$60,000+ For New Boobs | Financial Audit

Summary

Financial Audit Podcast: "$60,000+ For New Boobs"

Host: Caleb Hammer
Guest: Bianca (31, bartender, Austin, TX)
Date: September 19, 2025

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Overview

This episode features Bianca, a 31-year-old Austin bartender, as she undergoes a thorough “financial audit” with host and personal finance content creator, Caleb Hammer. The conversation dives deep into Bianca’s financial decisions—including major cosmetic surgeries, moving expenses due to pet issues, collections, and debt coping mechanisms post-breakup. The episode’s main themes are facing the reality of one’s debt, coping with financial fallout from personal upheaval, and the importance of accountability and practical planning.

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Key Discussion Points & Insights

1. Bianca’s Background & Current Situation

• Career Snapshot:
  • Bartender (“for about three years… more money than I was making before”) [01:36]
  • Previously worked in tech support and pre-sales advising, but drifted into bartending due to layoffs and preference for quick income [72:14]
• Income:
  • Around $950/week after taxes, ~$4,117/month [02:00, 02:18]
• Living:
  • Frequent moves in 2022-2025, often due to landlord issues with her dogs [multiple]
  • Currently paying $875/mo in rent (recent move saved her ~$300/mo) [05:41, 13:03]

2. Debt Accumulation & Underlying Causes

• Total Debt Picture:
  • Over $30,000 in collections and various debts, including cosmetic surgery, vehicle, hot tub, and rent damages [07:23, 63:27]
• Expenses Leading to Debt:
  • Major financed purchases close together:
    • Cosmetic breast augmentation (“boob job”) ($10k, mostly financed) [04:01, 33:34]
    • Hot tub for the then-fiancé's house (still paying; ex making payments but loan in Bianca’s name) [03:13, 53:02]
    • Car purchase and subsequent repo due to inability to pay ($615/mo payment) [20:05]
  • Coping with a messy breakup by “going out a lot more,” alcohol/drinks, Uber/Lyft, travel [06:14, 59:19]
  • Regular spending on pet damages (dogs with separation anxiety destroying rental properties) [07:33, 47:06]
• Cascade Effect:
  • Engagement ended five months before wedding; Bianca tried to maintain pre-breakup lifestyle alone, racking up credit card debt [13:36, 14:50]
  • Money owed to friends and current boyfriend (borrowed for moves, travel) [35:28, 39:00]

3. Consequences of Financial Choices

• Credit Impact:
  • Credit score down to 580; many accounts in collections [22:58]
  • Ineligible or subprime for car loans (offered one at ~20%+ interest; then denied) [22:52, 23:58]
• Lifestyle Constraints:
  • Car repo left Bianca reliant on Uber (spends hundreds/month) and boyfriend’s rides, wants another car but can’t qualify affordably [18:45, 23:20]
  • Owes thousands to two previous landlords, including $8k for apartment repairs due to dogs (“chewing holes in walls, anxiety, pee damage”) [47:06, 48:04]
• Ongoing Spending Issues:
  • Continues to splurge on going out, drinks (“teeny time”), Uber Eats, streaming apps, vape pens, even while in debt [42:51–46:48, 66:04]
  • Still struggles to budget effectively, forgetting about debts and not tracking payments to friends [55:54]
• Debt Relief Efforts:
  • Enrolled in a debt relief program: $544/mo consolidated payment—progress is slow, only $839 paid down from $31,530 [63:27, 63:52]

4. Dog-Related Financial Problems

• Summary:
  • Bianca’s two dogs—one with severe separation anxiety—cause rental damage wherever she moves, leading to deposits lost and landlord debts [07:37, 08:03]
  • Has moved three times in 2025 already due to dog issues [08:03, 11:25]
  • Struggles/refuses to invest in “indestructible” kennels or behavior training, resulting in a cycle of damage and eviction [08:32, 08:36, 10:01, 51:00]
  • Host pushes responsibility: “This is irresponsible dog parenting, and it’s irresponsible tenanting.” [10:46]

5. Personal Accountability & Rationalization

• Patterns:
  • Bianca frequently rationalizes her choices (“I thought I could afford it,” “I was coping,” “my ex left me,” “I have to Uber,” etc.) [04:32, 22:19, 27:15, 29:01]
  • Host pushes back: “You are in endless ‘I can’t, I can’t, I can’t’... Pay your boyfriend back before ‘teeny time’” [13:03, 45:04]
• Honest Self-Assessment:
  • Bianca admits she should rate her finances a 2/10 (host: “zero”) [30:25–32:19]

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Notable Quotes & Memorable Moments

On Debt and Spending

• On credit card usage:
  • Bianca: “I still do [go out], just not on credit cards.” [06:24]
  • Caleb: “You’re not scraping by… You are in endless ‘I can’t, I can’t, I can’t’—that’s all you are.” [13:03]
  • Bianca: “Well, I usually am not the one actually paying for [drinks]...that’s actually…”
    Caleb: “But you did regardless… You owe your friends $700. Still owe your boyfriend $1200. Who the **** are you? You’re gonna go borrow at a 20% interest rate…” [43:02]

On Emotional Coping and Consequences

• Breakup aftermath:

  • Caleb: “So, because you were miserable to be with, or he was miserable to be with, or he was miserable being around you...?”
    Bianca: “I was miserable to be with.” [13:50]
  • Bianca: “I made financial decisions… and then got out of that.” [16:51]

• On big purchases:

  • Caleb: “Hot tub, $9,000... What’s your relationship with [the ex] now?”
    Bianca: “We don’t speak.” [53:02]

On Pet Responsibility

• Caleb: “How many times have you moved this year?”
  Bianca: “Three.” [08:03]
• Caleb: “Kennel training is a very healthy and normal thing for a dog.”
  Bianca: “But it’s where they view it as cruel to have a 12-year-old dog that’s never been in a kennel…” [09:06]
• Caleb: “You just allow them to destroy every apartment you’re in. Clearly that is not an option.” [10:01]
• Producer: “The landlord caught the dog peeing on the carpet in one of the places.” [49:48]

On Cosmetic Surgery and Financing

• Caleb: “The producers really want to know how much they are… 10K?”
  Bianca: “Yeah… I financed like eight, put 2,000 down.”
  Caleb: “Why did you do this?”
  Bianca: “I’ve wanted it since I was, like, 15.” [33:34]
• On collecting debts:
  Caleb: “Maybe they should repo them.”
  Bianca: “It’d cost them more money than I owe them.” [60:40]

On Poor Budgeting and Excuses

• Bianca: “I forgot about that [line of credit]. I don’t use it that much.”
  Caleb: “You—well, no... That’s insane, dude.” [55:54]
• Caleb: “Spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives.” [70:04]

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Timeline of Major Segments

| Timestamp | Segment Description | |-----------|--------------------| | 01:14-02:18 | Guest introduction, income/responsibilities | | 03:04-04:43 | Recap of debt-causing purchases (car, hot tub, boob job), breakup context | | 05:12-06:52 | Housing instability, dog issues start to emerge | | 07:33-10:07 | Details of dog-induced damages, repeated moves | | 13:03-14:55 | Discussion of life after breakup, lifestyle misalignment | | 15:00-17:00 | Coping through spending, loss on cancelled wedding | | 18:45-23:58 | Lack of car, repo incident, inability to qualify for sensible loans | | 27:56-30:25 | Review of Uber/food delivery habits | | 32:19-35:06 | Cosmetic debt breakdown, personal assessment of finances | | 35:25-41:52 | Money owed to boyfriend/friends, casual approach to payback | | 47:06-50:20 | Details on $8,000 landlord debt/dog damage | | 53:02-56:13 | Hot tub still tied to credit report, ex making payments | | 59:01-61:12 | Review of most disastrous credit card (Capital One, $21k spent in 1.5 years) | | 63:27-63:52 | Current progress on debt relief ($839 paid, $30k+ left) | | 66:04-70:04 | Host’s disgust at budget: vapes, streaming, Uber Eats, and charity while in arrears to friends | | 72:14-76:09 | Work history, tech jobs, bartending choices, current plans | | 77:01-78:48 | Caleb proposes aggressive transit & food budgets | | 80:36-83:18 | Pathway to recovery: pay off debt in ~2.5 years, don’t buy a car yet, save for emergency fund | | 84:07-85:13 | Long-term plan: 50/30/20 strategy, start investing before mid-30s | | 85:13-end | Hammer Financial Score assessment: a literal zero |

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Action Plan & Host’s Recommendations

• Strict Budget:
  • Rent $875, utilities $150, phone $110, transportation (public) $300, food $300, subscriptions capped at $30-40, dog food/health $90, other basics $100. Total “needs” ~$2,950, leaving $1,000+ for debts and emergencies [78:09–80:36]
• Debt Repayment:
  • Prioritize repaying personal loans (boyfriend and friends)
  • Aggressively attack collections and line-of-credit balances
  • Consider 2nd job for faster payoff [81:08]
• No More Borrowing/Excuse-Making:
  • Take public transit; stop Uber Eats, drinking/eating out, non-essentials [77:01–78:09, 78:09–78:48]
• Pet Management:
  • Proper behavioral solutions to end cycle of rental damages and moves
• No Car Until Debts Are Cleared:
  • Save up for reliable used car; do not take subprime auto loan [83:14]
• Emergency Fund:
  • Build to $2,100 (1 month’s expenses) after debts
• Retirement:
  • Once debt-free and with emergency fund, start 20-25% income to retirement [84:07]

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Final Assessment

• Bianca's Self-Score: 2/10
• Hammer Financial Score: 0/10
• Host’s Final Words:
  • “Spending is horrendous, disgusting, unacceptable for someone who owes so much money… You have the opportunity of a lifetime here… Stop the excuses. Grind for 2 years and you can reclaim your financial future.” [70:04, 81:33, 83:14]

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This episode is a raw exploration of financial denial and the social, emotional, and practical steps needed for recovery. Caleb balances tough love and real empathy, providing guidance and actionable insight for anyone stuck in a similar debt-and-coping cycle.

Transcript

[A]

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[B]

What's it like to be God's favorite Good.

[A]

There's also some discipline in there. What happened a few days ago?

[B]

What happened a few days ago?

[A]

What do you mean me? You got evicted.

[B]

I was trying to make a decision and you don't like it, that's fine.

[A]

I don't like it. Math doesn't like it.

[B]

Whatever, dude. Okay, so I know, I know.

[A]

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[B]

Hi, I'm Bianca. I'm 31 and I live in Austin, Texas.

[A]

And this is Financial Audit. This sure is. And thanks for coming over to Financial Audit. It's rare to get someone in Austin these days. We just get people from all over the country. But I appreciate you taking the drive in. So what do you do here for a living?

[B]

I'm a bartender at 31.

[A]

Okay. It just sounds like more of a temporary job unless it's like, great income.

[B]

Right. Three years, it's more money than I was making before.

[A]

Okay. Yeah. Again, I mean, it all comes down to the financial. Right. If we're just talking about, like, the perception of it sounds like more of a temporary job, but if it's not, if you're able to do it forever and you're making a. Let's go. Right?

[B]

Yeah.

[A]

So what are you making?

[B]

I bring it. So I just started this job now at about two months ago. It's about 950 a week after taxes.

