Financial Audit - Someone Finally Walked Off Financial Audit

Episode Date: December 6, 2024

WHAT A MOOCHER!!! She's not even paying *TAXES* his is CRAZY, watch the post show here https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join *BLACK* *FRIDAY* *SALE* Bundle my budgeting, debt + investing program for 33% off: https://calebhammer.com/classpack/ PLUS a private Q&A Click the link https://relayfi.com/calebhammer and get $100 when you sign up for a business checking account with Relay. Terms and conditions apply. Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® cards are accepted. Important: The creator is a paid influencer and not affiliated with Moomoo Financial Inc. ("MFI") or its affiliates. Content outside of the moomoo ad has not been reviewed by MFI and reflects the influencer's own views. MFI does not endorse any strategies mentioned and is not responsible for the influencer's services. Click this link https://j.moomoo.com/Caleb to get up to 15 free stocks from moomoo U.S when you make a qualified deposit + earn 8.1% on uninvested cash for a limited time for new users!! Terms & Conditions Apply Sign-up for Rakuten and get a $40 sign-up bonus: https://www.rakuten.com/r/CALEBH767 ▶▶▶Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶EDUCATION: 1) *BLACK* *FRIDAY* *SALE* Bundle my budgeting, debt + investing program for 33% off: https://calebhammer.com/classpack/ PLUS a private Q&A 2) *BLACK* *FRIDAY* *SALE* The best budgeting program online: https://calebhammer.com/budget 20% off 3) *BLACK* *FRIDAY* *SALE* Get my investing class and I’ll give you a $100 moomoo cash reward: https://calebhammer.com/investing 20% off 4) *BLACK* *FRIDAY* *SALE* Win with GOOD debt and get out of BAD debt correctly, learn in my debt program: https://calebhammer.com/formula 20% off 5) Get your own free Hammer Financial Score: https://www.calebhammer.com _______________________ ▶RESOURCES 1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 3) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4) CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course: https://coursecareers.com/a/calebhammer 5) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6) Advising: Book your free strategy session https://dmnmny.co/caleb to work with Adrianna or any of the other CFPs at Domain Money today! 7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/ 8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer Learn more about your ad choices. Visit megaphone.fm/adchoices

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In fact, we're so confident restoration is guaranteed, pour your money back. 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. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You have a loan on the membership? If you fucking wait and listen. I'm reacting, girl. People can fucking react.

You're making assumptions, not just reacting. The membership you could cancel, I would be okay with this. I'm just saying my opinion. You know, the fucking guy who runs the show? I just don't like people talking over me. Oh my gosh. You're so much. Are you coward?

Where are you going? You can't handle this? Hi, my name's Rachel. I am 29 years old from Sacramento, California, and this is financial audit. Oh, thanks for coming to Austin. What do you do for a living in Sacramento? I know. I mostly do kind of, I would call it freelance.

So I am a pet sitter. Okay. I do house sitting. And I also work as an administrative assistant. Like, I know some people who do pet sitting, like one of my original guests on the show who I met doing a second show we did on the street. Dude makes like $250,000 a year of pet sitting. So this could be good. What do you do?

How much are we making? When I was doing it full time, like working myself to the bone, this was a couple years ago. What are you making now? That's what I care about. Now, this is my first month back into it. I have a proposed $600 income this month, but I know, I know. I just waged for my stress ball here in that. Uh-huh, uh-huh. There has to be more than that, though.

because we don't allow people to come on unless they don't have income anymore. So there has to be more. What? That is some income. Okay, but it's not real because we can't do anything with it. So what? I know. What?

I make another probably $2.50 a month from the admin work. I am being specifically told that you have income. What is the money that comes in? I'm sorry. I'm not trying to be rude off the bat. This is like we have been very particular about making. sure that people come on that have income. Well, yeah.

I mean, I shared all of that when I sent in my documents that I kind of like. Yeah, we had payroll deposits. Yeah, because I had. I just recently separated from a company. Okay, well, that's different. That is a different situation. Okay. Well, I will allow, why, what was the separation?

I will allow that. It was a difficult situation between management and I. So I did get a severance. and um so you got laid off. Okay. Your phone's flat. Sorry. I turned the vibrator off.

No, it's flashing at me. I know. That's the notification thing. I can, I don't know how to turn that off anymore. Probably accessibility. Flip it upside down. Well, then this.

So I don't have a seizure. Can I let me just put it in your pocket. I'm sorry. I'm sorry. Oh. Okay. Um, I was, uh,

I was, uh, just trying to look at you and I don't think it showed up on camera, but it was just like, yeah, yeah, okay, okay, okay, okay, okay, okay, okay, okay, okay, yeah, we had payroll deposit of 2,8336, so that's what we went off, and that's what we cared about.

Yes. That was severance. What was this job? I was a remote registered vet tech, so I do carry that license. Oh, oh, great, and we can get into vet. Vets usually understaffed in general, right? Yes.

Cross the board, especially on the emergency part. Yes. Okay, great. So, well, you got laid off. Why did you get laid off? You scared all the dogs with your laugh? No. Um, no. So, um, it was, like I said, it was from home. So there were no animals involved. But as far as why separated, there was a whole thing about ADA accommodations and my boss just started lying about me and stuff like that.

What are the accommodations that you need? I have, um, both physical and mental ADA accommodations. So I have a physical disability that affects my collagen. So. So. I have a physical disability that affects my collagen. So. So. none of my joints work. I don't think vet tech would be a good job for you. I know. I know. It's not anymore. Very on the feet and bending over. I know. I haven't been in hospital since 2019 because of this. That makes more sense. Maybe we, okay. We start looking for different career fields at that point.

I know, which is why I'm... Because 2019 between now and here, like, trust me, I get it. And it sounds like something that may be developed over time. And I have sympathy of that. If it was starting today and, you know, we would start planning for the future, that was five years. You had five years to think about your future. Five years isn't significant in the span of a lifetime. Yeah.

So isn't insignificant. I did think about going back to school. And then I got this job back in December of 2023. Remote vet tech. Full-time remote vet tech job. How do you be a remote vet tech? Customer care. So when people call about pets.

And what were you making in this job? Because maybe this is another job that we can get somewhere else. Hourly. I was making 23. And how many hours a week did you work? 40. It's a little hard in California. That's expensive.

Friken money is kind of... Yeah, right? Yeah, it's stupid. They don't build housing. It's a really ineffective place to live for being able to afford to live. And I did own a house. I did. Wait, did.

Past did. You're 29. Mm-hmm. That's incredible. I purchased at 23. I had money. I was real good with money. And then...

Okay. So then I will ask then. I would just ask. What is going on here? So I was with a guy. We were together for six years, but we were only married for two weeks. Okay.

Uh-huh. It's kind of a hookup of an marriage, okay? Blew up everything. Everything. Hold on. Yeah. But you were together for six years. Mm-hmm.

Mm-hmm. Mm-hmm. Mm-hmm. Mm-hmm. Okay. Right. Yeah. Wow.

Yeah. Okay. So, yeah. Why did we divorce after two weeks? So. Did you keep laughing in the middle of the night? No. Okay.

I enjoyed my life. My laugh. Thank you very much. I'm poking at you. So right before we got married, I came out as bye. And then we decided to continue with the wedding. I really wanted a girlfriend. And he was.

Oh. I know. He was iffy about that. And then I decided that women probably weren't enough because our life was really horrible. Why were you getting married? You knew you wanted to have a girlfriend. He wasn't a girlfriend. And the sex life wasn't there, which a lot of people find to be very important. Me included, like it's normal. Yeah. So why do we go through with the marriage if it ended in two weeks? Because I knew I always wanted to be with him, like for the rest of my life. I just did. I didn't know. I just, obviously not well.

I just didn't know that I always only wanted to be with him. Because like, I think I'm kind of poly. I didn't propose. No, that's not what I was going to ask. Oh, I.

Sorry. Poly, polypally, polymary. Polyamorous. Is that into everything? No, polyamorous is having like multiple partners. Yes, okay. I'm less good at the FI's terms. Okay.

It's, it's not a relationship. but sure uh-huh yeah yeah okay well that i was actually just going to ask were you proposing having an open marriage yes yes okay and i i offered him the same thing and he was like i don't even want that were you not willing to then not do that i was at a point in my life where you just got married yeah i feel a lifetime commitment okay i know i i know i've got sure um but i wasn't at a point in my life I was really scared. I like COVID had just happened.

I was discovering all this stuff about my own. What year was this? 2020. Okay. Yeah. So I don't even know if we're fully divorced yet, to be honest. What do you mean? Like legally.

Really? Yeah. Because he called me the other day. You messy? Yeah. Is it messy? It's, it's not angry messy. Okay.

It's. Then why not get this figured out and settled? Are you with anyone else? I was right now I'm single okay then we would want I feel like we would just want to settle out at least for the comfort of someone else once you're with them yeah it's it's still hard emotionally what to I know but okay I see okay you're into polygamy that doesn't mean you can't be monogamous though right and I have discovered since I why did you give up two weeks I didn't give up he gave up he called it so you said I want polygamy and he was like

like no monogamy no monogamy oh wait no no maogamy yeah so he halfway agreed to it and then he took it back and threw his ring on the table okay that's ooh yeah which is hard with that almost sounds like kind of an emotional moment surprised there wasn't like a regrouping after like thinking about it i tried for a long time okay okay well i'm sorry i know me too that's really hard me too four years ago yeah okay and he contacted me everything the other day looking for a place to serve me. And I said, I don't have an address. We got there. Oh, it's a Washington monument. No. It's just a, like a stimulation chewy. So that because like, you know, ADHD, tism, you know. I apparently have tism because I have this little thing and I'm just always like,

yeah, yeah. But this is because I like to play with things. It's for my nervous system, which is real nervous. Not right now for any reason. Okay. Okay. So the life blew up? Yes. What did life blow up? You know, we said what happened. You said that happened. So what, what is happening? Right now or then? Just what does, what are we looking at? Right now or then.

