Financial Audit - The Most Racist Woman On Financial Audit

Episode Date: November 14, 2025

Whooaaaa, she breaks the f*ck down in the post show... like full breakdown... this is wild. Watch here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #ad @hicapitalize ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 I'VE MOVED MY INVESTMENTS TO WEBULL! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 04:51 excuse me? 17:55 Catholicism. 30:06 has the show peaked? lol 44:54 WHAT is happening 58:35 lol 01:14:00 *turns on xbox to drown out the arguing* ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= *Connect with me!* ============================= TikTok: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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Now, if you're acting like a hard R, I don't care what race you are, you're acting like a hard R. Your black husband is in prison. Of course. This has to make sense, dude. Don't act like it doesn't. I live in the ghetto, and I hate all the Mexicans that work on my car there. Who, who said it, not me.

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Hey, my name is Stephanie. I'm 41 years old. I'm from San Antonio, Texas, and this is Financial Audit. Yes, it is. Thanks for coming up from San Antonio. I really appreciate that. Listen, a part of me is kind of excited because we never really have people over like mid-30s. You know, it's rare.

It's rare. So it's exciting to have someone closer to the middle age. Good. I'm glad. I fought really hard to get on here, actually. This is like the third time. Were you like- stabbing people?

This is the third time to apply. And if y'all weren't going to accept me, first I wrote like kind of a thing. Then I didn't write anything. Then I wrote like an essay. I was ready to give you like a book if you weren't going to let me up. Well, I don't see any of them, but I appreciate it. What do you do in San Antonio for a living? I am mainly a swim lesson teacher and swim coach.

That's a full-time gig? In the summer, well, I start in May and I'm still fucking teaching and I don't want to be. Okay. But in the height of the summer, I work 10 hours a day, outdoors, outdoor pool. Outside? Yes. Yeah, it's hot down here for people who don't know. But you're in the pool.

Okay, standing there, like waist deep. It helps. And like piss water, kind of, you know. Okay, well, you clearly hate this. Why are you doing this? I don't. I've done it for 20 years. I really enjoy it, honestly.

I work with, I know. Does not sound like it. Okay, so I've done it for 20 years. I work with people who have a lot of, like, fear. and I help them through their fears and touch on anxieties. Yeah. I get a lot of people who are super afraid, all ages. So 18 months all the way to adult.

And then the past five years, I've kind of started specializing with special needs. So nonverbal autistic, Down syndrome. We let them swim. Yes. Autistic kids actually love swimming. I wasn't talking about the TISN ones. The TISN ones are the funnest, and I get the most like, we catch vibes. probably because I'm a little autistic.

With autistic kids, that's nice. So I'm emotionally burnt out on it because you can imagine it requires a huge level of patience to be giving all your energy to someone who's super afraid and possibly like clawing and climbing up you. I mean, I like physically wrestle with some of them. The autistics and the downs, these. Yeah, the downs especially.

Okay, especially the downs we're tackling. If they're super afraid and they don't want to do something, yes, because we're doing it. Because it's saving lives, people. It's drownproofing people. So, yes. Okay. Are you even getting paid for this right now? Because it's entering fall.

Yes. I also get paid quite well. I get paid $40 a lesson, so it's like $80 an hour that I make. What? $80 an hour. How many hours a week? Well, 40 hours a week. Really?

Well, I start in May, and it's usually about... When does it end? It used to end in August. So in June and July, it's definitely 40 hours a week. But then in August and May, it was closer to like maybe 20 hours a week. And then during the rest of the year, like, I was a stay-at-home mom or I would just, like, work. Your mother? Like part-time.

Yes. I have two kids. Eight and six. Is there a father involved in this? Yes. My husband... husband. Yeah.

We've been married for 10 years. Oh, we're calling him Fox. Very good. How old is Fox? He's 38 and I'm 41. Yeah, that's right. Okay. Okay.

So what's going on? Wait, he's 37. He's 37. Sorry about that. Yeah. So what's going on? What are we talking about? So the main issue now, and which is why I was trying to get on before all of this

happened, well, we hate E-W. Legals, but my husband suggested smuggling them, and so now we've got to figure this out. Wait. No, what does that even mean? Okay. I'm assuming we're talking to illegal immigration. Yes. Okay. So, you and your husband hate them, but.

Well, okay, we're definitely like, we're definitely like, most people would consider us, like, extremist right wing. I don't know how extremely actually are. But we definitely don't well. We definitely don't agree with illegal immigration, and I'm down to, like, ship them back. And I heard something that, like, Trump is trying to pay illegals to, like, go back. I think that's a great idea. I'm not necessarily pro-Trump.

I'm just saying that I think that's a great idea. Is Trump too far to the left? I think he's an independent. I don't consider him a Republican. I think he's an independent, and he's probably controlled by his little handlers, as all of them are. I'm more like, I don't know. I there's there's other people running the show besides him

but we don't need to get into Trump and all of that like whatever well listen no no no I mean it's interesting because you said some people call me far right but I don't know if I'd call myself far right um to me I'm more moderate but nowadays it's like moderate on what spectrum well if because we've had a lot of far left it's about time I have a far right I mean it's pretty exciting I mean my husband's half black but he's also kind of like uh I think like white people are better than black people

Huh? He says black people are better than black people? No, white people are, but he doesn't really have a racial home because he's, he's, his mom is white and his dad is black. And he was raised by his dad who's black. And the only racism he's ever experienced has been actually from black people because he's not black enough, whatever that means. Okay. Because he talks like some white gamer nerd who's read like the Warren report. So he's kind of the weirdest person you'll ever meet. Well, answer me this.

How often do you drop the hard R? The hard R? Oh, you know the hard R. Jokes or what? What is the hard R? The N-word. Oh. All the time, like on the daily.

This one. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're We judge for your ambition for citizens' backing. We judge everyone based on their character and not their color, but... I can't appreciate that. I'm not necessarily dropping hard ours, though.

Well, not, like, too, someone's face, but in the privacy of our own home, yeah. Oh, and to him. Well, yeah, but that's fine. Okay, I'm so confused by the, we hate illegal immigrants so we try to, tried to smuggle them. Yes. And that's why we're, and then we're trying to clean things up. So he's incredibly confused, too.

Basically, this was like a result of money desperation. He has been through a lot of, we can get into it if you want. We don't have to. He felt like if I can just get this big chunk of money, this is going to make up for all this stuff. Like, we need this. Like, this is going to help us set on the right foot. Like, at the time, he was just working, like, a janitor job.

at a church for like $10 an hour, and he's like, if I could just get some money, like, that's going to make up for so much and all these bad things that I've done. And so... Things that have done. Right. Well, there's been, like, substance abuse stuff and different things.

He's just had a lot of... And which half of him did that? He's had a lot of mental health issues, which he's currently working on. That's good. Yeah, I mean, he's not someone who's, like, a victim mentality. Like, no, I did this.

I f***ed up. And now this sucks because he's like, oh, because of greed, I'm going to real quick get like $4,000. And I'm just going to give these people a ride. By smuggling. Well, they didn't tell him it was that. And it was through like, I don't know. Wait, wait, this was already done?

Yeah. Wait, this was done. Yes. Oh, hold the fuck. God. Tell me. Tell me. What happened?

Because he's in prison right now. Which is why he's not here filming. Your black husband is in prison. Of course. Yeah. Black Daddy's in jail. Who knew? Yes. Yes. Which we've joked about regularly. Oh, I'm...

And because in jail, they do it... Well, it's actually a federal prison. And because they do it, like, by race, like, you have to have... Like, okay, so when you go into the prison, they... like, they ask you to be part of a car, which is, like, who you ride with? So it's like... Who does? Who asks you that? The prison?

Yeah, when you're an inmate, all... The people come up to you and they're like, hey, dude, like, what car do you want to be in? And so it's like, the blacks tried to claim him, and he was like, no, I'm not. And then the whites were like, well... He doesn't like black people. Right, which is why he was like, no, I'm not going to ride with y'all. And then, like, the whites were like, well, I mean, we're down with you because you're basically a racist, but, like, you're black, we can't take you.

And so the car he's in is called, I think it's like Solana or Solano, which is like you're independent. And apparently the child molesters have their own car, but they're in their own separated camp. And he's not in that. He is not in that. Each of the cars has their own TV at the prison that they are allowed to watch. So it's like the blacks are all in one corner watching one TV. And then the whites are over here and the Solanos have the, and I guess the child molesters have their own TV at their own camp, which is separated. And then we were joking, it's probably on Disney Channel, because it would be.

So when did this happen, Operation Over the Border? He was arrested. Okay, so this was July of 2024. So last year he was arrested on July 1st. So is during Biden's administration? Yes. Okay. I don't know how the politics of it all plays out,

but, like, basically he is like so, he's like, what kind of f*** up person am I that I'm going to? to go against my own belief system just for like some some money but I guess that's well you guys self-confessed hate illegal immigrants well hate's a strong word but I mean I'm we're very anti-elegal immigration if you want to move here great there's all kinds of legal means to do it please do that I think everyone likes the legal route yeah sure right so if you're gonna like come illegally over here and be like oh no this is so hard and they're doing all this mean stuff to me and separating me from my children.

