$388,000 Of Debt To Storm The Capitol | Financial Audit

Summary

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Financial Audit Podcast Episode Summary

Episode Overview

Episode Title: $388,000 Of Debt To Storm The Capitol | Financial Audit
Host: Caleb Hammer
Guest: Pam, 56, from Hudson, Florida
Release Date: May 4, 2026

This episode of "Financial Audit" features Pam, a 56-year-old project manager from Florida, who opens up about her shocking $388,000 debt. The episode delves into how political disillusionment, medical stress, an impulsive “YOLO” (You Only Live Once) mindset, and decades of loose financial habits culminated in massive debt and a shaky financial future. Caleb maintains his signature blunt, irreverent style, pulling no punches as he holds Pam accountable, unpacks her debt spiral, and delivers hard truths about entitlement and financial planning.

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Major Discussion Points & Insights

1. Politics as a Backdrop—The "January 6th" Debt

• Pam’s Radicalization: Pam claims her spiral into debt began as she became radicalized by the 2020 election aftermath and her involvement as a poll worker, witnessing what she perceived as voter fraud ([02:05–08:23]).
• Psychological Toll: Pam ties her financial decisions and YOLO behavior to the stress and nihilism from her political disillusionment, believing "none of it matters" anymore:

  “It doesn't matter what you vote for, doesn't matter who's in the...” — Pam [27:19]

• Caleb's Pushback: Caleb dismisses her claims as excuses and demands a clearer link between political discontent and personal financial irresponsibility:

  "I don't know what the f*** that has to do with anything." — Caleb [09:53]

• Entitlement Argument: The host repeatedly challenges Pam’s sense of entitlement and victimhood, linking her mindset to her fiscal problems.

2. Pam’s Life Story & Financial Trajectory

• Moving & Real Estate:
  • Pam left Massachusetts, selling a beach cottage for a Florida home, seeking a "saner," more politically aligned place to live ([10:07–15:38]).
  • She bought a house needing massive renovations and refinanced for cash, not fully grasping the implications ([19:00–19:48]).
• Career & Work History:
  • Pam is a project manager with a long, stable work record, earning just over $100K/year, but expresses deep job dissatisfaction and stress ([22:40–23:42]).
  • She describes herself as hardworking her whole life, but admits to financial ignorance:

    "I never pay attention to that... The money always comes." — Pam [34:10, 34:21]

• Medical Stress & YOLO Attitude:
  • Diagnosis of an aortic aneurysm triggered anxiety, leading her to prioritize “living now,” indulge in expensive concerts, and abandon budgeting ([24:31, 31:32]).
  • She justifies spending $20,000 in a single year on concerts and travel ([60:13–61:07]).

3. Blunt Financial Reality

• Retirement Savings:

  • At 56, Pam has only $75,000 in retirement savings, far below what’s needed ([33:58–34:10]). Caleb calls out her denial:

    "You can't say the money was there. You're putting it all in debt, you moron." — Caleb [34:42]

• Debt Breakdown:

  • Pam’s total debt: $388,022 ($275K mortgage, over $100K in other debts including credit cards, a car loan, student loans, and a 401k loan) ([87:06–87:15]).
  • Poor refinancing moves: She refinanced her mortgage from 3% to 6% to access cash for discretionary spending ([56:13–56:54]).
  • Sky-high interest rates: Debt consolidation loan at 12.6%, credit cards near 30% ([65:54, 75:01]).

• Monthly Cashflow:

  • Makes over $7,100/month but debt payments and spending leave her with little or no wiggle room ([53:17–53:46], [91:22]).
  • Host points out her entire lifestyle is supported by relentless new borrowing, not income.

4. Personal Responsibility & Generational Themes

• Entitlement and Victimhood:

  • Caleb attacks Pam for believing she “deserves” a year off or luxuries unseen by most:

    "No one deserves to take a year off of work.” — Caleb [21:23] "You're not a victim. You pathetic worm." — Caleb [53:06]

• Generational Frustration:

  • Discussions around Boomer/Gen X attitudes versus young generations, retirement, and victimhood ([41:13–41:33]).
  • Pam repeatedly claims the "money always comes," which Caleb skewers as delusional optimism rooted in decades of privilege.

• Family Impact:

  • Pam’s laissez-faire attitude threatens to burden her adult children with her bad decisions ([53:49–53:56]).
  • She admits to buying a car for her daughter and is about to confront her for repayment in the post-show ([90:07]).

5. Mindset & Behavioral Patterns

• Extreme Avoidance:
  • Pam admits to not tracking her balances, goals, or loan terms, and defaulting nearly all financial decisions to “advisors” or friends ([54:28–55:14]).
• Shock Value:
  • Surreal anecdotes: Dropping out of grad school because of a classmate masturbating ([43:00–45:02]).
• Addictive Spending:
  • Multiple unused subscriptions, compulsive online shopping, impulse buys, cruises, and festival travel ([71:08–71:53]).

6. Analysis, Advice, and Tough Love

• Caleb’s Recommendations:
  • Advocates for bankruptcy given Pam’s age and debt-to-income ratio, but only if her behavior changes ([92:48–93:32]).
  • Insists budgeting, no more borrowing, and brutal honesty about her spending habits is non-negotiable to avoid becoming a retirement “sob story” ([37:23, 61:07]).
• Pam’s Admission:
  • Ultimately admits her “the money always comes” worldview is collapsing under mounting bills ([84:39]).

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Notable Quotes & Memorable Moments

• On Political Discontent:

  “So my insurrection, my radicalization started during that.” — Pam [01:05]

• On Excuses:

  “I don't know how the f*** is you not going there, leading to you being in debt. I'm so confused.” — Caleb [04:15]

• On Retirement Readiness:

  “Do you think you're ever gonna retire? ... You could be a multi, multi millionaire. ... But you decided not to do anything and you could be a multi, multi millionaire with what the income you have had throughout your life?” — Caleb [36:08–37:23]

• On Debt and YOLO Spending:

  “So you cash out, refinance your house… To go to concerts?” — Caleb [56:13–56:54]

  “About $20,000.” — Pam, on concert expenses [60:16]

  “Oh, 20,000 on concerts in a year when you have 75 in retirement at 60? Almost. Oh, you moron.” — Caleb [60:27–61:07]

• On Lifetime Financial Denial:

  “The money always comes.” — Pam [34:21] (repeated theme)

• On Her Children & Family Support:

  “You're doing the classic selfish parent thing. Up your entire life last year. Now they're gonna have to bail you out when you're too old and you get laid off.” — Caleb [53:49–53:56]

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Key Timestamps of Important Segments

• [02:05–09:00] Political radicalization & poll working—setting up financial spiral.
• [19:00–21:23] Home purchase, entitlement, and discussion about “deserving” a year off.
• [24:31–31:32] Health crisis leading to impulsive spending—the root of “YOLO 2025.”
• [33:58–34:10] Retirement savings shock.
• [41:13–42:26] Generational blame, victimhood mentality, and escalating student loan discourse.
• [56:13–56:54] Refinancing for concert money; misunderstanding of mortgages.
• [60:13–61:07] $20K concert spend—Caleb’s outrage at priorities.
• [65:54–75:01] Breaking down high interest debt, consolidations, and maxed-out credit cards.
• [87:06–87:15] $388,022 total debt accounting.
• [92:48–93:32] Host recommends bankruptcy as only viable path—if behavior changes.

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Tone & Engagement

• Host’s Tone: Sarcastic, confrontational, irreverent, uncompromising—directly challenges and ridicules guest’s rationalizations.
• Pam's Demeanor: Defensive, self-justifying, somewhat self-aware but in persistent denial about long-term consequences.
• Memorable Chemistry: The push-pull of host’s cynicism and guest’s optimism makes for both cringe-worthy and darkly comic moments, especially surrounding generational divides and “YOLO” behaviors.

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Summary/Takeaway

Pam’s case is a cautionary tale of how unchecked entitlement, emotional decision-making, and “coasting” on privilege can lead to devastating financial consequences—even for high earners. Political and personal trauma, left unprocessed and unmanaged, turned into an excuse for reckless spending and willful ignorance. Caleb’s unapologetic style serves as a wake-up call, illustrating the importance of radical accountability, proactive budgeting, and the dangers of putting off reality until the bills stack up.

Pam’s Hammer Financial Score: 2.5/10 (“not where you should be at 56”)

Host’s Final Word:
If Pam can’t break her cycle, even bankruptcy is a stopgap, not a solution:

"If you can change your behavior and live on a budget within a few months, then I'll allow you to go through bankruptcy... This is insane." — Caleb [92:48–93:32]

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For listeners, this episode is an entertaining but sobering masterclass in why “the money always comes” is not a retirement strategy, and why the harsh realities of math always catch up.

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Transcript

[A]

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[A]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I'm in debt because I didn't attend January 6th. Well, what the do you mean?

[B]

So my insurrection, my radicalization started during that.

[A]

What the. You said you deserved a year off

[B]

after grinding for four years. I deserve this.

[A]

A year to yourself? What entitlement is this? What bullshit entitlement? You. You don't deserve anything.

[B]

Well blm, I was gonna donate to okay now and then I educated myself.

[A]

Oh, how do you think George Floyd died?

[B]

That's the wrong hero to have.

[A]

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[B]

Hi, I'm Pam. I'm 56 years old.

[A]

Damn, I'm sorry.

[B]

From Hudson, Florida. And this is Financial Audit.

[A]

Pam, I was actually laughing reading the top of the document for this episode. For the first time in this channel's history, I was in my office laughing.

[B]

Oh no.

[A]

Because you telling Lindsay, if it's your aesthetic, I'm in debt because I didn't attend January 6th. What the are we talking of? What the do you mean?

[B]

That's how kind of all this started brewing.

[A]

And I only wish that my friend Mike Pence had that additional courage. January 6th.

[B]

So my insurrection, my radicalization started during that time.

[A]

Okay. And you're in debt because of that.

[B]

I was supposed to be there and I did not attend because I had previously agreed to go to Marco island with some friends that I vacation with every year in January. We usually go to Puerto Rico, but we went to Marco island.

[A]

Do you have FOMO of Jan.6?

[B]

Well, I was kind of following along because we had a rainy day on January 6th down in Florida. And here's my friends all sending me videos of what's going on January 6th. And I'm watching the news and it's all hell breaking loose. And here's my friends singing and everything's peaceful and sweet. And now I'm seeing like there's all kinds of violence going on. So now other people are messaging saying what's going on there. So how is it that half the crowd didn't know that there was an insurrection happening?

[A]

I wasn't there. I don't know. I didn't participate myself.

[B]

Kind of wild.

[A]

I don't know. It was a big political moment. I'm sure there are people there that had no idea what was going on. I'm sure if I was there, I wouldn't be participating in any violent things.

[B]

Exactly.

[A]

But there were some people that were,

[B]

that were as well. Absolutely. Caught on duty.

[A]

I don't know how the is you not going there, leading to you being in debt. I'm so confused. That makes no sense. Make that make sense to me.

[B]

I know.

[A]

Okay, so you didn't throw a chair through a window. Now you're in debt?

[B]

No, absolutely not. But. Well, so that's like 2021 that happened. Right. Because it was after the 2020 election.

[A]

Are you saying cuz Trump wasn't still in office? You're missing your mortgage payment? He's in office now.

[B]

Oh, yeah, yeah. But at that point now personally, I was a poll worker during the 2020 election as well in Tampa, Florida. And they were also saying there's no fraud in the elections. There's no fraud in the elections. I also witnessed that. Not kidding.

[A]

Okay. And you're missing a mortgage payment because of that.

[B]

Well, so this started the whole like radicalization process where I'm just like.

[A]

Of who? Of you.

[B]

None of this. Yes.

