Financial Audit - Vile Cheater Has Secret Pregnancy And Loses Everything | Financial Audit

Episode Date: August 2, 2024

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Give me a break. Give me a break. Break me off a piece of that kid, cat bar. Give me a break. Give me a break. Break me off a piece of that kick. Off a piece of that kick. Kid Cat Bar

Have a break Have a Kit Cat To watch episodes of financial audit a week earlier Check us out on YouTube The week we closed on a house I found I was pregnant With who? It was and has

Oh, okay I was with the other guy Just a few times We were working at the same job Which happened to be the same place That this person were No I thought I would be able to

bury this secret Does he know? It's just gotta come out My name's Chloe I am 32 out of Kansas City, Missouri, and this is financial audit. Thanks for coming down from Kansas City, so what do we do for a living up there? I work. Am I allowed to say the deli name?

I work at a deli. Yeah, I work at a deli. Are you a meat cutter? We have meat cutters here. No, I'm a manager, so I kind of help run the whole thing. I'm in the kitchen. I'm up front. What do you make?

1850. 1850 is a manager. Hmm, okay. I guess that does. depends where, you know, I'm looking at the median lowest opening positions here in Austin, Texas, typically the mediums around 19 hours an hour. Obviously, a more expensive city than Kansas City, Missouri. But, you know, how do you feel living on that in Kansas City? It's not a lower paid city, or, you know, it's not a lower cost of living city necessarily. Like, it's still

expensive. It's not one of the highest ones, but, you know, it requires money. So how do you live in? I mean, I'm doing okay. I feel like I'm, I'm all right. I mean, I'm comfortable for the most part, you know, day to day. Obviously, I'm here for a reason, though. So, I mean, there's bad decisions being made. So, yeah, I mean, if you're living comfortably, I don't think we'd be in collections, meaning you didn't pay your bills. So just in general, give us a little bit of context.

What is going on here? So I got myself into a lot of debt a few years ago and I'm trying to get myself. The past is following me. I can't get away from my past. What's your past? So when I was 22, I met my now ex-husband. Before we ever ended up getting married, we had some relationship issues. I did the stupid.

Started looking for that attention in other places. Ashley Madison style I could say So anyway I started seeing somebody Okay Really? How long into the relationship? It wasn't

How long into my relationship with my ex-husband Or how long did the Yeah, how long did you see your ex-husband When you started seeing someone else About two years roughly But we weren't married Second time on the show I know

It doesn't make it any better It doesn't make it any better And I get that we weren't married at the time. We were engaged. I need to stop hitting the table. Okay. Like, yeah, that, that too.

But also, that doesn't make it... Okay, sure. Does he know? The ex-husband? Yeah. Yeah, it all came to light. It all came to light. And somehow he found a way to look past it.

We took some time after everything happened. Like, it was a whole thing. What happened? So I'll explain. He... Who's he? He, my ex-husband, found out because when I was unfaithful, everything happened very, very, very quickly. I was with the other guy, just a few times.

But a time that I came around to being like, hey, you know, I need to sit down with my boyfriend, a fiancé, at the time and be like, look, you're not happy. I'm not happy. We need to go, like, our separate ways, thinking that he was going to be like, yeah, you're right. You know, that's how I thought the conversation was going to play out. It didn't. It played out a whole different way. He was like, yeah, you're right. Let's fix it. I wasn't expecting that. With our relationship being the way it was, I didn't think that he felt those feelings for me anymore. I thought that we were just going to break up and he would never know that I was unfaithful and it would just, we would go our separate ways.

They clearly loved you. Yeah, I realized that too little too late. Too a little too late. So what happened then? So he said he wanted to fix it. I ended things with the other guy. We immediately started like looking for a house and doing all these things that we had talked about doing because we were engaged and that all moved very fast.

We got a realtor. We looked at several houses. We put an offer in on a place and almost immediately got a house. And it was like, I mean, this happened in a matter of weeks. Okay. It all happened really fast. When we closed on the house, the week we closed on the house, I found out I was pregnant. Who with who?

It was and his. so oh okay um oh okay um oh okay so i'll let you take the rain here and finish your story yeah so i found out it was pregnant right when we closed on the house um i told the father he had his own set of issues multiple kids with other women it was just a mess i knew that it was just it wasn't going to be pretty no matter what so things

you know decisions were made okay I just so decisions were made and the pregnancy wasn't carried to term okay because I thought that maybe I would be able to just kind of

bury the secret and my fiance would never have to know. And because I did, I loved him. He's a great man. I do appreciate you being open and honest and giving us all context for where things started to go awry. I'm guessing throughout all of this and obviously eventually a separation,

you know, just tying it back to your financial situation. So, I ended up getting really sick was what brought everything to light. Sick how? Well, there's no, I can't even figure out how to work around this, so it's just got to come out. Because I was so early in the pregnancy,

I want you to be very careful with your words. Be very careful with the words because these are the conversation, so I want you to just take your time, just out of respect for you, take your time. I know. I know. It just, it is what it is. it's going to all come out it doesn't matter not necessarily it's this is your this is your conversation yeah but it's my truth and i might as well just say it i guess um so i was so early in the pregnancy that when i went through the process of you know i've already said i made decisions

when i went through that process um uh because it was so early they decided to do just medicated they just give you medicine supposed to just make it all go away I mean that's how they make it sound but it didn't work it was supposed to work and it didn't work

and so a week after that I was so sick I couldn't keep anything down I couldn't keep water down I couldn't keep gatorade down I couldn't keep anything down and he took care of me I just kept vomiting and vomiting and vomiting and vomiting and it was so bad. And all the blood vessels were burst in my eyes and he's looking at me going, I can't keep watching you go through this. I've got to take you to

the hospital. And I said, if you're going to take me to the hospital, then I need to explain what's actually going on. And that's when I had to tell him. Okay. And he hit the coffee table and walked out of the house and took some time to cool down. And then because he's such a good, man, he turned around and came and got me and he took me to the hospital. And obviously, in that moment, God, this is so, in that moment, he called off the engagement. You know, there was a lot of things said between the two of us. You know, we just bought this house together. I spent pretty much my entire savings on the down payment on this house. It was like I put $15,000 down on it. Just a reminder, how, when did you close versus this event?

Weeks. Okay. This was weeks. Wow. We just moved into the house. Okay. So I put my 15,000 down. We closed the house.

All of that happened within weeks of being there. And then it was basically, I was like, okay, I will, the house was in his name. He had the better credit. House was in his name. It was his house. Okay. It was my money. his house. Your money. So I was like, I'll, I need time to save up money to find somewhere to go

because he didn't want me there. I mean, understandably. So he allowed me, it was a four bedroom three bath house. He allowed me to stay in one of the far bedrooms. And in that time where I was trying to save up money and still trying to help with the bills at the house because I was living there and everything else. It was over like a nine-month span where I was still like looking for somewhere to go that he, we grew back together.

