$500,000 In Debt To Be Failed OF Model | Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: $500,000 In Debt To Be Failed OF Model
Date: October 17, 2025
Guest: Monica, 25, St. Pete, Florida

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Overview: Main Theme & Purpose

This episode of Financial Audit features Monica, a 25-year-old registered dietitian from St. Pete, Florida, who amassed nearly $500,000 in debt through a complex journey in social media influencing—including stints on various subscription and soft-adult platforms—and significant personal expenditures like buying her mother a house. The episode explores the financial fallout from Monica's decisions, her current transition into a "normal" job, and how her views, values, and family obligations intersect with money management. Host Caleb Hammer delves into her financials, asking tough questions and providing candid advice, while probing her self-identity, lifestyle, and relationship with money.

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Key Discussion Points & Insights

Monica’s Background and Income Journey

• Social Media Start: Monica began as a health and wellness influencer on TikTok in 2020, ramping up her income significantly over four years.
  • Income Growth:
    • 2021: ~$50K/year (brand deals, training content)
    • 2022: $75K/year
    • 2023: $90K/year
    • 2024: $225-250K/year (with help from Snapchat and subscription services)
    • 6 months earning ~$200K ([05:16], [11:04])
• Platform Shifts:
  • TikTok: Info and dance content for a mainly female audience.
  • Snapchat: Shifted to posting selfie/gym pics to a 94% male audience; started monetizing via AdSense, brand deals, and eventually selling suggestive but non-nude photos.
• Further Monetization Attempts:
  • Took offers for posts promoting women’s subscription pages (e.g., OnlyFans proxies), started her own subscription accounts (no nudity).
  • Joined a platform called Fanfics, grossing $50-60K/month for several months ([10:57]).

Downfall and Personal Choices

• Why She Quit: Monica left lucrative subscription work because she felt it was “scammy” and out of alignment with her morals and faith:
  • “Just feeling like it was very wrong... because I felt scammy. I didn't want to sell that.” ([12:04])
  • “It was the sexual part. ... I went full Christian. Good girl.” ([12:16])
• Rapid Expenditure:
  • 15% to managers.
  • Traveled frequently (mostly domestic).
  • “I purchased my mom a house.” — $70K down payment, took out the mortgage in her name ([13:01], [13:18]).
  • Money quickly dissipated: “And I lived and didn’t really think about it because I figured that would last.” ([13:42])
  • Monica now works as a W2 registered dietitian ($6K/month salary).

Current Financial Situation

• Properties Owned:

  • Her House: Bought in 2023 for $247K, current mortgage $193K, rents for $2K/month ([42:45]).
  • Mom's House: Bought in 2024 for $327K, $70K down, $2,421/month mortgage at 8% (high for her mother's DJ income) ([19:11], [20:11]).

• Houses as Burdens:

  • Monica is responsible for both mortgages.
  • Mother’s payments sporadic due to unpredictable DJ income and hurricane impacts; Monica had to rely on her grandmother for help to cover payments ([24:25], [24:39]).
  • Plan is to move to Fort Worth, Texas, to reduce her own cost of living (rent: $1,300/month) ([27:28], [28:41]).

• Debt Load:

  • Total Debt: Approaching $500K (including mortgages, credit cards, IRS debt).
  • Credit Cards:
    • Several cards maxed or heavily used, balances upwards of $10K each; rates at 0% APR ending soon.
    • Notable: $8,945 on a Chase Ink card, $10,406 on another, $12,487 owed to IRS for 2024 taxes ([72:23], [82:36]).
  • Budget Imbalance:
    • Regularly spends $400-500 more each month than earned ([28:01]).
    • Significant overspending on eating out, “bullshit,” and business coaching/courses ($10K for a finance course, $12K in business coaching) ([50:48], [67:51]).

• Financial Habits & Discipline:

  • Did not track expenses until a month ago (“I had never seen my bank or credit card statements before” – [03:04]).
  • Large, unnecessary payments for online courses and coaching without guaranteed value ([50:48], [67:51]).

Family & Values Complexity

• Supporting Mom & Sister:

  • Bought house to prevent her mom and 17-year-old sister from moving into a trailer park ([20:22]).
  • “I said over my dead body you're going to move her into a trailer park.”

• Moral, Religious, and Cultural Threads:

  • Experienced tension between online persona and growing Christian faith; “From Tits online to Christian Christian” ([15:27]).
  • Tithes 10% of every paycheck despite financial strain ([64:27]).
  • Conversation lightly pokes fun at the intersection of religious belief, sexuality, and financial habits (including a “lesbian scale” joke with cohosts, [66:46]).

• Mental Health & Coping:

  • “Really bad OCD”—picks at her skin from stress ([14:49]).
  • Struggled with delegation, overwhelm as a solopreneur ([53:46]).

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Notable Quotes & Memorable Moments

On Her Rise and Fall as an Influencer

• “I started watching your show... I had never seen my bank's, my credit card statements before.” ([03:04])
• “End of 2023, very beginning of 2024, a company called Fanfics...I ended up making $50,000 in my first month.” ([10:58], [11:04])
• “Just feeling like it was very wrong...scammy.” ([12:04])

On Buying Her Mother’s House

• “I bought your mom a house?”
  “Down payment was 70k...and then...I just lived and didn’t really think about it because I figured that would last.” ([13:18], [13:42])
• “You took out the mortgage or did she?”
  “I did. She pays sometimes.” ([19:08])
• “She lost all of her gigs for about two months [after hurricanes].” ([19:45])

On Debt and Overspending

• “All that combined, we're talking almost $500,000.” ([28:01])
• “You spent a thousand dollars on some bull online thing that probably doesn't have anywhere close to what we have.” ([50:48])
• “I was paying $1,000 a month on business coaching before I got into this career.” ([52:57])

On Faith, Change and Identity

• “It was the sexual part. ... I went full Christian. Good girl.” ([12:16])
• “Tithes 10% out every paycheck. It's hard. I know.” ([64:27])
• (On leaving Fanfics) “I realized I just, like, felt empty...what is literally all of this for?” ([61:48])

Classic Hammer Banter

• On Monica’s fluctuating plans:
  • “Are we trying to make a career after? Because that’s what I’m trying to figure out.” ([18:41])
  • “You have to decide—do I always want to film this show? Not necessarily. It's my career.” ([51:18])
• On finances:
  • “If you don't use a budgeting app it's impossible for me to help you.” ([86:07])
  • “With your minimum payments, including a thousand for the mom’s house, you’ve got about $862 left.” ([90:18])

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Timestamps for Major Segments

| Time | Segment Description | |-----------|--------------------------------------------------------------------------| | 00:47 | Monica’s introduction, income background | | 05:16 | Details on influencer income streams and rapid increase | | 10:58 | Joining Fanfics, making $50K in first month | | 13:18 | Discussing the decision to buy mother a house | | 19:11 | Mortgage details for mother’s house | | 24:25 | Using grandmother’s cash gift to cover missed mortgage payments | | 28:01 | Total debt breakdown reaches $500,000 | | 42:45 | Rents out her house, mortgage details | | 50:48 | Discussion of unnecessary course & coaching expenses | | 52:57 | Routine of spending $1K/month on coaching, family involvement in MLM | | 61:48 | Emotional moment: “felt empty...what is all of this for?" | | 64:27 | Tithing & faith practices | | 72:23 | $10,406 on 0% APR credit card | | 82:36 | IRS debt and tax penalties | | 86:07 | Budgeting, expense tracking, and lifestyle adjustments | | 90:18 | Budget math: Surplus, debt payoff plan, 4-5 year horizon estimate |

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Tone and Style

• Candid, irreverent, but encouraging: Caleb intermixes jokes, ribbing, and tough love with practical financial analysis and planning.
• Monica: Open, self-critical, and vulnerable, with a streak of optimism and a growing sense of financial responsibility rooted in her faith and desire to move toward stability.

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Conclusion & Insights

Monica’s story spotlights the precariousness of influencer income, the rapid erosion of windfall earnings, and the dangers of tying family responsibility and spending to temporary wealth. Her pivot toward a stable dietitian career, determination to budget, and willingness to confront hard truths signal hope for eventual recovery—albeit with considerable pain and sacrifice ahead. Caleb's final plan projects 4-5 years to pay off consumer debt (if Monica maintains discipline and a tight budget), with real estate serving as a buffer rather than an asset for quick liquid gains.

Hammer Financial Score: 1/10

“Technically, no. You spent more than you brought in. We saw.”

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Standout Quotes with Speaker & Timestamps

• “Just feeling like it was very wrong … I felt scammy. I didn't want to sell that.”
  — Monica ([12:04])
• “It is what it is. It is. It is what it is. ... Do I have consent to objectify you?”
  — Caleb ([13:52])
• “I spent a lot of money on courses thinking that—wait, how much? ... I was paying $1,000 a month on business coaching.”
  — Monica ([52:57])
• “With your minimum payments, including a thousand for the mom’s house... $862 left. ... I think you’ll be out of debt, have a fully funded emergency fund in about four years.”
  — Caleb ([90:18])

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For Listeners: Core Lessons

• High online income can vanish quickly if not matched with smart, forward-looking choices and restraint.
• Family financial help should fit within your actual, sustainable means.
• Budgeting, tracking, and self-discipline remain essential—especially after a windfall.
• Faith and personal values shape financial decisions in powerful ways, sometimes conflicting with financial self-preservation.
• Major course corrections are possible—but require humility, structure, sacrifice, and a willingness to unlearn bad habits.

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If you haven’t listened, this summary walks you through Monica’s financial world, the personal choices and challenges at its heart, and the tough path back to stability.

Transcript

[A]

You're about to make a trade.

[B]

Which u do you listen to? Is it get optioning those options or let's do a little research. Learn [e-mail] TradeSmart when did making plans get this complicated?

[A]

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[B]

No one forgets mom 60th and never.

[A]

Miss a meme or milestone. All protected with end to end encryption. It's time for WhatsApp message privately with everyone. Learn [e-mail] to watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[B]

I prayed about it and then as I was going to sleep, I heard a voice and I said let me just try. Only f ing.

[A]

Okay. I'm being told you made $200,000 in six months. Where the did that go?

[B]

I purchased my mom.

[A]

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[B]

Hi, my name is Monica. I'm 25 years old from St. Pete, Florida and this is financial audit.

[A]

St. Pete, Florida?

[B]

Yes.

[A]

Very cool. Thanks for coming over to Austin. What do you do for a living there?

[B]

I am a registered dietitian.

[A]

Cool. Can you help me not be fat?

[B]

Sure. Absolutely.

[A]

Advice number one.

[B]

It's all about what you can add, not what you can take away. So everyone's always.

[A]

I can add a lot of McDonald's, the right foods.

[B]

We'll talk. We'll talk about it later date. I don't think this is the time.

[A]

My show. Cool. What are you making in this job?

[B]

I make $6,000 a month.

[A]

St. Petersburg. St. Petersburg. Okay. I don't know as much. Florida is one of the more expensive states. St. Petersburg. I don't really know as much.

[B]

It's 6% above the national average for income.

[A]

As far as like what is St. Petersburg or you.

[B]

No, St. Peter.

[A]

The 6000 hits your account on a monthly basis. Good. How are you living off this 6,000? How are things going?