[A]

Oh, tell me. Okay, sure.

[B]

The world is Cuckoo. At this point, I'm seeing the world

[A]

has probably always been cuckoo. Humans are, I assume. Okay, so you got radicalized. I don't really like radicals. I'll be honest.

[B]

I just figured that could have been. Easily been me. And actually, what could have been?

[A]

Voting illegally?

[B]

No. Going into the Capitol during that time, not voting illegally, but watching illegal votes being made.

[A]

Okay. You saw illegal votes being made?

[B]

Yes.

[A]

Did you volunteer at the poll work? Isn't that like, kind of what you're supposed to be like, oh, sorry, you don't have the right ID or something?

[B]

Right. Yeah. And I was.

[A]

Why'd. You were. Why were you letting it happen then?

[B]

I wasn't. I was rejecting too many voters. So they took me off the poll pad. It's gone.

[A]

Were you correctly rejecting voters?

[B]

Yes. They all had the same birthday. Like a whole group of people come in, and they all have a January 1, same year, birth date. The address will come up, and it's not even a home.

[A]

You just have to take your word that that happened.

[B]

Yeah, but.

[A]

Okay, so what happened on that?

[B]

Well, there were several things that were happening. So they put me in where the ballots just get put in. They didn't want me on the poll pad anymore because I was rejecting too many voters.

[A]

I mean, without me seeing it, I. I can't. Like, I. I can't believe or even not believe. It's like it's air. It's just words. Like it's. It's nothing. Like what? What?

[B]

Okay, well, for example, a minor came in. She's 17 years old. She knows damn well she can't vote. So I said, maybe she.

[A]

I don't know.

[B]

I don't know. She looked smart.

[A]

Did she think she could vote?

[B]

I don't know. Maybe. But I told her, no, you can't, because you're a minor. You have to be 18.

[A]

Yeah.

[B]

And they told her to go walk to the other end and they handed her a ballot. So you know what's going on with it. So as a registered independent, they let me be a poll worker. What I found out afterwards was that they didn't have any Republican poll workers there. They just had Democrat and independent. So that's how I got in, I guess. I was a Democrat in Massachusetts. I had voted that way all along.

[A]

Where is this going?

[B]

It's going to my kind of meltdown. Financial meltdown, I would call it.

[A]

Okay, so Trump didn't win in 2020.

[B]

Right.

[A]

Which came back in 2024 was crazy.

[B]

Yeah.

[A]

Okay. I mean, an election's an election.

[B]

Whatever right, yeah. 81 million votes for Biden. Yeah.

[A]

Was that the number? I wasn't tracking personally?

[B]

Yeah. Well, I also did work for Look Ahead America and looked at voter rolls as well.

[A]

America, do we. What? Okay.

[B]

We were tracking people voting in multiple states. So to say that there was no fraud and to say it's incidental, if I'm finding it and I'm a nobody, then other people must see it.

[A]

I don't know what to say about that. Again, I don't know. You're not seeing anything. If you give me, like, a policy. Usually people like that. So it seems like you're. You're on the extreme right. Okay. Usually people on the extreme left on this show, they give me, like, a political position that I can shit on. You don't even give me one.

[B]

You're just, like, saying, I'm not extreme. You're like, I'm not extreme.

[A]

I don't know. You called yourself radical. That is extreme. Well, like, I'm using your own words

[B]

from, like, crazy liberal thinking that, you know, Trump is a psycho and a douche canoe. We used to call him. And roller derby.

[A]

Everyone on the right hates Biden. Everyone on the left hates Trump. I don't know. This is what they all do. This is what. That's ideology.

[B]

I hate them both.

[A]

Oh, okay.

[B]

Yeah, Okay.

[A]

I mean. I mean, the only position you gave me is you saw people illegally voting. Like, I can't.

[B]

Yeah.

[A]

So deny or say I agree. Like, I don't know. I wasn't there. You're just saying something.

[B]

So nobody's there to protect us. Right. Your vote kind of doesn't matter at this point.

[A]

I'm confused. I do not understand what that has to do with being late or something or more. I don't even know finances. Okay, so you were radical in one direction, and you moved radical in the other direction. It tends to happen. I mean, trust me. Like, super left. Bernie Bros Went super right as well. Like that 10 people that fall for populism. Many people are very populous. They tend to just go populism on any direction. I don't know. It's like, I just try to stay as much as I can in the middle. I'll take positions on the right and left, just depending where facts are. But you definitely seem like you just go from radical to radical. I don't know. But regardless, I have no idea what the that has to do with any thing.

[B]

I'm from Massachusetts. My world is completely different. I was sitting on a pile of money. I ended up buying. I Said, you know what? Florida. I'm gonna stay here. I had been dating somebody up north and we were. But when I moved to Florida together.

[A]

Okay.

[B]

We split.

[A]

I hear Florida's nice.

[B]

It's very nice.

[A]

Okay.

[B]

And I said I fell in love with Florida. Anyway, so that was in 2019.

[A]

Nice and red for you.

[B]

This is. Everyone's super nice and friendly.

[A]

Well, Florida is nice and red for you. Yeah, it's very Republican now.

[B]

Everybody's nice and friendly, though.

[A]

Oh, okay. Well, I was just.

[B]

I'm not getting like whistles in my ear for having a different opinion.

[A]

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[B]

They would. Yes, absolutely. There's so much of that going on. Nobody can whistles speak or. Yes.

[A]

Okay. Austin is incredibly blue. One of the blue cities in America. I have not got whistled that well

[B]

because you're not out there with, you know, like a Trump shirt on or you're right on that or whatever. Yeah, I don't really advocate for either, because. Yeah, but if you did just sound economics and some weirdo with a whistle would come up and blow it in your ear.

[A]

Okay, so you were in big protests. Protests versus protests.

[B]

Yes.

[A]

So you got involved in the crazy shit.

[B]

Yes, a little bit.

[A]

Well, I'm not surprised that gets heated when two political factions go at it on the street.

[B]

Absolutely. But one can debate and one cannot.

[A]

Okay.

[B]

One has Some facts, and one does

[A]

not also just depends on what general facts we agree with. I don't know. I took a political compass test the other day. I lean left socially and I lean right economically. It's like, sure, but where can you say just like facts are like, who even knows that is what. Can you back up with anything? Oh my gosh, you're gonna suck. Okay, sure. What's an indisputable fact?

[B]

Indisputable?

[A]

Yeah, suck me down this rabbit hole.

[B]

Indisputable fact. 17 year old got to vote in our election.

[A]

Okay, that's not an undisputable fact because like I might believe it happened but. But you can't say it's an undisputed fact. Just something that only you saw. It's like. Cause you can't show someone that, right? This isn't a scientific report that we can be like, this is an undisputable fact.

[B]

But I tell the truth. I don't need to lie about anything.

[A]

We just have to believe that. I guess I met you. Okay, we've been filming for 13 minutes, 37 seconds. So I met you 20 minutes ago. Okay.

[B]

I actually saw so much stuff that day.

[A]

Okay.

[B]

I had a notarized statement that I turned in to the election committee. I was that upset.

[A]

And what am I supposed to do

[B]

with that is going on? So just think about it.

[A]

Okay.

[B]

You see all this going down and maybe others too.

[A]

But honestly I'm not. I don't really. I'm not in that world. That's not one of my big things to.

[B]

Yeah, so this is my perspective. I go in there thinking that, you know, everything is lovely, we have our rights and you know, that's why I volunteered to be a poll worker. I get paid to do it regardless from my job.

[A]

Okay, well, states run the elections. Get Florida to make it more strict. I don't know.

[B]

Yeah, and the way they make it more strict is to have id, but when you're id, they take you off the pole pad so that somebody will

[A]

do more advocacy in Florida. I don't know. Florida's not a left state by any means. I'm pretty sure they have a complete ownership on all branches of government in Florida. Right.

[B]

If I'm not mistaken, not Tampa or Orlando, doesn't matter.

[A]

It's state election laws, right?

[B]

Yeah, but it depends on who gives you the ballot.

[A]

And this led to you being with a shit ton of debt. Someone voted illegally.

[B]

Absolutely. Well, think about it. I'm in there. Everything is lovely. I believe that our government is working for Us, they're not. Nobody cares. It's done, Right?

[A]

Sure. Okay.

[B]

Yeah, yeah. So I moved to Florida. Everything's great.

[A]

Okay, so it was in Massachusetts where that was happening?

[B]

No, that was all in Florida.

[A]

Then why'd you say so I moved to Florida. Okay.

[B]

Yeah.

[A]

Sequences.

[B]

We're in Florida now. Yes.

[A]

Okay.

[B]

Still in Florida.

[A]

Still in Florida now. Okay.

[B]

And what I got from my little beach cottage in Massachusetts, I bought a dang.

[A]

You gave up a beast. Beach cottage in Massachusetts, that's like dreams and goals, though, right?

[B]

But I'm not northeast suburbs. I don't have Boomer Wells.

[A]

Well, you are Boomer, that's for sure.

[B]

Yeah, I'm close. I think. I don't know.

[A]

Oh, you're Boomer. What?

[B]

I'm Gen X.

[A]

Okay. Okay, Boomer. Okay. We want to go to red state. We want to leave blue state. Go to red state. Okay. That.

[B]

Yeah. Where it's what I think more sanity, especially with all the COVID stuff that was going on.

[A]

There you go.

[B]

Lovely.

[A]

Very good. Okay, sure. So that's why you're in Florida. Okay, so it's not because. So what are you saying? That you could have overturned the election if you were there on January 6th and that would have stopped all the COVID issues?

[B]

No, but I could have been in a prison, in a Gulag somewhere or wherever they're putting people.

[A]

So you wouldn't be in debt because you're in. You would be in a gulag.

[B]

Well, partially. Right. I'd be done for.

[A]

Okay. Okay, very good. So you moved to Florida to get a little taste of red. Now you're red. Very good. Okay. So you went from extreme left to extreme right. You are not independent. You are not independent. You are not independent. I'm independent. When people like you say independent, it ruins people who actually are. You're not independent.

[B]

I just own your shit.

[A]

It's okay. You'll listen to everyone. But you're clearly. You already have your worldviews, dude. Own it. I don't care if someone's left or right, but own it. Don't say you're independent.

[B]

Absolutely independent, bro. I could. I do not like what Trump's doing right now at all.

[A]

What. What don't you like about.

[B]

Because I don't know enough about it. Right. Like Iran with the war and stuff.

[A]

Like which part?

[B]

Because he said.

[A]

But is it because of America first or is it because.

[B]

Yeah, like.

[A]

Well, there you go. That's usually a more right leaning, populist perspective.

[B]

Yeah. Because we should take our people here.

[A]

Well, there you go, that's usually that position on the anti. Iran comes from the right populace, like Fuentes and stuff. Okay, very good. So, I mean, that's not screaming centrist to me. What else do you disagree with? Centrist?

[B]

A lot of things. I'm socially liberal as well. What. In some ways we should be able to help out people. This country has so much money, we're just printing it for some reason.

[A]

Well, I mean, 15% of it goes to health and taking care of people.

[B]

I can't print my own money.

[A]

Well, yeah, that wouldn't be very good.

[B]

What am I paying taxes for?

[A]

Huh?

[B]

What am I paying taxes for?

[A]

50%, again, to health and taking care of people. I mean, even though I'm sure there's lots of fraud and a lot of bullshit. But. Okay, so you disagree with lots of it. But you say I disagree with Trump when you say that, you just mean Iran, which has split the right.

[B]

Well, it's just that all the things that he campaigned on doesn't seem to be coming to fruition.

