Financial Audit - Someone Finally Snapped On Financial Audit

Episode Date: January 8, 2025

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To watch episodes of Financial Audit a week earlier, check us out on YouTube. If you could not find a food pantry, you would be starving. We don't know that. What's the alternative? Figuring it out. It's not so bad to be homeless. I need to stoop this down to a 15-year-old level. You want to go ahead and baby me because you can't handle your emotions about how I'm responding.

By all means, go ahead. A little... penis! I mean, just saying, I need a break. All of our education is bundled together for 15% off. With a 30-day money-back guarantee, go to Caleb.com slash bundle. the link in the description or pin comment below. Hi, my name is Avery. I'm 30 years old from Colleen, Texas, and this is the financial audit. What do you do for a living in Colleen, Texas?

I'm a nanny. Oh, okay, very cool. Okay, great. And how many hours a week are you working nannying? 20 to 30. All right. Colleen, it's an interesting town in terms of cost of living. It kind of really varies. Military town, you can see low end, but you can also kind of see high end. sometimes the market gets pushed up with like limited supply and a lot of people living there. How are you feeling living in Colleen on 20 to 30 hours a week? What's your hourly pay? $18 an hour. I feel pretty good coming from California to Texas.

I could be doing better. Would you come? September last year. Okay. But if it's 24 hours a week on average, 25 hours a week on average, it's $1,800 a month, it's $1,800 dollars a month, not really what most people would consider. Oh, including an extra 125 a week because I do some extra things around the house. As a nanny, I do like laundry.

So cleaning as well. Oh, that kind of stuff. More like that kind of stuff. Like tidy. Yeah. So an extra 180 a week? An extra 125 a week. So that's 500 a month.

So, $2,300. Well, how do you feel living on that then? because again, we're talking less than $30,000 a year. From my history and where I've come from, I'm okay with it. Obviously, I know the possibilities of what I could be making. So I wouldn't. How are you living? Are you in-house, nanny?

No. So how are you living, though? Because it is... I don't pay rent. How? I live with my boyfriend and he pays rent. Oh, much more sense. Because I wouldn't know how the possible you would be able to.

survive. Yeah, I would have to probably be a living. You guys move here together? I moved here to live in with him. Okay. Yeah. Okay. Things are making much more sense. So that's how you feel okay. Do you have a lot of death though for someone that, you know, self-reportedly feels okay? Yeah, you're right. I do. What hits your... I'm saying I feel okay due to my history of like where I've come from. So like granted, it's not where it should be. Maybe not the best. But I do feel okay. So what hits your account on a monthly basis, income-wise? What hits your account? Definitely.

Give me the average? Was I right? Yeah, 2,500. Oh, 2,500? Yeah. All right. And what are we doing with the 2,500 that comes in? What are we doing?

Paying my bills and then blowing the rest. I'm like, whatever. But you're not paying your bills because we have debt. You're right. Unless you're not considering paying down debt, paying your bills. It's saying that, yeah, I'm not paying down my debt. Why? I'm doing is paying my minimum.

So my bills, I would say, are my minimum monthly payments. That's what I calculate. Why not pay down the debts? Why happens if you guys break up? How long have you guys been together? A little over a year. Cool. Well, that's pretty young in terms of a relationship, at least these days.

But if you guys break up, how are you getting surviving? You're not going to be able to get rent to save your life. Good luck. It'd be 50% for a basic average place. Yeah, you could say that or I would survive. Like, I think most people do figure it out. Yeah. there's also literally hundreds of thousands of people that live on the street.

So it's not as easy as people just figure it out. Like a lot of things happen. No, it is that easy though. But how do you how do you get through life with that obstacles, crises, like rocks, bumps in the road? You figure it out. Like maybe the girl, I don't want to ruin your little rainbow road real quick, but people literally die all the time. People aren't just always making it to the majority probably, but even still life expectancy. is low in certain areas.

You put yourself in a bad situation. Forced yourself through bankruptcy, go ahead and get a car, get repo. Is that really a bad situation? Isn't it all perspective of like an individual? Bad situation getting a car getting repoed

and a non-walkable infrastructure area? I think people have to hit their bottoms, their lows in order to go up. You'd rather bottom. In certain situations, learning life lessons, 100%. But why now?

Learn it before you get the way. I'm so confused. Why would you? Come on. No, I'm being serious. I know. But why, sorry.

Why would you want to get to the bottom if we can already know what the bottom looks like? Why get yourself there? I don't understand the point. I don't think when making decisions that you're going, oh, I want to like ruin my life. It's like, oh, no, I want the Starbucks. I want the target. I want to go to the raid. And then it piles up.

And then you're like, oh, shit. I am kind of like at a rock bottom financially. Of course, but you're not because you are seemingly not. But you're saying I could get to a worse, like a lower bottom. Yes. Yes. We don't know that. We don't know that for fact.

No, we know you can for a fact. And then I don't know you will for a fact. We know you can for a fact because other people are. Which would also. Not anything is possible. There are literally hundreds of thousands of people every year that get to a worse position. Lose housing. Lose their cars.

Yeah. Get completely. And you're pretend. But you're pretending like that's not possible that people just figure it out. People don't just figure it out. People don't just figure it out. People literally die. Sure.

Is that the average person? We're talking about me. What would I. be able to do in this situation. What would you be able to do? Okay, go ahead. Do you get late? I break up. We're six minutes in. Why are we doing? Okay, go ahead. Uh, something happens. He dies. Let's just say that. So is that even a, no, no. No, pick another one. Well, I was just trying to pretend like your relationship didn't end. Okay, fine. Um, pick another one.

You guys hate each other now. Wonderful. And you break up for whatever reason. What would you do? $2,500 a month before any taxes. I mean, if we're being honest, I'd probably go back in live with my parents or see what my other options of jobs and live in any positions are. Like I'm going to find a way because I can't afford to pay rent on my own. I wouldn't get approved even for renting a place. So I would be okay with finding that other job. The thing about falling back on the parents, that is not inherently a bad thing to have a good support system.

But again, we're talking about right now you are specifically choosing not to pay off that, specifically choosing not to get a fully fund on emergency zone, particularly choosing not to get retirement so that you can go off to ego club whatever the fuck you do. Yeah. Instead of setting yourself up for a potential situation in case an emergency were happened because you're able to fall back on mommy and daddy. Mm-hmm.

Do you not see how that's a little immature for a 30-year-old? You're a year older than me, but you're acting like you're 15 years younger than me. Do you really think that people get anywhere? Do you think people get anywhere without help from other people? maybe yes, falling back on my family does not look like I'm going to move forward. However, I don't think. The fuck are you talking about? What I just said, do you get really anywhere in life truly on your own?

You don't have help from outside people. You don't have information. You don't get connections. No, like you're what? Your net worth is your net worth. If we bring it down to the most granular detail, of course we can make a thing. I wouldn't have been able to make a YouTube channel without the YouTube channel platform working or without it being existing. You're going to talk about systems.

I'm talking about people. and maybe my people happen to be my family. I wouldn't have been able to start a YouTube channel without someone founding YouTube. Yes, but people are able to. You're taking it far back. Exactly. I'm saying if I break it down to the most granular level, yes, I can say that. However, if we're just saying, can people make it with, yes, many people have made it growing up in an orphanage without a family and never having a family.

Many people have made it in a lot of situations with abandonment of parents. People have made it going from homelessness to multi-millionaires. Of course, people can make it without. other people. So you saying that literally no one else can make it without that is incorrect. Is it a lot harder? Of course. And I am not saying it is bad to have a support system. I am saying you are specifically choosing to not put yourself in any kind of situation of any kind of protection if in any emergency would happen because you know, mommy and daddy would take care of their 30 year old child. If something were to happen is that if you being a reasonable, responsible adult, and taking care of your debt,

get an emergency fund and making sure you have a chance for retirement. What? What? What? What? You disagree. You disagree with that somehow. Somehow. Fuck me. We're 10 minutes. Fuck me. Go on. Please. Do you need a break?

No. No, bud. That's a pretty. I'm a little, I am upset because that is such an immature mindset that if everyone believed like you, we would just completely fail as a culture. So it's pretty upsetting. It is, I think, a little delusional, sure. However, my delusional being positively delusional has maybe got me this far and maybe it's going to look like... Gone this far. You rely on your boyfriend.

If your boyfriend didn't exist, you wouldn't be able to survive. What are you talking about? Rely on him? Yes, because he pays rent. As in the roof over your head, as in, like, the most basic minimum requirement to life besides food and water. If I wasn't with my boyfriend, then I would be paying rent on my own. But we just decided you would not be. able to.

In this situation in Texas, but before I was paying rent on my own. So I can't do it. California income, Texas income. Why is that a translator? What were you doing in California? I was a nanny. Okay. So in Colleen, why do you think you're making some, what were you making in California?

30 an hour. Okay. Definitely a big hit there. Now, are you able to start? Can we pick up extra nannying on the side? But it's not an income situation. Again, you have already destroyed. described your behavior.

