Financial Audit - The Most Bat-Sh*t Insane Woman In Financial Audit History

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Starting point is 00:00:56 I had taken dog-k and smeared it all over the windshield, which is another story. entirely. And you drained your savings to bail yourself out of jail and you hit your husband and then escaped the cop car. Yeah. What the fuck did I even just say? That's insane. I ended up going to jail for felony. Oh, she's a crazy... Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. My name is Kaylee. I am 37 years old. I live in Mariposa, California, and welcome to Financial Audit. Welcome, welcome. Thanks for coming over to Austin. What do you do for a living

Starting point is 00:01:43 in Mariposa? I work at a hotel front desk. Cool. That's probably not a ton of money. I don't know Mariposa. Is it on the coast? No, it's in Central California, just outside of Exemite National Park. Okay, that helps with price, right? Honestly, not too familiar with Central, the Central California life. I get paid very well for the area. Well, you get paid well, but the cost of living, that's what I'm concerned about. What do you make? $20 an hour. Okay. And how many hours a week do you work? I work four days a week, eight hours a day. Do you want me to do the math? Is that what's being asked? Okay. A quick little 32 hours a week. Yeah, yeah. So $20 an hour is pretty nice. But if we're not working 40 hours a week, it doesn't stretch us

Starting point is 00:02:31 far. I know, but I don't want to work 40 hours a week. I like having Friday, Saturday, Sunday off. Why don't you work more hours of the days, Monday, Tuesday, Wednesday, Thursday? I do work Monday, Tuesday, Wednesday, Thursday. More hours to get to 40 hours a week. More than eight? I mean, I do when they let me, but they're pretty stingy. What are they stingy about? Overtime. The entire... It wouldn't be overtime, though, would it? More than eight hours a day is overtime in California. Oh, California. for you.

Starting point is 00:03:02 Makes it impossible to run a business. If you want to work, just fucking let you work. My goodness. It's so weird. I mean, they want me to work more. No, they want you to.

Starting point is 00:03:12 The state doesn't. No, no, yeah. Okay. Okay. So, you sounds like you should probably work on Friday. I mean, obviously we're struggling. If we're on the show, we're struggling. I don't think you really have the choice to take a Friday off.

Starting point is 00:03:25 Then you should probably actually have a second job outside of the hours that you're working. Because if you're on the show, usually financially is typically how it goes. Yes. So what is going on? What are you doing? That kind of sounds like a dumb philosophy. Well, I have been considering offering to work every other Friday

Starting point is 00:03:46 because my boyfriend just got a job up there where I live where he will have every other Friday off. So then if we could both have that one Friday off. Dude, you're an adult. You're allowed to work five days a week. Come on. This is a privileged position in the history of humanity. Most times you'd be working sunrise to sun down

Starting point is 00:04:03 until you're dead in your 30s. You're lucky working 9 to 5 Monday through Friday is not the worst. It's in fact the best. A cushy fucking front desk job, $20 an hour? In the history of humanity, that's considered good. If you have bills to pay, work. Yeah. It's better than 9 to 5.

Starting point is 00:04:28 I only work from 6 a.m. to 2 p.m. so I have like the whole day ahead of me when I get off. It's pretty tits. Yeah, but that's pretty tits. Okay, interesting. But that means you probably go to bed earlier anyway. I mean, your days are just like shifted, right? I don't need a lot of sleep.

Starting point is 00:04:44 Okay, okay. Well, that's not what matters here. What matters is if you're on the show, you're probably not doing financially well. Well, obviously. I don't think you get to take a day off of work a week. What hits your account on a monthly basis? So, like, after everything that comes out, like, 1,100 every two weeks.

Starting point is 00:05:08 So, 2,200 every month. How are you possibly surviving? I don't know. How are you possibly? I really don't have a lot of bills. Like, I don't have a car payment. My rent is, like, very cheap. Why are there so many documents?

Starting point is 00:05:20 That's not making any sense. Well. An answer would be helpful? I don't have a whole lot of bills. I just, well, other than credit cards. You don't consider those bills? Yes, yes, those are bills, but I don't have like... Well, why are we in credit card debt then if we didn't have a lot of bills?

Starting point is 00:05:38 Because if we didn't have a lot of bills, we wouldn't have to go into credit card debt in order to buy the things we want to buy, but now I have credit card debt, and all the time of those are bills. So why the fuck do we have credit card debt? Um, because with all that time off that I have every week, I go out and do a lot of things. Then equal, equal reason to not take the time off on Fridays. If you spend more money because you don't work there, then don't fucking take time off work. And if you're not making enough money, then don't take time off work. I just, I don't, I'm not like a career girly.

Starting point is 00:06:07 I would rather be at home, like, doing domestic things. Treadwife? You want to trad it up? No, I like to have spending money, but I don't like, I like to keep a clean house and I like to cook and I like to like, you know, I have to have time to do that stuff. So you like everything about being a stay at home wife other than being called a stay at home wife? You could say that. Yeah, I could tell from the tattoos, okay.

Starting point is 00:06:33 Is that an option? Where are you in this relationship? I don't know. You mean like when he moves back in with me? He doesn't live there currently. I don't know. He will be. Is he moving back in?

Starting point is 00:06:45 Yeah, he starts his new job on the 23rd. I didn't know who moved out. Did I know you guys ever live together in the first place? I know. Why are you acting like I know anything about you? Well, we did. I don't. We did live together, but he had a bit of a problem with alcohol.

Starting point is 00:06:58 So I told him he had to move out and be sober for six months before moving back in. Fair. Thank you. So he hit that six-month date and then two days later got a job interview up where I live which he's in quality control for aerospace. So you want to be a stay-at-home wife to...

Starting point is 00:07:14 No, I don't. Like, I'm not going to quit my job when he moves in. But I mean... No, but you want to in general be a stay-home wife. No, I think I would always like to have a little part-time job where I could have my own like spending money.

Starting point is 00:07:27 I would like that. I'm just... I'm not a career girly. I don't have like hopes and drinks. I'm sorry, hopes and dreams of like... What do you aspire to in life? Like, how the fuck can we do anything if you don't have nothing to...

Starting point is 00:07:40 Well, I mean, I do have hopes and dreams, but they're not like employment-related. What are some of your hopes and dreams? Because they might be connected to employment. Let's find out. Traveling is good. You need money to travel. You need a job to get money to travel.

Starting point is 00:07:56 Sounds like it's tied. Yes. The good thing about this job that I have is... Yeah, the one where you work less. and 40 hours a week. Yes, that one. I get really, really good hotel discounts. Great.

Starting point is 00:08:10 Spending money you literally do not have still. I spend the money before it's like even there. If I want to go get McDonald's and instead of $15, it's $10 because they have a value pack going on, but I don't have $10 to spend. I still don't spend it because I don't have $10. What are you talking about? Well, that's where the credit cards come in. All of the.

Starting point is 00:08:30 Yeah, no shit. Yeah. And obviously you can't afford that. Okay, goals and aspirations, more. Give. Just, what do you? I'm simple. I'm a simple girl. I just want to live and stay home, big bread.

Starting point is 00:08:44 Maybe take a fucking flight every now and again. Girl, you're 40 and you're a failure. That's embarrassing. You live in an embarrassing life right now. I don't think it's embarrassing necessarily. What do you have going for you in life? A boyfriend that you had to kick out that is now potentially coming back in. Yes.

Starting point is 00:09:01 you don't care about anything in terms of your ambitions or any purpose in life you want to travel have no money to do it only went into credit card debt to do it what is what is there to look at you and be like

Starting point is 00:09:16 oh that's someone I look up to I'm going to just call it how I see it I don't necessarily need you to look up to me yeah but it just shows how you are yeah and it's important to know how you are from a self-reflection standpoint absolutely but also someone else can see that isn't you.

Starting point is 00:09:34 And I'm just going to know you. I've only been talking to you, what, nine minutes, but I've learned enough to know that you've got nothing going on. And that's not cute. But is that like the worst thing in the world, though? It means that you're living in an insignificant life you'll never be remembered by a single person. That's all right.

Starting point is 00:09:50 Okay. I mean, you're, okay, that's fine. If you have no desires to leave you in an impact on someone's life in this world. I can't leave, like, a good enough impact on my son's life. You have a kid? I do. Okay, that's even worse, then.

Starting point is 00:10:08 Because you should... How old's the kid? He's 11. Oh, fuck me. I was hoping he was out of the house. No. How about that old? You're 37.

Starting point is 00:10:23 If you had a kid at 18, they'd be out of the house, right? Isn't that how math works? Yeah, but... So, I mean, that's fine. I was out of the house by the time my parents were 37. I didn't, you. Okay, so you have a kid. You're prioritizing nothing in life meeting.

Starting point is 00:10:37 You can barely pay bills and not put them through programs that they want to get through. And you're certainly not going to pay for the college. And they're definitely going to have to take care of you when you're old because you've done nothing to sacrifice for your future. Why would you say no? Go ahead. Give me a logical answer. Well, his dad's side of the family is pretty well off. That doesn't mean you get taken care of.

Starting point is 00:10:56 No, no. I'll take care of myself. Doubt it? Listen, I'm having to take care of my mother. I've learned. I'm never going to put my son through that. You've done nothing to fix it. Lady, if you don't have retirement.

Starting point is 00:11:08 I do. How much is in your retirement? I don't, it's in there. I think 27, but I might be making that up. I could be making that up. That's nothing for your age. That's not going to last a year. Listen.