[B]

It's going good enough right now.

[A]

So.

[B]

I. I have a lot of debt. Clearly.

[A]

Sure.

[B]

So I need to figure out how I can.

[A]

Why not to put your debt On a diet.

[B]

I have.

[A]

Or your spending or your life. Have you? It's what everyone says.

[B]

Yeah. Very recently. Very recently, I will say I didn't pay attention until probably a month ago.

[A]

Not a month ago. What happened a month ago?

[B]

I started watching your show.

[A]

Okay.

[B]

I had never seen my bank's. My credit card statements before.

[A]

You never looked at anything?

[B]

Nope.

[A]

Why?

[B]

Because. Because I felt like I never had to. Because I was making enough money to where I was just consistently saving 6,000.

[A]

I was making a ton of money, which, I mean, is good.

[B]

I was making a lot more money before that.

[A]

What was your job?

[B]

I was a social media content creator since 2020. So I made a good chunk of.

[A]

Money from that since 2020. What are you making?

[B]

I was making. It started in 2024. It was like. No, you said 2020, so 2020, I started on social media. By 2021, I was making 50k, which is like 50k a year.

[A]

Doing what?

[B]

Brand deals, Selling personal training content.

[A]

You were just. Your content was brand deals.

[B]

No, I was a health and wellness influencer on TikTok. So you know how you look healthy. Thank you. Back in 2020, all the big trendy TikTok dances were a thing. So I was like doing the dances and putting information, like healthy lifestyle tips on the screen and that.

[A]

Don't eat greasy food. Pretty much followed by a TikTok dance.

[B]

Yep.

[A]

Okay. But you said you were making more.

[B]

Than this, and then 2022, it kind of crept up 75k. 2023 was like 90k.

[A]

You were doing well.

[B]

Yeah.

[A]

What were your. Do you still have this?

[B]

I do, but I don't really. I just started posting on it again. I went on a huge hiatus.

[A]

Why?

[B]

Because I just didn't want to anymore.

[A]

But you were making a living off of it.

[B]

The algorithm.

[A]

No.

[B]

Changed.

[A]

No, my interest changed. And that the algorithm is literally only serving people what they want to keep them on the platform.

[B]

That's true.

[A]

If you are failing, it's not the algorithm's fault. Sometimes there can be a quick bug, but that corrects itself, typically. Because they want to keep people on the platform.

[B]

Yeah, my audience.

[A]

Yeah. Maybe. If you're still doing health tips with TikTok dances in 2025, it probably doesn't work. But was 90,000 your cap then? Because again, I mean, you're kind of in that world. Gross, right?

[B]

Yeah. It was 90k in 2023, and then 2024, it bumped up to like 225. 250,000.

[A]

What was different? That's crazy.

[B]

Yeah, so TikTok was the original place I started making money from brand deals.

[A]

That's not Adsense, I'll tell you that. Right. TikTok doesn't pay.

[B]

Yeah. The most, it was like 250 in a month from that. So it was mostly brand deals. It was mostly because I was a personal trainer and I was selling online personal training services. And then through that management reached out to me, some management company.

[A]

Oh, deals, yes, sure, that happens.

[B]

They ended up getting me a verified badge on Snapchat as like a public creator there. And that's where I started making the most money was actually Snapchat. So I started that in about 2022.

[A]

It was the same thing, just health, health, health.

[B]

No, because my audience on TikTok was 94% female, so I catered to them with the health and wellness piece. My audience on Snapchat was 94% male. So I posted selfies, I posted Gym Face and I got a lot of views and I didn't know what to do with it. They started paying me AdSense in about 2023. And.

[A]

What do you mean you didn't know what to do with it? It was just gym photos.

[B]

Right. So it's like, how do I market that?

[A]

Did you not go further?

[B]

I ended up going further.

[A]

Ah, okay. See, that's what I felt like this was leading to. Where'd it go?

[B]

So it started off as women commenting under my Snapchat photos saying, 400 for post, 300 for post.

[A]

Huh.

[B]

It means they wanted me to promote their private Snapchat or only accounts on my page.

[A]

Okay.

[B]

So. So I started accepting that because the photos they would send me would just be them in, like jeans and a crop top. So I, for about three weeks, started posting their stuff, and I was making like an extra 1200 bucks a week. So then I found out that that's against Snapchat's community guidelines. And I was doing purely white. Have you heard of those teeth whitening ads? Purely White Deluxe?

[A]

No.

[B]

They, like, ended up hiring me once a week to post teeth whitening ads. So I was doing teeth whitening ads on Snapchat every week, twice a week. And I was getting a base salary of $500 a week, sometimes up to 2,000, depending on when it was like a holiday season.

[A]

Okay.

[B]

So it started that way. It started, you know, I was dabbling, and then all of a sudden I noticed that men were commenting that they would pay me. I put my Venmo in my bio. I started getting Venmos, and then I added A couple select individuals onto my Snapchat and I started selling photos. No nudity.

[A]

This is a load of barnacles. No nudity.

[B]

Nope.

[A]

Ludity.

[B]

Ludity.

[A]

Well, ludity gets close. Yeah, but how much did they spend on that?

[B]

Anywhere from $100 a photo to like $500 a photo. And it would just be like, bra.

[A]

How many photos?

[B]

Sometimes one to five.

[A]

Okay, what were you making off this?

[B]

I don't know. Every week.

[A]

So you never went the online. You never went to Booby Booty, Booty Booty.

[B]

So then.

[A]

Oh, it continues. Okay.

[B]

Then I thought, okay, let me just try only, but not nude.

[A]

Okay.

[B]

So I worked for a bit, Right. So I got up to. I made like $600 in two weeks. And then I was just below the IRS, you know, tax. I didn't want to.

[A]

Also just below you being able to pay your bills.

[B]

Yeah.

[A]

It's not much.

[B]

Right. I got off and then I went back on one more time, one more time a year later, and I ended up spending. I ended up making like 6, 5 or 6,000 in a couple months. Yeah. No nudity.

[A]

Yeah. I mean, you're. Unless for. Unless you're a very specific person. Like, the lewds aren't going to. It's not going to be what takes you there.

[B]

Right. But then.

[A]

Oh, it still goes. Please, please. Yes.

[B]

End of 2023, very beginning of 2024, a company called Fanfics reached out to me.

[A]

Okay.

[B]

And this platform is like a soft version of OnlyFix. You don't have to put Ludity on there. They have the same guidelines as Instagram. So I couldn't do nudity anyway. So I thought, okay, this is a better way to market my content without people expecting more from me. So I went out.

[A]

But the expecting more is what endlessly gets them to keep giving. Okay, sorry, go on.

[B]

So I had managers on my Snapchat account who were posting for me every single day to the point where they were just recycling old photos of me to keep me updated on trend. So I was getting in like 100,000 to a million story views a day. Good traction. So when I started this other subscription account, I set it at $10 and I started promoting it. And the thing is similar to only you could Tip the Creator 5, 10, 15, however much you want to message with them privately. And I didn't want to do that.

[A]

So someone else did it for you. Yeah.

[B]

So I ended up making $50,000 in my first month.

[A]

What the. Okay.

[B]

And then 60 in my second month.

[A]

All from the chat yeah, mostly from the chat.

[B]

I spent 30 minutes on there a day and I would post in the main feed and I would take like 10 to 20 photos videos. I also had a pole, so I was learning how to pole dance. So it was like online.

[A]

Oh, that.

[B]

Okay. But not like no hole. No.

[A]

Okay.

[B]

No nipple, no. Nothing.

[A]

Uh huh.

[B]

But I would, you know, I bought a bunch of lingerie.

[A]

But it was close.

[B]

Yeah, it was close enough. And I would send my managers extra photos and they would go into the chat and bait people for money.

[A]

So how many months did you make this much?

[B]

I started with 50, 60, and then it leveled out at 20amonth.

[A]

That's not bad at all. That is. The $250,000 a year is not something to complain about.

[B]

Definitely not. I stopped that. That's for. Why?

[A]

Was it the objectification? Was it like. What was it like?

[B]

Just feeling like it was very wrong.

[A]

Why?

[B]

Because I felt scammy. I felt like I was. I didn't want to sell that. I didn't want to sell.

[A]

Is it the sexual part?

[B]

Yeah, it was the sexual part. It was sexual.

[A]

Okay, so you're not into that in that life. Okay. You went full Christian. Good girl. Okay.

[B]

Yeah.

[A]

Okay.

[B]

So my managers were not happy.

[A]

Did you just say you started social media up again though?

[B]

Yeah.

[A]

Don't you think that's where it's gonna end up? I mean, for. Not that all women end up there, but that is a very common trend today. Unless you have a very specific type of content that you're doing of which I don't think you.

[B]

So I deleted my Snapchat. I had 420,000 subscribers on there.

[A]

You don't have to go to the extreme.

[B]

I know, but it served no purpose. It had no value.

[A]

Okay. I'm being told you made $200,000 in six months. Where the did that go?

[B]

So. So I paid my managers 15%.

[A]

Well, that's fine. And that's normal.

[B]

I traveled a lot. I bought.

[A]

When was this? How old were you?

[B]

24.

[A]

So last year.

[B]

Yeah. Yep. So I traveled, I went. Not internationally. I just flew domestic. I was pretty frugal on my travels. However, I purchased my mom a. A house.

[A]

You bought your mama house?

[B]

Yeah.

[A]

How much? How much? Possibly.

[B]

Down payment was 70k, so a lot of that went to that. And then not really clothing so much. I just. That's it. I just lived and didn't really think about it because I figured that would last. And then I realized.

[A]

But you stopped.

[B]

I know it would have lasted at least a while. I could have done probably something differently, but I mean, it is what it is.

[A]

It is what it is. It is. It is what it is. May I objectify you for a second? Do I have consent to objectify you? Sure. You're hot. They're substantial. She's very cute. Like she could make money. I'm not saying if you don't want to or it's against your morality. Do it like I'm vibing with whatever you want to do. In fact, I would say, you know, probably don't because it is a little online. Like it's not great and it gets parasocial and some people have been in danger. We don't like that. However you could.

[B]

I could.

[A]

And now you're starting social media back up again. What the is your plan here? Because you're in a normal job now.

[B]

Yep, I'm in a normal job and it's sustainable and it's stable and I love it. I've never had a real job like this. Like.

[A]

But you're sale again. That's sketch. Pull up your online. Pull up your online. Not any of the naughty naughties.

[B]

It's just my TikTok.

[A]

That's for the post. Show you a stressed person. You got picking on the fingers. I do that as well. And I do it from stress.

[B]

I. Yeah, it's not good. Really bad.

[A]

Not healthy.

[B]

Really bad ocd.

[A]

Yeah. Okay, here we go. Yeah, I mean this is substantial. Again, we don't allow people to plug things, so you guys won't know what this is. I will screen record and we'll put it in here, but we'll blur out the name. Okay. But she has almost 600,000 followers. This is not bad. Let's see. Pin comment. About to eat.

[B]

You think that was just random? I didn't.

[A]

Most you look better in person than you do in that video.

[B]

Thank you.

[A]

Oh, Jesus the king. She did go full Christian Christian. I called that.

[B]

Yeah.

[A]

Well done. So from Tits online to Christian Christian.