It's not that I need you to go make money. It's how you're managing your... I mean, this fucking, this debt, $600 went towards it, but it only actually went down by $70 less than because you're spending. And it's probably like over the limit. So like does this like extra thing too. I like to get raged baited on Twitter oftentimes. What's that?

It's where you're just baited into being raged. There's a lot of people on there that are endless victims constantly throughout their life and nothing is in their control ever, ever, ever. And a lot of people, what they say is essentially it's like the most dangerous thing in the world to be like a single woman. Okay, cool. I mean, I see a lot of that stuff. What you are doing, if you do become single, though, because of your actions right now,

you actually are putting yourself in a situation that is dangerous. You don't know what's going to happen to mom and dad. They're not always going to be here either. So if a relationship. The instance where then it goes, okay, you figure it out. That's not a reality. I don't understand how that's not a reality. How do you not understand?

Because I have specifically said, and okay, let's just get some basis statistics. Let's not the thick things. Right. Amazing time for a software update, guys. Apple, thanks. Do you want to just like start from the normal conversation? The normal conversation? Before we were supposed to get like.

What the what you're talking about? No, I think this is a very important. part because like your entire life is revolving around you not having a mature worldview. What's your definition of mature? My fuck. Well, you're going to say one second. I'm looking something. Difference and opinions on that thing.

multitasking. Okay. It is, no, not very well. It is your worldview of I will just figure it out. Put yourself in such a dangerous position that you don't even understand because I have had people on this show. I have had people on the show. that they would just be able to figure it out.

And then they're in hundreds of thousands of dollars in debt because they had no choice but to try to survive. And then they end up getting... I've had multiple people on the show that are approaching their 60s, hundreds of thousands of dollars in credit card and payday loan debt. And guess what? Not a chance of retirement to their name. They're going to have to survive off social security. Good luck ever being able to survive in any kind of world with no support system. Because their parents aren't alive at that point.

What are they going to rely on their kids? Is that their kid's burden? Morally, probably. But that's not fair. because an immature adult didn't take care of things. I don't see. I don't, I'm here at your sense.

Okay. Let me give you the danger by actually finishing what I'm trying to do. Okay. One eternity later. About a year ago, 653,100 people on just a given night weren't able to figure it out. In a given night, that was the number of homeless people in the United States on a random given night in 2023, according to the national low income housing, assessment report from HUD.

And that's the danger is that I would be homeless because I would have too big of an ego instead of going back to my parents or finding a job that would actually provide housing because that would be so hard to do. It could be. You don't know. You haven't. You're 30. No offense.

We're at basically the same age. We saw a little from the peripherals in our life the Great Recession, but you and I have actually not lived through in the workforce what a real recession is like. You think job and income is always going to be. that's not how it works. In the Great Recession, what were we, 8% unemployment? That is 8% of people that were looking for jobs that were not able to get income. This is not a guaranteed thing.

And your parents being around is not a guaranteed thing. And if you continue that mindset and that life of being able to rely on the boyfriend, being able to rely on some magical job that's always going to exist and being able to rely on your parents always being around, those things are not a guarantee. I'm saying you not being able to take care of yourself and sending yourself up for any emergency is the danger because you might end up as one of those 653,100 people that were given on a homeless on any given night, which was a 12% increase from the year prior, by the way. I want to give you free money right now.

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You can also sign it for our investing program and get $100 in cash deposit and into your Moomu account. This is the best way to learn what your investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description. description below. So don't pass up the free money because I'll punch you. I mean, who wants to be homeless? No one, but I'm saying it could be you. I don't know. No, no, let me give you the danger part because that's a large amount of people.

You just want to scare tactic me into your- Are you not? You're not scared of that? How is that not scary? It's not a scare tactic, it's basic reality. Maybe I'm just not afraid of that. I think there's scarier things. Because you've never experienced real struggle, obviously.

You've never experienced real financial struggle. We've never experienced a real financial sacrifice. So why would you? You've never experienced it. Okay. No, you're just being annoying. I think I just disagree with you. And it's frustrating that you can't get me to agree with you.

Like, I hear what you're saying. The danger part. The danger part. But I'm just saying there's way more. This is Euphoria Calvin Klein, the new elixir collection, featuring three perfume intense scents, inspired by a unique orchid accord, paired with vanilla. each with its own distinct attitude, each with its own universe, bold elixir, sensual,

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Violent crime right for those who are homeless. You want me to experience a reality that I haven't experienced that I could be afraid of experiencing it. Not setting yourself up for a basic thing that many people statistically go through. Why do you think you are out of the norm compared to a normal person? You don't know what life can give. I don't think I'm out of the norm. Then why do you, why the fuck do you not think this is a possibility for you?

If you are homeless, if you are homeless, if you are homeless, I'm afraid of it. I don't see it. You're talking about. the danger. The danger is 40% more likely to experience a violent crime if you're a homeless individual versus not homeless. And if you don't set yourself up for any situation where you, in the worst of the worst situation, are able to put a roof over your head, like many people who are having utilities cut off in the United States because they are not taking care of their choice or not. You are setting yourself up for that danger.

What if it all goes to shit anyways? Then the money doesn't matter. Like those things are You're talking about societal collapse? Sure. Yeah, sure. Fine. In the point zero zero zero zero. No, you go ahead. If society is collapsing, then there's no point to any conversation ever.

But let's base it on the statistical likelihood that society is going to resume and maybe protect ourselves even slightly. Protect ourselves from the illusions that we have in our head that fear and danger is upon us. Hey guys, if you're not a fucking moron like her, go to Caleb Hammer. dot com slash applying come on the show i this is are you like being serious wait hey hey question why did you apply to come on the show uh because i need some help is she literally because are you like are you kidding me you apply to get hope and then the one thing i immediately tried to talk about on how you are dangerously not taking care of your finances you immediately we immediately have a 20 minute back and forth bullshit about it.

Dangerously. So why did you apply for help if you aren't willing to listen to that most basic thing? You're telling me to be afraid of the danger, not I'm in a dangerous financial situation. You are in a dangerous financial situation. Okay, that's different than being afraid because I'm going to be homeless soon.

I'm saying that could happen because of the dangerous financial situation you're in. How did you not understand that? Are you not capable of having that very flat brain comprehending the complicated airflow that is going over to you. No, I do understand that. I'm sorry. Now I'm just being insulting because you're pissing me off. I'm sorry.

I shouldn't be insulting. That's not what this is. No, it's okay. Go ahead. No, no, no, no. Where do you think you are in this world, by the way? Finances is zero to ten. Zero being the worst, ten being the best. Where do you think you would land? I mean, if you're looking on a scale of me and my history of my finances. Your history, where do you think you are right now, dude, for a global scale out of everyone? Zero being the worst, 10 being the best. I'm not talking about sub-Saharan Africa. And Zika, but zero. How does the perspective go into that?

Is it me on my scale of finances? I'm doing better than I have done. And you, I would say, really? You've been able to last with your boyfriend for a year somehow. Last. You guys have conversations. Conversations? And he has kept you around for a year?

We don't look at each other. That's funny. Yeah, we have conversations. And he's allowed you to stick around? Allowed me to stick around. Like I am not a gift. Wait, you said five I mean, yeah

Because I'm not even gonna Do it If you want your hammer financial score It's free link in the description below See where you are In the assessment of life Are you gonna assess me and give me a number? Yes, at the end

Have you seen the show? You applied I watched all the TikToks They're good Oh good fuck Okay, so you just haven't seen the full thing You don't even know what the full thing's about Take the mic and pull it close to your face you're soft.

No. Delusional, but you're soft. Are you taking notes? Yes. Oh my gosh. I just want to know. I thought your notes were in the book. We're sure you can take care of a child without it dying.

Yeah. That's so funny. I'm clearly a little delusional about the finances. But I'm very good at my job. 13,709. $64. on this credit card. Oh, I probably look like an asshole.

Raging. $343. It's your minimum monthly payment. That's fucking insane. Just for a credit card? Wait, is you getting paid a nanny? Okay.

So, listen, I don't think you would have to pay too much in taxes if you report. Did you even report your income? The taxes. What's your tax situation for last year? What do you mean? How much money did I make? How much should you say you made and how much did you pay in taxes? I don't know.

that's not a number or really an answer. Isn't it? I don't know. How have you made it? How have you made it? I mean. How are you able to drive down to Austin without crashing? I'm a good driver.

What do you mean you don't know? Did you file taxes? I don't remember. Wait, bu, bu, but, but, but, but, but, but, that happens like once a year and TurboTax sends me like these reminder emails. Okay. And sometimes, like, I go, sometimes I've done it. And they, like, auto fill. If I get, like, a piece of paper in the mail that looks tax things, I do that.

Are you fucking? No. There was no class on this, nor did I ever Google. I know. We all have access to Google. Oh, you've heard me say that. Yeah. I love the TikToks.

