Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit

Summary

Financial Audit Podcast – Episode Summary

Episode Title: Dave Ramsey Was Wrong, Now She's F*cked | Financial Audit
Date: June 13, 2025
Host: Caleb Hammer
Guest: Isabella, 34, Clearwater, Florida

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Overview

This Financial Audit episode features Isabella, a self-described "rave mom" from Clearwater, FL, whose finances are spiraling due to a mix of low income, high cost of living, impulsivity, heavy festival spending, and substantial debt ($75,853). The episode explores how mental health, FOMO (fear of missing out), and rationalizations lead Isabella to recurrently make poor financial choices, outpacing basic personal finance advice (like Dave Ramsey’s methods). Caleb applies characteristic bluntness to challenge her thinking, offering both tough-love critique and a detailed examination of her budget and behaviors.

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Key Discussion Points and Insights

1. Isabella's Background & Income Challenges

[00:32–03:14]

• Isabella is a 34-year-old medical assistant earning $20/hr in Clearwater, FL.
• She brings in about $2,700/month after taxes, plus ~$250/month from DoorDash side gigs.
• Rent and utilities: $1,230/month (41–45% of income—well above the recommended 30%).
• Lives in a studio, which is modest, but still struggles due to local cost of living.

Notable Quote

“You’re working on the low-income scale in the medical field.… If you want to stay in Clearwater, you need to make more.” – Caleb [11:13]

2. Festival Lifestyle & FOMO-Driven Spending

[01:14–02:37], [16:24–28:04]

• Attends about three music festivals per year, and monthly shows (a core part of her happiness and social life).
• Spends freely to avoid FOMO, often opening new credit cards or making minimum payments just to continue participating ("rave to the grave").
• Admits to using credit cards even when maxed, rationalizing that she “could die any day” so wants to enjoy life now.

Notable Moment
Caleb runs a FOMO-vs-Responsibility quiz ([18:01–24:18]), where Isabella repeatedly chooses FOMO (e.g., festivals > paying off debt; dining out > saving), highlighting her priority disconnect.

“You’re honestly choosing to push yourself for the things that you enjoy and refuse to for the things that bring you any struggle. If we’re being honest. Come on.” — Caleb [17:36]

3. Mental Health, ADHD, Avoidance, and Excuses

[07:53–13:05], [38:12–40:01]

• Multiple references to ADHD, anxiety, and (later) autism as barriers to personal progress (especially returning to college to improve her earnings).
• Caleb points out her tendency to use these as excuses for not doing “slightly inconvenient” but necessary things, while being highly motivated when it comes to enjoyable activities.
• Isabella admits she dropped out of online college classes due to anxiety/lack of structure, not academic difficulty.

Memorable Exchange

Caleb: “Other people who have obstacles live very successful lives. They seek medication, they take therapy…”
Isabella: “Raves are my therapy.”
Caleb: “That is not working, because you can’t afford to live and you’re in $75,000 of debt. This is dumb.” [15:55–16:24]

4. Failed Attempts at Financial Reform (Dave Ramsey, Budget Apps)

[28:04–32:58]

• Her mom tried to get her on Dave Ramsey’s CDs in the past, which she found too simplistic or irrelevant.
• Caleb presses that even the basic snowball method is ideal for her, and her inability to implement the “most basic” system suggests deeper mindset blockers.

“Dave Ramsey did not fail you. You couldn’t put a CD in the player.” – Caleb [32:02]

5. Pattern of Debt: Credit Cards & Cosmetic Loans

[41:23–82:32]

• Isabella’s credit card debt is distributed over at least five cards, all of which are maxed out or over the limit.
• Takes out high-interest (30–36%) loans for wants (Botox, spa treatments) while essential car repairs go unfunded.
• Continues to spend on Amazon, festival outfits, flights, and takeaway even after overdrafting her accounts.
• Her “sleep shopping” (buying things while medicated for insomnia) exacerbates the problem—Caleb points out she could simply delete the shopping apps as a basic solution.