[B]

And the content that I'm Posting now on TikTok is going through case studies of my clients that I was going.

[A]

To say the content you posted on Tik Tok three days ago got 618 views.

[B]

Right.

[A]

Okay. We're not really going there.

[B]

Yeah, I'm not.

[A]

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[B]

Yeah. So I went from endometriosis to symptom free periods as part of my story. So.

[A]

Huh.

[B]

Yeah.

[A]

What's a metros?

[B]

Endometriosis is the scar tissue that can build up inflammation around the uterus and causes, like, really bad, painful periods for women.

[A]

Why are you doing that?

[B]

I don't anymore.

[A]

Oh, good job.

[B]

Yeah. But I specialize in helping women with their hormonal health.

[A]

Is it, like, removed?

[B]

No, this is not.

[A]

I do not have. I'm not.

[B]

No, I have an. Yeah. It's a little different.

[A]

I've had a skin tag thing there once. That hurt.

[B]

Yeah. That's not good.

[A]

Not good. Can you help me with that?

[B]

Potentially. Yeah. 99% of my clients are female, and they're usually struggling with some sort of hormonal imbalances. So that's what I work with. And I have my personal experience because I regulated my nervous system and now I don't deal with that.

[A]

The hat goes a long way.

[B]

Appreciate it. Yeah. The forehead.

[A]

No, not the forehead. It just balances you out.

[B]

Oh, thanks.

[A]

Yeah. You're a hat girl.

[B]

I like my bucket hats, preferably. Is that, like a thing in Texas? Do people wear bucket hats? Am I going to be.

[A]

It's whatever you want to be.

[B]

All right.

[A]

It's whatever. See, you're still doing a little teasy. This is a little. You know, because dudes will. Dudes will go for that.

[B]

Yeah.

[A]

It's all about periods. And I don't think. Here's the thing. Unfortunately, no one gives a. Because you're not getting views.

[B]

I'm just hoping that something like, just keeping stuff active. I never know what can happen in the future with it.

[A]

The dyed hair.

[B]

Yeah. I did that for five and a half years. That's kind of how my TikTok blew up. Because I had blue hair. Yeah. For a really long time. This is recent. I know. Okay.

[A]

Hey, is that natural?

[B]

This is natural.

[A]

Yes, that's natural.

[B]

I did like it. I really enjoyed it. I was a hair model, so I got paid a couple times a year to model at hair shows.

[A]

Oh, see here? This is back on the tease.

[B]

That was a while ago.

[A]

Yeah. And that's what dudes are. So we're not trying to sell because this is on the tease as well. Like, what's the content we're trying to do.

[B]

I'm just Trying to cater towards my ladies at this point.

[A]

But are we trying to make a career after? Because that's what I'm trying to figure out.

[B]

I have a career.

[A]

Okay, so we're not trying to career on this. We want to do this good.

[B]

This decide if I got paid $10 from TikTok in the past month for starting back up.

[A]

Well done.

[B]

Thanks.

[A]

Well done.

[B]

Ten bucks.

[A]

Well done. Yeah, I'm being told, I guess your mom's house is this first one. So you put 70,000 down, but did you take out the mortgage or did she?

[B]

I did.

[A]

For your mom. You took out a mortgage?

[B]

Yeah, she pays sometimes.

[A]

Sometimes? What is sometimes?

[B]

She was. And then.

[A]

I love the heart of it.

[B]

I know one of my goals is.

[A]

To pay off my parents mortgage. So I mean I get it, but like what the.

[B]

2024, May 2024. I bought it, she paid June, July, August, September. And then we got hit by hurricanes. Two hurricanes back to back.

[A]

Last year. Okay. I was going to say. Cause nothing's really happened this year.

[B]

Yeah, last year. And she's a full time dj, so she lost all of her gigs for about two months.

[A]

What the. Yeah, you're a part a full time dj. Not reliable income. And you're getting a mortgage under your name with the expectation of her paying for it. I can see what would go wrong. Yeah. What does she bring in normally when she has her equipment not destroyed by Helena or whatever the hit last year.

[B]

Four to five thousand a month.

[A]

No, this is a monthly payment of $2,421. That's insane. That's half her income. Why would you do that to yourself? Why would you do that to yourself?

[B]

I just. That's a thought. This was my thought process. She called me one day and she said hey, I'm moving from my rental and I am gonna try and save money so I'm gonna move into a trailer park and I have a 17 year old sister and. And I said over my dead body you're going to move her into a trailer park.

[A]

But it's one year, right?

[B]

Two years back then. Yeah, she was 16 so she's. She was like a sophomore. So my mom, I didn't want her to go that route because.

[A]

And the only option was instead of maybe covering her rent for a year because you thought you were making an infinite amount of money forever is to get into a 30 year mortgage.

[B]

Yes.

[A]

By the way, an 8% interest rate is. Because that's not even where rates were.

[B]

Yeah. So it's an A frame and it's really cute. And she said when my.

[A]

I don't even know what the. Why do we.

[B]

When my sister is out of school, we're going to turn it into an Airbnb or a rental.

[A]

Good luck.

[B]

A good amount of land.

[A]

Good luck. Airbnb market. Yeah, you're in Florida, but guess what? Tourism market.

[B]

I disagree.

[A]

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[B]

It's a really cute rental.

[A]

Is it on the beach?

[B]

It's less than a mile from the beach and it's right. It's like.

[A]

I mean, yeah, you'll probably get some here and there.

[B]

It's.

[A]

It's also St. Peter's it's.

[B]

So that one is in Tarpon Springs.

[A]

Is that where we go? Do we go to Tarpon Springs?

[B]

It's a really old Greek city and it's super quaint for like married couples.

[A]

I'm getting a thumbs up.

[B]

Yeah, it's cute.

[A]

Okay. Well done. Yeah. You got an 8% rate on this house. And I mean, you kind of suggested that she hasn't paid since last.

[B]

She's paid. She paid back. So we both got a forbearance. So I got a forbearance on both properties.

[A]

Both. You own a house?

[B]

Oh, yeah. So, yeah, I do.

[A]

So why did I have a note you were considering moving to Texas? If you have two houses there, that's.

[B]

Also a. Yeah, that's a lot to get into.

[A]

But also your job.

[B]

I work remote.

[A]

You have a house. When did you get this house? This other house?

[B]

2023.

[A]

So that was before boobies.

[B]

Yes. That was based off of just brand deals, social media, you know, so I was doing pretty well. And then I got a lot of money and I spent it really fast.

[A]

It's all gone. It has to be.

[B]

It's all gone.

[A]

Cause there's nowhere on the show unless you have substantial debt. Okay.

[B]

So she paid up until. Well, like, we took out the forbearance. Then she was behind, but then she ended up reconciling that in the springtime. She was ahead. She was. Or she was on time. And then July, August, September, she did not pay this year. This year. And the.

[A]

Now what? Now what?

[B]

The only reason I was able to reconcile July, August was because my grandmother sold her house for cash and she gifted me. Yeah.

[A]

Why?

[B]

I didn't have the money. My mom didn't either.

[A]

Well, why'd your grandma gift her own money? She gifted you the payments for the mortgage?

[B]

Yeah. July, August.

[A]

Are you gonna sell? Why are you moving to Texas?

[B]

So it's a lower cost of living. And I also. I said a prayer and I said, God, I'll go wherever you want me to go. And. And he pointed Fort Worth out to me, and I just. It's a whole thing. So I have a tenant renting out Fort Worth. Yeah. I don't know what's in Fort Worth.

[A]

The rodeo. And.

[B]

Yeah, it seems nice.

[A]

That's a drivable infrastructure.

[B]

Yeah. So I'm.

[A]

That's it.

[B]

So I have two properties. I'm a little bit. It feels drowning. Yeah, very much.

[A]

I think Brandon from Fort Worth, the translator of the show, you know him, was quite interested until he heard all the Christian prayer stuff because dude needs to stick it in in order for him to.

[B]

Oh, boy. Yeah, that's a deal breaker.

[A]

Yeah. Sticking it in.

[B]

Yeah, it's a deal breaker.

[A]

We wait till marriage.

[B]

Yes.

[A]

You too. Okay.

[B]

Okay.

[A]

Good luck, guys. We'll send you on a vlog date after this.

[B]

Great.

[A]

Well done. Maybe if you're lucky, Brandon, by the third date, you'll get a handheld maybe. It's so interesting because you literally were posting, like, it had to be like a half an inch away from full hold exposure in areola.

[B]

I didn't even do really provocative poses or anything.

[A]

Okay. And then mom's house. We still want to Keep it trying.

[B]

Yeah.

[A]

With mom staying in there. So you said move out once. Where are you going to? Where is she apparently supposed to go? Post sister moving out.

[B]

That we don't know. I think she wants to buy a van and do van life.

[A]

The is wrong with your mom? She sounds so weird for an older person.

[B]

Yeah.

[A]

Like, if it was you, it's.

[B]

Yeah.

[A]

What are you showing me?

[B]

Like, the skin issues is from. You know, we have an interesting dynamic. So, like, I'm pretty much the mom and she's pretty much. Yeah. So when you hear us on the phone talking, you'd be like, I don't know who's who, kind of. I give a lot of advice. I try not to lecture her. Cause then she gets really mad.

[A]

Well, yeah, I don't think parents like that from kids. Yeah, specifically. I guess we'll look at the grandma's house first, and then we'll get into these other statements. Not grandma's mom's house. And then we have a lot of credit cards to go through. But $6,000 is what comes in. Yeah, I would say if you have to make a $2,500 payment on one house, and then you have another house as well, and we're trying to move. When are you moving to Fort Worth?

[B]

By September 27th. I'm driving out here.

[A]

It's official.

[B]

Yeah, we're in September. I have a place.

[A]

This is in 10 days?

[B]

Yes.

[A]

Wait, what the. Why?

[B]

What do you. I'm flying back and then I'm driving out here.

[A]

Why do you have to do this now?

[B]

Because that's timeline.

[A]

No, you're.

[B]

I have a tenant for my place, and I'm paying off.

[A]

You spend identical to what you make.

[B]

Oh, yeah.

[A]

Well, actually, compared to payroll, you actually spend 500, 3, 4. $400 more than you make.

[B]

Yeah.

[A]

You have substantial debt. Not mortgages. We're talking over $20,000. All that combined, we're talking almost $500,000. No, actually, no. Because there is an additional Chase Inc. Card with 9000, and then Wells Fargo 10,000. 5. Wells Fargo Bank Card, 1500. How are you moving?

[B]

Because I have a tenant who's taking over my mortgage, and I am moving into a place that's safer if there's.

[A]

No expenses that pop up. Do you have a rental property management company?

[B]

I don't, but my neighbor.

[A]

Oh, your neighbor. Your neighbor. What?

[B]

She's really reliable with stuff. If I need her over there in, like, two minutes.

[A]

Oh, you're.

[B]

Yeah. So Fort Worth. My rent here is 1,300 and my tenants are paying 2,000 at my home, so I am going to be spending significantly less.

[A]

Just don't get it away from the beach, away from the tropic, away from the food.

[B]

No. It's devastating. I love St. Pete.

[A]

Maybe your prayer was wrong and you needed a second one.