[A]

Okay. Actually that in Austin times that by 52. Divided that by 4. Talking 4,117 bucks.

[B]

Sounds right.

[A]

On average. Okay. So Austin, Texas, listen, I mean, rent's gotten better in Austin because we actually build things in, like, other places. It's no longer the most expensive city in Texas. When I started the show. How you doing? Because that should, you know, that should be a pretty. You should be doing you should. You should be surviving. You should be doing a little more than surviving.

[B]

Yeah, I'm scraping by it. I. My rent is pretty reasonable. It's all of the debts that I accrued over the last few years.

[A]

Few years? But you said you've been in this job for three years.

[B]

I.

[A]

Which is a better paying job than you've been in.

[B]

Yeah, well, I also had some stuff happen a few years ago, and then I just racked up all my credit cards and now I have to pay for them.

[A]

What happened a few years ago? Besides the boob job?

[B]

Bad breakup. So then.

[A]

Ah. And that's why we got the boob job, right?

[B]

Okay, no, I got the boob job before, but, like two months before. Financed that and then also bought a car and a hot tub.

[A]

Bad breakup equals hot tub.

[B]

Well, I bought. No. Okay, so that was before the breakup. I bought a hot tub, financed that, got a boob job, financed that, and then also bought a car. So I signed up for a hot tub.

[A]

What do you have a house?

[B]

Um, I did. I don't have the hot tub anymore.

[A]

You had to sell a used hot tub?

[B]

No, he still hasn't.

[A]

Even though you bought it and financed it?

[B]

Yeah, he makes the payments on it.

[A]

Why is your tongue doing this in your mouth?

[B]

I'm nervous.

[A]

Okay. I've just never seen a person do that before.

[B]

Okay, fine. What's up?

[A]

It's okay. I was just curious. I was like, what's going on in there? Like, what do you mean by that? Okay, so you're saying all. A lot of this has to do with the bad breakup, though?

[B]

No, I financed all of that when I was in a better financial position.

[A]

Because of the breakup. And then the breakup relied on his income heavily.

[B]

No, I was paying for it, but, like, my expenses were not as much as they are when I have to do it all on my own.

[A]

Because you're relying on. Yeah. Him to split bills and whatnot.

[B]

Yeah. Okay. Yeah, I guess so.

[A]

Yeah. So when was the breakup then?

[B]

May of 22.

[A]

So why wouldn't you adjust within three years over at this point? Three years? Over three years. The fact that. Oh, bills are a little more expensive.

[B]

Well, we had, like, a really nice house, and so I had to change my lifestyle, and I didn't want to do that. I thought I could afford more than I did.

[A]

What did you think you could afford?

[B]

I don't know.

[A]

You don't know?

[B]

Well, I knew that I could afford.

[A]

What was your job at that time?

[B]

Well, I was still in tech at that Time.

[A]

Tech's usually money. But you're saying you're making more as a bartender now?

[B]

Okay, so I was the first tech job. I was only making like 36k a year. And then I started another job. I was making about 65. Don't yell at me.

[A]

You're not scraping by. I just gotta know. Yo. Okay. Hey. What happened a few days ago?

[B]

What happened a few days ago? What do you mean?

[A]

In your own personal life? You don't know? You got evicted?

[B]

She asked me to leave or get rid of my dogs. And I was like, well, I'm not getting rid of my dogs.

[A]

So it wasn't a financial thing?

[B]

No, it wasn't a financial thing. She didn't want the dogs there anymore.

[A]

Okay, so that's also gonna put you in a weird situation, right?

[B]

Yeah.

[A]

What is your living situation about to be?

[B]

So I just moved into a different place.

[A]

Okay.

[B]

Same area.

[A]

Rent stayed the same, cheaper. Okay.

[B]

So that was good, right?

[A]

Guess that's not bad. I guess.

[B]

Yeah, it's like $300 a month cheaper.

[A]

I know. It sucks to move.

[B]

Yeah. And make deposits every couple months.

[A]

Well, that sucks. And it's still expensive to move specifically, but. Okay, so what is going on right now? What are we talking about?

[B]

The main thing is I feel like I'm scraping by because I'm trying to pay off all of this debt.

[A]

Why did you accrue the debt specifically in your own recollection, your own. What's going on in your life?

[B]

You know, after my life fell apart in 2022, I just was trying to go out and have fun and do things.

[A]

And you're not anymore?

[B]

I still do a little bit, just not on credit cards.

[A]

Not on credit. You don't spend anything on debt?

[B]

I don't put other.

[A]

What the.

[B]

Can't put anything.

[A]

Other large parts. We had $3,823. All your credit cards are in collections?

[B]

Yeah.

[A]

Is all your debt in collections?

[B]

Not all of it. A lot of it, though. The big ones.

[A]

Why?

[B]

Because I wasn't paying on it. Because it racked up so much that I couldn't even make the minimum payments.

[A]

I mean, going out to eat alone was 500 last month. But again, other large purchases, it's almost $4,000.

[B]

500 is less than I thought it would be actually going.

[A]

Right. And that's you fixing it? That's you getting it under control?

[B]

I guess.

[A]

Okay, well, you had a miscellaneous $300 miscellaneous. Yeah. Just like it could be. I don't even know what it is yet. It could be Spotify premium. It could be Xbox games. I don't know what you do.

[B]

I haven't been through your money. I do know outside of bills and.

[A]

We know you got $30,000 of bad debt.

[B]

Yeah, yeah.

[A]

Oh, okay. And then. Okay, sir, maybe it wasn't a technical eviction, but it looks like you owe two previous landlords a ton of money.

[B]

Yeah, for what? Those were also dog related.

[A]

What are you doing with these dogs? What are you talking about?

[B]

I've never had an issue one of them. Yeah, well, one of them I got when he was 8 and so. And he was not like super well trained. Like he's sweet, but he, he likes to eat holes in walls.

[A]

Well, that's not good. I don't think if you and I've. If it's not your property.

[B]

Yeah, no, it's not ideal.

[A]

We could also do training. How many times have you moved this year?

[B]

Three.

[A]

This year. Three times.

[B]

Yeah. So I was in my first apartment, I moved in in January and then moved into the house that I just moved out of.

[A]

Cause that can't be cheap having to constantly move all your. How many dogs you got?

[B]

Just two.

[A]

But one just endlessly destroys things.

[B]

He has anxiety.

[A]

Great, so he needs to be kennel chained. No, that's on you.

[B]

Well, I put him in a kennel at one point. He broke out of it.

[A]

You have to get a better kennel. This is on you. You are the dog owner.

[B]

I know, but I looked into a better kennel though. Like indestructible ones are like $1,000.

[A]

Yeah, and how much have you spent on moving this year? That's shut the up.

[B]

Well, okay, think. I don't want to put them in a kennel if I'm want to.

[A]

Then you can't manage them correctly. Then you are not a responsible dog parent.

[B]

Okay, you haven't met my dogs, but.

[A]

You'Ve been kicked out constantly because they're chewing holes in walls and you're not able to either train or sedate or get any kind of kennel training. Kennel training. You don't want to. Kennel training is actually a very healthy and normal good thing for a dog. Kennel training.

[B]

But it's where they view it as cruel to have a 12 year old dog that has never been in a kennel and then suddenly put them in a kennel.

[A]

Okay, first of all, you said eight.

[B]

Well, I haven't. I have an eight nine year old and a 12 year old and the.

[A]

12 year olds one that's breaking the.

[B]

World Yes, I got him when he was 8.

[A]

Okay. And it's unfair to keep moving them and them potentially eating dangerous, hazardous materials by chewing in the wall. That's a good thing.

[B]

I mean.

[A]

I mean, my dog, I've had to do, like, three surgeries because she keeps eating things that dog shouldn't eat. And she has to wear a muzzle when she's not in sight of me. Direct sight. That's humane of just keeping her alive.

[B]

Okay. But I also don't want them getting hurt when they're getting. If they're able to get out of.

[A]

The kennel, they wouldn't be in that good kennel you just talked about. Or have a dog sitter, something.

[B]

Okay, but that.

[A]

Okay, you're right. You probably couldn't afford that. But you have to do something. All you've done is. Is given up and you just allow them to destroy every apartment you're in. And clearly that is not an option.

[B]

That is, well, trying to, like, spend a lot more time at home. Take them out more no matter what you work. Yeah.

[A]

And bartending is that remote.

[B]

Right.

[A]

So you will be leaving the house regardless. How many hours a week do you work?

[B]

40.

[A]

So spending more time at home is. You're just saying you're not going out and hanging out with friends as much, which is. You have 40 hours a week at work.

[B]

Well, yeah, I mean, like, I work long days, Saturdays and Sundays, but Monday, Tuesday, I'm off with them. I take them out.

[A]

Congratulations. You still have 40 hours a week at work that we are not actually fixing.

[B]

Okay, so.

[A]

So we're gonna move a fourth time this year here in a little bit.

[B]

I hope not.

[A]

Well, with your pattern, probably. This is irresponsible dog parenting, and it's irresponsible tenanting. Okay, you disagree how? You're getting kicked out of places endlessly left and right.

[B]

Okay, well, you're definitely not in a.

[A]

Position to buy property, that's for sure.

[B]

Oh, God, no. They didn't used to care if their walls got destroyed. No, no, no, they didn't used to do that. Like when I had, like, chew through walls.

[A]

Congratulations. They do now. And you have to figure it out.

[B]

Okay, I will. I just.

[A]

You haven't. No. You've been kicked out moving place to place.

[B]

Okay, well, yeah, well, maybe I'll just fix it now, I guess. But they. It's also hard to get them out and, like, get their energy out when it's a thousand degrees out here and.

[A]

Yet the rest of us do it.

[B]

Okay, well, guess who else has Two.

[A]

Dogs, large dogs, very energetic dogs. In fact, the breeds that need to run and zoom and go crazy.

[B]

Okay, but like, it's also really hard to, like, get them out to a place like, I. As you will see, I do not have a vehicle.

[A]

So you can Uber in with dogs. We've done it.

[B]

I know. I. And I do that with them whenever I can.

[A]

There we go. I have solved your issue.

[B]

It's also more expensive to Uber with dogs.

[A]

It certainly is, but you have no method of transportation. Shut the F up. Mike and Alyssa are always trying to outdo each other. When Alyssa got a small water bottle, Mike showed up with a 4 liter jug. When Mike started gardening, Alyssa started beekeeping. Oh, come on. They called a truce for their holiday and used Expedia trip planner to collaborate on all the details of the trip. Once there, Mike still. Still did more laps around the pool.

[B]

Whatever.

[A]

You were made to outdo your holidays. We were made to help organize the competition. Expedia made to travel.

[B]

Okay, well, I'll take them. Fine, I'll take them.

[A]

So you're just incapable of doing anything because all I hear is, I can't, I can't, I can't, I can't.

[B]

Okay, when I'm like running out of money to like, I'm like, I have to Uber.

[A]

Are you running out of money? If everything's in collections, your minimum payment should be relatively low.

[B]

Well, I'm paying everything, so I. It's like a debt relief thing. So I pay all one payment.

[A]

That's different. What's that payment?

[B]

544Amonth.

[A]

Okay, so that's still. You're totally fine. $4,116 a month net. What the. What's your issue? What's Your rent number?