[A]

But usually those people that say that from the right wing perspective is because not enough deportations. So they're upset with that. From the Trump administration, The war in Iran, because it's not American first. America first. What else? You're not centrist, lady. Let's just be honest. You're not centrist. You come from the right. The right perspective. The right wing perspective, but own it. I don't give a. On it, though. Not say you're centrist. You're not centrist. You said your only liberal belief is you're okay having a little bit of welfare. Every. Every modern economy believes that. Everyone believes that. Okay, that's it.

[B]

All right. So you wanted to know how this all ended up happening, right?

[A]

Yes, please. Yeah, take me there.

[B]

So I'm. It's now 20, 21. Bought my house, which. Okay, here's a liberal thing. I bought a swinger's house.

[A]

People like the fuck, believe it or not, regardless of political ideology.

[B]

Yeah.

[A]

Just gonna let you know. But okay. Yeah. Very, very left of you.

[B]

I had to invest some of the money from the sale of my house into this house. So I wasn't.

[A]

It's usually how it works. From selling a house and buying a house.

[B]

Yeah. So it hadn't been updated since 93.

[A]

Oh, for sake. Why did you buy a house that would require that much work to bring it up to date? Three decades.

[B]

Fell in love with it.

[A]

Why?

[B]

Because it looked like a house that a Florida person would come out of in a pastel Suit and a Ferrari in.

[A]

So it looks like a house built in Florida.

[B]

Yes.

[A]

I feel like there's probably more of them.

[B]

Yes, the whole neighborhood looks like that. Oh, and it had a pool.

[A]

Oh, that's very rare for Florida after

[B]

grinding for 40 years.

[A]

Yes, yes, yes.

[B]

I deserve this grinding.

[A]

Doing what? No such thing as deserved, by the way.

[B]

You absolutely deserve it.

[A]

Okay.

[B]

I was cleaning.

[A]

Oh, there is an entitled more left position of you. You deserve you. No, you don't. Work and get. Work and get. Or don't. It's up to you what you do with your life. Yeah, go ahead.

[B]

So I'm like 16 years old, counting pills in a pharmacy and giving out medications to people. It was legal in 1986.

[A]

What trauma? Okay.

[B]

I'm cleaning hotels. I'm talking about like people that don't have to do these things now who are having their parents taking care of them. Like me. I was working this whole time and now I'm seeing like it doesn't matter where my taxes go. Cleaning dirty hotel beds in a hotel, having to wait for.

[A]

No one likes paying taxes. I don't know. What are you saying right now?

[B]

Yes.

[A]

Congratulations. You did what everyone does.

[B]

Yeah.

[A]

Okay.

[B]

So after 40 years of doing that. Yeah, I'm done. I want to have a year to myself.

[A]

A year to yourself? What entitlement is this? What bullshit entitlement. You. Until modern civilization, people just worked and died on the field. I don't give a.

[B]

You.

[A]

You don't deserve anything.

[B]

I absolutely do.

[A]

No, you absolutely don't. No one deserves anything. I don't deserve anything. If I work hard, if I'm strategic with my money, I can afford reap what I sow. No one deserves. I'm sorry. The only things I would be okay with deserve is like, yeah, maybe basic, like minimum food and we got that, you know, just like making sure people survive. Okay, I'm good with that part. Sounds like you are too. But deserve you. You don't. Des. No one deserves to take a year off of work.

[B]

No, I worked during the whole thing. I worked during my.

[A]

Sounds like you didn't take the year off. Yolk.

[B]

20, 25.

[A]

Okay. Uh huh. The house looks like a normal ass house. I don't know. I just pulled it up on Zillow,

[B]

so It's very special. No, it was special to me and that's why I bought it.

[A]

No.

[B]

Yeah. Changed the pool to salt water.

[A]

Whoa.

[B]

Yeah. Painted inside. Had to get rid of that carpet. Whoa. Know what was in that carpet? Had to get all the mirrors off the walls.

[A]

Wow. Fully mirrored hero. The trauma you've been through in your boomer life.

[B]

So there goes. We're going to learn you today.

[A]

Yeah. Learn me something. You learned me that you did. Pill separation. I definitely bet the person who gives me my monthly medication doesn't do that.

[B]

Probably not, cuz it's illegal now.

[A]

What? To count pills.

[B]

Count pills? Yeah.

[A]

Oh, minors. Yeah. But when you were making money when you were young. Okay. I don't, I don't know. I was a. I, I want to

[B]

say can shake here is all like this shit going on where obviously we don't have a government that gives a shit about us.

[A]

Oh my gosh.

[B]

So I'm like. So why is. I'm now I'm getting stressed because of work.

[A]

Yeah. What do you. What's your job? Stressed out.

[B]

Yeah.

[A]

Huh.

[B]

Yeah. So I said, you know, I got.

[A]

What's your job?

[B]

I'm a project manager for energy management.

[A]

You're stressed out being a project manager? Something AI can basically do for you. But off. How are you stressed being a project manager?

[B]

It was the situations that I was in.

[A]

Yeah.

[B]

Within this company.

[A]

Let me guess. The project became complicated.

[B]

No, I could handle complicated.

[A]

The people became complicated.

[B]

Yes.

[A]

Oh, that never happens in social workplaces, environments at all with humans. Complicated creatures drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinan private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you Need a co borrower release from your loan. They've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefi.com hammer that is yrefy.com hammer or call 888 Y Refi 78 that break free from the high interest trap and get your finances under control once and for all.

[B]

But here I am, like 40 years of grinding. I get some medical bad news.

[A]

Cancer.

[B]

And I was. I actually have an aneurysm in one of my aortas, but it was due to stress, so.

[A]

Okay. Is it still there?

[B]

Yes.

[A]

Okay. What do you do about it?

[B]

Yeah, well, the first doctor basically was just telling me that there's nothing I can do about it and I'm just gonna have to deal with it and it'll burst.

[A]

Okay.

[B]

We're gonna monitor it.

[A]

When it does, what happens?

[B]

You die.

[A]

Oh, that's not good, right?

[B]

Yeah.

[A]

So refuse to do anything stressed. You take like a medication or something like. I don't know.

[B]

Yeah. So I did all the things. I lost the weight. I went down to 135. I was in my goal weight all before this financial meltdown happened. Financial meltdown right in YOLO TW.

[A]

Ah. Yep. The year of January 6th.

[B]

Yeah. Well, that's the basis of this. Oh, it's because I was happy, happy, happy. That happened.

[A]

You were happy until January 6th happened, and then you were angry, which led you to be in stress and getting an aneurysm.

[B]

It's related.

[A]

Okay, so Trump was president, 2016. He won. Trump lost. January 6th happened. That upset you. You got stressed and fat. You had an aneurysm. That's the sequence of events. Did I finally get it 28 minutes in? Because that kind of answers that I guess, actually. So is that what happened?

[B]

No, I'm stressed. Stressed stressed just with what's going on in the world. Just knowing that this.

[A]

Okay, then the world is not for you. It's time to disconnect then. Disconnect? Disconnect? Yeah, disconnect. It's not for everyone. If you can't handle the news, don't listen to it and your life won't change. Like the world won't change around you, but your life will be improved. Some people, I like to be informed as much as I can, but it doesn't stress me out, so I'm okay. But if it's stressing you're not to the point of death, disconnect, nothing will change.

[B]

That was a different kind of stress.

[A]

What happens if you're not as invested? The world doesn't get better or worse. So just stop. You're dying.

[B]

Well, this was my mindset, okay. I'm just laying the foundation of the mindset of where I was when YOLO 2025 had to begin.

[A]

Okay, so YOLO 2025, right. Okay. Third time I've heard it. That must mean it means something.

[B]

Well, it's just when this meltdown happened, it kind of started in 2024. So here I am, like working, working, realizing.

[A]

So YOLO 25 started in 24.

[B]

It's all bullshit. Yeah, a little bit.

[A]

It's all bullshit. What do you mean it's all bullshit? Let's define that worldview. If that was. That's what defines all of your finances.

[B]

It doesn't matter what you vote for, doesn't matter who's in the.

[A]

In who's president objectively wrong. Doesn't really matter. With national debt, you're correct on that. But social policies and a lot of different things. Foreign policy, absolutely, it matters. What are you talking about? We definitely.

[B]

What, what, what has changed?

[A]

What, what has changed in terms of foreign policy specifically?

[B]

No, I'm just saying my day to day life.

[A]

Biden, I don't think would have done anything with Iran, good or bad.

[B]

You know, he doesn't even know what planet he was on.

[A]

Sure, okay, but listen, like Trump went in, he was much more against, you know, Iran getting a nuclear missile. You can agree or disagree with the war, but like I don't think Biden would have done that. Okay, very good by. Well, Trump ripped up the Iranian nuclear deal. You can agree or disagree with the deal, doesn't matter. Biden wouldn't have done that. Trump didn't his. There are different things that happen. Okay. We're much more ru. Ukraine against Russia during the Biden administration. A lot more money going over there. Things are different, you know.

[B]

Yeah. Just whose pocket the money is going into.

[A]

No, no. I mean even just the relationship with NATO is different. The trade tensions and trade policies and even just the conversations around Greenland, it's different. It's different per administration. You can't say nothing matters.

[B]

It doesn't matter in my day to day life.

[A]

Well, okay, that's the point. That's relatively true now. Now the tax cuts would have expired. Your taxes would have actually gone up a little. So it actually does kind of matter. So you can't actually say that, but. Okay. Closer to true than not.

[B]

Right? So the. So I'll give you that one thing that I did notice that changed, though, was the interest rate on my student loan.

[A]

Okay, well, that's the Federal Reserve lady.

[B]

Yeah, well, the Federal Reserve under Biden, I got an 8% student loan.

[A]

Dude, that was Jerome Powell, who was put there by Trump in his first term.

[B]

He's terrible at his job.

[A]

Okay, but that wasn't Biden.

[B]

It was during his.

[A]

I'm not sucking Biden's dick. It doesn't matter. The Federal Reserve is independent of the president.

[B]

All right? And that's why we can't get good interest rates now.

[A]

Yes. Why was interest rates high? Because inflation was high. No one likes high interest rates. But what's worse is high inflation. High inflation's worse than high employment.

[B]

Unemployment. That's why I am where I am now.

[A]

What? After all that, all that rambling, you're like, that's it. That's it. You're sitting on money right now.

[B]

I was sitting on money.

[A]

I was. Okay.

[B]

Yes. And now I find out about this thing. I feel my mortality.

[A]

What thing? What thing?

[B]

The aneurysm.

[A]

Okay?

[B]

And this doctor's very negative about the whole thing and basically telling me there's nothing that they can do.

[A]

Did you get an opinion?

[B]

I absolutely did.

[A]

Good.

[B]

That guy said, I need more salt in my diet. We could monitor this a little more aggressively. And I will have to go for a surgery, but it is possible.

[A]

There you go.

[B]

So great. But I'm hearing this over a year later. Okay.

[A]

Should have gotten a second opinion a little quicker, but.

[B]

Absolutely, absolutely. But to get a.

[A]

Does everyone know that?

[B]

But to get a heart doctor in Florida.

[A]

Yeah. Isn't that where everyone's dying?

[B]

Isn't that perfect for heart doctors? And they cram up the doctor's office.

[A]

Oh, what did you think? The supply and demand. Okay.

[B]

Yeah.

[A]

Okay.

[B]

We don't have enough doctors down there. I guess.

[A]

I guess. Maybe your insurance doesn't allow. Okay, yeah, maybe you don't have great insurance. I don't know.

[B]

My insurance is good. Yeah. So anyway, I'm feeling my mortality. 2024 did start, and I went to a concert, and I hadn't gone in 10 years. And I'm like, you know what? Screw it. I'm gonna go to a show.

[A]

Kid Rock.

[B]

I'm gonna. Oh, God, no.

[A]

Okay. It was a joke.