Oh, my gosh. You are actually a fucking creature. Okay. You're, like, somehow existing right now. I like we're on a different plane of reality. So maybe our realities. Stop, stop. Stop. Don't try to say something cute.

Because you already know I'm going right with that. No, I don't. I just don't want you to try to say anything cute. You're just brain rot to the max. You do not know if you paid taxes last year. No, not how much. But do you know if you paid or filed taxes? I think I did.

You think you did? For one of my jobs. I think. What? Because like when I moved. here. I got a job out of school and a gym and didn't like really last long.

And like maybe. Why? Because you couldn't operate in a conversation with a human probably. Because they're not just children. I didn't have a car at the time. Dude. I don't have a car at the time. You laughing about not having a car? I was driving. No, you're what you said.

And so I was writing a bike. Oh, it takes her 30 seconds to process. Yeah. Go on. I was riding a bike. Can't be mean. go go go go go go go I mean Let's get through this Let's get through this

Go go go go Just go Let me I was riding a bike And wasn't really the vibe So the school I was working at Wasn't the vibe Yeah it wasn't

How have you made it this far in life? I'm literally trying to tell you But you're saying it's not possible And that it's not a reality And I should agree with you But like I'm literally sitting in front of you Like a walking I'm sorry please continue

My perspective It's what It's one of my bad traits that I interrupt a lot. Please continue. It's like interrupting chicken. Anyways. So I did not like riding the bike and I didn't know how to get to my second job. So I was catching an Uber.

So I'd ride the bike to my first job at the school. I'd work all day, ride back, catch an Uber, go to my second job at the gym. And then like that just wasn't doing it for me. I eventually got a ride from a coworker to and from the school. And then I was in the rain one day trying to ride my bike. I didn't know how to get across the freeway or under. I said it quit over the phone. So what was the question?

What jobs did you file taxes to? So I had those two jobs. I'd possibly. They were W-2'd so probably. Maybe. But even maybe not for you. But I'm talking about this stuff. This isn't.

You have to make more than like 5,000 or 7,000. How much have you, wait, are you saying you didn't even make $5,000 last year? Well, I just set those jobs individually. Listen, this nanny stuff is not W-2d. So you have to claim this as income and pay it later. The taxes. But you're saying you're, when you figure out, you can plug it into turbotax. They make you do it.

I'm not even advocating for them. Oh, there was an error in this. You need to redo it. Or call them and figure out what the fuck to do. Or talk to a CPA? Yes, call. Email. Huh?

I don't know that stuff. You don't know how to call customer support to a company. No, I do. I don't know to call or CPA or get help. Like, TurboTax is like an app. I just do it as an app. Do you do TurboTax? Not anymore.

Okay. We're beyond TurboTex life. Help me with whoever does your taxes. You get to sit down with a free financial advisor at Domain Money because you came on the show. And everyone in the audience also gets a free session if you use the link in the description below. But you can do that.

So maybe start there. When's the last time you actually filed taxes for this nanny income? Because you were doing nannian in California, when's the last time you filed taxes? Can you please tell me? No. I'd have to know that. The last time I... When's the last time you're confidently, you filed taxes.

When I worked at the casino, they gave me a W something. No, no, no, from the nanny income. Claiming the nanny. Have you ever claimed the nanny income? I'm certain... You have. Okay, when's the last time you're confident you claimed? To the government, you told them I'm making this much a nanny income.

When I did the casino job? When was casino job? 2020. So two years ago. So we probably haven't filed in two years for the nanny income. Yeah. Now that you would pay too much your tax brackets not substantial. I mean...

I remember the first time I went to do this. I was like, oh, I didn't even make enough money to even file taxes. So I'm not going to do it. And then it was like, well, you just fly under the... radar. It's not fly under the radar. You at least have to report what you are making. And then whatever bracket you fall into. It's like, okay, well, how do I do this? Turbo tax numbers. It's like a lot. State in California, which is a progressive tax system. So it would still be very little. If any, I don't know their tax brackets. I haven't lived there. I've gotten money back from doing my taxes.

Probably. Probably. But you also haven't claimed all your income. They probably thought you were much lower than, oh my. Okay, 30 minutes now. And we haven't. Haven't what? I'm just trying to just like assess where you're at. And it's, uh... You have it all in front of you. Look at the papers. You need to get like...

I think you need to like tone it down. That probably was inappropriate. I don't give a shit about inappropriate. I will be the most inappropriate person in the world. My audience is not filled with a bunch of performative pearl clutches. Pearl clushers? Yeah, try to say it again. Pearl clushers.

What'd you say? That's what I'm trying to get at. What is that? Okay. Okay. There we go. Yeah, once you make up to $11,000, which you make before that, but for the income you make up to $11,600, you'd have to pay 10% of that $11,600,000. And then you don't make up to $47,000, but for everything above that $11,601, you'd have to pay 12% of that income and federal income taxes.

Okay. You don't have any child. So you don't have any child tax credits. You do have standard deductions. And in the standard deductions, would you owe much? probably not in your income scale, if any, you might get some back, you might not. But you still have to- A bunch of words I don't know, like, really fast.

You got to, like, really break it down here. I don't know if we're going to be able to, like, get through this then, because, I mean, this is kind of basic stuff. They did at least teach this in school. In terms of, like, you have to pay taxes at some point. I went to private school. Then they really should have. I don't remember all.

You come from wealth? I wouldn't say. Private school is not cheap. I don't know. I would say my parents are. middle class. You went to private school. Yeah, K through college. K through college. Yes, sir. Did they pay for college? Well, partially, yeah. In my books, they're fucking rich, okay? Okay. Are you kidding me? Private school? And you came out like this? Pretty good.

Are you taking this seriously? As serious as I could take finances. Then why'd you come on the show? Because you seem like a... No. Because, because... everything we've talked about so far, you're fighting. Do you not understand that? No, I do understand that. What we're fighting and arguing about is like our perspectives of the things and like literally no. No. No, I'm just trying to get if you've paid in taxes. That's not a perspective thing. I don't know. I told you that. I know. I'm not hiding it. I don't know if I paid taxes in the last two years. Three or four times since I started working in 2017. Yet now we know you come from a very privileged background. Yes. And it's showing immensely.

It was a very good. Because you've never had to put any work into anything or sacrifice anything ever in your life, nor witness anyone. Go ahead. What have you sacrificed? I can't say about the sacrifice. I have put in hard work for things. Yeah, what's your hard work? Go ahead.

Well, first off, I do watch children have been doing that sense. 25 hours a week. Okay, go on. Maybe for you, you're very smart. But for me, high school was difficult. Smart. College was difficult. Actually, I made it through.

Got those degrees. Not everybody. Hey, I don't have a college. agree. Okay. So I suck a school. The format of school does not vibe with me. Doesn't vibe with me either. Okay. I'm not crying about it. Go ahead. Continue. I'm not crying about it either. However, I'm saying I have done hard things. That's your hard things is going to school for for sake. Okay. Yeah, you've never experienced anything. This is huge for financial audit. For a year now, my team and I have worked with experts to create

what I truly believe are the three best educational programs in the financial space online. We have our budgeting program where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over and, a year now and just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they've literally

changed their lives for the better. And finally, you can too at a more affordable price. Head to Calebhammer.com or click the link in the description below. You will not regret this. You've never experienced difficulty. We've never experienced difficulty. Wow, a structured system where I had to take classes. That was my hard will wife. Oh, well, if you don't want to go to college and it's something that you are required to do, have to do, doing something you don't want to do is hard. It takes, right? Like, in my opinion, you have to have the will to keep doing it knowing you don't want to do it. And you can walk away at any moment. You could walk away at any moment and quit 100% and I didn't. So. You sound so privileged. Is that funny? I do find it.

funny that you're grossed out that I come from privilege. No, no, no, no, it's looking at you right now. Again, the reason why, and this kind of stems back to our first conversational point now, it's all coming together for me and likely the audience as well. All this that you're saying and makes so much more sense that you have no fear about what can happen if you don't get to a basic financial security point because you've had nothing about privilege. You've never experienced real hardships in life. You've never experienced real struggle. And because of that, you don't know what it can be like. You don't know what it's like on that other side. How do you think that any individual goes through life and doesn't experience their own version of struggle and hard? Yes, but

your version is light. Your version is life light. Easy. It's diet life. Light. Is that what you're saying? Like it's an easier route. Yes. So pain for you. Objectively. Well, no, pain for you and pain for me might be unsure we're comparing them. Yours might be, worse than mine, but we're both experiencing pain. Like, if sadness- This isn't a trauma competition. No one's saying that. But you cannot compare getting foreclosure notices on your house growing up

to getting having to go through private school and taking quizzes. If you are putting those on the same level. But you're comparing them. I'm saying don't compare them. I'm moving on. I'm moving on. This is so pointless. This is so stupid and pointless.

But you ask me a question. I'm giving you my answer and you don't accept my answer. No, I don't because it's fucking bullshit. Okay. Well, as easy as it can possibly be. I don't know how you want these conversations to go. Do you want to keep asking me questions and me lie to you? Like, do you want to give you the answer you want?