Starting point is 00:11:19 Well, I've got time. You're going to be your mother, not by your choice. No, yes, by your choice, but not by you, like, wanting to do it. Your mom, I don't know what full sort of, but I'm going to say what you're going to, be. You're going to be a situation where you cannot retire, cannot keep a roof over your head, you're going to be struggling. Maybe you've become, you know, who knows what social security is going to be like by the time you are retired and if you take early social security, it's going to be less. I don't know. You have bills to pay for it. You struggle for it. Your son's not going to let you

Starting point is 00:11:47 suffer. Not going to let you suffer. He's going to be morally obligated as your son to take care of you. It's not going to be you asking. He is going to help and he's going to put his life on hold to help. So yes. And that is you being selfish because you want to travel the world now and now, and not work on Fridays and have nothing going for you in life. That's a joke. If you're doing it as a fucking motherless, you know, lady forever, sure. You can do that. You can do whatever, because no one's dependent on you.

Starting point is 00:12:17 You know, whatever. That's fine. Some will judge, some will not. I don't care. You have a kid. Yes. At this point, it's embarrassing and borderline disgusting, the life you're living. I disagree.

Starting point is 00:12:31 How? I mean, I don't think it's disgusting. How? How is it not disgusting? I mean, he has two lovely homes that he splits his time between. He goes on trips with me too. Built on debt. Debt that is going to set you back in life and then the kid is going to have to take care of you.

Starting point is 00:12:52 Put his life on hold to do that because mama was selfish and wanted to go on vacations and not work. Tell me how that's not disgusting. Because I think... We see it in our culture all the time and it's a barely talked about thing. It's not talked about enough. I guess no one wants to put the blame on their parents. The main goal then in life would be to make sure he doesn't have to take care of me. You're completely failing at that and you're 40.

Starting point is 00:13:14 I just came up with it right now. Well, but your catch up is immense. You have to invest double triple what someone in their 20s has to in order to retire with a decent amount. Which I could probably do that after I clear through all this. How are you even managing your finances now? chat GPT, obviously. How else would I be doing that?

Starting point is 00:13:42 What the fuck? What is Gipita saying about this? Well, we worked out a plan to, like, pay off all three credit cards that I have, which one of them doesn't really count because it's like... What are you asking, GPT? For, like, a schedule on how to pay off my debt, is. Which, it has been working to an extent. For two cards, it has been working. For the third card, I just continue.

Starting point is 00:14:11 You spent more than you brought in last month. No? No. Yes. How much came in last month? Like, 2200? How much spent? No, maybe more than, because sometimes I do get overtime.

Starting point is 00:14:23 You had a little bit of overtime? 3,000 came in. How much went out? Damn. More than 3,000? 3,400. Are you sure? Hey, GPT. What do I do?

Starting point is 00:14:38 do about someone's financial situation if they have no idea what they're talking about and they're prioritizing their lives over their children's. She says she's 37, looks 57, has tattoos all over her body. The fuck I do. And has clown lipstick on, if that helps. Let's see. Here's the directing clear path.

Starting point is 00:15:05 Established clear boundaries. Here's the boundary between me and you. I don't like you. Okay. Number two, direct and factual communication. Factual, you're being a selfish mother. Not good. Focus on priorities.

Starting point is 00:15:16 Your child. Not your travels. Recommended require counseling. Sure. I'll set you up with a sondermind therapist. I use them. Document and follow-up. Oh, we're going to do that.

Starting point is 00:15:27 Yeah, but I better believe it. Take proactive actions if necessary. Don't! Regarding her appearance. Be firm, clear, compassionate. I believe I already did. But prioritize the child's well-being. He's very well.

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Starting point is 00:16:19 I don't think we need to go that far, but that is what GPD has said. Your financial advisor of choice. Okay. Did you name your chat, GPT? I just call her her. Oh, she's a her. Yeah.

Starting point is 00:16:32 It's very progressive of you. Well, I'm not f***ing sexist like you. Okay, so... Yes. What have you learned through the GPD? What have I learned about the finances from chat JBT my little payoff plan that I do.

Starting point is 00:16:50 What does she say about the boyfriend coming back in the house? Why did you kick him on in the first place? How'd you learn? How did I learn? Yeah, like what was like the breaking point? Okay, well, so I knew that he struggled with alcohol like when I got together with him, obviously. Interesting couple choice, okay. Yeah, I know. I have also had my struggles with alcohol in the past.

Starting point is 00:17:14 What? Shocker. So he moved in four months after we met and prior to living with me, he had never lived anywhere besides with his mother.

Starting point is 00:17:28 How old was he? I wasn't rushing you. Oh, you were breathing hard. I was reacting. He's 34. I know. Again, an interesting spousal choice. I know.

Starting point is 00:17:40 I wasn't on the proud other. Continue. Okay. So he moved in after four months and the alcoholism just went like up level 100. Yeah, he wasn't with his mother anymore and he probably enabled him. Yeah. So my drinking, the whole thing came to a head.

Starting point is 00:18:02 Do you want a good story or do you want to wait for the post show for that? Because it's juicy. Good story, but not that long. Okay. So I had this little feeling after. a lot of drinking that he was doing. I just had one of those little women... We all do our best thinking after getting completely fucked up.

Starting point is 00:18:19 Totally. So I picked up his phone and I found that one of his co-workers had sent him some naughty photos. In his defense, they were unsolicited. However, he did kind of play into it. Did he delete his messages before? No, no. So what of his co-workers sent some titties? Yeah, yeah.

Starting point is 00:18:36 And so I may have overreacted a bit and I went online and I got the email address for every single person in the company. and I sent her titties and their text thread to every person in the company. So naturally, he got fired. And you should have gone to jail? Hmm. There were no nips. They were just, you know. That's still kind of revenge.

Starting point is 00:19:02 She deserved it. So she got fired? No, no. Her and her husband, her husband works there too. They are like darlings of the company. So they were fine. So wait, who got fired? My boyfriend.

Starting point is 00:19:13 You got your boyfriend fired by emailing someone else's tits to everyone in the company? And their whole conversation, yeah. Why? Would you do this, you crazy? Yeah, it was a bit reactionary. Why would he ever even consider staying with you? You're insane. Well, that's not the only thing.

Starting point is 00:19:31 Like, he also drinking, we got into a bit of an argument and he took my car because he couldn't He couldn't take his car because I had taken dog and smeared it all over the windshield, which is another story entirely. And so he had gone to this casino that's like sort of nearby. And when he was leaving the casino, instead of turning left or right like a normal person, he just fucking went straight and drove over a bush and totaled my car. So there were a lot of things that his drinking. Why are you guys getting back together?

Starting point is 00:20:07 Oh, because he's just my favorite thing that has ever existed. Which is why you smeared dog shit on his... Well, that was a long time ago. I know. I know. I know. I know. If someone emailed me all my coworkers,

Starting point is 00:20:18 uh, I'm never talking to them again. That's just crazy, i.e. You're kind of crazy. She do be crazy. No, that's not cute.

Starting point is 00:20:27 No, I know, but that's why I don't drink. You see, I don't drink. That's good. I am happy to hear that. Yeah.

Starting point is 00:20:32 How long have you been sober? Um, this time? I don't know. About, about as long as him, but like, I did,

Starting point is 00:20:40 like, I've had a beer here. or there, he has had nothing. Prior to meeting him, I had just come off of quitting drinking for a year because I woke up with a broken ankle and I didn't know how it happens. Oh, what are you? Well, I better maybe take a break. So I took a break.

Starting point is 00:20:57 So to answer your question, what was the question? It was... The drinking, I get it. It can make you do crazy things, but you're also just kind of crazy. Yeah. Oh, you asked why did I finally kick him out of the house? An alcoholic who smears dog who emails tits, revives. Bench to all co-workers.

Starting point is 00:21:15 There were no knuckles. Doesn't want to work 40 hours a week, has no career aspirations, only wants to leave her child to travel. She comes with me. You're not a good person. I never claimed to be. You're okay with that? It's a spectrum.

Starting point is 00:21:33 Like, I'm good in a lot of areas. What? What am I good at? Hmm. Baking. Not makeup. Sorry, keep going, baking. Uh, yeah.

Starting point is 00:21:46 What? The f-laced special cookies? Yes, yeah. But I don't do that anymore unless somebody asks. Or else are you good at that has something someone could respect? Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y Refi is here to help. Unlike traditional lenders, Y Refi is focusing on your desire and ability to repay not just your

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Starting point is 00:22:49 your repayment journey. Take the first step in making your private student loan debt more affordable. Go to y-refy.com slash hammer. That's y-refi.com slash hammer. Or call AAA-Refi-78. That is AAA-758, Y-refi-78, and see how they can help you move forward with confidence. I mean, I'm pretty good at like anything I do, anything I try to do. You were very good at drinking. You know that, but... I've never, like, had a job where I'm not the best one there. I do.

Starting point is 00:23:18 Do you know how well you're doing while you're there? What do you mean? Do I know how well I'm doing while I'm there? Yeah, I know how well I'm doing while I'm there. Your job is to check people in. Out. I'm the morning girl. Okay, and most people just don't.

Starting point is 00:23:32 You would fucking think, but they like to stop by and tell me their life story. You're bragging about being the best person at checking people out when only half the people do that. I'm sorry, I know I'm being a bit of a bit rude, but I also really kind of want to lay this out in a real world situation where I can't have you thinking that you're in any kind of respectable position because you're not, you need to change your life. 37 years is a little late to do it, but you can do it. I know.

Starting point is 00:24:01 I'm ready to do it now. I'm ready to grow up now. Uh-huh says that the dad heart tattoo. He died on Valentine's Day. Tell me that's not the cutest fucking thing you've ever seen. What year? My dad. What year?

Starting point is 00:24:14 23. He was very old. He was 80. I thought maybe I was born when he died. And maybe I'm your new father. Oh, Jesus. But no. I'm sorry for his passing.

Starting point is 00:24:25 Thank you. That sucks. Okay. So you're kind of a crazy ex, except now back together. So he's coming back in. He's coming back in. And you guys enable your bad behavior? No, we are.

Starting point is 00:24:39 You do when you live. together. Yes, but we have both come the long way. Yeah, not living together. But he's there every weekend. He comes up every weekend. We both have had many, many conversations and have very clear, like... You met him just two weeks after leaving the 12-year relationship you had?