[B]

Although it was falling in reverse. And I did. I wanted to go VIP, right? It was wonderful.

[A]

Yeah. $20.

[B]

And it felt great. I felt great. You'll be. I felt great. All of this bullshit. All of that crap.

[A]

Oh, my goodness. Yeah. Surround yourself with negativity all day. It's weird when you actually do something nice that it's.

[B]

Yes.

[A]

Your brain is happy.

[B]

Yes.

[A]

Okay.

[B]

Yeah. So there was all this bullshit going on in the world, in my life, in everything medically, Feeling my mortality. Yeah. I'm gonna enjoy myself.

[A]

Okay, so you spent a few hundred bucks on a concert ticket. That's why our finances are.

[B]

Well, I flew to Raleigh, North Carolina, for this show.

[A]

Oh, no.

[B]

And I got the VIP meet and greet.

[A]

Oh, no.

[B]

And because I had to show Ronnie Radke my shirt anyway. Paid extra for that. And then I decide, you know what? I'm just gonna go to all the shows I can. The money always comes. That's the thing. The money has always come.

[A]

Not for your Boomerass. Good luck getting employed again if you get laid off.

[B]

Well, that's the problem, right? And I've been at my job for 16 years, and I'm realizing that, too. These companies don't care about you grinding for all this time.

[A]

In what way? Depends how you define care.

[B]

They. You can get let go in a heartbeat.

[A]

Yes. That's not. Not care. I care about the people working here. But if there is a budget crisis or if someone sucks at their job, that's not not caring about them.

[B]

They won't do anything. Like, nobody's gonna come and say, let us help you or do you need anything?

[A]

What do you mean, do your job? What do you think you're employed for?

[B]

Well, I'm talking about the businesses that I've worked for are very like, big corporations.

[A]

Sure. What, you want them to come suck your dick for doing your job? I don't.

[B]

What do you. What do you mean? So I'm going to shows. I'm doing what I want. The money always comes. It always comes.

[A]

Except not really, because you just established if you get laid off, you're probably no age discrimination in this country. You'd be.

[B]

Yeah, I would now, but I wouldn't have been before.

[A]

Yes, you would have been.

[B]

Well before 2024. Yeah. A year ago. YOLO, 2025. That's why it was. I'm going to do anything I want. I am going to.

[A]

But you still would have been. You would have had to find another job. And the job market wasn't as great then either.

[B]

But it doesn't. I'm not planning on getting laid off. Like, I'm not going to lose my job.

[A]

Oh, you're not planning on getting. Oh, she's not planning on getting laid off.

[B]

I had money.

[A]

Very good.

[B]

I had money.

[A]

Project manager. Guess what's the easiest thing to replace with AI?

[B]

Well, they haven't so far.

[A]

So far is the keyword there,

[B]

bro. Yeah. So I.

[A]

What is even in your retirement, Boomer?

[B]

You can let that go right now.

[A]

Nope.

[B]

Yes. Or you will be boy.

[A]

I'm okay with being boy.

[B]

Okay. Boy.

[A]

Oh, no. I'm so insulted. Okay. Yes. What's in your retirement?

[B]

About 75,000. Oh, yeah.

[A]

Oh. Oh.

[B]

But always been responsible. Always had put money in.

[A]

That was $75,000 to 56.

[B]

I got divorced. I had to take all the money out of that.

[A]

What? How much did you lose in the divorce?

[B]

I have no idea. I don't pay attention to any of this.

[A]

The money always.

[B]

I am not claiming to be financially responsible. I'm saying the money always comes.

[A]

Didn't she just say I've always been financially responsible?

[B]

Well, before. I'm talking about.

[A]

Okay, before, you would have known how much money you had. You would have known how much money you had.

[B]

I never pay attention to that.

[A]

Then you can't say you were financially responsible.

[B]

But the money was always there.

[A]

There for what? You're in debt. You can't say the money was there. You're putting it all in debt, you moron. What are you talking about?

[B]

Yeah, well, the money was always there.

[A]

Do you think you're ever gonna retire? Cause of 75,000. No. Social Security benefits are gonna be cut by legally mandated minimum 25% by 2033, unless we push retirement age, which would you. Or lower benefits across the board. But that's already going to happen. Do you know why are you tracking that?

[B]

Because the boomers aren't dying off quick enough?

[A]

No.

[B]

That's a big group of people that you.

[A]

So you don't know why?

[B]

No, and I'm going to. I'm going to go early anyway, so I'm not really worried about it.

[A]

Okay. Well, the reason why is because every single dollar that's going out has to be coming in. There will be nothing left on the side. So the moment that happens, mandatory minimum 25% cut across the board of retirement benefits. The only way to prevent that is, of course, rain payroll tax or, you know, Social Security taxes or.

[B]

Or get rid of fraud. Get rid of sending money all over the world.

[A]

It's not gonna happen, unfortunately. But even still, I mean, Social Security is paid out through Social Security fund regardless, so that's that's not gonna. Giving the country another money wouldn't change that unless they allocate more money towards that through a different tax. I don't know. It's up to you, I guess. I don't know. Well, you have no idea what you're talking about. You don't even know why your benefits would get cut. How are you going to retire with that 25% cut? That is maybe going to happen or the age gets pushed. Well, and you have 75,000 hours.

[B]

That's what I want to figure out because I am going to live now. It's a different ball game.

[A]

Okay, that's contradicting when you just said you're not going to be here for very long.

[B]

Well, I'm gonna minutes ago live long and I want to retire like yesterday. I want to be done.

[A]

Well, good luck. You kind of around your entire life and didn't pay attention to anything and was not financially responsible. Now you have $75,000 and you know what's going to happen, ladies and gentlemen? I roll my eyes every time I see it. Now you know what's going to happen? She's going to be 70 and there's going to be a clip online on Twitter or TikTok or a news piece about a 70 year old working a cashier position at Walmart. We're all going to be so sad saying oh no one her age should have to work to pay the bills. She lived her entire life around, did whatever the she wanted, didn't sacrifice one thing and then she's gonna look old, sad and pathetic for one year. No, dude, your entire life you probably lived beyond your means. You didn't. You can't tell me how much you had. I know with the money that you have been making throughout your life, if you sent 20% aside on a yearly basis, you would be retiring a multi millionaire. With what the stock market has in your life, you. So there's going to be a pathetic sad story. Then we're going to get bad policies raising taxes and bullshit like that to give more shit to her. The generation that had everything and sacrificed nothing and then they look sad on camera off. You should have sacrificed some shit.

[B]

That was the boomers who were given all that.

[A]

Girl, you're like two years different. Shut the up. The point's going to happen every generation with the sad video of an old person that shouldn't have to work to survive. You just decided not to do anything and you could be a multi, multi millionaire. But the income you have had throughout Your life?

[B]

Yeah. If I stayed in a. In a bad marriage and continued along with that.

[A]

No, no, it hasn't gotten.

[B]

I was a divorced parent of two kids.

[A]

I don't give a fuck. Even if you're contributing 10%, you would have been a multimillionaire.

[B]

That's fine. But it couldn't happen then.

[A]

Yes, it could have.

[B]

No, it couldn't. I was.

[A]

You couldn't spend one penny going out to eat at all.

[B]

I barely went out to eat. I was also getting lies, lies, lies. I didn't even graduate from college till I was 30. I don't give a. That doesn't matter.

[A]

32 years. 56. With what the stock market has done 10% of your income throughout those years, you would have been at a couple

[B]

million bucks by a 10%.

[A]

Even more. You absolutely did.

[B]

I was laid off for 18 months during that time as well.

[A]

18 months out of multiple decades.

[B]

And that money had to come from somewhere. And it came from a.

[A]

You just thinking of match Match free money.

[B]

Yeah, I have that right now.

[A]

Now. Oh my gosh. She doesn't understand. I know for a fact. I look through statements. Four, three, three days a week. Three days a week. Multiple years. Everyone thinks they don't spend money. You spent money.

[B]

I don't want to have spent money recently.

[A]

But I'm saying there is not a single piece of me that believes that. And then who even knows how long you're gonna last this company? No offense. You're one of the first ones to go. You're slower.

[B]

But I'm not actually.

[A]

Yes, you are.

[B]

No, I'm not.

[A]

Your productivity is probably considered less.

[B]

No, it's not probably.

[A]

And again, just job like AI Project management. Good luck.

[B]

Our younger people can't even get out of their own way.

[A]

Says the boomer. Like, I don't know. It's just like. It's just like generational division, blah, blah, blah. Fight, fight, fight. I don't know. But probably on an actual.

[B]

No original ideas. Like I can't even go there.

[A]

Yeah. Project managers, that's who we look for ideas from.

[B]

We do have to figure things out. And it's hard to figure things out when all you do is watch videos all day and be whatever you're doing.

[A]

You have a little resentment there.

[B]

Yeah.

[A]

Why? Why are you resentful? What? What's going on?

[B]

Because I didn't have anybody that was supporting me through things. Yeah. So I'm just saying. Yeah. So it's hard to problem solve when you never had any. Anything happen to you. Life Is super easy. And that's when you have to make up shit to get upset about.

[A]

Shut the up. Housing costs are more high for younger generations than your generation by far. Not even close.

[B]

Absolutely.

[A]

Cost of education beyond hire. Health care costs beyond hire. Now, for what it's worth, I will give you one thing. The cost of having things for fun. The cost of groceries as a percentage of your budget is lower now than practically any time in human history. So younger generations, we got that going. Okay, got that going. But you had lower housing costs, lower educational costs, which leads to higher income. Because education, easier to get into, easier to get higher income, cheaper cost to go. And health, so necessities to survive too, and then one, to increase your income. Those things are more unaffordable now than ever. So you victim. Bullshit. Just shut up. Shut up. Not a victim. I didn't have anyone to help. You were married for a bit, you had help for a bit, then you didn't. Then you're a single mom. Oh, no, none of those exist in this country.

[B]

I did everything the right way. I married my high school sweetheart, captain football team, the whole bullshit. Well, in the 80s, that's what was kind of the thing. Whatever. So anyway, yeah, I had to support two children during this whole time myself.

[A]

Yep. No one ever did that throughout human history. Now at McDonald's, a McDouble is 250. So you can get your gym gains on or just get lunch for only $2.50. Get more value on the under $3 menu. Limited time only. Prices and participation may vary. Prices may be higher for delivery,

[B]

not in having matching 401k and everything else. I had to use all my money. Plus I had to go to college on my own. I couldn't get student loans and stuff. And actually, well, I do have some student loan. Cause I was getting my master's degree back then. In the 80s, all they would give you for your student loan is exactly what your tuition was. No money for books. Exactly. That's how it should be getting my master's degree. You know how much they want to give me in a student loan? $20,000 for a $3,000 class. So all these people that are saying my student loan's so high, it's asking

[A]

you to take as much.

[B]

You're right, Ex.

[A]

No, I'm not an advocate for student loans. Student loans have made what school is so expensive, don't get me wrong. But you're complaining that it paid for school like. Shut. What? What was your point? You claiming this victimhood is so stupid. Okay, so this is what I'm being told. You stopped getting your master's degree because there was an immigrant in your class?

[B]

No.

[A]

What? What?

[B]

Oh my God. That's a. That's part of a larger story of an immigrant. So I'm getting my master's degree now. Everybody in this class is supposed to have a bachelor's degree, right? All of them.

[A]

Okay, you didn't check someone's ID when they were coming into class?

[B]

No, because who cares, right? We're all in the same program.

[A]

A 17 year old boy, I'm gonna

[B]

get the same degree. Got his bachelor's degree. Right? And as these Brazilian girls, I'm one of two Americans in the whole class. Doesn't matter. Okay, so we're all in there.