Because I'm telling you genuinely what it is for me and my perspective. No, it's your inflexibility. You can have a delusional answer. But if I can at least get you to the point of a relatively decent worldview on why you should have an emergency fund, as simple as that. Okay, I can agree with you that I need an emergency fund. However, the fact that I haven't had one and don't have one, I'm going to tell you my rationale and the reasoning why.

And at the end of the day, I probably still don't agree that you need those things. At the end of the day, you need sunlight, water, food. Right? I hope for your sake in your life, your parents cut you off at some point. This is the most privileged take I've ever heard. It's gross. It's immature. Yes.

The fact that you think you think. You don't need an emergency fund, absolutely, because you've been nothing but babyed your entire life, absolutely. Because you have a little prettiness, your boyfriend's taking care of you. Because your mama and daddy's little girl, they've always taken care of you. You've never had to deal with anything. I'm done with this. $13,709 on here, $3,43 minimum of the payment, a substantially large minimum of the payment. Again, $2,500 is what comes in.

We don't set anything aside for taxes. Not that much would be owed in the end anyway, but we know that you are in tax brackets. tax brackets that have to owe money, but with standard deduction, who knows what you would actually have to pay in the end, but even, let's just say, 2,250 is what you have left. Currently, this minimum fee payment is over 15% of your income, one minimum fee payment on one card. So what do we do as a responsible adult who is trying to take care of ourselves in any way whatsoever?

Of course, we make, you know, double the minimumity payment, but then we purchase 207 hours and 72 cents, well, $322 of interest is accruing, meaning even though we've put $608 towards it, only $69 actually went towards it. Guess what? You only do the minimum of the payment

on this card and you don't purchase anything, which is, by the way, better than what you're doing currently because you're still purchasing on it. But let's just say you do that. How long do you think this takes to pay off? Only the minimumity payments and you don't purchase. Ooh, she figured that one out. five years.

Okay, 57 years. Oh, shit. Yeah, and you're not living until then. So. Well, then, maybe nothing to worry about. Why? Because it's going to be so long that it doesn't matter.

Yeah. Then again, why come on the show? Like, if that's your mindset. The possibility of another route than the route I'm taking. and going on. But that route doesn't scare you. You don't care that you would have to pay a minimum monthly payment on here of a substantial part of your income because you barely make anything

for 57 years. Does the possibility scare me? No. Of the different. No, this is your reality, but that doesn't scare you, that basic fact. No.

I don't know why. Then what's the point of this? I'm not talking about fear. Because the possibility of being able to do more of what I want and I really want to have children. You want to have. Yeah. I've been.

Guys launched the nukes. Build in the skills. Since 2017, I've been a nanny. You've been what? A nanny. Oh, building the skills. Like, oh, I heard Skittles. I was so confused.

Okay. We're good. So 57 years doesn't scare you up because you have a relatively decent chance within the next 20 years of drowning in a glass of milk or something. And by the way, entire thing you would be paying is $123,000. Okay. So 10 times your balance on here.

You'd be paying that in total if you only did minimum payments without purchases, which is better than you're currently doing. What are we purchasing? Amazon, Amazon, Amazon. Went inside some Target. Got something doubt it's groceries. I bet you haven't even seen a vegetable. Be scared.

You think it's for horses. Starbucks. I am a vegetarian. And so it is actually mainly what I eat. Well, I could see that. Yeah, it's all coming together. You're sure you're not a vegan? I have been, but no.

Bite the bagel, Starbucks. Went inside and got some bull from the gas station. What did you get for $17.81? Inside. Inside. Inside. Yeah. Oh, yeah, you went inside. 17.

Got some gas station vegetables. No. White Claus. Of course. Yes. Yeah, pull up your Amazon for me. Let me see what you got. Well, to be fair, it is,

Not just my Amazon. So it will not just be my purchases on here. Okay. Are you sure when you think you are showing up to take care of children that you are not actually being put in that group to be taken care of? 100%. I am definitely the one in charge. Unless that is what they have told you.

Who told me? Are you sure it's not a Shutter Island type of situation? I would have had to seen that movie to know what you're talking about. but, uh, you would have been lost immediately, so don't worry. No, I'm just being mean. Stop it. Stop it. The thing is you're being mean and I'm not catching it.

I think you just seem like facts. It's going over my head. Stop it, please. You can't. Don't do this. You can't do this. We got a drink mix. Some woman balance.

We're balancing out our womanhood. Nutrition O or Nutrim O. Hydrosensitivity. Oh, really. because there's um gosh it's all supplements and oh wait cat treats and then yeah it's this it's either cat treats or fucking supplement and protein. My mom's purchases to be what are yours because we had a few hundred bucks spent on amazon in here what did you get?

What did I buy? Oh, I got protein powder. I got creatine. I got a scale and like one of those food scales like a smart so literally stuff I called out They're like, now, they're only my mom. Okay. Well, the ones you said, yeah, those are. Yeah, it's at a 27.74% interest rate.

Well done. Thank you. You don't like classes. So even if I give you our debt class, investing class and stuff, you're not going to take it. You'll see the first quiz. Because you'll take the first quiz because you said your big struggle in life is you had to go through school. You're going to see the first quiz and you're going to run away to mom and dad and crying. You guys can get all our programs for 15% off bundled and actually take it unlike her.

She'll get them. She probably won't figure out how to open it in her email address. I'm being mean. I'm being mean. Maybe I'll just call the support line. We don't have a support line. It's a support email. Oh,

well, maybe you could have someone available. We are not a multi-million dollar company. We are trying our best here to do what we can do. CarMax. So we have a car. This is your car that you brag about that you're able to drive. I'm very proud of you.

I'm glad you're able to make that. See, there it is. Do you understand that I'm insulting? you right now when I say that. Well, you might be insulting you, but what I'm hearing is different. Like, I can drive a car. I think I need to reassess this conversation

for the productive sake. I have been treating you like a genuine adult and just like insulting you because adults shouldn't have that. But I think I need to stoop this down to a 15 year old level. Instead of making jabs at you, I think I just need to baby you through this. Because I don't think you can... If that's what is better

for you, by all means, go ahead. Okay, they're saying I should back it up to at least 10 years old. As you need. Go ahead. No, for the sake of you and for the sake of the video, too. So it's not a waste of everyone's time. No, I'm being genuine. I know you are.

And that's why I'm saying, and that's why I'm saying I need you back it down. Okay. And no longer treat you as an adult. Treat it like we're in grade school. Can we have some grade school music playing makeup, please? I think we need this. This is Cocoa Mellon Financial Audit Hour. Should we animate this section?

That would be sick. So this car, what is this? What is this car that you have? I have a Chevy Tracks LT. Wonderful. What year? 2018? I don't know. You don't know.

I'm not sure. I got it last year. Okay. It drives. I made it 30 seconds end up trying to be nice. I can't. No, you're doing a really good job. I'm enjoying it.

I'll say 2018. Works for me. 2018 chevy tracks LT Okay Yes You have good self-restraint 16,436

on here It's at a 15% It's at a 15% Restrain Yeah I applied And got approved Accepted all by myself So did it by myself

Thank you Shake my hand I'm very proud of you Well done This is so good You've done such a good job Sweetie Oh

Okay I'm treating you Like your parents. Oh, good job. Which actually hasn't helped you. So maybe we shouldn't do this? You want to go ahead and baby me because you can't handle your emotions about how I'm responding. By all means, go ahead.

Ooh, a little kittiness. I mean, just saying. I didn't have a problem with your reactions, but you were having a problem. No, I just felt like you weren't getting anything from it, which is what made me concerned. I think I'm saying, but I'm responding as the way I'm going to take it, right? Like, you're going to. Why? Why not try to learn anything?

What's wrong you're trying to learn anything? Why don't take your job and be like, actually, like, that is really actually a compliment? Like, you're not saying it that way, but I took it as a compliment. What is wrong with walking away from what someone has ever told you and just like potentially embracing it? I'm an absolute dumb ass in 99% of life. I'm pretty good at this part because it is something I self-taught and learn from a lot of other people. If I am a dumb-h at something, like cooking, for example. Maybe I should listen to what chef Jake over there.

Maybe I would listen to him instead of be a defensive little c-b when he tries to tell me anything, okay? Oh, the 10-year-old went out the window. No, it's done. It's done. It's done because you start to be in a, so I'm going to treat you like an adult, okay? I don't know what I'm doing here. I'm losing it. Are you feeling overwhelmed by your financial future?

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You got that. So I would listen to him instead of being a defensive person, okay? You're allowed to listen here. I will listen. Yes, but you're allowed to absorb it and potentially change your mindset. That's what I'm saying. That's what an adult does when confronted with new information, even if it challenges their worldview. takes time, right? You're talking to me in real time while I'm processing the things are saying,

and then what, I have to sit on it. So at first, like, I'm giving you my genuine response, my genuine answer. 2025, the year of not kicking off guests. 2025, the year of not kicking off guests. It is 24 still. You are uploaded in 2025. I am trying to change things in the mood of the Christmas spirit. 15% interest on here. Do you know that that is bad? Yeah. You do know that that. Well, I've heard that it's supposed to be lower. But when you look at my credit cards. Like what number? Yes, of course.