How do we get here and where are we? How do we get here? See, that's the then question. So how did we get here? 2019 injury. Late 2019 injury. Right? Remember how I got disabled.

Okay. Oh, you said college an issue. Yeah, which because. It came from an injury or an injury happened? You didn't tell me about an injury. Right. So I had an injury November 2019. Okay.

And that never healed when it should have healed in like three weeks. And so from November to January, I was doing physical therapy, taking meds, acupuncture. Okay. I apologize. Where are we at today? Okay. So today I have applied for disability several times since 2019.

I have been declined. Okay. Because I'm not disabled enough. What kind of makes sense. I mean, you can do a lot. I could do a lot of physical labor. Exactly. And there's not, I mean, most desk jobs are not physical labor jobs.

Right. And in California, there's a lot of information systems type jobs. It's less of going into the coal mines kind of state. Yeah, definitely. It's really hard because it's hard to not be able to do what you love. What do you love? The vet? men. Okay. Yeah. All right. Well, I mean, you did this job and then he got laid off because you

weren't doing it well, I guess, or something maybe. No, I was doing it well. Well, you got laid off for a reason. Yeah, because my boss did, I was, I stood up to my boss and she did not like that. Well, hold on. Was it like true disbordance, like? No, it was, she was saying I was doing. Disabordance. Disobedience. No, subordinates. No. Subordinates? Subordinates? Insubordinate. Ah, that. That. That. It was. A, insubordinance. There we go. We got there. Okay. Yeah.

Because it could have been that. Like, if you blew up in an inappropriate way, that is cause for fire. No. So it was all, like, we would have these verbal meetings. She would say, you know, we would come to an agreement. And then when she would write up the written for HR, it was different. Okay. And maybe you, I'm playing, I always play devilic advocate.

Of course you do. Maybe you, like, interpreted the conversation different. Um, her and her boss are BFFs. Like they went to college together. Cool. How does that mean they want to fuck you though? Why would they want to fuck you? She was intimidated by me because I called her out.

Usually when people say that the other person's not to be very clear. Because I called her out on her shit. Like any time I've ever heard someone say, that person's intimidated by me. They're not. I wasn't the only one that said that. Pay attention to that person existing. I, well, she paid attention enough to make up lies. Okay.

What were the lies? What were the lies? The lies were that I was doing something incorrectly. I shouldn't get into specifics of that job. But that I was. It just flashed me again through the paper. That thing is trying to give me a seizure. I've never seen this in my life.

Thank you. You're welcome. Easily distracted, obviously. Always. She didn't have, the company didn't even have SOPs. Okay, it was the small? Was it getting started up? Because sometimes it takes a while for companies to grow.

So it was, it's been a company for a long time, but it got bought by another company. So it should have had SOPs from when it was its own company. Okay. So we got laid off. Yeah. Long story. You asked why. So I was telling you.

Sure, sure. I know. I'm just, I'm getting us forward, moving us forward. Uh-huh. Got laid off. Uh-huh. How long have you been laid off now? Literally October 25th.

And today is. Okay. So that's okay. This is different than the people who just don't have a job. You recently got laid off and now we're in that we need to get a job phase. And I have a lot. Okay, good. Good.

Okay. I have applied to a million places. It's only got a couple weeks. It's okay. No, before, before, because I was thinking about just quitting. Okay. Well, we can go, maybe we'll go through your resume later. Okay.

I would feel like that. Oh, we have your resume. Yes. Good. Good. We'll go through it later. We'll take a look at things. Okay.

And we'll take a look at your job experience. And, you know, everything. Okay, but your finances. Listen up business owners, especially those with messy bookkeeping. Early on, I tried handling tracking every expense myself. Big mistake. And as a business owner, time is your most valuable asset, and I was wasting hours of mine sorting through receipts.

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Where are we at today? You're not making money. This is what I've kind of been trying to get to. Yeah, yeah, yeah. But just temporarily, you haven't been making money. So that's okay. This, a lot of what we're looking at here is in a temporary situation. This has been a situation that likely takes years to get into.

So why? Because what has been happening? Like I said, prior to the separation, I had money. Prior to separation was like five years ago. Yes. And then over the course. Are you saying this was a five-year operation? Yeah.

Okay. So what happened? I'm getting there. Okay, okay. Okay. Patience is a virtue, Caleb. And I don't have any. So I made a lot of pretty intense, impulsive decisions during that time.

So since I own the house, I was under this fairy tale that I was going to live there forever. And so I put lots of money into the house, which I should not have done. Well, depending. there's stupid money to put into a house and then there's smart money to put into a house. It was probably stupid money. What did you do and how much? I poured 17 grand worth of concrete.

Concrete? What did you do? What were you doing? So it was a quarter acre. The house was on a quarter acre. Okay. And I concreted around the perimeter and then a huge, like all the way to the back of the property

a flat like for trailers or sheds or whatever. Why? Because I wanted to live there for, and I needed shed. and I know. What prevented you from moving then? Why didn't you live there forever? I'm okay.

Do whatever you went to your house if you are going to live there. And I also put solar on it. And then that was. That's expensive. I know it was so stupid because I ended up having to pay it out when I got, when I sold it. Why did you sell it? Because I didn't want to get foreclosed on.

Why would you've gotten foreclosed on? How much was this? What was the loan on this thing? We bought it for 300. Okay. And then I didn't refinance. I did like one of those where you take your missed payments and put them at the end of the mom. Why were you missing payments?

What were your payments? What were your payments for $300,000 with the low interest rates of COVID? What were the payments? Two grand. Why couldn't we find $2,000? I'm not saying it's an insignificant amount of money, but why couldn't we find $2,000? Because I. Was this post separation?

Yes. Okay. Well, that's a difference. and we know that you break when you go outside. I do break when I go outside. Yes, yes, yes, yes, you didn't have a job at that point. Okay. Yes.

Correct. And then that's when I started because I was on state disability for a year after my injury. But they don't tell. What was your injury? I had a right wrist injury. It was just simple tendonitis. But because it didn't heal, that's how they found out I have the collagen disorder. So it's still.

I can only lift three pounds with my right wrist. Mm-hmm. Yeah, but that didn't mean, lifting isn't the only kind of job that exists out there. I mean, the most I've left in this office is like my cup of coffee. But when you have a specialty license, they, they like give you that, you were supposed to be able to do this. Of course they give it. Yeah. That doesn't mean that's where you have to go.

I know. I mean, you're missing your. So obviously this wasn't. Not for the first long while, because I had a big statement now. I'm going to get into your finance. I'm sorry. This has been going for a moment and I just need to know. But self-assess first.

It's always important. I want to see where you think it is. 100%. You think you're a zero out of ten. Which I think that your scale is a little skewed, just to be honest. Because as you state it verbally, you're like zero being the absolute worst. Yeah. I don't think that everybody is at a zero.

Like the absolute worst. Well, not everybody said a zero. What are you talking about? I don't think that the average person, and I know average is a whole thing, but I don't think that somebody in my situation where I have a roof over my head is the worst possible. Yeah, I mean, that's certainly over exaggeration, right? Yeah. But if like your debt is kind of like, yeah, it really doesn't get worse than this because like sure you could add some numbers. But at that point, it's just like like this is like that's still a zero.

Like for the debt score and then it all compounds throughout there. No real estate, zero, obviously. Yeah. So it still becomes a zero. Sure. Yeah, you could be homeless under a bridge. It's a little different, but. I'm just homeless in a cardboard box.

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Okay. So. I see a Subaru. You look like a Subaru kind of gal. You have that California Subaru girly energy. Thanks, I think. Yeah, I'm going to go camp in a forest somewhere. That is actually where I live. In the forest? My house is a 17-foot tear drop trailer.

When you said roof over your head, you meant a vehicle. I meant something with a bed in a kitchen. shower. A shower? Yeah, the toilet's inside the shower. Oh, good. Yeah. Okay, sure.

So I got all my... No, no, no, it's better than not having a roof. Thank you. It's a technical roof, but that's not usually what people think. Mm-hmm. Okay. It counts as homelessness in the state of California. Yeah.

Yeah. Because it's a vehicle. Uh-huh. But okay. Okay. Okay. Okay. Well, that puts things a little more into perspective before.

So is that the Subaru? That's not the Subaru. I tow it with the Subaru. Do you have like designated spots or are you just everywhere? So I have a- It's gonna be harder for you to have a job without a permanent address. You bet you this. Okay.

Why do you think I can't go into an office? Because you know, permanent address. Uh-huh. Why don't we work on? You were making money until a couple of days ago. It's like if you were in this situation forever, I'd be a little more. I don't want to be. But I'd be a little more, okay, it makes sense.

We can't afford a place over our head when we don't have a job. You literally had a job until right now. So why weren't we trying to get a roof over our head? I have a roof over my head. Come on, you know what I'm talking about? The permanent address. I don't want one. Okay, congratulations.

Then you're probably going to have a harder time getting a job, and then you're probably going to live in poverty and then fuck you. Like, that's the end of the conversation then. It's like we just determined. There are just determined. Plenty of remote jobs. Cool. How are they going?