[A]

You're getting jealous of the beautiful boobs and tits from the Brazilians.

[B]

No, I'm sitting in the back. Cause I'm the oldest student there. Clearly probably older than the professor. It's in the industry that I've worked in, by the way, and he's giving us stuff from 15 years ago.

[A]

Okay. I'm proud of you. You're the oldest in the room. Always.

[B]

Well, anyway, in college. Yes. So anyway, kid sitting next to me supposedly has his bachelor's degree. The girls are sitting in the front. He's got sweatpants on.

[A]

Oh, no.

[B]

Masturbating in class in the back of the row. So this is a man with his bachelor's degree. Actually, what do you think?

[A]

He was masturbating.

[B]

He had his hand in his sweatpants, just gliding along.

[A]

Gliding along. Okay, that's not confirmation of masturbation.

[B]

Oh, come on.

[A]

It's very weird, but when you said that, I was like. It's kind of the things that you see. Like I was expecting dick out was jacking. Like that's.

[B]

I know for a fact he would have got caught, but doing what he was doing.

[A]

How do you know he was masturbating?

[B]

Because you could see it. You could hear him.

[A]

Oh, okay, okay, okay. Sounds like he was masturbating.

[B]

Yeah, he was a little bit moaning.

[A]

That's not good.

[B]

You were in the bathroom.

[A]

It's a bit weird.

[B]

Very.

[A]

What class?

[B]

And the only reason why.

[A]

What class was it?

[B]

Well, this was an energy class.

[A]

I don't know if I could bust to energy.

[B]

Yeah, we were learning about biofuels, which

[A]

now you're getting me going.

[B]

So anyway, he's definitely masturbating in class. And if I dare. And he's from Guyana, which he wanted to tell everybody. Good for him. We all had to introduce ourselves. But the thing is.

[A]

So he told everyone during the introduce ourselves section.

[B]

Yeah.

[A]

What a criminal.

[B]

No, the reason that he's a criminal is because I guess they give out diplomas like Tic Tacs out there. Are you telling me that a kid in Guyana could get a degree in anything, supposedly a biology degree, and be masturbating in class like you had no self.

[A]

I don't see the correlation on those two things. I'll be honest.

[B]

Well, you'd think that somebody at least that could sit through a degree program of any type or even any type of skill, even to work anywhere. He should be able to control himself from master.

[A]

He sounds like a pervert. But there's. I mean, there's smart perverts. I mean, he's.

[B]

That's disgusting.

[A]

Well, yeah, but. I mean, you know how many elected officials are resigning these past couple weeks by being perverts? But they're also very smart people getting where they got. Like. There's perverts that are smart.

[B]

Yeah.

[A]

It's not necessarily correlated, but my.

[B]

So with that, like, yeah, that's not good in school. He's going to get the same degree.

[A]

Did you report him? Also who this is.

[B]

Oh, if I reported him.

[A]

I'm sorry, I'm sorry. I don't get.

[B]

Are you me. If I said, hey, the guy in Guyana. No, this was like two years ago. Yeah.

[A]

No, even still. Masturbation. Cancel culture woman. Absolutely. Come on. White women, perpetual biggest victims in this country. What are you talking about?

[B]

Oh, my God.

[A]

You were sad for Washington.

[B]

I had. I warned the Brazilian girls. I said, watch out for that guy. Don't let him call you out of town.

[A]

Talk to, like, a professor or security or something. Report them to the police. I don't know. You suck with money. So you download a budgeting app. You start with the classic one, ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, Right. Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, built by these people just like you, for people Just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now when you sign up for the checking account that I use. Chime also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Anything but like, hey, bbls, dudes jacking it. Like, I think there's alternatives beyond that. Okay, now your reason for dropping out is because, wow, that's my degree would be worthless because the guy that masturbated would have it too. No. How about you actually just do to improve your life. Never sit by him or actually take some action and report him. He's objectively the bad guy in this situation. But you chose not to report. Like, at that point, it's hard for me to be like, oh no, you didn't report. Like, what am I supposed to do?

[B]

How could I, okay, because he's Guyana. He's gonna.

[A]

What does that do? What does that mean?

[B]

Because here I am, like, picking on somebody who's from another country. That's a protective class right now, practically.

[A]

You're a white woman. There has been no other people put towards advantages in this country's history in the last five years than white women. You guys have been everything. What do you mean? Well, you could have canceled him in about half a second, just like you said. One twin longer from you and that dude would have been beheaded.

[B]

Oh, please.

[A]

What? Have you not seen what the country was a couple years ago?

[B]

Private class.

[A]

What are you talking about? You, a white woman. You could have ruined everything. And fairly for him, by the way.

[B]

It would have been yes, and you could have. But I couldn't have. No, no, absolutely not. And like you said, because like you said about the vote, I only saw it, so it can't be a fact, right?

[A]

No, no, no. But a white woman, dude, you can brush up against someone's leg claim and that dude's career will be ruined. As a white woman. Absolutely you could have that guy saying he was jerking off in class. Absolutely. And I guarantee you they have cameras in there anyway. But even if they don't, regardless, you could have canceled him in a heartbeat two years ago. It's a little better now, but there's still some crazy people you could have. White woman. Absolutely. You kidding me?

[B]

I wasn't going back to that class. No. Okay. Plus, it was all outdated stuff we're talking about.

[A]

You're just there to get a degree. I don't give a if things are outdated. I do give a about the masturbator, but you chose to not do anything about it other than for your life. That doesn't matter. That literally doesn't matter. You're getting the degree for your income. I don't give a if you're learning. I mean, I'm getting out of here. Schools would teach student loans. No, you're getting a degree for your income. Isn't that what you were there for?

[B]

Yes, that's what I thought I would do.

[A]

What the are you doing? What the are you talking about then?

[B]

Plus, it's interesting. I love the energy industry. I think it's fascinating. But I wasn't learning anything, so that would have been great for me. And I started it in 2020. That's when I started that degree because I was so bored in my house. Started the degree online, but ended it two years ago.

[A]

Well, keep taking it online. Everyone's jacking off. And trust me, in online classes anyway, you just don't see it foul. Oh, just masturbate your along with them. You'll be fine.

[B]

That would get rid of some tension and some dust.

[A]

What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best.

[B]

0 right now.

[A]

Yeah. If you want your Hammer financial score, get it for free@caleb hammer.com it is free. You can see where you stand in the world of money. It just takes a few minutes. It is pretty awesome. That link is in the description below. And also if you don't want to be like this boomer that up her entire finances, make sure you download the dollar wise budgeting app so that you change your life like tens of thousands of active monthly users are right now. There's a free trial and you can save a ton of money by signing up for the annual version. And then you get my detailed 30 day meal plan so there's no excuse for not being able to meal prep at a lower budget. You get mine with the digital version of our cookbook that teaches you every single recipe as well. You get that signed by me. Mail directly to you. There you go.

[B]

Thank you.

[A]

For you. You're welcome. How much do you even make in this Job? I didn't even ask. Project management.

[B]

So sad too. Oh, all these years.

[A]

Oh, let's hear a story about Jan6again.

[B]

Just cracked a hundred thousand dollars.

[A]

Oh, what a victim. What In Minecraft? What the. What am I supposed to do with that?

[B]

After 40 years,

[A]

like go. The median income in this country is like 65. Shut the up.

[B]

You're doing well. Better. I have no idea.

[A]

Oh my gosh. You have no perspective on anything.

[B]

No.

[A]

Shut the up. What hits your account on a monthly basis?

[B]

I haven't been paying attention. The money always comes. I've never had to worry about it. My credit cards were always paid off at the end of the month. I was very good with everything until. Exactly. I took a year off to have. You don't get to do that.

[A]

You can have a good with 100,000 hours a year. What were you making before?

[B]

Well, around that. Because this is raised 16.

[A]

Okay, 16 years. If you live 50. 30. 20. 30% of $100,000 is a pretty good damn year. Multiple European vacations. If you wanted to. Shut the up, you entitled brat.

[B]

I earned it. I've been grinding forever. Oh, I had a job out a break other than when I was laid off and then I had to bro.

[A]

You are literally complaining about what every other human being in existence has to do. And you're getting paid very well for it. So I don't care. You have a house. I don't have a sympathy. You. You. You afforded. You afforded a house in Massachusetts. That's how. Okay. You were doing like. Shut up. As a single mother. You afforded a house in Massachusetts. Cry victim. Shut up.

[B]

That was a good investment. That was a smart thing that I did.

[A]

You're not a victim. You pathetic worm. 56 years old making a hun. You don't know what hits your account. Let's find out. Oh, yes. What would you like to say?

[B]

Oh, I sprained my thumb and it's sore.

[A]

Okay. Income. I had payroll. $7,170. Very good, strong income for a long time. Not 100,000 hours. Since she only has 75,000 hours at 56. Three years before she can take out from her 401k and IRA tax advantaged accounts. 7,100. I lost it. $70.85. Good income. You're fine. Hold your kids.

[B]

30 and 32.

[A]

You're doing the classic selfish parent thing. Up your entire life last year. Now they're gonna have to bail you out when you're too old and you get laid off and you get.

[B]

I'll do whatever. I'm not some, like, pampered princess. I don't have to have everything just so.

[A]

What the. You said you deserved a year off.

[B]

I did, yes.

[A]

Not pampered.in Minecraft. Shut up. So why is this mortgage first? Why do I see a mortgage? 2,700, 2,700. $275,000 and $35.85. Am I gonna sound like right now?

[B]

Yeah. So I was doing business with friends.

[A]

You were not even behind. I thought that you would be behind. It's the first one. $2,323.97. Yep. Okay. Yep. That mortgage makes sense for your income situation. I'm vibing.

[B]

Yeah.

[A]

What's up?

[B]

So I got an FHA loan for the first. For the mortgage, but my friend. Yeah, So I hardly had to put anything down. That's how I had all the extra money, which is stupid.

[A]

Okay.

[B]

Yeah. Well, here my friends are telling me this is what they need to do. Maybe she had a quota for FHA mortgages. Because this is the same.

[A]

Oh, your friend was the one telling you the loan?

[B]

Yes. And. And last year I refinanced. I was in a 3% loan.

[A]

Oh, why'd you do that?

[B]

Because I needed some more money to go to concerts.

[A]

What?

[B]

And what she told me was, who

[A]

are you even seeing? Are you going to festivals at least?

[B]

Yes, I went to a couple music festivals. Incarceration in Ohio, Louder than life in Kentucky.

[A]

Why'd you go to any of the ones Coachella's happening right now?

[B]

I'll be going up.

[A]

So the top four music festivals that aren't like genre specific, like just general music festivals, if I'm not mistaken, it is Coachella, Lollapalooza. What's the big one in, like, Wisconsin? It's huge. Or Minnesota or something. And then ACL and Austin. Those are the four largest musical non genre ones. And then there's electronic festivals and blah, blah, blah. You didn't go to any of those?

[B]

No. Cause I went to. I'm not into that music.

[A]

I like every music. That's the thing about those music festivals. It's every music. Yes. There's metal there too. Yes, I went to. Went to a metal concert at ACL

[B]

last year, but for. To. To get more value out of your concert.

[A]

So you cash out, refinance your house.

[B]

Right. So what she told me, what she told me was not going to impact anything. I'm taking some of my equity.

[A]

Yeah.

[B]

So then you know how that works. Well, I don't know how that Works. Right.

[A]

We were taking out equity.

[B]

Yeah. So I'm taking out a little bit of equity, and I'm knowing I could. I have a ton of equity in my house because I always paid ahead on my mortgage when I had money.

[A]

Okay.

[B]

Just all the money.

[A]

I don't know how much equity that would accumulate in just a couple years, but.

[B]

Okay, well, the houses are going for 400 right now. So I'm like, this is fine.