Notable Quotes

“If a concert is more important than your future, more important than existing, you have a problem.” – Caleb [18:33]

“Your only tool is a vortex [energy vortexes in Sedona], and it’s bull.” – Caleb [65:13]

“You know how many people have gotten out of debt using the snowball? It’s because it works.” – Caleb [31:39]

6. Enabling Environment & Lack of Consequences

[67:49–70:53]

• Isabella sometimes borrows gas money from her mother, who enables her (in small doses), but the debt cycle continues.
• She’s survived (barely) thanks to family bailouts but hasn’t made sustainable changes.

“It is disgusting what you are doing to her. This 34-year-old grown asshole.” – Caleb [70:13]

7. Stagnant Income, No Retirement, No Emergency Fund

[86:28–96:37]

• No retirement savings at 34, and a high student loan payment ($525/month, pending recertification/IDR).
• Living essentially paycheck to paycheck, with nothing set aside for emergencies, future housing upgrades, or medical events.
• Current career offers no path forward—no benefits, no retirement, and no upward mobility.

Notable Quotes

“You have $0 in retirement. At 34. Whoops.” – Caleb [66:21]

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Notable Quotes & Moments

FOMO Quiz and Rationalizations ([18:01–24:18])

• Caleb: “Opening a new credit card to go to a new festival with a killer lineup…”
• Isabella: “I get too much FOMO if I don’t have enough money. I know I could put it on credit and pay it off later. Eventually.”
• Caleb: “Eventually? $75,853 of debt. And you’re not paying off debt. What are you talking about?”

On Sleep Shopping ([43:58–45:54])

• Isabella: “I have insomnia, so I take sleeping medication... Sometimes I’ll sleep-shop on Amazon.”
• Caleb: “A reoccurring occurrence where we can't stop purchasing things? Delete the app, you dumb tit. What do you think you should do?”

On Her "Toxic" Living Situation ([34:06–39:03])

• Isabella: “It was just a toxic situation… after four years living together, we had a blowout.”
• Caleb: “Living with someone who’s not an emergency... your level of toxic is pretending like it’s something more dramatic than it is.”

On Debt Rationalizations & Festival Spending ([62:26–66:53])

• Isabella: “I went to Sedona for peace… hiking in nature.”
• Caleb: “You don’t have peace to be found no matter where you go, no matter what you do, when 45% of your money goes to rent.”

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Budget Review & Solutions ([91:23–96:37])

• After reviewing her income ($3,000/mo max, inc. side hustles) and debt minimums (~$800/mo, not counting student loans), Isabella is technically barely scraping by, with zero wiggle room.
• Caleb prescribes limited, actionable options:
  • Return to school (make use of accommodations and supports).
  • Seek a higher-paying or additional job.
  • Consider bankruptcy—but only after demonstrating changed behavior.
  • Use the debt snowball (smallest to largest), with no new spending.
  • Build a 6-month emergency fund, then catch up retirement once stabilized.

Final Hammer Score:

• Spending in budget: 2/10 (“none of it went toward anything productive”)
• Debt: 2/10
• Emergency fund: 0/10
• Retirement: 0/10
• Real estate: 0/10
• Overall Hammer Financial Score: 1/10

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Timestamps for Key Segments

• Isabella’s background & cost of living – 00:32–03:14
• FOMO & Festival spending – 01:14–02:37, 16:24–28:04
• ADHD/anxiety & school struggles – 07:53–13:05, 38:12–40:01
• Dave Ramsey discussion – 28:04–32:58
• Detailed debt breakdown – 41:23–82:32
• Enabling by Mom – 67:49–70:53
• Budget/Solutions Recap – 91:23–96:37

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Tone and Style

The episode is a mix of Caleb’s direct, sometimes harsh honesty and Isabella’s lighthearted rationalization, frequent joking, and self-deprecation. Caleb is relentlessly pragmatic, applying repeated reality checks, while Isabella swings between candor about her issues and near-comic denial about their severity. The discussion often veers into humor (sometimes dark or sarcastic) but is underpinned by clear-eyed advice and diagnostic clarity.

