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

Episode Date: August 1, 2025

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Tap the banner or visit usa.com slash auto discounts. Restrictions apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. It's kind of hard that, you know, I am a provider. I guess you don't really understand that as much now, that, you know, you have this big studio and stuff like that. So maybe you kind of can't comprehend that. How do I not understand that? You think businesses that have...

What do you think someone that's working multiple jobs to then afford taking care of themselves and their mother? But I was there working multiple jobs in order to make my bills do. And then you got out of it. And now you're kind of losing that understanding. Fuck you. Who do you think you are? I mean, I think you just need it to be a little bit humbled. 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 and purchase at Hammerelite.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, I am Becca.

I am 28 years old. I am from San Antonio and this is financial audit. Thanks for coming up from San Antonio. What do you do down there for a living? So I work at a nonprofit with foster care and I'm also a provider, so I'm also a provider. What is your job with the nonprofit, though? I work in like a mentorship program, so I'm like an intake coordinator. How many hours a week are you doing?

40 hours. Okay. Okay, cool. What is? Well, I guess full time for that, but I do also work with my grandmother as well, too. So I'm a provider. Doing what? Oh, provider for her?

Yes, like a home health. Okay. I've heard of home health care. Yeah. So what do you make from the first job? Oof. I make around, I guess, I don't really know. I think roughly around.

Why the fuck do people come on the show and not know their income? somehow because everyone's from the audience. Well, what, I thought you would have known this one too, because aren't you supposed to study as? I don't know. No, I go in blind with the audience. They've studied you. I think I make around 1390. Yes, without taxes.

1390. Every paycheck. So. Which is every. So like, now I have the time. Can we use your calculator? Something. What the fuck is wrong with you?

Why do you not know your own pay? I just, oh, okay. I just started working there. back in April. So that I guess. Okay, so a few months, I'm not trying to be rude. And then I did just get my four-up K as well too. So.

You coming on this show. You know this is the first question. You're from the audience. How the fuck do you not know your income? I'm sorry for coming in out of the gate kind of brutal, but honestly, at this point, I'm a little annoyed. What's the fuck is wrong with you?

Very valid. But like I... How do you not know your income? I just have a little... I kind of just look at my calculator, my chase app. You look at your calculator. And I just kind of calculate.

for how much I have in my bank account, really. Well, no, no, no, what does that mean? Walk me through that. So whenever I get paid, I immediately just check what I have in my account. I then put it in my calculator and then I just... Calculator. Explain what you're doing with your calculator. That's my budget.

So that's how I kind of like... What's your budget? A calculator? So I go on my calculator with my money that I have. And then... So I'm on my calculator. What am I doing here? I don't have a little manual one.

Yeah, but what am I doing? doing here, exactly. I enter my money. Like how much you have, how much you're getting paid. What do you mean your current amount? Payday comes in. I then just go. So when payday hits, you go.

You let me talk. I'm trying to clarify because your answers don't really make sense. So your paycheck hits. Yeah. Okay, we'll slow it down. And so payday hits. And then I go on my bank account and I see how much I get paid. I then enter that into my calculator.

and then on the side of it, I have like my calendar of all my bills. So I look and see how many bills I need to pay on that set pay period and then hopefully it's a positive

at the end of it. Hopefully it's a positive at the end of it. And how is this working? It's been working decent so far since I haven't. Which is great. Yeah.

So if you're typing in your calculator, if you're typing your number your calculator of what is it in your account. You should be able to tell me what is it in your account. So like 1390. Like 1390. Yeah. And it's because I just got a 401k, so I think they're taking 6% off.

Is that what you've chosen? It was a default, and I just went with it. Is it matched up to 6%? I don't know. Do you know their match at all? I don't know if they do match. I saw the paper, and I kind of just put in my backpack, which I don't think. they match?

At all? I don't think so. It's a non-profit, so it's kind of hard for them to match. But that could be a question I could ask. I should have asked maybe before coming on. You've been in this since April.

Yes, late April. Okay. And it was also in the middle of them doing a whole insurance and for a 1K change. So everybody's kind of clueless too of what's going on. Just because you are doesn't mean everyone is

I feel like that's what happens with a lot of clueless people is they think because they're confused everyone else is. You know what? That's very valid, but also I think everybody is clueless. Says the clueless one. 2780 is what hits your account according to you. With that nonprofit job. And then roughly around 550 to 580. Now how was that paid specifically?

Direct deposit. I mean, what is your employment contract? Is it, you know, how is that structured? Oh, salary? How is it structured in terms of whatever, you know, whether it's a 1099 or, you know, W2, you know, taxing before your account hits. You're losing me. I don't know. All of the above.

Because you have to pay taxes on it. Yeah. Yeah. So there's, I do get a W2. You get a W2. Yeah. For this. Yes.

Good. Good. Good. Good. Good. So what hits your account from that job a month? Which one? My nonprofit?

No, the other job. the one you just said. I get paid twice a month, so it's $5.50. $5.50 twice? Yes. Okay. So like roughly $1,200. Right?

Or $1,100. I was the president of math club back then, but not anymore. So back then. Yes. I'm back in high school. Yes. Back then. I know exactly what you're talking about when you say back then.

Yes. $3,880 is what hits your count. Oh, okay. That's pretty good. Okay. Yes. How do you feel living on San Antonio? That should not have taken seven minutes, I'll be honest.

But okay, here we are. I think it could have taken longer, honestly. Could have taken longer. Yeah, especially because I kind of don't really know my finances and you're here to help me. I'm here to help you, but I'm going in blind with the audience. I discover this long the way. And then you kept cutting me off. Which is also something I say every single episode.

Right. I mean, I watch the TikTok. So you would know that. We're the Hartford, with decades of experience and assuring millions of unique small businesses. When it comes to your small business insurance. Thank you. One size, absolutely, does not fit all.

Get a quote or find an agent today at thehart.com slash small business. Yeah. How do you feel living on $3,800.00? Pretty good. I would say it's still like a paycheck to paycheck to me, honestly. Why would it be paycheck to paycheck? Why are you paycheck to paycheck? What is paycheck to paycheck to you?

Just because I do have a lot of bills. and I don't just pay for my own bills. I financially support my mother as well too. Yeah, but you're getting the, oh, well, no, that's for your grandma. No, that's my grandma. What's wrong with your mom? So she's on disability. So she has rheumatoid arthritis.

She had a near-death experience. What is your experience? What is your support to her? I pay for the house we live in, the electricity water. Yeah, but I assume she's getting some kind of disability. Is she not? She needs to be on this show as well, too. But she...

I love when someone should be on the show when they're receiving government benefits. Well, isn't that unusual? You know, the government doesn't help that much, so... Yeah, but why should she need to be on the show? She also has a lot of credit cards. So it's kind of like a generational thing. A bull- Probably.

Yeah, so... No, she's getting assistance. Yeah, like the very first... Seems like an interesting financial choice. Yeah, so, I mean, my mother just kind of raised us on her own. So she's a single mom. My dad was really never in the picture. So I kind of had to take that role growing up as well, too, just kind of being a provider for her.

For her? Yes. Single mom's great. So I love it. Well, obviously, I don't like want people to be a single mom. But it's like, good job. You're a single mom. Yeah.

Pat on the back. Love it. Good for you for making it work. That you had to step in and be a partner? That's weird. I mean, not definitely a partner. But she did have. you were framing it was kind of that.

I mean, pulling my way, especially once I grew up. Pulling your way and helping the Sibs, I get that. But you definitely framed it more as supporting her. Well, once she wasn't unable to work anymore, I definitely had to pull much more of that responsibility. And that's just something me as a person, I definitely just love to help others versus my own, which I guess I'm helping myself now being here.

So with this calculating thing you do, 3,880. How are you making a month a month? How would you describe that? Really just kind of having a lot of financial bills. I mean, it's kind of hard that, you know, I am a provider. I guess you don't really understand that as much now that, you know, you have this big studio and stuff like that. So maybe you kind of can't comprehend that. I can't comprehend what? I mean, well, look at where we're at right now. It's like a huge studio. Yeah, that would mean I understand more than other people because I have a big ass bill and 28 employees to take care of. That means I would probably understand it more than the average person.

You have the money to then get that. I have to, I have to budget it and have to go out there and kill things and bring them home in order to make sure people can pay their rent. And then I just have to live paycheck to paycheck to just pay for my survival needs. I'm giving those paychecks. You don't think I understand budgeting and needing to make a bill to. Maybe you should pay your employees more too then.

We pay pretty well. I mean, I know someone's here working on their birthday. Is it someone's birthday today? You don't even know your own employees. I don't know everyone's birthday. It's Colton's birthday? Yeah. Happy birthday, Colton.

Congratulations. Adults work on their birthday. I'm going to cry for him. I work on a nonprofit and at least they give us our birthdays off. If he wanted to request it, he could have. I wouldn't have to request it all. Choice. Okay, if they want to treat you like children, they can.

How is that treating like children? It's more of a birthday. Who gives a f***? You have one every single year. It's just called caring for people. I guess you don't understand that. You're right. I'm forcing him to have a week off in, what, two and a half weeks?

So I guess that's not caring. And I'm losing revenue for that because we're not uploading that week. I mean, that's totally fine. At least you still have the ability to lose a week. Because if I don't work a week, it's a struggle. Yeah, but I'm making that sacrifice to me making less money in order to force everyone to have time off. I mean, just you saying that is very much like an out of touch statement. What's out of touch?

touch. Out of touch just because you have like all of this money and revenue that you can then pay for others for you. What do you think a business is that has employees? You think businesses that have. What do you think someone that's working multiple jobs to then afford taking care of themselves and their mother? What do you mean?

I, well, not the mother thing, but I was there working multiple jobs in order to make my bills do. Yeah, but your multiple jobs to make your bills do is because of your McDonald's. Isn't that what you tell everybody? You just spend money on McDonald's. I went to McDonald's. Sure, all throughout my life, but I had rent and college and utilities. I had to pay for all that.