Not well. So we literally just determined that you, you would have a better chance of getting a job if you had a permanent address. And you know how much more money that would cost me per month? Yes, but you had the stable income. Yeah, I had the stable income living in my trailer. Stop. In that, even if a little more expensive, trust me, I get it.

It would have been more expensive on a monthly basis. I really do understand that. But it would have prevented the situation you're in right now, extending longer than it needs to because you would have been able to at least get. Listen. I'm sorry, it makes sense. If I'm hiring someone as the boss of this place, it makes more sense making sure that someone lives in a certain radius here because it is more guaranteed that they are going to be here.

Because you invest a lot of money into an employee when you're first getting them set up, especially you, and then it's time and it's energy and then replacing someone as even more time and energy. You want the best chance that they're going to succeed. Hiring you would be on the lower chance of going to. to succeed of an in-person role. But that's the thing is in-person role is just not. You don't have to lift everything in in-person.

No, no, no. You could be in an office. What are you talking about? It's not about that. And what is it about? It's about my mental health. Oh, for my sake. I know.

That's a value of mine. What? It's a value? Yes, a value of mine is to not put myself in a situation that's going to make me much, much worse for my mental health, especially. considering I have ADA accommodations. You haven't told me what they are. Because you didn't ask.

Yes, I did. I and I said mental and physical and you didn't ask for elaboration. Elaborate. Thank you. My ADA mental accommodation is up to 32 hours a month of time off that is paid, typically. and it is for it's typically a half day every other week and then is that forced federally i don't know what that means i because i'm not i don't do the hr so my other guy like if there are anything like that he's making sure we're following guidelines and stuff like that is that

forced federally that someone is not allowed to look at that when determining hiring because i know there are disability protections of course is that specifically because it's not why the what i pick you over someone who i know will call come into work without the hassle of me having to re-orchestrate everyone else's office in a small business around your life. Mm-hmm. Mm-hmm. I don't think that they are allowed to know.

Plus, like... Oh, allowed to know. Well, that's different. I mean, more discriminate against it if that's a thing. I know there are certain things you can't discriminate against. I don't know if it's that one. I don't either. So that's...

Well, why wouldn't you know? Shouldn't you be the one that does know? You and HR? Well, HR... You were just complaining. about it at the beginning that the other company wasn't following it, but now you don't even know if it's a legal requirement. What do you mean wasn't following it?

You said the other company wasn't? I said there was an issue with it. Did she not say that? I heard her. Plus, I just, plus, throughout this situation, my therapist has come to the recommendation that I not have like a direct boss. Girl, you're not going to survive. Yeah, no.

Okay. I really don't understand the purpose. purpose then. This doesn't make sense. You're not going to survive in this world. Everyone has a boss. Do you? Yes, the audience. Uh-huh. I have a boss. The platform that I'm on. I have to follow the rules and regulations. Or else, no, no money. Kind of like when I was pet sitting and making two grand a month and I was my own boss. Kind of. I mean, there's still your boss, the people hiring you and paying you. Yeah, they hire you and they don't have to hire you again. What the fuck are you talking about? Because you... There's a direct level of management.

that might be different, but there's still your boss. What's the fuck? Your boss versus your income is different. So your boss is who sets your schedule. They do. They hire you. Exactly. That's what I'm saying.

No, listen, if people aren't willing to hire you based on the schedule you say on Rover, then they are still setting your schedule because they don't want to hire you based on your schedule. That's not setting my schedule. Setting my schedule is what days I'm available to do that. You can say going into a job interview, these are the days that I'm not able to do things. And they will still judge. you're hiring based on that, just like someone on Rover is judging your booking based on that. That doesn't make them my boss, does it?

Okay. It's just viewing in a slightly different way. Whatever, that's okay. I think you want to view it on a very, like, corporate overlord versus, like, you are accountable to someone. I am accountable to myself and my clients that I promise that I make. You're accountable to fucking Subaru because you owe that money and you signed a contract. Yeah, that was a... And you're like, I don't want to have a boss.

Well, he's such a therapist that you certainly have a boss. And I'm a little concerned by that. Big advocate for mental health, but she kind of fucked you with that one. Because I think she cares more about me being alive. Yeah, you need money to survive. I also need to not. But also. KMS.

No, I get that. But there's always different levels is the thing, right? Like, I want to comment this from sympathy, but I'm also always coming at it from logic as well in Devil's Advocate. The thing is, is there's so many different levels. levels of bosses. You can have a non-micromedgy boss that, you know, he's still, or or she or whatever, that person just says, like, here's the goals we're trying to hit. Can you help us get there with your experience? Over the McDonald's manager that's like looking

behind you as you're dropping fries and the oil, you know? There's different levels. Your therapist is saying, I don't think you should have a boss feels kind of like a disservice to me. because there's so, so much in between different levels of what a boss looks like. Even you have figured that out without figuring that out when we talked about the rover thing. Okay. So where I lost my train of thought. I'm so sorry. Can you repeat the last sentence you said?

Please. What's your plan for survival then? That was not the last thing. No, but that's what I care about. Because you're like, I can't do this. I can't do this. can't do this, I can't do this. At that point, it's like, then what?

Exactly. So my next step is to the company, we did sign an agreement that they will not contest unemployment filing. So I am moving forward at that. I had to wait for my. How long are you at that job? Ten months. Are you going to qualify for our employment?

If you're over six months, you qualify. Six months, okay. At least in California. Yeah. So your job is to be on unemployment. And then do my pet sitting slash hot sitting. We know you can probably do more. Which I'm hoping to.

Listen, and I'm not going to get you in a dangerous position. I understand what you and your therapist have been talking about most likely based on your things. Like I do kind of get it. Sounds like you just can't have a direct and authoritative person. Exactly. But there are other levels of boss. Which I do. You are.

I do. But you're just counting yourself out from the. workforce other than just independence. I agree. In the workforce, small business is 50% of the GDP in this country. You know, that's just the majority of jobs. Which I'm doing. Okay. You brought in $400, you said. When we said small, I didn't mean like micro level of business. Like we're talking a small business like this is a small business. Well, this is a very successful small business. Yes. At a certain point, once it's like not surviving and $400 is not surviving. Hmm, but I'm trying.

That doesn't mean anything. It does because if I wasn't trying, I wouldn't have a risk of my head. You get, girl, you don't. Which I purchased in full. The state of California who trust me, they are pretty on that side of making sure everyone feels yeah, yeah, yeah. They don't define you as having a roof from your head. But I don't go cold. You don't pay your bill.

I've, you lost your, you were forced to sell a house. Have I missed recently? You were forced to sell a house. Uh-huh. I was. Your dream house that you wanted to live in. So don't tell me that you're doing great. Two years ago.

I'm trying is not anything. You get rewarded with dollar bills based on something you provide. You do not survive off of participation trophies. Mm-hmm. But. Become a little bickering match instead of going into your, I'm really meant to go into your numbers. You did. You did.

But I got that. diverse package. So, that's not, that doesn't go very far. Yeah. It was one month's space. Especially in California. Yeah. So that gave me a little bit of cushion, which is good. You were only there for 10 months. So one month for one month for 10 months, that's actually not very, that's, you know, pretty okay. Pretty okay. Because they didn't want me to sue them. Good luck with that. Okay. You know, even. The lawyer didn't say good luck with that. So thank you. You have a lot of agree. Uh-huh. Okay. Black Friday starting today, Black Friday. starting a day all the way through December 6 you get our entire educational class bundle for 33% off you also get 20% off everything else including merchandise i've even added four new sections into our budgeting class which is cementing it as the best budgeting program online

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Things can be thrown out in a heartbeat. And again, you don't even know your own legal qualifications for what you're saying you're talking about. and what you're saying you're having. Neither do I. Right. So we're in the same position right here. Yes, but you're overly confident that one, they were intimidated by you and two, you could suit them into oblivion. Not into, I didn't say that. Come on.

You exaggerator. Yes, but you're making it sound like they're terrified of you. Why else would they give me a month's effort and unemployment? Maybe they're a decent business. If I was forced to let someone go, I would want to give them a big chunk of money so they had a chance of survival. I would. Not everyone out there's a horrible piece of shit.

Correct. And I agree with that. That doesn't mean I'm intimidated. Jake, if I fire you tomorrow, I promise I'm not giving you money because I'm terrified of you. Lindsay said I should, you know. I don't know. He thinks six and a half is huge.

So it doesn't really scare me. Sorry, that's like membership post-show conversations. We'll save that for like. Either way. Number me, baby. $23,302. So this is a really high balance. When did we get this?

January 2020. Okay, so we've had it for two years. Well, basically almost three. And that's still an incredibly high balance. What is this? 72 months, 80 whatever months? Well, which one? Probably 72.

Okay. The $5002 minimum monthly payment, more than your rover income. Great. That's going to get us to our next. I said I had a projected of 600 this month and I'm not booked up yet. Oh, guys. And I get like.

We have $100 left to make everything work. Every day. But how are you going to, because this is what gets scary, right? It's just like because you didn't allow yourself to have a permanent roof is preventing you from getting an input. I do have a permanent roof. Shut the fuck. You know what I'm talking about.

I know that you think you know what you're talking about. If you let, if you would have let me make my point, you would have understood the importance. because you don't have the permanent roof because of that, you're having a hard time getting an in-person job because that's what they consider to be a permanent roof. You get it? Cool.

A permanent location and a permanent roof? Different. Permanent roof means I don't get rid. Girl, if a bird flies into that, the roof's gone. I don't know. Have you lived in a trailer? I think I have a little more experience on what my trailer. I had very close family members who lived in a trailer

that I was over there often, okay? Okay. So you know my trailer and that my roof. Oh my gosh. You are so, shut the fuck. Listen, I'm just trying to. Hey, don't get mad at me for, standing up to myself. Standing up to yourself.