Starting point is 00:25:02 Uh-huh. I know, I know. I don't think this is a healthy thing for you. I don't know. I cannot imagine, like, I can't imagine my wife. This is insane. He paid for your tummy and arm tuck.

Starting point is 00:25:17 My ex. You were fat? Oh, yeah. Before? Good job. Well done. Thank you. It was over $15,000 and then you broke up with him a month after the surgery.

Starting point is 00:25:24 Yeah, the timing on that was pretty. From the, I will give you that from the outside looking in. The timing on that is pretty awful. But listen, in my defense, the surgery had been scheduled like five, six months prior to that. But my dad was dying. At least get him a few months. I know, but my dad was. dying, so I pushed it forward.

Starting point is 00:25:46 But give him a few months after completion of a surgery he pays for. I couldn't leave him on for a bit. I couldn't do it anymore. Listen, I was sitting in therapy and, like, the light bulb went off, and I was like, it's been seven fucking years since the last time I broke up with him, and nothing has changed. Everything is still exactly the same. And I'm not getting any younger, obviously. So I had to scoot boots.

Starting point is 00:26:06 Scoop boobs? Scoot boots. Get out, you know? Oh. Is there anything even remotely healthy about this relationship for being honest? The only fight that we've ever been in that, like, doesn't involve alcohol, like, since we've drinking. Or smearing or getting them fired. Yeah.

Starting point is 00:26:23 Listen, the she's smearing is because he brought home a dog that I didn't want. And it pooped in the house. Yes, what a very mature response you heard. I mean, okay. Yeah, go ahead. Okay. What is this? Anyway, so the one, like, big, that we got in, like, since the quitting of the drinking is I really needed a car.

Starting point is 00:26:42 Because, like I said, he had crashed my car the year before. And I took out a loan from my baby daddy without asking, asking my boyfriend first, which, like, offended him and hurt his feelings. But in my defense, there's no fucking way he would have been able to qualify for a loan. No, but it's weird baby daddy loan. I paid him back quick, though. I was just waiting for my taxes to hit. Yeah, you're fucking. It was the first time I had a tax return in, like, a lot of years.

Starting point is 00:27:13 Of course. You have your single mom tax credit. It's like a big Christmas. We're really supporting the best futures here, ladies and gentlemen. This show is changing my perception of the world. Let me tell you. It's fucking crazy, the things that we have witnessed. Okay.

Starting point is 00:27:41 Yes. What the fuck? You broke up with your baby daddy because he had no sex drive, but then you guys broke up when you got pregnant. These notes that are, I know, no, I know. I have often. You are a creature.

Starting point is 00:27:56 No, yeah. So because he wouldn't fuck you, but clearly did because you got pregnant. And then you wait until getting pregnant. Hold on. Hold on. I often refer to my son as the second coming of Christ because I don't know how in the very few times that we did be intimate that I got pregnant. And also, I didn't know that I was pregnant until not a lot.

Starting point is 00:28:20 Not very much. And he was working out of town. Once a week, once a month, once a year. Once a week is probably three times a month, tops. Topps. You broke up with him because of that after you got pregnant? Hold the fuck on. Okay, so I broke up with him not knowing that I was pregnant.

Starting point is 00:28:36 And then I found out I was pregnant. And I was already 14 fucking weeks along pregnant, which is like halfway through. So we kept the baby, obviously, and he's just the best little thing. So, yeah, we got back together because I was pregnant. And then we broke up again when my son was like, I don't know, two or three, and then found our way back together for whatever reason. Because you try, you try to make it work. You try.

Starting point is 00:29:03 But then it doesn't. And then you broke up a final time and then found an alcoholic in two weeks. I know. I know from the outside it looks fucking nuts. I know. Has anything in your life not looked bad. Insane crazy? Probably not.

Starting point is 00:29:19 No, I don't think so. Listen, I got to get into these finances, but you're wild. And then your chat, GP, teen, it's clearly not working. I use that for everything. I'm not anti that. It's a good search engine for sure. But, okay, what do you think your financial score is zero to ten, zero being the worst, 10 being the best.

Starting point is 00:29:39 0.5, okay. If you guys want to see where you stand in the world of finances, take our assessment. It's free. Go to Calebhammer.com or click that link in the description below. You can also go to Calebhammer.com slash apply to be on this show. I'm going to jump into Venture 1. What's going on? That's the one that I still actively spend on, which is mostly like...

Starting point is 00:30:01 Why the fuck would you do that? Well, that's mostly like for travel. Like if I'm traveling, then it's... Okay, so follow up question. Why the fuck would you do that? Because I don't know. Because you need to have one, like, active for like emergencies and stuff. Granted, if the travel...

Starting point is 00:30:19 $1,687 in travel or not emergencies. This isn't an emergency thing. You went and spent $410 on a credit card that already had a high balance. You spent double what you put towards it is a minimum fee payment. Well, $46,080, the interest is accruing. What are you talking about emergencies?

Starting point is 00:30:33 Fuck you emergencies. This is dumb as tits. What was it for 10? I think we'll find out. How about you should probably know? I know, I know. $73 minimum minimum payment. How long does this take to pay off if you do not?

Starting point is 00:30:46 If you do not purchase on it and you only do minimumity payments, which you're in. capable of not purchasing. I said you're incapable of not purchasing what. Okay, I don't ever, ever just make the minimum payment, ever. Doesn't matter because you still spent

Starting point is 00:30:59 double what you put towards it, so it doesn't fucking matter. All while interest is occurring, how long does it take the pay off, minimum of the payments only no purchases. How much is it? How much is it the... $2,687, with a minimum of the payment of $73. Nine years. 15, 9.

Starting point is 00:31:15 14. Yeah. Yeah. What are we at that point? 60. Sorry. Fifty one? Yeah. Sorry, I was going off your looks. We make jokes here. We make jokes here.

Starting point is 00:31:32 Every joke is based in reality. Okay. We make jokes here. Uh-huh. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do?

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Starting point is 00:32:23 disposal, well, hold it. The PlayStation Network, in my fucking defense, we gave that PlayStation away, and I can't, like, I can't get rid of the fucking monthly thing. I don't know what email address or anything. Report it.

Starting point is 00:32:34 Report the payment. I did through Capital One. Who did you sell it to? Talk to them. I don't know. What? I know. How do you not know?

Starting point is 00:32:43 You don't know who you gave it to? Facebook Marketplace. I could probably go back. Yeah, you could probably. go back instead of paying $10 a month forever. Yeah. Yeah. I made a minimal effort through Capital One.

Starting point is 00:32:57 I was like, don't pay this. Minimal, which is the definition of your life. Minimal effort and anything and everything you've done, including your entire career. Well, career, yeah. That's an important part of a life. Communist, capitalist doesn't matter. Careers are important.

Starting point is 00:33:11 For some people. No, that's an important part of life, not just for you. That's an important part of paying bills, finding purpose. If you're going to spend the majority of your time at work, do what you like, and you have to find your way into it. Yeah.

Starting point is 00:33:26 And fight for it. Yes, it's an important part. For some people. How can I deal with you if you have such immature takes on that? I think that's a common question for everyone. I don't know. I don't know how to deal with me. I'm shocked my baby daddy dealt with me with me for as long as he did.

Starting point is 00:33:46 Clearly he didn't because he left three times. I left. the lever. I was the lever. I'm sure he encouraged. No. Listen, total interest is $183.42. You're spending money you do not have on a credit card. You cannot pay off that is a Korean interest. Do you at least do tie houses here and this extra time? I mean, I could. I could go back to making edibles. I could make a lot of money on the side doing that, honestly, if I wanted. Why is that the thing we're doing. I mean, it's legal in California, but you have to be licensed. I'm sure what you're doing was not legal. No, no, it was not legal. When were we doing that? What were you making?

Starting point is 00:34:27 From 20... I'm sure you didn't pay taxes, right? No. Pay taxes on my drugs. Come on. I know. I did that from... That's how they get you, though. 20 to 20, like mid-2020. What made you stop? I got burned out. I monetized... I got burned out. I monetized a hobby and I didn't like it anymore. I would not recommend doing anything illegal, but what the fuck? Can we get a side hustle that's perhaps not illegal? Probably.

Starting point is 00:34:54 What do you enjoy doing in life? Like, when I get off work, what do I do? I'll, like, smoke a shit and water my plants and stuff. I like plants. Oh, my goodness, you're such a failure. Oh, my gosh, you are such a failure. A lot of people smoke, Caleb. Yeah, you're doing this every day after work.

Starting point is 00:35:13 A lot of people smoke regulation. Wow. It's like your, your fumes are making me high. Okay. So, rec, wreck you, wreck, wreck, wreck a, wreck a, wreck. Today, junior. Recreationally. Well, that, yeah, but that's not daily.

Starting point is 00:35:37 If you're daily, you're on an occurrence. And then once you're like to do in terms that I could like monetize and make a sidehouse a lot? No, what do you like to do? Maybe I can find something. I could. I would work more at the job that I have. I just don't want to. So let's find a job.

Starting point is 00:35:53 Let's find a job that you would be happier to pick up time. Let me tell you, the employment and fucking opportunities around there are not like plentiful. Then move. No. Why? I, I'm, my boyfriend and I do want to move like probably after, I'm sorry, probably after my son finishes high school. Why are we going to go scoot? boot.

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Starting point is 00:36:46 No, leave... Take it. the split custody. And what we have now is like good. Like we all get along really well together. My baby daddy and my boyfriend and I and my son. Do you at least have any savings to show for all this time? So why I don't have savings currently,

Starting point is 00:37:07 why I haven't built that back up comes... Built back? Back because I did have some. I had... Who did you have? I had like three grand. Why? Not like woo!