It's like, well, you kind of broke the law. That's why is like, yeah, I'm in here and this is my own fault. Like, there's no one to feel sorry for me. Like, this is what I get because this was stupid. And now I'm here. And so that happened last year. He was in the holding tank for, it was basically for illegal immigrants for two months. He got super sick.

He actually developed Mercer. If you don't know what that is, it's like advanced staff infection. Then they were like, well, if he needs medical help, like you're going to have to bail him out. And so he didn't want to be bailed out. He just wanted to sit there and, like, serve the time. So they bailed him out. I bailed him out for $1,200.

She said, okay. I bailed him out for $1,200. And then I had to rush him to emergency services in San Antonio. And then he had emergency surgery. That lasted for however long. He got better. He started working. And now he, the sentencing happened in May of this year,

and now he went to jail in August. For how long is he in jail? He's going to be in there probably until the summer. The sentence is 18 months, but it's probably going to be closer to 10 months. Okay, that's not. Sorry, that was long. Oddly, not that crazy for enforcing smuggling. Well, it's, the charge, I think, is conspiracy, technically.

Yeah, I feel like that should be punished a little heavier. He didn't cross any borders. So they were already in Texas and they were going from one Texas city to another Texas city, which I think is one. So he internally smuggled? Yes. But no, no, no.

The reason I asked that original question, before we went down that and you started explaining your beliefs a little more, I'm saying, you hate illegal immigrants self-confessed, yet he got arrested for smuggling them internally. Yeah, he went against what? This makes no sense, and I'm confused,

and now we're because of that? Yep, yep, yep. That doesn't make sense. sense. You know that's like the most pro-life person offering abortions in their back room. Yeah, well. Like that doesn't make any sense.

I told him not to do it. By the way, this wasn't a secret. Like, he told me and I was like, do not do this. Why are we doing this? Your husband? You told him not to. And then he did. Yes.

Yes. See, he's like, we just need this money. I'm like, but we don't. It's not that bad. And then he did it anyway. Okay. Okay, is his money-making opportunities, and I would suggest yes. F-f-da-this?

What is he? What does he have? Felony? I told him if this didn't work out that I get the biggest I told you so of my life. And he's like, deal. That doesn't pay the bills. I got the biggest I told you so of my life. Also doesn't pay the bills. You're 100% correct.

He has a permanent felony on his record. It can't be expunged as far as I know. I've looked into it. He's looked into it. He has a federal felony for the rest of his life now. He was smuggling people. I mean, this will. Hey, I don't want any sympathy, and neither does he.

I want solutions to how to fix this. Well, one half of the household not working, one, definitely not bringing in money right now, other than pennies for maybe any kind of labor. Which is why I was trying to get in before he went in so we could try to make a plan, but that didn't happen. I don't know how we missed you. Right.

That's a flaw in the casting system. and I'll tell you that. They told me there was some issues because I got ghosted. I was like going through the process and then I got ghosted and I was very sad. But I'm here now, so. So what was he making?

You said like $10 an hour? No. Well, okay, so he's an electrician's apprentice. So when he has solid work, which he pretty much has for the past five years. Now with the felony? Before that, he's made anywhere from 21 to 24 an hour. Okay.

benefit. And, well, with benefits, now that's going to be interesting to see where he lands after all this is done. He can still get hours through the Texas trade licensing. I don't think the felony will affect it, but it just depends on what company you're working for. He still hasn't finished his apprenticeship hours. So you need 7,000 hours to take the journeyman's license, and he has $5,500.

How are you going to pay your bills now that swimming season is coming to a close? Well, that's why I've been doing swimming lessons in October. It's coming to a close, isn't it? Yes. Okay, here's my issue. You can do some indoor YMCA? Yeah, I have another pool that I work out of that I can do indoor lessons, but I'm so burnt out from wrestling spurgs that, like, I need a break, dude.

I could, like, I could cry thinking about it. I'm so drained from all of this. I've been doing this for way too long. Okay. Yeah. But it's like, okay, well, we've got to pay bills, so, like, do what you got to do. And so that's why I'm still at the pool doing it. Now, when November comes, I am going to take a break and I have like some organizing gigs like through different people because that's kind of what I usually do during the year is like part time.

No. Little inwards? No. Just want to make sure. That would be a bit much. Huh? That'd be a bit much. That would be a bit much.

Okay. Okay. So what would you want to do if not tackling down syndrome kids? Do you like help Once you know someone's an illegal immigrant Like like a... How would you know that? No, no, once you know someone's like a dreamer

Do you like just let them drown? No one is going to tell me Hi, I'm here to swim and I'm a dreamer. But if you found out. No, I mean, no. No. I'm Catholic. We're not allowed to do that.

Even if you want to, you're not allowed to do that. Okay, even if you want to. Okay. Hey, that's being for real. Yeah? No, I appreciate it. I mean, I have a direct quote from your application. Oh, boy.

Here we go. I actually, I lost it. It was there for a second. But it was like, every single person on your show is a liberal, and I want you to finally have a normal guest. Yes. You're not that guy, pal. Trust me.

You're not that guy. Yeah. Yes. I watch a lot. I've seen a lot of episodes. I've even gone to like the first, like, some of the first, like, ones, which is kind of neat. You're a little bit younger.

and it's fun. So are you going to stay with this guy? Yeah, 100%. Okay. Yeah. Okay. I know this sounds like, oh, well, he's blanked down in prison, but it's like he's actually, well, right.

I'm not saying that. I'm seeing a lower income, committed felony. He is a great, he's a great dad. He was a great provider. He is 100% dedicated to me and the kids. How did he find this job? Through some terrible app. I forget about that.

Through WhatsApp? Through WhatsApp? There's a chain. He found a chain and WhatsApp. Sorry, I'm like slightly boomer. I don't know. The app called whatever. It's okay.

Yes, that is how he got it. So what are you bringing in on average on a monthly basis? What can I put down as your income, especially now I just headed into the colder season? This is what's insane. So it was at like $1,500 per week. And now I don't. even know what I'm going to, I have no idea what I'm going to make. Like I have four jobs where I'm going to be making like probably $20 an hour and I'll probably get like at least maybe 40 hours

from it. But I'm like flying by the seat of my pants because, you know, that's another thing. It's like I've already tried to apply at a bakery I used to work at and they were like, no, I'm like, I have all this experience. Like why? And I think I have a pretty good resume. When'd you work there? In 2006. It's been a while. And did you call some of the unword when they tried to hand you change? No.

I'm actually a great cashier because I love shooting the shit for people. And I'm very friendly. Or shooting some of the sketchier ones when they come in. I treat everyone equally as I see them. As you see them. Okay. Now how you see them, that's a question. Okay.

So we don't even know what to put for your income right now. No? Because you bring an income, we just don't know. I also try to go to, because I will make it happen because I've been like this my whole life and I will make it happen. It's not like, oh, I can't find a job, so whatever. Like, no, I will find something. Do you have a degree? I have 108 credit hours and no degree. Okay, credit hours from when?

From between the years of 2002 to 2014. Okay, well, they're all over 10 years old. they're not going to be used. Which is where I, before I came last week, I tried to look into this to see if, okay, is there a few classes I could take to try to get an associate's to try to, like, I don't know, at least have that. And I actually was going to do the course careers, like, I'll get you one for free, yeah. Well, I was going to do it without you. And then I was like, oh my God, it's $500. Like, what if this doesn't work, then I've just like wasted $500. But, yeah. I, yeah. Well, it's not a waste is continued education. I just don't want to make,

I don't want to make another bad decision. Like, I want to make sure that whatever I'm, like, moving forward is actually going to, like, pay off because if I go to a school and want to study, like, lesbian dance, like, that's amazing. But, babe, you're not going to. I think I do look like a lesbian. I really hate my hair right now. Yeah. I had to cut it off because of all the chlorine. Oh, that's not good.

I know. Okay. You can call me a lesbian all you want. It's fine. Thank you. Look, private student loans can. make you feel like you're one misspayment away from selling your grandma's hairlums. We miss your grandma.

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But I stayed focused. No, dude. No, I was like taking bong rips and like partying until I was like 30. And then it's like, oh, well, now... It's interesting. You look like HOA lesbian, head of HOA, but you just partied, smoked,

dropped out, didn't take school seriously. So you seem like the furthest left person ever. But then you have positions from the right as well. You are hard to place into a... You can't. I'm all over the place. I'm an ex-hippy.

I used to have like dreads and hairy armpits. I've been to like 10 rainbow gatherings. Like I was the most left-leaning person you probably ever meet. Well, changed. 2016 came and everyone was like, if you don't hate Trump, you're like the devil. And I'm like, I don't care about Trump.

He's probably like, who cares? A lot of people care about politics. I don't even know what his policies are. So I'm not just gonna blind. I'm not gonna, but all the people who are telling me this are blind hate. Blind hate stupid.

And I wouldn't buy into the blind hate. And so it's like, oh my gosh. And they like started slowly like separating. Well, there's other. It was just like, hey, we're married and we have a kid. Oh, you can't come to the bar? No, dude. We have a newborn.

Like, what do you mean? I can't go to the bar and like, oh, we have a house show. this weekend. Great, we won't be there. Like, we're adults now. And so then, like, Black Lives Matter started happening, and everything was going off the rails.