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Conclusion

This episode starkly illustrates how mental health struggles, lifestyle prioritization, and enabling environments combine to cement financial dysfunction—especially when rationalizations cloud basic personal finance rules. Caleb’s bottom line: no matter the rationalization, you have to do the hard, unglamorous things to fix your money—no financial vortex, spa membership, or festival ever fixes a broken budget.

Closing Thought:

“The reality is, you’ve got to suck it up, use your accommodations, go to school or get a second job. Those are your options. But I don’t think you’re going to do anything that is slightly inconvenient—you’re going to find an excuse not to do it.”
— Caleb Hammer [96:01–96:37]

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You were the one who went crazy.

[B]

Of course, because I make contact.

[A]

Who hit who first?

[B]

Me. I come from the hood side as I can.

[A]

You went back and attacked her. You were the attacker. You stabbing her in the neck?

[B]

Don't touch me first. I think she learned that.

[A]

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

[B]

Hi, my Name's Isabella. I'm 34 years old. I'm from Clearwater, Florida, and this is Financial Audit.

[A]

Thanks for coming over to Austin. What do you do in Clearwater for a living?

[B]

I am a medical assistant for internal medicine practice.

[A]

Very good. What are we making?

[B]

$20 an hour.

[A]

Okay. Clearwater ain't cheap. So how you living? How are things doing? $20 an hour.

[B]

Okay. For what?

[A]

I.

[B]

You know, as a single person, it's tough, but, you know, I'm pulling by. I live in a studio apartment, y. So, you know, so. And I live five minutes from work as well, so I don't have a big commute.

[A]

Sorry you're struggling. Well, you wouldn't be on the show if you weren't struggling. So. What is going on?

[B]

I have impulsivity issues. I have a lot of fomo. I'm a raver. I like to go to a lot of festivals. Shows.

[A]

You aging out?

[B]

I should be, but I think you just rave to the grave. I don't think there's an ending possibly, but, like, I'm the rave mom of the group, so I have to take care of everyone.

[A]

Okay.

[B]

Just here last month for a festival.

[A]

Oh, great. I didn't even know one was happening.

[B]

Yeah.

[A]

That shows our difference in life.

[B]

Yes.

[A]

Okay, so every night. Got it.

[B]

No, none of that. No, no, no, no, no. That's bad for my mental health. I just like the music. I enjoy any kind of music, all music. It brings me joy and happiness.

[A]

But fomo? So every concert that pops up, you just can't turn away from most of.

[B]

Them, know, because I have, like, a group of 20 people that's like my rave fam. And, you know, like, a whole bunch of them are going.

[A]

Peer pressure.

[B]

Not even peer pressure. I'm usually the one like, hey, who wants to go to this one? It's usually my idea.

[A]

How often are we going?

[B]

I go to probably three festivals a year. But, like, show wise, probably once a month or so. Some shows aren't that expensive.

[A]

That couldn't be what's destroying you. The three. Yeah, yeah. Those are some big trips. Those would be hitting you here and there. Definitely like a, you know, a big hit every once in a while, but shouldn't be. Make or break your life. When you're making $20 a concert a.

[B]

Month, when you're making $20 an hour.

[A]

How many hours a week are you working?

[B]

40.

[A]

So what's your account on a monthly basis?

[B]

It's 1364 every two weeks. So I would say about 2,700.

[A]

Yeah. 27, 28 for Clearwater again, that is.

[B]

And I live alone.

[A]

Yeah, but in a studio and close to work. So there's different things that are keeping your relative cost of living low and a high cost of living area. What's your rent?

[B]

It is 1100, but then I have to pay the Internet, water, trash, all that. So it's 12:30.

[A]

Okay. So just the roof over your head, I mean, we're talking. Yes, it's high, but it's 45%. 45% of your income. Like at that point, are you able to go and do the things you absolutely want to do in order to just take care of yourself in life? If just the roof over your head itself is, you know, 45% of our income? Now, don't get me wrong, I want you to go have fun. Don't get me wrong, you're actually in a pretty reasonably priced, you know, living situation. That being said, with your income, you have to then make choices. Sorry, my throat's also hurting.