Starting point is 00:37:16 But I had... Oh, it's money. Okay, yes. Well, I had that. But when... back to why I kicked my boyfriend out of the house is because this had all come to a head where I ended up going to jail for felony domestic violence.

Starting point is 00:37:33 Oh, she's a crazy bitch. But it was a holiday weekend, so I didn't want to be there from Friday morning to Tuesday morning, so I had to use that $3,000 for bail to get out because I didn't... I thought you were going to say domestic abuse isn't applicable during holidays. It is. What did you do? You're insane.

Starting point is 00:37:55 Why are you here? You scare me. I don't. I browned back in because I don't really remember a lot of like the cops getting there and all that but I do remember

Starting point is 00:38:05 being in the cop car in the driveway and they had put me in the front seat. What did they tell you you did? I hid, no, well what I'm told is that I, listen, what I'm told is that I ran out of patience and I stood up off of the couch

Starting point is 00:38:17 and I said, fine, I hid him, just take me. And so then again, in the cop car I was running out of patience and they had me in the front because there was a dog in the back, and I, like, squiggled around and was able to open the door and get out of the cop car. And I came up to my porch.

Starting point is 00:38:30 I'm like, what is taking so long? Like, let's go. And then we went. But then I didn't want to be there all weekend, so. What the f f***le? What the f f are you? I know there's a lot going on. And you think this is cute.

Starting point is 00:38:46 Look at you giggling. Look at you giggling. You got to be that way. I have to be that way. I have to be that way. I have to. about us being a horrible parent. He wasn't there.

Starting point is 00:38:56 Are you kidding? Yeah, but you're still his mother. I am. I know. And you drained your savings to bail yourself out of jail and you hit your husband and then escape the cop car. Yeah.

Starting point is 00:39:05 What the fuck did I even just say? That's insane. And then you were in jail. So the felony, where did that go? Away. Why? I just had to show up to court, I think twice and they dropped it.

Starting point is 00:39:17 They never even fully filed it. The DA. Who was pursuing him or the DA? The DA decided. I wanted to not pursue charges. Do I look violent to you? I'm not violent. I'm not violent.

Starting point is 00:39:30 You're singing George Strait, Garth Brooks? Yeah. Okay. Yeah. Me and the cop. Not just me. It was not a solo performance. She's a Garth Bix, Garth Brooks Gurley.

Starting point is 00:39:43 She is. I was telling Lindsay, actually, on our call that I was kicked out of a Garth Brooks concert once. My third one. Do you want that story? No. All right. Back to the finances.

Starting point is 00:39:58 I'm fucking trying. Okay. My gosh, I have just insane notes about your spending, how you're just blowing money, buying weight loss supplements from China on the gray market. It was like Ozepic, and then you started buying things to lose weight and injecting them from China.

Starting point is 00:40:17 Then he started getting into pharmaceuticals from India. You gained a bunch of weight, When your boyfriend started dating. Yeah, I did, yeah. And now you're still spending $21 for 10 doses as a bootlegos Zempic. Trezepetide. There's a difference. What the fucking, and you're reselling it to your friend?

Starting point is 00:40:35 What are you doing? Not that bad from the day to day. It's just when you look at it from the outside, it does look pretty. When we put your life together and actually look at it, it's crazy and fucking insane. Yeah. Purple. 2.7% interest rate on this credit card. The first one? How many? Sorry, say again?

Starting point is 00:41:01 No. Okay. Okay, quick silver one. What's going on with this? Okay, that one, I don't spend on that one anymore. I could not tell you the last time I spent on that one. And I, um, like... Great, it's only at $3,788. Yeah.

Starting point is 00:41:18 Yeah. Yeah, she's doing so well. Mineral monthly payment, $129. $20 years to pay this one off. But I always pay like $400 on that one a month. Ish? Nope. What do you mean? No.

Starting point is 00:41:29 Well, that's not how much you put towards it at all. So I don't know what you're talking about. What's the fuck going on? How'd you get into this debt? Do you remember getting into this debt? No. Is this a story that leads to smoking nothing getting into this debt? With you, I don't know what this point.

Starting point is 00:41:43 No. Did you buy a bunch of cockroaches and put them in a bathtub and swim in them? I don't fucking know with you, okay? That particular card has just been a thorn in my side for a long time. I haven't spent on that one in a long time because it has the higher interest rate. So I willy-nilly the other one. Like 22% versus like 28% Yeah, it's going to great.

Starting point is 00:42:03 I think, but that is not what's got me like to this. I think if we could circle back to like the traveling, it's like so last year, just last year I went to Hawaii twice. Mexico. Mexico maybe, but you have to really much. Okay. Now wait a minute though. See, Hawaii is not that bad because

Starting point is 00:42:26 we wait until the flights are like $2.97. You can't afford $2.97. Okay, but then my best friend, her aunt, has a house there, so we don't pay for the house. We don't pay for the rental. You pay for food. We pay for food.

Starting point is 00:42:38 We pay for excursions. Food in the flight. We don't do guided. We do our own thing. It still costs money to rent, like a boat or a paddleboard or to go on parks and stuff. And food in Hawaii is very expensive. It is a bit.

Starting point is 00:42:51 Honestly, I thought it was going to be a lot worse, but with California is. You can't afford. to anything. I don't know what you're talking about. The hobbies, like the crystals and the plants and the, I could, I guess, see how the plants could be a bit. I do, so I like to go to... How much you spend it on these fucking hobbies? Well, I like to go to grocery outlet bargain market because they always have really good plants.

Starting point is 00:43:15 And I rationalize, like, if the plant is part of the grocery bill, it kind of like doesn't... It doesn't count in a way. No, I know. The hardware store is really great plants, too. So if ever we have to go to the hardware store, there's always, there's a plant sneaking in there. Because it's like, it's not like I'm specifically at my highest. So I got the gastric bypass when I was 21 and I was like 220 pounds. And I'm 5'2.

Starting point is 00:43:44 How much do you weigh now? 130. That's incredible. That shows that you have actually one thing in life, thank you. One thing in life that shows that if you want to, you can do it, which that gives me at least a little bit of hope with finances, but man, with everything else, I don't know. You seem fucking crazy. So, I mean, that's a lot. I mean, 90 pounds, right? So. Yeah. It's like a whole human. Yeah. That's a lot. That's a lot. If I lost weight, if I got down

Starting point is 00:44:13 to 160 or 180, would I need fucking sleeve? No sleeve. What was it? Oh, Breguoplasty? Wow. I don't know. Would I need it? My arms, this is abdominal plastic. What I need it? This is, I don't know. I'd have to see you without the shirt. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this.

Starting point is 00:44:40 Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. They end to be clear, they're not a bruce. brokerage. Blossom is a completely free social media platform. They're not your typical investing

Starting point is 00:45:01 app. It's social meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today.

Starting point is 00:45:39 The arms, though, like, the arms were a way bigger thing than this. I really wanted the arms to go. Okay, I'm just wondering. The minimum of the payment is $129 again. It takes 20 years to pay this one off. Interest. Too many. Too many years. Yeah. You'll be almost 60 at that one. Interest this year so far, almost $500 at $20.24%.

Starting point is 00:46:07 Interest. It's insane. That's yucky. In my downtime at work, because, like I said, I get those... Because you do nothing, but you're the best of the job. Listen, motherf-fri-I am the best at the job. When I'm not there, it falls... The best at clicking a couple buttons. But there's more to it than that.

Starting point is 00:46:25 I swear there's more to it. that and when I'm not there, the shit falls apart. I'm already worried about the sh**, I'm going to have to walk into tomorrow. What I was saying was in my downtime. When I was in, or when I'm in my downtime, I sit there and I plan little vacations. No.

Starting point is 00:46:43 Yeah, because I can get hotel rooms that are cheap as like 45. But more goes to a vacation than a hotel. But when the hotel is only $45. It helps on the cost, but still, if you cannot afford $45, which you can't, then you can't. Even if something's, a discount. If you can't afford the discount, you can't do it just because it's in

Starting point is 00:47:00 a discount. How many trips are we doing? A lot. What? How much 30 hours a week? No future, no retirement. How much? Like, well, this trip, I, for to come here, I turned into a whole ass. But we reimburse some things. Well, what have you done? You reimbursed my flight. Yeah. So I flew in to San. We're not going to reimburse your entire vacation if you're making a vacation. I know. What are you doing? I flew into San Antonio. and we spent two nights there and some like... What can you do for two days in San Antonio?

Starting point is 00:47:32 You can watch the little freaking lit up Cinderella carriages go by every minute. Yeah, for one day. Okay. What do you mean for one day? How much do you travel? A lot. Okay, so like I said, so last year I did Hawaii twice.

Starting point is 00:47:45 I did Mexico last year and this year. Well, in 2025, this year so far, we've done... We went up to Monterey. We did to Hachapi. We did this trip. We went to jawbone. We went to job own with my baby daddy and my son.

Starting point is 00:48:03 We did like a little cutesy desert off-road adventure. It's a fucking insane, dude. You do not make enough money for this. I know. You make literally $2,200 a month. I know, I know. In California, you make $26,400 a year. Yeah, this is what our child tax credit's funding.

Starting point is 00:48:22 Another, the child tax credit funded my car. But another thing. Yes, but you couldn't afford a car. because you went on vacation. So in reality, it funded your vacations. Yeah, the car was more of a need than the vacations. You wouldn't have been able to buy the car without a tax credit if you weren't going on vacation. But because you spent all your money on vacations, do you use the tax credit to get a car?

Starting point is 00:48:41 Do you tell you how that works? Yeah. Okay. Yeah. I don't know why that was so complicated. They're telling me you could have used your mom's car. I did. In the vacation.