We know you don't like those. F fuck no. Okay, okay. I'm sorry. The whole thing is bullshit. And who is black, also thinks it's bullshit. We went way too woke. I think everyone agrees on that. We've come back to a normal place. Well, so, but in the middle of when everyone

was going woke, and if you weren't, woke, you were basically like some mean, terrible, every hate word person. I wasn't buying into it. I wasn't buying into it. I was never buying into it. Okay, but it took 10 years. Five. 2020. It was happening before 2020.

No, well, yeah, sure, but like the ultra just like kill someone if they don't fully believe with you, like 2020. I watched it happening. Right. And so the whole time I've been like, no. And then of course, COVID and it's like all the people I was friends with were like punk, with like spikes on their jacket and all of that anti-establishment, blah, blah, blah, blah, blah.

And then it's like the government- Who do you watch? What do you mean who do I watch? Are you an Alex Jones girlie, Nick Flentes? Oh, Alex Jones. You used to be Dean Withers. Alex Jones is like Uncle Alex Jones. We all love him.

We've known him forever. You can only take half of what he says. I mean, you know. Like you started his son, went more destiny. Oh, Destiny God, no. Then you got to Charlie. Please don't insult me. You know, I'm not your trajectory.

Your trajectory. And now you've gone. Charlie's like... Nick Fuentes. Well, you know. You did the full spectrum. Nick Fuentes... You're stuck with me in the...

Oh, it's better here. Nick Fuentes guy. But part of his... I don't think Nick Fuentes would be a fan of Fox. Actually, I don't really know. Woody? No, he's not. He hates all of it, basically.

Okay. Because I really don't know who they about him. Which is more where... I have always stood. But anyways, you have all these people who are like, fuck the man. And then it's like, the man is telling you to do X, Y, Z. And they're like, oh, okay.

It's like, I thought you guys were like anti-politics and anti-the-man. I don't know what you're talking about. The COVID and the punks, like, just doing whatever the government said. It just seemed very hypocritical. Well, it got very politicized. Well, right. But doing, but they took the side of the, like, basically the people who are pro-government. Which never made sense.

So anyways, it was this huge falling out. I don't even remember where we are in the conversation. I don't know. I'm trying to loop this back to money, but also you're very, watching you go down rabbit holds is very enjoyable. Oh, good. So, I think you should just start your own show.

Maybe that's my new career. However, I'm not delusional thinking, like, I'm going to be a YouTuber, and next year I'll have like $70,000. It's like, okay. I don't even know what to say your income is. We still don't know. Like, we...

I have a note that you heavily rely on your mother. Isn't that kind of what you've like... If you've gone far to the right, isn't that kind of anti... Far to the right? Yes. We don't like it. And I don't like it. We would like to grow to be completely independent.

You're in your 40s. Like, what the fuck is taking so long? Well, you know... Don't. Pot is not a good idea, actually. I'll try. Do not. What do you mean?

Are you still blazing it up in the same? No. Well, I've only been sober for probably two or three years, to be honest. Yeah. So. Listen, more negative studies have come out against it these past few years, but not to the extent you're making it sound like, it's not like that. It's fine if you want to like be a responsible person and like smoke a join on the weekend

and have a nice time. But like if you're like 15 and you're smoking every day and then you've got to, going to college and think you're going to be successful and you're just going to, like, smoke a pound a week and do whatever. And by the way, the weed now is nuts. You might as well be tripping acid. It's not like... THD has massively gone on.

It's crazy. So the feed now is like, I don't even know. So thinking you're going to be a functioning human being because I have to smoke for my depression like five times a day. Like, this is not going to happen, people. Okay. I would love to be able to put down an income number. What do I say?

3,000 a month? No, I would say closer to 1,500. Yeah, unless I can cry. How can you survive off of that with two children? Credit cards is going to get me to February, and then we're going to get the tax return, which will get me to May when I can start. And also in February,

I can start group lessons again at the indoor pool, and that's going to get me a little bit of income, too. And I'm willing to find another job. I tried to apply it to Kovah. I thought this was going to be great. Cove? Tocova? It's the boot store.

Oh, Takova. Toccova. Toccova. They've been a sponsor. Come back. Oh, I saw that. I saw that one when you sponsored. I thought, ooh.

Yeah, we love Toccova. I love them too, and my friend works there, and she's a manager, and I thought it was an inn. No, because I'm sorry, we just went with someone who had experience. I'm like, I will work harder than three Gen Zs that you hire. If you give me the job and they're like, sorry. Right, but can you bend over? That's funny. I'm a little stiff, but yeah, I do.

I've done personal organizing. I've, for like businesses and stuff. Yeah, you organize people by race as you're walking down the street to see if you're going to cross or not. For your safety, maybe you should. Dude, if I see some shady black dude on the other side of the street, I'm not going to run his way. I'm not.

Especially if you're in Chicago. We were talking about that earlier, kind of. Who? Well, we were just talking about Chicago. Who? I wasn't here. No, you weren't. You're getting a cup of coffee that took like 40 minutes to make.

I know, it was annoying. Okay, that was crazy. Did you buy that coffee? You're okay. Yes, I did, because everyone drank the coffee here. I made my coffee at home this morning. So you need to give me branding points. I've never been so lost in a conversation.

Okay, I'll say $1,500. And then in the peak of the summer, what's your monthly? I can arrange it 6,000 Okay 30 minutes to get that To get the income Wow

You've been a super before That was only for a month And that was when I was like 19 Oh yeah I don't know I can get back into that Actually I mean there's going to be some people This is going to be a very selective Group of clubs and people

Dude there First of all I didn't make any money Because I'm not a scammer You got to be a scammer To be making money at that And second of all, I was just, I was going to... How do you see me? I'm awkward.

I'm not like a graceful, pretty... You don't seem awkward. You seem very confident in everything. I'm like a giraffe trying to run physically, is what I'm talking about. Okay. Now, listen, I was about to ask for your living situation because I want to know how you're paying rent in here, but I just also looked at a direct quote

because I guess you just had so many to Colton that he's just feeding them all to me that I live in the ghetto and I hate all the Mexicans that work. on my car there. Good night. Okay. You said it, not me.

I don't know. Those Mexicans do not work on my car. And there are, it's a, it's a Hispanic. You're in San Antonio. Right, it's a Hispanic neighborhood. That's fine. It's a Hispanic city. Right.

That's fine. Fine with it. But there are levels of Mexican. Please take us down those levels. There's tons of like Hispanic families that are just like nice Hispanic families. They've been there forever. It's whatever.

It's fine. It's everyone's different culture, right? Just like how white people, like, I'm German. So I have, like, a culture that goes along with that. I'm sure you are. Now there's, like, the car shop that's next door to us that's, like, definitely half illegals where they sell drugs out of there. They have people living out of there.

They have grown men going behind the building and taking a piss in front of my living room window where my kids can see. That is... Okay, pause. I'll be right back. A few moments later. File in and line up behind me, lads. With me, are all

my favorite. Nice, Hispanic, American people. Yep, get them all in. Get them all in. I've been a minority in San Antonio for my entire life. I'm very sorry to hear that. I would like you rank from

the worst Mexican to the best Mexican. You could ask a few questions. Feel free. and then you can rank from your least favorite to your favorite. Want to know a dirty little secret? And no, I'm not starting an only... You're not broke because you suck with money. You just can't see where it's going.

If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollar-wise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today,

you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. Just personal? No, you type of Mexican. Feel free to ask some questions.

Okay, from all of you, I wanna know, are your parents still married? Raise your hands if yes. Oh, two of them now, oh. What does deceased mean? Oh, I'm sorry. I can build. Yes.

Yes. So only one of y'all is divorced. Okay, boom, he's loser. So, okay. Bad Mexican. Down there? Down here? Down here?

Very good. Keep going on. Okay. Now, of the ones left, do y'all all speak Spanish? Raise your hand if you speak Spanish fluently? No, I'm one of the good ones. No, that means you're a bad one.

You're bad on your culture. You don't speak both. Is he in front of or better than Christian? No, no. You're the worst because they're divorced. Then they're divorced. This is my weird criteria. Y'all don't.

How can you not speak Spanors? That's bad. Ask another question? Well. I thought you were going to be a fan of that if we're being honest. Okay. Oh, wait, wait. Who can change a tire?

Can you change a tire? Bad Mexican. You can't? You didn't even drive. He doesn't have a license. What were your grades in high school? What were your grades in high school? Great.

Okay. What's your job? I'm an editor. What's your job? I'm his boss. Well, you get to be above him, I guess. And so you'd just be the best. He cheated on his girlfriend.

I did not. But that was high school. Well, let that slide. But it was for his wife. Oh, you're married? Yeah. Yeah, he's the best one. But he's reproducing.

He's the best one. You want them reproducing. Yeah. If you're a nice... Yes, legal. See, he gets it. Yes, legal. Look at him.

Look how nice he looks. Oh, thank you. What do you mean by that? He's clean-shaven, love the black, San Antonio Black, got to represent. And then before they leave,

who's the scariest? Just by looks? You're making me do that? You don't have to do anything you don't want to do. I was going down your path. No, I'm not doing that. Okay.

Okay. Thank you. Thank you. Grazie. Grasias. I love you. Gracias. Gracias.