[B]

Don't think so. The living situation I got here is pretty. Pretty great.

[A]

Yes. Cause no one wants to live there. It's out of desperation.

[B]

No, not at all.

[A]

Come on.

[B]

Okay. But it was nice not having the finances to be able to go on Airbnb. So I found the place I'm staying on. Airbnb. Host. It's a four bedroom. I do have three roommates, but they're all awesome, so I'm happy about it. I like being with people. I'm not.

[A]

What if one's a gay? So New age Christian?

[B]

No. Oh, I love everybody.

[A]

But when they bring over a flap.

[B]

To flap with, just cause I don't agree with someone's lifestyle doesn't mean I'm gonna.

[A]

There it is.

[B]

Yeah.

[A]

Fire and brimstone. Ah.

[B]

Are you trying to like, classify the type of Christianity based on. Okay, no, I'm with you.

[A]

But you're also going to be living in a roommate situation. Going from owning a house to living in a roommate situation.

[B]

So trust me.

[A]

I with everyone. I with the Christians. I with the gays. I with the blacks. I with the Mexicans. I with everyone.

[B]

I know. I know. So the cool thing is, the first six months of this year, I hosted Workstay volunteers in my house. So I was living with people. Anyways.

[A]

You say these people are great. How much do you know about them?

[B]

I just met them. I really enjoy their company. We have similar values.

[A]

Three women.

[B]

Yeah.

[A]

Three hardcore Christian women.

[B]

Yeah.

[A]

Oh. Fort Worth, ladies and gentlemen, we get along.

[B]

We've had sleepover parties already. Some friends have come over from one of the girls.

[A]

Christian women have on sleepover parties.

[B]

Yes.

[A]

Ladies and gentlemen, a financial audit. This is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it and now we put it all into one program called Dollar Wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance, all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way, what's whatsoever like literal tens of thousands of people have done with our programs. Go to Dollarwise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollarwise.com let's go.

[B]

They made cookies. That's about it. That's all we got.

[A]

Taste the tea.

[B]

Oh my gosh bro.

[A]

I would like to see.

[B]

So yes, it's a good situation. I'm happy with it. And I'm gonna be spending less money out here than I would at home. Granted. I would love to.

[A]

I hope so. You'll be depressed in your car infested infrastructure that the only thing you'll want to do is escape and go spend money or order things to your house.

[B]

There's trails, there's lakes. I just, I walk, I go, I watch the sun set like relatively.

[A]

The sun always sets no matter where you are.

[B]

That is true. Yes. We're good. I got things to occupy me. It's fine. I'll be fine.

[A]

That happens once a day by the way. And it's usually late.

[B]

Yeah.

[A]

What do you think your finances are score? 0 to 10. 0 being the worst, 10 being the.

[B]

Best, like a 2. Just because I have real estate.

[A]

You do have real estate. I don't. Let's see if it's even good real estate though. I mean that's the big question. Okay. If you want to know where you stand in the world of finances and if you should start an of, go to calebhammer.com take the financial the Hammer Financial Score quiz. See where you stand, where you need to improve, where you need to do better. It is free, only takes a few minutes. And also if you don't want to be like a guest who shows up on this show and asks her at an OLAF to pay their bills, make sure you download the dollar Wise budgeting app. That's what this show is powered by. It is my preferred and favorite budgeting app. Take the free trial and if you like it, sign up for the annual version to save a lot of money. And when you do, I'll sign my budget friendly cookbook mail directly to you. And there's only a couple months of that left and then they're going to go away forever. Dollarwise.com to learn more. All right, so again, yeah, this mom house. Let's. Let's write down the debt. Cuz this is a situation. I'm going to have you pull up the address while I write down the information.

[B]

Okay? Beautiful.

[A]

You allowed to use screens in your denomination?

[B]

Yes.

[A]

What denomination are you? I was raised Wesleyan.

[B]

I don't really have a denomination, but I would say I'm more Pentecostal.

[A]

Is that stoning the gays or is that bringing them in?

[B]

It's like just very spiritual, like hippie, just, you know. The Pentecostals speak in tongues. Yeah. They pray very charismatically and they believe in healing and like all the things that are backing back on.

[A]

Except for the tongue thing. It sounds like Christianity, but.

[B]

Yeah.

[A]

You're just making sounds perhaps.

[B]

I don't know. I don't do it.

[A]

May you make a sound for us right now.

[B]

I don't know what to do. They just say. They just like. I don't know. It sounds like they know what to do.

[A]

I just love an example.

[B]

I don't know, bro.

[A]

What have you heard before, bro?

[B]

Like they just go. And they like move their tongue really fast.

[A]

What is that doing?

[B]

And it's apparently speaking in the heavenlies and like to the heavenly realms. And let's say you were prophesying or talking to someone or praying over someone in a different language. They may be able to understand what they are saying or be able to feel the Holy Spirit more through that. I don't know. That's the one. Like, debatable. I'm not quite sure. I haven't researched it that much. But I've been around people that speak in tongues. I've been to Pentecostal churches where they're all like going for it and it's an interesting experience. It's pretty powerful.

[A]

Good tongue practice.

[B]

Yeah.

[A]

For the sleepovers.

[B]

Great.

[A]

It's weird. I don't know. Again, I was raised Wesleyan. I'm. I. I don't know. Well, religion. I. I am. I'm. I'm a believer of God. It's very interesting.

[B]

What's was where I am?

[A]

I think it's Midwest. I don't know, like a sub denomination. That's where I was raised. But I've never heard of like da da da da da.

[B]

I don't know. I didn't go to church to find a denomination.

[A]

Here's mom's house. It looks like something out of a.

[B]

It's a little fairy home Tim Horton movie.

[A]

It's cute. Cute is luckily a subjective word.

[B]

Yeah, that wasn't a good reaction.

[A]

It is definitely a Form of an.

[B]

A. Yeah, it has a balcony in the back. It's a two story.

[A]

It's random.

[B]

It's cute. Okay.

[A]

Lots of questionable reactions. Also, especially for the renting in the Airbnb. Looking at the street view and stuff looks just like a very trashy area. Is that where someone's going to want an Airbnb?

[B]

I don't think it's trashy. The houses on the street are pretty nice. Like in the neighborhood.

[A]

Dude, I'm doing street view around it. It looks like a trailer park.

[B]

Yeah, there's a trailer park nearby.

[A]

So it's close to the bayou. Not even the ocean. Right?

[B]

It's close to the ocean, sunset and Fred Howard.

[A]

Okay. Yeah, Yeah. I mean, there's an equity position in the house, thank goodness. But that's mostly because you put it down. Other than what you put down, what did you buy it for?

[B]

327?

[A]

Well, that's what it's worth, apparently. So good luck if you have to sell this because you will lose money after fees and whatnot and closing costs and all the goodies.

[B]

Yeah.

[A]

Really hope you don't. But again, where's Mama gonna go? Have we. Did you answer that?

[B]

A van.

[A]

That's right.

[B]

Yeah.

[A]

Okay. And that's certain that you're gonna be able to rent this house out and not pay this mortgage? You've agreed? She's agreed to this?

[B]

Yes.

[A]

Okay.

[B]

I'm just. Yeah. So we're caught up to September, but the grace period was September 15th, and I texted her yesterday, and we have not paid the mortgage for September. So there's another. It's a $95 late fee every couple weeks until she pays it.

[A]

What are you doing? Yeah, until she pays it. And you're not going to because you don't have the money. Right?

[B]

Right.

[A]

What?

[B]

The sister doesn't work and she doesn't work.

[A]

That's fine. I mean, your sister's not necessarily required to. It's good to get some work experience, but.

[B]

Yeah. Yeah.

[A]

You're behind total do 5000. Sake.

[B]

So that was covered.

[A]

Yeah, but now it's not again.

[B]

Right.

[A]

So we're about to have a double payment again. And Grandma's not gonna give it this time. This is.

[B]

It's really bad. Yeah. Oops.

[A]

Wait long enough. And Doug, here we have the limu emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, limu is that guy with the binoculars watching us. Cut the camera.

[B]

They see us only pay for what.

[A]

You [e-mail] Liberty, Liberty, Liberty. Liberty Savings Fairy, underwritten by Liberty Mutual Insurance Company and affiliates. Excludes Massachusetts. Enough without someone coming into bail and you lose the house. And that 70s gone.

[B]

Yeah. Yeah. If worst case scenario, I am going to have to make a tough decision and get renters in there that will actually pay. My relationship with my mom has been rocky. I really don't want to have to do that.

[A]

And again, the mom relationship. Are you gonna kick her out?

[B]

Right.

[A]

Are you?

[B]

I really hope it doesn't get to that point.

[A]

And then there's your house. And then we'll get into the, you know, juicy debt specifically. But if we're talking about the, you know, obviously these are massive expenses and we're moving to Fort Worth. How did the Fort Worth come to you?

[B]

I prayed about it. And then as I was going to sleep, I heard a voice that told me, well, it was my voice. It wasn't like a deep, dark, mysterious voice.

[A]

Well, you know, that's a very normal thing when you go to sleep to hear a voice.

[B]

Yes.

[A]

You're in that mixture between dream space and space, especially when you're very stressed. That could be a common thing that pops up. I mean, it's rare, but it's a normal thing.

[B]

Yeah. So there was a location, and then it was like confirmations over the past couple of months. I didn't actually seek out tenants.

[A]

Targeted ads after you searched Fort Worth?

[B]

No, like, more physical, because I was at a. I was serving with my church, and I was in a kitchen helping refurnish.

[A]

You are a woman.

[B]

Yes. And I went down.

[A]

She likes it. She's a trad Christian.

[B]

I saw a book, and it was from the woman that we were refurnishing the house for. And it was a Bible study. And at the bottom, there was a location of the ministry that it was from, and it was Fort Worth, Texas. And then after that, I kind of started to research Fort Worth, and I'm like, okay, I could. If I'm gonna.

[A]

No, I could live on a highway. Yay.

[B]

I could live there if I had to. So then I said, all right, well, I'm not gonna look for tenants if this is really where I'm supposed to end up. I know that God will provide me a tenant. And within three weeks, one of my old friends who, like, I recently reconnected with, reached out to me looking for a place in St. Pete. And lo and behold, she ended up signing the lease a few days or a few weeks later. And in that meantime, I found the place that I'm living now. And if, for what it's worth, my neighbor parks two vans on my front yard. Oh, $200.

[A]

You're not selling it. Oh, if it's that kind of neighborhood. Okay. On this house you owe 193. $480.45. Minimum payment. A thousand seven hundred and five.41. I've also come to the light. You have? I've come to the like.

[B]

Okay. Yeah.

[A]

But man, it was fun.

[B]

Yeah.

[A]

Yeah.

[B]

You remember being a. I really wasn't. I was in a long term relationship.

[A]

Oh, you should have been a. I.

[B]

Had like one hookup.

[A]

That's a single, single one.

[B]

One experience. And then was like, no, not for me.

[A]

Listen, they use. They use. Someone hears now and they hear insulting. But I love being so much fun. This is. This. It's like. It's a praise. Honestly, if you call me.

[B]

Yeah.

[A]

That means I was getting laid. Right?

[B]

There's actually a biblical term.

[A]

Sure, I bet. What does it mean? Amazing man.