Starting point is 00:48:53 Well, I don't like to use her car. I had already been using her car. This is what the rush was for to get a car this earlier this year is I was tired of using my mom's car and I had the Monterey trip planned for my boys. You live in the same house as your mom? Yeah, but no, no, no, no. It's not like we're roommates. It's two houses and one. But it's too cheaper. It's a duplex. I get it. No, it's not. But it's so cheap. Yeah, yeah, all right. It's cheap for me. Yeah, I paid $3.50. What the fuck is your life? Oh, and then, oh, my, why are we even, why are we enabling you? No, no, no, we're not enabling you as a nation and it's in a culture.

Starting point is 00:49:36 No. We need to let you fucking get to the bottom of the barrel so you can wake up and actually grind some shit out and be in a adult for the first time of your life. I'm growing up. You're 40 and you're acting like a child. This is a joke. Yeah, yeah. This is a joke.

Starting point is 00:49:50 My baby daddy called me Peter Pan for like a really long time. Because he's a pedoph, what? What are you talking about? No, because I'm like a child that won't grow up. A pedoph. I don't know. No, because I'm, like, stuck in childhood in the land of no responsibility. And this is not cute, and you have a lot of responsibility.

Starting point is 00:50:07 So what are you talking about? I know, but I'm... You have a child. You're a mother. This is step one in the growing up, you know, getting out of the bear. You're 40! Almost. I'll be 38 on Christmas Eve. Are you ever going to not live with your mom as a 40-year-old?

Starting point is 00:50:26 No, I think when she dies, we're going to Airbnb that part of the house. She owns it? Yeah, she bought it straight out. So the rent that my boyfriend and I paid is just for, like, the property. No, even when he was not living there, he was, he still was paying $200. Oh, you were being so enabled and coddled and, oh, my, fuck, go. I know. I know.

Starting point is 00:50:46 I have, basically. I just hate everything around your life. I don't hate you as a person. I hate everything around your life because it's just supported your horrible behavior. I have spent my life just kind of, like, floating through. You've done literally domestic abuse. What did he say happened? He doesn't remember any.

Starting point is 00:50:59 Someone had to call the cops. That was either my mom. What did she say happened? Or is she an alcoholic as well? No, she's not. She was just nervous. She was scared about the fighting and the yelling that was going on. Which is, you know.

Starting point is 00:51:12 Yeah. A mother. Yes. You. Oh, I am one of those. Kind of. Okay, $1,900 on this U.S. bank account. Okay, so that one.

Starting point is 00:51:24 $40 minimum fee payment. What? That one is. It's just free right now. Yeah. I opened it so that I could move from capital. You're putting extra on an interest-free card instead of a fucking card that is accruing interest. You put extra on this card.

Starting point is 00:51:37 What do you mean I put extra? You put more than the minimum fee payment on this card when there's other cards that are accruing interest. Because this. This ends January 2026, so I'm paying that one off before January 20. Yeah, but it doesn't defer interest. Interest just starts accruing on the balance that happened that. What? Why'd you even open this then?

Starting point is 00:51:57 Because I wanted to move the back. Well, chat GPT. the idea. So if I open the zero interest one and move part of my balance over there, and then I pay that one off, which I'm on track to pay that one off by January 2026. You see? That one's good.

Starting point is 00:52:16 That's a good one. You're going to make it, I promise. I don't know. I don't know if you're going to make it into your 50s, but I'll always make it through this episode. We're just to pay this off. Listen, uh, The thing is, yeah, pay up the cards that are accruing interest. This isn't deferred interest.

Starting point is 00:52:40 So whatever balance it is by the time interest starts, it will accrue at that balance. Not at the balance it is today. And you're not getting backwards punished. There's other cards that nearly 30% interest attack those. Or if you want to do snowball in order to whack out minimum payments, yeah, you can attack this first. But it looked like you were trying to do avalanche method, which is highest interest rate. I don't know what that means. Snowball method.

Starting point is 00:53:01 I'm not a David Ramsey, girly. I'm just fucking with you. Go on. Snowball. So you do know it, though. I don't know Avalanche. I'm vaguely familiar with Snowball. Tell me.

Starting point is 00:53:18 Little is the biggest. Avalanche is highest interest rate to lowest interest rate. Okay. Which is kind of what you're doing. So I assume we were doing that. Oh, no, no. What are you doing? GPT didn't mention any of those.

Starting point is 00:53:28 What did Chad GPT tell you to do? Because pay that one off first. So Snowball. Is that the lowest? Yeah, so then yeah. Why are you putting extra money to the other cards then? Because I always put extra money on everything. Did Chat,

Starting point is 00:53:39 Do you tell you to? No, I've been doing that. Because that is not a strategy that exists out in the financial world. Is that a dumb thing you're doing? It is? Yes. I thought it would be stupid to just make the minimum because half the time that doesn't even cover the interest. It doesn't.

Starting point is 00:53:52 It doesn't. But the snowball method is to unlock the minimum of the payments that you are putting towards the USA Bank. You take the USBA bank first. You kill it quick without putting any money extra towards other banks. By the way, no method suggests spending on credit cards would you did on the first one. So, fuck off. But either way, then you take this first. $40 minimum fee payment, and you roll that into the next debt.

Starting point is 00:54:11 Then you take that minimum of the payment and roll into the next debt. That's how you do it. You don't put no financial person recommends putting more on other cards. You either attack the highest interest rate one or you attack the lowest balance one. Those are the two strategies. Technically, Avalanche will pay it off quicker, but a lot of people find a higher success rate doing snowball because you get quicker psychological wins. And I'd rather get there, have a higher chance of getting there than getting there quicker

Starting point is 00:54:36 at a lower chance. Okay. You've paid, this must be balance transfer fees, I hope. Yeah. $66 or hopefully we haven't had late. I've never had a late payment, no. Okay, why, I don't know why they're asking me this, but they want me to ask you, and this is going to fucking murder me.

Starting point is 00:54:56 What does Chad GPT think about you buying time shares? Okay, that was a long time ago. That was before Chad GPT and I became homies. Do you have it now still? No, no, no, no. Oh, then I'm good. No, no, no, no. You're obviously not a credit card person, dude.

Starting point is 00:55:13 I mean, this is just absolutely ridiculous. And yeah, there's no deferred and ends in January, 26. But use the phys card. It's a debit card that builds credit. I already told you I'll connect you with therapy, but I also get you a course career certification. If you ever decide you want to actually have a career at some point. So, but doubt it.

Starting point is 00:55:31 Okay. So what's this? What am I looking at? I needed a new laptop. What am I looking at? What is the service? What do you mean? It's your eBay.

Starting point is 00:55:40 Oh, it's either a firm or afterpay. It's a firm. Okay, thank you. Because I saw after a pay next. Oh, yeah, yeah, yeah. Okay. My gosh. I don't know why that was difficult.

Starting point is 00:55:48 So you affirmed a... A $100 refurbished laptop. I didn't go crazy. Yeah, but is that going to last? I don't use it for much. I use it for planning vacations because that's like big screen activity, you know. You have nothing going for you in life. This is a sad existence.

Starting point is 00:56:07 This is a sad existence. I'm not sad. Like, I'm not sad. You will be. It's a problem for a later. It's also a problem for your kid. I don't think it's a problem for him at all. What do you mean?

Starting point is 00:56:22 He's going to have to defer everything to take care of you. He's really not, though. Why? I would never put that on him. No, it's not you doing it intentionally. It's that you did it via your choices still, though. Well, now I have a real job, so I'm, like, contributing to retirement again. Anytime that I've had a job on paper

Starting point is 00:56:40 I've contributed to retirement It was just like that... Retirement is nothing. It wouldn't even let you survive for a year. You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough.

Starting point is 00:56:53 Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get this day you expected. When you want savings, not surprises. It matters where you stay. Hilton for this day.

Starting point is 00:57:15 Well, I'm not retiring tomorrow. Yeah, but you're not that far off either. You're literally 12 years away for being able to take away money from a tax advantage account without early retirement penalties. I'm not doing all that. I'm not doing all that. Yeah, why would you do things that are good for you? Again, the kid will have to take care of you because you're either ignorant or you're just, you don't give a fuck. You don't think he would, but your kid is not going to set aside and they're not just going to let their mom die out in the wilderness. I'm not going to be alone in the wilderness. I'm going to have my boyfriend who will be my husband.

Starting point is 00:57:45 I don't know. Since you guys leave each other constantly, all relationships you've been in. So good luck with that. Doesn't sound like you're the most consistent person. Okay? Eh-huh. Huh? Yeah, I don't think I'd describe myself as consistent either.

Starting point is 00:58:00 Exactly. And I need to actually tell you this because people have probably babied your entire life. You are a failure. No. Yes. No. Failure adjacent. The only reason you're surviving is because your mother has purchased the house and is giving you subsidized rent.

Starting point is 00:58:14 No, I would have found a mother. Yes, no, doubt it. You're not willing to work. If I was forced, then I'm sure. I would have made it. I would have made it work. Let's see what Jack GPT says about this. I'm not suited for like the homeless life.

Starting point is 00:58:28 Hush now. Dude, you look homeless. Hush now. What I do? Chad GPT, what would you say about a, girl having her ex-boyfriend move into her house now that they're technically back together and they were alcoholics together enabling their bad behavior when they lived together. And there was a domestic abuse situation where she got arrested and drained her entire savings

Starting point is 00:58:53 to get her out of jail because she hit her husband. And the only reason they're able to survive in their house is because their mother subsidized her because her mom has actually done a little bit of work in her life to actually set herself left for this guy. Unlike this girl. Is she going to be nice to me? doubt it. Look at your entire life. This situation clearly reflects deep-rooted financial irresponsibility, ongoing unhealthy behaviors, and enabling dynamic that is likely to repeat or worsen.

Starting point is 00:59:20 So you're enabling each other unhealthily, financial mismanagement unlimited, dependency on external support. Yeah, because you're incapable of being an adult. Yes, we know that. You need that for boundaries, professional intervention if necessary, and take financial accountability. Nope, nope, nope, nope. Okay, great. Good luck. I do have pretty good luck. Like, things do tend to just like...