Like on my birthday in April, he reproposed that following April. So he reproposed. We got married that October. So we thought we moved past it. You know, he felt like we, He had moved past it enough that we could continue on with our relationship. We got married that October after the infidelity, after everything had happened.

He was still struggling with everything. We were working at the same job, which happened to be the same place that this person worked. Oh, my God. No. That's okay. That's what? Sorry. I know.

That was just kind of shocked me. I'm sorry. I'm sorry. This is this is your story. I know. I don't mean to smile. That just like shocked me. I did not know.

It was just. Yeah, we all worked together. So he was struggling with that. So I told him to quit. I told him to quit. Which one? My fiancee. Okay.

I told him to quit. And to go to school, do something. You know, go to school for something he wanted to do. Mm-hmm. And so he did. He enrolled in an academy. I worked full time. I paid all the bills while he was in school full time.

I didn't make enough. So I started opening up credit cards. I think there was three or four of them that I ended up opening up. I paid the bills with my income and then anything else was on credit cards. And I was racking them up. And I thought I had it under control. I didn't have it under control. I have it under control.

So. Okay, so now we're where we are today. Yeah, divorced because he realized he wasn't over it. How long into it? How long did we last? We got married October of 18 and we were divorced by summer of 21. Okay. I'm not in a great situation.

I'm not super happy in my life right now. I know that he is and he. He has come out better for everything. He's with somebody that he loves very much. Have you found a new one? They have a kid. No. I've had two very unsuccessful six-month relationships since him.

Okay. So with where you are today, I would love you to just give me an assessment of where you think you are, zero to ten, zero being the worst finances, 10 being the best. Where do you think you are? Well, I took your test and it was at 0.5.

Point five. You want your Hammer Financial Score? It's free. Link in the description below. And if you have just an interesting life, interesting finances, points of view, you want challenge because, you know, you're just so headstrong on something that you just, you need a wake-up call. Apply.

Come on the show. Calebhammer.com slash apply. Who would be happy to have you. So if all of this is recognizably bad, and you know that things are bad, the past is the past. And I'm glad you give us the context. I'm not going to harp on the past, okay?

Let me just be clear. I'm not going to harp on the past. I don't even have close to a perfect past. Whatever. I care about what you're doing right now based on your situation and what you plan to do, okay? What you're doing right now, necessary food is 2.9% of your spending,

but going out to eat is 10% of your spending. If you know that you're in a bad position because of actions in the past, that got you there. Okay. But if you know you're in the bad position now and you don't want to be in the bad position and you see the other person being in a bad position, and you see the other person being in a better position,

you're like, wow, I deserve as a human being to be in a better position as well. Why put ourselves into worst positions and make it harder to get forward by spending four times as much on going out to eat than getting groceries? What are we doing with our actions there? Feeding the dopamine? Yeah, that little rush. And I get it. I love the fatty, salty, salty, sweet.

Is that what we're talking? Yeah. What's really ridiculous to me, though, is I work in the food industry and I can pretty much eat for free almost every day that I work. So that's why my groceries are so low. But I didn't realize I was doing that with fast food. And I talk about pack a sandwich all the time. You can work at a sandwich. I work at the sandwich. I have a sandwich. I brought a sandwich. I brought a sandwich from work. I did not realize I was doing that. What came in for payroll was 2007, does that sound about right for a month? Yeah.

Now, how much went out? How much was spent? 2072 came in, how much was spent? Probably at least 2000. Okay. I don't ever end up with anything at the end. Okay, but we allow ourselves bullshit spending? A little confused.

Well, where do you want to get to like goal in life yeah where are we trying to get to not where i am okay so you're unsatisfied with where you are but not wanting to be there simply isn't enough having a vision of where we want to go that's what gets a fire under our exoscelia like yeah i'll actually sacrifice i'll put in the work to do better and i'll start making my life better it seems impossible what it's it doesn't seem to matter. It doesn't seem to matter what I do, even if I am saving money, um, I, at the end of the month, I never have money. As you know, this channel is all about making sure people stop making dumb, dumb decisions with their money and start to plan for their financial future. Well, today,

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Because maybe you're not going out to eat, but where would that money go? Maybe you're putting it in something else that is achieving that dopamine rush. Maybe you're chasing the dopamine rush. That's exactly what I'm doing, but I don't know where it's going. Okay, well, I mean, I can tell you where it's going right now. and to answer the question that I asked you again, 20072 came in, spending 2430.

So it's not that you had nothing left over. You overspent. So the situation that you're in, the situation that you want to get out of being like, I don't want to be where I am right now. I want to get some more better. Well, you're digging a whole worse,

making you stay where you are even longer. So it doesn't do anything for us. You have a credit builder. Chime. I would have rather you gotten a charge card, a card that you could have put money on and then spent and helped your credit like a fizz card or something. But, okay, let's start digging into this. Again, I really do appreciate you being as open and honesty as you are.

It's actually kind of impressive. $391 and $41 on there. We have people that come on the show. I'm like, what do you not want to talk about? And they're like, don't tell them that I got only four once. And that's like, that's what they care about. And then you're just like, I'll tell the world everything. So I do respect that.

There's no point in hiding it. Like, there's people in my family that are probably going to watch this and be hearing it for the first time. That's scary as hell. Okay. Well, if you need help, navigating that. Whatever we can do, just let us know. So on here we have 391 owed, and that's what you also have to pay, it seems. See, again, we're going to Burling.

Did you have to go to Burlington? Amazon, who knows what that is? What is the joint corp overland? That's my chiropractor. Okay. That's going to be on there a lot. Yeah, it's that guy just not a punch-up. T.J. Max, did we have to?

Did we have to? Did you have? Yeah, exactly. Dutch bros certainly didn't need to do that with where you work. And then Amazon. It's right next store. Okay, but like, eat the things in the store instead of going next door. It's coffee.

$25 a coffee? So I charge up my account and then I just pay with the app. So the big. And then price chopper. Okay. So price, oh, that's going to hurt my necessary foods.

Price chopper purchases are mostly going to be paid outs for the store, if we need produce for the store. So I get, I get reimbursed. So you're necessary food probably isn't even actually necessary for you. Total ending balance 403

but you transferred some in the, okay so. Transfer. Okay. Now this you just brought. This we were not aware of. This is fresh for us. So I haven't taken a look at this. This is a letter from an attorney.