[B]

875.

[A]

Shut the up. What is your problem?

[B]

Paying deposits again?

[A]

It's. I can't, I can't, I can't, I can't on everything. That's all you are.

[B]

I mean, I do know that most of my money goes into, like, going out and like, having drinks.

[A]

Uh huh. Now if a lot of this occurred because you wanted to live the same lifestyle that you're living with this guy before you guys broke up. I mean, that means we were probably splitting things. How far were you in this relationship if you were this splitting of bills and finances potentially combined and whatnot.

[B]

Four years. We were engaged.

[A]

You were engaged?

[B]

Yeah.

[A]

Engaged. And it ended. Who ended it?

[B]

He did. Five months before the wedding. I don't know, he's.

[A]

Oh, come on. No, for what?

[B]

I I've honestly and stuff all the time. So, like, I.

[A]

So because you were miserable to be with, or he was miserable to be with, or he was miserable being around you. I don't know.

[B]

I was miserable to be with.

[A]

Okay, but you guys were fighting all the time and he left, so he may have found it whether or not he was correct or not. Miserable.

[B]

Yeah, he's a miserable person to be so miserable with anybody.

[A]

Yeah. I mean, I'm sure you're a little petty that someone broke up with you five months before marriage.

[B]

So.

[A]

So it's a little hard to take. Take your word as 100% truth.

[B]

Okay, well, I have the screenshots to prove it, but whatever.

[A]

Again, it's the ex employee that gets fired that always comes out and says the business they worked for was trash, okay? Not the person who leaves their own.

[B]

Well, I try to make it work. I bought a hot tub. I thought it was working. I thought it was going to be fine. I wouldn't have bought a hot tub to put in a house that I didn't own. But he wanted a hot tub and I had, at the time, had better credit because I didn't have debt.

[A]

Okay, what was your debt even going into?

[B]

The reason that all the credit cards were maxed out is because I was going out a lot more.

[A]

Was it Cope?

[B]

What?

[A]

Was it cope? Oh, no, my fiance that was about to marry me.

[B]

Yeah.

[A]

You're still coping looking. Look how you just talked and then you said you had proof, and then you didn't give us any proof. Look, I mean, this is. I feel like you're still coping.

[B]

I'm not gonna pull up screenshots of past texts from an ex, but. Okay, you can not. Believe me if you want.

[A]

No, it's not that, but it's like. Are you the reliable source? Right?

[B]

Yeah.

[A]

Is the ex employee that got fired? Essentially. Okay, so again, I don't necessarily need that, but if we're having this conversation, we're talking about how my life fall apart after the breakup, but, oh, he's the piece of. Even though he's the one that chose to laugh. It's like, you know, I'm just trying to get a little nuance in the conversation, okay, and understand things. It's not like you are required to show. I'm not saying that. But then, like, you know, where's my mind supposed to believe, right?

[B]

I mean, I'm the one sitting in front of you. You can believe me or you can leave this person that you've never met.

[A]

I don't even know what he would say. What am I believing he would say?

[B]

He would. He would be sitting here saying, though, she's crazy. And then he would also make up all this about.

[A]

But he is still the one who chose to leave.

[B]

Yeah. And then even after the breakup, he told everybody like, yeah, she got all of our wedding back, our wedding money back, and got her boobs done. No, we got nothing back. We got zero pennies.

[A]

Oh, and you got your boots done.

[B]

I got my boobs done before we broke up.

[A]

Like right before.

[B]

Like two months. Yeah, two months before. And I financed that.

[A]

Were you guys just not like on the same page in life?

[B]

I was a little caught off guard. So like, I knew we were fighting, but I was like, oh, well, like we're engaged. It didn't seem anything abnormal. You never been yelled at in a relationship? Yelled at in a relationship? Yeah. And not yelled.

[A]

I've also never yelled in a relationship.

[B]

Okay, well, congratulations. You're one of those special ones, I guess.

[A]

I don't think so.

[B]

You've never yelled?

[A]

No.

[B]

Okay.

[A]

No. I have very appropriate conversations and heated arguments when I'm dating and love someone and it's not in the show.

[B]

Regardless. My. I may. I made financial decisions and then got out of that.

[A]

And now how much did you guys lose not going through the wedding?

[B]

About ten grand.

[A]

Out of whose wallet?

[B]

Both of ours.

[A]

Like split down the middle. 5.

[B]

Yeah, we've started working. We were both in tech and started bartending on this side.

[A]

So that part of that in collections?

[B]

No.

[A]

Now, if someone's response to being broken up with in an engagement thing, which don't get me wrong, I know I'm being a little hard on you right now, but I. I would be torn up too. I'd be very sad. The only reason I went hard on it is cuz after he broke up with you, you were like, he's the piece of. It's like. But either way, that's the only reason I went hard, to be clear. So you cope, spend, drinking, going out. Is being in a bartending setting the appropriate place to be in for the last three years post breakup? If that's where you also cope, spend.

[B]

And exist, it actually makes me want to go out less.

[A]

Okay.

[B]

I mean, at first I was going out to cope, but now.

[A]

What is this note that I have that paid for her ex's trip to Mexico right before your ex broke up with you?

[B]

That was for his birthday.

[A]

Whose birthday?

[B]

His birthday.

[A]

So the ex fiance?

[B]

Yes.

[A]

You paid for his trip right before he broke up with you?

[B]

Yeah, a good chunk of it.

[A]

That's. That sucks. A good chunk of it. How much did you spend on it?

[B]

I spent between the two of us. I spent like about 2000 between like fights. I mean it was.

[A]

Where you going?

[B]

Cabo.

[A]

Fake boobs in Cabo. Hand in hand.

[B]

It was right before the boobs.

[A]

You won't think so before getting these finances. You know, a big part of this conversation I have to feel like is like you have no way to get around. And we do not live in a walkable city by any means in the public transportation is a little iffy. I know what part of town you live in. You have access to some bus lines, even one train line to downtown. But even still. What, what, like how are we getting around places? What are we spending on this? Have you tried to get a car? What's going on?

[B]

Yeah, so I Uber everywhere. My boyfriend will pick me up and help out anytime that he can. But he also works two jobs.

[A]

And if he leaves you, is he a horrible piece of.

[B]

No, he's great. If we were to break up, it would probably be on me. But see, I'm a reliable source. But no. So I Uber a lot. I Uber a lot. He helps me out when he can. I don't want to rely on that. So.

[A]

So like if you're looking help you.

[B]

Out at least a couple times a week trying to get to work. And then if, like when we both have a day off, he comes and picks me up and then we go hang out and then he brings me home.

[A]

Okay, and how much you spending on Uber?

[B]

A lot. So all like in my bank statement, so my Uber comes out through my Venmo. And so everything that says Venmo is pretty much all Uber.

[A]

Okay. And when's the last time you had a car? Do you want a car? What's the.

[B]

Yes, obviously I want a car. Last time I had a car is about a year ago. I couldn't make the payments.

[A]

It got repoed. You got.

[B]

Yeah, it was like $615.

[A]

I went down this conversational train.

[B]

Okay, well.

[A]

Oh, for sake. I knew the fact that you didn't have a car. I knew there had to be a reason. Listen, in Austin, everyone has a car. Oh, for sake. What happened?

[B]

I know a lot of people that don't have cars.

[A]

I know one person, but. Okay. Different lives. That's fine. Okay. It got repoed a year ago. Well, you're three years into your better paying job. What the happened? Cause this is all this cuts the.

[B]

Credit Score and makes it really hard to get a credit score.

[A]

But what happened with this repo?

[B]

I couldn't make the payments. What do you think happens with the repo?

[A]

I'm asking why? Because you were still making about $4,000 a month.

[B]

Because I was also trying to pay off other debt and so to like, try to.

[A]

Was that during the consolidation? Not the consolidation, the debt relief program.

[B]

That was before the debt relief program.

[A]

What was your minimum monthly payments at time and your debt?

[B]

I don't remember. It was a lot. And it just like kept occurring interest. Now that it's in collections, it's not occurring interest, right? I don't think it is. So, yeah, I was trying to make the payments. And then I also had. Still had like my apartment where I have lived has gotten cheaper progressively. Like consistently over the last three years. Like, I'm in the cheapest place I've lived because I've had to have a humility check and go a little.

[A]

Have you tried to apply for any car loans or anything?

[B]

Yes. So I did like a month ago. And they, I mean, obviously with repo and like bad credit, it's going to be difficult. And then they had one, they tried for like seven banks. One approved me somehow. And then as I was waiting on the paperwork, the bank, they came back, they're like, oh, the bank pulled out. And I was like, why? And then they're like, yeah, because you're.

[A]

Way too risky of a borrower. I used to track my budget with a spreadsheet. And by track I mean ignoring until my account was screaming for help. Then I found Rocket Money. Today's sponsor. Rocket Money is a personal finance app that helps you manage subscriptions, lower your bills, build a budget, and even save all in one place. I personally use it to cancel subscriptions. I don't even remember signing up for like, do I really need two food delivery app subscriptions? With just a few taps, Rocket Money showed me everything I'm subscribed to and let me cancel the ones I didn't want. It even tries to give you a refund if possible. So let's talk bills. Rocket Money can negotiate to lower things like your Internet or phone. No customer service calls from your end. You just upload your bill and let their team go to work.

[B]

Work.

[A]

Take control of your finances today. Go to RocketMoney.com Caleb or click the link in the description to get started for free.

[B]

Who the would and consequences reasoning was because I had spent too much money the month before and I'm like, oh, well, that was when I moved. So I made like $1700 in deposits and paid rent. So like I spent like 38.

[A]

So why don't you go back a month later?

[B]

That's the plan is to do that.

[A]

This just happened.

[B]

Yeah. That was like a month ago when you got approved.

[A]

And then what were you approved for? What did that loan look like?

[B]

It was, the car was like 20k and the payments would have been like 500.

[A]

So the payment term like 8 years. Okay. Interest rate?

[B]

We did not get that far.

[A]

Oh, I. What's your credit score?

[B]

Bad.

[A]

What's your credit score?

[B]

Like 580.

[A]

Okay. Her interest rate is going to be like 20%. What are we doing?

[B]

Hey, you make a strong like I'm going to like. It's better than Ubering everywhere to a point.

[A]

Not necessarily. You make money while your overhead is relatively decently low. You could save up and get a ten thousand dollar car. Five thousand down. Down on a ten thousand dollars car.

[B]

Okay. I have something safe. Like I have to have something safe, huh?

[A]

Yeah. That's why I said our ten thousand dollar car, Not a five thousand dollars car, you tit.

[B]

Yeah, but like a night not as new car. Like I'm always worried about breaking down. I don't know about cars, buddy.

[A]

My 2018 Jeep Cherokee, very good car, stellar condition, no issues whatsoever. Is valued at $12,000. You get a $10,000 car.

[B]

All right, well then sell it to me.

[A]

No, I gave it to my brother.

[B]

Okay.

[A]

Yeah, I like him more. Who would have thought?

[B]

Okay, well he sounds lovely. But anyway, couldn't get approved for the car. I don't even know what the interest rate would have been because we didn't get that far in the paperwork. So I'm going to try to do it again. But the reason that's a 20 by the way.