[B]

Okay. I also just recently started doordashing about four weeks ago as well.

[A]

So what's that bringing in then?

[B]

I just made about $400 in the last month.

[A]

I just started before taxes, but also before gas. Any kind of future maintenance. Maintenance, which is going to be arriving quicker.

[B]

Yep.

[A]

Even just things like tire rotations.

[B]

Yes. Yes. Okay, I just started.

[A]

Turned into 300. Let's call it maybe 250.

[B]

Yeah.

[A]

Okay. So that's certainly not. I mean, anything helps in your situation. Honestly, to boost us. Let's call it a total of 3,000 on a monthly basis. What's your rent again? It was like 14 rent and utilities together.

[B]

It was like 12:30.

[A]

So 12:30. I mean, we're still talking 41%, so we didn't move the needle too much. But I'll boost you up to 3,000. Sure.

[B]

And then I was trying to, like, do like Uber and like, things like that, but my Driving record wasn't the best so they wouldn't allow me. Doordash was the only one to accept me.

[A]

Well then maybe you shouldn't be allowed at Doordash, which is a driving record.

[B]

It was four almost five years ago.

[A]

Yeah, drive it after raves, after you've taken something a little special to feel the music a bit more. Why are you feeling I'm taking anything? Because you're going. If you're a raver. Come on.

[B]

There's all over the music and enjoy it.

[A]

Absolutely can. But we have a. We have ravers that work here. They're in the culture that I can. It's incredibly common. You're right, you're on granny level raving. But even still, I'm saying that as someone you know. Only four.

[B]

I can't even drink two beers without getting hang hungover. So I'm not the one.

[A]

What's your driving record?

[B]

Okay, so a couple years ago I got into three accidents within three years. And they have a three and three rule in Florida. If you get in three accidents in three years, they will revoke no matter.

[A]

The kind of accident. If you get hit.

[B]

Yeah, yeah.

[A]

If you are parked at a stop both. If you're parked at a stoplight and you are slammed into three times in three years, Florida's a no fault state.

[B]

So regarding that, I had my license revoked but I had to go through all of the steps to get it back. And that was a nightmare. That cost a lot of money. I didn't realize there was a rule like that. But it cost, it cost.

[A]

They didn't go through that in Driver's Edge.

[B]

I had to take a four hour online course, then a 12 hour online course. I had somebody sit in the car with me for four hours. That was about $500. So they could drive around with me to show that I could drive. And then I had to take my driving test twice at the DMV and get my picture retaken.

[A]

Well, these all seem pretty basic. There you go.

[B]

It was a process.

[A]

I thought three. Yeah, but this seems pretty fair.

[B]

Plus the tickets.

[A]

If you get your license revoked. I mean again, I think, I don't know the law and I honestly don't truly believe that if you get slammed into three times. I was doing basic things with proof from either street cameras or dash cam that that would. Yeah, you were at fault.

[B]

Yeah, yeah.

[A]

Again, context. But I, I truly don't believe just someone sitting at a stoplight who would have to go through all this. But maybe, maybe that's the case. Maybe that's just not the best thought, outlaw. But yeah, yeah.

[B]

Three and three pushed me at fault.

[A]

Three years in a row. Yeah. Get your license revoked. You're in danger on the streets.

[B]

I've gotten better. It was due to a medication that I was taking from a doctor.

[A]

Then you shouldn't.

[B]

I don't take it anymore. Stop.

[A]

What was.

[B]

Was for my mental health. It wasn't.

[A]

Sure.

[B]

It was a downer. No, no, no, no. It was a mood stabilizer.

[A]

Okay. And it made you like, dizzy?

[B]

Not even really. It kind of made me like zone out, I guess.

[A]

Then you shouldn't be allowed to drive.

[B]

Absolutely.

[A]

And you shouldn't be allowed to drive. It is easy.

[B]

Absolutely.

[A]

If you have to take it, good, take it. I support it. But don't drive it. I didn't need cares for driving.

[B]

I didn't need it. They just misdiagnosed me.

[A]

Okay. So. Yeah.