Dear clerk, in close, please find an order for dismissal as to the above caption matter. Please file with your office and return filed copies to me and then you can close self-adjury. dressed envelope. Thank you for, thank you in advance for your time and consideration of the matter of this matter. What am I looking at? I'm honestly not even 100% sure. I got it in the mail. It's something from my, I have a Discover card. Well, it says dismissal. Oh. But I don't,

I don't know, honestly. So this is for a Discover card? Yeah, I have a, it's one of the credit cards that I opened when I was married. But most of the cards, I've just, I've just, I've had my head buried in the sand for so long that it's Discover Bank versus you and it's in order for dismissal. That doesn't mean I don't have to pay it right? Like, um, they're not just, you know, it still shows up on my come now plaintiff, discover bank by and through its undersigned attorney of record and hereby dismisses the above entitled cause of action against you without president against refilling. It was probably just too expensive. So they probably just there just like, Because, like, why chase you down for it?

That's my guess. The thing is, I don't even remember. And maybe I was just... Yeah, so if it's dismissed, it means the case has been closed without discharging. Creditors are still entitled to pursue the collection if they would like to. A discharge would release you from the personal liability. But you got dismissed, not discharged. So...

So, they still could. Again, it's probably not worth their money in time. the legal fees, the filing fees, the different things. Because what is it probably? Like a thousand bucks, maybe? For the, on that card that they would get, it's like 3,000. Do I have the card? I don't know, because they were all closed.

They're all closed, charged off, so there's no statements because... Okay, this Chase one. This was also something you just sent to me. Unpaid balance of 2,693. They're giving you an opportunity. Oh, okay, okay. Okay, so they're essentially just trying to get any kind of money from you. And they're allowing you to do a monthly payment.

So this is actually pretty okay. I mean, it's not okay. You owe 2000. Starting a business can seem like a daunting task, unless you have a partner like Shopify. They have the tools you need to start and grow your business. From designing a website to marketing to selling and beyond, Shopify can help with everything you need.

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Now, you can make that payment or you can make two equal payments or you can split it into three. And then come on, three payments, I feel like we might be able to do that. I mean, it almost equals you're going out to eat spending. It would be three payments of $314.26. So my question with that, though, was because it's already been on there so long and they've already charged off the account and closed it. I mean, isn't it just going to fall off in a few more years? Isn't it like based on recent activity? If I go and make a payment or something, does that

restart the seven-year clock? Well, how long has it been? Yes, yes, yes, it would, but how long has it been? Three years. Do you really want to, does your credit matter to you? I mean, I would like to be able to buy a house and something someday. Okay. So it sounds like we should just try to get it off then. Plus it is money that you owed Plus they're kind of giving you a Deal Usually you gotta, if it was with like a Collections Agency

You would have to kind of negotiate With them to get something like this But they're kind of just like Jumping to that Okay Moving along Collections, yeah? Yeah

Okay This is Kia Oh wait, no no no That's your current car. No. Right? No.

Do you owe something? Yes. Wait a second. No, that's a hard inquiry. You hard inquired to Kia. Okay, sorry. Jana Ferell is the collection holder for the Kia. It was repossessed.

Oh, when? So you got a car repossessed. So was that after the divorce and after and then get out of the house? How'd the leaving the house go? How did you get in finding a place? How did that all go? It didn't very well. I I the job I was working when he and I were married ended up closing because of COVID because we got married in 18 19 hit

I lost both of them I lost I lost my job so I was furloughed for six months and then basically a month after we were allowed to come back the company announced that they were closing that plant so what I did was I took my kia's 2015 kia sole that I had a turn Turns out I had six months left on it. Okay. And I traded it in. And I got like $2,000 for it. And they put me in, uh, 2007. That you picked. I got kind of, don't say they put me in.

You picked it. I didn't want it. I really, it was the only like, so I told him I wanted like an older model soul or something along that lines. And they're like, well, this is what we have. That is in your. I don't take it. What are you talking about?

Well, but all I was focused on, like, the only thing I cared about was getting a lower monthly payment. And that's what I told him. And that was so stupid. But I was like, if you can get me a lower monthly payment, that's how you get. Did you know you had six months left? When did you know that six months left? Afterwards. No.

I, okay, so at the time, I just, I wasn't paying attention to that kind of stuff. I wasn't, I was stupid. But you would pay attention to your monthly payment. So you would have some kind of knowledge. But yes and no, I just made the payments. I just made the payments. I didn't pay attention to the balance going down or anything like that. It just made the payments.

I didn't pay attention to the time. I didn't pay attention to any of that. It wasn't until afterwards I realized that I'd only had the six months left. I should have just pushed through the six months. But they lowered my monthly payments by like $150. And so I thought that was a great deal. It was $150 less every month. So what was the balance of the car then, that new car loan?

The new car loan, I think it was like $18,000. Oh, fuck my life. Oh, just end everything. And it was a, I think it was a six year. What was the payment? It was like 247. And how were you paying for that? With my job.

I mean, it was fine in the beginning. It was fine in the beginning. It wasn't until the divorce was finalized and I moved. And then how were you paying for it? I wasn't. That was how I ended up getting it repossessed. So it almost got repossessed once. I ended up taking out a payday loan to pay it.

That's paid off, though. But to make sure it didn't get repoed, I took the payday loans, make sure it didn't get repoed. And then I got it caught back up, and I was doing better about staying on top of it. And I just, I was in another, it was the one of the two bad relationships that I was talking about.

Oh, bad. You didn't say they're bad. Yeah, I said bad. I said unsuccessful. Oh, you said unsuccessful. They were bad. They were bad. Well.

Unsuccessful means it didn't work. Okay. So the first one was bad. Okay. He, I've known him now for two and a half years and he's never held a job. I financially supported us the entire time. I know. We don't date losers.

So, uh, I was financially supporting him and then for a portion of the time, his daughter. And it was hard. And I wasn't making very much from when I transferred. out here. And I mean, I was a manager at, um, uh, feed supply store and it just, it was hard. It was really hard. It was a bad relationship. And I wasn't making ends meet. I was doing the, the pay advance thing where you get pay, daily pay. Oh, no. Yeah, yeah, yeah. Yeah, yeah. This just shows what a mistake does, by the way. The I, I know you guys try to work on it. And again, I said I wasn't going to harp on it. But this, I, this puts an example for those out there that

might be considering cheating for whatever reason. Again, I'm not trying to make you feel like, but also, just, you know, I don't know. For those who are out there considering you had the dream life. Yeah. You had it. And then you went through all of that to sit where we are now with a repoed car, payday loans to pay it. Oh, it is. I'm sorry, I don't, I don't want to make you.

It's just, it is quite. the story. It is just the whole... I'm sorry. I'm sorry. Just take, take your time. No, I f***ed that all the time. The fact that I had it all. I had it all. And I threw it all away over a stupid decision. I was, I was, not the age makes it okay at all. There's no justification for what I did at all. But it, I was 24. I was stupid. I've been stupid up until now. I'm still stupid. We're all stupid in different ways. I threw it all away. I threw it all away. And I don't think I'm ever

going to have that life that I wanted, that I wanted with him. Well, we're young. I'm 32. Okay. Well, come on. Let's not, let's, don't make me feel old. Like, you're still in your 20s. I know barely. Barely. I know. For a moment.