Yeah. For student loans. And I was delivering grinding on Jimmy Johns. And then I also had side hustle composing. And then you got out of it. And now you're kind of losing that understanding that, you know, I have to use. Can you explain to me how I'm losing that understanding, though? That the fact that I have to one, live paycheck to pegger.

Yeah, but how do I not understand that? Because you are claiming I don't understand that, but you're unable to adequately explain how I do not understand. I think just from seeing your past videos like on TikTok and stuff like that, you just have this like stigma. Like you can't use credit cards, blah, blah, blah, blah, blah.

But I, it's so hard for me to not use. Hold on. You're losing your own point here. Not use credit cards. Credit cards can be a damaging tool to people. They fuck people. And I always say if you have to. It's either starve or buy some groceries.

Of course I'm going to use my credit card if I have to be. Starve or buy some groceries. Okay. She went out to eat $500. That's star. Marvin or buy some groceries. F*** you. Okay, obviously you don't know how it is to spend money on groceries and find food for more than one person.

$500 eating out. That's groceries? That's actually pretty good. Not when you don't have money. We live in Austin as well, too. That's so expensive over here. Okay, you don't live in Austin. Yeah, in San Antonio.

A much cheaper city? Yeah. And that's still cheaper than how it is in Austin. What? What is that point? That doesn't make sense. I'm confused. don't understand. You're just so privileged now and now you're just feeling so out of touch.

So because I've made good money for a year and a half, all of a sudden and I lose the other 28 years of my life, I'm confused. Obviously, by your mindset. What? What's my mindset? Can you explain to me? You're feeling like the credit cards is so damaging. Yes. Have you seen this show? Everyone's gone under credit card and they're damaging their lives. How would you advocate that they're not damaging? Because it's a means of survival most of the time. I think maybe it maybe, maybe it's because you don't have many people that are. You spent $500 going out to you when could have put that towards an emergency fund, which would counter act. You did not go out to eat. You did not need to go out to eat.

Need? Do you not understand what the word need is? I mean, just living in a hell all the time. I definitely would like to enjoy myself and just go out to eat. I'm not saying don't enjoy yourself, but now you're having two pillars and you have to choose what you're doing. You're saying you can't survive or you need to enjoy yourself. Survival is different.

No, not in your situation because if you're drowning in credit card debt and you have to go into more credit card debt in order to survive because you didn't save up for an emergency fund, then yes, you sacrifice a little and don't go out to eat and experience a little. Unrealistic, I did it. Okay, then show me how to do it. Aren't I supposed to be here? How am I supposed to be saving? What do you mean?

That's why. How am I supposed to do that when you come in and you start fighting? What do you mean? Okay, maybe we need to take a step back then. Maybe just utilize some soft skills. Huh? What are you talking about? Just try and have me to understand then.

How am I supposed to be using an emergency fund if I'm living paycheck to paycheck? First of all, it's an emergency fund. It's for emergencies, not for fun. Fund. Yeah, a little slip on your end, and that makes me a little concern seeing how you spend. Just because I talk a little differently does not mean my finances are going to be much better. Huh? I mean, you just made that realization, though, because of the way I talked, you're trying to scare about my...

Because you said emergency fund. Fund. Can you hear? you need to clean your ears. Fund. Yeah, play it back. What are you talking about? Just try and have me understand then.

How am I supposed to be using an emergency fund if I'm living paycheck to paycheck? Okay. So the reality is if you do not have an emergency fund, duh, that is an emergency. That means you cannot cover the expenses that pop up, especially if you aren't responsible for taking care of others, even if they are being financially responsible and you're likely enabling her. But that's a different conversation. So in that case, you would sacrifice. the things you want, not need to do what, so that you save up more money and you can cover those

expenses so you don't have to use a credit card. Now, to address what you said about credit cards or, you know, some people have to use them for emergencies. Don't get me wrong. There are positions where someone did not save an emergency fund. And I believe throughout this show, a lot of that is more of a choice than people are willing to acknowledge. Let's say they didn't.

Okay. Yes, you open a credit card in order to pay for an emergency because I'm not saying starve, suffer, don't pay for those that are relying upon you. I'm not saying that. However, if you open up credit card in order to cover that emergency fund, you do everything in your power afterwards then to sacrifice, cut out your bullshit and pay off the credit card debt that you use for the emergency and then save up an emergency fund so you don't know to get hard to do.

You don't have the money to in the first day. You don't have the money because you're spending it out bullshit, you dumb tit? What do you think? You would have good tips for things. Huh? I just said I think I have good tips, but thanks. Thanks. Sorry, you just got me there.

Got me a little ego boost. I could bring it down real quick if you want me to. That's totally fine. I mean, I think that's kind of like your kink. So I think you do like to degrade people a little. Degrade? I like a good roast and jab. He-ha, he-ha.

Yeah, seems like you kind of get off of it, I guess. You think I'm gooning under the table here? Obviously not. No. You definitely wait until later on, I guess. I mean, I think everybody else. is thinking that's true. Everybody else?

The people you're looking at. The audience? Yeah. It's what gets you on to. You're coming from a weird place, man. You are coming to this conversation in a really weird mindset. I really don't get him.

And honestly, unfortunately, it sounds like it's coming from a place of victim mentality. And when we are in a place of victim mentality, it is hard to get out of that. I mean, very much so.

But, I mean, I don't think you understand that I am constantly working to them. You keep saying, I don't understand. I've been where you are. I've been in a worst position. But now you're not. So now you're not. And I think you're losing that.

That makes no sense. So you're saying the moment that you start making more money, you will not be able to remember anything you've been from. But like once you get like that fame, I think that aspect just kind of tarnishes it. I get recognized on the street. But my life has not changed. Are you sure? I have the same friends. But you have to pay them now or what?

I employ two of them. There you go. Not the others. But now you have the money too. pay for friends. Oh, okay. Well, I don't have applications online for friends. Do you even have an application online?

For what? Jobs? Yeah. Yes. What is the point you're trying to make? You keep saying these things, but I don't understand what you're trying to say. I'm just trying to go with you. I mean, you're just kind of going all over the place.

I'm here to get, you know, a budget. I'm just easy to get sucked down a rabbit hole, if I'm being honest. Okay. Makes sense then. I don't even know what you said. But what, again, My concern is you come from a victim mentality. And because of that, it's going to be hard for you to just accept, okay, maybe you shouldn't spend $500 last month on fast food if you're paycheck to paycheck survival.

You're not entitled to that. You do not deserve that. Well, then, I don't get out of that then because I understand. You don't spend money on fast food or I'm confused. Okay, but maybe, maybe you shouldn't use that word. I can use whatever the word I f***ing want. Definitely like I'm trying to get. We don't have in this audience.

They don't cancel. Are you sure about that? Yeah. We'll see. Why are you on the show then? To get help, I'm trying to get out of that victim mentality. Which is why you came in and you started immediately saying, I don't understand. Why would you talk to someone who doesn't understand then?

Because I'm trying to get help. But why would you be getting help from someone that doesn't understand? Not understanding what? Maybe you just need that educational piece, you know? Educational, but you're not able to say what I don't understand. The only thing you said so far that I don't understand is what it's like to live paycheck to paycheck, even though I did the vast majority in my adult life. And I've been successful.

I had to care for someone else with those paychecks? I haven't had to care for a significant other with the paychecks. But what I am able to care for now is making sure I hit payroll every two weeks. If revenues are up, congratulations, I get to take home money. If revenues are tight like earlier this year, because guess what? Ads fluctuate like crazy at the beginning of the year. I didn't take home money, but I made sure everyone else's payroll was hit. There was a couple months last year.

I did not take home money, but I made sure everyone's payroll hits. So yes, I take care of other people. Good. That's good then. Maybe then it's not me understanding fully then, I guess. Well, yeah, you're an obnoxious. I'm confused. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y. Refi is here to help. Unlike traditional lenders, YRIFI is focusing on your desire and ability to repay not just your credit score. With guaranteed interest rates under 6%, they offer a pathway

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more affordable. Go to y-refy.com slash hammer. That's yrefi.com slash hammer. Or call AAA-Refi-78. That is AAA-Refi-78 and see how they can help you move forward with confidence. Yes, you obviously know nothing about my life. So I don't know why you're trying to tell me what I do understand and what I don't. I'm really confused. But you also don't know anything about my life either. No, but I do understand your spending. And as I try to get to know the situation, you immediately come in and say, I can't relate. How the fuck do you know?

I mean, just looking at what you're doing right now, you're not really acknowledging this. You said it's because we have a nice building. The fuck is that. Yeah, we want to be able to recruit top talent and we need space to put people. What do you think businesses do? That's the dumbest thing I've ever heard in my life.

And you think I'm not able to look at someone and relate to them because, hey, guess what? I was in a situation similar to yours. Not the mom thing, but a situation similar to you. Actually, you made more money than I did throughout the majority of my adulthood. So actually, that's a lot. And I have to work a lot. I work six days a week.

I work at least 13 hours a day. Congratulations. Also a lot on your choice and the choice of the financial situation you got in by the actions you did. Not just the actions I did. I had to go this way. I mean, it's just. The actions you did, you think you got into credit card debt all because of emergencies. as I go through the spending.

Yeah. I've already called out the fast food spending. We haven't even talked about any of the other spanning categories. I mean, just because, I mean, I don't really have time to cook. Yes, you do. No, I don't. I work from 9 a.m. to 10 p.m. When do you expect me to cook?

No, you said you have Sundays off. You can meal prep. You warm them up. Yeah, that's very unrealistic. It's a lot of money to then buy for the meal prepping and stuff like that. $250. $250 a month from H. I'm sorry if I want to enjoy my Sunday

Want, want, want, want. You're choosing want. I want you to as well, but you are choosing want over what you need. So you cannot come in here and cry and say you cannot. Do you see me crying? I mean, I don't think I'm crying. At least not yet.

You came in here and complained that you can't do it. And also, I don't understand how you're at 13 hours a day if you're working 40 hours at the first job. Then the grammar thing? Are you saying that's another essentially? 27. Now, when you were with your grandma? you have no time to cook because I assume you make her food as well.