[B]

So that's why I stopped taking it.

[A]

Yeah, you should have your driver's license taken away and you deserve to go through all those things and you deserve to not be allowed on those platforms that require you literally just driving forever. So. Yeah, you know what? So far, supporting of the state versus the human on this.

[B]

Those are almost off my full record, though. It's been almost five years. It's been. So at the end of this year, those three will fall off and then.

[A]

You'Re gonna pick up all these extra things. Instead of looking for different career opportunities, why don't you go beyond the medical assistant? Look at maybe becoming a nurse. Maybe we're a sudden. Like. I mean, you're working on the low income scale in the medical field.

[B]

Student loans. I already owe 50k. I already have one degree.

[A]

What's your degree?

[B]

I have an Associates of Science in crime Scene technology.

[A]

When did you get it?

[B]

2021.

[A]

Good. Take the credit hours. Go complete a four year.

[B]

So since I got an Associates of Science, I had to do. I. I have to go for an AA because the schools won't accept an as. They need aa. I need an arts degree for some reason for some science degree.

[A]

Yeah. But I'm sure you'll have a lot of transfer credits.

[B]

Yeah, yeah. So I am about four classes away from getting a generalized AA because I can't just move into a.

[A]

Can you do it?

[B]

I did. I signed up for classes last Monday and I dropped out on Monday.

[A]

You dropped out on Monday?

[B]

Yeah, they started Monday. I dropped them. I got really too anxious.

[A]

Okay, so you.

[B]

I try to restart going back to school a few times and I Just what scares you? I don't have somebody to mirror or body double.

[A]

What the f are you talking about?

[B]

I have issues paying attention and focusing and things of that nature. Adhd?

[A]

Sure. Welcome to America.

[B]

So since I don't have somebody sitting next to me like studying and doing that, it's hard for me to just stay on topic.

[A]

Schools have like programs that you can enter.

[B]

I have ADA accommodations.

[A]

There we go. So what the Is the issue?

[B]

Me?

[A]

Yes.

[B]

I'm the problem? Yeah, yeah. It's just I got a lot of anxiety and then I'm like, maybe I'll fail, you know, in all the thoughts process. And then so I just drop them and then I haven't. I have time. I'm not in a rush, but I would like to get it done. And I just don't have somebody else. Like when I was going to school, I was dating somebody in school. So when he was studying, I was studying school. It really was very hard.

[A]

Can you go date someone?

[B]

No.

[A]

Give some D. I don't know.

[B]

No, thanks.

[A]

Get some V. I don't know.

[B]

Oh, thanks.

[A]

Okay.

[B]

Oh, no.

[A]

Get some. Date them.

[B]

No, I don't want anything. Nobody.

[A]

Okay, well, that was more a joke, but like.

[B]

No, I'm just saying. I just don't want nobody.

[A]

Oh, okay.

[B]

Being alone.

[A]

Live your life.

[B]

I guess being alone is where it's at. I have my cat. It's great. She's not texting me like, where you at? She's going crazy cat lady. That's me. I only have one though. I'm allergic.

[A]

Okay. And you're literally incapable of going to online school.

[B]

I. Yeah, it was two eight week express classes. But the discipline that I have sitting at home doing it.

[A]

Express classes.

[B]

I like them better because if I can't.

[A]

Clearly not. You dropped out.

[B]

Well, I finished my degree with the eight week classes. But like, because like the conditions.

[A]

Yeah, but you need the rest of the.

[B]

But the thing is the. The I can't procrastinate when I'm in eight week classes. So, you know, I mean, you still.

[A]

Can, but I fail.

[B]

Yeah. And that's happened to me last. That happened to me last semester.

[A]

So you then with what you just said. That was bull. Obviously the eight week thing is not working then.

[B]

Yeah, yeah.

[A]

So do the normal.

[B]

It's hard. It's harder said than done for me as an individual.

[A]

Yes, I get it. But guess what? You're not the only person in the world that deals with adhd. Other people successfully complete life.

[B]

Absolutely.

[A]

They get medicated, they get help. They take care.

[B]

I graduated already.