[A]

You're okay, borderline subprime. You're a subprime borrower.

[B]

Yes, I know. I knew it was going to be risky. I didn't even really want to do it because I didn't want all the hits on my credit even further. But the reason they said is because I spent too much money the month before with like all the deposits and everything. And I'm like, well, yeah, I just moved. And so I'm going to try to do that again this month, maybe next month because I just moved again. But I didn't pay nearly as much.

[A]

You are subprime. No, you're subprime. Yeah, listen, with them being the only one that accepted you, this is going to be A predatory rate. And they wanted that term to be as long as possible so they could just accrue that interest.

[B]

But if I can get a, even if it's a long term, isn't that better than not having a car at all?

[A]

20%. No, you probably save more money on Uber and saving up as much money as possible. Putting 5,000 on a $10,000 car and then aggressively paying off the second thousand. Listen. And you're probably get a used car. You're sitting at right around now. What we're seeing with Vantage score in the first quarter of this year, you're likely at a 19% interest rate. That's what we're seeing on average for someone with your credit score, 19%. That is double the returns you get on average in the market all up years and down years combined. I'm gonna let you know summarize what that means.

[B]

Okay.

[A]

That is, can you almost 20,000.

[B]

Okay, maybe that wouldn't have been a good call, but I still think it would be better than not than having an Uber.

[A]

How make that make sense to me?

[B]

Well, first of all, like if I don't have enough money, like if I, I get paid every week and then if I don't have any money to Uber, then I need a car to get to work.

[A]

But you're able to make it work right now how far away are you from working?

[B]

It's like 12 minutes maybe.

[A]

Like bike.

[B]

Okay. Down 35? Hell no.

[A]

No, but I've seen people bike through the neighborhoods. Come on.

[B]

You can, but then I don't want to bike up at night.

[A]

So you're likely at a six. That's dangerous month loan. You're, you're probably at like a five to six year loan. You're going to be paying a total of $32,000 on this 20,000 hour car. It's horrible. Are you by the time you save up 5,000 hours spending 12,000 hours on Uber, I doubt it. That is the math difference that we are doing.

[B]

Okay, I appreciate the mansplanation, but like.

[A]

I understand that's not mansplaining, that's mathsplaining. You dumb.

[B]

Okay, well I was trying to make a decision and you don't like it, that's fine.

[A]

I don't like it. Math doesn't like it. I. Who gives a about me? Matt doesn't like it. What's your average Uber cost to and from work?

[B]

One way is like 12 or $13. So it's like 25 a day, five times a week.

[A]

So that is 480 trips. 480 trips.

[B]

480. Oh, per year.

[A]

And you work how many days a year? How many days a week? Sorry.

[B]

Five.

[A]

Okay, so that is 96 weeks.

[B]

But that's not also. That's not the only place I have to go.

[A]

That is two years worth of Uber trips. I know, but also the boyfriend steps in, so I know. You don't Uber to and from work every single time because the boyfriend also steps in. That's probably about three years of work trips. I guarantee you, with your income and your overhead, we can get to $5,000 saved up well before then. Well before then. And I'm sure we can prove that in the end.

[B]

Okay.

[A]

But that is the math difference. Mansplaining.

[B]

Well, I also like a. He's not able to take me as much anymore because he just started a second job. And I also don't want to rely on.

[A]

It's not relying.

[B]

I don't want to rely on another person.

[A]

I have a girlfri. She's not relying on me. I like to help her out. She likes to help me out. I'm not relying on her. That's not relying. What is this? You're not milking someone. Just because you got mommy milkers doesn't mean you're always milking someone.

[B]

That's how I got the boyfriend.

[A]

Some of them like I'm fake. Some of them like them fake. And you're likely. You're lucky. They can't repo those, so it's the.

[B]

One thing they can't take for me. Just cut them out of me. That's why I stopped making the payments. What do you want to see?

[A]

Can you pull up your Uber app?

[B]

All right, what do you want to see?

[A]

I don't really use Uber that much. Here we go.

[B]

Must be nice.

[A]

It is nice. Absolutely. Bought my car in cash, saved up for it. I was an adult.

[B]

Congrats.

[A]

Thank you.

[B]

What's it like to be God's favorite?

[A]

Good. Good time.

[B]

Yeah.

[A]

It's also some discipline in there. That's how I got my Jeep before I made any YouTube money, which was much more expensive than I think it was, like 25, 26, 27,000 a few years ago.

[B]

Listen, I made some bad financial decisions when it came to credit cards.

[A]

Speaking of which, the most recent thing on here is seven items being Uber eaten to her house from Taco Bell.

[B]

Yeah.

[A]

Yeah, you. That's a bad financial decision right now.

[B]

I know. I knew you were going to pull that up and see that. And you were Going to rip me a new one for that.

[A]

Well, no.

[B]

I was hungry. And I'm not. I can't drive to Taco Bell.

[A]

Huh? If only you had a kitchen.

[B]

Yeah, but I just moved. I don't have any food in there.

[A]

You should have stopped at HEB on the way.

[B]

I got off work late last night, buddy. HB was closed.

[A]

This is so stupid. When did you move?

[B]

Sunday.

[A]

You. That was what, five days ago? Four days ago. There's more days in between then than just last night. You. This is excuses. It's with you. You are in endless. I can't. I can't, I can't, I can't. And you can be on financial audit by going to caleb hammer.com apply. Come be on the show.

[B]

It's a blast.

[A]

It is. It is a good time. The Uber trips to work are a lot less than you're suggesting, by the way. They're averaging about 10 bucks, so that even changes the math more. Lots of Taco Bell being uber eated constantly while I'm on here. Let's see. Call your Redditor now. This makes sense with your person.

[B]

I use Reddit the least out of all Social. Oh, my God.

[A]

Let's see. What is she doing?

[B]

It's a lot of the Austin beer scene.

[A]

Not surprised. See her subscriptions. Apple Care Plus, Apple Music, iCloud Plus, and Peacock. Peacock.

[B]

Love island is on there.

[A]

Love Island's done. Love Island's been done.

[B]

I know, but there's other good stuff on there, too.

[A]

Okay, there it is.

[B]

My Hulu subscription.

[A]

Buddy, there's trash TV everywhere. You're on one right now. Come on.

[B]

It's a dream come true.

[A]

Okay, let's get into these finances. But before we get into the finances, I want to hear what you think your financial score would be. All of your finances. Worst. The best. Zero being the worst. Ten being the best. Where do you think you stand?

[B]

Three.

[A]

You have collections.

[B]

Yeah, if you want your Hammer Finance on them. And my income's not bad. Okay. 2.

[A]

What do you think it is, 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 financ that's 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 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 out find go. If you want your Hammer Financial score, it is free. Take the assessment. See where you stand in the world of finance. To see where you can improve, see where you're failing, go to caleb hammer.com take it. Take the score and take the quiz. And if you don't want to be like a guest who ends up on the show. 1. Don't get fake boobs. 2. Download the dollar wise budget and app. Sign up for the free trial. If you like it, sign up for the annual version. Save a lot of money. Get the budget friendly cookbook signed by me mailed directly to you. And if you want to also bundle it with all of our education all in one the premium thing you could ever possibly do to change your life like over over 50,000 people have done Dollar Wise Central. 80% off now and go to Dollar Wise.com all right.

[B]

But get the fake boobs. It's worth it. They can't repo them.

[A]

Who likes fake boobs? I'm sorry.

[B]

Me. A lot of people.

[A]

It's just. It doesn't work. It doesn't. It doesn't give the same if you.

[B]

Get them done either.

[A]

I don't know. I've squeezed plenty in my day.

[B]

I'm so sorry.

[A]

Feels like a mouse pad.

[B]

Feels like a mouse pad.

[A]

Yeah.

[B]

Okay. Touching some weird boobs.

[A]

I guess so. Yeah. Maybe you're the only ones with real, real, real fake boobs. Do you get them done in the.

[B]

U.S. yeah, in Austin.

[A]

Patriotic boobs. Freedom boobs.

[B]

Yeah.

[A]

No tariff on those boobs.

[B]

None at all. So worth it.

[A]

Do I have a better natural rack than you had?

[B]

No.

[A]

Because I got some titties. I know I'm not getting a boob job though. Okay. I see money owed to boyfriend. Did he pay for those?

[B]

No, he. He helped me out.

[A]

Okay. The producers really want to know how much they are. They're. They're feeding me so much boob things today. It's all Lindsay. So many boob things. 10K?

[B]

Yeah.

[A]

For.

[B]

Why?

[A]

Just for fun.

[B]

A good surgeon. I put, like.

[A]

Why?

[B]

I financed, like, eight. I put, like, 2,000 down.

[A]

8,000 and debt. For boobs. Why. Why do you even get them? They're not even paid off yet. Oh, they're almost.

[B]

They're almost paid.

[A]

I almost. But they're not.

[B]

I owe, like, $500.

[A]

Why did you do this?

[B]

I've wanted it since I was, like, 15.

[A]

You've wanted fake boobs since 15?

[B]

Yeah. Why? Because I look great and I'm not having kids. So what? I'm not having kids so I don't have to. Like that. Yeah. After you have kids, like, you wouldn't. You wouldn't want to wait until afterwards. So I was like, well, I can do whenever I want. And I thought I could afford it, but then my life got flipped upside down and.

[A]

Yeah, listen, I'm. I'm an all. I'm an all. Natural girly. Our translator post shower, live streamer. You all know him. You love him. B Dog or Triple B or Brandon loves fake boobs.

[B]

What?

[A]

Do we have the consent for this observation?

[B]

No. I'm not pulling my shirt up.

[A]

No, for this? You dumb. For this?

[B]

No, that is not why you're here.

[A]

We're asking for consent to objectification.

[B]

Fine.

[A]

Are they worth 10k?

[B]

You're okay with that, right?

[A]

Do we have permission?

[B]

I only owe 500 left.

[A]

Worth it. Okay.

[B]

See? Good investment.

[A]

Ooh, this episode is gonna get us in trouble. Okay, remember, we have all the guest permission before we film, and they get to say what we can't do before, and we don't ask second time if they say they don't want to do something. Plus, we got extra permission there. Calm down. Reddit and Twitter and TikTok.

[B]

It's fine if my parents are watching. I'm so sorry.

[A]

Me too. Okay, so what is this money owed to boyfriend? This is current boyfriend. Current, I'm assuming. Okay, so what is what, 1200?

[B]

Yeah. So at first he helped me pay a deposit for an apartment, and then.

[A]

Come on. So you get kicked out left and right because you won't train your dog or do anything, and then your boyfriend has to come in and bail you out.

[B]

I didn't ask him to. He offered.

[A]

He probably saw just that you couldn't do it. Right? Could you have done it? How would you have done it without him?

[B]

I would have figured it out. I always managed to figure it out. And then the rest.

[A]

Okay, let's pretend you're Figuring it out right now. What would you have done? Right now?

[B]

I would have either found a cheaper place to live or found. Because that was to get into an actual apartment and live by myself.

[A]

Wait, so this one isn't even the one you're in now? So you still owe him for a previous place?

[B]

I started paying him off on.

[A]

Sake.

[B]

Okay. So I started paying him back on it and then had to move again. And then he's like, we have set up. He came up with for everything that I owe him. He's like this, tracking.