Adios, Grazzias. Okay, so this house that you live in with all the scary Mexicans around you? Yeah, scary Mexicans being... How are you affording this house? Okay. In our neighborhood, we hear gunshots

like at least once every two months. But still, how are you affording the rent? Okay. It is my parents' property that they actually bought for me because they got tired of paying the rent on my apartments. and they got it for super cheap. It was $60,000 house in 2006.

And it had a brand new roof, brand new windows leveled. What the fuck are you doing? They bought it back then because they were afraid of pain. They hated paying for your rent. My stepdad thought it would be a good investment. And then he was like, by the way, if you can't do her life,

which happens all the time, she could live there. And my mom's like, no, okay, fine. This doesn't make any sense. So the house is paid off, so I live there. Stereotypically, this is not a one-size-fits-all, but stereotypically, personal responsibility tends to lean more right than it does left. Obviously, there's people on left that I believe in it.

There's people on the right that don't whatever. Okay, but even still, stereotypically, that is where it typically lands. If you're all the way over here on my right, this makes no sense. Your parents find a house because they're, I'm sick of being. This was way a long time ago. This was in 2006 or seven, and now we're in 2025. So I've got to, I'm trying to catch up. I'm trying to catch myself up to where I want to be.

But you're getting a handout. I know. A handout. It's in, well, I was in jail and I can't pay rent. But even before he was in jail, we were kind of not paying rent because he was like, I don't know, he had mental health stuff. So what are you supposed to pay to your parents? It's supposed to be 800 a month. I don't know how you do that on 15.

I don't. We're keeping food and utilities. Okay. And they're okay with it? Yeah, because the house is paid off. There's no mortgage. But still, they're okay with? Yes, but it's like, I'm not okay with it.

I'm not okay with it. Okay. Now, you say you're applying a lot of jobs, but I have. Not really, to be real with you. I applied. I, okay, well, I'm obviously like a person who's willing to work and I'm like enough put together and I've had enough jobs where it's like, bro, I need something that's like decent. Like I need to make probably at least 15 an hour, which I think is reasonable. And I don't know.

I need, I have skills. I have skills. Why'd you try to be a stripper? Why'd you choose that one? That's not a skill building thing. That was such a long time ago. But why'd you choose it? Well, because my friends, boyfriends, sis...

I'm told it's because of a kink you have. No, no. Colton says it's because... Someone I was staying with was friends with a stripper, and she's like, you could come to work with me. It'd be so easy. And I was like, I don't know. I have, like, hairy armpits. And she's like, no, guys, go for that.

And so I was like the little dreddy girl with like armpit hair It didn't work out obviously Good, it didn't work out Colton wanted me to ask about your kink Because this is after all a finance shop No, that was a misunderstanding And I do not have a kink Don't

I was so truthful on the phone, don't even I think what I'm saying is that it's He was saying that men there would have the king So I went yes That's what I was told And so then I tried to go to it the strip club owner said that you were too nasty. Basically, yeah.

Do you have a picture of you back then that we could put on screen? Can I see it? I don't have it, but like... Really? Like anywhere? You don't have a picture or saved on your phone? No, no, I do, but like, can I like email it? I'll email it to you today. Of course. I'll send it. You'll be like, what the... Yeah, let's see it. We'll put it on screen.

Cute little dreddy girl, flowers and beads in my hair and yeah. Anyway. Sure. Skinnier. What does this make sense? You also moved to Mexico. when you're younger. This is such a...

I keep wanting to get into the finances, but this is insane. And you hate them? And it's just like, but you live there? I'm so confused. I only hate the dirty ones. And what percentage is that?

Well, I mean, I don't know, honestly. Okay. It's not the majority. It's definitely the minority. No, we went to Mexico. Obviously, I don't hate Mexicans. By the way, I love Mexican food.

By the way, I am friends with Mexicans. By the way, my ex was a Mexican. You just pulled the I have a Mexican friends. Well, I hate black people, but my husband's black. I'm just kidding. I really don't. Please, oh my gosh. I'm not racist.

I go to Taco Tuesday. Oh, my gosh. I don't hate Mexicans. If one of my clients sees this. I like Koso. Oh, my gosh. We're the Hartford, with decades of experience insuring millions of unique small businesses

when it comes to your small business insurance. Thank you. One size, absolutely, does. not fit all. Get a quote or find an agent today at thehartford.com slash small business. I don't. Your clients have downs. I don't. I don't. I don't hate black people. I do not. Not all of us have to say that in our daily lives. What's your finance score? Zero to ten. Two. Okay. If you want your Hammer financial score, go to Calebhammer.com, see where you're staying in the world of finances, where you need to improve, and where you're already doing well in what you need to do to fix it.

And what's your racist score, zero to ten? Zero being not race at all, 10 being hyper-racist. 10 is like you want the racist to be segregated again and living in separate towns. Executed. Yeah. Oh, so nine or eight would be below that.

Oh, I'm only like three, maybe. If you want your racist score, go to Calebhammer.com forward slash racist, see where you stand in the world of racism. If you're not racist enough or you're a little too racist, find out. I took the lesbian test. I'm like 36% lesbian from your website.

I know. Yeah. Yeah, moving to Mexico. Yeah, our friends went down there. So we lived in Chiapas, which is like the southernmost point in Mexico like right before Guatemala. Okay.

I can't hate him that much. I live there. Let me get into these numbers for fuck sake. You got two children. Yes. And they are very well behaved. I know some of the people, well, I know some of the people on this.

show are like, I can't tell my kids and I buy that. No. I'm like, baby, we don't have money for that right now because mommy. I'm into my, okay. Well, I'm glad. Well, okay. Do you say it like that? No, nicer and more child appropriate.

What do you consider child appropriate? Now, remember, I work with kids, so I know child appropriate. Are you a gentle parenting person or a... God no. Okay. God no. Like, basically, now here's something good black, people, they will get on their kids.

The crazy black people? Like at, you will see... Like where? Like at Walmart, you will see kids going up and down the aisles and the parents like, whatever, whatever. And Fox is like mortified. And I am too, because like control your freaking kids, dude. Well, I'm sorry, you go to the white side of town.

You do not see that. You see them screaming in the car. It's begging for toys. But you don't see them running up and down the aisle. Well, I have... You'll be very happy to know. Food stamps are currently on hold due to the government shutdown. So if you go to Walmart, I think you'll be happy.

And who do you see on TikTok and all of that? Who are like, they're taking my food stamps and guess what? I'm going to go in there and I'm going to steal from the store bubble. I don't know. I don't know. I'm not looking. I don't know. There's a larger percentage of people who are acting.

that way and a smaller percentage of people who are still acting that way. You can be a hard R dependent upon your race. Not dependent upon your race. Yeah, there's like white people who are like acting like hard R.

That's a very Nick Fuentes concept, by the way. It's true, dude. I never heard of anyone say this. Seriously? I'm from the depths of the internet. At 41? Yeah. Yeah, I mean, I hope I still am, I guess.

But I guess I don't go that deep. I mean, I filmed with someone yesterday who was racist to, or she hated, quote, Arabians. How do you feel about the Arabians was her words? Well, in those countries, they have higher percentages of rape. And all of the countries that have allowed in those immigrations, all of a sudden they're like rapes and stabbing statistics are like skyrocketing.

That's just, that's fact. That's not my opinion. That's just numbers. So, anyone who says that, like, the, we should love Islam and the middle, have you been to the Middle East?

Women don't dry. I mean, I haven't either, but it's like, women don't drive. Women aren't allowed to read there. That's okay. I don't know if I, I don't.

That's okay? No. No, obviously, they have not caught up to the 21st century. There's so many people who were like, love Islam and welcome them in and everything. It's like, once again,

If you're going to go through the legal system, it's part of the law. Anyone is allowed to be here. But in these countries where they've just opened the floodgates for anyone to come, it hasn't gone good for them. So I'm not racist towards anyone. Now, if you're acting like a hard R, I don't care what race you are, you're acting like a hard R. This has to make sense, dude.

Don't act like it doesn't. Hi, I listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weble. Do the same and transfer to my investing app of choice, and you get cash bonuses of $200 all the way up to $30,000,

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good in your area, switch the helium and get a literal $0.00. month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the assessment at calophammer.com. You will not regret any of these change your life today. There is a nuanced position here where like the year of many countries in the European Union and the UK have done uncontrolled migration, putting them in council states.

And it's been very hard and there's not a lot of assimilation. That is very true. but this country does at least pretty well on assimilation. I agree they do. I agree they do. No, the UK... Oh, well, some people still want to move there. Not me.

Well, it's because it's still better than a lot of regions. Oh, I'm very... I'm very... It's very... It's very... It's very comfy in Texas with my Mexicans. I'll take it any day. It's not the hard ours.

Gotcha, bitch. Well... Okay. USAA. What's going on with this USA? Card? Okay. That one was actually started as a credit transfer,

a balanced transfer from Chase. Maybe last year. Because I had racked up the chase. Okay, this all began because of Fox and, like, job stuff and mental health stuff. And so he's... Uh-huh.

That's another thing we need. help on... Dude, you just got on food stamps a couple years ago and you're talking about people who are on food stamps? Because people are like, I'm on food stamps. I'm like, dude, don't let anyone know what a fucking embarrassment. What an embarrassment that I am on it.