[A]

That you? Yes, with an associates. And you're making $20 an hour. You need to make more if you want to stay in clear water.

[B]

So I don't give a about what.

[A]

We'Ve accomplished if we are obviously not surviving when rent, after picking up additional side hustles beyond our 40 hours a week is still 41% of our income.

[B]

So.

[A]

Listen, I don't care. Congratulations. You got a piece of paper that means nothing to me in this world. I care about what you actually accomplish after college. And right now, you can't survive in your area. And that is what matters. And you. You accumulated $50,000 student loans in order to do this.

[B]

Yeah.

[A]

So we obviously, if you want to work in the medical field, you are making the bottom of the T. Because.

[B]

I don't have a degree in medical assisting. I got a grandfather there.

[A]

Zane, let's go back. What do you want to do in medical if you're able to actually not drop out on the first day?

[B]

What I'm doing now is exactly what I want to be doing in medical if I want to stay in medical. But after graduating, I realized maybe crime scene tech is maybe not great for my psyche because the things that you have to deal with.

[A]

Okay, yeah. Yes. You're broken on everything. And what will work like, because this is how this conversation goes, Right? Here's the thing. You've been diagnosed, you know, and there are things wrong with you, and that is okay. There are things wrong with me. I have a panic disorder. This does not disqualify you from having a financial conversation or being an adult. Okay. It's different than, like a severe, you know, suicidal thing or something like that, or just being unable to get up in the day. Okay, so you have this. But what you've done is you're very clearly down the pipeline of like, oh, all I do is think about my mental health and what I can't do. It's like, okay, if that's the conversation, then congratulations, you're never gonna do anything ever. Or are you gonna be like others in your space that have tried to overcome and actually push themselves? Or are we just going to be the oh, no, my mental health for the rest of my life and never do anything ever?

[B]

Oh, no, I don't think it's. Oh, what was me.

[A]

Okay, but come on.

[B]

That's what it's like.

[A]

We wanna do this. Oh, we can't do it. We wanna do this. Oh, we can't do it. We're gonna stop on the first Day. So what degree do you wanna do? What do we wanna do?

[B]

What works? I'm just unsure, that's why. Because I thought I was in because I was getting my degree. This is where the debt came in with the 50 grand for getting just a AS degree.

[A]

You graduated in 2021 and you're 34, so I'm sure you were bouncing around in the classroom.

[B]

Well, that was the thing. I was going for chemistry to get into forensic Science and Associates of Arts. And like almost when I was finished, I was one semester over, I switched courses and got into the crime scene technology program and added an extra like year and a half to my studies. And I was taking. Yeah, but I took out more student loans than I should have. I didn't lower the income.

[A]

When did you go to school?

[B]

2017. So it took me about three years. Horrible. And I wasn't full time either. Cause I was working full time at a job that paid me $14 an hour.

[A]

It's not the worst. I don't know. But then again I'm so confused.

[B]

And then I have a lot of.

[A]

Health issues, so I think we picked that up.

[B]

Well, I mean physical health, like so I was out of work for like.

[A]

Three works by your existence on how you're operating.

[B]

I should live in a bubble. Yes, I should live in a bubble.

[A]

But honestly, maybe not though. The thing is again, this what A lot of people are going down and there are so many things that are real and you go through real things. But a lot of people get TikTok brain when they go down the rabbit hole and then they're like, I can't do this, I can't do this, I can't do this. You lock yourself in these holes of all these like, like you have real diagnoses and then you probably have lots of self diagnoses and then you also really just rattle around forever on the real diagnoses and you limit yourself beyond your doorstep.

[B]

And I also took out more student loans than I should have when I did my my classes. Like instead of lowering the student amount to what it should have been, I may have taken out more of the loan than I should have.