You may as well be young. And, this time. I don't feel that way. If you've given up then, it's not even giving up. It's not even giving up. Caleb is just like, okay, everybody has different timelines, right?

Everybody has different ideas of how they want their life to be. I know how you feel about kids, sticky, icky, stinky kids. It's more of a joke, but like, I have, and this makes what I did even worse. I have never wanted anything in my life more than to be a wife and a mother.

I've never had a career aspiration. I've never wanted to be a doctor or a lawyer or anything else. I wanted to be a wife and I wanted to be a mom. And I gave that up. I gave both of those things up. And now I'm 32. Even if I had a kid today, that kid would be graduating high school when I'm 50. I don't want to be, like I thought I would be done having kids by this point.

I was going to be married at 25 and starting a family and everything. And I just... Okay. Because even if I start dating someone, like, I probably wouldn't have a kid until 32. So like, come on. I know, but I, you might be okay with that. I didn't, I wasn't okay with that. It was your picture.

Right. I wanted to be done having kids by now. I wanted to have kids in elementary school. So adoption is something that I am excited about as a possibility. I've been approached by somebody asking me if I would like to adopt a child. That is due this fall. I adopted Noah. The worst kid I've ever had in my life.

No, I know why. You say they're sticky and stinky. Yes. That fiend. But it's a possibility. It's a possibility. And it's something I am excited about. Paradee presents

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More rapid And Supera Clarity and Flownase Aunae At least I'll be If this all goes through I will be doing this on my own

If what goes So this is on go This is a thing This is a thing I was asked to adopt a kid By like someone Just close to you? So it's a co-workers

Younger Sister Okay. So. All right. So how do we feel about this? Over the moon. Okay. Terrific.

Yeah. Well, sure, I bet. So. How old's the little creature? Not born yet. Do in this fall. We get to do the whole screaming in the middle of the night thing still. Yes.

But that's what I look forward to. That's what you wanted. And I don't care about doing it on my own. I just want to do it. But there's always up until papers are signed. Things can change. So. Okay.

So when would that be? When would we know for sure, for sure, for sure? 48 hours after birth is the earliest that a birth mother can sign that rights away. I'm assuming that, you know, sometimes after the birth is just, well, we don't need to talk about that. Yeah. It's like, yay. Things will be good. Yeah, we hope.

Okay, cool. But people change their minds. And I'm a realist, so I brace myself for those things. Okay, so we have this card that was repoed. You still owe 9,888 after they auctioned it. After they auctioned it, yes. Okay, and it's only been open for eight months, so it's not like this is going to fall off at any time soon.

No, it was repowed a little over a year ago. It was last May. And have we talked about payment plans? Have we done anything? No, I have ignored it. Yeah. That is what I'm good at. Yeah, and how does it?

ignoring, first of all, how do you feel getting a kid in this situation when you're not able to pay for your own bills? Probably not the smartest thing. But I'm hoping that I can figure out a way to knock all this out. And I, like, clearly there is. A single mom, 18 bucks an hour, that's going to be difficult. I know, but single moms do it all the time. Yes, but oftentimes a lot of it is put upon them. You are taking this opportunity.

And because I am taking this opportunity, I will do whatever the hell I have to do for this kid. Okay. Well, I'm going to play devil's advocate. Yeah, you're good. Is it fair for the kid? If they grow up in a financially stressful household. No, it's not.

Okay. Because I grew up in a financially stressful household. Oh, me too. Oh, yeah. I saw those foreclosure notices. I remember hearing my parents talking about bankruptcy over Valentine's Day when I was like 13. Yeah. Right there with you.

No. So I don't know. I can't tell you what to do with that one. That's a heavily emotional choice and there's a lot of things that go into that. Just, you know, it's not like the opportunity to adopt will never come again. I'm not saying don't do it. I'm not saying do it. Maybe we're considering different income situations.

I'm always happy to boost your resume with a, course career certification and something like accounting or something like that you just let us know we'll set you up with that you know there's a lot of things we can do um like i would want to see you making it like 25 bucks an hour you know i don't know what your living situation what is your living situation i own a trailer uh i bought it outright i yeah but you probably still pay rent and you i do i pay a lot rent but i own the trailer out way i i uh you know love this um i do close to 401k to be able to buy it. To buy a depreciating asset.

I didn't see it as depreciating. I saw it as mine. Well, that's how that works. I mean, cars are yours. They're depreciate. How much did you buy it for? 12. So you pulled 12 out of your retirement?

Yeah. When was that? When was that? How old were you? It was after I moved here. So 2021. Fall of 21. So you were 30.

30, yeah. 29. Yeah. Okay. So you have 30 years before you could take money out, tax advantage. So if I opened up the app where I invest in, Moomu, I bought some SPY. It was in that $12,000, you know, 10% is the average return for that. Just that itself, if you just left it in there, instead of getting a depreciating asset,

by the time you're 59 and a half, it would have been worth somewhere around 2,000. $238,000. I said, we got something that's going down in value. Not only that, and I'm not saying, you know, I'm about to go, some stereotypes for a second. I'm going to do some stereotypes. Can't speak for every community in the world, but is that always going to be the best place to raise a child? No, and it's really not the best trailer park to be completely honest. I was going to talk about the community as well.

Again, they don't want a stereotype. I'm sure there's pleasant ones out there, but historically are they known to be the best? No. No, I want to get, I want to get a real house. I really do. But aren't you also, I was checking in the notes before. Aren't you paying property taxes for someone else though still? Yeah, that was your rent on a thing you own.

So, so. I'm so confused. Yeah. So, um, the ex that doesn't work that he was living with me, He and his daughter were living with me. So he came in to some money. Oh. Okay.

And with that money, I was, so they were living with me even though we were broken up. How much money? Context. A lot. Do you know, ish? Can you give me a round? He won a settlement. He got, I think, after lawyer cuts, it was like 60K after cuts.

Okay. He got that in December of 22. Sure. And it was all gone by February of 23. How does this mean you're paying property taxes? So he was living with me when all that came through. And I told him that he needed to use part of that to get his own place. And so he went and got a trailer in a different trailer park.

But he has. Is this like the thing to do? Well, where I'm at. Yeah, I mean the area. My concern, my only concern really is his daughter, who I just adore all my heart. I know. And I love the heart. So my concern is making sure she has somewhere safe to be.