[A]

How do you feel that he's tracking?

[B]

I knew it would be tracks that was agreed upon.

[A]

Or you just knew.

[B]

And so, like, when I, like, would Venmo, I'm gonna be like, all right, here's 100 out of the 800. And then here's. Now it's up to 200.

[A]

It won't be on camera. Can I see a picture of this guy?

[B]

You can roast me. He's got a mullet.

[A]

That's okay. That's an average that. I call them the Everyman. The Everyman either has a mullet with a mustache or a ball cap with a mustache. That is the everyman. It is 90% of the men in Austin. I am halfway towards every man.

[B]

Oh, he's very nice to me.

[A]

Well, he looks like a dealer. This wasn't the mullet I was expecting.

[B]

Somebody said one time that he looks like Joe Dirt.

[A]

Yes.

[B]

He loved that. He was like, hell, yeah.

[A]

I was expecting the Everyman. He is just, in fact, man. Okay.

[B]

He's really cool. You would love him.

[A]

Would I?

[B]

Yeah.

[A]

Okay.

[B]

He loves your show. Oh, he got his finances in better order. When I told him I was going to be on here, he's like, are you sure? You might cry. I was like, I only cry when you talk to me about finances.

[A]

I. You haven't been close yet.

[B]

Huh?

[A]

You haven't been close yet?

[B]

No.

[A]

Good. I never get women close.

[B]

I kind of guessed that.

[A]

Me too. I'm a sprinter.

[B]

Okay, this is a weird episode.

[A]

Sorry. Very goony episode. Okay. And people are gonna take it so literally.

[B]

Talking a little more about my boobs than the car situation.

[A]

I know you can tell what I'm interested in.

[B]

Don't you hate it? Thought you hated fakes.

[A]

I do. I'm just not really into them. But it's very topical. Plus, Lindsay is this. Lindsay's a goon master today. She's feeding me so much boob stuff into the chat.

[B]

Thank you. Worth it. Worth it. I think they're worth It I love when it's like an obvious job. Right. It's like what's. Why spend the money if I don't.

[A]

Love an obvious bbl though, I wouldn't.

[B]

Get one of those. That's not worth the money.

[A]

Okay, so the boyfriend, he's been tracking the 1200.

[B]

Yes.

[A]

Is there interest with this?

[B]

No one suddenly wants to one day, but no.

[A]

Is there an agreed upon minimum monthly payment? How is this working?

[B]

Yeah, so he just wrote it all out and was like this was very recent. It's like 65 a week. I get paid every week. And so 65 weeks. So 60 12.

[A]

Okay. What's budgeting?

[B]

Like it's to pay it off in like a certain time frame.

[A]

That certain time frame would be. No. Said it's $282 a month, which is quite chunky, I'll be honest. For that kind of debt, that's like a four month payoff. Five month payoff. Yeah, that's kind of chunky instead of putting more money to the other kind of debt. But okay. So what all has he also been giving you for? Because it wasn't just that apartment.

[B]

Yeah. So the rest of it was from a trip to Vegas. We went to Vegas.

[A]

You had to borrow from him to go with him?

[B]

Well, I paid for the flight. For the flights.

[A]

Is this relationship not weird? Why didn't he just gift it? Gift the trip?

[B]

Well, because I ended up. I did not realize that a bill was coming out right before for the like debt relief thing. And then there was also like a hold on my card once I got there. And so they wouldn't let me, I don't know, wouldn't let me spend any money. So we covered everything and then just added it all up together to add to the 800. So he paid for everything.

[A]

Okay. Okay. It's weird. Well, how long have you guys been dating? It's a weird relationship.

[B]

About nine months.

[A]

I'll call him in the post show. Nine months. Okay, so that's why I was gonna say, listen, if you're gonna move out and he's getting your security dep. Time to move in together. But nine months. Okay, you know, maybe we're not ready for that yet. Yeah, you know, maybe we are. Some people move quicker, some people move slower. Actually, I've, you know, it's a weird situation, but my girlfriend and I moved in really quickly and I moved in.

[B]

Really quickly with the last person and I won't do that again.

[A]

Yeah, but you guys did do five years and you wanted to continue to make it work. He just didn't like you. Can I call him in the post show?

[B]

No.

[A]

Okay. Money or the friend?

[B]

Why does you owe your name 800-700-? And it was the same kind of thing as the boyfriend earlier trip or the. No. So Because I know, I know, I know endlessly.

[A]

Not even this. And then you refuse to take care of the dog. And not only that, but then every time you move, you have to borrow. Oh, come on. Then the last time you moving because every two times.

[B]

The most expensive one.

[A]

How many times are you moving?

[B]

The most expensive one. I told you how many times I've been. This year.

[A]

This year? This year. I'm talking about in general. How frequently?

[B]

For that I lived in an apartment for a year. Before that I lived in an apartment for about a year.

[A]

But then you, instead of actually fixing the actual problem, is this. This endless cycle down and it ends with borrowing from people close to you. Your friend. Your friend. You don't want to borrow from a friend.

[B]

I know I didn't want to.

[A]

But you did.

[B]

I know.

[A]

And you still owe them how many months later?

[B]

I don't remember exactly when that was.

[A]

What is the agreed upon payback with friend?

[B]

There was. We didn't really like.

[A]

Why? Dude, come on. Why not at least establish something out of any kind of responsibility or respect for your friend?

[B]

I know that's like those two things are the most like out of the debts that I owe. Obviously I didn't get things out of collections, but those are the most important things that I want to take care of first.

[A]

And why haven't you. You make an okay income for relatively low overhead. I am confused why you have not paid them off. This doesn't make sense. This is not stacking up.

[B]

I also don't feel like I spend that much money on stuff that I got a question.

[A]

Let's see. How much money did you spend last month total?

[B]

I mean, including Ubers and everything? I don't know. Probably.

[A]

Okay, total across the board.

[B]

Like with rents and everything. 30s, four, maybe.

[A]

What?

[B]

3400.

[A]

Okay, 5200. I mean.

[B]

Okay.

[A]

I mean, what? Oh, sure. Take a little peek.

[B]

Okay. Take a little peek. Girl less at nausea Bevy than I thought I would have a lot of money at turn style. That makes sense.

[A]

Okay, what's turnstile record?

[B]

That's where I go for teeny time. Espresso martinis.

[A]

Oh my. What the. Dude, that is more important than you paying back your friends. That is disgusting. That is selfish. What the is wrong with you?

[B]

Well, I usually Am not the one actually paying for it. That's actually.

[A]

But you did regardless what you did, owe your friends 700. Still owe your boyfriend 1200. Who the are you? You're gonna go borrow at a 20% interest rate, a car at $20,000 at your financial situation, yet you go have teeny time. Teeny. All right, 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 amounts and up to 8.1% APY on your money and up to 3.5 matches 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 sit and three, automate your investing with acorns. Usually sign up. Incentives are only five bucks, but you get $20 with my link. 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 and get a 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. And take the [e-mail] you will not regret any of these. Change your life today. Think you're entitled to teeny? You teeny. You don't get teeny.

[B]

Pay back your boy.

[A]

You know what else is who has a good teeny? Your boyfriend. Pay him off. Pay him off. He's lending you for a bunch of. Your friend. Your friend. You don't even know how long ago you borrowed the $700 and you're going and getting teenies. That is selfish. It is disgusting behavior.

[B]

Okay?

[A]

It is not what a 31 year old should be doing. I could see that at 21. This is a joke. You're well into adulthood. No more.

[B]

Well, I. Yeah, I got into a habit of spending too much and now I'm having to.

[A]

Are you an alcoholic?

[B]

Dial it way back. No, I actually drank way less than I used to.

[A]

Were you an alcoholic?

[B]

Not diagnosed.

[A]

You're just cope.

[B]

Yeah, it's more of a cope thing.

[A]

Listen, I'll get you on the fizz card that helps build your credit. It's a debit card that builds credit.

[B]

Okay.

[A]

Because you can't be trusted with debt for whatever. If you want to get. If you want to get into a new career field that also gets you a course career certification to build your resume. And you know, if you want to get out of the bartending world, you're making a good income. But who knows? It might be hit or miss. I bet that's not a very recession resistant industry, by the way. Remote. Good luck. That's not really much of a thing. As much these days for anyone I know.

[B]

That's. Yeah.

[A]

So I don't think. I mean you're just gonna like gonna have to get a job, a big girl job at some point. And again, this isn't about jobs. It's not. It's not really resistant to recessions.

[B]

Yeah.

[A]

As much as many other things.

[B]

Also fluctuates.

[A]

Like you look like a nurse. Like you look like a mean nurse.

[B]

No, I don't want to be a nurse.

[A]

Look like a mean nurse.

[B]

Nurses aren't supposed to be mean. Oh.

[A]

But they're all. Except for my mom. She's lovely. She's really good. I love her. The rest of them are real quick. The rest of them are kind of. That's what they're known for, right?

[B]

I don't know. I've only had.

[A]

They're the mean girls at school.

[B]

I've only had nice nurses.

[A]

When you go to the hospital. I'm talking about when you go to like school with them. All right, we're not playing fuzzy. Calm down.

[B]

Move your face.

[A]

I don't have a mullet and a full beard and selling. Okay, okay. What is this? Death. The previous landlord.

[B]

8,000.

[A]

You don't have to tell him we said it. He can watch it.

[B]

Yeah, he probably will.

[A]

That is 8,000 to a previous landlord's insane. What the kind of amount is that?

[B]

Apartment duds.

[A]

No, that's.

[B]

That's. We already discussed that when I told you that like the dark's kind of too holding.

[A]

Well, it was 8,000 hours worth of repairs.

[B]

I didn't live. I didn't like leave it as like clean as I should have. Yeah. Because I moved out quickly and I had to be up at a certain time, so I just moved all my shit out.

[A]

$8,000 is insane.

[B]

Yeah.

[A]

You have any photos of this? Any pictures?

[B]

No. Why am I supposed to take pictures? I'm sure they do.

[A]

It would be good for fighting back if you had to.

[B]

Yeah.

[A]

So what's your method to pay this back? What has been the idea? Because this is. Thousand dollars is insane.

[B]

Well, so they.

[A]

Any income. That's a substantial amount of money.

[B]

Yeah. So the thing is, with the apartment desk, they like the. Apparently the property management company, they can't. They won't take a partial payments because I was like, can I make payments on it?

[A]

And they were counterproductive to them.

[B]

Yeah, I know, it was really weird. I was like, so even if I can give you 500 right now, it's on your.

[A]

On your credit. Yes, me. Has it been sold off to a collections agency or is it still the apartment? So if so, they might be willing to go on a payment plan, right?

[B]

Yes. So now it is on a payment plan.

[A]

This is not a payment plan.

[B]

Yeah, yeah. In the, like, debt.

[A]

Okay, so I signed in the debt relief.

[B]

Yeah. It's not a consolidation loan. It's like the debt relief thing.

[A]

I know.

[B]

So like, now it's like, money's going towards it because I pay 544amonth going towards debt. And then they, like, disperse it to all the things that I owe.

[A]

Then why is there an other landlord debt? Why is there.

[B]

Okay, that's the most. That's the most recent one.