I've heard like, well, possible five to ten, three to ten. Am I getting closer? There's no way to do. The first numbers you were saying. No, no, no. If we're like under four or five, okay. Well, those people probably have like good credit score or like maybe a co-signer. It's not just about that.

It's just about under- I didn't put any money down. Okay. It's not, I'm not even just talking about. that good credit score or what to achieve. Oh my, I'm just trying to make sure you understand what is a considered a good and not good interest rate. Okay? Okay.

I'm just trying to get you to understand that. Mine is not good. Yours is not good. But again, I wanted to ask you what you consider good. And you're saying even up to 10%, no, no, no, no, no. If we are like 6% are up, absolutely not. Okay. Mine is not good.

How can I get it good? It's less about that. I just wanted to make sure. I don't think you can because your credit score is not great. And interest rates are not fantastic right now. Okay, but the $435 minimum payment is very scary for your situation. Very scary. Explain.

Okay, this is like if you woke up and you couldn't find your sippy cup. It's very scary. Uh-huh. And you have to call mom and dad. It's like that. Very scary. Okay. I'm super scared.

Does that make more sense? Totally. I'm really scared. You disgust me. Okay. What is the term on this? Do you know? Oh, okay, till the end of the decade.

Wonderful. Good. When she's 35. Isn't that normal? Isn't that five? There's a difference between normal and good and bad. The normal American is fucked. The normal American has a car payment in the 600s.

The normal American is getting a new car every few years. The normal American is drowning a credit card death. The normal American can't afford a thousand. an emergency, f*** normal. I don't want you to be normal. I want you to be doing better because you,

no matter how much you piss me off and no matter how not intelligent in this world you are and how you've survived them beyond concerned, but either way, no matter all that, you are still a human being

that exists, which means I want you to do well. So I don't give a fuck about normal. I want you to do better than them. So we need good, good percentage, good numbers. I need you to do well, yes.

Bank of America. Yes. Credit card. What are you smiling about? Just a happy little creature? Okay. Bank of America. You're looking at a credit card statement.

I do pay green path, wellness, financial, something like that, a monthly payment, and they actually pay the rest of my credit cards. I only pay the discover. Hold on. And then the other four are all through. Consolid, why am I blinking on it? Consolidation. Not consolidation.

You're in a debt like negotiating. Something like that. Oh, I'm blinking on the term. Great time to blink on the term. I think your brain is, you're, it's wearing off on me. Can't blame me. Okay. Well, so walk me through this again.

So you, so you. I pay them. Yeah, who again? What are they called? Green Path. Okay, so we're not thinking about Bank of America anymore. We're talking about the Green Path. I guess not really.

No, because the rest of my four credit card. How much you pay Green Path on a monthly basis? 171. And what do you owe to them overall? Don't know. If I had a guess, maybe 10. I don't trust your guess. You're not a reliable narrator on anything that involves a number.

How do you know? Did I even give, have you asked me numbers, questions? Taxes. Percent. Oh, yeah. I don't know anything about that. Okay. So this card is now with Green Path.

They're now dealing with this. They are making the payment for you. Yes. So the issue with a lot of these, and there's some good ones, there's some bad ones. I support good ones in the right context. I don't know if you have the right context, because you probably didn't fix your behavior.

Remember the behavior that got into this credit card debt in the first place? You probably are not addressing that before you're doing this, which means you're going to fuck yourself again. But either way, okay. So I'm okay with some of those negotiating companies, but the thing is for some of them, like bad ones that might prey on people who that are not that smart, they might have so much so many baked in fees and bull-

that you're literally potentially losing even more money than if you're just doing your credit card payments. You already know you are? Why'd you do it then? What the fuck are you talking about? Well, I didn't know until after I already did it. You can usually, you can sometimes back out of these programs.

Have you tried to reach out to them? I know phone numbers are difficult. No. Okay. No, I didn't try to reach out because it's already like set in stone. See what you can do. I don't know about green path.

Okay. But see what you can do. I mean, you've paid $200. $50 in interest in this year. Capital One, is that in Green Path? Yep. Okay, so the Capital One was a $1.4. Well, why was that in Green Path?

It's a $1.14. You could have paid that. It's less than your minimumity payments on everything we talked about so far. Yeah, 100%. At the time, though, I was in a transition, no job. So it was just like, sweet, got it all moved to one. Did you basically have no job? Technically, they do have a job.

Yeah, technically, according to the government, you don't because you're not claiming your income. So I don't what the fuck you're talking about. Well, not yet. Yeah, two years. I'll figure out how to do my taxes, hopefully after the show. And then I'll do what you do? How?

I know we're going to sit you down to those people, but what would you have done without that? Because you haven't figured it out thus far. Then the opportunity when it arise would have arisen, right? What? Right? What? What even is that? What even is that?

It all plays out how it's like supposed to be. Oh, fuck. I hope you don't get any. If your parents die and you don't have an inheritance and your boyfriend becomes... Why is it that my parents have to die? Why do you keep talking about people dying? Because life happens and people die. I'm sorry, it's not the happy part of things.

But if they die and you do not have an inheritance and your boyfriend can't deal with this anymore, you are literally not going to survive. There is no chance. You're going to always have to rely on trying to go get someone because you can't do this yourself. or a job, but again, with your job, you cannot sustain. And you are essentially assuming, we're in a great, our job, our job market's fine. Yeah, I bet my tongue. Our job market's fine right now.

Is it as good as it was a few years ago? Of course not. But compared to like a recession job market, it is still pretty damn good. You and I have not had to shop jobs in a real recession before. You are just assuming that I'll just get a job is going to exist. Yeah, but if it doesn't, I've already talked. talk to you about this. It's not so bad to be homeless. Is that bad? You didn't say that. Fear of it, right? You're like, be afraid of this. Like, this is danger. And I don't feel the fear of

Okay. I think you might just need to become homeless so that you can experience how bad that is. I haven't, but I at least can recognize how bad it is. But you're unable to. That's the most delusional thing I've ever heard on the show. Possibly because you're, I think you just broke a fucking record. If you haven't been in a situation, how would you really know how. Conversations, documentaries, education. You can learn. Will you know the exact experience in terms of a flesh level? No,

but you can... Really bad situation right now, and I don't even think... What about the fucking freedom card, lady? Hmm? Is this a part of green? Okay, it was at 2000. With hundreds of dollars in interest accruing.

Over the year, of course. Okay. Oh, what is this? Oh, those are the student loans. They paid for some of school, but not all of it. Correct. Okay.

Hmm. They paid for private high school and elementary and middle. Okay. Interesting. Whatever. That's fine. It's not like they have to. 63,800.

Where'd you go? I went to Green Canyon University. Okay. You're always obsessed with something green. Grand Canyon. Oh, Grand. Grand. Grand.

Yeah. GCU. Are these all federal student loans? It looks like. So you have no private student loans. Like a Sally Mae. I already paid that off. you had to you paid it off yes what it was 20 000 maybe 10 i don't know it's been a minute

you're 30 it hasn't been that long when did you pay it off how did you pay it off maybe a few years ago why did you pay it off well because it had me doing payments every month uh-huh that was it that's the only reason why then why is everything else not paid off then if that's the reason why well that one I don't know how that one works. You're prioritizing going out, which we haven't gotten to your spending, it's in your checking account. But you specifically said at the beginning of the conversation, you prioritize going out other than paying off your debt.

Why was the Sally? It's just every other expense of that. Gotcha. Why was Sally Mae then prioritized over to that stuff? I think I started paying before these kicked in. Like when you got out of college. Your other credit cards, though. Yeah, those were after.

So Sally May started paying first. So you're responsible for a little bit after college, and you've just decided to revert to infancy? I'm confused. Why would you do that? Well, I don't really know how it works. What's your minimum monthly payment on these student loans? Zero.

Are they zero or are you not paying them? They are zero. Okay. Were you in an income-based repayment plan? Yes. And you know that. Yeah. For sure.

Yeah. I reapplied for it whenever they were going to restart your payments and then you had to switch over the plans. So then I went on $63,817 $0 payment and they're on deferment right now most likely because they are being

challenged in court. They're all tied up. Those type of payment programs might get stripped out and you might be forced to pay about $700 a month in payments. That's what it would be like

before COVID happened. It's why I said it. Yes. But you realize that, right? Like you could get, if you don't, they'll garnish your wages from whatever job you have.

Garnish. my wages. As in if you go get a job before your income hits, like a W2, before your income hits, they will take money before your income hits. They will force you to pay it. Force, gunpoint. Because I'm not going to choose to pay it like it was before. I don't know how you'd be able to now. Well, I would figure it out. That's our answer for everything. You don't, you don't know. You've only known a good economy. You might be right about that. I am right about that for sake. Okay. you win on that one. Is that a win, loose?