Starting point is 00:59:44 No, you don't. Your life is not good. It's not bad. It's bad. Like, that is bad. Your life is only, you're not, you're only not on the streets because of your mom. Yeah.

Starting point is 00:59:55 That's bad. Oh, my God. But, I mean, if it wasn't her, it would be some... I would be fine without her. I would have found an alternate... There is nothing to suggest that. You're nothing but a disaster. Yeah.

Starting point is 01:00:13 There's nothing to suggest that. I would have been fine. Your existence is horrendous. Everything you've done has been a joke. You wouldn't have survived. This is just like one part of life, though. The rest of my life is pretty good. Shut the f*** up.

Starting point is 01:00:31 You didn't vibe along, you know? Okay, well, you owe $81 to $77 left unless you make minimum of the payments of $20. $27 and 26. Okay. I don't know. It's going to be really sad when you come on the follow-up show and someone relapsed. No, that's not going to happen. I hope not, but it's been six months and you already said how you have before.

Starting point is 01:00:52 And we know you guys... I'm not worried about me. I mean, I'm not worried about him either. I am. No, the two of us together especially do not. We do not know. There will be no drinking. There's no.

Starting point is 01:01:02 It's a big no. It's been six months. I know how many months it's been. I'm not ruining for it, obviously. I'm just like, look how you've lived your life. You've already had beers. You said you've had one-off beers. I have.

Starting point is 01:01:17 You're just one fucking little slip away. You are so close. You are teetering on the edge. And then you're bringing in an enabler into your house to live with you full-time? Dude, I don't know, man. Afterpay. We're purchasing on what? $42.70 cents of purchases, what?

Starting point is 01:01:33 The after pay, I looked, and it is like, Exclusively. She! All the beauty. She! She! She! It's not really going to work, is it? There's just those two only. Because I need those things. Listen, that's clearly like $2 like lipstick from the party store.

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Starting point is 01:02:54 Have you drink on this trip yet? No, no, no, no, no. Good. No. We talk about that, like, all the time when we're on vacation and, like, we see bars and stuff, or we always ask, like, how many beers deep do you think we'd be by now? And, you know. Sounds like a very healthy.

Starting point is 01:03:09 relationship. It is. Okay, I have a note from you. If you were to ask him, my baby daddy would probably tell you I owe him $15,000 for the surgeries because I did do the super cliche thing of breaking up with him. Like a month after surgery, we had been together for almost 12 years. Trust me, fam, I earned that 15K in those 12 years with him. Ha, ha, ha.

Starting point is 01:03:34 I did. What for dating him? What do you mean? for just putting up Listen he's a great Putting up with him not sticking it in That's it That wears on a girl

Starting point is 01:03:45 Okay, it does It makes it f***s with you psychologically it really does It sucks to be like Turned down all the time And like you know that other people Want to have sex with you But the one person that you want to have sex with you

Starting point is 01:03:56 Doesn't want to have sex with you And it sucks That was just the main one So he owes to $15,000 for that No he don't know me anything It's already done You said you made it You made what?

Starting point is 01:04:07 The 15,000 from him not fucking you. That was the cost of the brachioplasty and abdomoplasty. You said you don't owe him back because you made. I don't know him. I don't fucking owe him. I earned $15,000 in those 12 years with him. Yeah. Because he didn't dittle.

Starting point is 01:04:20 Among other things. He's also one of those that's like, I don't know how to do dishes. Like he's one of, I did a lot. Paper plates. What about the environment? I'm just with you. I like paper plates a lot. Dermone.

Starting point is 01:04:36 No, he's, listen, we just are very, we're not well suited for each other romantically. He's a wonderful father. We're just, like, I'm too much for him. He's real, like, he does. Does he fuck her? I've asked, he said everything seems to be going fine in that regard. But that's him saying that. Maybe it's because you're a crazy drunk who smears.

Starting point is 01:04:56 No, no, no. It gets them fired from their jobs by sending titties to everyone. Well. Yeah, I think it might be a little bit on you. Come on, you're crazy. We know those. You got kicked out of a fucking concert. Yeah.

Starting point is 01:05:11 But that one, too, like, you know how Garth Brooks? He's very, like, sentimental, and he likes to, like, do the mushy stuff with the fans and stuff. Did you guys ever get arrested together, you and Baby Daddy? No, he, no, no, no, not together. No. But he's been, he's been arrested. Oh, my gosh. What is happening in that town?

Starting point is 01:05:31 I know. Well, these little mountain towns. There's not a lot to do besides drink. Move. I know. I don't want to move yet. I'm going to stay at least until my son's done with high school, and then I can spread my wings.

Starting point is 01:05:51 Oh, another note. What's that? Oh, I think I do also owe my DUI program like $100, but I keep forgetting to call out Lund. I think because I missed a couple. So you're a part of a DUI program. Now, I, my, okay, I did get a DUI in 2018, but I didn't start taking $1,000.

Starting point is 01:06:07 I know, I didn't start taking care of it until... What a joke you are! Until 2023. What a mother. Well, it was a long time ago. It was a long time ago. We all make mistakes, but my gosh, this amount of stacking is fucking crazy. And still with what you're doing now and your mindset on things, not feeling great.

Starting point is 01:06:28 I feel great. I feel good. I don't feel bad. So. You could just add that to the little. Yeah, I'm going to add it. I don't. How many DUIs have you had?

Starting point is 01:06:47 Two. Oh my fuck. Why? One was in 2012 on me and my baby daddy's first date. He should have probably fucking ran them. I know his sister came and picked me up. That was the first time she met me. We're like besties.

Starting point is 01:06:59 It's fine. And then the second one was 2018. But I didn't start. I didn't like, I just did nothing until 2023. and now I'm almost done because it's like an 18 month program. Oh my gosh, I don't know. Jack GPT hasn't

Starting point is 01:07:19 just like told you to shut the fuck up and like go into a forest. Nice to me. Like too nice, I think. Yeah, you're going to like change a setting. You got enabled from your ex now current boyfriend and now you're being enabled by GPT. I've been enabled like my whole life pretty much.

Starting point is 01:07:37 Okay, student loans. Oh my gosh. How much? Oh, boy. Wait, how much in student? loans. Oh, that's the, that's the big one. 68,000 of 40? How?

Starting point is 01:07:48 Because I've never made a single payment in my life. They can garnish your wages. And this administration is not friendly to people who don't pay student loans. Okay, well, hear me out. So I asked. Yeah, I guess. I'll attempt to hear you out. I asked my buddy, chat GPT, what to fucking do.

Starting point is 01:08:07 And he guided me through, okay? And what did he guide you to? And I signed up for, the income-driven repayment thing. And so I... When? I don't know, like two months ago. Okay.

Starting point is 01:08:20 Okay. And so I pay zero. I have to... I pay zero. You guys like this? You guys like this? I know. I know.

Starting point is 01:08:27 It's pretty bad. Here's the fact. Here's the fact. I'm not against social programs at all because we all pay into it. So you get unemployment. If you get unemployed, whatever, that's fine.

Starting point is 01:08:35 Some people need help as well. Okay, that's fine. Maybe some people can't pay the student loans for different reasons. She is actively choosing to not make money. because she does not want to work. She is actively choosing to not make money. And then she's able to not pay her student loans by saying,

Starting point is 01:08:49 I'm not making enough money when she is choosing that. What a fucking joke this is. Why are we enabling her? Why are we enabling her? She gets her fucking child tax credit and chooses not to work. And now she doesn't have to pay on her student loans because she's choosing not to work. What a joke. I swear, you were going to fucking turn me into someone that just wants to,

Starting point is 01:09:10 you're going to fucking turn me into the, What was his name? I don't even know. I don't know, but I just want to just end everything. Because you guys, you're crazy. There are people who actually need help and then you ruin it.

Starting point is 01:09:23 I did what chat chibati told me to do. Yes, but the fact that you're able to is a joke. Hey, that's not my problem. I didn't make the rules. No, it's all of our problem. That's the bad thing. Well, I mean, like I said, I'm not against social safety.

Starting point is 01:09:36 Like you said, what a joke this is. The current administration is like cracking down or whatever. Yes, but you're on it. We'll see. I don't know. The head of the Department of Education might be like, you know what?

Starting point is 01:09:46 We're not doing this anymore after they see the show. If you see the show, please kick her off of it because she does not deserve it. She should be forced and garnished. She should actually learn consequences of her actions. I can't believe I'm even saying that. But whatever. It's so stupid that you're even allowed to do this. You specifically.

Starting point is 01:10:04 Yeah, my baby daddy. Drink it all the way. And then here we go. Okay. So how long are you in school? Oh, my God. forever. I changed my major. So we enable that as well. Good job, society.

Starting point is 01:10:16 I finally graduated in 2018. I was going to be a teacher, but then I realized I fucking hate kids. I don't have any patience. Forever. I started like, I don't know. I was probably... How long were you in school? I'm thinking. Like, off and on,

Starting point is 01:10:34 probably from the time I was like 20 to however old I was in 2018. So if we're in 20, So like 10 years? Yeah, probably like 10 years. You're in school for 10 fucking years, and now you don't even have to pay back

Starting point is 01:10:47 because you refuse to work. Yeah. And the thing with that is, like, I was bad. I would just take out the maximum amount every time, even if, like, I didn't need it, and just, you know, do whatever I wanted with it. But that was a long time ago. And it does a lot of money for a degree

Starting point is 01:11:04 that I don't do anything with, you know. What was your degree? Liberal arts. Because I was going to be a teacher, because I was going to be a teacher. And I... You were going to be in a classroom? No, I know. Isn't that crazy?

Starting point is 01:11:17 Yeah, insane. I know, right? So I quit my job at the casino with the intention of subbing for a year before going to get my certification. But then the world shut down, and I didn't have that opportunity. Thank God. Good. Yeah. I wouldn't want you anywhere near a classroom.