[A]

Recent one. You know, you shouldn't have to say that to. About landlord debt to previous apartment debt. Oh, that's the most recent one.

[B]

Whatever, dude. Okay, so. Okay, okay. So anyways, what is this response? So that one is. She's saying that, like, she needs to, like, replace all the flooring in the room.

[A]

Train your dogs.

[B]

Okay, so. Yeah, so. But then I don't think she did the math right either. I don't think it's that much.

[A]

Well, you didn't take pictures to challenge it, and that's the problem.

[B]

I know. I might get my old roommate to do that for me because there's still nobody living in there.

[A]

So she's still in there.

[B]

The old roommate is. So it's just like she rents out. The landlord just like, rents out each individual room. It's not like everybody literally caught the.

[A]

Dog peeing on the carpet.

[B]

What?

[A]

That's the note I just got. The landlord caught the dog peeing on the carpet in one of the places.

[B]

The landlord, she, like, would end up coming by the house, like, unannounced and then just like, walk into my room. And then she was like. Didn't like seeing the dogs there. She said that the dog peed on the floor. And then now she has, like, I.

[A]

Was a dog pissing on the floor.

[B]

That's what she said. I mean, wasn't there when I got home.

[A]

Your roommate.

[B]

No, the landlords. The landlord.

[A]

Your roommate cleaned it up.

[B]

Maybe. Okay, yeah.

[A]

Maybe you didn't ask.

[B]

Maybe the landlord did. I don't know. No.

[A]

Should I have asked if someone's claiming that the dog peed? I tried to figure out because that would result in debt to me.

[B]

Yeah.

[A]

So when's the next debt to your current landlord?

[B]

I don't have any. That's.

[A]

I mean, it's just when you're gonna get kicked out because the dog's gonna destroy this place.

[B]

I guess whenever that happens.

[A]

Why are you so irresponsible? Why do you not give a. I'm.

[B]

Trying to do better with the dogs.

[A]

Okay. What are you trying to do better? What's the. Trying to do better? Going out less. Okay. You still at work 40 hours a week, and I know you're with your.

[B]

Boyfriend, taking them on longer walks and trying to get their energy out.

[A]

Does that help with the anxiety specifically?

[B]

Yeah.

[A]

Okay.

[B]

So. And so far, I mean, they've been good. Even like towards the end of the time that I was living at the last place it, I was, like, taking them out more, throwing, like, I had a big yard, so I was, like, spending more time throwing the ball with them. And then they were fine. They didn't really do anything.

[A]

Now you struggled to send us statements.

[B]

Yeah.

[A]

We tried to help you the best you could.

[B]

Yeah.

[A]

So I'm gonna have to screen record from your phone if you want to. Can you pull up your credit karma for me? Because I don't know what the struggle was, so.

[B]

Yeah, so that the credit karma thing shows, like, closed accounts.

[A]

Yeah, I'll see.

[B]

Okay. But let me pull up the national debt relief. Thanks. That gives a better breakdown.

[A]

I know how to navigate credit karma.

[B]

Okay, well, I was gonna go the national debt relief thing because it gives a better breakdown, but here I just.

[A]

Want to see what your credit karma says. Dude, we can look at both.

[B]

Needs.

[A]

Work is an understatement.

[B]

I'm aware.

[A]

Okay, so what do we got going on in here? Oh, wait, hold the. You know, you have some open credit cards. We gotta chase freedom at 350.

[B]

That, I think is one that must. Because my ex and I had a card together. I don't have no.

[A]

Oh, and this is why we opened up credit karma.

[B]

I don't think there was a chase one on there. Is there.

[A]

Is this just an example?

[B]

It might be an example or like an.

[A]

This must just be an example.

[B]

I don't know. You said you know how it worked. Credit karma seem to be struggling.

[A]

16,000 on this. So we have the 9089. That's from that. No. What's this 9089.

[B]

Is that the debt relief? No, wait, let me see which one you're looking at.

[A]

Ah.

[B]

9089. Oh, the green sky. That's the hot tub. He's making the payments on it, but.

[A]

It is on your credit.

[B]

His name is also on it. So he's at least making the payments.

[A]

Stops or dies. You're.

[B]

Yes. I don't have a way to sell it at this point.

[A]

What's your relationship with him now?

[B]

We don't speak sake.

[A]

So what happens if he all of a sudden misses a payment? You say he's a piece. Maybe he will.

[B]

Well, his name is on the loan too, so he has to to.

[A]

I know, but what if he has a delinquent who doesn't give a. I don't think people up their credit all the time. Who's to say he doesn't?

[B]

I mean it's very possible, but yeah, I mean if he dies, you can find anyone else. Yeah, he's married. Yeah, that happened quick.

[A]

So it was you. Okay. Hot tub. 9,000.

[B]

I get emails every month that the nine.

[A]

Well, that's good. But it's $157. I'm going to put it in parentheses. It doesn't go to your normal payment. But even still, I mean, that's scary. That is an extra $10,000 on top of your loans. That is just added if something happens because you will have to pay it to not your credit. If he decides not to pay it.

[B]

I know at that point I would just figure out a way to sell it.

[A]

Can we contact him to refinance it and get you off of it?

[B]

The. The idea of talking to him sounds absolutely horrible.

[A]

Stop being such a whiny.

[B]

He doesn't want to talk to me either Transaction.

[A]

This is a business transaction. You're not calling him up and asking him about his day.

[B]

Yeah, I don't know. I don't. I mean, how much of a difference him right now?

[A]

Text him right now.

[B]

Just text.

[A]

Huh? Okay, well let's see. Can you just try to text them? Oh, sorry. Yeah, this is your phone. Text them. Hey Kamal, what do you think about refinancing the hot tub loan to get me off of it? Okay, send a text, see what happens.

[B]

I.

[A]

You're not even willing to do that?

[B]

He like, he was really bad. He like, was like. Yeah, not it Makes me nervous to text him. I mean, I can.

[A]

What's he gonna do? What could he do?

[B]

I don't want to get yelled at by two pull men today, so.

[A]

Okay, that's fine.

[B]

That's okay.

[A]

I, I, I, you know, total. Totally good. But for limiting your risk as well, I do. Again, the main intent isn't for you to contact them. I don't give a f Ck about that. The main intent is for you to get off the debt.

[B]

Right.

[A]

What is this? Fab cred. Fresh.

[B]

Fab. That is a line of line of.

[A]

Credit of you that you have.

[B]

Yes.

[A]

Just you?

[B]

Yes.

[A]

Sake. Did we even get a statement for that, or is this fresh? Are we learning about this for the first time? We're learning about this for the first time. Okay. Line of credit. Okay, that's wild. Now, why do we have a balance on a line of credit?

[B]

Because I used it. Why would I get a line of credit and not use it? I needed it.

[A]

For what?

[B]

You're gonna hate this.

[A]

There it is.

[B]

It's as.

[A]

To pay rent, $330 a month payment. Can you pull up your line of credit for me? All right, here we are.

[B]

I had paid off a good bit of it.

[A]

The balance went up to $1,389.42.

[B]

What?

[A]

It's over the credit limit.

[B]

That has to be just interest. Which doesn't make it better.

[A]

No, it doesn't. If you make your payments, it does not make it better. That makes no sense. Sense.

[B]

Yeah, it. That was kind of an emergency situation.

[A]

So does this draw into cash?

[B]

Yes.

[A]

Okay, so where would I have seen the cash be spent? In your checking account.

[B]

Yes.

[A]

So you saying earlier that you don't spend on credit cards, only in your checking account? No. Because you pulled from credit into your checking account to spend on it.

[B]

I forgot about that one.

[A]

Huh?

[B]

I forgot about that one because I don't use that much.

[A]

You? Well, no. Okay. Minimum is actually 82. I don't know what credit karma was saying, but sake, dude, you're over the limit by a hundred and, like, 25. 130 bucks. That's insane, dude. That's crazy. What are we doing? Kickoff. You just got kickoff.

[B]

Yeah.

[A]

Okay. And what are you doing as kickoff? Because there's good ways to use it.

[B]

Recently, I haven't really used it.

[A]

Well, I advocate for it in the credit building way, but I want you to just be careful.

[B]

Yeah, I haven't really done anything with. I just recently downloaded it.

[A]

Okay.

[B]

I haven't really figured out how the best Way to use that is yet.

[A]

Now here we go. Good old collections. Data International. $5159. What is this?

[B]

That's goes into the apartment debt. That's what that is.

[A]

Additional.

[B]

No, no, no. That's like the chunk of it.

[A]

Okay, what's your minimum on this? So I'll cross off. So I crossed off the two previous landlords and now we put this in.

[B]

Okay. It's in the sets. That's in collections. It's in the payment that I make towards the debt relief thing.

[A]

What all is in the debt relief, dude? Because I don't see the.

[B]

I can show you.

[A]

Okay, show me the debt relief. This is such a mess. What a mess. Why'd you do this? Debt relief specifically.

[B]

Especially if they were in collection. So I could have one payment.

[A]

Yeah, but they were in collections. You didn't have to make a payment in collections. Sure, they could have sued you and gone after you in court, but usually, no.

[B]

If it's in collections, I don't have to pay it.

[A]

Well, my credit, it's not about that. But yes, your credit sucks. And the $5,000 one, honestly, is pretty chunky. Maybe they would have gone after you in a legal way. So, you know, that one I'm okay with paying on for sure. But usually after a few hundred bucks, you know, they don't really come after you in a legal sense. And it's not that you don't have to pay it. Moral obligations, sure. But it falls off your credit in seven years. That's seven years of you being. And not being able to apply for any debt whatsoever.

[B]

Sometimes that's not the worst in the debt relief thing that I'm paying off on. Oh, start to capital one.

[A]

Oh, the capital one itself is $21,577.

[B]

Yeah.

[A]

What is happening?

[B]

Yeah, that was the big one that I racked up after. That was my coping card.

[A]

How long did you spend? $21,577 a year?

[B]

Year and a half.

[A]

That's insane. All on just going out and bevin it up.

[B]

That's wild. I like, I just also used it for, like, other necessities like dog food and hellofresh. And so it's not like I only use that for going out.

[A]

I'm saying now I have. Oh, Madison Adele 5795.

[B]

That's one. That's like I.Q.

[A]

Marcus loans.

[B]

What's that one?

[A]

I don't know.

[B]

Let me see.

[A]

Marcus loans by Goldman Sachs. It's Marcus.

[B]

Oh, that's it.

[A]

It's a Loan. Usually it's a high yield savings account that most people use, but you got.

[B]

A loan socks then. That's my Apple credit card.

[A]

Oh, you owed 5,000.

[B]

That sounds right.

[A]

3,319 on that?

[B]

Yeah.

[A]

That's crazy. You paid off a small couple hundred dollars Patient first one.

[B]

That's what was owed. Left on the boob job.

[A]

Oh God. She national debt relief. Her boob. She national debt relief her debts.

[B]

Well, I stopped making the payments on them and so they just like looped all into one payment.

[A]

Maybe they should repo them.

[B]

It cost them more money than I owe them.

[A]

What the are we doing where you can't pay for your own tits?

[B]

Having great tits.