To you. Standing up for myself. To you. Yes, I slipped up one word. Listen, if you had any, like, justifiable, rationale behind it, I would be excited. Behind having a trailer, you haven't asked me yet. Not that.

About you interjecting every second right now. And usually I'm the one that gets in trouble for interjecting. So listen, I'm just saying because you didn't focus on getting what society considers. Society. Will I ever be able to get this point out? Not if you keep saying things that I don't agree with. No, I don't care if you agree with. I'm saying what society says.

Society. But the point I'm trying to make isn't based on your opinion or my opinion. Okay. So let me make it for sake. For sake. Because you didn't take care of that beforehand when you had a stable source of income. it is preventing you from getting a stable source of income because you have less places you can get a job at. Now, this is in a similar vein because you have such a high car payment, high loan balance and a high term,

the moment something bad happens to this, just like your past job, let's say it gets totaled, or let's say your income goes dry and you lose it because it gets a repoed, then that is now preventing you from getting to your rover job as well. You're setting yourself up for these failures if something goes wrong. You are not allowing yourself to have any security. You are setting yourself up for a disastrous life because you refuse to one, you don't need a $23,000 car is what it is now. It was probably 30,000 hours when you got it. You didn't need that.

More than that. Uh-huh, exactly. You don't need a $500. What? I special ordered it. How do you special order a Subaru? Because it was before it came out. So I bought it in, so it's the 2022 and I bought it in December of 2021.

Sort of. I ordered it in December of 2021 because they didn't come into a dealership until later. That's what I went. Because that's what you needed. Yeah. Let me guess. This was a mistake. I've heard that a few times this episode.

No. So at the time it was. was in what I considered. I don't know if investment is right. You consider a lot of things. I do. As does everybody. No, no.

You consider a lot of things incorrectly. Like you consider a permanent residence. I don't think that's incorrect. Well, it's not, no, no, no. This is a moving trailer. This isn't even one of those like mobile homes that is in a lot. Right. I wouldn't want that.

Exactly. You're in very much something not considered permanent in any way. You're moving it always. I am moving it always. Oh, we're not going back to that. Continue your point. Okay. If I remember my point, what was I saying?

Do you think you're employable? Oh, yeah. Why? Because I have a lot of skills. Which are? So I have many years in customer service. I have the medical knowledge of an RBT and my license. Do you think you, I'm just being genuine here.

Genuine, I don't want to insult. I mean, that's your job. You're excited. That's not my job. That's, you know, I have a little bit of energy to me. So that comes with my show. Mm-hmm. Mm-hmm. Mm-hmm. Uh-huh. Not going to disagree. No, of course not. I mean, you watched the show, so. For the past week. Of course. Really? Only a week. Yeah, I stumbled upon your last Monday. I saw one episode and I'm like, eh, some gigs supply. Time to take your trailer to Texas. Okay. So. I thought about it. It would have been more expensive.

So. Oh, that's what I was saying. My car. Your existence and how you present yourself and how you talk. Uh-huh. Listen, you know, actually let me associate this to me for an example. Uh-huh. I actually did have to do some customer service there for a bit when I started my job. It was mixed your customer service and sales before I went into sales, my first post-college. Mm-hmm.

Sales of scummy. I would not, huh, sales is scummy? Mm-hmm. What if you sell like something good? We weren't selling something good, but you can sell good things. And still try to get the most. I need you to, I take the bait every time with you. I take the bait every time.

Every time you say something, I will just, okay. I wouldn't be good at customer service because I'm. Are you sure you'd be good at customer service? You're all over the place. You're loud. You're a bit abrasive. Here in my personal life, that doesn't mean that that's my, my. This is all I know about you.

I know. So that's what I'm asking. Because this isn't an interview. Huh? I said, because this isn't a job interview. It is an interview. Right, but it's not for employment. So why would I present my employment personality when I'm not here for that?

No, no, no. This isn't about how you do it in an interview. It's about how you do on a daily in a job. Just trying to figure out if you would do well in a job. I mean, I've had customer service positions. You've been laid off. Once. Uh-huh, because they were intimidated.

Because there was a possibility that they were intimidated. Oh, it's a possibility now. Why else would you start lying about it? about somebody. Okay. We're not going back to it. We're not going back to it. I fall for it every time.

I'm so easy. I'm so easy. Guys, I'm too easy. Too easy. Okay. Okay. You asked me about my car.

I asked you about your employment skills. Right. But previously the sentence that you wouldn't let me finish. I'm going to leave the interview on my job. Okay. So how about you follow the current track? Your employability skills. Mm-hmm.

Do you think you're employable? You say yes. I say what skills. You say you're good at this. Because without the employability, this conversation is pointless. So I want to see why you think you're employability. and I've been trying to tell you. Well, you tried to go to another part of the conversation, so that's incorrect.

But go ahead. Continue. So like I said, I've got lots of customer service skills. I have administrative skills. I have the medical knowledge and the medical license. I like that one. Yeah, thank you. It did cost a lot of money.

And I worked three jobs during college. It was hard. Anyways. We have a lot of student loans here. Yeah. Um, so, yeah, I mean, I've, I've got, I mean, we can look at my resume later. Let's look at your resume. Can I have it? If someone wants to slack it to me, that'd be chill.

I have it on my phone, too, if you need it. Oh, that works. Okay. Yeah. Let's see it flashed me with its light. You're trying to assault me with, you just want me to start season so that this conversation finishes. Google Drive. That's what I'm looking for.

Guys, she's qualified in technology. She can pull up Google Drive. You're such an... I am. I'm sorry. And I just don't want that on screen, but you can... Of course, of course. Finally, a resume that doesn't look like a piece of shit. We have a lot of...

Resumays on this show. I appreciate that. Location. California. Correct. I don't leave California because I'm on Medi-Cal. You're here. I meant living wise

This is so vague If I'm trying to hire you in L.A. and I see California, I'm like That's why I only apply for remote positions Which is becoming so much more scarce And because of the scarcity in everyone wanting them They are the most competitive jobs in the United States Yeah, I've had a A New York based and a Texas based

I hope so And then right now I'm doing my tattoo artist for her admin stuff. Okay. I will say your passions and interest, definitely you can start vibing politicalness from it. Because you can start

vibing, listen, I'm not against someone who's for animal rights. Obviously, I am too, or human rights, environmentalism, mental health, you know, authenticity and kindness and, you know, that kind of stuff. But once you start putting that as a just as important as the key skills on here, I start seeing that.

And, well, I can see other people seeing that as, oh, she's going to come in here. She's just going to cancel the company. What do you mean by cancel the company? You know exactly what I mean. There's certain people. I wouldn't ask if I did. Huh? I wouldn't ask for a clarification if I knew exactly what you meant.

That the moment is this is something like that there's probably a lot of places where it's just like, how do I want? or phrase this. Let me think about this. Where it's this like, why stir up? And like, I'm not translating it like this. I'm just saying some people could. Okay. Some people could.

That you could be in there. And the fact that you're layering just as equals your key skills, your environmentalism and all this stuff, it could suggest to a potential employer that you're going to be someone who goes in there. And then you're going to be making issues about a bunch of different stuff, just constantly. You're going to be someone who just gets offended, super easy. Like every conversation is going to be an HR thing. And it says, and that is, and that it's, it's not a bad thing that you would feel passionate about things. It's not. But it's you indicating it just as important as your

customer relations skills, your veterinary medicine skills, leadership skills, it's just as equal on your resume. It's the same size. Actually, no, passions and interest is actually bigger on your resume. So, good point. That would just, I got to say. Well, yeah, I'm not a, I don't have the show being an idiot. Actually, I'm an idiot on a lot of things. But this is the stuff that I'm, you know, I'm relatively good at this. Okay. And then work experience, it's all over the place.

So what we're having here, what kind of remote jobs are you applying for? Administrative, healthcare, veterinary care, pet insurance. Okay, so a lot of it's pet, and then we have administrative. And then in here, I have the mixture of both. What I would instead have is a resume focus on it. administrative and a resume focus on animal. And I get that you have the experience on both fields, but having one, two, three, four, five, six, seven, eight, nine, ten,

your last ten experiences post. Those are all of my jobs. Exactly. That's a bit much. Okay. I would have the most critical focused on what you're applying for. If you have to move a number a little, like to make things work, you know, it's not the end of the world.

Because, I mean, you're still not lying about your real experience, you know? Right. So, you know, having resumes focused on what you're going for, if I'm hard, you're If you're applying for an administrative job and, you know, 75% of this is I was working as a vet tech. I'm like, I'm probably going to hire the person that the resumes focus on administrative tasks. Yeah. Think about your budget, rent, groceries, maybe a streaming subscription here and there. But here's the thing.

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Don't miss out on Moomu's sign a bonuses either. Head to the link below or scan the QR code on screen to get started today. So it's just it's a this is two one size fits all resume. Hi. I didn't want to interrupt you again. Um, I as far as my like management and and shift lead positions, those were more towards the beginning of my work life. It's a, but it's at the top administrative assistance is at the top usually that's the most recent supervisory and management is what is what I meant because I was okay well then you typed their wrong no down here oh so you put your most recent at the bottom no if you would have let me finish my sentence okay thank you so much oh sorry you're welcome so much um so my managerial and supervisory experience was more towards the beginning

of my work history which is why that's down at the bottom okay but if I take off those first two jobs where do I put my supervisory? That's why I said maybe we tweak a number. Okay. I'm not advocating for lying necessarily. I don't want to be like on the record for that, but it's just like tweak. Yeah.