Yeah, I cook for her. Grace, you can cook for yourself. Yeah, so I then, whatever I make for her, I eat as well too. So that's like my only time. So that's a lie that you needed to go out to eat for $500. You immediately poked a hole in your own lie. No, I mean, I'm cooking for her and myself. That's my dinner.

That's it. Then why are you going out to eat $500 a month? Because I like to. Because you like to, because you want to because you care about that more than actually putting your life in a financially stable position. Yes, I guess. But I can't relate to that. I can't just enjoy a Sunday and going to a restaurant.

I'm not saying that. Actually, in fact, if you would like to, go for it. Go ahead and leave. I will support that life if that is what you're choosing. People come on the show because they want to change their life, fix it. And I'm telling you, sometimes you have to sacrifice your wants and put your needs above that. Yeah. If you want to live that life, I will allow that.

Who am I to say no? Go ahead and do it. A budget plan should definitely have some sort of avenue where you do have some wants. so you're not just drowning and just having to. If you can make it, when there is wiggle room, I give people once. I give people subscription funds now. I never thought I would do that from the beginning. That's when there's wiggle room.

If you can't survive and you need to, there's an emergency going on, no. I think likely I could. I mean, why aren't you? That's why I'm here. Gotcha, bitch. I don't know. I can say it, ladies and gentlemen. I think I have already said it.

Ding, ding, ding, ding. I think just being on here is the reason why. That's why you came on here and then within 70 minutes said because you are in a nice building, you will never be able to relate to my position, even though I've only been successful for like two years. Hey, that's two years longer than me. Yeah. And from your type of mindset, you'll never be successful is how people like you turn out. And that's totally fine.

As long as you know, you get me a financial plan, maybe I could. Like here's the thing. You say you use this budgeting thing, the calculator. Yeah. So what am I changing in my budget that is different than you being able to budget? if you're already doing that. I guess really kind of understanding how I can smartly pay off my debt. Because I kind of just go by minimum.

You can't pay off your debt. You can't pay off your day. You're spending more than you make. There's no debt pay off there. You're the one who's already budgeting to doing a calculator. How much did you spend last month? In the statements that we have, how much did you spend? What went out?

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What went out? I don't know. Go right. Come on. You're the calculator pro. Once I... Once I calculated it, I kind of just forget it and think it's paid. I pay my minimum and it's good. I think I'm able to relate to your finances more than you're able to relate to your own finances because at least I know the damn numbers.

Probably. I mean... What is wrong with you? I mean, I just don't like looking at the card statements and stuff like that. I just, you know, I pay what's that minimum, pay a little bit over to think, yeah. Okay, $5,200. $133. That's substantially more than you make. Substantially like $1,500 more than you make. So what the fuck are you talking about?

You're never going to be successful. You're never going to be able to get out of debt. You're never going to be able to take for other people. You say I can't relate to having to take care of other people. It's not even about that. It's you spending more money than you making it as a simple mathematical thing. Even if I grew up privileged, which by the way I did, and I had foreclosure notices on my house and we couldn't afford to do anything.

Anytime we did, we went into debt. And I had to borrow for every single cent of student loans. And I still have my student loans, by the way. Same. And I've had responsibilities in taking care of people and employees where I could have just been a selfish YouTuber and just did this show and not do anything else and not hire more people so people can take time off and just did one job, one person per one job. And just take home more money grubby, grubby, grubby. But let's say I did that my entire life. And I was privileged my entire life.

Or you just watch one video instead of being a stuck up. But either way. I mean, why do I need to watch a whole video if it's just the same thing? I be informed on the topic that you're trying to talk about. You're constantly just having people on here that are just spending 20,000 on OnlyF, but you have someone that's here actually just trying to. It's so rare that we have someone that spends money on OS. I guess only your popular ones then.

You're talking about maybe a clip that popped off and you saw this is. Yes, why be informed on the thing that you want to come in and immediately push back on? This makes no sense. These people, guys, this world is filled with morons. You know nothing about me yet you wanted to come in and tell me what my perception. in this world is fuck you. Who do you think you are? I mean, I think you just needed to be a little bit humbled.

You didn't, though, because you came from a position of just ignorance. You know nothing about me. If you want to humble me, bring something real. I guess I don't have anything real, but I mean... Do a little bit of research on the thing you want to talk about, and then you can come in and do it. Well, I thought it was meant to be here like a little bit genuine about my lifestyle and stuff like that. I would love to, but you're the one who brought up that topic. Then why can I bring up that topic?

Because you brought it up. Okay, then I probably don't. Nope, that's fine. And because you're... Thanks. I mean, that doesn't really bother me whatsoever, I guess. What? Having a terrible personality? I mean, I guess it takes one to no one.

Oh, I'm a bit goony, but we tell you that before you're coming on the show, you just watched a damn 10-minute video before you came into this room. And a five-minute video that was sent to you before you even showed up here. There was. Well, that's your fault for not clicking a link. I think that was just about finances. No, it was about warning you what happens if you come up. on the show and the personality about the person across from the table.

You're a moron. What the fuck is wrong with you? Do you not watch things? You don't do any research of the topic you want to talk about. You come in, you want to be competitive, but you have no ability to even speak on it. I'm just so confused on your existence.

That's totally fine. I mean, that's something I tell myself constantly, but thanks. And then the one thing you focus on is that he's working on his birthday. I mean, he's a cool guy. He is.

We love Colton. Yeah. Like everyone I work with. Or else he probably wouldn't be working here. Not enough to not have his birthday off, but. If he wanted to, he could have asked me. What is wrong with you? I don't track all.

When we get to 100 employees, do you expect me to know every single person's birthday? Yeah, that would be nice. Well, actually, I don't really give a fuck about birthday. So even if I have five employees, I want to know. But that's just me. I don't care about birthdays. I never have.

Maybe it's because I, you know, I'm on Valentine's Day, so I just never really care about my own. Yeah, it's a bad day for, for, yeah, that one's less important. But, yeah. I guess. I guess you don't care about moms. No, it's less conflicting with other things. What? Because you don't have a love life?

Well, I do. I have a girlfriend right now, but, you know, it's like Valentine's Day. It's like you don't really go out and celebrate on Valentine's Day because everyone's coupled up and doing Valentine's Day. I mean, everybody wants to be celebrating their mothers. Okay, it's not a competition. Oh my gosh. Okay. Well, everything with you has to be a fight. Yeah, we go back to finances. Okay. Dude, I fucking, I tried to. The thing is, and I was talking about how much you spent more and came And that's what I was trying to talk about for a second.

Well, let's get back to it. You're the host? I mean, I'm waiting for you to talk about finances. We've yet to get there. We've talked about finances. We haven't talked about a specific document, but we've talked about your mindset around finances. We've talked about you spending more than you make.

We talked about getting a credit card for emergencies. We talked about emergency funds. If you're suggesting we haven't talked about finances, you're a dumb who hasn't been involved in this conversation yet. Obviously not. I'm just really trying to understand exactly what I should be doing. I understand that I understand that I, am spending much more than what I am earning.

In reality, this show could be 10 minutes if we really wanted it to be. Here's the thing. Budget, don't spend more than you make, pay off your desk, small, so large, you'll be fine. Go on. Cool. That's the reality. Now, we'll go through your statements and see what you actually do, and I will give my open and honest thoughts about it.

I don't care if you're offended. I never said I was, but. Yeah, but look at you. Look how you come in. You were immediately offended about something that isn't even reality, thinking that is that coming from being offended? Yeah, you came in here. I just really don't think you are an understanding person, but, you know.

But you're not able to say what I don't understand. Thank you very much for explaining to me. Thank you very much for explaining to me about your lifestyle and stuff like that. Are you able to say what I do not understand? I don't think you understand having to then provide for multiple people in your family. Of course, I know you understand having an employer and stuff like that, but that's totally different. Or employees, sorry. Yeah, it's different than having to pay rent for two people instead of one.

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Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. You pay for rent for you and mom. Mortgage, but yes. Mortgage. Okay, who's on the mortgage? You or her? Me.

Okay, so you have to pay a mortgage that you chose to take out and then she moved in. That's a little different. She also gets government assistance, by the way. If she chooses to spend on bullshit and you choose to enable that, that is on you. I hate this argument. Just because someone hasn't done a very specific thing, they have no knowledge of the world around them, that makes no sense. That makes no fucking sense. I've never lived in Siberia.

I know it's cold. I know I would want a jacket if I lived there. and I would tell someone they're dumb for not wearing a jacket. I think. So you're never able to be informed on anything you've never personally experienced. That is the dumbest take that humans have constantly because humans get so offended by everything. I guess we'll take it back towards it's not an understanding but more of empathy. Just kind of, yes, you do understand in a similar lifestyle, but taking that empathy.

I actually completely, completely disagree. People might wash this and see that because I'm abrasive and everything like that. I don't have empathy. Here's the reality. I want you to get out of debt and be able to afford your mortgage so you and your mom don't end up on the street. I would say that is extreme empathy because I don't come at it and crying and baby you and pat you on the back and say, oh, everything you're doing it's okay when it objectively is not. Is all of a sudden not empathy?

No, I want you to have a better life. I want your mother to have a better life. Your grandma to have a better life. and I want you guys to get to a better position. Okay. And that is requiring sacrifices, and that actually leads to a reality that is better. And I believe that requires higher empathy,

even though it's not a empathy jerk off. It doesn't really matter. But either way, if you're freaking out whether or not you can pay your mortgage and I sit here and pat on you on your back, that is not helping you. That is not helping you. So I don't care if it's abrasive and not seen as empathetic. I want you to live a better life,

and I can get you to a place where you live a better life. Like the vast majority of guests who come on the show, median $10,000 paid off of bad debt in 10 months. That's good. I hope I can get there. I hope you can too. But now with the mindset you have, where everyone else around you is an enemy,

and only you are a poor little victim in this world. So shut the fuck. I mean, I never said I was a poor little victim. You're the one that started off with that. No, no, it's not you. You do. Oh my gosh. You're being actually a moron because this is what is happening.