This isn't, is that a competition? I want to see you survive and do well. I do too. If you're viewing this as a fucking argument, then, oh my gosh. What did you graduate with? What was your degree? Elementary education. Why aren't you teaching?

I don't like school. Why? I don't think it's useful. I don't think it was necessary. What school? The tactics, the classroom style. then why not try to get into like a charter or private school that might align with your teaching style and what you think a classroom should be? Not that I would want you to teach a kid, but okay.

I just don't like it. Why'd you get the degree? To get a degree. To get a degree? Why didn't you get more general degree, just like a business degree in marketing? It was the fastest degree out of college. That's all you cared about? And now you're just being a nanny.

I did two and a half years trying to do nursing. And then it was like, I did not like that. And was bad at it. So, you switched it to elementary education just to get the degree, got the degree. And then attempted teaching a few times and did not like it. And nannying was like right up my alley. And I got to prepare for like what it's like to be a mom or attempt to be, like build those skills. Well, if you ever want to do something different, I can gift you a course career certification,

the change of field, something like accounting, tech, whatever you want. I can gift that to you. If you can make it through it, anyone can make it through it. I don't know if you can. Challenge accepted. Yeah, I'd love that. Oh, okay. Well, you just let us know then.

I'll let you know now, yeah. Well, you got to see what certifications are available. Oh, I see. I just meant yes to the opportunity. Okay. Oh, no. Yeah, what the fuck is this? This is screenshots from a note app with a lot of dollar signs.

I'm very confused. This is three pages. Four, three pages. What am I looking at here? That is an IOU list. For what? Things, family. Okay, so again, further proving the point.

If you did not have them fall back on, you would be dying. You would be starving. We don't know that. No, no, no. If you could not find a food pantry, you would be starving. We don't. Or eating out of a dumpster. We don't know that.

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Okay, this was $700 to mom. Chase credit owed to mom $100. Why do you owe $100 for Chase credit to mom? Did she make a minimum of the payment for you? Probably, yeah. Utilities owed to mom $51 extra bank cushion money owed to mom $50? I'm going to call your mom. I'm going to call your mom.

I'm going to call your mom in the financial audit post show. I didn't tell my mom. No, I'm going to call your mom in the fucking post show. And I need to tell her to cut you off. I'm going to call your mom. We're going to get through your financial audit. And then, guys, if you want to join our YouTube membership, in the post show, we're going to call your mom.

This is crazy right now. Bank of America Discover and Sally May owe mom $305. $4.483.0. It's all mom. July bills owed to mom. $67. $7. $5 money owed to mom.

you're a fucking infant. $100 grocery spending owed to mom. You're not surviving. Your mom is alarming you. Tamping owned a mom. I'm assuming that means tampon. Yeah, probably.

$20. We're calling it tamping. Is that the... Okay, this list is from 2017, and it's been growing and been working on since then. I only see one worked on, by the way. Fun fact. Only the one at the top.

$50 weekend fund money owed to mom. $400. Sally Mae and SoCal O'Demont. Two hundred. Guys, I'm going to get comfortable. We're going to be here for a second. That's not funny. This is actually disgusting and like embarrassing.

You should be embarrassed. Would you like me to cry instead? No, but I wouldn't laugh out of comedic fashion because this is not. I don't think it's comedic fashion. Shut the fuck up. I'm reading. $50 I owe you mom extra money. Not even descriptive there.

$400 I owe you. LIB ticket paid $100 and then paid another hundred. paid another hundred so you probably owe extra 100 or was it 600 that you owed and now it's 400. No, I would have been 400 and that. Okay, now it's 300. What the fuck is it LBI? L-I-B.

I was either lightning in a bottle or life is beautiful. Wonderful. I owe you to mom blacked out. $80. I owe you to mama for alcohol and snacks. $30. Wow. Thanks mom for being really good. Oh, guess what? Dad showed up for in and out $40. Gee, for sake. $30. I owe you to dad.

60 for mom for gas. Oh, it was a dad present. That was the one. $20 beer for mom. Thanks, mom. Gosh, you're doing so fucking great. $30 grocery, mom. $50 bills and extra for mom.

$100 clothing from mom. $400 Vegas from mom. $500 October bills from mom. $50. Mom, extra spending money. I can't deal with you. There is no hope. There is no hope.

Look at this. This is the most insane. not even going to go through this. We can put her all on screen, but this is crazy. We got Chase November bills. Chase December bills. January. Sally May. Overdraft account $50. Extra spending money. Dinner, snacks, drinks, oil, gas, Thanksgiving. Fixing car. Low money. Borrow money. Christmas presents. June therapy. Paid that one. Registration paid. Okay. We got a new 77 inch TV. 2.4,000. Oh, Demand. I'm going to kill myself. APT. Fern for apartment to mom and passport oh mattress topper uh camp i oh the oil change amazon walmart amazon gas

amazon what a f*** and then yeah the overdraft one as well is what a joke overdraft and you're kidding me like what i'm sorry give me my calculator back you don't deserve it you won't even know what those letters and symbols mean on there so you can give it to me i need to me i need to break. Is that it or are you okay? She wasn't feeling bad because of the conversation or because of any jabs or jokes and stuff because everyone's well aware of what's happening when they come on the show. But apparently all those screenshots, screenshots,

screenshots, screenshots, all of it is finally stacking up and she's seen exactly how much she owes to the family and it boiled up to an overwhelming sense. And she needs a break and I would understand because if any of us saw those kind of numbers and that kind of life, it's crazy. It's hard when you talk about your family. It is. Sorry.

Because they do enable it. They do. You realize that? Here. I have worked on like, I mean, trying to break away from that. However, at the end of the day when life gets hard and it comes to, yeah, stepping up on my own, I do rely on them. It's been a lot. It has been a lot.

Is that what push you over the edge here? Well, seeing how much was. stacked up? Um, no, it's the guilt. Guilt. So you feel immense guilt from this? Because it's been years. But I like, owe them my life. It's not even just the money. It's like, I'm supposed to, I've had a privilege life and I should be better at where I'm at. Okay. It should be like a real adult, like super together. And I guess like hitting 30 was hard because I thought by now I'd like definitely have kids, hopefully be married, like, have like a career and I'm not there. Ah, you're doing better than me.

At least you're not single. No, because maybe it is, yeah, another enabling situation. It's another, any kind of person who's helping you at the end of the day is enabling you. And so getting help. You need a lot of help. I need a lot of help, like more than I'm getting. Help into changing your behavior. Yeah.

I'd say the help you've received so far hasn't actually helped you. It saved me from saving myself, and that's not necessarily a good thing. I'm very appreciative and grateful for it, but it's time that I step it up for myself and not just for myself, but for my family and want to do better. I'd love to be one of those people who pays their parents debt off. Your parents have death. Some of my college, some of my sister's college. Oh, they were going into debt for this.

I mean, they took out ones for that. I mean, the house, whatever, like, life and situ-you-you-you- know, the American Dream's lifestyle situation that looks good on the surface, but you know underneath, it's not real. And that's clearly what I've played out to be. And it's time that I like do it for real. Not what can we do though? This conversation so far has been honestly, deeply worrying. And I am glad to at least hear right now that you're ready to take.

take the step, you're ready to take the step to sever that enablement that's been happening. But what can we actually do? Based on this conference, it's been very worrying. Yeah. Well, I would think, are you sure you want to film the rest? Because you, you know, you walked off. I do want to film the rest. Yes, I need a break.

And now I'm ready. Like the thing is looking at it is one of the issues and one of the first steps that I haven't done, right? So being able to even look at it is a first step. Do you think you can change your behavior though? You think you can actually change? I think anything's possible and if I've been able to do. But that mindset has not worked. I need to correct that because you, that's what you've kept using this entire conversation is that it's all possible or I'll figure it out. Maybe that's my perspective or my version of hope, right? Without that, then I wouldn't. But hope without any actions is nothing. I'm not disagreeing with you there.

I just think that you still need the hope to continue on for the possibility of actions to eventually come. And I think it's been a point of delusional hope and the idea that future me is going to solve it. Future me is going to take care of it. I have people to rely on it now. And now it's time that it's me that steps up. What you said wasn't like 100% wrong. The thing is, is I've just been surrounded. We all know people in our lives that have these hopes and dreams.

and ambitions, starting a business, pursuing a career, doing something, but they put no action behind it, and we will always only ever hear them talking about their hope. So a hope is not going to lead to the action. It's actually, you're going to have to walk away from this conversation and implement today. Today, what we talk about. I don't think that that needs to take away from my delusional hope. I think that the hope along with the actions, like the talking the talk needs to be paired with the walking walk.