Okay, I can kind of... I wouldn't necessarily take it as an embarrassment of being on social... Okay, I would. Well, hold on. Being on social safety is there to help. Now, I would be embarrassed as a person if I was actively trying to not go get more hours because I would be above an income threshold

that would qualify for a benefit. I think if people are actively trying to stay in a benefit, I would be embarrassed. But if you go through a hard time and you... I know, but you get put on a system that you paid into, that inherently is not an embarrassing thing. I guess, but it's like, how long is the hard time? And I'm not going to...

It depends on the person in economic condition. Well, right. And so it's like... But don't get me wrong. I vibe with you on the fact that I've had people on this show that literally will not go get a job because then they get off benefits like food stamps. That's disgusting. That's horrible.

And obviously, we're enabling. that. But to say if you fell on a hard time and you paid into a system and got supported for them, you shouldn't be embarrassed. What's happening is like some people fall on a hard time and it's like, oh, well, you make too much. And then they, like, that's happened to someone I know. And so they can't get

assistance and they really should have it. And then there's other people where it's like, oh, they're kind of on the fence, but because they fudge their numbers a little bit, they get it. Were they too gentle, parented? Probably. Honestly, I'll be honest, as someone who's not a parent and, you know, it won't be for a little bit, I specifically

don't even know what that literally entails on a literal level, but I hear that you hate gentle parenting, so... I do, I do. It means that you create a little narcissist. It's like, oh, you're upset. Tell me about that. Okay, every... Yes, okay.

I'm sorry. I have to go. I have to go because the four-year-old is pulling me away. That's what that means. Ah, you just... All right? Excuse me, you're not the adult, and I'm speaking to an adult right now.

you need to wait patiently. Okay. Okay. I go by with that. What's the normal minimum fee payment on this? Normal payment is like one... I don't even know because... Purchase 216 on it.

$1.50. I don't know because... Yeah, let's call it $150. Because I've been paying off so much. So this summer... Kind of. Kind of. But you're still purchasing...

No, you're still purchasing on this, though. So it's not going... Pest control. Huh? Pest control. Oh, let's see. Yeah, look. It'll be on here.

Yeah, I mean, that's a lot of pest control. Well, they come every three weeks for the mosquito. And we have roaches. Okay, well, I was this three times in one week then. A couple weeks. Was it charged all those times? Yeah, 53, 108, 54?

That's a problem. Yeah. I'll be calling them as soon as I am done filming because I'm not okay with that. Also, I think you've had a late fee this year, I believe. Yeah, probably. When? Why? Don't know, don't know. Okay.

It don't know. How do we prevent that in the future? Well, I have it in my phone, the bills, and all of the dates that they're due, and I make sure. But because, and I was keeping up with that, but then because in the summer, I was paying everything. Anytime I had any extra money, like, I'd put a thousand. I'd put a thousand. So there was no minimum monthly pay. Well, what are we doing going into this where you have just nothing? Well, now it's just now starting because, like, even last week I paid like 500 off on one of the cards with, like, all the money that I'm still getting.

Yeah, but if automatic hundreds and hundreds of dollars of bills are going on, and it, it's just now. that offsets it anyway. I'm just saying there might have been a late fee this month because I'm used to there not being a minimum monthly payment for the past like four or five months. Yeah, well, the deferred, it's not deferred interest, but your promotional balance for the transfer, that ends in about three months.

I know, which is why I'm trying to quickly pay off the Chase card because that's where you have a higher interest. So USAA is kind of like on hold because it's the lowest interest rate and one of the lower payment. I don't even think it's $150. I think it's like under $80. No, yeah, the interest is relatively low because...

For now. Well, yeah, exactly, because the balance subject to the interest rate is low. But you have had a late fee this year, which was immediately doubling kind of what was added to this. But Wynn was late. You can't see that on this kind of statement. But it was this year so far, I do know that. I believe it. I believe it. It's a little concerning.

If you're going and shopping for groceries, Walmart is one of the cheaper places to go. And if that's the place you hate going to and you're afraid to go, isn't that bad? It's kind of gross there. I only go if I have to really, I go to A-D-B. Dude, no, why not H-EB? Are you kidding me?

Hill Country Fair? Come on. H-B is nice, but isn't Walmart brand still the cheapest brand? Not necessarily, I don't think so. No? I think it's comparable to Hill Country Fair. Okay, yeah, H-EB is pretty good.

If we can do H-EB, we can do H-EB. You could not talk me out of H-EB. No, I wouldn't. We do our 300-person in that, you know, scales grocery budget, meal plan. Based on H-EB. Okay, okay. Well, then there you have it. No, don't try to talk me into Walmart.

Gross. Well, I don't... Okay, what's wrong with what? Dude, you know some of them are a little gross. Gross? I mean, I'll be honest. I go to H-E-B because one, it's closer, and two, it's just like I prefer H-B. So I don't...

So I don't go to Walmart, but... Okay, so I live on the side of town where if you walk into, like, a Fiesta Mart, because I have shop there before because they have great meat prices, you're going to get looks. Like, why the fuck are you in here, white girl? That's just how it's been. Lucy, do you ever get those looks? Fiesta Mart?

I have. Oh, she has. No, but I went in to buy, like, fajita mix one time, like, the meat, and I brought it to my friend's house, and they were like, oh, you got great good. And I was like, what do you mean? I told them we have, like, seven people here and they're,

like, that's not for, like, 20 people. Like, they thought you were done. I was dumb. Oh. So I. Okay. Okay. Same with, there's a meat market down the street from my house,

Calabra meat market number, I don't know. And I love together because they have great product and I want to support them, but they're like to me. So it's not just me. Yeah, but did you call them a slur? No. Absolutely not. And I walk in like kind of like humbly like hanged. But if you bring Fox with you.

I don't bring Fox with me. You can't tame him. What does he do in Fiesta? Mark. Nothing. He's just, he's, he's not, he says he should just be kept inside. He's not meant for society. That's his words, not mine.

What does that mean? I don't know. If you have someone who's like an avid Nick Fuentes watcher, they probably have, he is. Yeah. They probably should be like kept inside. They're like highly autistic, booner beyond, like, he's, he's a lot. We have wide variety of, I let anyone work here with any political beliefs.

I have Aaron on, you know, the, on the left, and I think Brandon's a Flentez-Watcher. Whoop? We let it. He's, I haven't felt unsafe around him. Okay, well, there you have it. To be real, I get, I get pissed off at some of the things Nick says. I think he goes too far with it. I've never seen it.

And it's just for, it seems like it's just for clickbait, but I mean, you have like, you know, 20-year-olds that are like basically sucking him off every single word he says. Nick, if you want a debater and you watch financial audit, feel free. He's a very smart person, honestly. I mean, dude, to have that much of a political following, when he was like 18 or 17,

that's freaking nuts, anyway. I honestly, I can't even speak on him. I've literally never watched him. You should just so you kind of know the hype. It's part of your internet... Well, he had a Tucker Carlson interview that's going viral. I feel like I want to watch watch that, at least for the sake of comedy. That's what I'm saying. Right? Because it is like a lot of rage be, right?

Yes. $2,973 on this Amazon card. Yeah, but that was at $8,000 in May. Okay, but now you're not going to bring in any money. Well, now it's just going to be. So what is it going to be? It's going to be, okay, so we make this. So credit card debt is here.

It's summertime. So we're going to start paying it down, balances and timescale, pays it down. Uh-oh, it's wintertime. Now it starts going up again. We're going to be in this repeated cycle of never actually being able to pay them off. No. No. Because we racked them up when cold.

We pay them down low. Because isn't always working. Okay, well now he won't be able to. Now Fox won't be able to. I mean, he'll get a job, but it's going to be like not great. His career opportunities for a while, at least will not be. He's going to be dropping the fries. No, I don't think so.

He'll stick with an electric. But we're in a tighter time market right now. I know, but he can always get job and electrical, but that's the thing. It's like fucking up his mental health because he absolutely hates it. He's shouldered through it for five years. And like, that's part of why. he's having these like mental breakdowns. And I don't want you to think like, oh, poor you.

You don't want to work. It's like, no. Like, he wants to work. He does work. He's a hard worker. You can only go so far in a job if it's like, it's one thing to be like, eh, it's not my favorite. It's another thing to be like, this is crushing me and killing me.

And I hate this more than anything makes me want to KYS like every day. Okay. And that's where he's at with it. But he'll still go back to it. Well, can you turn on Brandon's mic real quick? Brandon, as a Fuentes watcher, is Nick going to be happy or upset that a black man is watching him? He's only half black.

I don't think you'll care. Oh, okay. No, I don't think he'll get it. No. He's not a racist. But foxes. Okay, thank you. Very good.

He's made friends with this white nationalist guy in prison. Oh. But they can't accept him because, you know, he's black. Oh, no. this can't be. I'm 102% African with a 2% margin of error. That he knows.

Whoever watches Nick knows what I'm saying. Brandon. We'll talk, Brandon. We'll talk in the Post Show. We have a lot to talk about it in the Post Show because, oh my goodness. Okay, the Amazon card, 2000. Okay, yeah, we're going over the balance.

Minimums they payment $109. 13 years to pay this one off if you don't purchase. This is the chance. You only make minimums. But you are purchasing. and $80 of interest is accruing. You've had multiple late fees this year so far, almost 1,000 hours in interest.

Pull up your Amazon for me and start a screen recording if you could. Oh, boy. I think I can justify most of these purchases. Let's find out. Are we going to see a white-hitted outfit in there? We don't know. Bro. I don't know.