Just like you're essentially suggesting that no one's able to be educated or understand anything unless they've been directly involved, you're also saying that unless, Unless someone says Shut the fuck up. I'm also saying you are equally as dumb in that human perspective of unless someone says an exact word like it's George Lucas

writing someone's emotions directly on them in the prequels where they have to say what they're feeling. I know how you are acting and the words you're using and the emotions you're using that you come from a place of victimhood. Okay? I know that based on you. You don't have to say it. You don't have to say, well,

from my point of view, the Jedi are evil. I know that. You don't have to say it, okay? You can say it through the rest of your fucking dialogue and emotions, okay? Yeah. My goodness, just your entire, oh, worldviews just so immature

on how you, everything is just the cover of a book to you. It's so stupid. Where do you think you are in the world of finances? Zero out of ten. Zero being the worst, ten being the best. Well, at first I thought I was like a five. I don't think I'm that really bad. Are you ever worried about paying your mortgage?

I was. Okay, you're probably not a five. Go on. Where do you think you are today? Definitely like a two, maybe two or three. Okay. If you want your financial score, go to Caleb Pembert.com. It is free.

All you have to do is go. Take the assessment. I'll tell you where you are in the world of finances. And don't forget, if you don't own my, I'm doing a plug. What do you want to say? Okay, I'm sorry. Continue. And if you don't want to end.

I was just going to say that I did take the score and it was a zero. I don't know if I did it correctly. like it was kind of worded a little weird on the question, so. Or you just can't read. I mean, I didn't get two degrees. I didn't trust me. Look, and a degree means nothing based on the people I've met on this show. Obviously, I know that because I work at a nonprofit, so.

Huh? I do know that because I work at a nonprofit where I don't get money for my degrees. Oh, good. Oh, ladies and gentlemen, she's in the brain. If you don't want to end up in the brain like her, make sure you have download our dollar-wise budgeting app. Take your free trial today. And if you sign up for the annual version,

I'll send you our budget-friendly cookbook, signed by me mailed directly to you. It can't be purchased anywhere else. And remember, you can also get all of our classes for 80% off. And the budgeting app premium version. If you sign up for Dollar-Wise Central, it is the one-stop shop for all finances. It is incredible.

It is incredible. And you do get that for free, even though I actually don't want to give it to you because you came in here being a just absolute creature. I mean, that's fine. I guess I could just utilize other things. I'm going to give it to you, I said. I just kind of don't want to in this moment.

That's fine then. Discover it. Why are you on this show, dude? I'm so confused. I mean, you're the one that agreed for me to be on. Me personally? I don't know who the fuck is coming on this show. I have a team.

Remember when we talked about the team? You think I'm directly involved in everything? No, I delegate. But they obviously have a certain... I'm asking why you are... Answer a question. I applied. Why did you apply?

Why? You actual animal. Because it was... Are you incapable of answering a question? Why are you here? I was answering it. I was. Maybe if you stop yelling for a second, maybe I can't answer it. Please go.

Answer. Try. Try. For finances. You're here for finances. To learn about how I can budget. Then why are you coming out of fucking fighting? It makes no sense.

It makes no sense. you're a horrible creature. Discover it. $7,511.77. You say you're in credit card debt all because of emergencies. Maybe that is correct. Maybe it is not. I actually do not know. Again, I come and blend with with the audience. The team puts together your finances. Okay. It's a little journey. We go on it together. You got it. Yeah. Well, why are you purchasing $430,0.28 when you can't even fully pay off your card in it and is a growing $153.992 cents of interest? It if it is a it's accruing that much and you cannot fully pay it off and it takes how long to pay off minimum

payments only without any purchases which you're incapable of how long does it take the pay off i don't know i don't look of course not what you're like yeah yeah yeah 31 years you're going to be approaching retirement i mean i do pay a little bit more than minimum doesn't matter because you purchase way more than you put towards it that absolutely counteract it in every way whatsoever so again i will ask this question why the are you possibly purchasing on a car that you cannot fully pay off that is a Korean interest that gets you to your retirement age by the time this is even paid off with minimums only. I mean, this is just like essentially my survival card,

really what I pay a lot of... So this is emergencies like you suggested before. Yeah, and I do like... I utilize this one for like hacks as well too because if you say it's for food and stuff like that, I use it a lot for like with my grandma, she gives me her debit card to pay her groceries. I'll say, oh, I casually forgot her card,

use my Discover card to then get cash from her and put that in my debit card. You cash advance from this to put... No, like I use my credit card instead of her debit card to then get cash from her. Okay, I'm being told about a critical emergency you put on this credit card recently. Taking your boyfriend to Hawaii. I mean... Guys, ladies and gentlemen, she's a victim. We can't relate.

You're right. That's my first time outside of Texas. I don't get a fuck. You chose an expensive thing. You could have gone to damn Arkansas. Well, he had a school conference to go to. Okay. You did not have to go.

I'm not going to cry about you not being able to pay your mortgage if you're choosing to fly to Hawaii. I mean, I did want to go. I mean, I still was working while I was there. It doesn't matter. It still costs you money. How do you not understand this? I am so confused. I mean, I was in an internship at that time.

So I was still getting my internship hours. So I did pretty much essentially finish my internship while going to work. and say, I cannot relate to you and you struggle to pay your mortgage if you're paying to go to Hawaii out of all the 50 states. I mean, a fun trip while also working and doing a trip. I hope you get kicked out and I hope you get foreclosed on it. It's your fault. Thanks.

It is your fault. It is your choice now. If you were sacrificing and you were grinding day and day out and you were cutting all your fun and you were still struggling to survive, that's where I would come in. I would hold your hand and I would cry with you because that sucks. However, you're just choosing to go to Hawaii. off. You're not struggling. You're not in a position of struggle. You are not a victim in this world. You are self-inflicting pain upon yourself. I want to hear nothing from you ever. And you're right. I actually can't relate with that because I never went on a dumb application that I couldn't afford. Because I wasn't a moron. I mean, I still was working and I still got my internship hours. How much you just spent on this trip? Like $1,500 we split it in half. $150 that you cannot afford. You can.

could have still been working doing your internship from home without spending $750. So it doesn't matter if you're still working. It doesn't matter. I mean, everybody deserves a vacation after a while. This is my very first time ever being on a vacation. What do you think humanity is? I'm so confused. We are barely born just fighting and survival in this world.

A few hundred years ago, you would have been on a field. Treat myself. I've been working hard constantly. I want you to go on vacation. I celebrate vacation. I hope you do. You do not deserve it or entitled. to it.

From working hard constantly? At that point, I was doing my internship and two jobs. I was doing two full-time jobs and internships. Congratulations. You're entitled to the paycheck that you got from it. What you choose to do with it. What you choose to do with the paychecks that you receive is up to you and not an entitlement. I don't give a...

I don't think it's entitlement whenever I feel like I just can have some time to fund. And you're struggling to pay your mortgage. I think that is you feeling like you're entitled and wanting to live like everyone else when you simply cannot afford to. And it is not something that you are all of a sudden stowed upon in this world when you are born saying, oh, you get to one Hawaii, you get one Florida, you get one this. That is not assigned a birth. You are not entitled to art.

You are not deserving of it. I hope you get to do it. But you make the sacrifices in order to do it. Yeah, but I feel like I've been constantly doing sacrifices. I think am I going to just keep on doing those sacrifices and not to have someone? No, apparently you keep on doing the moronic bull. because I'm also being told there's another trip on the horizon.

Similar mindset, I guess. It was another conference. That's hilarious. Yeah. What a joke. You're going to fucking cry when you're 59 and a half or 65 and you didn't put any money aside for retirement.

You're going to be like, why are other people paying taxes so I can retire because you chose to go on vacations now instead of actually sacrifice like the rest of us. Fuck you. You entitled brat. I mean, at this time in this government, I don't think I could retire at 59 or 60.

You could if you saved and didn't spoil yourself constantly. 100% you could. Compound interest is on your time. Time is on your side. Then you can. You are choosing the fun. You're choosing the now. And then you're going to come crying and say the rest of us have to take care of you when you did not prepare for retirement.

I mean, I'm definitely not going to say that. Yes, you will. Everyone does. Everyone fucking does. Because the moment you become old and you're working in a Walmart, it becomes, I'm sad and we all empathize with it. And it's like, oh no, where if we look 30 years back, we saw that you were just

choosing to fuck around in life and you didn't save for retirement, well, the rest of us actually sacrificed our wants for our retirement. And then we have to give more for you. I think you're definitely going to hate that I am planning a trip to Chicago as well. That's be real. Some

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M-E-E-T-Fabric.com slash Caleb. Thanks to the fabric. Let's get back to the episode. In September. The Southsiders would love you. Let me tell you. I mean, I grew up on the south side too, so. In Chicago?

Oh, no. It's not the south side of San Antonio, but... 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.

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foster care. I know why you work. What's your job? Foster care. Yeah, social work. It is paying not in the nonprofit space, but it is paying better than it has historically. Historically, it's been a pretty bad return investment for degree, but it is better these days. Why don't you go and work, you know, for the state, essentially? I did work for the state. And why don't we go back to that? Because it's a very toxic mindset. It's very negative stigmatized.

By who? By everybody. Who's going to you and being like you're a fucking evil person for being a social worker? Every person that I would have to meet. The people that were assigned to you? Is that what you're saying? Yeah. Okay.

And you definitely, I think I'm just too much of a nice person to work for the state because there's very much that stern mindset. Or if you're a nice person, you would sacrifice on behalf of others. I mean, I guess that's kind of what I do still. You're doing a little bit of an income sacrifice, but not a sacrifice of not enjoying your job as much. I get it. Social workers definitely go through a lot. You get put in situations that kind of suck.

I definitely kind of empathizes. And social work isn't just working for the state as well, too. There is many different avenues. But I'm saying you could be making more money than you are now and that can help you get out of down. However with you, you would only spend more money. Yeah. I eventually have to get there, but like, I do have to spend more money to then make that money. Okay.