[A]

When you make good money. I don't understand how you couldn't. Cash flow concerts. But okay, yeah, sure, sure, sure, sure, sure.

[B]

So it was at 3%. Now it's at 6. Now my payment has gone up.

[A]

Yeah.

[B]

And so then I was like, whoa, what happened? And then I just heard. Cause I said, hey, so high a rate, the interest rate's gone down. Can we refinance? And she says, oh, no. There's a cost associated with that.

[A]

Yeah, it usually costs money to refinance.

[B]

I had no idea, because she's doing it. She's telling me, I'm just taking out some of my equity.

[A]

You're not 26. You're 56.

[B]

I don't care about mortgages. I don't care. What do you mean?

[A]

You've been in mortgages since forever. Yeah.

[B]

And I go to people who are supposed to look out for you.

[A]

This is why every boomer gets scammed.

[B]

Yep. And it did not happen. I've been scammed many times.

[A]

Oh, yeah, you have.

[B]

Mm.

[A]

Oh, yeah, yeah, yeah, yeah.

[B]

So it's.

[A]

It's all the time, or, you know,

[B]

it's Pam all the time.

[A]

Oh, I didn't know what you were saying. Okay. You said your real name. I thought maybe you said, like, the N word or something. I don't know. You just got. You were so shocked when you said it.

[B]

Yes.

[A]

How frequently do you say the hard R?

[B]

Never. I have no reason.

[A]

Why?

[B]

Because I have no reason to use that word.

[A]

You're racist.

[B]

I am not.

[A]

I just assume. I don't care about what?

[B]

I don't care about anything.

[A]

You don't care about black people.

[B]

Oh, my God.

[A]

Who do you call? Tyler?

[B]

My high school is half black.

[A]

Whoa.

[B]

That's how we grew up. It's enough.

[A]

What's your opinion on blm?

[B]

Well, I was actually all for that in the beginning. I was about it. I want to donate my money because I'm very.

[A]

What's your opinion?

[B]

Well, I found out that was bullshit.

[A]

Come on in. Oh, nice haircut. I didn't even see. Appreciate it. Appreciate it, Tyler. She said she doesn't care about black people.

[B]

Oh, my gosh. That is not what I said.

[A]

She did say that.

[B]

I said I don't care about any of that.

[A]

What is any of that? Black people. Any.

[B]

Any type of racial thing. Who cares?

[A]

Also, you care about all of us. You with us? Yes. Put the fist up. Yeah. What's your opinion on. That's what I'm talking about. Blm.

[B]

Well, BLM I was gonna donate to, right? Cause I'm thinking now and then, I educated myself.

[A]

Oh, oh, what'd you educate yourself on? What'd you find?

[B]

Well, I dug into how they get their donations, and it's through ActBlue. 3% of all their donations go through ActBlue, which is a Democrat. And I was like, I'm not donating to a political party. I want this money to go to this cause.

[A]

How do you think George Floyd died?

[B]

That's the wrong hero to have. That is a wrong hero to have. If that's what you're hanging your hat on. That is a mistake. Three funerals during COVID What the f. Was that about?

[A]

Rp, my brother, for real, man. Rp, my brother, for real. Don't listen to her, guys. Rp, my brother, man. Amen. Thank you, Tyler. Always. Always.

[B]

I think I'm in love with him.

[A]

Tyler.

[B]

Yeah.

[A]

Tyler, she's in love with you. She's in love with you. Oh, thank you. I appreciate that. Okay, okay. Okay. Very good. All right. Okay. So, okay. Your mortgage payment's higher now. Yeah, well, trauma again, I guess.

[B]

Well, it's just, like, why?

[A]

Really? You refinanced, you took money out, you got a higher rate. It's not. Not.

[B]

Yeah, well, it was supposed to just be equity out, and so, you know.

[A]

How much did you spend on concerts in your special 20, 25 year?

[B]

About $20,000.

[A]

What the.

[B]

And it's still in how? Going to VIP, sometimes flying.

[A]

Oh, 20,000 on concerts in a year when you have 75 in retirement at 60? Almost. Oh, you moron. If there's a sad video of her working at Walmart at 75, I want no tears. Never support those videos. They had every opportunity. Unless they were in literal poverty their entire life. They had every opportunity. I have no sympathy. I see people spending every single day, spent 20,000 hours last year that she's gonna be like, oh, I'm a boomer retiring. Oh, I can't afford to survive. No person should be at this age working. Yes, you should. If you chose not to sacrifice. That's not on us to take care of you. You Piece of.

[B]

No regrets. It was a lot of fun and I needed it.

[A]

And we shouldn't take care of you.

[B]

Nobody's gonna take care of me. Nobody ever want to increase our taxes

[A]

when you're a boomer. When you're a retired ass and we have to take care of you with higher Medicare or Medicaid and all that and higher Social Security. If we have to increase Social Security taxes because of your ass, that's what they're doing now.

[B]

Because there's way more of the boomer generation than there is of Gen X. Gen X is the smallest generation. So if anything, younger people are gonna have a. They shouldn't be paying as much into Social Security at some point. Boomers were a big generation. That's why they were called boomers.

[A]

I know.

[B]

Yeah. Okay. So we've all been supporting them and they've been retired since they were in their 50s. Believe me, I live amongst them.

[A]

Okay. If I'm not mistaken, the last rate change for Social Security taxes in 1990. So you can't say they're doing that now. Social Security taxes?

[B]

No, they're collecting Social Security, though. They're getting their doctor's visits paid for. That's what I'm saying.

[A]

They're a huge generation that they did that. But it's a set to fail.

[B]

Absolutely.

[A]

With the declining population and everything. It doesn't make any sense. 1990.

[B]

Yeah, well, the. The population should be declining at some point.

[A]

Well, that makes no sense because then it's two. We're. In a couple decades, we're going to be at two workers per one retiree. How can we afford that? That's fucking you. What do you mean it should be declining? Which one do you want?

[B]

The boomers are declining finally.

[A]

Yeah, but you still needed a growing population. Oh, my goodness. You're a moron. Okay. Wan. You have a higher mortgage rate.

[B]

I'm saying that this generation Gen X is much smaller. There's gonna be a lower pool of people that are even gonna collect anything.

[A]

It doesn't even matter. Still, in a couple decades, it's still gonna be two workers for one retiree. Regardless. It doesn't matter. Okay, why do you have a debt consolidation?

[B]

Because the money always comes, and that's where it came from.

[A]

Oh, my God. That's not money. That's consolidating. What do you mean the money always comes? Because you applied for a loan.

[B]

The money was there.

[A]

It's not money, it's debt. What do you mean? Is this actually that when you say the money always Comes. This is what you mean?

[B]

Yeah, it always has all along. So right now.

[A]

So what you mean when you say the money always comes is you can apply for more debt.

[B]

There's always money there.

[A]

No.

[B]

Somewhere.

[A]

Until they say no. No, no. Because your credit or something is. You just can't afford your debt to income ratio $368.11. That alone wouldn't make or break you. But we have a lot of paperwork to go through. Higher mortgage payment now. Oh, Lindsay said she thought this was free money. I'm not kidding you. You actually thought this was free money?

[B]

I. The money's always there. It always comes.

[A]

What does it mean to you then?

[B]

That I don't think about it. I don't think about any of it.

[A]

And how has that worked?

[B]

It's worked fine.

[A]

How is it? 75,000 hours of retirement.

[B]

It's worked fine until now.

[A]

It literally hasn't. It's only stacked up until now. Now you're just facing the consequences for your actions that haven't been working.

[B]

Of the one year that I took and part of this year, you only

[A]

have 75,000 hours in retirement. That is your entire life. That's not just last year.

[B]

Right. But it's never been an issue. I've never had to have to be embarrassed. No. Because when they were young, we did the same thing.

[A]

No. Of mother.

[B]

No.

[A]

Extreme political.

[B]

Oh my gosh.

[A]

Extreme political. Not gonna be able to retire or sacrifice anything. Mother.

[B]

No.

[A]

You smoke?

[B]

No.

[A]

Did you?

[B]

No. Never.

[A]

For a son. You wear sunscreen?

[B]

No. Ah, never.

[A]

Ding, ding, ding, ding, ding. Found it. Gotta wear sunscreen. Especially in that Florida. He. Look what it's done to you.

[B]

Because I'm half. I'm part Portuguese.

[A]

Look what it's done to you.

[B]

What?

[A]

I guess it's irreversible. Is it irreversible? You just. You've gotten. You got all the sunspots and like wrinkles and stuff.

[B]

Yeah. And I'm also 56.

[A]

I know, but 56 year olds who wear sunscreen every day have much smoother skin yet it's fine. Just like do we need an additional diagnosis in your life? Skin cancer sake. Okay. It's only 6% paid off. So you just got this at like a 12 point. It's a 12.6% interest rate. What is wrong with you? That's free money. Well, 12.6% interest rate, it always comes. Yeah, interest.

[B]

Well, cuz I've never had to have a budget or anything. And then once I'm kind of looking at it. Well, you didn't need a budget.

[A]

Just because you didn't see what was happening doesn't mean you didn't need a budget. That logic doesn't make sense.

[B]

Yeah, just never. I never had to. The kids always. We always had video games. We had. We went to.

[A]

And now putting money aside for retirement, not any personal responsibility. And then we're gonna have to take care of you. It's pathetic. The money always comes.

[B]

Yeah.

[A]

No, the only thing coming is to do it in the back of class. He didn't finish to that nuclear power plant talk. Those are some big holes at the top of those things. This makes no sense. I just don't understand why the you are doing this in your second half of your 50s. 50s tech consolidation to 12.6%.

[B]

All that grinding.

[A]

Shut the up. You've just worked a normal ass job, so I don't want to hear it. I had a job at the same age as you did when I started as well. I'm not complaining about having to work at Steak n shake at 15.

[B]

Well, when you're in your 50s and you want to have a year of doing whatever you want, you'll deserve it. I felt like.

[A]

I know there's not entitlement in this world. I know that I reap the rewards of what I put in and that's what I felt. There was no reward there, though. You just took something that didn't exist and now you're paying for it. It. That's debt. You put it all on debt. Oh my God. Venmo credit cards. Have I even seen this? I don't even know. I don't even know if I've had this before. This is like new. Venmo credit cards are new. And you immediately just are like, oh, there's free money.

[B]

No, I actually got that one for my daughter so that she could build her credit.

[A]

Oh, yeah, you're a great example of that.

[B]

But. Well, I was before.

[A]

Okay, well, who's spending on it, you or her?

[B]

Me.

[A]

But she's on it.

[B]

No, she's not.

[A]

Oh, thank you.

[B]

I didn't want to put her on.

[A]

Why did you spend $266.32 in the previous month if you're not even putting half of that towards the card? Takes two years to pay off. Minimum payments only without any additional purchases of which. Oh, you like to purchase balance $539.09 30 minimum payment. What the are you doing?

[B]

I don't know what I bought.

[A]

Well, how about Carnival? The fun shops? SiriusXM? You're telling me? You're not a boomer. Taco Bell.

[B]

Well, that was on the Carnival Cruise.

[A]

Taco Bell?

[B]

No, the. Whatever.

[A]

Sirius xm.

[B]

No, no.

[A]

Oh, the one that says Carnival. Yeah, I assumed.

[B]

Yeah, that was from the Shiprocked cruise.

[A]

Isn't Carnival the. Is this a little trashy?

[B]

Oh really? Why? Why is it trashy?

[A]

Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and Fatter. The number one ranked energy Dr. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 off your order at gamersupps gg or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise. Oh, because everyone's just throwing ass. And who is that? People. Trashy people just bouncing. Throwing ass.

[B]

Yeah.

[A]

Smoking weed.