[B]

Sure, we'll go with that. Yeah. I believe you were and still are.

[A]

No, I've become a better man.

[B]

Wanted a family.

[A]

Barely. I do want a family. Barely. Barely. Equity position in this house. What? But what did you put down on it? What did you buy this for?

[B]

I bought it for 247.

[A]

Oh yeah. I mean, it's barely gone up. So you're probably again, if you had to sell us today, you would lose money. What's your rent? Hi. Listen here, Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Webull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount, and up to 8.1% APY on your money and up to 3.5 for your IRA. And then number two, a great new checking account that I've switched over from SoFi and it's called Chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up. Incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area. Switch to helium. Get literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer financial score and see where you stand in the world of finances. Take the [e-mail] you will not regret any of these. Change your life today.

[B]

They're renting it for 2000.

[A]

Oh, okay. That's honestly not a lot of wiggle room because. Yeah, $2,000 when you're setting money aside. 3% at a minimum basis for any future vacancy and an additional 3% minimum for any future repairs, which by the way, that's honestly not enough. I would double those each. You're not making money, but at least you're covering the cost. But if a roof has to be.

[B]

Replaced, which 20, 22 maybe.

[A]

Okay. It's a small house, right? Very small.

[B]

Hundred.

[A]

It's a two bed, one bath. Who the would buy this from you? Because it's a very interesting thing. Like people don't buy these houses anymore. There have to be some kind of business opportunity. 802 square feet foot.

[B]

Yeah, with the garage, it's. It's larger, but I, I didn't have any plans on selling it, honestly. And I have a decent size backyard, so I can put like a secondary structure on it eventually, but.

[A]

Oh, I don't know if I would do that, honestly. Okay, let's move on from the real estate. But you got a 6% rate on here. Here's the juice. Oh, she's ashamed. She just. And she's ashamed and.

[B]

All right, we'll get into the juice.

[A]

I guess I used to feel very bad when I back at like 15, 16. Yeah, you're like the first thing, like, I don't think we've had like, it's just so interesting to talk about your religion because we just don't have people that are just like religious on the show.

[B]

I know. I.

[A]

So this is such a different conversation. I'm so goony right now. Goony for religion. Sapphire preferred. $3,870.20. What is going on with this card?

[B]

So I went on a trip for my dance team. We were competing and booty on stage.

[A]

No, that's illegal.

[B]

Actually, I did not. But I went and I didn't watch. No, I was on stage, but I. I'm on a hip hop. I was on a competitive hip hop team out of Orlando.

[A]

Now that's the devil's music.

[B]

And that's what makes it look like hip hop. Not necessarily. It is secular. It depends on the messaging. We did dance to get it Shoddy by Lloyd. So it was a sacrifice to leave that behind. That was definitely one of my. My loves.

[A]

Continue.

[B]

So I went there, I put the Airbnb that we were all staying at on my card, and then I had to pay.

[A]

How'd you pay for that?

[B]

Because I did you.

[A]

But did you take the money that they gave you and pay on it?

[B]

Yeah.

[A]

Okay.

[B]

Like maybe 80% of.

[A]

Okay. Why. Why not the total?

[B]

Because they pay.

[A]

Why is it on you to put it on your card?

[B]

Because I like to mom, I guess. And I wanted to a space where I knew that I would like. And I wanted to make sure that I was covering the groceries and stuff and have I like, looped the grocery cost into the stay. So I had people pay for everything so that I could do a big Costco haul when I got there. So a lot of that was like.

[A]

I mean, dude, this is almost maxed out. This is almost maxed out.

[B]

That did happen.

[A]

It was over. Maxed out at the beginning of the month by far. And he still purchased $202.48. Well, $95.26 of interest accrued. Hey, if you don't purchase on this and you make your minimum payments, how long does it take to pay off?

[B]

Probably like 15, 14.

[A]

Pretty close.

[B]

So it had an as long as.

[A]

You can get married in the church, right?

[B]

Yeah, I guess. Out of balance, I don't know.

[A]

That's more Catholicism. Yes, actually, that's more like eight.

[B]

Okay. Anyways, $18,000 was my limit until the summer and then they dropped it to 4,000, so.

[A]

Good. How? Because you're looking like an untrustworthy person. Listen, I'll let you use the fizz card, debit card. That builds credit because at least you can't yourself like you are with this. But this is crazy.

[B]

It is crazy.

[A]

Do you drink? Do you do any drugs? I'm so interested. You're like a little. I wanna. You're a creature. I wanna study your life. Like you're living such an interesting life. Because no one your age does this.

[B]

No, I don't smoke, I don't drink, I don't do drugs at all.

[A]

What's your vice? Do you do caffeine?

[B]

My vice is picking up my skin.

[A]

Do you do caffeine?

[B]

No. That's like a lot for me. That's like. Brandon told me it was 60 milligrams.

[A]

Uh oh. She talked to Brandon before.

[B]

Little tough.

[A]

Uh oh. Brandon and her had tea before the show.

[B]

Oh, wow.

[A]

Whoa. Sticking it in the butt later.

[B]

My vices Sweets. I like sweets. That's about it.

[A]

Okay. I'm just very curious. This is a very odd episode, but tea boba, that's caffeine.

[B]

Yeah, a little bit. Okay. But boba tea, it's illegal potentially. What do you mean? Caffeine's illegal for a lot of religions.

[A]

The Mormons.

[B]

Yeah, I'm not, I'm not Mormon.

[A]

Well, who was right? Who gets into heaven? I'm afraid it was the Mormon. Not many denominations of Christianity. And like what's it called?

[B]

I don't know.

[A]

Robert was raised something weird.

[B]

But like I'm not religious. I have a relationship with God, but I go to like a non denominational church. Yeah.

[A]

Rebel. Okay.

[B]

This is. Yeah, my statements are very rebellious, as you can see.

[A]

Instacart, not really a good use of money when we can't pay off our cards. Then yeah, there's the Airbnb, but that was the small minority of like what you're doing actually. And Starbucks. You've had fees this year. I think that's probably the annual fee though. And $358 of interest accrued.

[B]

Yeah, pretty bad. I will say I was spending a lot more the first half of the year because I had work stay volunteers living with me. So they were helping me. This was the time where I was still like, I can do it. I can make a living off of social media and hosting in person events.

[A]

And that why you bought like one of those like thousand dollar like bull online courses, which there's many good ones. But even still all of our educational stuff, it's like that. The debt class, the budget class, the investing class, the real estate class, the recession class, the beginner class, all that which has the lowest refund rate in the industry by far and change ten thousands of people's lives, literally that people can get all of it for what is it? 197.

[B]

Yeah.

[A]

What the. You spent a thousand dollars on some bull online thing that probably doesn't have anywhere close to what we have.

[B]

Yeah.

[A]

I hope to get access to a private discord. Oh my goodness. Tell me about it.

[B]

That was back in December, right before 2025. I was like, this is my last ditch effort in trying to redo socials and see if I can make a living still just brand deals about periods.

[A]

Like no one gives a. Yeah. So I mean there's advice.

[B]

Number one, I'm not passionate about like the stuff that I was posting before. So I just did that and I tried. But.

[A]

But you have to decide like do I always want to film this show. Not necessarily. Yeah, it's my career.

[B]

Yeah. So I bought a thousand dollar course because I met the people in person and I. They made it seem like it was. They were giving me brand deals to post like face masks and stuff. And so I basically broke the if.

[A]

You have to buy into making money.

[B]

Yeah.

[A]

It was very pyramid y almost in a way.

[B]

Yeah.

[A]

I had probably wasn't on the technical of. You have. Yep.

[B]

I was in a multi level marketing company.

[A]

I'm not shocked. It seems you kind of follow and fall into things quite easily.

[B]

Yeah, my parents got me into it.

[A]

Have you been in a cult?

[B]

I would consider that it was pretty culty, but no like a religious pyramid.

[A]

Your parents got you into the pyramid?

[B]

Yep.

[A]

How the.

[B]

I was 16, they started with this company called Isagenix. I went to with them. Yep. And then when I turned 18, they signed me up under them and they told me that I was gonna make a bunch of money going to college selling meal replacement shakes and cleanses to RO students. And that did not go very far.

[A]

The course that you got, the thousand hour one, was there 100% money back guarantee no matter what?

[B]

I don't think so.

[A]

Never buy one unless you do. Because all courses listen online again, there are actually good ones. We do some good ones. I'm friends with people that do some good ones. But if they don't have a 100% money back guarantee no matter what, no questions asked like we do, then I wouldn't trust it because that means they're just trying to capture your money and run. We're confident that we provide value. So people are willing to like okay, yes, you like let me pay you for the value. Yeah, like what the is insane.

[B]

I know. I spent a lot of money on courses thinking that wait, how much investments, how much? So how the much. I was spending a thousand dollars a month on business coaching before I got into this career. Like I'm a W2 as of February. But before that I was really trying to build my private nutrition practice. And for a while it worked because I was getting the traction on social media. But then when that died, I didn't want to pay for ads. So I thought that I could hire for tools, resources to systematize things. Cause it sucked. It sucked wearing all the hats, pun intended. Because I was like the marketing person, I was the salesperson, I was the website tech, I was the dietitian. It just became so overwhelming. So I was like, let me take some of this off my plate. Let me hire people that could actually Support me.

[A]

The business coaches were friends of yours, though?

[B]

Yeah, friends of yours.

[A]

Here's the thing, dude. Even literally a valet the other day at a sushi restaurant, he's like, oh, I'm a fan of yours, man. I've always been interested in taking the classes. And I just literally emailed Lindsey and we just gave them the classes. If they're friends of you, like, that's just a random person I met. If they're friends of yours, why the are they charging?

[B]

That was their business.

[A]

Yeah, but they're friends of yours. This is my business. But I don't.

[B]

Like, I never learned that everything in my life has been transactional. Yeah. So I don't. If it's a friend, I'm paying for their time. If it's a friend, they're paying for my time. That was just how I thought things went.

[A]

That's weird. I mean, it can. I like supporting friends if they have a business, but if they require and they're not even willing to offer, I'm like, I don't know.

[B]

Yeah. So that was 12,000.

[A]

Are you saying you've never helped out a friend without them paying?

[B]

I have now. Now that I realize that that's okay.

[A]

Wow. Merry Christian Review. Okay.

[B]

Yeah, this is new.

[A]

Okay. Platinum card, Visa, Wells Fargo, all of them combined to the cashwise Visa Platinum. Well done. What's going on with this card? You purchased $1,131 $22.93 of inches accrued, made a $25 payment. Kill me now. It's a $42 minimum payment now with a balance of $1,812.63. 11 years to pay off if you don't purchase, which good luck. Based on what we've seen, what's going on with this card?

[B]

Couldn't tell you. I literally just spent on my cards. A lot of that was me before I transferred all of my recurring like my monthly business expenses onto my business debit card, which I have now done realized consistently.

[A]

Business debit card you made what, what did you say? $20 last month in your business?

[B]

No. So my self pay clients, I make between 800 and 1000.

[A]

So are you setting money aside for taxes for that?

[B]

Yes.

[A]

You are? How much?

[B]

Well, I was and then I'm currently paying. Oh yeah, my 2024 on a payment plan. So. 2024.