It does. You need to have hope. I'm not saying don't have hope. Yeah. It's the hope without the action. That's all I'm saying. You need the hope. If you don't have hope going through it,

it's also you're not going to make it to the end. Yeah. Of course. But, okay. I just, I need to see the action. So when you come on the financial audit follow up channel, there's going to be major changes?

Major changes. Why do you think? Why do you think just besides the hope? Why do you think you're actually going to take the step after this? Because my why is more important. What's your why? Give me your why right now. my future, the idea that the idea, right, is not a reality that I'm going to have,

hopefully can join finances with my boyfriend. No, no, no, no. I'm saying once you're married. Right. I don't want my debt to impact him, right? I don't want to come into debt in that relationship and then having children. It can work. Sometimes, sometimes what people just need is to have everything really strung out,

strong out show, just really thrown out, demonstrated in front of them just how bad it is because so many people, I would say almost everyone that comes on the show does not know how bad their situation actually is until it's a show. And it pushes to that moment where people are finally willing to actually change.

And if you're at that moment, then I'm willing to continue. Because I, we can get you out of debt probably. We can figure it out. So let's continue. But getting to that moment is critical. What's this? What am I looking at?

A screen. Okay, so my Discover credit card? The original one at 13,000? This is, yeah, so look at this. I called them, and I saw this thing where you could just ask them to lower your percentage, and they did.

So was that, like, what, 27, and they moved it to 24? And then the next thing I know is this. 24? Where, what's that? I don't understand how they just charged me. Oh, fat interest. Um, like, wait,

bring up your app for me. Bring up for your app. Okay, but you're still going to have to pay the interest for all the things that are already on the card before the new percentage goes in. I'm like, obviously, yeah,

that makes sense you wouldn't change the interest and lower it. But why would they tack on a full interest of that? I need to see it. I need to see it. Here you go. I don't know. Yeah. No, that's just your monthly interest amount, dude. Your monthly interest amount is insane because your balance is so high.

But it's never been that high. Like I paid this every month. It's usually like $78. And then all of a sudden it just jumps up to $300. Wait, your minimum. Hold, okay. Okay, well, fine. I'm looking at an October statement then.

Let me see. No, October statement. It's because your starting balance was lower. You were $2,000. Your credit card's only gone up. That's why the interest was lower. Your minimum fee payment was pretty similar, but lower because your balance was lower. If you have a higher balance, the interest is higher.

If you have a higher balance, the minimum fee payment is higher. Let me go back to August. Let me go back to August. Again, you were $2,000 lower than that previous month. Why do you think it's getting higher? You went from $9,000 in August. But like $200 more? No, because what in your minimum monthly or your interest?

In the interest. Your interest was only, your interest was only like $50 more. I'm looking at the past statements. I went a month prior and it was $50 more and then the month before that it was another $50 less. Again, but you're going up, you've gone up from $9,000 a couple months ago to now at $13,000.

So it is going to be higher. You just didn't know what your interest was because you probably didn't look at your statements. You were getting horrendous interest charged still. Possibly, but I do. No, definitely for sure. Okay. Okay, maybe 78, maybe like a year ago.

But listen, I, I, I, I, You're looking at it. Okay, let me go all the way back to June. June was around 9,000. Okay, okay. Well, here is a lower interest charge. Let me see why. You were on a promotional.

Oh, yeah. You were on a lower 17% thing and it jumped up since. So, yes, of course, your interest went up. So that's what happened. Even if they brought your interest down from 30 to 25, it's still above that, 15%. So yes, that's how it's going to work. And what is this? What is this?

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Isn't it nice to have someone like that on your side? Save up to 40% your first year at lifelock.com slash Spotify. Terms apply. This is Apple Pay? This is my Apple Pay. This is my wallet. Okay, so $450 came in, and then you transferred it to your bank, and that's happened. And then you sent some to someone.

You sent one to someone, and then you sent one to someone for Uber, and then AAA, VAP. It's not AAA, it's VAP. Yes. How much are you spending on VAP? Probably more than I should be. spending. Yeah, don't you want to survive? So if you do all the long, hard work that you're going to do if you want to change your life, don't you actually want to see the reward in the end?

$36, definitely not groceries for you at Target. More, $43 for vape. Bagels, $38. Then lots of transfers back and forth and some Walgreens and stuff like that. Corner, corner donuts, 15 bucks. We went in, got some BS from the gas station, $6, and then Subway and bite the bagel, $10. and more vaping, $43. How often is that $43? Is that every week? Possibly.

That's so much money. I can't put that in your budget. I can't put that in your budget times four. That's $172 a month. I can't put that in your fucking budget. That's an insane... You have to work on that on your own. I can't get you to quit.

You're going to have to quit. I can't put that in your budget. That's horrendous and you're killing yourself. You also sent someone $164, have so much fun in Hawaii. What the f- Well, when I went to Hawaii, my sister sent me some money and I had that. How is she doing financially? You didn't.

No, you don't. You're, we have the cash. Hey, we had the, come on. You just, you, you, you had a moment of big, big emotions because we finally saw the, all the IOUs to your family, to your mom, three pages worth. Yeah. You didn't have the cash. You have IOUs. You don't have the cash.

But I did have. You don't. You don't. You have the IOUs. And when I was going to Hawaii, I didn't have the cash. I didn't have the money and she sent it to me. And it's not when she did that. Does she have IOUs to your mom? I don't know. Probably not. Then it doesn't matter. If you don't know, you do. It's a different situation. You and your sister are probably not in the same situation. No. We got to call your mom in the post show. We've got to call your mom in the post show or your dad. What are you looking for? The total IOUs is $17,483. Sorry, say it again. $17,483 in IOUs. Jake added them up.

Okay. Okay. That's possible to pay back. Right? Yes. Anything. Okay. So.

What are you thinking right now? Challenge, a big obstacle that I'm going to overcome and have great skills afterwards. Oh. Okay. Don't get yourself into. challenges just so you can get skills, though? I don't want you to feel life like that. I don't think that was the intention.

However, that is how we're going to look at it to get through it. 17,000 you owe in the IOUs. Yes. If I put that right now in my investing app, Moomu, it's the one I use. If I put that in there, people that put their uninvested cash in there, I think they get 9% on their money. You'd get an extra, now let's divide that on a monthly basis. You'd get an extra $127 in pure profits in one month.

if that IOU was sitting in something that generated you money, but instead you owe it to mom. And I see that's where it emotionally hits you every time. It's when we get to the IOUs. There are tissues right there if you need one. Please feel free. Okay. Yeah.

Okay. I know this doesn't seem like a part I should be glad in, but I am glad that there is a part of this that emotionally hits you. The credit card didn't matter to you. The student loans didn't matter to you. None of that matter to you. But we got to the IOUs and it matters. And if we have something that actually matters and draws the emotional response, that may give us the actual kick in the ass, the fire under our ass that we need to actually start tackling some of this.

Okay. But, yeah. To do it. Yeah. You are a California girl. But what matters clearly is people to me and the emotions and the feelings and I have done it in maybe a wrong and unhealthy. way and then it comes and bites me in the ass and then i got to do it the right way 135 dollars in a checking account that's not going to help us get there was that on our 100 bucks

uber uber uber why are you ubering so much you have this car you're very proud of it oh uber is uh like delivery food it's uber eats yeah breets do you cook yes how often weekdays every weekday What are I have three Uber Eats in a row then? Weekends be different. Weekends be different than three days in a weekend? No. Well, Friday. If you count Friday.

Why would I count Friday as a week? That's not a week. It's a week day. You're right. But you clock off and then it's a weekend. Uber eats, Uber eats. So five in a row. So are weekends five days?

Well, no. Then there'd be like breakfast, lunch, dinner. You're fucking killing yourself and me and I'm trying to be gentle. I'm trying to be gentle. In the latter half of this conversation. No, no, no. But come on, that's fucking crazy. It's fucking delusional.

That is insane. Nope. That's bad for you. That is bad for you. It's bad for me financially. And probably health-wise, too. Taking care of myself, taking care of kiddos, cooking, cleaning, it can be draining. It can be draining come the weekend.

It's like, well, I want to be... You work 25 hours a week. I have no sympathy. Shut up. The rest of us... 25 hours clocked. The rest of us, if you're working unclacked hours and you need to get another job. Because that means you're not getting paid for unclocked.

So that's the thing. It's that one 25 a week. And then... Okay. Well, how many extra hours for that on a weekly basis? Be realistic. Realistic? Maybe three to ten.

You're still working less than a normal person does. I don't have sympathy for that. I am sorry. It's called being an adult. It's really just called being an adult. Sometimes you have to make a sacrifice. Sometimes you're a little tired and you have to make a sacrifice. Also, if you meal prep just a few times a week,

that's less time you have to spend cooking. I do meal prep. Not with all this Uber eating because then we go to Big Buffalo and then we Uber eat, then we zeal out 170, then we zeal out 200 and then we Uber eat. We Uber eat Amazon. We get our nails did for 167. Then we Uber Eat and we Starbucks. You know this is more than just the weekends.