[A]

Listen, it's okay, like I said. But when you lock yourself in all these different bubbles and you've done a lot of stuff, this is what is immediately annoying me. Because if that was your life, then that's your life. But there's the additional layer on top of it where because, because you're locking yourself in the bubble and not willing to improve your life you're stuck at $20 an hour. Okay, that's fine. But then you have to make your life choices around that based on the decisions you are making and not allowing yourself to do right. And then what you do is you just around and endlessly rave and spend all your money and blow everything and then all of a sudden sympathy is gone. Because that is the choice you are making based on your situation. Your situation. If you're gonna lock yourself inside, okay, lock yourself inside. Go on TikTok and feel like you can never do anything, even though many people like you have obstacles. Live very successful life. Great. But lesson, come on, we know the world that we're talking about here. We know the people that we're talking about here. Many people overcome a lot of things. They push themselves. We all do in many instances. We seek medication, we take therapy.

[B]

Okay, yeah, kind of.

[A]

Kind of, yeah.

[B]

Going to raves is my therapy.

[A]

Exactly. But then you lock yourself in your house and don't allow yourself to progress anything professional. But then you just go and around in every other situation and then boom, there goes the sympathy. Listen, the fact is, if you're truly incapable of existing, which you're not, then, okay, don't go out and blow all your limited money you have, but then you do, which is a horrible choice, horrible behavior. Why?

[B]

Because the music is so great. It's so hard when there's laser beams. Not all of it, there's different genres and it's a good time. Especially all the vibes and the vibrations and it's just all sensitive.

[A]

You're sure you're not doing some.

[B]

I am positive. I am positive.

[A]

That's what your test results would say. Yes. Okay.

[B]

So I'd love to pee in a cup for you. You would be surprised. You're like, wow, this is naturally her. Uh huh.

[A]

Yeah. So you use the excuse of fomo oh so much.

[B]

I get a lot of fomo. I'm like, the fomo Qu? It's bad. It's just like, I'm like, no, I'm not going to do it. Then I'll convince myself not to do it. Then last minute, I'll get the ticket and just.

[A]

So why are you able to convince yourself to go to all these fun things, Everything that you enjoy, but when something slightly inconvenient like, oh, gotta study for a test, we're like, oh, can't do it. Lock yourself out. Oh, never can do it in my life.

[B]

It doesn't get anything.

[A]

Oh, we're broken. We can't do anything ever. Exactly.

[B]

I don't have enough dopamine drive.

[A]

Exactly. There it is. You're honestly choosing to push yourself for the things that you enjoy and then you refuse to for the things that bring you any struggle. If we're being honest. Come on. That's what this is dialing down to. We know. Okay, I need you. I want you to answer some questions.

[B]

Okay?

[A]

I have some questions and I need you to decide. Are you choosing FOMO or are you choosing no?

[B]

Okay.

[A]

And you hold up which one you prefer.

[B]

Okay.

[A]

FOMO or. No, first question. Opening a new credit card to go to a new festival with a killer lineup. Okay, but do you see? Explain.

[B]

I get too much FOMO if I don't have enough money. I know I could put it on credit and pay it off later. Eventually. Do you eventually? Sometimes.

[A]

$75,853 of debt. And we know $50,000 of it is student loans. You. You're not paying off debt. What are you talking about? Why possibly. Is a concert more important than your future? More important than existing? Opening a new line in order to go around is more important than you having any kind of debt. What's your retirement at?

[B]

0.

[A]

Yeah, exactly. So what the is wrong with you? Come on.

[B]

I have a list, but I think it's because I know I could die any day. And I decide I wanna live forever. Yeah.

[A]

Congratulations.

[B]

I wanna celebrate.

[A]

But you won't know you had a good time with your dad. Cause you're dead. So it doesn't matter.

[B]

But while I'm.

[A]

So let's go off the statistical likelihood that you're gonna be around for quite a few decades left, huh? Yeah, maybe that. At least 40 years.

[B]

Maybe, maybe not. But you know, festival life's where it's at. I've been doing it for like 20 years almost.

[A]

Yeah, but let's bet on the next 40. And listen, if you're out of credit card debt, and we actually just did a little bit of investment, two years of our time of a little bit of struggle to pay off debt. Another two years maybe to get through a degree and double our income. Boom. Your life has changed. You can go to every festival without destroying your life while also having retirement. So when you're retired, you're not working. You can even go to more festivals. But instead you're only choosing the lessest around right now. Cause we might be dead tomorrow. You won't know that you missed a festival cause you're dead. You won't know that you missed a rave. Cause you're dead. You Won't know that you sacrificed for the future. Cause you're dead. So bet on the statistical likelihood that you will be here.