[B]

I didn't see any of that.

[A]

Really? Not in your Carnival. Did you have Carnival Elite?

[B]

No, we had the whole ship for people that listen to metal.

[A]

Oh, it was. Yeah. No, the booty throwers were not there.

[B]

No.

[A]

Oh, they've banned rap music on Carnival Cruises.

[B]

Why?

[A]

Because just. Dude, listen. Okay, listen. I know I'm making like haha, silly little racist joke, but the thing is it has absolutely nothing to do with the fact that unfortunately the videos. Okay, unfortunately the videos, the people were majority black. Yeah, put it in there. But it has nothing to do with that. It's just the fact that it was just an endless chaos machine of just crazy parties and it just looked horrible and it was making the brand not sell well. Cause no one wanted to go there.

[B]

That's probably why they do these cruises now.

[A]

Yeah, I mean there's themed cruises everywhere.

[B]

Well, this was the first one I had ever been on. Cause I wanted to treat myself.

[A]

Apple card. What's going on? Apple Card 2000.

[B]

That's my favorite one.

[A]

Oh, you have a favorite card?

[B]

Yeah, because if it comes up to where there's no money on it, I can throw money on it real quick and it, what, credits me right away. I know that's part of the Money always coming.

[A]

That's not money. You. That's you putting money. Oh, my. The suspending's insane. I. There are no tears when you can't retire. And we should not at all raise taxes, especially Social Security taxes, because she can't retire after what you're about to see here. $2,079.68 with $58 minimum payment. DoorDashing Hungry. Howie's Home Chef Craft Light Brewing. Apple Bill. Doordashing Green Tea. Apple Bill. Apple Bill. Netflix, Temu. Louder Than Life. Doordashing Hungry Howie's Apple Bell. YouTube Premium Instacart. You. It's all bullshit.

[B]

Well, Louder Than Life bullshit music.

[A]

Save up money for retirement. Pay off your debt, you entitled piece of shit. High interest. Interest accruing. Payments not being made only when you want to spend more. Mission Lane. Oh, my goodness. You spent $2,593 on this interest occurring 19 years to pay off. I'm gonna die. You only made the better month to pay better than you purchased. 2593D.

[B]

Death.

[A]

Death. Absolute death. Mission, you owe $4659.16. Minimum monthly payment. $130.72. 19 years to pay. Are you gonna be alive?

[B]

Probably not, because my aneurysm will burst.

[A]

I thought she. But you might be able to get rid of it, right?

[B]

Well, if I have surgery. Yeah.

[A]

Yeah. Can you get surgery?

[B]

Can you get surgery? Possibly.

[A]

Okay. I mean, which one's riskier?

[B]

I have no idea because I don't pay attention to the doctor either. It's not my job.

[A]

It is, actually. What about your kids? You have grandkids?

[B]

Yes.

[A]

Okay. You want to be around a little longer?

[B]

I would like to.

[A]

Let's pay attention at the doctor, then.

[B]

I do. I'm a great rules follower.

[A]

What? Okay, then what's riskier? The open heart surgery or just keeping it there?

[B]

I would have to ask because he hasn't told me or I would remember.

[A]

What has he advised? You do that.

[B]

We're gonna monitor it, and if it gets one, it's at like, 38. If it gets to 40, that's when it bursts.

[A]

You're saying that at 8%, the bonds fail and we are already at 4%? That's right.

[B]

So when it's at 39, we can do surgery.

[A]

Okay. How easy is it to go from 38 to 39? I don't know.

[B]

Well, what's weird is I never had this problem before, so that was my worry. If it can come along that fast. It's nothing. I ever had before. So how did it even get to 38? I had unregulated blood pressure where I was just like, passing out.

[A]

You were fat as.

[B]

Actually, no, I wasn't fat.

[A]

You just told me you lost like 100 pounds or something.

[B]

I got down to 135, but that's part of my YOLO from. From 170. Okay, yeah, but I gained back. I was 135. And then I've gained back like 20 pounds. Okay, well, part of the YOLO, part of the door dance.

[A]

You only live once, that yolo. Well, your once is coming to an end if you don't keep your weight and blood pressure under control. Are you on blood pressure medications?

[B]

Very minimal. Okay, well, I don't care if you are a blood.

[A]

Your diet's better. And they recommended more salt.

[B]

Yeah, he said more salt for. Okay, like the.

[A]

Maybe. That makes sense. I don't.

[B]

Yeah, because I don't.

[A]

That's not my thing.

[B]

Yeah.

[A]

Okay. Okay. Okay. So the 2,000 we spent on here. Welcome to. I don't know. You spent $893.

[B]

Welcome to Rockville is the other. The other one, but that's paid off.

[A]

The other what?

[B]

The other festival.

[A]

Great. Amazon. Amazon. Amazon Allure Hair design.

[B]

Oh, that's my friend. Yeah, she put purple in my hair for them.

[A]

Carnival Fun Shops.

[B]

Yeah.

[A]

Welcome to 20, row 26. Carnival Horizon. This is just ridiculous. At a 30% interest rate, basically. So, so stupid. This is so stupid, man. Oh. When you refinanced eight months ago, you paid everything off, and now these are back up to the pathetic. It's honestly pathetic. It really is. Like I'm. I'm losing my energy to even have the. To even feel outraged towards all this. It's just pathetic. Quicksilver. What's going on?

[B]

It's another card.

[A]

Oh, wonderful. You actually didn't spend surprising enough. Oh, you really can. It's basically maxed out at 3,000. Yeah. $936.08. Oh, sorry. New balance 2,853. Still basically maxed out, though. 68 cents. Minimum monthly 18 years. Minimum payment. 123. Yeah, I guess you don't really care if you're not going to be here for a while. What about any debts your kids will have to settle in order to get access to your assets, though?

[B]

I don't think there would be anything, Right?

[A]

It depends on the debts. Also depends on the states. It's. I don't know. Okay. Navy. Wow. Old Navy.

[B]

Yes. So that one actually, you know, because they give you a discount when you open up the card on what your purchases are.

[A]

Oh my goodness. You fall for everything.

[B]

So I did that. But.

[A]

And you're more than paying for it with $70.23 a month in interest.

[B]

Well. And that's what kind of made me think twice about this plan was that they cut my credit limit. And that's never happened to me before in my life.

[A]

Yeah, it's cause you're shit with money. 17 years to pay off 10713 minimum fee payment. You owe $3,760.95. Oh my goodness. You purchased $2,000 on here on Old Navy Oil. It's a green $70 an interest.

[B]

Oh my can use it anyway.

[A]

Apple things. Apple Bill. Apple Bill. Allure. Hair design. Again. Bullshit. Perta Veda Ship. Rocket ship. Rocket.

[B]

Shiprocked is the cruise.

[A]

Oh my death. Apple Bill. Shiprocked Ship the cruise. Cruise Cruise. Apple Bill. Seaport parking. Wendy's. Dunkin Donuts. Market Plaza. Guys, she doesn't spend that much money. Apple Bill. Apple Bill. Funeral port.

[B]

Oh, that's the funeral portrait. That's a band. That was March.

[A]

Okay. She gotta get Birch a little bit of foreshadowing. Is it 33.24% interest rate on here? This is where you're spending all your money? This is ridiculous. Give me your phone. Me? Yeah. No, no, no. Someone that's not on camera.

[B]

I don't know who gets on camera.

[A]

The audience. I'm talking to the audience. Oh my goodness. The way boomers have their phones. Everything's just in a folder. Oh my goodness. Subscription queen. Apple Music.

[B]

Finch.

[A]

Self care pet. Self care pet. It's a digital pet. ICloud Plus.

[B]

I don't know what that is.

[A]

Pedometer.

[B]

Oh, it's a pedometer. Yeah, yeah.

[A]

Pedometer. Not pedometers.

[B]

Don't need that.

[A]

Price.

[B]

Snap price.

[A]

It's an AI price thing. But you can do that with any AI.

[B]

Yeah, but that one.

[A]

Tashiman Tachimon.

[B]

Oh, that's the heart attack tachometer. That's for my heart.

[A]

Seem to not care about it because it's expiring soon.

[B]

Because I'm done with it.

[A]

Text killer. Spam thing. Wolves, Puppy and dog. Something. Yearly subscription to. Yearly subscription. I don't even know what that is. Lots of inactive subs you try Lots of things constantly.

[B]

I like to support creators.

[A]

Oh yeah? Creators? What creators? What creators are you doing? Oh my goodness. Even your recent spending. Your Apple card's all. What creators? What?

[B]

Like what? I like to support people that Are making things. People that. Not businesses.

[A]

How would you make retirement? How would you make an older age Amazon? Okay. Puzzles.

[B]

Yeah, those are gifts.

[A]

Girls. Cinnamon supplement thing. Amazon Basics. 13 gallon trash bags. That's fine. Scott's Comfort Plus.

[B]

I do fall for a lot of those. Like. Oh, supplements, Collagen and. Yeah. Berberine.

[A]

Well, there are certain things that are good. Collagen's not necessarily. It's not bad. But.

[B]

Yeah. So I'll get that and stuff.

[A]

Okay. Bras. Something about old titties. Since I don't like thinking about them. I don't know why.

[B]

Well, just like I don't want to think about Guyana and dick.

[A]

A little racist of you, I'll be honest.

[B]

Well, Guyana is a country. I wouldn't want to think about white dick either. Makes any difference.

[A]

It's a little gay of you. I'm just being ageist, but okay.

[B]

So Aegis is okay? Yeah, yeah.

[A]

No, of course not. I'm being silly, but okay. Well, 81 in retirement. Wow.

[B]

Okay. Yeah. I think, I think some of them are better than others.

[A]

Okay. What is this? A credit union? Something I don't know. You have a Pentagon? Yeah. What is pentagon?

[B]

The Pentagon.

[A]

47 years to pay off. They're allowing someone to have a 47 year payoff card at 56.

[B]

That's weird.

[A]

Like, what is their. What is their business here?

[B]

They're the Pentagon. It's the Pentagon. The federal Pentagon.

[A]

What is their business? Okay, yeah, they're okay.

[B]

That's the credit union.

[A]

Oh, they don't get. They don't pass audits. I guess this is clearly why. $7,968.84 minimum monthly payment. $468.84. 47 years to pay off. Yeah, I don't know. This is. This is ridiculous.

[B]

And.

[A]

Oh, you're over the limit. $468. Oh, Pentagon doesn't give a though. I guess so. Apple Bill. Whirlpool War pool. Whirlpool appliances.

[B]

Oh, a filter for my water thing.

[A]

Over the limit. And they let you. Okay. 17.99% interest rate. Oh my goodness. Dude, every. You have every credit card just up to the max. This is insanity. You spent money on this one too? Your Amazon Chase card. Okay, yeah, we just looked at the Amazon. But you're purchasing Amazon on other cards as well?

[B]

Yes.

[A]

4147.93 minimum monthly payment. $143. Purchasing, of course. 16 years to pay off. What's the point? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Interest 205. This year so far. We're only a couple months in. That's a pathetic. Again, affirm. Of course. You've gone down the affirm pipeline. Well, you just know everything.

[B]

I didn't even know what affirm was. That's my cell phone.

[A]

Good. Keep the ignorance. Oh, your phone. Well, because you bought your phone outside of the shop.

[B]

I got it through Mint Mobile, yes.

[A]

Oh, so you just had to buy the phone separately and then get Mint on it? I mean helium. I do helium. At this point. 15 bucks a line. But that's okay. Like, I guess you can actually do that because you don't. This phone's not contractually attached. This payment. Okay, so 1,429. $24. $94 a month payment. So you have a 17% interest rate on your phone. What are we doing? You will fall for anything. Here we go. Student loans. For what again? For the degree. You dropped out because the dude was jerking it.