[A]

What about 2025s?

[B]

So I'm making about 800 to a thousand dollars.

[A]

Are you making quarterly estimates?

[B]

Not right now, no.

[A]

You're going to be forced to. You think this Year, but probably next.

[B]

I did until penalties.

[A]

You did. Now you're going to be facing penalties then. This year you will be facing penalties if you're not hitting them. In fact, yesterday Q3's estimated was due.

[B]

Did you pay? Nope.

[A]

Good. You faced about, I think a 10%, 12% penalty. I think.

[B]

Yeah, that's because as the year goes on, now that I have a W2, I was thinking.

[A]

Oh wait, W2. I'm confused. Are you contractor or W2?

[B]

I'm a W2.

[A]

Okay, then you don't.

[B]

And I have my LLC still on the side. So I make the vast majority from that W2 now. And that LLC is supplementary. So by 2026 getting a pay off or so.

[A]

I'm sorry, what's going on with this card?

[B]

Probably monthly stuff. Probably monthly.

[A]

Apple Bill, High store, Phoenix, you got some Dutch Bros Grounds on second.

[B]

Yeah, that was my Arizona coffee going.

[A]

In, getting some BS going in. Getting some BS from the gas station. Hip Hop International.

[B]

Yep.

[A]

Naughty Naughty Devil's hockey team.

[B]

Whoa, wait, what was that one? Oh, I don't.

[A]

$37.84.

[B]

It was at the arena. I bought popcorn. Watching the finals. Yep.

[A]

Going against some bull. Zen burger. Apple bill, $100 in interest this year so far. $25.24. Pull up your phone. I want full access. And I know I'm not gonna stumble upon anything bad in there with you.

[B]

So where are we going.

[A]

Again? This is the least risky phone I think I've ever had. Okay, we have iCloud Plus. That's fine. Obviously it's not great always. You know when we're dying in debt. Chat box. But it's pending cancel.

[B]

Yeah, Chatbox.

[A]

I don't even know what that is. Capcot. Also pending cancel. But you're trying to get back on the social media game.

[B]

I just.

[A]

Yeah, and Dell Focus Sleep. But also pending cancel. And we've had a lot of subscriptions as well. Looks like it looks like you get lots of subs and then you. Okay. Interesting.

[B]

Yeah.

[A]

Oh, Amazon's not downloaded. Do you do Amazon?

[B]

I have an Amazon prime, but I don't really buy anything other than for friends who need Amazon Prime. I'll like buy stuff for them.

[A]

Which they better pay you immediately.

[B]

Yeah, they do. Yeah.

[A]

You know the CEO of this company is gay.

[B]

Thanks for the information.

[A]

You can Shop Smart. We love Tim Apple. Big fan. Made my stocks go woo.

[B]

We don't touch that.

[A]

Well, socks is greed and greed.

[B]

Okay, I see where you're getting 3,000. This episode is brought to you By Amazon Business. We could all use more time. Amazon Business offers smart business buying solutions so you can spend more time growing your business and less time doing the admin. I can see why they call it smart. Learn more at Amazon Business. Hey business owners, we know you know the importance of maximizing every dollar. With the Delta SkyMiles Reserve business American Express card, you can make your expenses work just as hard as you. From afternoon coffee runs to stocking office supplies and even team dinners, you can earn miles on all your business expenses. Plus, you can earn 125,000 bonus miles for a limited time through October 29th. The Delta Sky Miles Reserve Business Card. If you travel, you know, minimum spending requirements and terms apply. Offer ends October 29, 2025.

[A]

$38.93. By the way, I'm goofing. I'm gooning and gaffing with her. I I like I very much respect.

[B]

We are not offended.

[A]

Yeah, I know, exactly. Plus I have permission, so don't take two offense to it. Okay, $1,076.56 of purchases on here with $73.57 of inches accruing. $104 minimum payment. We owe $3,038.93. This is the built card. You'd think you'd pay in rent on here, but one we don't have rent yet. Anyway, that's the whole point of this card though. What's going on with this card?

[B]

I got it when I did have a rent payment, so I used it, paid it off no problem. I started using it more when I maxed out those zero percent interest APR cards because from the time I basically went eight months unemployed. So in those eight months between stopping all my social media stuff, AKA fanfics, how'd you survive? Zero percent interest.

[A]

Why didn't you do anything for eight months?

[B]

I did.

[A]

What'd you do?

[B]

Going to. I was being still consistent on social media, but like we mentioned, it wasn't getting me anywhere. I wasn't getting any new clients. I was just maintaining the ones that I had. And 800 to $1,000 a month was not cutting it. So finally in February, I was humble enough to get a real job. I was never really taught that I could get a real job.

[A]

Humility is required for you.

[B]

So yeah, I was supposed to be a millionaire entrepreneur per my parents. So I just went. I rode that wave. I was like, we're gonna try what hit.

[A]

What hit where you went from. I'm gonna post almost my online almost, but not really to I can't do this. What was the moment?

[B]

There wasn't really a specific moment. I just.

[A]

Well, deleting the Snapchat's an extreme. So what? Like, walk me through it.

[B]

I was doing fanfics consistently and still making like 20,000amonth. I realized I just, like, felt empty. I'm like, what is literally all of this for? You know, the standard. Yeah. And I just. I just felt really crappy and I didn't want to keep doing it.

[A]

Yeah, that's a good reason. I'm glad you actually stopped. Because if you felt that way and you didn't stop, which many people do, because they're all of a sudden, they feel like it's their only way they can make their living. That sucks. Cause they're strapped in a chat or in a cycle of having to sexualize themselves online. And that suc. I think if you want to sexualize yourself online, you know, go for it. I don't give. But I don't like when people feel trapped. And the fact that you actually said, you know what, I'm just going to fully back away and even delete something with 600,000 followers, 20,000 hours a month. Respect.

[B]

I appreciate. Thanks.

[A]

That's big. Not a lot of people can do that.

[B]

Yeah.

[A]

I will say on the complete opposite side of the moral spectrum, my retirement plan, before the day I just turn off the Internet and no one ever sees me again, is to post my hole on. That's it. That is it. It is a one hole pick.

[B]

Okay.

[A]

Very expensive. And then no one hears from me again. That is my exit plan.

[B]

But that is a. Interesting exit plan.

[A]

And it's a nice hole, too.

[B]

Yeah.

[A]

So, you know.

[B]

Okay.

[A]

Stay tuned. We're probably years away, but.

[B]

All right.

[A]

It'll just be. It'll be there. Nice and puckered up.

[B]

Yeah. Don't. I don't have to agree with that Lifestyle.

[A]

You're not purchasing it?

[B]

No. I'm sorry, what the.

[A]

That you're a fan of the show.

[B]

I started watching it like a month ago, I will admit.

[A]

A month ago. Okay.

[B]

Yeah.

[A]

Okay. Bad mother going in and getting you some bull. Best pet insurance. 80 bucks. Okay. You have a pet?

[B]

I do. What a Great Dane?

[A]

Ooh, I wish you brought the Great Dane. I'm such a fan of Great Danes. Oh, they are so cool.

[B]

If this was scheduled later on, I would have brought him.

[A]

Okay. Prime Video, Lyft Ride, Chipotle, Amazon Prime, Tea, Boba, Starbucks.

[B]

Yeah.

[A]

I've seen the Book of Mormon, the Play, the musical.

[B]

Yeah.

[A]

When the man has his little dream. His goon dream. When he's having a. He's a bad boy. There's Starbucks cups jumping around. Oh.

[B]

I believe that stuff's addicting.

[A]

Really? Starbucks.

[B]

I'm going to denounce Starbucks.

[A]

Me too. Because it tastes like horrible. Okay. Better practice downtown. Practice better the clean life in Viet shack now do you. If we're actually talking about this. I know I've done a lot of religious goof, whatever this conversation. But there's actually one real thing.

[B]

Okay.

[A]

Because all this has been just around but one real thing. Do you tithe?

[B]

I do.

[A]

Ah. Because that's a big part when it comes to these financial conversations. What are you at 10? Because it's impossible for me to take that away. Because like I can take away someone's going and around and doing all this dumpster. I can take away someone's only f. Cking spending. It's impossible to take away someone's like core belief. They will like refuse in every humanly way possible.

[B]

Yep. So that's 10% out every paycheck. So bi weekly. It's hard. I know.

[A]

And you don't even do the tongue.

[B]

No.

[A]

You look lesbian too. Wow.

[B]

Is okay. Is it the haircut?

[A]

Can we bring in our correspondent to get a confirmation?

[B]

Of course.

[A]

I need a ranking our residential lesbian correspondent and everyone. Aaron, we. I need a how lesbian is she scale. Just from this 0 to 10 on the camera lesbian scale. What car do you drive?

[B]

I drive a Toyota 4Runner. That in modern terms is gayer than a Subaru.

[A]

How many cats do you own?

[B]

Zero. Okay. I have a dog. Are you religious?

[A]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows exclusive and uncensored financial audit episodes. Our call in show hammer it out. Then take the train you and brand new shows. Fat and fatter there is. I would go off brand behind the audit. This was wild. Shop smart. And now upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today.

[B]

I am.

[A]

How religious?

[B]

I have a strong relationship with Jesus.

[A]

Why? She has girl sleepovers. Girl sleepovers.

[B]

I love women.

[A]

And they practice. They practice. Oh, he answered our question for us. So practice tongues. Do it again.

[B]

Lip movement is like a two on the lesbian scale.

[A]

The overall vibe, I got to be honest with you. The.

[B]

The hat is similar to what my.

[A]

Girlfriend wore in her high school graduation photos. And your wristband there, it's kind of shoving in my face. So I'm gonna go with like a.

[B]

7 out of 10 on the lesbian scale.

[A]

The forerunner was huge.

[B]

Yeah, that was a. That was a bag, I guess. Kerbal.

[A]

Okay. Well, thank you, ladies and gentlemen, for our resident correspondent.

[B]

Thank you. Aaron.

[A]

Aaron. You smell different today.

[B]

No.

[A]

You asked. I'm sorry. I wouldn't have answered. Ladies and gentlemen, if you want your Hammer Lesbian score, go to Caleb Hammer dot com. Forward slash, lesbian. Oh, my goodness. Well, this is. This is neither lesbian nor straight. But you just paid $10,000 for a finance course. Finance. We have one. You get all of ours for free. But even if [e-mail], it's 197. What the are we doing here?

[B]

Those business coaches that I was paying $1,000 a month when I started making a lot of money like that 50k month on fanfics, I said, hey, I don't know what I'm doing with my finances. So they referred me to somebody who has a school community that does weekly stuff. I had a financial coach. It wasn't even a financial.

[A]

That's nice. But does that scale it to 10 times the cost?

[B]

Yeah, it was pretty.

[A]

100 times the cost. Almost, yeah.

[B]

10,000. I will say that that person did save me money come tax season.

[A]

But that's a CPA. You just talked to a CPA. That would have cost you 1,000 bucks.

[B]

It was one piece of advice that he gave me.

[A]

What was it?

[B]

To file as an S corp. Yeah, I. So yeah, I filed as an s Corp for 2024, and I had employees during 2024. For what? Personal assistance. For what? Because I was traveling a lot and I needed help.