He had the money, but he has other kids and like back child support and stuff. So he didn't want to have the title of the house in his name because they could, if they found out, they put a lien against it, take it for back child support. The trailer itself. Yeah. So it's in your name? So he used his money, but we titled it in my name so that he, there's no chance of it getting taken with a lien against it. Because I wanted to make sure that she was going to have somewhere safe and not be put in that situation. She's 15 now.

She was 12 when he and I got together originally. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one? I don't want one. You don't want them. You just touch them.

Why would I want to do that again? Because it's fun. Is that? And it's awesome. You're good. Hey, bro. How is Caleb is? a lover. I would give a solid nine.

Wow! How do you get to a nine? I just don't know how to answer that because, I mean, I just do. For the upper tier memberships, all the people from the crew from over there, they come together, they make a crew cast and they talk about the behind-the-scenes content and how we do everything here. I don't want to contribute as much because I'm already so much on camera. That is the greatest thing I've ever heard. Twice a month, No one I come here. We have a live stream with you guys and we hang out with you. We answer questions. We chat it up. We talk about the show.

show, we just have a good time. Caleb reads that book every day. I actually wake up and then I gooned that book in the Goon Stream. And then most exciting right here at this table with even more pie charts, we have an exclusive, uncensored, ad-free financial audit episode for the top-tier members that no one else gets to see anywhere else. Consider joining me because ad rates are always up and down. We're trying to build something great here.

And I wanted to make sure to provide the best content and the most amount of content that's ever been in a YouTube membership. Link in the description below. But it just... How much is this? Like, how often are you paying what? Well, so they take care of it. He takes care of it.

He has other people living there with him that takes care of like the rent and stuff. But as far as the property itself, the trailer itself, because it's titled to me, I paid the title, titling fees and everything. And then I paid the property taxes on it,

along with mine. And how much does this cost a year? A year annually when there's no late fees. Late fees. Oh, by you, but not paying, okay. By me not paying. By me not having the money altogether at any one given time, I pushed things off. I ended up paying two years of back taxes on mine and a year of back taxes on his just last month.

And it was about $1,700. This is insane. It's actually not the craziest amount of money, but for three years worth of it. things. Yeah. So what would it cost you a year just as though? 150. 150 bucks? Yeah. It's a trailer. It's an old trailer. It's not worth very much. So the property tax isn't terrible. And he keeps telling me he's gonna. Yeah. It's literally for the kid, right? It's for the kid. I want to make sure that she's safe. He's a deadbeat. He needs to take care of his shit. But that doesn't mean he is going to. I don't want you to have to pay for this. I don't think you should, but I understand

you with her. That's an absurdly low price. Send me the bill for the next three years until she's 18 and I'll pay for it. Okay? Just do that. Okay? Because that's, it's 150 bucks. I can do that. Okay? So do that for the next three years. She's 18, then she's out. And then we tell him he can go fuck himself, okay? But I don't want you, I don't want you to deal with this, but I also don't want to her by him being a piece of shit. Okay, so the next three years, you send me the bill. I Venmo you the money you pay for it. Deal? Deal.

Okay. Okay. Okay. Let's get, let's get. Okay. Okay. So I know this conversation's been. I know. All over the place. A lot of tea. Yeah, it's tea driven. Emergency physicians. So you owe a thousand in collections. It's gone. It's gone. It's gone. It like, literally.

Literally, like two weeks ago, I looked at my credit karma and my trans, trans, Unite, Equifax, whatever, and it's just disappeared. It's not been charged off. It's just vanished. And I'm guessing it fell off. It was a medical one. They've changed medical rules. I don't remember what it is exactly.

I always forget. That's eight years old because that was the emergency room from the, oh, okay. Well, if it's eight years old, then. That was the emergency room from when I got sick. All right. What is this in collections? LVNV funding. That is a tractor supply credit card.

What the fuck? Are you getting from tractors? That was when I was still living in Oklahoma. That was where I ended up working after my plant closed down. And you took out a credit card there at the place you worked? Yeah, because they retail places. Hey, Noah, you want to take out a Caleb Hammer Media LLC credit card? Just go into debt from me.

Going to debt from me for 30%. Okay. So retail places, they push. credit card sales. I like if you... Yeah, on the customer. Well, but if we weren't hitting our numbers for the week, then our

upper management would be like, hey, why don't, you know, if you will apply. Because it didn't matter if we got approved or not, they just wanted people to apply. So team members would apply every couple of weeks to make sure our numbers were where they were supposed to be. That's insanity.

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fine. I just, it was it was dog food, cat food all that kind of stuff. That's what I was putting on it. But I was doing really good at like paying it off.

I was doing well at paying it off. But I just. And then you didn't. And then I, well, and then I got the separation and everything and I moved out. It's the separation. That was it. How extensive is your resume?

Could we find a better job? Customer service or something? my my resume isn't terribly extensive because from 18 to 28 I was in the same field I did industrial printing no no no no no that shows that you have a commitment though trust me when people hop around once every six months like it shows that they can't stay stable right now once every you know you'd want it to be like two years yeah well I mean after the plant closed down though then I started jumping around I did retail I did tractor supply then I transferred to the tractor supply out where I'm at now that location and then I left tractor supply and did insurance and that was a nightmare. I will never do insurance sales again.

That was awful. And then I realized how much I hated that and I did the stupid because that's what I do. And I quit without having another job lined up. And I thought that I was going to make it doing DoorDash. And I was not making it doing DoorDash because that was when I was still trying to support multiple people. And that was when the car ended up getting repoed. It actually got, so they repoed it. I went outside to go to my onboarding for the job I have now, and my car was gone. Like, I realized I wasn't keeping my head above water, and I was like, I got the job. I took a job as a team member at this deli, and it was already too late. How long has this been on your collections, this tractor supply card?

941. Three years, probably. I mean, since leaving. Okay. Oklahoma. Spot me line of credit. What is this? It's only $11.99 cents.

What is this? I don't know. Spot me. It was new spending. $9. I don't even see what the spending one. Spot me is through chime. It's basically like people, you know, it's like, hey, spot.

I don't know. You get like a base credit line and then people can spot you $5. And if you have a bunch of friends that all spot you $5, then your credit line's higher. and so I I turned that off though I did turn it off I got it all paid back and I turned it off so I don't have access to it anymore I'm confused honestly on how

you couldn't pay like the car loan and all this stuff over the past few years when like I have been told before this that you've spent $10,000 on like quilting so you chose quilting over a car loan like there is some parts of sympathy in this conversation sure but there's also accountability yeah

it's $10,000 on quilting instead of making minimum of the payments I at a certain point it's not the whole world's against you there no it's not the whole world's against me you're fucking

ninnin it up quilting it up it's different well I used to knit and crochet too I'm a hobby jumper I did that a lot when I was married all that was still when I was in Oklahoma I but that is where a lot of my spending

and bad spending habits came from was I would just spend money on my hobbies. And what are we doing to fix that? What's different today? What is the new hobby? Because when these other... How's your car situation right now? I am very, very blessed right now.