[A]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit post shows. Exclusive, exclusive and uncensored financial audit episodes. Our call in show Hammer it out. Well then take the train. And brand new shows Fat and fatter. There is no one I would go off brand behind the audit. What? This was wild. Shop smart and now upgrade 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. You guys are destroying your financial future. Spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal eleven hundred dollar monthly car payment.

[B]

Yeah, it's getting a little tight.

[A]

Two hundred and sixty four dollars in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances. How? Just download the dollar wise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing hundreds of dollars a year on things you don't need. Download the dollar wise budgeting app today and take advantage of your free trial.

[B]

Hey, your buddy said worth the money.

[A]

He's obsessed with the faker. The better.

[B]

He has good taste.

[A]

Okay, national debt relief is not a bad thing. It's just like. It's just like the debt you got into is crazy.

[B]

I know.

[A]

Now you really got titties on here.

[B]

Yeah, only a couple hundred. And I just looped that into one payment.

[A]

Well, you paid that off immediately. But you've only made $839 of progress on $31,530. So it's like great, great. So you owe $30,691 on here. Now we're crossing off of the total debt the previous landlord debts. But we still got the boyfriend, the friend, the hot tub, the line of credit, and now this $30,691 of debt, which most of it is that capital one, which is crazy.

[B]

Yeah, that one got a hand crazy.

[A]

What is your minimum monthly payment on this thing?

[B]

Well, now I pay it all in one payment to national debt relief.

[A]

Huh.

[B]

Now I pay it all. Like. Yes, I pay it. I pay 544amonth.

[A]

There you go. That's what I was asking.

[B]

Yeah, the capital One card.

[A]

Huh?

[B]

You asked about the capital One card, not the.

[A]

Well, I. Okay, sure. Maybe I meant this, though. So $544. $540. How long have you been in this?

[B]

I started racking that up about three years ago.

[A]

No, no, no, no. The national debt relief. Are you sure you just can't answer questions?

[B]

Are you sure you can't ask questions? Right? I don't know. You're jumping from one thing to another. I signed up for national debt relief in January. Ish. January, February.

[A]

And it's been 544 this whole time?

[B]

Well, it was 273 every two weeks, and then I changed it to do just one payment a month because I found that.

[A]

Okay, so it's still the same. Yeah, but you've only made $800. You've made two months of progress.

[B]

Well, okay, so if you go to the last page, it shows, like, 2,700 in the account. So, like, I guess it's at the top. Yeah.

[A]

That they're using to negotiate.

[B]

Yeah.

[A]

Okay, so that's what's in there. Okay, I got it. That's rough, man. That's rough.

[B]

I know.

[A]

That's crazy. And now let's look at your spending. First of all, what. Even the. What is this? What is this account? Dude, what am I looking at?

[B]

That's my checking account.

[A]

Well, checking with who? What is this?

[B]

Capital One.

[A]

So Capital One checking. Okay. Immediately in here. Venmoing out $12.50. Venuing now $8.29 now. These are Ubers?

[B]

Most likely, yes.

[A]

Old Greg Brewing, $8.50. But we're struggling to survive. Great. Uber.

[B]

I got the happy hour.

[A]

Uber. Uber.

[B]

I told you I'm calling them out.

[A]

Still, though. And also, really, $838 of Uber in one sitting. That doesn't really make sense, I don't think. Look at that.

[B]

Oh, that was. That was for the deposit.

[A]

Oh, they're not all Ubers.

[B]

Like, the big ones are rent.

[A]

Okay, then half of them have been Ubers that I've called out so far. By the way, majority of them smoker buzz.

[B]

It was a vape.

[A]

You're a vaper. Why we are we. You're older than me. I know for a fact you were not in the vape high school world.

[B]

No, I was not.

[A]

You picked that up. What a stupid thing to pick up. That's such an expensive. How often are you getting vaped?

[B]

Like once every two weeks.

[A]

How much is it per?

[B]

20. That's not that bad. $40 a month.

[A]

Shut the up. What are you talking about? That is $500 a month. That is an extra payment on your national debt relief a year. That is an extra payment on your national debt relief a year off. That is substantial. Everything little, every little thing counts. Uber, Uber, Uber. And by the way, we know when some of the Ubers they're uber eating.

[B]

Yeah.

[A]

Taco Bell. So shut up. That's all Uber. So Uber turn still Coffee night, Owl bowl. Uber eats. Probably Uber. Uber, Uber. Uber eats. Probably Uber, Uber, Uber.

[B]

See, the majority of my spending is getting around.

[A]

Come on. There's still UberEats. You. It's unacceptable to be doing ubereats in your situation when you owe money to friends and boyfriend. What a disgusting thing to do. Spoken Highland. Uber eats. Or actually large. Uber. So something else. Easy, tiger.

[B]

100.

[A]

Uber, Uber, Uber, Uber. And also maybe you're going around too much. Maybe you shouldn't be going out if you cannot afford. Maybe you shouldn't be going all these places if you can't afford the transportation or take the bike or scooter or transport or bus. I know you can bus from your area. You can bus. Is it convenient? No, you can planet Uber, Uber, Uber, Uber. Metro thing is like 50 bucks a month or something. Or 100 bucks a month. I mean, you do that in a day. Uber, Uber, Uber. Netflix. Going in and getting some bull from the gas station. Certainly know it's not gas for you. Cash apping out money. Uber, Uber. Maudi's, North Lamar. Probably Uber Eats, then Uber. Wendy's.

[B]

No, Mahdi's. I didn't. Uber eats. That was.

[A]

No, I'm talking about the next ubering thing. Nosh and Bevy. The Hideout Pub. Uber spokesman, Highland. A huge Venmo of 650 bucks. That was Uber, Uber, Uber, Uber, Uber, Uber, Uber, Uber Eats. Probably Uber, Uber, Uber Eats. Probably Uber Eats. Probably cash app being sent out. Uber, Uber. Coffee, Kung Fu salon. Kung Fu salon. Uber eats. Probably venmoing out $500. So many of these this month, Wendy.

[B]

That's how I was paying rent.

[A]

Jack, Ginger's, weekly because it's like every second.

[B]

Well, I paid. Made some partial payments.

[A]

Dude, Uber eats probably while she's making partial payments.

[B]

Well, actually, the $500.

[A]

The Grand Bazaar. Uber, Nash and Bevy while she's making partial payments. Uber eats probably.

[B]

That's my 401 was Uber Eats probably.

[A]

Uber, Uber, Uber, Uber, Uber, Uber, uber. Hulu for $90.

[B]

I knew you were gonna hit on that.

[A]

What the is that? I already have peacock that you try to justify.

[B]

Hulu has different stuff, and it has the live. I pay for the live.

[A]

Guys, Hulu has different stuff.

[B]

It has the subscription I have gets the live. So like cable.

[A]

I don't care. You do not get cable if you cannot afford life. You have. You owe your friend and boyfriend money.

[B]

I actually think I pretty sure I changed the Hulu one, but it just hasn't haven't been billed for the next cycle.

[A]

Bro, this is so stupid. Uber 1 Apple Cash sent out. White tiger going in getting some bull. Uber. Oh, my spokesman, Highland Uber Brew market. Apple, apple. Spokesman. Highland, Apple, Apple. Uber eats for sure. Go fund me. Go fund paying off your friend. You dumb.

[B]

My coworker has cancer.

[A]

I don't give a. I don't give a. I don't give a. That sucks that your coworker has cancer. You do not have money. And also, if we're being completely honest, that absolutely sucks. $30 is not going to do anything.

[B]

I know, I know.

[A]

It's about the lots of small amounts. Makes a cancer payment. Like, I advocate for that. I support that. Let's absolutely give. You're not in a position to. And you're hurting yourself. I'm sorry. Send me theirs, and I'll give them much more money. That's. That's what matters more, you know?

[B]

Yeah.

[A]

And the more you want to give to things in the future, the less you'll be able to. Because you're preventing yourself from being able to do anything by. By not allowing yourself to dig out of a hole. That's what happens when people want to be a little charitable here and there, but they're in a bad financial situation. It prevents them from being much more charitable over the course of their life. Because you need to get out of this, and then you can give so much more. So it's not about the cancer thing. That's sad, but it's obviously about just the overall situation. Cash app, 60 bucks. Barbecue Chicken USA Zilker Brewing Company. Uber Eats. What the. Pull up your checking account for me right now. What a joke. What a joke. That Spending is horrendous, disgusting, unacceptable for someone who owes so much money to people in their personal lives. What a joke. Available balance $92. That's insane. Dude. That's insane. I started with 21. That's insane. Surprised you have not overdraft this year, holding us so low. Holding us so low. We got. Oh, guys, we got a 360 money market account. Got. What is that, 87 cents. Wonderful. Of what you probably pay a fee to have.

[B]

I do not.

[A]

Okay, thank goodness. That's six cents in interest. Well done. That's crazy. Okay, before we build this budget, I mean, listen, there is an income conversation. There is again. I'm a little nervous about if we're in a recession or anything, your industry being impacted. What are we trying to do? Because it sounds like you have no idea what you want to do. You've been hopping jobs like crazy, right?

[B]

Yeah, I've done a few things.

[A]

Tell me, tell me over like the past 10 years, what have your. What's your job situations.

[B]

When I was a hairstylist for the majority of that time and that. Well, then Covid happened.

[A]

Yeah.

[B]

Yeah.

[A]

Well, but you're in Texas. We were closed for a month.

[B]

Yeah. But then I sat on the couch for a month and I started getting tech.

[A]

It was a you thing.

[B]

I. While I was sitting on the couch for a month, I started studying for exams and tech. Like Microsoft tech certifications. Yeah.

[A]

Okay. What'd you get?

[B]

I got two different Microsoft certifications. And then I got like. Once people started hiring again, I got a job. I don't even. One was Azure 1 and then one was a 365.

[A]

Okay. And then you.

[B]

Oh, pretty basic ones to get started in.

[A]

And then you got a job doing what Exactly. You're starting to tell me right now.

[B]

So I started tech support's good. Tech support. I was making 36k, so it wasn't great, but it was.

[A]

But can be good. You can move up in that and maybe that can get you into tech sales. Listen, it's not great in tech right now, but I can get you that certification specifically. Tech sales can be really lucrative. You don't seem like a people person. You're a little bit of a wrist slitty emo. Gonna kill everyone. But you know, if you decided to be a people person. I know for you. Exactly. That's why maybe you wouldn't be good in tech sales.

[B]

Yeah. Also a lot of sales jobs. You have to have a bachelor's degree and I do not have that.

[A]

This is tech sales. Though Sales. Sales is more about the grind. The numbers, the resume you bring and the things, the data you can show. The hustle of what you don't have. But a textile certification would help. Okay, so you went to tech sales. You're making 36, 000 a year. For how long?

[B]

About August to March. About seven, eight months.

[A]

Why so low? There's a little.

[B]

Because I got a different job making more money.

[A]

What was the different job?

[B]

I worked for SHI. Oh, it was like.

[A]

As what?

[B]

I worked for SHI As a. As a pre Sales service advisor. So it was like.

[A]

So still service.

[B]

Yeah, but good.

[A]

What were you making?

[B]

Technical 65.

[A]

Look at that.

[B]

Yeah.

[A]

Basically what you're doing now. Except it was probably more enjoyable. Right. More consistent, less grind.