[B]

I dropped out because it was useless.

[A]

Was it? Does it have a return on investment?

[B]

I don't think so. Not.

[A]

Then why would you go in the first place?

[B]

Because it was 2020 and I was bored in my house. I'd moved.

[A]

Do something else productive.

[B]

Well, getting a master's degree, I thought was pretty productive.

[A]

Not if it doesn't have a return on investment.

[B]

At least it was interesting. And it's in my industry, so I think.

[A]

Was it you said you were bored?

[B]

I was bored during COVID Yeah.

[A]

Okay, so you have $10,382.77 with a $260.80 minimum payment. Oh, past due. $130.

[B]

Yeah. I don't know what their pay dates are, and I don't know set up auto pay. That's a new loan.

[A]

It's not loan. It's just kicking in because all the deferment periods are done. It's not a new I.

[B]

They keep changing the provider so I never know who I'm changing.

[A]

The what.

[B]

The provider. Like this is CI they get pushed everywhere.

[A]

It doesn't change your minimum payment, though. It's the same federal rules.

[B]

No, but it's who I have to pay it to.

[A]

Doesn't matter. Go the. You pathetic. You can't do anything. I'm so done. I'm so done. I'm so done. I'm done. I'm done. Yeah. Checking account started with five, ended with five. No, sorry. That was our regular savings. Great. At retirement age. Checking account ended with $46. Wicked cookies. Friday's Southern Eats, Dude. Port Ricky, some restaurant bullshit. There. Southland concessions. Bagel, Patriot Shave.

[B]

Oh, that's razors.

[A]

Wow, you really got that red, white and blue clean pussy. All right, that's good.

[B]

It's a good razor. No bumps.

[A]

Freedom pussy. ATM withdraw of $320.

[B]

Well, I was trying to do a cash budget for myself.

[A]

Oh, okay. Just use Dollar Wise, dude. McDonald's $12.93. Surprised? No overdraft fees. It's just, what a joke. Withdraw paid some fee. $29 in this account. I can't even see the balance on this. Okay, where did it end? Did it end at the top or did it go. Okay, it went forward. You started at 96. Oh, you can't overdraft it. You're overdrafting in this account. Oh, and then your Jeeps with it.

[B]

That's when I realized, like, wait a minute, the money's not coming. Oh, it always comes.

[A]

Something happened. You figured it out for the first time finally. It only took till 56. Jeep, what do you owe total? I can't find the balance, but I know it's 41,000.

[B]

Yeah.

[A]

What? Under 29. Jeep, go Gladiator.

[B]

Well, I had a 2020 Mustang California Special, but I had to trade it in because my dog is claustrophobic and he wouldn't get in the Mustang anymore.

[A]

Get another larger vehicle.

[B]

And I put.

[A]

What are you saying? Are you telling me it's actually worth. Or it's. Oh, my gosh. Your minimum payment is $699. It's at a 7.25% interest rate and 69 cents. Okay, so it's what, it's 40, 41. How much do you want?

[B]

21,000.

[A]

Ah. How much do you think it's worth?

[B]

I have no idea.

[A]

23.

[B]

And I put 8 grand down on it. That was the rest of my little.

[A]

Oh, I'm so done. $6 in this checking account. ATM withdraw pool. Some pool. Hundred dollar pool, probably Pool care, King C. ATM withdraw. 200 bucks. Who knows where that went? Another 300 there. Yummy. Thai food. Professor Ar. And Spotify. So you have Spotify and SiriusXM.

[B]

Yeah. Cause I don't like listening.

[A]

I'm gonna die. Okay, but use one. Right? Right. Okay.

[B]

Yeah, I'll figure out which one I like the best.

[A]

You haven't yet.

[B]

I will.

[A]

You haven't yet. Oh, my gosh. Okay. Ending balance in this. Oh, savings from 48 to 21. Retirement is going so well. Okay, 3. Okay. In this savings, 1153 and then 3. 16. Ending balance in that checking account. Best balance you've had. In checking account. How? This is moving money back and forth. It's not even actual management. $10 in that savings. Dude, this is crazy. More. Oh, this is another debt. Is this an additional $6,206 is student loans. It's on your credit report.

[B]

Oh, then I don't even know what that one is or who. Who it's with.

[A]

But it's never been late. 37% paid off.

[B]

Oh, that might be on Autopay somewhere.

[A]

Then let me see if the monthly payment matches up with the. No, it doesn't. So this is a new. This is a different one. This is another student. Oh my gosh. Okay, so another student loan, maybe from a previous. No, you opened it in 2020. Me, man. Okay, you owe $6,206. Okay. Lindsay said this is for your bachelor degree.

[B]

If it was 22,300, that would be my master's.

[A]

Oh, I don't know.

[B]

Yeah.

[A]

Wait, what is. What is this one? 15,000. Is that the previous two?

[B]

That might be because they keep changing the providers. That might be the other.

[A]

Doesn't matter. But it's different payments and stuff. Stuff. No, cuz this is a completely different balance. And this was just pulled. I don't know. I'm going to assume. Okay, this one's in federal. I don't know what the other one is. Let's keep it as it is. But the minimums don't line up. I don't know. So it's going to make budgeting confusing. You need to log into all your accounts. But we'll try our best, see what we can do with you. I mean, just bad debt alone. You have $37,000. I mean. No, it's worse than that. But you're told that situation is $388,022 while the mortgage is only 275 of that. You have over a hundred thousand dollars of bad debt. It's. This is insanity. Your income, monthly $7,170.85. Mortgage, $2,323.97. Debt payments besides that? Let's find out. It's not going to be great. And it might be missing a student loan payment. I don't know. Did your minimum payments outside of your mortgage or more than your mortgage? 2,556.29. That's insane, man. Utilities, gas, electric, trash. All this stuff combined. How much Internet?

[B]

That's all in my HOA fees.

[A]

Oh, her 401k was missed. Oh no. We saw the 401k. I just didn't See, there was a loan on there. There's a loan on your 401k that was really old, but is it there?

[B]

Yeah.

[A]

You still have it?

[B]

I think so. It's on my pay.

[A]

Stubborn good death woman. Okay. I'm so. Okay. Yeah. What's your.

[B]

I took an entire utilities.

[A]

What is it?

[B]

Yeah, they're pretty minimal. Like, tell me numbers. 200. I'm trying to think like 150 on average.

[A]

Is that including Internet?

[B]

Internet's included in my HOA fee. Internet trash.

[A]

Is your HOA fee included in your mortgage? I don't think so. So what's your HOA?

[B]

600 quarterly.

[A]

Oh, even still quite chunky. So 200 bucks a month plus 150 for utilities. 350. You're letting your HOA take care of your Internet? That's insane.

[B]

We have to.

[A]

Have to. I would never buy that. They do probably shit speeds. Okay. Phone bill?

[B]

Well, it's prepay it. So it's like $300 a year.

[A]

Well, I don't know how you can afford to even do that at once, but 25 bucks a month? I would do helium for 15. T Mobile's getting in your area. I'm assuming it does. How much for gas? Vroom, vroom. Drive. Drive.

[B]

I work from home, so maybe 25 bucks, but except for when I drive to Atlanta like I did last week. That was.

[A]

How frequent is that?

[B]

$200. Well, it's when I go to concerts.

[A]

How frequent is that?

[B]

Probably never again.

[A]

Guys, I just read a note this post. Show is going to be absolutely crazy. Absolutely crazy. She's about to have to have a crazy. I will let you know in a second. Oh, actually, I have to tell you now because this is just crazy. She recently bought a car for her daughter and she's gonna call her and confront her that the daughter needs to pay her back for the car. $2,000 right now? That's gonna be an insane phone call. Okay, whatever. Car insurance, how much? Okay.

[B]

$90 a month.

[A]

Not bad.

[B]

Maybe.

[A]

Okay. Food? $300. It's just you, right?

[B]

Yes.

[A]

Meal plan, Meal prep. You Medical healthcare? Oh, no, no, not medical healthcare. TP fund. Anything else you need to survive? 150. You do a gym?

[B]

No.

[A]

Probably should thing you got going on medical health care. How much a month? CO pays? Anything?

[B]

Oh, for CO pays, probably about 200.

[A]

Okay. You have any pets?

[B]

Yes, the dog.

[A]

How many?

[B]

One.

[A]

And health. Age?

[B]

One and a half year old.

[A]

Okay. Get pet insurance. Good pet insurance. 50 bucks. How much for pet food?

[B]

He's A big in. Let's see. One bag of food, $75 a month subscriptions.

[A]

40. Anything else that needs to be in this budget that I'm forgetting that is mandatory to survive, not concerts.

[B]

I cannot think of anything.

[A]

Yeah, it's obviously gonna. You need to get more detailed in the dollar wise budgeting app. But this gives us a baseline to plan next steps from here. Let's see if we can. Yeah, you make it by about a thousand bucks. It shouldn't even be close to that tight though. But you're lucky it is. Oh. $6,185.26 is what you need to survive with a very minimal budget. $985.50, $0.09 left. No wiggle room. Okay. Debt388.02 2.80 minus the mortgage of 2.75.03 5.85. We'll also minus the student loans which. Yeah, we were confused about those too. So I think we're killing off the 15,593 minus. Okay. Minusing your student loans leaves us outstanding debt $80,805.18. I might just go through bankruptcy. At your age, it doesn't matter. You already have a mortgage. But then you won't change your behavior and you'll be right back here again. So it takes 81 months to pay off shit. Six and a half years. Will you be around 79? Dude, if you really want a clean state, change your behavior for a couple months and go through bankruptcy. Ain't cheap, ain't stress free, and you don't need stress right now. But this is a lot of stress alone. These payments must be catching up. You must be feeling the bleeding. So if you can change your behavior and live on a budget within a few months, then I'll allow you to go through bankruptcy without your car. You'll still owe on your car, so you'll have to pay that debt. But that will clear a lot of these minimum payments which will make your life survivable. You already have a mortgage, so what do you need good credit for? We already have a car. It's a probably okay car, I'd assume. So what do you need good credit for? Stop borrowing money, stop taking out debt. Live within your means budget. And if your behavior has changed before you do it, you'll live the rest of your life fine. This is insane.

[B]

I don't know.

[A]

Let's have this call at the daughter. That's what I would do. Let's get your hammer. Financial score. Spending in a budget. You overspend. 0 out of 10 debt, no collections, behind on things plus 401k loan. Best I can do is a 1 out of 10 emergency funds. I didn't see anything. 0 out of 10 retirement dramatically behind for your age plus 401k loan. I'll give 2 out of 10 real estate. That's where you at least have an equity position and the rate is not horrendous. This is bad compared to where you came from from real estate situation is not bad. Put a lot of money into the house. But even still with the equity position, I'm happy you have a loan on it. Still technically 8 out of 10 unless there's something I'm missing with like being behind or something, but I don't think so.

[B]

No.

[A]

Okay. That's what's going to pull you up to a 2.5 is not where you should be at 58 out of 1056 get yours@caleb hammer.com now join Hammer Leap by clicking that join button and you can get three premium shows posted every single day, six days a week, including an extra 20 minutes of this show called the Financial Auto Post Show. It's going to be a good one with this phone call, ladies and gentlemen. I'll see you there. We didn't talk about the fact that she

[B]

Coming up One is dollars, the other one is dollars.

[A]

What are you doing?

[B]

And I had no idea it was that.

[A]

Go ahead and call her. I guess. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the PIN comment or description below. This is the best membership you'll ever join. That's a promise. Some follow the noise. Bloomberg follows the money. Whether it's the funds fueling AI or crypto's trillion dollar swings, there's a money stock side to every story. Get the money side of the story. Subscribe now at bloomberg. Com.