[A]

You were just posting Almost.

[B]

I had friends that like to travel, so I traveled with fun. Yeah.

[A]

And you had two to book your travel.

[B]

Just to, like, babysit my dog, to be quite honest, and grocery shop and, like, maintain the house while I was gone.

[A]

There's third party services that do that on the cheap.

[B]

I know. They were my friends and I wanted to hire them, so I paid them $25 an hour part time.

[A]

So 10,000 hours. And we learned to do S Corp.

[B]

Yes.

[A]

Wow.

[B]

That was.

[A]

Ladies and gentlemen, we conquered the business world. Really got a good return on it. Did you save $10,000 in taxes?

[B]

I saved about 20,000.

[A]

Okay, well, that's good. A CPA would have done that for a cost of 1,000.

[B]

Yeah, my CPA is 850.

[A]

Oh, yeah. Oh, you've had a leafy this year so far on this card. Oh, yeah. Oh, ya betcha.

[B]

Really betcha.

[A]

You betcha, kiddo.

[B]

Really?

[A]

Really?

[B]

Really?

[A]

Really?

[B]

Oh, this is the Bilt card.

[A]

Oh, yeah.

[B]

That was unexpected. I will say.

[A]

Always happens. Welcome to financial audit. $401.92 of interest accrued this year so far. We're talking thousands at this point by the end of the year. This is crazy.

[B]

I'm nauseous.

[A]

What, because a lesbian was just in the room for, like, 30 seconds? It hits you that hard? I personally, I love the lesbians. I love. Don't we love the lesbians, ladies and gentlemen?

[B]

We do.

[A]

All right. We. Yeah. Wells Fargo Signify Business essentials card. What's going on with this?

[B]

I was paying for my business coaching on there, and then just other business expenses, and then I'm not.

[A]

We just had 206 hours of purchases. What the is that?

[B]

I don't know.

[A]

Oh, my.

[B]

I don't know.

[A]

Oh, I'm looking at my accounts now. Now that I applied to come on the show a month ago. What the. You'd be able to tell me what it is?

[B]

You'd be able to tell me what the it is. Like, it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses were all kind of everywhere.

[A]

47 minimum to payment purchase. How much do you travel?

[B]

Not as much now.

[A]

Good. $1,518.13. And so let's ODON here with a $47 minimum fee payment again, $206 of purchases, $39 payment. $32.33 of interest accrued.

[B]

I tried to, like, split out the balance. Yeah, that's my bookkeeping.

[A]

Okay, so that would be on our credit card that we can't pay off. That is accruing interest, though.

[B]

I just put it on my debit card. So.

[A]

No, this is a credit card.

[B]

I. I know. Okay. Yes, fair. I've given them, like, three separate cards to use. I just want to, like, spread out the balance accruing because I thought that. Okay, once my 0% interest APR credit cards are maxed out, then I need to fan out how much I'm spending on my four other cards.

[A]

Still don't understand. Fort Worth. Out of all the Texas cities you could have chosen. It makes no sense. Platinum. That, like, why couldn't you hear a voice of just something somewhat even halfway through enjoyable.

[B]

I think it's nice. Okay. I would argue that I like it there so far in the two days that I've been there.

[A]

Yes, so. Yes, I'm sure you would. 24 years to pay this one off. What the. Oh, it's at 10,400 6,094 with a minimum payment of 105. 24 years to pay this one off. Looks like it's interest free for now, but not for long. And you got chatgpt on there.

[B]

Yeah. January it is no longer. I got that one in January for 0% APR. It's called the reflect card. I think it's very fitting because it made me reflect on my decisions, but then I still didn't, so I guess it doesn't matter.

[A]

Okay. It ends in about a year. A little over a year. But this is the. The insane. Listen, there's no deferred interest, so we don't need a rush to pay this off. But if it was. Would be. But you're not going to have. This is still going to take forever.

[B]

Right. And the other 0% APR card just is. No. Is occurring now as of September. So that one was what, like the 9,000? So I want to get that one paid off soon. It's fairly low interest compared to the other ones. I just don't know what to do about all these.

[A]

Well, this actually goes against everything we've talked about, this conversation so far. It's fun. This must be the hookup. You went on a cruise with a guy and pay your own way and you had to spend $2,000.

[B]

That was February of 2024.

[A]

Okay. Last year.

[B]

Yep. Last year. He.

[A]

So we're like, oh, he's cute. No, hit the crew.

[B]

Oh, no, we're just friends.

[A]

Yeah, I'm sure that's what he thinks.

[B]

Yeah.

[A]

And desires. Ah, you already know.

[B]

Yeah, man. So he. Yeah, we. I made the decision to play my hand in blackjack on that cruise, and it was $2,000. That was when I was swimming in money and I had no inhibitions.

[A]

That's insane. What the. I mean, oh, my gosh. Now we're at 10,500 on this card. That's crazy. Did you break up with a friend? Friend breakup. Since he wants more and you don't.

[B]

Yeah, I mean, we're still friends, but, like, we haven't traveled together.

[A]

Did they ever try.

[B]

Yes. Anne, no.

[A]

Oh.

[B]

We got called out by a comedian on the cruise for sitting in the front row.

[A]

Cruise comedians, Top of the line.

[B]

Yeah. Yeah, it was great. And that, I guess, was our shtick the whole time we would travel together.

[A]

Well, yeah, probably. I'm sure you guys looked like a couple. This is insane how long this takes to pay off. Yeah, we're gonna be paying interest forever. Also, we could do $2,000 on blackjack insanity. Oh, you got your own room during the cruise.

[B]

Yeah.

[A]

Okay. That works. Yeah, that works. I mean, that's a good way to do it, right?

[B]

Well, it started off as one room, except this expensive. It was one room.

[A]

Cause he was trying just. Was he trying to.

[B]

No, it was a tricky situation. I started to get a little uncomfortable with the close quarters and some of.

[A]

Because you were sleeping in the same bed?

[B]

No, we were like. So I called ahead to, like, get the beds separated.

[A]

Oh, they were two twins.

[B]

Yeah.

[A]

So he kept trying to get close.

[B]

No, we had an issue. A disagreement.

[A]

On what?

[B]

My feelings towards disagreeing.

[A]

That you weren't into him?

[B]

Pretty much. Because I had a crush on someone else at the time that just so happened to be very close to him.

[A]

Oh, did you land that one? Eventually.

[B]

Periodically.

[A]

That was the hookup. No, but you're just randomly. He was a friends with benefits.

[B]

I thought I was going somewhere.

[A]

You said periodically.

[B]

Yeah, like four months.

[A]

No, that's. That's not periodically. That means you guys were together for four months, right?

[B]

Yeah.

[A]

Oh, that's not periodically. It means we're going back and, like, we're coming back. We're coming back. We're doing it here and there.

[B]

No, that was. Yeah, yeah.

[A]

Your friend must have been hurt.

[B]

It was the rough trip you're in.

[A]

Whoever you're into.

[B]

Yeah.

[A]

I don't know. You weren't into the dude.

[B]

So I got a separate.

[A]

Was the whole trip bad?

[B]

No.

[A]

Because of this.

[B]

I met a friend that lives in Dallas, and so he was the one to pick me up from the airport. So that worked.

[A]

Yeah. But it was bad with this guy.

[B]

It wasn't too bad. Afterwards. We kind of reconciled towards the end. A little bit towards the end.

[A]

We had to go the whole way.

[B]

It was like a five day.

[A]

So five days of him being like, I disagree that you're not into me.

[B]

Yeah, a few days, for sure.

[A]

It's an interesting thing to disagree about, by the way.

[B]

Yeah.

[A]

I don't know if you're able to do that one, champ.

[B]

Yeah.

[A]

Okay.

[B]

That's rough.

[A]

What the. You've had fees this year so far? $9.33. I don't even know what that would be. A foreign transaction fee, maybe. Like, I don't know.

[B]

Potentially.

[A]

Such a. Weird.

[B]

Potentially. Yeah.

[A]

Such a low fee. It's not an annual fee. It's not a monthly fee. Like, I'm so confused.

[B]

I was out of the country once this year.

[A]

To where?

[B]

Columbia.

[A]

For why? To save the Children.

[B]

I was on a co working. I was on a co working retreat.

[A]

Oh, yeah. Did they pay for it?

[B]

I paid. I paid for the trip.

[A]

For everyone?

[B]

No, just for me. I wasn't hosting it. Someone else was hosting it. So I went and I spent two weeks there.

[A]

You're dying in death.

[B]

Yeah.

[A]

I don't even know how you're going to survive in Fort Worth.

[B]

I worked while I was there.

[A]

This is insane. Okay, Chase Ink card. Oh, he got scammed on that trip. I heard. I'm being told.

[B]

Mildly. I mean, tell me just like, tell me it wasn't full on scammy. It was just the host made it seem like there were going to be a lot of people there and it was going to be a lot of networking and connections and stuff. Made it seem like 60 to 80 of us were all going to like congregate in this hotel and have dinners together and cowork and the. Because Colombia in Medellin has a big coworking culture.

[A]

What'd you call me? Keep going.

[B]

It's called Medellin. It's in the city. And she. So I fly there three days earlier than her to kind of just get a lay of the land.

[A]

Convert the locals. Yep.

[B]

Oh, for sure. And she got there and it was her and her boyfriend. And I was the only one that had paid to be on the trip. So it was like I didn't get as much as I would have hoped to get out of the trip. Cause I wanted to run retreats one day and I wanted to. She told me she would take me under her wing and like, kind of be a mentor throughout the experience. But it just didn't give that feel. So, I mean, I still had fun. Like, it was a great experience. We did a lot of cool stuff.

[A]

But okay.

[B]

Yeah. And I just.

[A]

Chasing card. What's going on with this? You're purchasing more than you're putting towards it by far. You purchase $119.55. You owe $8,945. 30 with a minimum payment of $89. What's going on with this?

[B]

That was the card that I put all of my bills on after I left doing fanfics. And there are still some lingering monthly.

[A]

Why couldn't you, until you got a new job, just try to, like, post pictures? You didn't post, like, get the agency to do everything so you didn't think about it. And then once you land at a place, then just step away.

[B]

I really thought I had full conviction. Okay. So when I.

[A]

But, yeah, but you you have full conviction on a lot of things.

[B]

Right?

[A]

So working?

[B]

No. When I. In the springtime, I was doing fanfics, my business coach wanted to start a school community with me to help for, like, women empowerment.

[A]

What are you doing, man? You're just so much random bull.

[B]

That was a huge issue. But I still have the school community. It's a little bit different now, but I. I had the vision that I would leave fanfics. And then all of a sudden, my school community, which is also $10 a month, would just ramp up because she had. She was the admin of a couple Facebook groups of women who she said would be a good target audience. So we were gonna market my school community to them, and she told me that through.

[A]

Do you know what you want to do? Are you gonna last in your current job for longer? Are you just gonna switch to something else? I feel like you're all over the place constantly.

[B]

I love my job.

[A]

Which you've been doing for how long?

[B]

I've been a dietitian since 2022.

[A]

This job, though, specifically February of this year.

[B]

Yes.