And golf club, golf club, Starbucks, some snack at Target probably because it's only six bucks. Definitely not groceries. Amazon. Vapes. More vapes. ATM which all, who knows where the fuck that went. Uber eats. Breakfast Club.

Bird app. Starbucks. Bird app, bird app, bird app. A little scooting. We're scooting around. It was my birthday. Coco. So I went and spent a bunch of money.

Yeah. It's not funny It's not funny Happy birthday mom I'm paying you back I mean the last time someone walked off the show We uploaded that before Thanksgiving Maybe this one's before Christmas So if that's what happens guys

I'm a fucking future teller Fortune person I'm looking for your budget thing I might need a budget thing I know you had a budget thing What's a budget thing? The sheet where I write the budget I did I felt the staples earlier

Here it is I got it Okay. Income, I'm going to say $2,250. I need you to set a little aside for taxes. You need to set a little aside for taxes. Your debt monthly payments, this is going to be the crazy part. You are so lucky your boyfriend takes care. How does your guys relationship be as honest

as you can be? Even if it is not good. Dreamy. I can't have imagined anything better. But you guys are only in it for your, okay, but okay, good. Good. Because if you're out on your own, I wouldn't even know what to do here. But thank goodness we don't have to put a rent payment in. Do you have to do utilities or internet or anything?

pitching by paying for groceries. Okay, you're paying for groceries. Grocery budget, $600. That takes care of two people, and that's meal prep and use the meal prep in our debt class, our budgeting class, and tweak it to your needs. It's based off of H-E-B anyway, so you can use it for sure. TP-FUD, anything else you need to survive, $100, that is nails, that is whatever. $600 for, $600 for, $1.00, drive, drive.

Yes, $30 every two weeks. Do you know? Or are you just throwing that out? I'm guessing. I would have to like keep track. It's okay if you're going to have a guess if it's an educated guess. It seems educated. Based on what?

Based on how often I can remember filling up my gas tank and how much it costs. You don't remember if you filed taxes. Yeah. I don't fill my gas tank up that often. In California it was every week. It was like 120 a week. And now it's like 30 bucks. We didn't really know. It was hard to tell what was going in and going out.

We got tolls. So I'm going to do gas and tolls, $100. But. Car insurance? $2.60.3.30? I don't know. It's fluctuated lately. What do you mean? I had $5.02.

In one month? Yeah. No. Right, Jake? Okay. It hit your account twice, but maybe that's just, you know, we're seeing it within two payment periods. I'm going to say $2.50. Yeah, that sounds right. Okay.

And you don't contribute anything to the house in terms of the internet. Okay, good, good, good, good, good, good, good, good, good. Medical health care, anything ongoing there. You'll need it a lot if you keep vaping, but... 17 a month for VSP. Okay. That's eyes. And you pay that out of pocket?

Yes. What do you do for health insurance? Nothing. You don't have health insurance. No. You are going to go get the most basic minimum, plan so that if you have a huge medical emergency, you don't go bankrupt at the very least. Okay?

You don't owe hundreds of thousands of dollars. You're going to do $300 a month for that. Life's expensive and you're just not doing it. That's the thing. This is why you have so many I will use. No subscriptions. Do you have any pets? Technically, actually, I do have a subscription.

I forgot about it. I think it's 35 a month for the cat food through Amazon. So you have cat? Yes. So 35 bucks a month for cat food. Well, I'll put that in the food area. Okay. You have pet insurance?

No. Get pet insurance. I don't know how you would be able to save its life. If you can't afford pet insurance, you probably can't afford a pet. 35 bucks. So, be fair, it is my boyfriend's cat, and I moved in and now, like, I mean, obviously love him. He's my cat, too. Why are you paying for the food?

Well, my boyfriend was gone in Korea. I just took it over, and then I... How was he gone? Nine months. And then I thought I... You guys have been together for a year, but, you guys have been together for a year, but he was gone for nine months. No wonder you guys are so happy.

A little more than a year. But he's been gone all of it. He was gone for a good amount. Hey, see if he can take care of the pet insurance. If it's his cat, he should. Yeah. 35 bucks a month. Tell him to get pen insurance.

Anything else that needs to be in your budget that is not there? I pay $170 a month to my mom. For your debts? For my phone bill and then paying off tires for a Jeep. Okay, 175 for phone and Jeep. Yeah. You're close. Ah, there it is.

That pushed us over. Yeah, you don't make enough money. Yep, 2,5001 just for you to survive and you're not even paying for a roof over your head. No wonder your credit cards gone a couple months ago from 9,000 to 13,000. And this is how it goes. No wonder your IOU list is gone. So we're encountering two issues here. Your direction from here is on two issues.

One, no more using credit cards. If you're going to use a card again, you need to use like a FIS card, which is a debit card, but builds credit. But you just can't spend more than in your debit. A FIS? Fizz card. Well, it's called Fizz. The company's called Fizz. We can get you connected. But you can't use credit cards. You're not a card card card card card. And you're only building them up. I'd close the accounts. I know it would hurt your credit, but I'd close your account. Close it. Close it. Yes. Close the discover. Close it. You can't be trusted. You're just hurting it. You're underwater by $250 a month.

So there's a few things you need to do. You know, shut down the credit cards so you don't have access to it. You need to build the budget. Go through the budgeting class. This is the makeshift budget. I hope this budget works. could be awful little. You have to go through your stuff in detail and figure out what your budget is and do it on a monthly basis and figure out what you need to do. You need to control your spending. There is no BS spending. You don't have access to it. Now, you either need to go get a second job or you need to get those hours up at Nanny R us. You know, you got a fucking, you need minimum an extra thousand hours a month. And even if you do this, is still, not the student loans, but the credit, the fucking, extra thousand dollars a month, mom,

Car, Discover is still like a four or five-year process. So you need to go double your income. You know, you need to go from 25,000 hours a year to 50. I will be moving to California next year, April. That's going to make it probably worse. Cost of living's higher. And you have to go find a job that makes up for it. Like, why?

Well, we want to start a family and our families are there. We're from there. Why are you here? My boyfriend stationed here. He's in the military. For now. That makes sense. I'll say, why would anyone be in clean?

Okay. That makes sense. Well, wherever you go, you need to make that budget work. But until you move, you need to go make as much money as possible, doing side hustles, dropping fries in the friar. You know, you need to do whatever you can. If you bring in an extra $2,000 a month in net, which is almost doubling your income, it still takes almost three years to pay off this debt without you having one single cent of fun,

paid fun. You go out to eat, you do all that, your boyfriend's paying for it. It's as simple as that. You cannot do them. And you need to inform him of this situation. Maybe we'll call him too. Does he know your situation? Yeah. Well, you didn't know your situation. So he knows your situation from your perspective. The just of it. Yeah, that I have like one set of credit cards that I've closed with a company and then one open in the amount. Okay. I think we have a lot of phone calls to making the post show. Make sure to join our YouTube membership guys. It really helps support the channel. And join Hammer Elite for the best value of your dot. There's a lot of extra shows and stuff we do back there.

But let's get your hammer financial score. Spending in a budget. I don't even know if you overspend or underspend. Spending 3,000 income. Actually, you had a better month than you suggest. I get a lot of Venmos in, but are they all through the pay? Or are you getting Venmos from friends or what? Yeah, Venmo is all we had.

Well, if you make 2,500 and the rest was, who knows, you spent 3,700. I don't know them to know. Spending a budget, you would be technically over, so you're on its end. Why did you have a better month? I don't understand. I don't get Venmo payments. Are you sure they're not Apple Pay in the wallet? Sure.

We can call it that. Was that it, Jake? Did you? Yeah, it may have been Apple Pay. Okay. Well, that's how I get paid. Why did you make more than you say you made? Well, because I gave you like a rough estimate.

But it was almost double. Sometimes I work 40 hour weeks. You need to work 40 hours a week. If you do that, we can pay off this debt. Yeah, sometimes I do work 40 hours. Okay. spending it in the budget, according to the income that came in, not setting any money aside, you did. Okay, it should be going towards the debt three of ten, but sometimes if you had a low month, it would be bad.

And I know your debt's only going up, so usually it is bad. Debt, with all the IEO use, is going to bring it down. You don't have any collections or, well, you haven't paid IRA. You have IRS debt. You just don't know it. Zero out of ten. Emergency fund, no savings zero out of ten. There's no retirement zero out of ten.

Real estate, nothing zero out of ten. It's going to be a round up to be generous. What is it that you do? Hammer financial score. You said five out of ten. It's rounded up to a one out of ten. Make sure to join us in the post show. We have a lot of phone calls to make to people in her life and get their thoughts and perspectives on this. This is going to be insane. And make sure to check out all our education bundled together for 15% off. I'll see you guys in the post show. I want to call your sister. I just phone call her. You just phone call her.

Hello. Yeah, you good? She's sending you money now. She says she has to to send you money. That's her own tally, but yeah. She owes $17,000 to your mom. Oh, what? To watch the financial audit post show, click the join button below.