Starting point is 01:11:35 I mean, I could still sub if I wanted. No. Not after they see this. No I don't know how your kid has made it He's the bet He wins the spelling bee He has won the spelling bee every year

Starting point is 01:11:52 He's one staying alive in spite Oh Yeah He's a good egg That one He was going to be resilient Let me tell you He's well-traveled

Starting point is 01:12:04 That too So that was like That works fun But just doing fun things And destroying our life financially what will result in a health. Not loving your AT&T or T Mobile Bill.

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Starting point is 01:12:34 A better deal. No surprises. That's Verizon. Best Network based on Route Metrics, Best Overall Mobile Network Performing U.S. second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name, the person making me the deal additional terms conditions and restrictions apply for your life no i suppose not

Starting point is 01:12:48 suppose not but see but the travel okay but with the travel too like his dad so you're paying it is zero dollars yeah that's such a joke such a fucking joke and the only reason i knew anything was fucking going to rise because my credit score went from like 720 to like 513 or something assenine and i realized it was because the student loans started reporting so then that's when i asked chat gpt for help gosh the people the people that come on the show like you, it just makes me look like the most conservative person. I promise. I mean, we don't do politics,

Starting point is 01:13:20 but I promise I am pretty neutral down the middle. I'm right on issues. I'm left on issues. I just try to go where the facts are and I will change my opinion every day, any day, whenever new information comes out. But my goodness, people like you. I know. What a joke.

Starting point is 01:13:35 You make me understand the old white people that are like, maw. This is what I mean by, I've kind of just been able to like float through on like luck and vibes. It's not luck, it's by the support of all of us. Because you would have been having to pay on these student loans. They would have been garnishing your wages. And then from what I can gather, like...

Starting point is 01:13:53 We wouldn't be giving you money just because you have a kid. If I make the payments on time for 15 years or something, then it all goes away. If they continue to allow that, we'll see. Not knocking on wood for you, girl. I didn't ask you to. You should have to actually have at least one piece of responsibility in your life. One. I do.

Starting point is 01:14:12 Your mom funds your living situation. You don't have to pay under student loans and you get my taxes because you birthed a child. But again, I'm not even against the child tax credit, but look how you're using it. You're using it to travel. That's a take care of the fucking kid. Oh, my God, I need the car. How am I going to get his house to school? You could have afforded the car if you weren't traveling.

Starting point is 01:14:31 It is the mathematical way it works. Exactly. So I don't know why the fuck you're bringing it up. $250 in a checking account, $255,000 in a savings account. Okay. And went, or checking account went down. Well, yeah. Well, yeah, like it's supposed to.

Starting point is 01:14:49 Paycheck to paycheck. By choice, because look at this. Look at this, ladies and gentlemen. Ladies and fucking gentlemen, look at that mess. Shut the fuck up. Jack in the box, Fortnite, Apple,

Starting point is 01:15:09 sporting goods, afterpay, stones, throw, maz, jumbo juice, door-dashing denies, fucking Doordashy Denny's. Oh, that was for my mom. Amazon. Amazon Taco Bell. McDonald's.

Starting point is 01:15:24 McDonald's. After pay Doordash in the burger. Fuck you. Not even giving him nutritious meals. Going.com. I was in wireless. Shut the f***. Zanders something.

Starting point is 01:15:39 Amazon, Microsoft, Fortnite again. That's for my son. I don't give a f***. It is money you don't have a lady. Yeah. I'm not paying taxes so he can get Fortnite. Is that two fortnights in one month?

Starting point is 01:15:51 Yes. I am paying for his skins. Instead of being able to hire more employees, I am funding your son's Fortnite skins. He appreciate it. Apple bill. Venmin out money. Etsy, zelling out money.

Starting point is 01:16:06 Apple bill. Zelling out money. Verizon. Zalina on money. Apple bill. Apple bill. Savings $161. What a fucking joke. Monthly maintenance fee because you don't have it.

Starting point is 01:16:16 in there. What a disgusting joke. Pull up your fucking phone. Pull up your damn stupid phone. For what? Which do you want? For whatever I want. Okay. You look a lot younger in your profile picture. What profile picture? Oh, my Apple one?

Starting point is 01:16:33 I was younger. That was at a time show. Yeah, chat, GPT, period, tracker, I cloud applause, moon X, moon over the something. I got rid of that one. Peak, Pro. Text, art. No, those are old. Those are old as fuck. Yeah, well, some of them are It's inspiring, but you just paid for them recently.

Starting point is 01:16:49 So, NARWOL for Reddit. What the fuck is that? They used to be a big thing, wasn't it? It expired just basically last year. So, let me look at your Amazon. Okay, the Amazon, my mom and I share. So some of them are hers and some of them.

Starting point is 01:17:05 Miam Mix. That's her. Shampoo bar. That's her. A lock. Oh, that was me. I ended up not even needing it. Sport tampons.

Starting point is 01:17:13 That's me. Men's underwear. Oh, I. I got those from my boyfriend, sorry. Great, because I'm from... No, I was tired of looking at his old nasty underwear. He needed new underwear. So I got him underwear and socks.

Starting point is 01:17:28 I've been getting nagged at it. I've been getting nagged at two to get new underwear. I get it. See? I get it. I guess I understand. Dermar rollers. Oh, that's me. What are you trans?

Starting point is 01:17:38 No, I'm going to start rolling my scalp with my Indian pharmaceuticals so that I can grow my hair. More. Kierig. That's her. Lots of sprays and just lots of cat things. She's got cats. I mean, I got cats too.

Starting point is 01:17:56 Yeah, apparently a thousand of them. Oh, goodness. Boots. Boots. Boots. That's got to be her. Boots. Okay, this isn't the worst.

Starting point is 01:18:06 But there's definitely simple in there, and we have an expensive cat litter self-cleaning thing in the cart. That's going to be for her. She can't be trusted to clean up after herself. Great. So she should have cats. Trust me, I know. pair we have here.

Starting point is 01:18:23 And then you said there was retirement? Or is this retirement? Do you want it on here? I don't know. I don't know. What's your retirement? Just tell me. It's from when I used to work at a casino, two casinos.

Starting point is 01:18:37 Yeah, you can pull it up if you want. I wouldn't try. Oh, there's more than I thought. Here you go. Okay. We are in RBC wealth management Not sure $29,000

Starting point is 01:18:55 Okay Where should you be Right now In three years You should be at Approximately $80,000 So you're dramatically behind

Starting point is 01:19:08 And that's just for having a chance of retirement Honestly, that's not going to be good enough Obviously But that's because your income is low Why we have it low at $80,000 You need to be making money You need to be making money I put 10% away of my check right now.

Starting point is 01:19:23 They just barely let me start contributing. I would just take the match until you pay off this debt because still even with the best returns. I don't have a match. Then you shouldn't be investing in anything. You should be paid off 30% debt because you're not going to beat that in the market. Let me see what you're invested in.

Starting point is 01:19:39 I don't know. That's just whatever the man, the financial man. I let him do his thing. I use the same guy that I'm using a guy for $30,000. I'm grandfathered into my under my parents. You're in some mutual funds which who knows what the fucking fees

Starting point is 01:19:55 are on this shit. I have no idea about any. Why? I took my 401ks from my old jobs and I put them there with that guy because I figured he did all right for my parents. What God. I don't know.

Starting point is 01:20:06 His name's Frank. For f's sake. He's a very nice elderly gentleman. Yeah, he's making money from you. You do not need someone to personally manage $30,000. If we're talking a couple million, then we can have a conversation

Starting point is 01:20:16 because you can get some tax savings and whatnot. Are you saying I should take that out and play it elsewhere? Or what? Well, the thing is, I don't know if... Well, you're going to want to trade in the account, so you're not... You're still going to have to pay capital gains.

Starting point is 01:20:26 Well... What? I'm just... I don't want you to face withdrawal penalties, but I would definitely get out of an actively and managed account, that's for sure. And then I also have... I got sucked into, like, the whole GameStop thing.

Starting point is 01:20:38 So I do have $1,500 in GameStop. Take it out. Well, what's it invested in? Is it just a random brokerage? Fidelity. Okay, like, but what kind of account? account in there. Just individual accounts is a no? Is it a Roth IRA? I think it's just like a day trading like a...

Starting point is 01:20:57 Okay, is it an individual account? Sell it, get out. Use that money, put it towards debt. You don't think it's going to go to the... Shut the fuck up. You have 30% debt. I don't give a fuck. I don't give a fuck. But my hands are made of diamonds. Shut the fuck up. I'm sure this guy's taking a percentage of your earnings.

Starting point is 01:21:14 He has probably a fee. And let's see what these mutual fund fees have. Or is this his mutual fund? Does he have a mutual fund? of his own. I don't know. I don't even know what you're asking me. You have available cash 15,000. Listen, of the 29,000 that's in there,

Starting point is 01:21:28 half of it's not even invested. You're kidding. Nope, no jokes were made. Oh, that's not good. Not great. So can I move that money without penalty? You need to talk to them. You need to talk to them.

Starting point is 01:21:40 Okay. Why would it not be? Why would it just be sitting there not invested? I don't know. its net expense ratio is 1.12% a year. What does that mean? You're losing 1.12% a year. Oh, fuck.

Starting point is 01:22:00 Well, that's silly goose behavior. So you get a return of even 10%, which is the S&P 500. Then all of a sudden, you're losing 1% of that. It's so stupid. This is so fucking stupid. Why are you trusting this guy? Why are you going to financial...

Starting point is 01:22:14 I don't know. $30,000 with half of it invested. I just went along with whatever my parents were doing. Frank, are you hearing this? Frank. Yeah, Frank. Fuck off. Fuck.