[A]

Right. Okay. Yeah. Let's see how long this lasts. It looks like you got easy pass on here. I don't know if I'm doing tolls in your situation. And then chewy, that's fine. But again, on a card, that is. You said now accruing interest, right? Yeah, now accruing interest. Well, in one day, tomorrow starts accruing interest. Tomorrow.

[B]

I just.

[A]

Yeah, tomorrow from the day we're filming this. Eight. Almost basically $9,000. That's crazy.

[B]

That was all like September, October. I went on a sabbatical.

[A]

Oh, IRS. Oh, this is. Oh, this is 2024's debt. Yes, the fansly debt. Not fansly, fanfics. Fanfics. Okay. There's so many out there. Yeah. Only hams. I'm starting only hamster. You can be a creator on Only Ham. Sign up and you have to post pictures of well cooked hams.

[B]

Ooh, I told you I ate pork. This episode is brought to you by State Farm. Listening to this podcast. Smart move. Being financially savvy. Smart move. Another smart move. Having State Farm help you create a competitive price when you choose to bundle home and auto bundling. Just another way to save with the personal price plan. Like a good neighbor. State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings and eligibility vary by state.

[A]

Okay. Why are you so defensive about your pork? Yeah, have some bacon. I Don't care. You what?

[B]

Fine.

[A]

Are you allowed to say a swear?

[B]

I choose not to.

[A]

When's the last time you said a swear? And what was it?

[B]

S H I T. A few weeks ago or like. No.

[A]

What made you so angry?

[B]

I was.

[A]

A whole week ago.

[B]

I was talking. Yeah. And it. I said it.

[A]

Oh, naughty girl.

[B]

I admit. Oh my gosh. Terrible.

[A]

What'd you do? How'd you punish yourself?

[B]

Didn't.

[A]

There's still time.

[B]

Okay.

[A]

IRS at $12,487 still owed. This is crazy. And what's your minimum payment? Yeah, we got penalties and interest like crazy.

[B]

I'm paying $1,120 a month until May of next year.

[A]

Yeah, this is wild. And you just weren't expecting it at all. The taxes to pay taxes.

[B]

Last year I was. I paid quarterlies twice and then twice. Not even after four.

[A]

That's why they're a quarter.

[B]

Yep. And so then when the hurricanes came through, they said you don't have to pay them until February of 2025. And then by then I still didn't have the money to pay them. So I just waited till tax season to find out what my total was. And then I said, oh well, I can't that either. So at least I am paying something.

[A]

Yeah, with interest and penalties. This crazy. I just don't want this to happen again on any of your independent stuff.

[B]

It won't.

[A]

Listen, I'll get your course careers certification in accounting. So when you run a business, you can always fucking do this. Get trained up. A lot of people have used this to boost their income and get better jobs in the audience. But you'll do that. And again, why didn't you have. Did you have tax money sitting aside at all? No, because even like that, like next time that happens, it's like again, just put it in something. Like even if you like sign up for Weeble, you can sit it there and it's like at an 8% interest rate temporarily. It's like an incredible place to just put your money to boost the APY and their sign up bonuses and all that. Like you could have been milking this, setting aside money for taxes and then you pay it and then you made something on the money set aside.

[B]

I did for 2022 and 2023.

[A]

And then the hurricane didn't even do anything to my.

[B]

My house.

[A]

Actually. No, it did hit West Florida hard last year. I remember that. Right.

[B]

There were two.

[A]

Yeah, I remember seeing Penguin Zero. I think he like Lost Another. He's a YouTuber there's a lot.

[B]

A lot of people lost homes. I was not one of them.

[A]

Power. I think he was streaming during the hurricane, too. It's kind of crazy. Yeah, fair enough. Is that all your debt?

[B]

Yes. Six credit cards, the irs, and we're.

[A]

Just picking up everything and moving.

[B]

Yeah.

[A]

Just unprepared. Okay. Because it's going to cost money to move, right? You're probably packing up. Moving.

[B]

I'm just packing up my Forerunner and my dog.

[A]

That's a way to do it. It's a cheaper way to do it. That's how I moved to Austin seven years ago. You don't have to do the thousands of dollars to move like so many people do. Just move. If you're starting a new life, just start a new life.

[B]

Yeah. 18 miles per gallon isn't great for the drive, but it'll make.

[A]

It's still better than packing up a whole truck and. Or moving company. Even worse and whatnot. Okay, checking account down from. Look at the starting number on your checking account from last month. What is it?

[B]

$666.80.

[A]

That's crazy.

[B]

Whoa.

[A]

Ended with $214. We ain't got some bull. Got some Chipotle. Bad mother. Whatever the that is. Bad mother. Zelling out money. Zelling out money. Venuing out money. Venmoing out money. Zaza, Cuban Zaza, Cuban Hulu plus Spotify. Zelling out money. Medworm. Zelling out money. Kava. Oh, what the. It's so much funny when you have debt that you can't pay and you're trying to make this big move. Why? Why. Why are you spending so much on bullsh? Going out to eat was almost $400. Miscellaneous bull was basically $450.

[B]

Yeah.

[A]

Like that's almost 1000 hours of bull.

[B]

Yeah. Why Couldn't keep track.

[A]

Well, keep track, use a budgeting app. It's as easy as that. I mean, you get a free one.

[B]

Here, so I'm looking forward to it. Yeah, I can just. I track my fixed expenses and then my variable and whatever I choose to spend, I did not track at all. And the problem was I was putting a lot on credit cards, just continuously. And I've made a commitment to myself that I'm going to just spend on my regular personal checking from here on out. If I don't have money, I'm not spending.

[A]

So in this pulse part, we get 1,379 again, down from over 2,000. So we're just headed down. This is just transfers back and forth, and we Get a service fee of monthly and $69 in this account, down from 511.

[B]

Yeah, it's a grim situation.

[A]

Yeah, it's Canva, PayPal and out money. This is. We don't have savings. We don't have anything.

[B]

No.

[A]

Okay, let's see if we can make a budget. I'm sure we can. And we're going to budget this in the fourth worst situation. I'm not going to write in the cost of the house, your house, because I'm going to consider that just a, you know, break even. So I'll cross it out. I mean, obviously you owe on the debt in the moms. I don't know. What do we do with that?

[B]

Any advice?

[A]

Well, you. You've already, like, prompted like. Yeah, we want to get her out as soon as possible.

[B]

Yeah.

[A]

I mean, I would at least try to break even on rental. I don't know about short term. It's not really where we are.

[B]

Yeah. Still needs a few renovations before we do that. Mild, but still.

[A]

Hey, total income, $6,000. What's your new rent?

[B]

1, 300.

[A]

What about utilities and all that?

[B]

It'll probably be about 150.

[A]

Okay, let's get your debt minimum payments. I don't know what to calculate when it comes to your mom's house. Maybe I'll say just to average it out. I'll give you like thousand dollars to that. Yeah, well, like, what the. Because you're not gonna like, just lose it, right? You'll make the payment. Like, what else? What other option is if I have to.

[B]

Absolutely no.

[A]

Student loans.

[B]

Nope.

[A]

Did you go to college?

[B]

I did.

[A]

Okay. Debt minimum payments. We're going to call it $2,640. But again, it's a weird situation. Phone bill.

[B]

I don't. That's the one thing my dad still pays for.

[A]

Okay. If you ever have to. I would do helium.

[B]

Okay.

[A]

If T mobile is good in your area, it's a good way to get it for like 15 bucks. Okay. Gas, gas, gas from drive. Drive. How much?

[B]

Like 160amonth.

[A]

Not that bad. Car insurance?

[B]

191.

[A]

$300 for groceries. You can do it. I don't know if there's heb there, but that's what we've used to prove it. You just have the meal prep. Meal prep, meal prep. Use that microwave to warm it back up. TP fund anything else you need to survive. Tampons for all your period content. $100 should be good. Medical, health care. Any CO pays on a monthly basis. Required.

[B]

Nope.

[A]

Okay. Do you have a gym?

[B]

I do. It's 20 bucks a month.

[A]

Good subscriptions. I'll try to give you $30 pet insurance. What was that, 80 bucks? I think I saw in there.

[B]

77.

[A]

How much for dog food?

[B]

350Amonth.

[A]

That's insane. It's more than you.

[B]

Yes.

[A]

And we'll say 77 for the pet insurance on 80. Okay. Well, that's wild. Are you able to cut that down? Like. I don't know. I don't want you to not provide them. Good. But are you going to an extreme? That is unnecessary.

[B]

I feed him half raw, half kibble.

[A]

And is that necessary?

[B]

I will sacrifice.

[A]

Remember, kibble's good for their teeth.

[B]

True. So he gets.

[A]

Oftentimes they recommend even many vets these days are recommending kibble. Oversoft.

[B]

I was spending 400amonth and that's me scaling it back. I. Yeah, depending, It'll be like 300 or 350, but we can fit it.

[A]

Even with your mom. Weird situation. And I'm putting a thousand aside for that. I don't know, monthly basis, $5,318. So.

[B]

But then my minimum.

[A]

That's with your minimum payments, including a thousand for the mom's house.

[B]

Okay.

[A]

Crossing out your mortgage because someone's covering the rent. $862 left. Bad debt. Okay, we got it. Let's finance the. Well, I mean, the mortgages aren't great rates, but maybe when values goes up and rates go down, you can refinance to a lower rate. $42,080 a bad debt. 682 bucks on a monthly basis. 61 months. 5 years to pay it off. I think you could, you know, you'll continue to bring in more money. I think you'll bring that down to about four years. I think you'll be out of debt. I have a fully funded emergency fund in about four years. I would bet if you actually budget and go, you know, hard and go. Go crazy.

[B]

I guess there's not much to do in Fort Worth anyway.

[A]

True. Once a year there's some exciting thing that everyone likes other than that you can drive on the highway.

[B]

What do I pay down first? What makes sense? I don't know. Is there a strategy to this?

[A]

I would just go smallest to largest. Balance is for you to stay motivated along the way, since you haven't done it before. Yeah.

[B]

Okay.

[A]

Other than that. That. That's. That's what I'm focusing on.

[B]

I appreciate it. I appreciate your time.

[A]

All right, ladies and gentlemen, I'll Give her her Hammer Financial Score. But make sure you come join us in the post show. It'll be fun. It always is. Join Hammer Elite. I'll see you guys there. But the Financial Hammer Financial source spending your budget? Technically, no. You spent more than you brought in. We saw. So 0 to 10 debt. The mortgage situation's weird and you're not paying it. And I will. I rest that. There it is. 0 out of 10 emergency fund, no savings. 0 to 10 retirement. I didn't say is 0 out of 10. Real estate is the only thing that's carrying us, but you would at best break even selling both places. The interest rates are great. One's kind of renting, but not in a cash flow position, especially with heading money aside, it's weird. It's. This isn't great. It's very middle of the road. Five out of ten. So Hammer Financial Score is going to be a one out of ten. Click that join button. Join Hammer Elite for three premium shows posted every single day Monday through Friday, including the post show and extra 20 minutes of this episode. I'll see you there. Last week you borrowed money from your dad.

[B]

I did.

[A]

For why?

[B]

But I had auto draft and they took out my mortgage payment right before.

[A]

Coming on the show. You said, oh, I'm good for the last month. Now you come on the show and you borrow money from dad. What the is going on? Elusive Members Content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.