Just so we're clear, his dad was black, and we had a great relationship. Because that is what he's passed away. Did he know you had a great relationship? Yes. He loved me more than Fox. Maybe not. Issue.

Did you get on Wi-Fi? I'm on the Wi-Fi. It's on. This is not me. I know that there's two different, like, $45 charges. Those were comforters. Why don't you connect to 5G? I bet you like that.

I'm on 5G. Are you scared? A little bit. If you want to go into all of that, yeah, sure. I don't know. I just assumed immediately. I never looking at that kind of stuff. I don't even know what people believe.

Well, it's supposedly very bad for your health, and it's like a mind control. What's good for my health is looking at your Amazon? Well, the Wi-Fi is on and I cannot get service in your thing. I'm turning Wi-Fi off. There's nothing. Look, I'm not lying. Close and reopen. Okay.

So two of them were purchases for. for comforters for my kids, down comforters, because I knew the winter was coming and I don't want to pay to have the heat on all night because we just use like window units and like space heaters and I knew that would be like super expensive to do that and it would be cheaper to just buy like nice comforters for them. So that's one of the purchases.

Any of your kids have downs? No, they are both, they are not neurodivergent. They are neurotypical. Well, look at you being PC. I work with special needs to. children. And I really enjoy it. I enjoy that aspect of it.

Like, if it was just special needs and it was, and I'll still continue to do it, like I will. It's just, I can't do it. You're not on Wi-Fi. Because I turned it off, because it wasn't working. We'll turn it back on. So, we can say all the words,

but we throw in a little all of a sudden it's too far. Well, I'm not going to say that to them, but there are some people who are kind of, I have people who are smarter than the normal people. Wi-Fi's on and it's in there. I don't know.

Yeah, exactly. And all of a sudden, now the moment I use it, it's good and going. Good. Then you have the magic touch. Yeah, because I followed the instructions. Monster and natural deodorant. Still on that hippie sh**. That is for my child, and it contains no aluminum or chemicals.

She is starting to get stinky. It's deodorant. It's natural. deodorant. It doesn't have phalates or estrogen disruptors or whatever. Right, and she's stinky because of it. She stinks. No, now she's not because she has it. Oh,

okay. Good. We had to get that. Talek free setting powder. That was for Halloween makeup. Okay, lots more makeup stuff. Lots more three things. Oh, black face paint. Oh my goodness. We're doing blackface on Halloween tomorrow.

They're skeletons. They are both skeletons. Hmm. Customs, costumes, costumes. Speakers, but those were refunded. Lego said that was back. I never got that. I never got that. That was for her.

She wanted them. Yeah, yeah, yeah, yeah. Yep, lots of different cables, comforters, weekly planner, brackets, floating brackets, bra extenders. I did get a bra extender because I'm getting fat. Oh, well, don't do that. Need a little extra. Swim more.

Lots of blankets, as you said. Lots of sports, a leisure. That was for T-ball. Dishwash in her stuff. Yeah. Bifocal reading sunglasses. That was for my mother and she paid me for those. How old's your mom?

73. And your dad? 78. What happens when they pass away? You'll just live here rent-free? Pay the property taxes and utilities? I'm the only, I am the only benefactor. So whatever they have will come to me

and I'm actually quite nervous because I don't want to f-off everything that they've worked their entire lives. for. Well, at this rate you will be. Multivitamins, a watch, reptile, bull, uh, heat lamp and, yeah, if we can't afford to pay them bills for the kids, I don't think we have snake. Ooh, four things are in the cart. Let's see. The mythic of normal by someone. These are books that are on, these are, these are books on, like to send to in jail, but I get them from a cheaper website, but they, I just put on Amazon. No, Algris, I think Al-Lie

press. Big boys and girls union suit, thermal underwear. That was for the costume. That was from the costume, but we ended up not getting that. And yeah, more powder stuff and blackface things. No, there's not. You are so exaggerating. That's completely.

Husbands card, six to seven? What is six to seven? He has six to seven cards or? What? Oh, okay. A thousand dollars. And you have no access to it. Oh, for his, yeah.

But what's happening while he's in prison then? It's just there And I'm not paying it Okay, so it's fucking his credit Well, I'm planning on when the tax return comes I can pay off that flat It's $1,000, it would be under a year old And that would be gone

How can you pay it off if you don't even know how to get in it? I think I can From not the regular desktop But from the laptop But he has to re-give me the password information And like I don't, I think it's doable I think it's doable And it's just a whole

I mean just, but... Now, synchrony bank, care credit. What's going on with this? That is only for dentist and vet. Okay, I assume you don't have insurance for both of that. You just have a snake, right? I do have insurance, but... For the snake?

What? No pet insurance. Oh. It's just insurance for humans. Wait. Pet insurance is good. I don't know if I'd get it for a snake. Why not?

Is that all you have? Well, I don't know if it even offers it. Oh, boy. Okay, here we go. We have two chickens. My mom mainly takes care of that and pays for that. We have a snake, a fish, a dog, and three cats. Oh, for fuck's sake.

And you have no pet insurance for any of them? No. I don't know how you could afford it anyway, but I don't know how you could afford an emergency if it popped up. We can't. We would be using a credit card, which is what I want to. We have, this is not okay. It's not okay.

It hasn't been okay for the past, like, five years. I agree. Yet you've done nothing in the last five years. No, I disagree with that. Well, I'm paying off these cards. I'm paying off these cards. I swear you're in a moon cycle, though. It's like, yes, you do get higher income in the summer,

so you pay them down, not all the way, because these are obviously not paid off. As we're entering this cold season, and the cold season happens, you cannot live off of 1,500 with two kids and someone in prison that you're also trying to support. But it wasn't always. I know, not always.

And then it goes back up. And then by the time we have the high income, I think you're in a moon cycle. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Priceline is here to help you make it happen.

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This year we did not do that. This year, I paid off the debt. I paid off all of as much as I could. I was paying like at least half of my income toward the debt to get it gone. I hope that works, but now your income's dried, so I think it's going to balloon back up. No, it can't. It can't?

What do you mean it can? Is the course careers for real? Because I... Yes, of course. Why would I not give that to you? I don't know, because I feel like it's just going to... I'm going to put all this time and effort and do it, and then it's not actually going to, like, produce a result.

Oh, you mean the result of it? Yes. So it adds to your resume and skill set heavily. You have to remember, in general, right now, it is a tight labor market. Right. So that is regardless of what your education is. However, having an extra tool, like a certification through course careers, but can put you above.

But it's like, do this, and you'll be an architectural drafter, and it's like, yeah, but will. It still depends on you, your resume, your experience. I don't have experience in that. Exactly, and that's where a certification can help. But it also depends on your interview skills and how you form your resume. Okay, well, it depends on a lot of that, right? Well, that's why I'm nervous.

It's like, okay, obviously I'm going to do it. Obviously, I want to do it. I was going to pay for it out of pocket to do them. You ever leave a job and think, I'll roll over that 401K later? Because, yeah, later never comes. And that is why over $2.1 trillion dollars, and that is trillion with the T, now sits and forgotten 401k accounts. Nearly 25% of all 401k dollars are just chilling, doing nothing. And it's not slowing down. The number of lost 401 cases doubled in the last 10 years. We're at 32 million

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below and take back your money today. Okay. It's okay. Listen. I'm willing to work. I just, I need a break from being chlorinated. I'm swimming in bleach for life. That's fine. Listen, you get that for free instead of spending hundreds of dollars and, you know, with your, okay, when you get a job, set up a Chime account, set up direct deposit and then you immediately get hundreds of dollars for free. Oh, okay.

Yeah, so there you go. So instead of paying for the certification, do that with Chime, okay? I have a special link in the below, but. I have gigs set up that are, that will provide at least through November, December, January. Okay. Like, I'm, I'm confident. that I will have things there. Like I have another cleaning position at the pool.

I mean... Cleaning at the pool, okay. Yes, I will clean toilets. I will do what you do. And just saying, I can do swim lessons. Like, I have probably three special needs clients that would take twice a week. I have probably two or three littles that would take a few times a week. And I have two adults.

And I have one person who wants adaptive swimming. He has a spinal cord injury. And so I have that. So I have people that I can do the lessons and like, you know I will, but I'm like, dude, I'm so f***er out on this shit. Yeah, I mean, I'm being told you've been asking clients at slim lessons if you could clean their house. Yeah. I appreciate the hustle because you have to. The care credit's at 922.65.

That gets paid off every year on a regular basis. That is the one that I am solid with. Okay, I hope so with a $41 minimum payment. Right. But you're solid with it. and that's why there was a late fee this month. For care credit? Because I'm solid with it.

Yes, a late fee this month. And not only that, but approximately a late fee, I'm going to say six months this year. I don't know. Five to six months this year. Don't know. Okay, but this is the one that you're so confident in. Because every year I pay it down to zero.

With swim lesson money, the first thing that gets paid off. Listen, here's the thing. Every year can quickly turn into we can't. this year. Just because it's happened doesn't mean it's going to happen. I know, but I'm like, it's like, okay, I'm fully confident that at the, by next summer, we could be completely out of debt and, like, clear, possibly have a little bit of an emergency fund started.