My grandparents gifted me a 20-year-old van. Okay. How are you paying for the car insurance? My grandfather is. Okay. Obviously, that's not in a position you want to be forever. So we need to get control of her spending because in general, whether it's behavioral, maybe you need to see a therapist or whether it's emotional. And we talk about budgeting.

You obviously, just like anyone who goes on here, you're going to get access to our budgeting program and our investing program, which is, by the way, bundled now. You can check it out for a lower price. I highly recommend it for anyone. But I want you to go through all of those. And if you're actually learning how to budget, you sit down and budget on a monthly basis, you sit down, see what you spent last month and how to. that compares to what you intended to do and how you need to fix your budget over this next month to hold yourself accountable. And if you need to give yourself little rewards along the way for hitting certain goals, that's good too. But if we're spending $10,000 of knitting quilt, shi-bore crap, like, instead of literally paying our minimum-monthed payments, we are never going to get anywhere in life.

Never going to get anywhere in life. And who knows, maybe the next hobby is fish tanks. That's expensive as a... You know? Gardening. I've found gardening. Gardening is not cheap. Depending.

I've put probably bare minimum 500 into it so far. How happens when you have this kid and you're like, I want to do $10,000 I'm gardening instead of putting money aside for their college or something?

Okay, I will say since all of this has come up, since the whole adoption thing has come up, it has put a lot of things into perspective. And it's one of the reasons I started even talking to like, co-workers about money and everything because I do I want to change I want to change did they recommend you to come on the show yes oh okay my boss he's a fan oh a little boss so but I I want to

change and I I I'm a collector big time collector I don't even think I mentioned any of this in the application or anything Starbucks cups or a weakness mugs or weakness. I have tons. I know. It's not even the drinks. I don't care about the drinks. They're not even that great.

They're just pretty. Where are they? On shelves. Oh, so they're actually displayed? Well, yeah. I mean, a lot of times they were in boxes, like in between moves and stuff,

but I had them, I had them on shelves in my house. I had pictures of like they were along, like the tops of the cabinets and stuff. They're pretty. But do you have a picture of this? Oh, somewhere I'm sure maybe. but my point is they're gone.

Oh. When all of this. I was going to say that might scare a man away next time you have went over, so I just wanted to, you know, throw that out. The point is they're gone because when I was asked about the adoption and everything, it put things in priority. Like, it just changed things for me. I got rid of all my Starbucks cups. I sent them all over to my grandparents' house to sell in garage sales. I, like, purged my entire house.

I was like get rid of this stuff. I don't need this stuff. It changed a lot of stuff for me. Now, I will ask you, and this might come off as me, but are you sure that this kid in your hobby jumping is not in your brain and how it's working for its dopamine fulfillment and other hobby that you might jump from? Right now, you're putting all of your effort into this by getting rid of things and doing all this things, but just the same way you've put all your effort into these other hobbies in the past.

What's going to say that you're going to say that you're going to do that you're going to do. But you don't find interest in something else and put your full focus into that a couple of years down the road instead. Instead of my kid, that would never happen. Okay. I would give my life for a child. Okay. I'm just assessing. Well, I've made mistakes and I won't make mistakes like that again.

So if a child were to come into my life one way, another, I sacrifice all the time for my ex's daughter. I would do anything for her if another child was somehow coming to my life, this adoption goes through whatever. I'll ask candidly, you know, it's just a person to a person forgetting that this is a show or anything like that, but this is being turned into a show.

Is the person who you're considering an adopting from going to see the show? And what do you think they'll reconsider from seeing that show? She probably will see the show. I've actually talked to her about it, about going on. But I've talked to her about my financial situation before. She and I have talked. So she knows she's been in my house, my trailer, she knows,

but she also knows, like, what I have, not sacrificed necessarily, but what I've done already in place to try and prepare for this kid. Like, I have an entire nursery set up. The second bedroom in my house, there's a crib, there's a changing table, there's, I mean, it's, there's a fully functional, I could bring a baby home right now today, and, I have a nursery. And I accidentally create a little whoopsie in my escapades. I'll throw it your way. Oh, my God.

That's a terrible joke. Yeah. That's a horrendous joke. That is awful. Oh, my God. Things fly through my head and I have no filter. I apologize. And Noah just typed that he can live with you if you want another child as well.

So there's lots of options. Okay. So is this a Bitcoin account? well I'm confused oh no no no no these but you can get crypto in this wallet you got gas I don't know what this is it's some account that holds money it's

19 bucks in there I can't even see what any of the purchases and spending are they're all blacked out but then you got Chipotle and Chipoli so we certainly can't do Chipotle if we want to get a kid or something a Venmo or cash shop what are the other hobbies you've pumped money into and have spent

um well nail polish was a big one for a long time. It's a hobby? How much did you spend on that? A lot. Nail polish, I don't have thousands. I mean, so, but I mean, all these, it was, I feel like I'm trying to justify it. And there's really, like, looking back, hindsight, there's no justification.

But, I mean, if I stuck with one hobby the whole time, I feel like I could justify it. But the fact that I hobby jump, I don't, I know it's, like, bad. Like all my nail polish, I still have it all. It's sitting in a storage unit in Oklahoma in drawers and drawers. No fucking way. Can you sell it all? I don't know. Maybe if it's still good.

It's sitting in a... Even 25%. Take that throw it out of debt, dude. Yeah. Like you're... It's just sitting there. I don't want to. Yeah.

I don't give a shit. Do you want this kid to live a good life or not? Do you? Make sacrifices, okay? Yeah. Just like, let's grow up. You're 32. Like, you're in.

your, like, you know, you turn 18, your adult congratulations. You've gone through the 18, 19, gone through the 20s, not you in your early 30s, been through a lot of adulthood. I think maybe it's time to act like one. Okay, so I'm, okay, I can part with nail polish. That's, I'm over the whole nail polish thing. I don't do my nails anymore. Fine. I don't know if it's even in good. I mean, it's been sitting in storage for years. I wouldn't know. It may be trash. Well, you're paying for the storage unit too, right? Yes, I'm paying for a storage unit. Okay. But I, I'm trying to figure out how to get that emptied out. It's the logistics thing.

Call a trash company. Yeah, that's what, well, my boss's suggestion was to haul it all out into the middle of the thing and set it on fire. Well, that's probably a more illegal suggestion. Yes, but all my quilting stuff is there. All of my, my sewing machines, my fabric. Go get it. I've already made multiple trips down there.

There's so much. Okay, then do one more trip. Take what you would find that you would. that you would take in that trip and then that's obviously the most important stuff and the rest of it can forever. Okay, okay.