[B]

Okay, well, yeah, they put everybody back in office and I was living in Round Rock at the time. And then I had to go all the way down south and it was.

[A]

Yeah, it sucks. Okay. Yeah. But okay, so what made you leave that? How long did you do that? I just assess your resumes. We're thinking of what to do next.

[B]

A year and a half.

[A]

Okay. Okay. It shows you stick somewhere for a little bit. I would have preferred to, but that's fine. And you're making 65. When did you leave that?

[B]

Where'd you go to left that? About two. Yeah. So I guess I've been bartending about two years, not three.

[A]

So that was straight to bartending two years ago. Why'd you go into bartending from that?

[B]

I wanted something really quick. And I also just really don't like.

[A]

Laid off or did you quit?

[B]

Laid off? They started laid off a bunch of people.

[A]

Okay.

[B]

Yeah.

[A]

Did you get severance?

[B]

Yes. Yeah. So then I went into bartending and now. And then I just kind of stayed with that. I've spent the last. Spent the last year managing a place, so to build some kind of management on my resume as well. Learned a lot, so I can't stick to a place.

[A]

So your resume's okay? The bartending thing, honestly, isn't really gonna help it, unfortunately. Cause it shows that you left. Checking you in disservice.

[B]

Yeah. But the management.

[A]

Oh, you and your boyfriend want to move to San Diego. How are we doing that? How's it even possible?

[B]

Well, that this has got to get worked out first.

[A]

Well, this is an insane amount of things to get worked out first.

[B]

I know.

[A]

What's your rent?

[B]

875.

[A]

What about utilities?

[B]

All combined about 150.

[A]

Okay. What's your phone bill?

[B]

110.

[A]

Still have your cause. What is it? License.

[B]

I don't have it anymore. It expires.

[A]

Why? Oh, can you re up? How as easy is it to re up?

[B]

I might be able to re up. I'm not sure if I would have to take state board again because it's been so long.

[A]

Your minimum payments are 907. Reminder, your income is 4,116. Okay. Did you calculate your Internet and your utility payments or is that separate?

[B]

Yeah.

[A]

Okay. How much on ubering a month? Well, we kind of did it. Listen, I saw about 10, 10 back and forth. Well, let's round up to 12. You do five days a week, so that's 24 times 5 times 52 divided by 12. Okay, so that's $520 a month in ubering. That's chunky. That is a car payment. But you're not taking into account the interest that goes with it. Of course you get an asset in the end. Declining asset. Absolutely. Let's save up. Let's get a car. But. Except. Except no. Except you take the bus. I'm sorry? Take the bus. Like I almost. I. I almost convinced myself to be on your side for a second. No, take the bus. We live in a city. We live in a city that has a halfway decent bus network.

[B]

I can gaslight you back into.

[A]

No, you can't take the bus. I know where you live.

[B]

Yeah, no, you don't.

[A]

You told me before.

[B]

You have general area.

[A]

Yeah, and I know there's buses there.

[B]

I don't know where they are.

[A]

That's a map. You look at the map.

[B]

That scares me.

[A]

No, it doesn't. No one's on them in Austin. You'll be the solo rider.

[B]

Okay, maybe the train. I don't know where that wants us me is though, but it drops off.

[A]

Well, that's actually fine. That's actually fine. She told me where she is. Listen, you can take about a 10 minute bus to the train station and then train can take you to work. There you go. Listen, transportation, budget, I think you can do 300 bucks a month. Let's try to cut this down. Let's grind to the bone. 300. And that's me being generous, giving some Ubers here and there. Okay, you can do that. I know for a fact you can take a bus to the transit hub there. That takes the train to your work. And the train system is incredible here in Austin. If you can get to it, and I know you can, unfortunately the vast majority of people can't get to it because it's just a Very limited line, but if you're on it, it's a great train system.

[B]

Okay.

[A]

Okay. So 300 for your transportation budget. You should be able to do that. Food, you can do 300 for yourself. We'll give you the. Can I hand that? We'll get you set up with the budget from the cookbook. You follow it. 300 bucks a month. It's good. Remember, get it signed by signing up for Dollar Wise Central or the annual version of the Dollar Wise premium budgeting app. I'll sign it just like that. But use this. You can do $300 a month at HEB. We've priced it out.

[B]

Signed one.

[A]

You. Maybe I'll just burn yours. Yeah. 300 TP fund. Anything else you need to survive. 100 bucks. Medical, health care, any CO pays. Anything on a monthly basis. Prescriptions, whatnot.

[B]

Nope.

[A]

Okay. Gym.

[B]

I don't have that, but I would like to factor that into the budget because there's one. Right. By my word, 50 bucks.

[A]

What about a $25 gym? Well, okay, let's see if we can do it.

[B]

Let's see if we can do it.

[A]

Let's see if we can do it. Let's see if we can do it. 50 bucks. Subscriptions. Let's see if we can do $30.

[B]

30.

[A]

You.

[B]

Netflix alone is 17.

[A]

Pick one. Pick one. Okay, I'll see if I can do 40. Let's see. Okay. Dogs. There's no pet insurance.

[B]

No.

[A]

And they're too old. How much for food on a monthly basis?

[B]

About 80.

[A]

Okay. Is there a monthly care you have to do? Is there anything we have to think about with these dogs?

[B]

I mean, just flea and tick stuff every, like, three months. Okay.

[A]

How much is that every three months?

[B]

About 100 bucks for both of them.

[A]

So we'll call it 34 bucks for dogs under health. Obviously, one's 12. Some expenses will start going up, unfortunately. And I'm sorry. Anything else that needs to be in your budget that I have not taken into account yet.

[B]

I don't think. Not that needs to be in my budget.

[A]

All right, let me do the math. What you need to survive is $2946 a month. So what are we doing here? This is totally fine. Let's just round it, give you $170 a wiggle room. Since this is, you know, a lighter budget, we're kind of, you know, you will dive deep in and you'll figure things out. Well, let's say you have a thousand dollars left over, and, yeah, it's still chunky.

[B]

And still, to factor in the. The debt payment.

[A]

Yeah, debt payments of $907 a month. Listen, $30,691, plus 1,389 from the line of credit, plus 1,200 from the boyfriend, plus 700 from the friend not doing the hot tub debt. And we. Obviously, the first one was the national credit relief. Debt relief. Divided that by a thousand. I mean, it's pretty basic math at that point, but that is 33 months. That is not the worst. We're talking about two and a half years, close to three years, actually, to.

[B]

Get it paid off.

[A]

Yeah.

[B]

Okay.

[A]

Two years and two quarters for a bartender is amazing. People take five, 10, 20, 30 years. When we do the calculations on this, 30 years, you can do this in literally under three. Boost your income, get a second job, boom. Get this paid off in two years total.

[B]

Okay.

[A]

Come on. It's everything. This is incredible. You have the opportunity of a lifetime here. Here's the reality. You don't have an emergency fund. That is scary. You keep borrowing from friends. I'm surprised you're not borrowing from family. I guess it's because of the disappointment. Right. I want you to pick up a second job, bring in an extra $500, pay this off in two years. $500 a month. That's all I'm asking you to bring in extra. Okay. You missed some personal clients on the hair job, you know, side. I don't know. Which is whatever. It could be. Coffee shop, doesn't matter. Pick up more hours at the bar. Go to a different bar, you know, I. I don't know. I don't know. But.

[B]

500.

[A]

Are you working on one of the party streets?

[B]

No.

[A]

Probably make more money there, right?

[B]

Maybe. It depends on the season. It fluctuates a lot more. Yeah. In the hours, but.

[A]

But, yeah, but that's what. That's what the money is, though. This is a grind for two years. You can do this in two years and then call in another six months to build a fully funded emergency fund. Okay. I'd get a one month emergency fund or save up whatever. Your highest deductible for any of your 20.

[B]

What, 29? Is that what we said?

[A]

Huh? Yeah, with your debt. But it would be closer to 2,000, 2,100 once your debts are gone. So, yeah, I would save up about 12,000 bucks. Okay, so call it two and a half years to have a fully funded emergency fund, all bad debt paid off. Keep taking public transportation through there as long as you absolutely can with a little bit of Ubering. Do not get a car yet. Do not get a car. And then at that point, we are saving up $5000. I'll let you put $5000 down on a $10,000 car and then you aggressively pay off that 5000.

[B]

How long is a $10,000 car gonna last me though?

[A]

For a while, dude.

[B]

Cars are expensive.

[A]

Cars are expensive. And it's not as easy as it has been to find. But you're in a large metro area in the Texas triangle, which means you're in the middle of also four large metro areas. So you have a lot to choose from. And no matter what car you are getting, you are taking that car to not one, but two mechanics to get them to look at it. So you're going to pay for them to look at it and give their full sign off that this is going to be safe. This is going to last you for a few years without major repairs. Because this is not a forever car. This is a few year car. And you pay off that extra $5,000 in debt. Preferably not with the emergency fund, but if it's high interest. Yeah, use the emergency fund. Boom. Then you have a paid off card and you got to build up the emergency fund again. But if it's low interest, then you just pay down and then. Listen, I didn't see a retirement account here. Is there retirement?

[B]

No.

[A]

Okay. Then at that point, once that is done, we're talking maybe three, three years and a quarter.

[B]

Then we are getting a car for 10k.

[A]

No, no, no, no. This is after you paid off that car. Then we are doing 50, 30, 20. 50% on your needs, 30% on wants, and 20% to investing. Maybe 30, 25. 25. Cause you'll be starting mid, mid-30s retirement. So you last. You lost the best decade of your life for compound growth and you lost half of the second best decade for compound growth in the marketplace. We really need to start catching up. So we have a shot at retirement, Shot at dignity in retirement. Because this is. I'm not relying on security for then. Well, that's a bad way to look at things. Well, let's look at the higher likelihood chance that it's not going to.

[B]

Okay.

[A]

Okay. So that's what I recommend. I'm going to call her current boyfriend and talk about what her debt looks like because he probably has no idea because she didn't even. You even know about the line of credit. You don't even know about the line of credit. We're gonna talk about his debt and stuff. So I'M gonna call him. Confront the situation in the posture. Let's get her hammer financial score first. Okay, spending a budget. You overspent. 0 out of 10 debt, you have collections zero. 10 emergency funds. There's nothing zero out of 10. Retirement? There's nothing zero out of 10 dot real estate? There's nothing zero out of ten.

[B]

Wow.

[A]

Hammer financial Score. It's been a while since we've had one of these. Literally a zero out of ten. And she thought it was a three. Good the look. Get your financial score get your financial score [e-mail] and come join us in the post show by joining Hammer Elite below three premium shows posted Monday through Friday every single day. I'll see you in the posture. I'm calling your boyfriend. Hello, big guy. Your girlfriend owes you a lot of money. What does she do instead? She opened this conversation bragging, hey, I don't spend on credit cards anymore. You know what she did, which you probably do not know because she doesn't even know she's over maximum maxed out on it, which is why she can't use it. I did not know that. Now, does her financial situation make you hesitate? This relationship? Yeah, it's. I mean, well, that is a. Yeah. Something that does weigh on my mind a little bit about this relationship for sure. Elusive Members Content Click the link in the description or PIN comment below and watch thousands of hours of extra and uncensored content.