You're spending money on Hawaii and Chicago in $500 in a month going out to each. Shut the fuck up. I mean, I do want to really walk the stage and, you know, show that I have graduated. Just for my... In what? I got my master's in social work. So that's my... You already have it.

So what the fuck are you talking about? The commencement ceremony is in September in Chicago. Okay. I'm not horribly opposed to that. Chicago's so much cheaper than Hawaii. Actually, it's going to be around the same amount. I bet when you were spending money in Hawaii, I guarantee it was more expensive. No, because like I, it was like around 1,300 for a week resort in Hawaii.

If I want to, I guess I'm not paying for all of it, but my boyfriend, mom and I, it would be roughly like 1,500 for a trip in Chicago. Who's mom, your mom? My mom. I would hope so. She's on disability. Yes. We're funding this? Yeah, she wants to see me off the stage.

So you went to school in Chicago? It was online. Do you have to do this? Is this really a necessity for life? Yes. I'm just saying, like, because of the life you chose to live, now it is harder for you to be able to afford to do that. And that is kind of the consequences of your own actions.

Right. So it's kind of hard for me to care. But I definitely want to. You need to give things up and actually start taking care of your life. I mean, I purchased my cap and gown. I already put in the $50 graduation fee. So might as well go through it. For what school?

For Chamberlain University? It's actually a really great school. Maybe. I don't know. It doesn't really. matter regardless. Yeah. I mean, they are stationed in Chicago,

so that's why they have their graduation in Chicago. Yes, I assumed as much. You know, that's such an irrelevant point. Okay, so let's see. $430 a purchase is $28 for all emergencies, so she says. Let's see. Danny's Texas Roadhouse.

Critical emergencies. That was going out to eat with friends. Also known as an emergency. I mean, if I do want to spend time with my friends. Want? Yeah. Want? Okay.

Well, sometimes I feel like I need to have some breaks. Breaks, yes. Breaks do not require going to some denies, though. I mean, if my friends want to go out, I'm definitely going to go with them. Want. Yeah. Want. You do not need to go out.

I don't. I'll fuck me up some Denny's. Don't get me wrong. I can tell. Yeah. Okay, you're fat of me. Yeah. Yeah.

Well, it's either spending $500 on. OZempic, so do you want me to do that? You can just diet like I am, I'm down like 16 pounds. I'm diagnosed with PCOS and a binge eating disorder, so. Okay. Seriously, you can't diet? I mean, it's very hard to lose weight. Hard?

Yes. It's hard for everyone to lose weight. Yeah, and I'm not saying that it isn't, but it is still hard to lose weight. Okay, so die a fucking 45. Like, if that's what we're going to say, if the push, Back is sacrifice some of your wants so you don't go in debt. No, I want to do this. Then go do it.

If you sacrifice and do work a little harder because of your diagnoses to diet and do a little harder than other people would have to do to live a little longer. Oh, but I can't. It's hard. Okay, then go die of 45 with heart disease. I mean, that's your choice. I'm not going to fight you on that. That's just like my mindset.

I'm a provider. Yeah, endless victim. And this victim, I can't, it's hard. I like to pay for my friends sometimes. That's fine. I mean, I'm not going to expect them to pay me back by any means. Stop paying for your friends. It's as easy as that.

I mean, you just can't. And I love them rolls Texas Roadhouse, fuck me up, you know. It's mainly the butter. Can we talk about that butter? Yes. The butter. Oh, my goodness. That butter.

Yeah, that butter. Yeah. But also the little, what is it, the onion blossom, getting some steak. Okay. Listen, you just can't afford the shit. And you trying to set this up as being emergencies is a lie. It's a lie. And it's you trying to immediately deflect what is being spent on here.

And everything you do is a fucking joke. And then you try to come in here and be like, I can't. It's hard. Shut the fuck up. You're just, you're being a baby. You're being a child. You are a financial child. It doesn't make sense.

I mean, I guess that's perfect for the show then. Perfect for the show? Yeah, maybe. I need to grow up. that's why I'm here. Oh my gosh. Is she just rinsing and repeating catchphrases? I don't get it.

Listen, I'll get you, I'll get you access to the Fizz cards, the debit card that builds cards, so you can just close these? I mean, I definitely don't want to close my discoverer. Yeah. Why would you want her to close something you can't manage whatsoever?

That would really impact my credit score too. That's my oldest credit card. I have a credit limit of like $17,000. You have a mortgage. What are you trying to have good credit for? I mean, definitely hope to one, sell this house and then get a new, a better house. When? What?

You're afraid of not being able to pay your mortgages because you're uncontrolled with your spending. You can't control it worth anything. I mean, it's just. All right. I'll gift you also a course career as accounting degree. So you can do accounting for your own accounting certification. So you account for your own money. Okay.

Great. Take, dude. You think you can get a more expensive house? Definitely not a more expensive. you think you can be in? Better house usually equals more expensive house, especially with where interest rates are compared to where you likely got this.

Yeah. Well, I mean, I guess this house was very much like an impulse buy. I just needed a house. Impulse by a house. You could have rented a house. I was renting. So you did not need a house.

It was just much more expensive. Ironically enough, it was much more expensive to rent than to own. But you did not need. And now you're afraid of not paying your mortgage. And that is not how houses work. even if your payment is a little less. If a repair happens, roof, AC, heat, water, that's all on you.

Exactly. So, no, it is not always more expensive, even if it is literally on paper. I do also need to pee. Fix my electricity. No, fix my electricity. You need to fix your electricity? What does that even mean? Have you not paid your bill?

What are you saying? I know there's some electrical problems in my house because I definitely did run to build. I have no idea. I just don't want to afford an electrician. You don't want to be able to afford an electrician. Great. Okay. Oh.

So I guess maybe put that in the budget to afford an electrician. And your mom struggles. She can live there well. Nice and easy. She has room with tort arthritis, so she has to go up the stairs. That's why it was an impulse by. Is there not a bedroom on the main? No.

Why did you get a house like that for you and your mom if she has to go up the stairs? I didn't think about it. Really, it was just kind of like, I thought about, yeah, I know. I thought about needing a house for us and then the next day. What the fuck? You bought your mom's cremation plan on that last credit card? Yes. Well, she's alive?

Yeah, it's much more affordable now to get it. So, I mean, she's had, you know, near-death experiences and stuff like that. So might as well plan ahead. It's spending that you can't afford as simple as that. We never know what's going to happen. No, we don't, but I know you can't afford it right now. That's why I was on a credit card. Well, that makes no sense.

Because I couldn't afford it. That makes your minimum monthly payment higher. Well, yeah. Makes it harder to afford for you. I get that. Oh, my fuck. Oh, my fuck. She's so broken.

Amazon. See, I got my Amazon card. I thought you would like to have a backstory. I got it because of Prime Day. If you sign up for an Amazon card, you would get a $200 gift card. So I got the credit card and I did not spend the total amount of $200. Well, thank you for making my Amazon stock go higher. $3,355.

It is owed on here with a minimum monthly payment of $101. $14 years to pay off if you don't purchase. Oh, guess what we purchased. $250? Well, $67. sense of interest accrued. Please tell me, were these emergencies? What will I find on the other side?

Because I literally do not know. A lot of it was really just gifts for people. Gift your mom, you being able to pay the mortgage so you guys don't get evicted. What is wrong with you? I mean, gifts for other people, too. And then also back to like my head grandma hack. Well, she doesn't understand what I'm saying ever. There was a few gifts on there that my grandma paid for me to get.

So I was like, yeah, let me use my credit card. You have to take care of. All these people that you have to take care of or get assistance of others or all of a sudden going and blowing money on all this bullshit. Great. I love the system we live in. Yeah. I mean, I didn't make it, of course.

But I mean, she- You enable it, of course. How? You allow your mom to live with you and you subsidize her lifestyle, even though she spends all her money on bullshit that we give her. I mean, not really. She has a lot of debt. You told me she has a lot of debt.

And I know it's based on bullshit. I mean, I don't really know about her finances that much. Great. So should you be supporting her if you're not willing to vet her finances? Because who knows what's you're supporting? She's my mother. I'm not going to let her out.

She's your mother. You love her. Loving your mother and loving a kid, loving a sibling, mean sometimes having tough conversations and making sure you're setting their mouth for success. How old is she? She's 65.

Okay. Paul at your Amazon. Oh, no. Let's look for it. See, at least I don't have it on the home screen. but have fun. That's a fucking Android. I don't know how to start a screen recording on here, do you?

Oh my gosh, yes. Do you need a screen recording? Yes. All right. Random surprise gifts for your boyfriend. Yes, this boyfriend thing. And you guys do not live together. No.

Only have you guys been together? Five years. Okay. Are you guys going to move in together? Eventually, I mean, he's also... Because here's the thing with you crying about having to you supporting other people, you'd typically be in a dual household income situation five years in. I mean, he definitely has to take care of others as well, too.

He has a family he cares for as well. Yeah, but you guys can take care of them without living with them. It's kind of hard for him to take care of his family without being there. We'll see. I don't even know if I believe that. Honestly, with the way that you set up the world, I don't know. Waterproof phone case pouch. Great.

Looks like we're going paddleboarding. Well, I wanted to go to six flags for like the past three weeks. What the fuck is wrong with you? Why is that more important? I don't understand. You're broken. You're broken 90-day supply of in sit-all powder. Okay, now that's definitely a plus.

That's to help with my PCOS. So it blocks craving. I'm good with it. I'm good with it. It's not working. I just started. Do you not see the date that I purchased it. I just started it.

Okay, you just started. Silkords men swim trunk. So gift, we definitely don't need to be doing that. Good thing there's a return started for these shoes because you'd sure. Certainly shouldn't be getting that. And they're just kind of sit in my car. Unbelievable birthday card. Nope.