A little tweak, okay? Yeah. You know, when I was close to two years in product management, I started looking for another job. I said I was two years. I was close. Yeah. So like, tweak.

You know, all that matters in the end is can you actually bring the skills and perform at the company? Yeah. So those are the things I would focus on. You know, I wouldn't try to make it an advocacy resume. Okay. Because someone doesn't want someone who advocates for themselves. Not advocate for themselves.

Someone doesn't want someone coming in and trying to turn the organization on it upside down. That makes sense. You know? Yeah. It's like, that's what it is. You know, it's just terms of risk for hire. I get it. It's expensive to hire someone.

Yeah. And then if we do hire you and you don't work out, it's expensive to replace you. Yeah. What did you think about the little quote at the top? It was fine. Okay. Because I think that that's a little quote. really that's a big part of well reading that quote specifically i don't have it uh here but reading

that with the activism part i was like it was something about how change is critical and i'm also like okay if we're really focused i don't want you to come in this company and just because we like brent the historic figure on this channel he's someone that comes into job interviews and he's always like here's what i'm going to change a bunch of company when i'm going to do all this and it's just like right no one hires those people you should come in you should learn the structure you should learn And then once you are able to speak adequately about everything, you can push for reasonable good change. Change is not a bad thing. Right.

But no one wants someone coming in and just they're like, we, I know everything about this company. I'm ready to change everything. That's not what anyone wants. No. So it annoys everyone. Right. And I think the quote says like success is not the goal. Formative change is or something like that.

And that's where true success is. Oh, it's survival is not the goal. That's what it says. Okay. that's better. Yeah. Survival is not the goal. People want to see success when they're hiring someone. Formative change is success.

So what's the interest rate on this car? Because it's blurred. It's blurred. It's hard for me. It's hard for me. It's five point one nine. Not the worst. Yeah.

Not the best. It's in that like gray area of interest rates on a depreciating asset. Okay. I needed a car that would last me for a very long time. How many miles are on? How's the condition? It is 360 something or, not 300, 36 something thousand miles right now.

And it actually just got a brand new engine. How much was that? A thousand. Oh. Yes. Not horrible because warranty. Oh, okay, good. Yes.

Okay, what am I looking at here? Because you sent a lot of screenshots because you didn't really know how to pull statements. That's actually, okay. Yes. This is my lifetime camping membership. So that's where I get my water, electricity. place to park. So you do have a place you go to the most.

Yeah, if you listened to me earlier. I don't know. Okay. Yeah, no excuse on your end, huh? Sure. You said a couple of things incorrectly that I, but that's fine. So I just want to.

The record was hell on that one. So this is the loan. Once this loan is paid off, then I only have to pay the yearly. It's a loan to the lot? No. To the plot? loan to the membership. You have a loan on the membership?

If you wait and listen. I'm reacting, girl. People can react. I wasn't even asking a question. But you're making assumptions, not just reacting. I assume that it was a loan after you said it was a loan. To the law, to the whatever, but it's not. It's a lifetime membership, like I said.

So once that membership is paid off, I only have to pay the. Oh, good. Say it. I only have to pay the. annual dues, which is like $400 a year. This is a camping timeshare. Yes. This is a camping time share.

And you know what it does? It gives me free electricity, free water, a place to live. How is it to get out of it when you want to? Do you have to sell your membership? You do. Yes. Me. But I'm not.

But I'm not. If there's a membership you could cancel, I would be okay with this. I would be okay with this. Can you listen? No, one second. I'm just saying my opinion. You know, the guy who runs the show? Yeah, I do that sometimes.

And you're also the one asking me questions and I'm trying to answer. Oh, my gosh. I think you're so combative. It's interesting putting two combative people together. Mm-hmm. I just don't like people talking over me. We wouldn't. It's okay.

If someone talks over you, you're louder than them anyway half the time. So everyone will hear you regardless. But we wouldn't last. I would have lost. One, I'm monogamous, so. I wouldn't last. I wasn't looking for that. So I don't know why you had to bring that up, but.

I don't remember. We were talking about the membership. Oh, yeah, the time share. Mm-hmm. Yeah, the really stupid decision of getting this. Okay. Yeah. What makes this having a secure place?

Because you have to sell it out. It's less about the secure place. But why do I want to get it out? Because I don't want a permanent residence. You, dude, you are 29. You do not know what the rest of your life looks like. Mm-mm. I know.

Nobody does. Yes, but you've bound yourself to something that you would have to sell. Oh, a shit product. How is it a shit? Just like a time show, these ongoing dues forever. Until you have to. That you have to. Great.

Well, that's close. $400 a year for free electricity, free rent and a place to park is a horrible issue? It's a bad decision? Hold on. $400,000 is actually a lot of money to you. So don't try to act like an entitled Little Brat. Okay. All right?

You can't barely pay a $500 bill. I don't know how you're going to next month. So I don't want to hear about that. But also your total loan payoff is 8,135. So it's not just about that ongoing bill forever. So fuck off. It's obviously not the case. Interest.

Interest is accruing like crazy. Oh, good. There's also fees. So we're getting fees and we're getting an interest. What's the interest on this then? How do you not know? You signed up for... I signed up for it over a year ago.

So you thought this is good, but you don't even know if it's good. I know that I needed a place to live. I know that I need electricity and I know that I need water. So I have made work. That's less about that. I'm talking about the product itself. Right? Which doesn't make a difference if I don't have a place to live.

Yeah, we can figure out so many solutions. You're acting like this is the only one that exists in the world. I couldn't rent. You're so inflexible. I actually am hypermobile. But. Ha ha! So I couldn't rent when I lost, when I almost lost my house, couldn't rent, couldn't rent a room because I have pets, couldn't, I'm, how many pets do you have?

I have four and I'm fostering a puppy. In a trailer? Currently, well, we have all lived in the trailer, yes. I'm currently crashing on my mom's couch because. My house was in the shop for a week. Your trailer. Okay. And I got it back and I'm just working.

I'm getting my stuff back, moved into it. Is your car in good condition? Like mechanically or like... Yeah. And the car and the X, it's just the Lux and everything as well. It's got some dense and scratches. I mean, I... You might have an actual equity position in the car in terms of positive equity.

In good condition, it's valued at about $28,000. So maybe this is like $25,000. Or closer to your value at 26. Yeah, who knows? So you actually might, in your situation, selling it's so weird because, like, you kind of need it.

You need something more, you can't afford this minimum payment. You don't know the interest on here. I thought it would show on the payoff thing, but it didn't. Well, I would have shown the payoff. No, if you sent us a statement like we requested, it would have. Well, I don't get sent statements. You get statements for anything that's a bill.

Anything that's... I don't get it in my email, and unless it goes to a... You go to the... You go to the website and you download statements in a statement section. This is the website. Or you call them or you call them or you email them and they will send you a statement. Everything that has a bill has a statement. Good.

I'm going to calculate the interest. How about that? So I can do that for you as such a good friend. Thanks so much, Caleb. It's 22% interest. That sounds bad. It's very bad. It's beyond bad.

I needed a place to live. Listen, you don't get a, I mean, yes, you need, you are asking like it is the only solution. I wasn't there. We could have brainstorm. We're going to brainstorm before you're at now. But you act like, I can't have a boss. It's the only place I could live. You're inflexible.

A 23% interest for a cup of water and electricity is not a deal. An ongoing membership that you have to sell to get out of until you're 65 is not considered a good deal. It's a membership for not even a room. You know? It's like different. Like at least time sharing. You have a room.

So, but I have a room. I bring my whole house there. Yes, you bring it. You don't usually have to do that for timeshares. So you think when people go to a time share, they bring a room from their house and take it there? It is only two. I know you're going to say, only you can't afford.

It's only $250 a month to have all the electricity I need. Listen. All the water I need. You're not really being realistic right now. No. Because where... It's less about that. Oh, it is?

What is it more about? Your acting is the only option. It was. That's not... You're saying you can't have a boss. I don't believe you. You're not a good narrator. You're not a reliable narrator for what was like in that situation.

You're really not. Because I can't disclose details. Well, then how the fuck am I supposed to have what you consider an informed opinion if I don't have all the information? Don't be stupid. What do you mean? No shit then. The job thing wasn't what I was saying in unformed decision about. It was the or unaformed opinion.

It was the trailer and the camping membership. Almost nothing with the 22, 23% interest rate is considered a good deal. Listen, if this was maybe at a 5% we could have a conversation about that. If it was a membership that you didn't have to sell, we could have a conversation about that. You have to sell the membership before 65. And it's a 23% interest. It's basically a credit card. Uh-huh.

Okay. If you can't figure that out. My rent is $250 a month. I get that. I get that. It's not your rent because you're not getting an actual place. You're just getting access to utilities. Oh my God.

Those are utilities. Your pain. How is a place to live? Not rent. It's a place for you to put your trailer. Uh-huh. And have water and electricity. Yeah.

This is a $250 a month utility payments. And a place to live that's secure. I can't just I'm gonna move on. Like I can and I'm gonna have to live in an alley for a while. But that doesn't mean it's safe. So to be able to be at a campground three weeks at a time. I get it.

I heard it. I know what you're saying. I know what you're saying. It's not that I don't agree that it is. Listen, what I am saying is you're acting like it is the only choice and because of that it is considered a good deal. I wasn't there. But usually any, there has not.

been one time on this show, not one time in recording four to five episodes a week for two and a half years that when someone comes and they act like this was the only thing I couldn't find an alternative. If we were there when that happened, what, four years ago, right? Four years ago? Uh, January 2020. So it took me a long year. Almost two years ago. Yeah. So it took me a long year of planning the trailer that I could tow with my car and how I could brainstorm. We could look at resources. Uh-huh, which I did. And you did. Based on you, I've had other people do things and they think, again, something is the only way.