It's not unreasonable. I haven't had access to it for three years. I am willing to make sacrifices. Since your grandpa gave you the truck, but I'm seen on this piece of paper that you owe your grandpa $4,500. Yes, so he

gifted me the van itself, but the van is not. It's 20 years. old. It's an 04. It needs a lot of work. It has needed a lot of work. It needed front end. It, the alignment, what I don't do cars. So I'm going to say things wrong. But whatever has the tires on it on the front was off. And it was eating through sets of tires. Like, we were having to put tires on every like four months. Um, and there's $300 every set of tires. And so he helped me pay to have the front end fixed. He's paid for at least two sets of tires, three sets of tires.

Oh my gosh, and all this is added up to $4,500. Yeah. And I still need to put like another three grand into it because this is even worth it? I, I, I, add his $4,500 at your $3,000. You could have got a used car that needed less work. Yeah, but this is something I can make, I can work on making payments with him where are there minimum monthly payments? to him? No. Nothing's up yet. But what I'm saying is nothing set up yet, but we can set up...

How long have you owed it to him? Well, it was given to me almost a year ago. I know. You don't seem responsible to me at all. You really do not. I'm just calling as I see it, not as an insult. Or take it as an insult. I don't really care.

But, like, you just don't seem responsible in any way whatsoever. You keep saying, like, I will do this. I will, like... It's just do it already. It's been sitting there for a year and you haven't paid a dollar? Like, I don't know. There's no effort. It's no effort.

You haven't done anything. And you have to put $3,000 into it? It needs air conditioner. You started your checking account with negative $64. Right before the paycheck hit, yeah. That was, it only goes negative because of the spot me. But again, we spent $300 on going out to eat, but we allowed our checking account to start. negative 64.

Marshall, Starbucks, Amazon. What is this? Southern... $1,032. That's a deposit. For a while? That was a paycheck. Oh, my goodness.

Okay. I'm just reading everything negatively from this conversation. Venmoing out $40, Venwain out $25, Panera bread, Amazon, Starbucks, something Amazon but via Google. Waterburger,

IKEA. Amazon. Every dose, everyday dose, 60 bucks? It's a mushroom coffee subscription. Stop. Just get cheap coffee from the store. I thought it's supposed to be cheaper, right?

Cheaper per serving? I don't know. How much do you get for that? You can get a... 30-day supply? No, buddy. You get a big tub of that. Blue shit that tastes like...

And it's coffee. It'll do the coffee things and you'll get used to it after a couple weeks. But I get the match. I get the green tea macho. Yeah, I really, okay. It's not coffee. It's,

but I get what you're saying. Well, I can't speak as well about tea, but you still should be able to find a cheaper version. If it was coffee, I know for a fact. Going inside getting some BS, Chipotle, Amazon, what are your Amazon purchases?

Retail Rebel, I'll look at that in a second. Amazon Waterburger. Venet out $15. Amazon. Amazon. Amazon. Potentially going inside games of, you pull up your Amazon.

Yeah. You started screen recording as well What is that mean? I don't know how... Oh, is that interesting? Oh, what is that thing? Oh, you have one of those flippy things? Yeah.

Whoa. I just didn't have ever seen one in person. Okay, can I see? Yeah. It's okay. We might not be able to have screen recording. That's fine. I'll still go through.

Okay. You got a We're pregnant shirt? It was for a photo shoot. It says like... For who? We're pregnant, but mostly her. So it was going to be like me and the birth mom. Okay.

I don't think you need to do that because you don't have money. Let's put. put money towards a kid instead of that. Microfiber mop pads. It's a lot of pads. Plus more mop pads. Those are, those were, I got to pay it out for those. Those were, heart things. Oh, little heart things.

Sub. Lithium, battery, guy, thank you cards. Baby formula thing. When does this kid do? This fall. Okay. You got, you already got the little sippies. Bottles. or what is it?

I don't even know. I've spent very, very minimal on that. How are you going to be able to spend anything? You started your account negative. How are you going to be able to get a crib? I have all that. I have all that. I'm very thrifty sometimes.

It's one of the... Yeah, you also started an account with negative. I know. It's like, I don't know if it worked. As a full-time creator, I can tell you creating engaging videos takes a lot of time and effort. From scripting to editing, the whole process can be a headache. But that's where In Video AI comes in.

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and use my code Caleb Hammer 50 to get two times the number of video generation credits in your first month. I don't know if it shows on here. My spending, it's a lot of like marketplace, cheap items on marketplace, like thrift stores and stuff like that. But again, you started negative, so I can't even, but, so we can't even say it worked.

You had negative money in your checking account at the end of last month. I know, so we can't say it worked, 78 bucks in this, in cash app. And I don't know what a lot of it is, but Viva Vibe was one of the purchases bullshit. Zero dollars in savings. So we, a kid was zero dollars in savings. It's also just, I just don't know if we do that. But it's so hard for me to tell someone do not have a $26,000. I was in Robin Hood, so all right.

No, there should be like $100 in Robin Hood. Not at the time of the statement. Oh, and that's it. Okay. I was hoping to see any kind of retirement besides that. I know he said you drained it, but I was just hoping there was something left. No.

What are we going to do? Well, I don't... What are we going to do? I can help you budget. We might be able to stick to a budget. Well, let's see how your budget works out. And we can talk about career stuff because, you know, that depends.

So we need to get your budget. So minimum fee payments is, the time and the chase. This episode is brought to you by Ultima Replenisher. Health is all about balance, like a salad with fries. So why not have balance in your hydration? With six essential electrolytes and no junk, Ultima provides balanced hydration you can enjoy every day.

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So your minimum fee payments What's your rent? Or what's your Because you own the thing? Yeah, what's your lot rent? My lot rent, it's all bundled lot rent and utilities is usually between 650 and 800 Oh, okay

But that includes utilities. Sure. Internet? It's included. Okay, car insurance, grandpa takes care of it. But I'm taking over. When? Like this week.

How much? I've got a quote for, it's going to be 72, like 72 or 75 a month, but I'm bundling like the auto and like property. And how much? Like 72 a month. Really? Are you sure? Yeah.

I can pull up the quote. Okay. How much do you spend on gas? Obviously, probably not the best of my. 120 a month maybe. What's your service on there? How much does it cost? 90.

Do you still owe on that? Yes and no. I traded in. I traded in my phone. I got an $800 credit and I paid off the balance. Okay, so you do not owe on that. I don't owe, but if I left, I would owe because it's a trade in credit. I get $22 a month on it.

Well, it's like 36 months left. Yeah, 90 for the service. Okay. $300 for groceries. Obviously, it changes with the kid, but you'll figure that out. $100. T.P. Anything?

Medical health care co-pays, prescriptions, anything like that? I just recently got insurance, and I plan on going to see the therapist. I believe my co-pay is $10. Okay, so $40. We'll do weekly. Oh, medical, the chiropractor, it's $80 a month. It's kind of like a subscription program. And Jim?