So I got that. Bonnie birthday card for women. Nope. Those were just, those were just gifts that I got reimbursed from work. 22 inches summer wreaths, nope. Grow lights,

nope. Shouldn't we have plants? We can't even afford to pay the own mortgage to where the plants live. Well, the plan was a birthday yet. Shut the fuck up. Salopaz, pain relieving patch.

Yes, that one is okay. Acne, foam. Okay, that is fine. a long life miniature bulb. Yeah, yeah, yeah, that's fine. I think a lot of those are just gifts. You know, hit or miss. That's a gift.

And a walla, definitely not. A gift. I don't care. That doesn't mean it's necessary. I'm a gift. I don't care. You're gifting yourself, getting yourself out of death so you can give more gifts. I just love to show appreciation to my friends.

Hey, gift the taxpayers, you saving for retirement so we don't have to take care of you. I do. You just started. You just started contributing to your 401K. I mean, it's only 6% that is not going to get you there. That's definitely a lot of money, though. It should be minimum 20% though. Yeah, I can't live off for that.

Yeah, because you blow all your money on gifts and food and you get yourself in debt for gifts and food. I guess if you get rid of that. Because you want to go to six legs because you want to go to Chicago to walk across the stage for an online school. Because you wanted to go to Hawaii where people can't even afford to go usually. And you think I'm going to get canceled for this episode, guess what? All the white women out here hearing you as a white woman saying you're going to Hawaii, Oh, they're going to murder you. They're going to report you to do your workplace.

Okay. No one gets more offended about people going to Hawaii than white women that have never been to Hawaii. Valid, but also, I mean, I just really just, I, that's really what I do for it. It's a gift. Nope. You don't have to say it's a gift. If it's a gift or not a gift, it is equally unnecessary and you don't need to do it. I mean, just because you think it's unnecessary, it feels necessary to me.

Feels, I don't care about feelings. Feels me nothing. Nothing is nothing. But you were just talking about being empathetic. That's a feeling. Yeah, I don't care about your feeling of being. a dumb ass though. It's not being a dumb. You can't afford. If I want to have gifts for my friends. You just

complained about how you cannot afford the adequate amount necessary for retirement. You cannot get gifts. I think it's always important. Okay, first of all, definitely not necessarily because, ew. Women's short sleeve nightgown, maybe, I'm sure you had other clothes. Birthday gifts for women. Nope. International gift gift gift. Nope. Cool wind, candles, suns scratches. Nope. Mousspad. Nope. Return complete. Okay. Shower drain for hair. Sure. I'll accept that. Pray everything.

wooden sign. Nope. I don't care. You don't have to say that means nothing. Why do you still think that means nothing? It means nothing to you, but it means something to me. Okay, because you're stupid and incapable of making any sacrifices in order to better your life and set yourself up for success. You can care for your friends without endlessly getting them gifts, I promise. What a joke. What an absolute joke of a life for living. Okay, it was that bad. Okay, it was that bad. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. going into debt for gifts, paying 23.49% interest on gifts.

You're gifting again, my stock price. Thank you. And trust me, I really got to get those stocks going as high as possible because I'm going to need a lot more money because in order to live the lifestyle, I want to live after they take the taxes necessary to fund your retirement because you decided to live like a child is going to be substantial. Okay, that's fine. I mean, you're just kind of going back to that time where you just feel like you're out

of touch with the everyday person. I mean, it's just. You can retire. I know. Definitely I can retire, but saying that I just can't do and purchase things for gifts. I'm not saying you can't. You are choosing that over retirement. And everyday person is going to purchase gifts for people.

And everyday person can be an adult and sacrifice. Not everybody. You're saying not everybody can be an adult. Well, of course they're going to be an adult, but not everybody can just have that money afforded to them where they can just use their debit card constantly. If I'm going to use my Amazon credit card. If the gift is not a requirement for the existence of survival. If that was being spent on literal groceries, $250, which you can do at H.E.B.,

I will give you the meal plan after this show. It can literally be done, but we give $300 for it. Congratulations. You can make that work. If you did that and did that only on credit cards because you cannot afford to survive, that is where I would say, okay, how can we fix this? But you do not need a gift to survive. Do not bring that up again.

It makes you look like a moron. I'm not saying it's a gift to survive. It's just something that feels important to me. Feels. Feels. Feels important. You did not say is important because you know it is not. You know it is literally just a feeling.

So shut the. Do you not like providing to others? I do. I can afford it. I put it in a budget and I make sure I sacrifice in order to make sure I'm able to live without leaning on other people. But you will be leaning on other people throughout the rest of your life before I allocate money to giving to others. really living off of other people. You will be because you are not sacrificing now for the later.

Have you not heard this conversation so far? We're an hour and five minutes in. Have you not heard about our government? I don't think I am going to be living off of other people. What do you think Social Security is? The only Social Security that goes out is immediately what is paid in. Huh? It's definitely getting cuts constantly.

So I guess good. Cutts. Retirement age is being extended in order to make it continue to go out. Social security isn't, what do you think Social Security is? It is its own separate tax. It is money that is immediately taken out and then given. It doesn't sit there and even accrue anything because we f*** that up in the 90s hardcore. What do you think that is?

I just, you don't even know what Social Security is. They're going to continue to cut off. Are they cutting the Social Security tax that I'm not aware of? No. Please. Oh, okay. Then what? No.

I mean, the funding that's going to be given to people that are in need of it. What do you think Social Security is? It is paid through a separate tax. attacks. Okay. I just didn't know that, but... Great. I love when we, again, speak on things that we literally know nothing about. Why have an opinion on something you know nothing of? You can have an opinion regardless. So, I really appreciate you educating me on it. I mean, that's great. So you want to be unformed grade. I obviously thanked you for educating me. How is that made you want to be? You said

you can have an opinion on things. You can have an opinion, but I'm glad that you educated me on it. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Let's face it, content creation is brutal. You mess up one line and suddenly on Take 12. Your camera battery's dead and your cat just threw up off screen. But now there's a tool that flips the whole process.

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the last scene. In video also lets you choose from a lineup of AI actors and get this. You can even upload your product and the actual rule interact with it in the video. So if you're trying to make videos without becoming your own full-time film crew, go to the link in my description, check out InVideo AI today and create your own free avatar. Let's get back to the episode. City Diamond preferred card. Yes. What's going on with this? I got that one really kind of just for funsies, just to apply, and then I got a credit limit. I really wanted to just kind of... Yeah, because I was using my credit card utilization.

It was like around 40% that I was using. And it suggested getting a credit card to lessen that utilization. And it did. Funzies. No one says getting a credit card for funzies. I'm going to murder you well before you even get the chance to get murdered in Chicago. And I love Chicago, by the way. I mean, I think a lot of people would say that.

Would say what? Funzies? That they're, you know, getting a credit card just to get one. Just to get, I don't know. Well, it did increase my credit score. Yes, yes. But a credit score is literally just

indication of whether or not they can make money off of you. It is a game. You are telling them they can make money so they're like, yippie. Yeah, that makes sense. You know, $2,676. $42 and maybe I need to what?

What the fuck were you possibly going to say? I don't think I was going to say, maybe. you kind of already caught me off. I kind of forgot. We're in of a goldfish. Okay. $81.45 cent minimum monthly payment. $54 of interest accruing.

Thank, fuck, not purchasing on here. Thank you. Oh, I mean. A trip to Minneapolis on here out of all places. Wonderful. What are we doing? You're traveling every second of your life and you're complaining that you can't afford life

and no one can relate to it. No, you're just blowing everything. Not every second of my life. these were the first two trips I've ever taken. Yeah, but now you're doing it like crazy. Well, you're still complaining that you have to take care of others and no one can relate to it. Shut the fuck up. I mean, just because I want to explore a little bit, that's...

What? I want to explore. What? I want to explore. Exactly. So I'm not going to have empathy if you can't pay your bills because you are choosing to go on trips everywhere, including, again, out of all places, Minneapolis. It was a school conference. That wasn't reimbursed.

Why were you going to a school conference? My boyfriend at a school conference Your boyfriend, okay Did you pay for your boyfriend? It was both of our birthdays, so So it wasn't for conferences For your birthday, you dumb, you absolutely It's around the same time

So you're saying yes, you paid for his trip Yes We were flying on his birthday, so No, the absolute creature The absolute creature Oh The only reason you're able to still be employed Because the nonprofit was set up

As a nonprofit to employ people Oh, shit. Oh, is that its true purpose? Is that its true purpose? Is that his true purpose? Am I donating to this nonprofit to just employ you? And it's a fucking like make a wish employment. Oh my gosh, because no way an employer would keep someone around you.

I think I'm pretty loved at my job. Yeah, they're making you feel loved because it's a make-a-wish job. Oh, fuck. I mean, it's supporting other people and I like to support people. How? You can't even support yourself. And what world are you the person to take advice from? I would gladly support others over me, which I know.

But if you're incapable of even being able to advocate for yourself and do your own life right, who the fuck is going to listen to you? Who are you to be an authority? No one's meant to listen to me. Who are you supporting? I'm supporting my friends. I'm supporting people that have experienced foster care. 12 years to pay off.

Were you in foster care? I was not. How could you speak on? foster care. You can't relate to them. You weren't specifically there. I never said that. That is exactly what your worldview was for me. So shut the fuck off. Because at least I was in situations similar to years. You were never in foster care. So shut the fuck up. But I'm in the social work field. So I mean, I'm supporting. Like I said, I'm supporting. I like to support other people. I also like to support animals. So poor people getting out of death. So maybe I can speak on

debt. I mean, add it on to it, I guess. I do have, you know, plenty of cats as well, too, that I support. Cats? Yeah. I did originally want to be a veterinarian, and then I just took the route of just having pets. What does that have to do with... I mean, that's going on to me supporting others.

I have two dogs. I'm not crying about it, you fucking dumb tit. I'm not crying about it. Without the actual act of tears coming down your face, yes, you are. Okay. Granted. Interest charging like crazy. You're a creature.