Sometimes when you talk outside of your own little bubble, you might get some more information. But it doesn't matter. It's where we are. You think that I only. I don't think you make a lot of assumptions. Just based on experience. Okay. That doesn't mean the right.

No, it doesn't. But at least I would have tried. And we could have tried to figure it up. It's. Because that's what that says. It's not based on you trying. I said maybe I could have come up with something. Maybe my team could have come up with something.

But that's the best. That's what I just tried to say. You wouldn't let me move on. Two weeks of marriage, huh? Mm-hmm. That makes sense. That wasn't very nice. $480 minimum payment on that.

So now we're at a $1,000. Are you okay? Oh, I'm sorry. That was not very nice. No, I was just trying to make a jab. I'm sorry. I did not mean for that to be insulting. Oh, okay, take a moment.

I'm sorry. Well, let's take a moment. Yeah. I'm so. Oh, no, it's okay. I was trying to play to the cheekiness for the show. Are you okay? I need to air.

Take a moment. You want to go outside? It's okay. Take your time. Take your time. It is no worries at all. I'm probably extra red now. That's okay.

You sure are you good? My threshold has been lowered a little bit. I don't know what that means. I'm sorry. Post panic attacks. it's a little harder to not have physical reactions like this. I have a panic disorder.

I get it. I understand it. Well, I mean, this is, gosh, you know, that's why we go through the whole onboarding situation. Yeah. Specifically ask consent if we're allowed to make, you know, rude jokes. No, totally. And I am not upset at you. But I would never want you to actually feel hurt.

That was, we would never want that. Thank you. Ever, ever, ever, ever, you know. I love cheeky little comments, and that's all that was intended to be. I know. Not a harm against you, okay? I know. I appreciate that clarification.

I very much want us to go through this, and I very much want to be able to create a plan. I want to connect you with our resources. Thank you. We'll probably be able to get you connected with a financial advisor. There's a lot of things I want to do, okay? And some lady owes me $10,000. So, like, court ruling. case. So some legal help would be cool to.

Why did she owe you $10 grand? Oh, gosh. So it's my high school boyfriend's mom. And she needed life-saving surgery. And then I lent her the money for it. And then it turned out it was a liposuction. So I took her to court because she never paid me back. Like our contract said. There was a contract. On the back of a receipt. I'm glad you did a contract. And the judge recognized it? Yep. Okay. Yep. So I got a No. When was the ruling? Ten years ago.

Okay. The past life has been rough. And it's not unruff now, but I'm a little more emotionally and mentally prepared to handle it. Ten years. Okay. Okay. Are you sure you want to continue with the conversation? I don't want you to get, because I know these conversations are hard and I know, you know, my personality when I get,

very invested and everything is definitely over the top of that's that's why we try to prepare everyone but i know that was a that was an unexpected response on my end no and it's totally okay i just want to make sure do you want to fish this like we i wouldn't want to yeah i do and i'm i'm okay with crying um i know that it'll a little bit of the of your you know whatever you got going on here i don't think so no i just don't want to i just don't want you to be in a position where you don't, you don't longer feel comfortable to be on the show. No, I'm, I'm comfortable. I am a pretty open book.

I do cry. It's okay. We have tears on the show. Yeah. Actually, in vet med, there's a medical term epiphera, and it means excess tiering. That's like when white dogs get that gross stuff. And all my coworkers always tease me that I have epiphera. All right.

So let's go on, yeah? Let's get it. Let's get it. I don't know what to call. that last thing. I'm going to call that. It's Thousand Trails, so I just call it TT. I call it Utilities Time Chair.

Okay. Okay. Dokey, don'ty. What is this? Again, this is another thing where we didn't get statements. It looks kind of maybe like an affirm. It is a firm. Oh.

So it's a firm. They are all Amazon because I have an Amazon addiction. I know. What's your, what's your, are these paying fours? What is it? How long do you have these firms finance? Because there's so many options now.

Do you know? No. Well, I mean, it looks like you barely made any progress on them. I mean, I'm... What are your Amazon? Can you show me your Amazon? I sure can. Okay, $727 and $60.

One thing I do have to say on my Amazon is I try to refund issuance failed. Sorry. I try to find things. Not only do I do a lot of research before I purchase an item as far as, which is the best on Amazon. Okay? I know that doesn't make a whole lot of difference.

But I try really hard not to make like frivolous purchases like, you know, perfume or makeup. I don't wear makeup. I don't have special hair care. Can I see so I can determine that? And so I try to just buy stuff that makes my life. easier considering my

physical disability and like just stuff like this and stuff like my fidget ring like those are good for my mental health and my nervous system. So, but let me make sure there's nothing inappropriate. Well, it won't be on screen anyway.

What are you getting? Amazon? No. Blesa. Lindsay left. She knew that man. Yeah. I thought was a little, I think, above me. I got you, girl.

Oh, we got the chewy things. We got a little drive. We don't need a wireless charger. Like, that's not 100% of me. I know. It was on 60% off. 60% off, but we're financing it. I didn't finance that one.

The minimum of the payments, either way, if you didn't finance it, you could use that money to pay towards the stuff you already have. Right. We're at $127.27 a month of this, the firm, $727 balance. Yeah. What are the interest? Do you know? Because sometimes it's not interest.

Sometimes it is depending on the plan. you get. And I wouldn't be surprised if they were interests. Can you find that on the app? Probably. Okay. You ever feel like money just disappears? Even when you're sticking to a budget, it's frustrating. Especially when you're only buying the essentials.

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We didn't, did we really need a new mouse mat filled with dogs, you know, with dogs on them? I don't really don't think so. Or maybe, what are the, there's some mat.

Oh, that's a, that's a washable potty pads. Okay. You didn't need a ring. It's the fidget ring for my. Fitch it with that. Fidgett with something else.

You have things all, to fidget with the, the things keeping your overall together, you know? It's like, you got a good part. What are we got? What is this?

A recipe? No, those are the, Mac stickers to let me know it was like $2.50. But that's the thing. That's the thing. Am I going to freak out, am I going to freak about only $2 purchase? No.

That is never the thing. When I mentioned the Spotify, it's never about the Spotify itself. It is the behavior. It is the endless stacking of them that can make real progress. Right. Can't be like. Actually makes sense. Generator makes sense.

Solar lights. Okay. Well, now we're having multiple kind of lights. Well, security camera? So it's a fake security camera. So it just looks like a security camera. So way cheaper. It's because I'm going to have to live in the alley in downtown Sacramento, which is full of.

Why? You have this thing that you can't get out of. Yes, I know. I could drive somewhere five hours away and get a reservation. But sometimes if you don't reserve soon enough, there's no spot. So you're in a monthly fee that you cannot get out of at a $20. percent interest rate with a big loan on it and you can't even get it unless you reserve it far in advance.

Not always. It is stacking up as a worst deal every time. Is it not? Come on. It's stacking. You have facts. Of the fact that those. Destroyer with facts of logic.

The, that those are all piling against it. But like I said, it made the most sense at the time. I get it. I get it. Okay. So I know you couldn't sleep there, but what about this is, I'm not saying this is the perfect option. It just, you know, it pops in the head.

A gym membership where we can shower, where we can charge our phone, where we can connect to Wi-Fi. Is that a place you can park forever? No. But that gets us some of that. It doesn't get us water for the trailer, I know. But I'm just thinking. Gas stations, not that. Water for the trailers.

It's next to the air pump. I didn't even know that. I didn't either until like, like, three. I feel like, you know, is that as good? No, but I feel like if we need to really go scrappy, we can. I, yes, I would have to put a lot of my things in storage because when, which is fine, I do pay for storage. You're crashing with someone, right? And you can't.

My mom in a house that is being sold this week. Okay. Well, where is she going to? She actually doesn't live there right now. Oh, you can't store it in their family members places, which just ain't any of your stuff? Right. No. Really? Correct. I don't have. I have my mom and my brother. And that's it. I've never used a firm because I'm financially responsible. Well, no. The thing is, I think financing things is okay, but you finance it responsibly. Right.

Oh, that's what I was saying. Oh, we're at 35% interested in all these. That's not good. We can't be doing this anymore. You're paying 35% on your Amazon purchases. Yeah. We don't do that. Come on. You're making your situation worse. You are making it legitimately. You're making it harder for you. There's no point. No. More screenshots because you don't know how to do a statement.

Yes. So there were, before I knew how to get to the full credit karma report, I sent the screenshots of the credit card report. Hold on. Okay. Whoa, whoa, whoa. I've got lots of collections, bro. Oh. When I say those, those.

You're never going to qualify for our home again. exactly why I said I can't rent and I can't buy. You can find landlords that will overlook some things. Big corporations, no. Actually, I don't know the statistics on the majority of small time versus big time. But either way. But qualifying for a mortgage, absolutely. This would be killed.

I don't ever want to own a home again. That was not great. Collections, 8,593. And it was on a credit loan of 7,500. So why? We just didn't pay this. Why? It's been on here for four years.

So four years ago, well, we know what happened four years ago. Does that when we stopped paying? That was when we made the purchases. Uh-huh. Oh, that's when it opened. Sorry, four years ago. Yeah, very frivolously. I've only been in collections for a year.

Uh-huh. Oh, so that was, it was going to take forever to fall off. Is that for Tiva or Vivint or something? Apple. Oh, that's my Apple card. Yeah. So I racked that up and then couldn't make the payments. So I didn't.

