there.

And my grandma has Alzheimer's. It's hard, but you don't make money. Yeah. How are you ever going to be able to be able to... live life. Yeah, I mean, that's the thing. And it's hard to because in Venezuela, like the prices, they change every day. Have they considered coming here?

They can't. Why? Well, my mom can't. She has to wait the 10 years. Okay. Yeah, because she got... How far is she? Seven.

Ten years of what? Because she was deported. She was deported? Was she on asylum? Um, it was... For Venezuela? Yeah, it was like, um, we tried to do the asylum thing. and stuff, but our lawyer, they switched it over

to a different lawyer at the last minute somehow. Did you have a public lawyer? And she was terrible. She had everything wrong. You had a public lawyer? It was, that's the thing. I was, I was 18 at the time, so I don't really know too much from that, but I know that it was

like, um... 10 years and then what? And then she would have like a chance, I believe, to like try to like reapply for like a visa or something. Yeah. Of which I wonder what that accept rate even is if that's not our... record. No, yeah. Yeah, so. Yikes. Now, as I build this budget, you and her boyfriend have been together for a long time, and I understand it's a complex relationship with you guys not wanting to get married,

but we're still kind of a household. It's weird. What is your guys' communication, relationship with money as I do this budget? Like, what is anything with you guys? So we, I know that he's not super comfortable with, like, finances and stuff like that. Just, he, he just doesn't, like, like learn about it and all that stuff. He doesn't, he did have just like, it wasn't a credit card, but it was one of those things. Does he have debt? It's paid off now.

Because it was only like the two of your dog. Yeah, yeah, yeah. Yeah, so none. So why are you trying to say he's the one bad with, what? Oh, no, no. I'm not saying he's bad at it. He's terrified? Yeah, he's just.

Yeah, but he doesn't like, he gets scared to look into it, that makes sense. Good. You guys shouldn't. You should be scared too. You have completely f***ed your life. But what is your guys this relationship communication? with finances. What are we

plan to do? To like, with my credit cards or like my... No, with the finances, you guys together. Um, because like the marriage He thinks he may have taken advantage of you. Um, no, no, I don't think so. Because me and him

we've always kind of gone back and forth with, um, like, if he has a job and then I don't. Why don't you guys just have jobs together? You guys are so weird. I, yeah. Yeah, that's something that... But I am being told that some of the spending for him is done on your debt.

Whereas you're the ones out of all the debt. He is not. Meaning that, in a way, that does put, especially with not being married, it puts the bill on your play. The debt on your play. Would that not be a heavier weight towards you versus him? I mean, yeah, like, I guess the thing is I was the one that got the credit card. and everything like that.

And I offered that I offered to like help out because I know that he wanted to be a chef and everything. And so I know he was working as a cook and I know. And then it wasn't making a lot of income from that. Yeah. Yeah. So that's the thing like. Can you guys do something that makes an income by chance at some point ever? That's why he's getting into construction and trying to.

Listen, he's literally just with your dad though. He wouldn't have a job if wasn't your dad. Yeah. I know. My dad helped out. So it's like your dad is just. No, but. If it wasn't for your dad, you guys would be dying.

Yeah. No, I'm grateful. for my dad. Which you might need to be dying a little so you can get your shit in gear. I'll get it in gear. Everyone, you learn the thing. Sometimes people need to reach Rock Bottom. Yeah, I think you need to.

And the way to do that is your dad takes away the piggy bank. Hey, this is a thing I... Because you're not going to hit Rock Bottom until he does. I've worked a lot, like my whole life and stuff, even helping my dad and everything like that too. And I know in his way, it's just a lot to get into or whatever about growing up. But yeah, basically I know, I don't know. It's just complicated. Okay.

I don't know. Yeah. Well, it's not complicated. It's very clearly you're being enabled and it is holding you back. That's not complicated. That's the reality of this situation. You would not be okay with sitting on your ass for a few weeks if you did not have daddy there. If your bills could be covered by him and at the roof over your head can be covered by him,

you would not be okay with your current situation. You would be out there finding a way to make money. You would be out there providing value in the marketplace and you would be receiving dollars back and you'd be able to pay your bills and you'd actually be learning financial discipline. But because Daddy is there to save you, you have really no need to do that and it's okay for you to sit on your ass. I'm not trying to sit on my ass though. But you are and you wouldn't be if you needed to. I've been there for a few days. Come on.

But you quit a few weeks ago. You would have something lined up if you didn't have your dad lined up. But because he said, like I said, the two-month thing for me to just get myself together figured out. Exactly. That's unacceptable. I know. I can't have the two months and then, you know, go out and do it and out. You figure it's trying to set up an illegal shop. Like, it's nothing real.

This is so dumb. Income, I don't even know. But we can only see what you need to survive for a budget. So this is fucking ridiculous. Your debt minimum of payments is $711. $0.41. $0.42. Do you have to pay right utilities internet?