You're a creature. Via your actions. I mean, supporting people was a creature? Yes, going to Minneapolis, Hawaii and Chicago, and you can't even afford to survive and take care of those others and saying, I mean, I am tearing for those others. And saying you can't afford it and you're a victim in this world because of it. Yeah, you choose to travel three times.

Shut the fuck up. Shut up. I mean, not entitled to anything. I do hear Minneapolis is nice for what it's worth though. It was nice. It is a decently walkable city and one out. It is very. You're just used to San Antonio, which is like the cheapest major city.

because it's San Antonio closer years. Kind of a... Oh, very much. Love the Riverwalk and the Pearl District. Oh, the Pearl is very nice. I actually went there for the first time last week.

Who was in San Antonio? I don't know. Puffy tacos. Quicksilver. What's going on with this card? You saying Quilk Silver, I kind of had no idea that was called Quicksilver. It used to be on my Walmart credit card. And then I still kind of

just use it for Walmart. Capital One kind of paid out, bought it out, I guess. And I still have it. Okay, so you just endlessly go to Walmart? Walmart's down the road for me. So, yes. I doubt all you're getting there is groceries. I mean, there's definitely going to be some other ones in there. I just kind of don't know. Uh-huh, which is then hard to qualify as we go through these Walmarts. What is groceries and what is not? I don't know. Even within a single purchase. Yeah, I just mainly use it for Walmart, but I mean, if I go through my wallet, I just say, oh, I haven't used this one in a while. I don't use that one. Why is that your mentality?

I mean, because it's there, I guess. Ha! It's there? I haven't used this one in a while. I feel bad for it. It's feelings are hurt, so let me swipe it. Like, your logic on all these things are so weird. if it's for the fact of trying to prevent it from being closed,

which takes a while, then we're having a different conversation, but you didn't say that. $62 is your minimum monthly payment, $43 of interest is accruing, takes 11 years to pay off balance of $1,941. $65. What trip did we take on this one?

None? Thanks. I hope not. I don't, like I said, I don't really, I don't acknowledge the same. Don't acknowledge what? The statements. I just look at the minimum.

So how can you possibly ever fix your finances if you're not willing to look at the statements? I mean, I look at the minimum payment. But it's more than that, though. You need to know what you're spending on certain things. And that is why I require you before you leave this fucking building to get set up on the premium version of the dollar-wise budgeting app because it'll tell you exactly where your purchases are going in each category.

Well, I guess with that one, I mean, it is groceries, cat food. Yeah, but we know. if it is Walmart that you are spending more than just groceries and pet items at Walmart. We know for a fact you are. I mean, Caffood is expensive. What? I didn't say, what are you talking about?

I said you're spending more than just that. I mean, I couldn't tell you if I was. Of course not, because you have no ability to look into any self-reflections of your own behavior. You need help. No, I just wish I had a Walmart receipt of yours. I have like the Fetch app. Maybe there's... Do you often use that?

Fetch. Is that? So that's not just for animal? Fetchap is where you just put your receipts in. And I do have like Walmart receipts on there. I'm not familiar with the fetch app. Oh, so it's kind of just like one of those where you... You have seven cats?

I do. Okay, that's disgusting. I'm sorry. As a cat lover, that's disgusting. Okay. I'm a dog lover too, and if I had seven dogs, it would be disgusting. I mean, I have like some garage cats as well, too. That's disgusting.

I mean, I take care of cats. I did have the dogs as well, too. I have Simba, Momo. I do not need to know their names, nor do I care about their names. But they're cute. And then I, even if that, some of my credit cards, I did have to, you know, spend some money on when my dog passing away. So I had to. Yes, of course.

Of which I support if you do not have an emergency phone, which you should. But you don't because you spend money on. No, why. Oh, okay, whatever. And I don't have an emergency fund. You put it on a credit card. Great. Now sacrifice everything in the world in order to pay off that credit card.

That is what you do. That is not what you did. So no, I do not empathic. He had to get an amputated leg as well, too. So that was using a credit card as well. I mean, it was so hard to have an emergency fund. I mean, I had to. You're right.

It is hard if you go to Minneapolis, Chicago, Hawaii, $500 a month. Well, I didn't. I also didn't have like a job, like a full-time job for a while because of my school. Choice. I mean, I wanted to finish school. Choice, though. People go to school and work. Yeah, but I had to work 32 hours unpaid for an internship.

Yeah, it definitely makes it harder. That definitely makes it harder. So that's how I became a provider. And knowing your situation with your family, you like, would have had federal student loans that would have helped cover many of things. I do have student loans. I know, but even that would have helped cover living expenses, and that would have been better than a 30% interest credit card.

Definitely not. I still had to pay out. And then at the beginning of the year, they said that Faso was on a pause, so I had to pay out the rest. So it's roughly like I was almost done. So I think I paid like $2,500 just to then get my degree. taking out any more student loans, right? No.

Good, because it just changed. Unless I just don't want to pay my student loans and then go back to school. Because if you do and go back to school, student loan repayment has changed. They've gotten rid of all the new income-based things, or all the old ones. It's new now. Now there's a standard 10-year payoff or there's a slightly adjusted one for income that takes 10 to 20 years to pay off, if I'm not mistaken. But probably like almost double.

Yes, of which because I've had a lot of people making like $70,000. that have low payment student loans for income. I'm like, what the fuck I'm making $70,000? Does it make sense? Then they spend all their money on bullshit. And then that's what happens. I wish I made $70,000. Yeah, but you spent all your money on bullshit regardless.

And then you're probably like, I don't have no money to pay it for my student loans. Someone help me. No, you're choosing. No things. You're borrowing it from the taxpayer. Pay it. I'm definitely going to pay it.

And also, if you don't pay your student loans, even when you're not in school, they will come and garnish your wages now. Because now they don't care. Garishments are about to stuff. It has been announced with the bill that just signed the other day. It has changed to student loan repayments. Oh, boy, we are going to have.

It is for all future borrowers, but they will come garnish your wages if you do not pay on your student loans. But for future student loans that are taken out, and it's also capped $50,000 a year, from not mistaken, for graduate degrees. Okay. Well, I do have a graduate degree. Which might bring down the price of college because they want their student loans. Okay, what is lending club? That's my consolidation loan that I got.

So whenever I... I think the example, ladies and gentlemen, here it is once more. So I got a consolidation loan because all of my minimum payments were much more than just the minimum payment for the loan. Yes, yes. And I thought it would be easier to pay that one bill whenever I didn't have my full-time job. Yep. And look what happens. If you do not change your behavior before you either go through bankruptcy, before you consolidate, before you do a credit card transfer, this is exactly what happens.

You just build all your debt back up again. Example number 1,568 billion in the history. I've already done it once and it worked out great. Look where you are. So it obviously did not. If where you are today is where you are today, then it did not work. It is as easy as that. I don't give a, I don't give a fuck.

It actually did not work. If where you are today is where you are today, it did not work. Where you are today is where you are today. It did not work. At least I'm still paying them. For now. I mean, you're already pushing yourself to your limit. We'll see when we make a budget at the end, Lending Club.

Okay. So what is your minimum monthly payment on this? 342 or 432. 342. Okay, I'm going to say 3.42. I have it on my calendar for my calculator. $8,732 and $0.20. Sure.

Go ahead and look up that minimum monthly payment. It is 3.42. And all this was is a consolidation. You paid off a previous consolidation loan. Then you fell back into credit card. Then you had to consolidate again. And now you're falling back into credit card debt. There's a repeated cycle.

It does not working. It does not work. What did you say it was? 342. So you just keep doing this over and over again and you're expecting different results, huh? I mean, it was really kind of just a means or survival. I know you don't like me saying that, but I got it even work, though. I know, but I got that one when I didn't have a job.

So it was going to be cheaper to then pay the $3.42 and have a lower minimum payment on my credit cards versus... Did you have your house at the time? Yes, I've had my house since 2020. So I would have just, not that I even advocate for this, but if you're going to go, through all that and it clearly has been worked previously. Let the credit card go on the default. I've never thought about that. Well, I'm not advocating for it, but instead of going through all these things that you have

proven not to work, I mean, just look where we are. At least you wouldn't be able to spend on those credit cards in that case. It may have been more beneficial in the end. I guess I was also just thinking about like a credit score as well, too. I know you were, but you already have your mortgage and I know you want to upgrade your house, which is insane. I don't know what the fuck you're possibly thinking. You're just treating yourself.

You are living that American consumerism life. and then you think you're entitled to it, which is actually kind of crazy. It is crazy. We love to spend in this country. I definitely don't think it's entitled because I haven't. You said you deserve to have fun and get gifts and go on vacation. That is what you literally said. Well, I thought you were referencing that into me getting a better home.

I don't think I'm entitled to get a better home. Oh, finally. For the first time in your life, you don't feel entitled to something. I mean, I will gladly say I feel entitled to have a little bit of fun from how much I've been working. What a joke. What a joke. What a joke. You are in the most privileged position.

of all of human history in terms of the... Oh, definitely. In terms of the resources we have, in terms of the knowledge we have, in terms of the pay that we have, housing is more expensive when compared to pay than it was in, say, the 1950s. But even still, we have way more luxuries.

You certainly have more freedoms and more life to live, that is for sure. We are in the best history of humanity objectively then ever. And you want to say you're entitled to going and having fun. Just a little bit. I'm not going to say,

I'm so done. What is your car? What is your car? No, what is your car? I thought you're talking about payments since you're asking about payments earlier. So it's a 2019 Chevy Tracks. And your payment is 396, 41. 2019 Chevy Chacks.

Okay. And I had to add my old auto loan. Great. So rolled over negative equity. $11,136. $17.72. What do you think it's worth? Not much.

I think maybe like $7,000. It is worth $7,000. It is worth $1,000. 7,000. So you are underwater decently dramatically. Yeah. In terms of percentages, at least. It's probably even less, too, because I got re-rended.