I was in a rough spot. Did you call them and ask if they would lower the interest rate? No. I didn't open my mail for a year. And I went out by the, because brains are, I know. I'm, like I said, I'm in full-time therapy. I'm working on stuff. Okay.

Okay. Maybe I need to be educated on this part. What prevents this from opening the mailbox? Um anxiety sure I bet of what's in there but we can you know the anxiety gets worse if we don't confront what's in it. I know it does kind of like my big pile is I have to take care of that I haven't touched in a very long time. I don't know what that is. It's literally a box full of just paperwork that I need to look at and do things and it's so daunting and scary that I just. But this was a mobile app.

This was an opening mail. Right. right. So that was, the Apple card was just me not doing well. And not calling them was a matter of not doing well. I should have. I mean, I. Well, here's another collection, 740. It was synchrony. Synchronic. Oh. Go for f sink. That's my Costco card. How'd you get to $22,991 on Costco? What did you possibly do? How many times did you fill up your trailer with Costco gas? That was before I owned my trailer. That was...

It's a fucking income. Yeah. I'm pretty sure that had part of the concrete. Oh, and the Costco card? You were putting the concrete... So it wasn't even spending money you had? No. You were putting it on high interest great credit cards?

Did you ever have any... When you were borrowing this, did you have any intent to ever pay it back? Or were you just opening spending and you knew you weren't going to touch it? That's a great question. Do we have an answer to my question? No. If I remembered. It's only a couple years ago.

Uh-huh. Manic episodes are weird. And now it's less of a that issue, more of an impulsivity issue. Uh-huh. Which you can work with a therapist on. Yeah. For coping with. I'm just like, wait, why did you come on the show?

Um, because I don't know where to go from here. But I think you're very determined. Like, you're immediately, I can't do anything. because of all these mental health things. Everything is I can't do it because of this mental health thing. It's not, I can't do anything about that. It's so hard.

But I can't do anything about that. I know, no, no, no. Like as far as the, looking for income? I don't know your mental health.

I don't know what's real. I don't know what you've been working on. I don't know the history. I can't do anything about that. Right. So if nothing can be done because of the mental health, what can I do? But it,

what do you mean? Nothing can be done. It just feels like almost every time we talk about something that's can't or, or this is because both together is mental health. Well, because these were all the debt. But even the stuff we talked about today doing. It's just like mental.

Okay. Like what? Can you give me a? It's been a long conversation. It has. I don't remember. But I've, you know, I don't know. We've been sitting down for an hour 21 so far.

Holy. Yes. My bad. It's okay. It's okay. I'm going to get you connected with a domain money financial advisor. I'm going to get you. you their free session. We'll get you that. Actually, I think, so everyone out there who

uses MyLink, they get, you get a free 30 minute session with them, like a licensed financial advisor who will sit down and look for your stuff. Highly recommend it. That's good. We're going to get you connected with them. I'll get you connected with a free certificate through course careers so we can help you find a job. Maybe we can boost your customer service part of your resume with a customer service certification so you can look at customer service management. So we'll give that to you. We have a lot of resources we can do. We can, we'll give you all three of our classes, which are modeled together for 25% off without you guys. You know, I got to give you a little plug. But it's always, it is actually worth it. We've had 10,000 people take our

stuff and they've literally changed their lives and you'll get it for free. So I need you to go through all this. Because what I'm worried about here is can't mental health. It's just like, that's what you got to deal with. And the best that I might be able to do is connect you with resources. Right. I don't know much what else. But okay, 22,9191 on Costco, concrete sounds like. And I don't really know what collections. Oh, they sued me. They sued me. Who?

Well, yeah, that makes sense. They want their 22,000. I know. And that actually might be a number worth suing some number because all of them can sue you. Yeah, I know. But usually it's just not worth it. Yeah. That number might be worth it.

But I don't know how to do, like I did that 30 minute consultation thing or whatever with a. With what? With a legal person. Okay. Regarding this. This was. This was April. Okay.

So these consequences actually could come a knocking. Yeah. And, uh... Dude, you f***-ups. Yeah, they're supposed to... Apparently I can request for... Your credits already... This might be a bankruptcy situation.

Credit scores are fake. Okay. Sure. Just like BMI. I don't care. Just like BMI credit scores. Sure, whatever. I don't care.

I don't care. think my credit score is horrible, but I know that my What is it? What is it? Six- 38?

I almost don't believe that, but okay. I know. Once everything went to collections, it came out. To save yourself from a lot of the stuff,

bankruptcy might be an option because that one is an actual legal thing that could. Yeah. It really could. My only concern with bankruptcy is losing my car. No,

I think you can, you'll be, well, you know, meet with a bankruptcy attorney. You can figure it out, but Many times you can go through and you'll be okay. Yes, this is my storage unit and I split it with my mom.

The trailer, I'm curious about it. They might take a look at it. Because my trailer's only 17 feet, so it's real small. So that was actually what I was going to say at one point is... And five animals are going to live in there soon? The puppy is this big. Okay. And then it's three cats and one dog.

Okay. The cats should be fine. Yeah. They don't know what's going on. And we've all lived in the trailer before together. And, you know, my dog spends most of her time outside with me. And that's being in the trailer. Just because they've done it, though, doesn't mean it's good.

The dogs of the, you know, when I drive downtown, there's, you know, a decent amount of homeless people here. And they have dogs. Their dogs have been doing it. It doesn't matter. It's good. I mean, it's good. My dog goes to the river every day. She goes on.

Yeah. Like when we're camping, she has a much better life than when we're stuck in the city. But I also know, sure. I also know my main thing is it's, uh, food, food security. for the dog being able to afford pet insurance. If you can't afford pet insurance, then you probably can't afford an animal. And if you,

we need to make sure they have good places to cool off if they're being active, oftentimes indoors. Do you have any place? Like Sacramento's in pretty, Sacramento is kind of hot, right? Exactly. So we need to make sure they have good,

condition to AC, and then if it does get cold in the winter or night, we need to make sure they have heat. Have that as well. Okay, yes. And I know you have that part. Yes. But it's just like,

at a certain part, if we can't afford certain things, I'm like, okay, we probably can't afford pet insurance, which means an animal will die if they get something done to them. I was able to save my animal's life because I'm very blessed and I have pet insurance. It costs $30,000.

I didn't pay anywhere close to that. Because she had to go into two surgeries and multiple things to save her life. If I did not have pet insurance and if I wasn't in such a blessed position, she would literally be dead because it's not like the habeas corpus type with animals, right? Right. Like they will die. Yes. And I am, I am a registered vet tech.

I know that I can't do surgery. However, I do have a lot of resources within the veterinary community. And you're good with the preventative as well. You're better at that. You know what to look for. So, I mean, you might be able to get them to a situation before surgery is required. Right. You know, so like, trust me, I get it.

I get it. It's just like. And when I moved into the trailer, a lot of people told me to get rid of them. Not happening. Well, cats, I don't really like, they don't know anything. Yeah. They're just like. Yeah, I mean, they exist.

They're full of love. No, well, sure. Love for you feeding them. Yeah, some cats. If they were a size of a dog, they would kill you. But that is. Yeah. Storage.

Okay. So you already pay for storage. Yeah. So why was our big concern needing to get storage? No, it was putting the stuff in the storage unit I already on. Because when I move my trailer, like when I tow it, I have to put all of the things that go outside inside the trailer. Is this finance or is this the bill? That's a bill.

That's a bill. Monthly bill. Okay. So it's a monthly bill. Yes. I'll put this aside so we put it in your budget then. Cool. Okay.

So these are student loans. Yes. Okay. A lot of them are, yeah, income base, which actually makes sense for you. A lot of people are on it. Did the income base get approved? Can you tell that by that? I have no idea because I applied.

So you might be in the application period. It might be on hold because a lot of it's being challenging court. Also, who knows if the new Department of Education, we just had an election. Who knows if the Department of Education will even allow those kind of repayment statuses. So we'll know. It's kind of up to the department head. A lot of it, they're given a lot of authority on them.

They might not do any kind of forgiveness, any kind of things like that. So you... When I was paying my student loans, I was paying more than a minimum payment. Barely, but a little more. Student loans, $12,4004. Okay. Not the worst, right? Not great.

Well, just to your point earlier, the reason I always pushed back on that, but is it the worst? No. technically there is probably only one the worst in the entire world and whoever's going through the worst right now is that person yeah you know probably child in yemen or something i don't know but just because of that doesn't mean this is good right i'm just glad i don't have like 65 grand in student day you know i get you yeah 12,404 dollars oh the interest rates are pretty mid they're whatever got me a license i can't use anymore yeah well maybe remote i don't know who knows Maybe you can, I don't know, man, it's hard.

It would be hard to hire you for that job. It would. Yeah. If we have limited resources at a veterinary clinic, am I going to hire someone who can't bend over? Exactly. Probably not. Yeah.

Okay. And then, okay, we have a Wi-Fi pass that actually makes sense for your spending your checking account. You have $1,300 in there. Amazon. We looked at your Amazon. I would say it was about, there's some needs in there. And I'd say it's like kind of 50-50. I don't.

Do you really need this or not? Right. I don't know. 300 to who to wear? Lend went out 300 for what? Oh, it, I know. It was my birthday and I got a tattoo. Oh, for a fuck sick.

I'm sorry, you don't get to have the whole birthday month. So here's what happened. Here's what happened. I actually booked the tattoo point in an impulsive flash decision and I booked it for a lot more tattoos. And then I finally was like, hey girl, I'm so sorry. That was a mistake on my part. I still want to work with you because I put in this deposit and whatever,

but I'm going to bring that down half the amount. Should have been like, hey girl, I'm going to lose my car in a couple months. Can I not get a tattoo? That's cute. Is it that one? No. No, it's on my leg. It's a possum and some cats.