I don't go, Jim. No subscriptions. Do you have any pets? Yeah. I've got... So I have three dogs, but I... You know how we said I have a big heart? I tend to take in...

Do you have, like, physically a big heart? No. You made a comment about the big heart because the whole thing with my ex's daughter. I tend to take in animals. Well, a lot. A lot. Yeah.

Okay, how much does this call? a month. It depends on the animal I take in. The last animal I put about $700 into before I rehomed her. So I mean, but I mean, I love animals. I would probably rather have that over a little infant. But like, you're choosing to do the infant. You might have to choose that. I know. I know. I will. How much you have to put aside for this on a monthly basis? Come on. I'm trying to get you a real bunch. I don't. 150. I don't know. Right now. I have five dogs in my house. So.

Kill me. How are you able to do that at one-fifth? I don't know. Okay, whatever. Yeah. We're over our budget by $300. Okay. Which, half of that $300 goes to the paths.

I'm not saying, like, you might have to surrender some to non-kill places. So that's not really enough. Like, okay, so I'm not, my three are my three. The other two, one of them belongs to a co-worker that she can't have it right now, but it's a situation I can't really talk about. And then the other one is my exes, but I'm just kind of helping with that as well until he's able to take that dog again. Is there any, is there any career trajectory at this job? Yes.

So I'm going to, so I've been with the company for a while. I'm in line to become an assistant manager, which is a salaried position. Great. You're in line to. Has it been offered? Yeah, it's done. Like, papers are signed. Oh, okay.

So what are you going to go to from 1850 an hour? So the salary is 54 annual. Okay. This gives us, here is an open opportunity. $4,500 a month that's called $4,000 after taxes. Okay. Maybe a little less. That is a...

There we go. You are in your... budget. Don't lifestyle inflate yourself. This is an opportunity of a fucking lifetime. You have no idea. If you do not lifestyle inflate yourself, follow this budget. Follow this budget to the T. Okay. There, I think there is actually a move here. With that, just do the minimum through payment on the chase, which I baked into your budget anyway, and the chase is gone in three months. Okay, chime, wipe that out. Okay. I want to stockpile cash aside until the kid comes, besides those two debts because the rest are just in collections.

And then there's the grandpa, but also just because the kid, stockpile as much as you can decide into a high-yield savings account. That's what I want you to do until the kid comes. Then you have kind of a beefy emergency fund. After that, we start paying towards our grandpa. And I think you should be able to pay that off in like six months or so. And then take care of the rest of your collections that were there in another six months. It's called a year by negotiating.

And okay, a year total. A year after you have the kid and then what you have in the emergency fund, figure out what it takes for you to live for six months from your budget, subtract that number, subtract what you already have, and then you know what you need to make the difference to get your full six month with emergency fund. Okay.

So there is a positive conclusion to this. I actually think after the kid is in your possession, you have about a year and then, you know, maybe a year and a half in total to get out of the debt and have a fully funded emergency fund. I think you could do that. I think you could do... Yeah, a year and a half. My big concern is, again, you hobby jump.

You put all this money into it. You haven't shown us a single indication of discipline. That's my fear. I think you could do this. The math suggests that you could do this and you just got a golden opportunity at work. The math suggests you could do this. Now it's actually dependent on your discipline,

your willingness to budget, your willingness to sacrifice. if you do not change your ways this income does nothing but potentially even hurt you because you're going to lifestyle inflate yourself this is a golden opportunity to restart the life that

you want to live you are being given golden tick you have no idea take it be disciplined and you can live such a good good this is this is this is positive heading into

uh headed into the post show good because I like to have a positive attitude to the post show So this is good. I thought it was going to end sad. Okay. This is good. This is good. You just have to be just one. So that's a year and a half with getting the car paid off to the repoed car.

Yeah. Okay. No, no, no. So what you're going to do is you're going to, because that's, that's been sold off to a collection agency, correct? Yeah. Well, the bank is still. The credit union. It's the bank.

The credit union. Okay. Then maybe not. Maybe this is a two-year total process after the kid. I thought it was sold off to a third party. If it was sold to the third party, I'd try to negotiate. you still might be able to be like, okay, I know you want this 9,800. It's not going to happen.

But guess what? I literally have $4,000 to my name. Let's call it there. Never give them access to your account. That's critical. They're going to say no and be like, okay, call them two weeks later. No, okay. Call them two weeks now.

You just keep doing that over and over again. I don't know if it's going to work for that bank itself. Usually collection agency that's where you can get some movement. But if not, you know, maybe eventually if you just keep trying and keep saying no, but the cash is starting to pile out to the point where you can just pay it off, then maybe just pay it off at that point. And I think that could take two years total because you're going to get a substantial raise. And I'm great that that's an assistant manager position.

They want to move you up. That means you could move into a full management, like GM or whatever it is position at some point. Like that's actually really good to hear. It's discipline now. It's discipline. Follow budget, meal prep, put in the sacrifice to live the life you want to live. Or you can ostrich yourself and you'll be nowhere. You're going to wake up.

You'll be 42, 52, 62, 62, and you'll have made no progress. This is the time. This is the time. Okay. All right. Since this is the more finance-driven, you know, obviously part of the conversation, we're going to dive into some more of the extra tea in the financial audit post show. Feel free to join in the description below.

Let's get your hammer financial score. Spendage budget, you're overspending, so zero out of ten. Sorry, that's how it works. You have collections, so zero out of ten for the debt. Emergency fund, there's nothing that. zero to ten it was zero dollars in your checking account retirement nothing there i don't owe real estate that's probably what got you the point five it's a depreciating asset i don't really like you don't really owe the land hardly anything i don't even know if i can give a score i'm going to give a two out of ten for it

no offense to that i would love you to own a home you said you want to own a home so yeah i would love for that to be a thing i want land i want somewhere where a kid can grow up and run around and yeah Well, we only round up for Hammer Financial scores unless I hate you, so I will round up. Hammer Financial Score 0.5 out of 10. Make sure to check out all the resources linked in the description below is there what I use or would use in specific situations, including the best budgeting and investing programs in the history of the Internet, which are now bundled at a lower price, including $100 that you get towards your Moomu account and gifted by us for taking advantage of that program.

Now, stick around for the post show. Today on the Financial Audit Post Show. I threw it all away. He broke up with me two weeks after my birthday. He has nothing to do so broke that. Seeing how hurt he was killed me. See, I do the opposite with Noah. What he doesn't know is I have divorced his employment contract.

He's actually been fired for two months and he hasn't been getting paid, but he still shows up and does everything. That's true. It's because I'm stealing from Caleb and embezzling a lot of money. To watch the financial audit post show, click the join button below.