But from there, where is it going to go? Because it's like, oh, you need to get retirement. It seems completely overwhelming to me, especially, like, even attempting to buy a house. It's like, at this point in time... Why would you... Was it even a question? Well, because in the next five years, you know, it's... you know, my daughter will be 13.

And you have a house. Two-bedroom. She can't share a room with her brother. And so it's like, do I build onto the house that I have? But you can still rent there. Definitely don't build onto the house. I don't know. But then if I'm renting, it's going to be at least $2,000 to get a three-bedroom,

like apartment or duplex or whatever. At that point, wouldn't I just rather have a mortgage payment? Depends. Depends where everything's looking. At this point, it's still, renting makes more sense usually. At this point, I feel like I'm going to be 60 and $5. That's what I feel like. Yes, you are on schedule for that.

So that's what we need to fix. The deferred interest will hit. And some in a couple months and a couple months more for the other ones. So that's pretty bad. If I can get to February without putting anything on credit cards, then the tax return will hit. We've already seen you do that on these statements. But this is like Dyer straight. Oh, Gap.

Including $634 of purchases on this Gap card. That's correct. That is for clothing for the winter. I know what it is. I know what Gap is. But that is still going against what you said. you need to not do. They needed to have clothes for the winner.

Well, you still did the thing you said you need to not do regardless. Like, you can justify anything, but in order to execute a plan you want to do, you have to. It's a $30 minimum payment. They have to have clothes. They grow out of them. I'm not saying they don't. Well, then what am I going to do? You specifically said as long as they don't put cards on payment, you know.

Yes, you're correct. And then you immediately do. So on multiple cards, we've looked at so far. And it's take two years to pay off, by the way. No, that'll be paid off by next. Okay, it will, it will, and then it doesn't, and then we are where we are today. Come on.

Care credit and gap. Look what you have done until this time. And then they're always brought back up, so that means nothing. But what's the problem with that? Well, you're losing interest and fees on care credit. But then what is the, like, good credit you're always talking about? Like, if it's not. Good credit is paying off every single month.

I do pay the minimum payment every month. Late fee this month. I've had it for like 10 years. It doesn't matter. You're not a credit card person. You've had two late fees this year so far in this one. Two on another card, six on the last one. I paid hundreds of dollars of interest.

Zero this year. It's been paid to zero. That doesn't matter if it goes back up then. And then has late fees and interest accruing. It doesn't matter. What's the fucking point of it? What are you talking about to pay it off every month? And if you can't, don't have it.

It is not a tool to your advantage. But no one can pay off like $600 a month. I do. They do. He does. He does, he does. Then let me work for y'all. You need some organizing done out there, by the way.

No. Yes, I could have this place looking like ten times better. We've given up on this place because we want to move somewhere. And I'll be your mover. Okay, yeah, well. I'm serious. I'm great at moving. I move like 13 times in a few years.

Okay. Okay. Maybe. I don't know. Well, either way. I'm just saying the problem is not. I need solid work. Because it.

This is also. the spending problems. When Fox and I got married, when Fox and I got married, it was supposed to be that, you know, he was going to be the breadwinner and I was going to be the stay-at-home mom. And we did that for a while until it's like... You wanted to be full tread? We did want to be full tread. Okay.

And then I would just... Thought he couldn't even go outside. And then I would... Well, he forced himself to. He's quite socialized. It's just like this weird little mask he puts on, I think. I don't know. He's really fun...

Is that the 50% black? Is that what you're saying? No. He's just fun to, you would think he's a really social, great person, but he, like, actually has social anxiety and just stuff. But anyway, so, yeah, we were supposed to be full trad, and then it was like I started working part-time, and I always kept the summer job because it was just so much income.

And then slowly, but surely, now it's like, okay, now it's like, we have to have that money. And so I'd rather, like, kind of slowly back down those hours and get something that can be year-round for me that is just sustainable. I mean, I can appreciate that, but there's also just lots of issues in here that are not an income thing,

because here's the thing. The lows, I'm not going to put it down as a debt because it only has $16 on it. No, that's paid off. There you go, but this is indicative of the problem because you had almost $700. That was from him on his tools. And you paid it off, but yet fee and interest still accrued,

meaning you did not manage it correctly, you're not a credit card. It was a late fee. You've had about four late fees this year so far on this card and hundreds in interest. You do not pay this off. It is in a 37% interest. And he wasn't.

Him? Is this his card? Yes. It's not on your credit. You're an authorized user? I don't know. I don't know. I don't know.

I don't know, actually. I don't. Okay. We're transparent. I mean, I... We're transparent. Me and him together, yes. It's not like he bought anything in secret.

Like, I knew he was using that. And I was like, why are we doing this? He's like, I need it for my work because he lost all his tools, blah, blah, blah, drama. And he's like, I'll pay him. off and then he like couldn't. Okay, it's indicative of everything that is going on. What the fuck even is that? What did you send me?

What is this? No one's ever sent me some bullshit. That's a Venmo. This is Venmo. Exported as an Excel sheet? That's what they sent me. I'm not some noob. Medical? Well, there's lots of denies and, well, okay, so what am I looking at here specifically? Because that's just all

medical stuff that was like partly paid off, but we're like... For Fox or you? Yes, Fox. Okay, okay, hey, you own $14,000. Yeah. Medical. Well, that will go on collections now. I mean, I can't, what am I going to do about that?

I can't even get groceries. You can get on a minimum fee payment, and they can make it income base, and yours is very low. So it would be super small, but at least so they don't send it to collections of credit. Especially if you're talking about having to get another department and get another house, you don't want credit. And we already know Fox is going to have credit because the Fox card is going to be gone. It'll be paid off. It'll be fine. How?

You can't tell I have access to it. I'll figure it out. So what's the fuck? It cost so much money. He got severely sick and he couldn't work for like three months and he, they ran all this test in the emergency room and it was like, it was really fucked up. So, because we didn't have insurance at the time. Now we do have insurance. So, yeah.

And then that was also from recently when he was in the jail and then got staff, which turned into Mercer. then he had to have the emergency surgery. It was from that, too. Okay. On here, Ally, I see a payment due, but I don't see a balance. I'm assuming this is a car. Oh, here it is. Oh, a Kia, 2016 Kia.

Yeah, it's like, what? Okay, is this your primary driver? Yes. Yep, $5,800, $24.25. What is the interest on this? A lot. What? What is it?

I don't know. It's probably... The payment's pretty small at 17702. I assume the interest is like at 25%. When'd you get this and why? Oh, this is the story. Okay, so Fox had a truck that my parents actually bought him. Oh, good.

And then I had a car that my parents actually bought me. And then he crashed his truck, and then I got in an accident with my car. and my car was fixable, but his wasn't. And then my stepdad was like, no, this car isn't safe. You just need to take my other extra car. So then I was driving his extra car. And then we just had the one car that we were sharing for like nine months because we couldn't afford another car.

And then finally we were like, dude, we have to get another car. So we're going to buy a car. This is the first car we ever bought either of us. Oh, I think Fox had bought one other car. We went there and we thought it was fine, and I read the contract, and I was like, yeah, this will be fine. And we got it. It turned out to be a lemon. We had tried to get it fixed through them, through the warranty, and it went into a lawsuit. How much do you think it's worth? Nothing. Okay, it's worth $6,000. $5,000. Oh, okay. You're about break even.

No, we're not even close to breaking even. We're in the hole with that. How did you pay for all that? We paid for that out of pocket. We paid the down payment. Oh, wait a minute. I think I paid half the down. payment and my mom paid half of it. And then... There's no personal responsibility here. Dude, it's embarrassing. And this is 45 in student loans yours? Yeah.

I'm on... This is a Bose moment. You've been there before. Somebody's apartment, small talk that's going nowhere, plastic cup that's almost empty. It's not great. Then someone hits play on a Bose speaker. Heads nod, feet tap,

one person dances than everyone does. Awkward becomes electric. When Bose sound fills the room, you don't just hear the music. You feel it. Your life deserves music. Your music deserves Bose. Find your perfect product at Bose.com. And a repayment plan with that, which is like pay as you earn.

I've been on it since 2013. And because my income is so low. And I get revised next year. Payment as earned, I don't know. But everything's gotten a lot more simplified under the BGB. I'm fine with whatever they decide. I'm not going to complain at either way. Well, you'll be income based on the repayment assistance program.

If that program that you're on right now is no longer valid, I don't know. I've paid zero for 10 years. Well, now it would probably be like a couple percentage points of your income. Which is fine. I mean, that starts next summer. That's another thing that I'm going to be different. It's like most people are like, oh, student loans. It's like, well, I sign the paper.

I can't believe I haven't even had it. And dropped that went back like a thousand times. Yes. And still don't have the fucking paper to show for it. Well, you shouldn't need to afford it. At this point, you should have the working experience that speaks for itself without the degree. That's what I'm saying.

And I do. So I don't know if I would have stayed in. I don't know. I just, I need a solid direction to be like pointed in because I obviously have like skills that are usable, especially I think working with like special needs kids for like so long. I obviously have like patience, determination, different qualities. That would be great for any employer. I'm not too particular about what it would be.

I'd love to be like a secretary. I want to look at your resume in the post show. Because it also depends how you're framing it. If it looks like you're going to just accept the job to accept the job for a quick paycheck, I can immediately leave. No. Because lots of resumes look like that. At the top of it.