Okay, and there's storage and there's Apple and go inside a gas station and getting something. Probably. $5.4.6. I doubt that's gas. Oh, no, Winco, I got a pack of granola bars and some rice. Okay. Okay. Blue Firefly.

I don't know what that is. Looks like a vending machine or something. Something on Facebook. Why are you paying $10 to $16 a Facebook? Those were Facebook ads. What are you Facebook adding? So I do that... Please give me a place to live?

So I do the admin stuff and I had a wild hair and I was like, I'm going to make my admin page. And then I pay for ads and I don't know why. I did. Good. Yes. I did.

Okay. More truck thing. Campaway truck accessories. Right, because my roof rack broke. The trail place, the trail place. Went to a restaurant there.

What restaurant? La Palisita Taccalia. Oh, yes. I was about to faint. So I needed food. I got like a taco. Well,

now you have a granola bar, so no more of that. LinkedIn premium makes sense for your situation. You're looking for a job. Amazon store rocking, orabloom.com. Affirm. What? Orabloom is a monthly surprise crystal subscription.

Okay, cancel it. Cancel it. Go roll around in some rocks. You live outside. Roll around some rocks. Isn't it pretty? I know. It's fine.

Don't. You can't. I mean, you're going to lose your car. And you lose your car and you're done. You can't move the... You can't move. Come on. My car is my life.

This is not a joke anymore. You cannot have a crystal subscription. I know. It's literally not an option for you. It really isn't. Same with the Nintendo subscription. We can't have that. I bought Nintendo dogs for $2.

We can't do that. You have a real dog to take care of and you're not getting him pet insurance. So we're not getting a virtual dog. Okay. Apple bill. A rover pet service fee. And then. That was a background.

Yelp. $51 on Yelp? That is actually in claims right now. So they are good. Yeah. But with checking it with debit cards that it's fucking hard. I know. So they don't really care.

It's your money. Yeah. Okay. Oh, after pay. We're after paying as well. That, yes, yes, yes. That is paid off now. You have so many in Apple things.

What do you get in? Subscriptions or what? What are you doing? I have ICloud and Apple Pay or AppleCare. Those are, those should be the only two Apple Churches. Can you? It's AppleCare. It says you can.

Spend one month of Apple Care and just get an indestructible case. That Apple Care covers theft as well. I know, I know. That's why I'm so split on the fence. You literally just, subscriptions in your life is just impossible. But also getting a new phone is impossible. Is it a finance phone? Uh-huh.

I got $800 off for a trade. Amazon. Talk about McDonald's. Amazon. More firm. Taco Bell and McDonald's, I try to keep below like $5. Yeah, you can't do that. You bragged about having a kitchen in your little thing.

Cool. You're getting like the cheapest shit that you can get that doesn't kill you. I eat a lot of carbs, rice, pasta, all the dry stuff. I don't think we get to spoil ourselves. If we're going to lose the only reason why we're still alive and being able to work, we don't get McDonald's, even if we're doing value menu. We really don't. I don't know how to eat healthy on a budget either.

Follow our mail plan. Follow our meal plan. Oh, you have a meal plan? We have a meal plan. This is, again, more resources. Cool. Because my doctor told me you need to eat better. Not like just as far as five of them. Well, you're listening to your therapist about not ever being able to get a job again.

Maybe you're listening to your doctor as well. Yes, I have an appointment with the nutritionist. $116 and the cash up account. Who are you sending cash up to? Cash up, cash up, cash up. I shuffle money around. So you're sending a lot of money on a cash app. Yeah.

But I don't spend money on the cash app besides recently when I purchased because I had to cancel my car because of that Yelp charge, I had to use my cash app debit card to buy Amazon, which was the generator, which is necessary. Venmo, sum out,

some out. Whoa, investments. Not what are, not would have expected this. Thank you, I think. This is different. Oops, it's based on your situation.

Hey man, if it comes out of my paycheck before the paycheck gets to me, it's not my money. Don't do that anymore. Why? You have 23% interest debt. You're getting 10% a year on average as this is in the S&P 500.

Doesn't make sense to be putting it towards this. Oh. If you have 23% debt, what you have on that plot. Yeah, that's why I'm here. Utilities. Well, there you go. You learned. Yeah.

11,000 hours in this one, 4,000 hours in that one. 11,000 hours in this one. That should be the same one as the first one. Damn it. I know. Something tells me you're going to get pushed to a point, though, very soon, and you're going to be withdrawing from this. I don't know how to do that.

You'll figure it out. They always do. I've had them on my show. I don't want to do that. You won't, but you're not going to lose your car. I'm not. Which I... The tree that you live next to is not going to give you money.

And all of a sudden you're going to see that $11,000. Oh, I... My family... The two family members that I have backed me up when I need it, which I know is a problem. I owe my brother, 3,500. Ah! My mom, because my credit card, or because my debit card was frozen, she had to pay for the flights to get here, so I owe her a little bit of money. How much was that?

We give a reimbursement. Yeah, yeah, yeah. So when you reimburse, I'm going to reimburse her. Yeah. So what do you owe to them? To my brother, 3,500. Yeah, we got that. Yeah, yeah.

To my mom, she always tells me I don't have to pay her back besides these flights. Oh, besides the flights? Yeah. Just give me the flights, then? 600. Okay. Yeah. Okay.

She has shuffled me about five grand this year. No, if she doesn't want it back, you are going to accept that. Okay. It's a gift. Thanks. Anything else? Apparently? To owe to people?

Mm-mm. Okay. Let's figure out what you need to survive. You. Because even if we got to organize that so bad. Even if we put you in like, like, not a hostel. What's it called? So many, there's so, but then your pets, you won't give them.

This is the thing is we can get you a bed in a place and that can act as a permanent residence leading you to a better chance. of getting a, you know, whatever else instead of a permanent residence. That can lead you to a better chance of getting an in-person job. Like, we could do that, but I feel like you're not willing to do that.

In-person job, where am I going to put my dog? For an in-person job. She has severe separation anxiety and she ate through my door. She's on medication. This is, I'm not, I'm not, I'm not, this is not hating you. This is not hating you. This is not,

I feel like, um, Madam Jake and Madam Lindsay. I mean, I feel like this is nothing that can be done. It's every time there's anything, it's like, but we can't because of this and there's nothing that can be done. Literally, you can't work one second, one second, one second. Sorry, I'm just trying to think out loud. You can't work a job because of your dog separation anxiety.

At that point, you are not going to survive in society. And there is no budget I can make. There's no budget I can make in that situation because I'm going to make it on you depending to get a job. You can't. How have I had a job for a year? You got a remote job, but again, it is the... Which is the third remote job. And we improved your resume, but every single year from those three remote jobs you've had,

every month it is getting more competitive to get a remote job. More people are getting laid off in tech, and everyone wants a remote job. You are competing with the top of the top of the top. And I'm not saying you can't compete, but it is becoming beyond more incredibly hard. In person is what gets you an income. next week. Remote job could get you an income six months and a year, maybe. And we did the resume tweak.

So I'm sorry. Again, I want you to, I'm going to connect you with all the resources, everything we have. It makes no sense for me to spend my time, the audience's time, their time, such as since we've been recording for an hour 40, which is okay. But there's no point of spending that time to build this because you're not going to do that because every single time there is a reasonable solution. It's I can't do it because of this thing. The dog thing, come on.

At that point. That was a question. It's not, I can't do it. It was, what should I do? You might have to have them with a family member for a year or something. You might have to have them work with a trainer once you are, have a job and you can afford it. You might have to surrender the dog if you cannot survive as a human being because you do have to survive. If you're not able to survive, they're not able to survive.

And I know that's hard. I love my dogs more than anything. Well, not more than anything. I guess I love my family more. If I have to rank, but it's pretty damn close. Okay. They are family. Exactly.

They are family. And I'm just thinking like, mom, dad, like, love you guys too. I don't want to think. I don't want them to think they're less important if they're watching. But I get it. And I get the emotions you're feeling because of that. But there might just be after very hard life choices we are making so that you have a chance of survival. If you're not willing to make them, I don't know how you survive.

I really don't. Okay. Yeah. Coming to the post show, guys. I think we're going to talk about even more stuff. producers know everything about her life and they're going to talk about things. It's going to be, it's going to be interesting. And make sure to get our investing, budgeting, and debt class altogether for 25% off. Your hammer financial score spending in a budget, I mean, you overspent

your income easily, just even with minimum fee payments. So zero out of ten debt, you have collection zero out of ten. Emergency fund, zero out of ten. Your score's not going to be a zero out of ten, if you thought. I mean, you said the score was unreasonable, but you must not have taken the thing. I did take the thing. Said zero? You have retirement, so you should have at least got a... I'll take a look at that afterwards. The algorithm there.

But your retirement is it behind for your age, absolutely, which you are getting started, and there is something in there, and it's moving in right assets. Two out of ten. And then real estate now is zero out of ten, because I'm sorry that it's not considered real estate. I understand that. That's going to be a hammer financial score rounded up. Maybe it's because I have more of a heart than an algorithm.

0.5 out of 10. Guys, stick around for the post show. I already have a billion. It's going to be a good one. You pay your taxes. Are you kidding me? Are you actually kidding me? Kept resubmitting it.

Kept getting kickbacks. So I just... And then I haven't done it since. Oh! That's 25 taxes? 20... Oh! To watch the financial audit post show,

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