What is the interest rate on this car? 4.5, I think. Well, that's not horrendous, but you got rear-ended? Yes. Just cosmetic damage? I think so. It was like around $2,000 in damages, and I didn't have a job, so I just

use that check to pay my mortgage. That's so fucking. Why did you roll over your last car? It just started breaking on me and I tried so hard to get it fixed. I went on YouTube. I changed the starter, change the battery, spark plugs, fuses, and it ended up being the alternator. Anything about going to the mechanic, okay? It was cheaper to do it myself.

Yeah, but you at least need a diagnosis. Yeah, well, it was definitely the alternator at the end of it. So I just traded it in broken. Rolled over negative equity is actually what happened. I didn't know that at the time. Okay, this home. And by the way, I mean, I mean, yeah, I mean, the mortgage is chunky.

How old's grandma? Grandma is 86. And what's her health condition? No, she definitely needs a provider. Okay, well, that wasn't really an answer. But either way, with her age and apparent health condition, listen, the reality is you might lose this extra $1,000 a month here pretty soon. Mm-hmm.

And that's going to be really difficult because that covers a part of your mortgage situation. I know. It's okay. I love my grandparents, too. It's going to devastate me the day that. you know, sadly, that happens. But, and I'm not advocating for it. I'm just saying that's very impressive

because right now with your income, this is 34%. Yeah. I'm relatively comfortable with that with your net pay. Okay? But without that, all of a sudden we start getting a little concerned here

with the $1,327 month mortgage payment, all of a sudden you lose $1,000. That becomes 46% of your pay. And that becomes incredibly scary, especially when you're incapable of not spending money on fun and bullshit. So, the house itself, interesting. I'm not. So, like, it's 46% of, like, how much I... Will be if you lose the income for taking care of grandma.

What is... What is the interest rate on here? On the house? Yes. Good question. I think it's 4.2. 4.1, 4.4.2. It's definitely...

Okay, that's okay. Not more than 4.5. Okay, that's fine. Balance, $159,673. And 82 cents with a minimum monthly payment of $1,327. $67, no. Huh? It just went up to 67.

1,367? Yeah. Okay. Property taxes. And they're not great in Texas. It doesn't even matter because it's meant to fund our own city, but then the state takes like 40% of the property. Taxes we even pay. It's kind of...

It's insane. That pays for the salaries of others, I guess. It pays for other districts that can't fund their own... Properly. I think that's my district as well, too. So, months. Another example of me supporting you when you can't even...

Budget your own life. That's fine. Yeah. The state of Texas is actually quite socialist when it comes to property taxes. You'd be surprised. Lots of redire. Distribution.

Definitely. It'll probably negatively impact me later on, I guess. I don't know now. I don't know how much it's necessary. That's something that I just not educated on. I think so. Except with like the student loans, I think I have like $45,000 in the student loan.

Pain? No. Why? I'm in a, what is it, the grace period. Oh, yeah. Oh, that's going to start up soon. Yeah. I'm sorry, how much did you say?

45,000? Mm-hmm. Okay, for graduate degree and everything. That's not insanely crazy. I believe it's like $38 to $40,000 is the median borrower for an undergraduate degree. I did go all over the finances things. I guess before the bill was passed, it did say I didn't need a pay. Yeah, different now.

So I just said, nope. Yeah, different now. That's for sure. I did get an email saying that it could be like $300 minimum. Okay, I'll put $300. That's going to start soon. The Grace Fear is going to end. in relatively few months.

Be prepared. That's what I was saying. I was like, maybe I should just go back to school. Yeah, let's go into more debt. Just not pay on debt. That's great. That sounds wonderful. What a smart choice.

All to save $300 a month. Shut the fuck up. All to save $300 a month, by the way, while we're going to Popeyes, Waterburger. IKEA, Akea, Amey Entertainment, Ice House. I mean, like I said. Door to ask you to Waterburger, going and getting some BS, making ready market.

Beepa. Beer Hall. How works? San Antonio. Spotify, Texas Thrift, Texas Thrift. TG. TG. Going and getting some BS a lot because I know that $6 from Walmart was BS. Okay? I know for a fact it was BS and there's a lot of that scattered about here. McDonald's. Uber Eats. Six flags. Fuck off. So stupid. Saving $6.96. Great.

It's actually cheaper to do the monthly membership, you know, as long as it's not raining. Don't go to six flags. It's cheaper to not go to six flags than to go to six flags. Again, I'm privileged, I guess. Not entitled, but I feel. What? Yeah, in history of humanity, yes, but you need to sacrifice. I'm done with you.

I'm so sorry. You just piss me off. 3,800. It's just like nothing is coming, nothing is just going, breaking through with you. I mean, I tried. Good one. Okay. Debt minimum of the payments, not including the mortgage, is $1,456.

And $94. Fun fact, that plus your mortgage, you would not be able to survive if Grandin was not here. That's a reality. I'm going to be $1,367 for your rent and mortgage. Tell me about utilities. Um, it's roughly less than 150. For everything, including the internet? Oh.

Um, internet my mother pays it's like 20 bucks. Um, and then I pay for my, the CPS energy and water. So I guess around 200 total for both. Okay, 200. Gas, room, room, drive, drive. Um, maybe around like 150 at most. Car insurance. Um, that's 108 with both my mother and I.

108? Yes. Car insurance. Phone bill. I have Mitt Mobile, so I just paid the $300 a year. So I guess $15 a month. And we have a supporter that we advocate for called Helium Mobile. Pretty much does the same thing.

I'm good with this as well. Okay. Okay. Necessary food. Do you cover you and your mom? Or does your mom cover herself with the money that she gets? She covers both of us. So she usually pays the groceries as well to you for 400.

KTP, $100. Anything else you need to survive? Jim. Is there a gym? Yes, that was the hot works. How much? That was 58. The eight.

Are you going? Well, I got a kidney stone back last year. Last year. Yeah, and they told me to really kind of settle it down. Okay, $58 for the gym. Pet insurance. Do you have any? No.

These cats that don't even know, man. I mean, I feel like it was very much a scammy thing because... Depends on the pet insurance. Get good insurance. I have good pet insurance. What is it? Because I need to know. I don't even know.

But good head insurance is. They're not paying me, so I'm not going to fucking advocate for them. Tell them to sponsor you later, I guess. No, pet insurance can be good. But I'll cross it off for now. We tried to budget it in. And pet food, how much? I really don't know.

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Yeah, I mean, just simply, you can't survive. You with this makeshift budget where I don't think some things are included. you're basically breaking even at $3,789. It's like, okay. So right now you're not surviving, and that's simple. And the reality is, and that's with no fun money, and I wish I could, but the reality is this job does not pay enough money. You need to go work a social work job that maybe you like a little less. That makes more money.

That is a reality. You need to boost your income. That boost income does not boost lifestyle. You then throw that thousand hours, hopefully extra that you make on a monthly basis, and you throw that towards your debt, and you pay off your debt, not including mortgage and call it three years probably and you could do that and that's pretty fine. You could also go through bankruptcy. No.

Okay. Well, listen, the reality is you just need to go make more money. You need to get a different job in social work and then you need to throw all that money that you are making extra. That's the goal in the future. But I mean, also being a social work, don't care. You need to then pay to get a license as well too. So that's something I do have to pay.

It's 230 just to take the test. Okay, 230 is half of what you spent on fast food this last month, so I don't care. Even if that goes on a credit card, that is a proper investment. So do that. That's if I pass. I would help you pass. I mean, it's very difficult to pass. Great.

You went through the school and so get educated, dude. I don't know. Go make more money and pay off your debt. And that. I mean, not everybody can just like up and quit their job. Up and quit. I'm not saying up and quit. Go get your life.

license and go pursue your career field outside of this nonprofit. That's not going to be now. You said now. You're right. It's not now. You work, go get a third job on Sundays. Great.

Because you can't survive or go through bankruptcy. I do also. Or go through bankruptcy. Definitely not going to go through bankruptcy. Then you have to make more money because right now you do not make even. I mean, I do like side hustles as well too. So I mean, it's not much, but I do like swag bucks. You don't make enough money.

And there's like an independent contract. Any kind of time you are spending on that, you need to go work at a brick and mortar retail if you have to. You need to just go make anything because you are basically breaking even. If you just make a few hundred dollars, at least we're staying afloat. You're only going further in debt. And you certainly aren't going on trips. You're not going on Chicago. If you cannot afford to survive, you are not walking across the stage.

I don't care. You're not doing that. You need to sacrifice for your life. You need to sacrifice for your life. You need to sacrifice for your life. And others, I guess. Guys, come join us in the post show. Remember, in order to join Hammer Elite, it is free for this month.

I'm going to give her her financial score, but just submit that reimbursement, and I pay for your $10. So click that join button, click the link. But spending it in a budget, you ever spend $0.10. Debt, at least there's no collections, but pretty high debt. Most of its mortgage, consolidation, rebuild the credit cards. I'm going to say a two out of ten. Emergency fund, a few hundred dollars in savings.

I'll give you a one out of ten retirement. Probably not much is there. It just started, right? I'll give it a one out of the time because at least he turned it down. Real estate, there is that. I don't know the value of the house. How much did you put down? I didn't put a down payment.

I don't say five out of ten. Because it probably went up in value a little and then a little down in value and then it's probably still a little bit higher in about. I think it's up $40,000. Yeah. I'll give you a five out of ten. But going in without an emergency fund, going in, having to do the repairs, electricity things she needs to fix.

Can't even fix it because she's breaking even. It's like, okay. Well, hopefully that can go on the budget plan. Sure. Certainly again when you make more money. Two out of ten is your hammer financial score. Join Hammer Elite. Come check out all our shows like our new show behind the audit or hammer it out where we accept your calls and we give our advice and everything like that.

Remember, join, submit, proof, purchase, hammerleet.com and I'll send you a digital gift card that can be spent anywhere. And in most countries, join us for the post show. What do you know about her finances? I just know debt. How much debt? If I had to put a number, maybe 10,000? Just her auto loan alone is 11,000. so you guys are going to

Minneapolis, you guys are going to Chicago, you guys are going to Hawaii. She's spending $500 a month going out to each. It is endless, endless, endless, dumb, dumb, dumb. Clusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun.

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