Well, I'll review it. Okay. At the top of it, I put that I am eager to benefit a company to help make them money. I want to be a moneymaker for the company to benefit the company. And does Fox have student loans? No. Okay. Surprisingly no overdrafts in this checking account.

I want to make sure first, though, before I go, And, oh, nope, yeah, no, 130 and overdraft fees this year. Great. Great. I want to make sure, first, is that all the debt we got? Yes. Overdrafting, why the f- because your income hasn't gone down until now?

No, I mean, the income didn't, I don't start swim lessons until May. Now, I had a tiny bit of income coming in from, like, part-time coaching, but that was just, like, a few hundred, maybe, like, up to 600 a month to, like, pay off some of the credit card minimum payments. And then, like, Fox was, like, working and paying most of the bills, but in some of that, he wasn't because of, because of mental health, because he's going to prison. Because he broke his own morality. And now his wife and kids are going to be abandoned for a year.

Okay. Ooh. An interesting one. Amazon. Restaurant. Amazon. That's, okay. I get 50% off.

Oh, you're still spending a ton. Yeah. Yeah, 30 bucks there. I looked at it after I sent it to and I was like, oh, I'm fucked. Yeah. So Amazon pool food, Amazon pool food, Amazon pool food, Prime Video, Amazon, Amazon, Prime Video. The Prime Video was for my friend and they paid me for that. Okay, well, there was two of them.

That's correct. And then Amazon, and then pool food, Amazon, Evergreen restaurant. Oh, more. Okay, good. Netflix, Brevity, Amazon, Swimlet, Swimlet. Swim Alet. Swim outlet. Wait.

Texas GM, yeah. Texas GM American. Etsy. Swin. Costco's property groceries. Yes. Niacs. Oh, canteen.

Venet machine, venom machine, venom machine, venom machine. Wait, wait. Wait, wait. Venet machine. No. Stop. Stop. That is from when I went to the prison to visit.

How many vending machines you need to do well there? Well, I had the kids. So I have the kids. And I'm like, we're there for four hours and they have nothing. How are you going? going to prison with the kids. You're not allowed to bring... What do the kids think of this? They know that if you break the law, you go to jail.

Yeah, what do they think about it? They are sad, but they know that... Do people with their kids know, daddy's in jail? I've told them, I'm like, you can tell how you want, but you need to know that if you... That you need to know that if you make the choice to tell people, you might get made fun of it, because this is something weird that, like, most families don't have to go through. So they kind of keep it to themselves. Yeah, very smart.

Amazon, something department. But you're not allowed to bring food and drinks in there. Classic education and Amazon. Yeah, which makes sense. He already got in trouble for smuggling once already. No more needed. Apparently they get, some of the inmates,

some of the inmates get quote-unquote packages from drones. Well, yes, prisons have a massive smuggling problem. Of course they get it some way. But I never knew it was like from drones. That's crazy. Makes sense. Modern day technology. Anyways.

That makes sense. No, he's not involved in any of that. What I don't see was any savings or retirement. Yeah. Zero. None. Oh, shit. I am.

I am lined up to probably inherit the group swimming lesson program. my boss doesn't have any children or really any family. Why you? Because I've been there for 15 years and I care about it more than anyone. Because I'm responsible. Yeah, but why would she pick you? Well, she did. Obviously because she trusts me. She gave me a notarized copy of her will.

Whoa! And what will, okay, so what is this valued at? I'm not sure, but potentially 40 to 60,000, um, in. two months. Okay. Okay. Well, let's see how you manage it because we have how you manage your house. I've already managed my own swim lesson program at the natatorium in the way that she does it. So it's viable and I can definitely maintain it. The only reason I can't do it full time at the natatorium is because I don't have the teacher's supply. During the summer, she has the supply of teachers because everyone's off of school. But during the school year, it's way harder to get someone who's just going to work two or three

hours and that's it. Listen, I'm going to make the budget, but before we do, I mean, we got this, this episode, which is wild. And we have so many more wild things in the post show. More of her backstory, you can only imagine that got her into this, looking at her resume. And just even, uh, her mom's just endlessly bailing out. And we're going to talk about that even more. Yeah, but let's not talk to.

Please. I don't want to. I don't want to just go over her. Who? My mom. You don't have to. Oh, my. Okay.

So total income. $1,500, I guess. Rent, we're going to say zero because you're not required to. Utilities, do you pay that? I pay the electric and she pays the water. How much is electric? Electric is about $250 a month. Internet?

$80. Do you? I pay it. Let's get your minimum wage payments without student loans or medical yet. Okay, well, this eats a third. All right. $507 and $107. 20 cents.

Yep. Two cents. Now, to be clear, I want to make very clear because obviously it's going to be very tight. Do not pay debt if it comes

between choosing to pay a minimum fee payment or paying for utilities and food on the table. Dad can go fuck itself when it comes to the necessities of the house. To be very clear, I want you to pay debt. Right. Okay, phone bill.

My mom pays it. Okay. Groceries. What do you budget for groceries? Um, so we do, Costco, like maybe every two months, maybe like

six weeks to two months, and it's usually $2 to $300. And then HEB is like anywhere from 50 to 100 a week, depending on how much Costco, like, kind of the weight is in Costco because I get like a lot of

frozen meats and like yogurt and bowl. Tell me, for all three of you, do $400 a month? Four to $600. Okay, I was going to say five. It depends. At minimum. Well.

At minimum. Even that's a bit tight. I want to say six. They eat with, they eat dinner with my mom sometimes because like she picks them up from school. Okay, then I'll say five. Okay, Vroom Drive Drive gas. 40 bucks a week. Okay, so 160.

Yep. Car insurance. 165 and that's also renters insurance. Okay. But I've already paid that out through. I think February. So I don't have this. I'll put an asterisk by it then.

Okay. And TP fund, anything else for you and the kids? I'm going to say 150. We're keeping a really tight. All right. Sports activities, whatever, whatever. Tampons, all the good stuff. Okay.

Medical healthcare, are there co-pays on a monthly basis? I need to put in? No. I mean, we have the insurance. It's horrible to say, but I can't put any pet insurance. But how much for pet food? Um,

about six D. month. Okay. Subscriptions I'm not even going to try. I have Netflix and Amazon Prime. And Spotify. Let me see if I can put it in 20 and you figure out where it goes.

25. Is there a gym? No. Okay. Absolutely not. I just... Okay. Bro, I can't even pay to like get groceries. I'm not going to the gym. We're doing every subscription. You do push-ups at your house for free. Yeah, I mean, sure that's fine.

I mean, because, yeah, you're already over-budget by And I didn't even do pet insurance, which you pretty much have to do, at 50 bucks a pop. You're already at 1900. This just doesn't make sense. I know, but... Which is why, in my mind, debt will go up, and then you focus on paying it off again in the summer, and then it goes, it's just going to be a rebound forever. I need a solid career that's...

I agree. I need to be the breadwinner. I need to be the breadwinner, and then when Fox gets out, he can figure out what he's going to do. And if we agree with that. And if I agree with that. And if I agree with that. I'll get you as many course career certifications

you want. Usually we just do one, but you need to figure this out. I'm doing this for the kids. I'm not even doing it for you, honestly. Thank you. That's for the kids,

because you need to go get a fucking career now. So you're going to gather as much as you can and you're going to start working. But it's going to be harder to start a career 41. It really is. Not that it can't be done, but brought from scratch without the experience, yes, it will be harder.

So you're going to focus on that. And then you're going to go hard into grinding 40 hours a week at a job that is a consistent level income while working second and third jobs as well. Now, once you actually start bringing in like $2,500, we should be able to tackle down this, a lot of this debt relatively decently. It's going to take a few years still.

But that's fine. But remember, in June, I'm going to be making $6,000. We're not relying on that anymore, though, because you're focusing on getting a career now that is consistent. Right, but I can't leave the pool. I have to at least maintain some. That's another hard part of it. That's going to throw a complication into your career.

If I'm going to inherit the program, I have to at least stay there a little bit. Okay, once they're inheriting is going to be. Well, she's like 75, I think. So I don't know how long she's going to keep doing it. So, well, you haven't had a conversation? I mean, a little bit. She'll probably do it for another 10 years. How do you start a career if in the summer you can't do career?

I don't know. Okay, then I'm just going to go to the show because this doesn't work. because I would work both. Because I would work both. I would work two jobs like you're suggesting or three jobs. Yeah, but the hours are. Okay, whatever. Amber Financial score.

Okay, spending a budget, you overspend 0 out 10 debt. Well, medical's basically in collections, but it's not technically yet. One out of 10 for your income level, for sure. Emergency funds, 0 out of 10, retirement, zero out of 10, real estate, 0 out of 10. You don't own the house yet. You're not on the deed yet.

Round it up 0.5 out of 10. Click that join button for an extra insane. 20 minutes of this episode and every other episode by joining Hammer Elite, including three premium shows posted every single day Monday through Friday. Number one, membership on YouTube for a reason, ladies and gentlemen. See you there. Oh, this. I just want to be able to make money for my kids. It's okay. I get it. It's not okay. That's the point. Well, no, I feel. feelings, okay. And I brought my kids into it. Ice has really big sign-on bonuses right now. Hammer Elite is the best YouTube membership on the platform, and I just upgrade.

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