Anything? No, not yet. Okay. Gas, room, room, drive, drive. I'm near a lot of stuff, so I don't think I have to pay that much anymore for that. So I'd say probably maybe $40 a month. Car insurance. Car insurance is about 230.

Chunky. Phone bill. Phone bill. My dad takes care of that. If you ever have to have yours, as long as T-Mobile is getting in your air, I would do helium, super cheap, super affordable. Oh, thank you. Necessary food, how does groceries work in the house?

Not you stopping for water every five seconds of your life. How do groceries work in your house? I would say I've been noticing I think of around maybe $150. No. How do groceries work? Who's buying what? Well, right now it's been my dad and my boyfriend. I have to with the money that I got from Trader Joe's, like right now.

but for future so like do you because that's the thing I'm like I just like right to not have the TP fund $100 anything else you need to survive groceries

I'm going to say 150 is what you can contribute maybe medical health care anything um I know my dad takes care of that one I'm on his plan no or no 26 isn't that where it ends or is 26 the last year oh no well he um I don't know he put me in some sort of plan or whatever

I don't know I don't know. No. I don't think so. I just know that he at least covers the payment for it. Oh. I don't. That's, yeah, I know.

Oh, you baby. You'll never learn anything. It's true. I'm trying to learn now. No, you're not. No, you're not. No, you're not. Subscriptions, no.

Fuck off, cough, cough, cough. I don't know, dude. So you may be bringing a thousand hours in, but you need at least to just live with him alone is $1,231.42 cents. What is your plan with that? I'd like to hear from you, self-assessable. What's the plan with that?

How do you even pay for that? What's your plan? Here, you're always thinking about it and you have to think and you have to make plans? Go ahead. Make one. Okay. So, I know that I can get some hair services in as well as sell some rugs and everything like that.

Typically, like I said, that's a thousand there. That's a thousand there. There's a thousand there, okay. My boyfriend, I know, you're going to hate this or whatever, but he is going to help me with this since he's getting paid and everything. I'm married. I'll look into that because, like I said, I haven't looked into it. I know.

I genuinely. I'll say that genuinely with marriage. I haven't looked into like that. Oh, my God. Okay. And then. Um, okay, so like, I will say, I, what will you say? I do travel a lot and I want to factor that into like budgeting somehow.

Wait, that doesn't make sense. You can't even afford what's there. And that's nothing. Yeah. How the fucking are we even talking about travel? Like, I don't know. Because I know like, for example, I know there's like a cruise or whatever that my friend wants me to go on and stuff. Your friend or they can pay for it.

True. True. They can pay for it. That is your only way to go on the cruise. What are you laughing at, you shit? Oh my God. Because, you know what? If I can either cry or laugh.

What else is travel bullshit? You. Um, well, I go to New York pretty often. Why? Because. You don't have money. And you're trying to fund your mom? That's not even in the budget either.

I, okay. So I don't have to pay for a place to stay there. I usually find tickets. for $30. I could get a dollar pizza there. Or actually a lot of times I find things where it gives me free food, too, like events and all that stuff. I get invited to a lot of events over there.

And they're calling you out. They're saying lies. The flights are not $30. Well, yeah. No, like that's the thing. I try to find stuff like that. At most, I'll go to 80. This is one of the things that she tries and then she doesn't.

And then she's like, okay. So I'm just going to spend a lot more. Off. Of your mindset and your excuses. For your own life and misbehaviors are unacceptable. Unacceptable. You have f***ed around and your dad needs to cut you off and you need to hit rock bottom. And I'm going to call them both.

We are going to talk and I need you to get destroyed so that you have to go out there and get done on your own. What a joke. Listen, guys, join us in the post show. I'm going to give our Hammer Financial Score right now. But join us in the post show. Remember, Sine for Hammer Elite is free for this month. I will reimburse the purchase at hammer elite.com. Come watch the potion.

I'm going to call her boyfriend, and it's going to definitely be interesting. I know that her fact, because I need to confront the fuck out of this failure. Spending it a budget, you ever spend zero out of ten debt. I mean, they're over the balance, all of them, except for your student loans because you can't. Zero out of ten, then.

Emergency fund, you drained it to zero. Zero out of ten, retirement, you took it out. Zero out of ten, real estate. good luck ever. Affirting that, zero out of ten. Hammer Financial score, zero out of ten. Join us in the post show.

Join Hammer Elite in the description below or click that join in button. Submit the proof of purchase at hammerleet.com only for this month, and I will reimburse it with a $10.00 digital gift card that can be spent anywhere in any country. You allow yourself to quit your job. Take out of a f***. Why didn't I know about the payday long? I forgot. Have you ever jerked it at work?

Postal teaser is going to look very weird. You are. Are being cucked. No, no, no. He's getting cucked in 4K. Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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