Starting point is 01:22:21 He's very nice. He's nice because he's making money off of you. That tracks. He's a salesman. Yeah. Yeah. But if I do it myself, I'm going to end up putting in the game stock. Oh, then maybe it's better with Frank.

Starting point is 01:22:39 I don't know. Pay the fee for you being a moron. I guess it makes sense. The silly goose tax. Not a silly goose. Your joke. I know that's insulting, but I'm not going to let you go away and think that you're actually just being cute. You're not.

Starting point is 01:22:57 This is embarrassing. Your existence is embarrassing right now. How you are living your life is embarrassing. I'm having an okay time. By the way, the expense ratio, for example, SPY is instead of one point whatever the other one was, 0.09. Okay. So dramatically less. Dramatically less.

Starting point is 01:23:16 Or, for example, V-O-O, Vangards, 0.03. Why pay these expenses? No, so stupid. And I guarantee you, mutual funds rarely beat the S&P 500. It's like something like 20% do. So the odds are against you. Why did you pick mutual funds? I think that's his own actively managed fund.

Starting point is 01:23:39 I don't know for sure. I don't know Frank. I don't know what he's doing. We all have that dream trip. We've been wishing we could go on. But too often life or usually price gets in the way. That's why price line is here to help you turn your dream trip into reality. With up to 60% off hotels and up to 50% off flights,

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Starting point is 01:24:22 Or put it towards the credit card? Yeah. Your minimum of the payment debt totals are, $269.26 a year. What is your rent? $350. What about utilities? So the gas is, it varies.

Starting point is 01:24:38 Come on, average utilities. Let's say $70 a month. Including the internet? No, no, that's the gas. Okay, so I pay for the gas. Hold on, I pay for the gas and the trash. She pays for the internet and the electric. How much is gas and trash?

Starting point is 01:24:52 The trash is 160 every three months. Okay, 160 divided by three plus 70. your utilities are $134 a month. Okay, great. Got it. Phone bill. Oh, 160. I know.

Starting point is 01:25:08 I'm going to get a different, I know. I know. I just paid my phone off. It's paid off. So now I can switch to one of the... You can use any of them. We like helium because he uses T-Mobile towers. And I use T-Mobile, so...

Starting point is 01:25:18 And if I was on a budget, I would switch to helium. But do you owe your phone? No, I just paid it off. Like just paid off. So you'll switch to that. I'm going to switch. Okay. I'll put it in 30 bucks a month.

Starting point is 01:25:26 One line? Just one. You don't need your kids. did it in a line, right? No, no. He's on his dad's. Okay, good. Yeah, it sounds like that's why your kid's surviving. Okay. Gas, room from Drive Drive. How much? Uh, like, probably like 200. You don't have a car payment, do you? No. Okay, what's your car insurance? 133. How do you have a paid off car? Because I bought it off Facebook Marketplace. That's right, because you got a loan from your ex-baby daddy because you've never been able to do anything on your own. That's correct. Okay.

Starting point is 01:25:51 That is correct. So you only have the kid half the time? Yeah, basically. How do groceries work in the house with mama involved? She, listen to me. Are you guys fully? Yes. I'm just, oh, I'm checking because I need a budget. Yes. Hush not.

Starting point is 01:26:03 Groceries? $450 should be able to do you and the kid meal prep. I don't care. Use our budget friendly cookbook. No, that's good. You guys get the signed version. If you take the annual version of our budgeting app, Tee Fund, I'll give $150. Anything you in the kid need extra, like the sports tampons.

Starting point is 01:26:17 Shove them in his butt. Whatever you got to do. Okay. Medical health care, anything else, anything copays? Uh-uh. What's your health insurance? situation. I'm on poor people insurance. By choice.

Starting point is 01:26:30 Yeah, by choice. What do you mean? By choice. You're choosing to be poor because you're not working? Yes, by choice. So, fuck off. Why are we enabling that? I don't know. I think the threshold's pretty high in California to be on that insurance, you know? Because I have me

Starting point is 01:26:46 and my son on that insurance. And that's going to fuck everything up. Like, if I do start working more, I probably... Be responsible for your own bills. Well, he would have to go on his dad's... Don't rely on the taxpayer. What a joke. Just so you don't have to work, fuck off. Oh my God, that's not why I don't want to work. What a nasty joke.

Starting point is 01:27:01 So nothing, no co-pays, no nothing? No, no, no. Okay, Jim? Um, no. I'll give you $40 to subscriptions. You choose where it goes. How many pets you got?

Starting point is 01:27:14 I have two cats and then when... Health and age. One is a baby. One was born February 10th. And the other one is like five. Okay, get them both pet insurance. I'm going to... But there's going to be a dog when my boyfriend moves back in, too.

Starting point is 01:27:26 Age health? She was born January. He's a year and some months. Health? Unfortunately, very good. Good. Okay, you don't like it? I don't want, I didn't want a dog.

Starting point is 01:27:36 I didn't want a dog. Why, they actually do things and have personalities. He's definitely got personality. Okay. How much for pet food on a monthly basis? Probably like 60. If you put both of them together, 60. Cat and dog, 60.

Starting point is 01:27:52 Anything else that needs to be in your budget that I have not taken an account. Let me think. I mean, it's not like monthly. It's probably more like every three months. I do like to make big purchases on the Chinese gray market. No, you don't. That's gone. That's canceled.

Starting point is 01:28:08 That's like a, but it's like. Don't give a, you're prioritizing life. Listen, you don't have much of Ligar room. I just, no, you don't. Shut the fuck up. Shut the fuck up. $1,96,0.26.

Starting point is 01:28:19 That's how much you need to survive. You are lucky you have a lago room. And it's all because other people enable you. 300 or, you have $200. $233.74 left. Student loans, I'm going to take that out of account for not. What? But that's only making the minimum

Starting point is 01:28:35 monthly payments, right? Yes. I don't do that. I make more. Shut the fuck up. We're budgeting. Okay. Your minimum required. And then we're deciding where the rest of your money go. What the fuck are you?

Starting point is 01:28:45 92,386. By choice. And it's not cute. Let's get rid of the student loans for now. We'll figure that out once you have to start making payments. And then I would just do a traditional payment plan or income driven. if that still exists by that point. 23,600.

Starting point is 01:29:02 23. What? No, we're minusing the baby daddy dead, I guess, right? No, no, that's not real. Yeah. Okay, so $8,618, $0.54 cents of bad debt. Divided by your extra. That's it.

Starting point is 01:29:17 233. That's it. You have no respect to the dollar because if you've just been enabled your entire life and then we've paid for you. What a joke you are. Oh, I'm disgusted. Takes three years to pay off your debt.

Starting point is 01:29:27 Good fucking luck. I'm disgusted. ending it. That's not bad. I'm just going to ending it. It's not bad. It's not bad. How is it not bad? That three years is not bad. Like that's really doable. Three years if you buzzered off and nothing, which is what I gave you.

Starting point is 01:29:41 But I'm going to have another human in the house with me. I'm going to have my boyfriend with me and that's going to be helpful. Yeah, until not again. That's not getting up. Yeah, it's only happened historically throughout your entire life. What the fuck you're talking about? You're not cute. You're not funny.

Starting point is 01:29:57 You're disgusting. and you have a child as you need to take care of. You're a mother. I take great care of him. No, you don't. I do. No.

Starting point is 01:30:07 He exists because of your baby daddy. And his parents have means. You're a joke. You go to jail. You get DUIs. You smear poop. You get people fired. You do revenge.

Starting point is 01:30:17 You just go on vacations. You don't work. You suck the tin of the taxpayer on multiple fronts. You are a joke. You are a joke. And I'm not going to let you think you're a good person. I'm not going to let you think that you are. or funny. I'm going to tell you how it is, even if it is mean, even if it is brutal,

Starting point is 01:30:32 because I cannot have you walking around thinking you are something more than you are. You need to change this. You need to change your behavior. You need to change your life because it's embarrassing and it sucks for the rest of the people around you. Join Hammer Elite description below. Best YouTube membership on the platform and it's the second largest by subscribers and stuff. So thank you for that. We appreciate it. And that's for a reason because we have lots of extra dedicated shows on a lot of things. And it really helps support the channel. Thank you so much. Make sure you join that. I'm going to do the Hammer Financial Score,

Starting point is 01:31:00 spending your budget, so zero out of ten. Debt. As bad as, I'm surprised you don't have collections. I'm going to give you a two out of ten. I don't know how the time share didn't go in collections. That just kind of went,

Starting point is 01:31:13 I think it's some weird, like, real estate, like, loophole thing. What? The timeshare. You just stopped paying? Because I stopped paying on my half altogether. He paid his half off. Eventually. They did send a few, like, like, um.

Starting point is 01:31:28 I have. hope it's in collections. I hate time shares, but you deserve it. I look all the time. Emergency fund, nothing zero out of ten. Retirement, you're behind by... A few years. What was in it? It was like 30? Yeah. Yeah, 30. No, no, no, no, no, no. You know about a three out of ten there. Real estate zero out of ten. Time share don't count. No, no, no, no. Hammer financial score, one out of ten.

Starting point is 01:31:58 It went up. Shut the fuck up. Join us in the post show. I'm going to somehow survive that. Extra 20 minutes of the show. Oh, shit. Oh, shit. What?

Starting point is 01:32:08 I have all the screenshots. Yes, you do. Am I allowed to? Yeah. Oh. This is a good drama. He says, oh, flog in mind things.

Starting point is 01:32:16 One of the hottest things I've ever seen. He was drunk. He was ready. You can call him and confront him. You were totally going to believe her name, weren't you? No. Hell no.

Starting point is 01:32:27 What are you talking about? Buddy, you proposed to meet up with her. her. Oh, her face is in this one. It's this image, ladies and gentlemen. Exclusive members' content, click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the sun. Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute.

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Financial Audit - The Most Bat-Sh*t Insane Woman In Financial Audit History

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