[B]

Yeah, but at least I know that I have went, no, you won't.

[A]

You're dead.

[B]

But in that moment, I would know. But then I'm dead.

[A]

No, I'm dead. Are you stupid? No, you're dead. Pictures and videos of evidence, but you'll be dead. You won't be seeing the pictures. What the are you talking about? Given most afterlives in every popular religion. You really don't remember most things on earth?

[B]

I would hope not.

[A]

So it doesn't matter to you.

[B]

It matters to me, though.

[A]

No, it doesn't. Cause you won't know. Nothing can matter that you don't know. No, it doesn't matter. You won't know. It might matter to friends and family around you. Yeah, but that's not the excuse you use. That's me giving you that excuse.

[B]

That's true, but like I said, there's photo evidence. But all my friends have them so they can keep me in their memory of being that.

[A]

Yeah, but that's not the excuse that you used. I had to give that to you. Yours is bullshit. You're just like, I might not be here tomorrow. Yeah, but the statistical likelihood is that you will be.

[B]

Okay, yes. Yes, that's true.

[A]

So sacrifice, for fuck's sake. This is basic.

[B]

It's too hard.

[A]

This is too hard. There we go. And that's her worldview is everything is too hard. And listen, if that is your worldview, you will never get anywhere. This conversation's pointless. Your life is borderline pointless because you're not gonna be willing to do anything that is slightly inconvenient because you've babied yourself. And you used to. Whatever mental things you have is an excuse. ADHD as an excuse, anxiety as an excuse, and I've used my panic disorder as an excuse. Sure, but it hasn't held back my entire life. Maybe 5%. Okay, you're holding back 90% of your life. It's ridiculous. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, why Refi is here to help? Unlike traditional lenders, why Refi is focusing on your desire and ability to repay, not just your credit score. With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments. Why Refi also provides a cosigner release program, giving you and your family peace of mind. Their dedicated representatives walk you through each step, ensuring you feel supported and informed throughout the process. Thousands of clients have experienced relief and why Refi's 4.6 star rating on Google speaks to the service and guidance they provide. This is more than just refinancing. It's a chance to regain control of your financial future. If you're ready to work toward a more manageable student loan payment, visit why refi.com discover how their tailored approach can reduce your stress, lower your interest, and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to yrefy.com hammer that's whyrefi.com hammer or call 888Y refi 78, that is triple 8Y refi 78 and see how they can help you move forward with confidence. Second question. Booking a flight on a credit card without checking your bank account in the first place. Okay, thank you. I think a little bit of reason maybe.

[B]

Yeah. Overdraft, fees.

[A]

But it's on a credit card. You wouldn't.

[B]

Oh, well then yeah, then they're probably maxed out, so I can't. So.

[A]

So that's why we're opening a credit card in the previous question.

[B]

Yeah. Yeah. So the maxed out, so I can't. So no.

[A]

Are you sure you're not with someone else by your choice?

[B]

No.

[A]

Yeah, I'm not sure either.

[B]

What other questions you got put in.

[A]

Lunch or dinner on a credit card? Lunch that you might lunch and dinner that you might be missing out with your friends. Fomo. Why?

[B]

Because I don't want to miss out with time with my friends. And going out to eat to dinner, especially on like birthdays and special occasions. That's super important.

[A]

That's different though. Those are very limited. This is not a weekly basis. This. And I bet you're f around endlessly. You're f. Cking around endlessly.

[B]

Yeah, I don't normally make my lunch. I have a 30 minute lunch break, so I usually go and get like Wendy's.

[A]

Doesn't make sense. If you have a 30 minute lunch break, you don't make your lunch regardless during that 30 minutes. Yeah, it's pre made. What the are you talking about? The 30 minute lunch break?

[B]

Why don't pre make lunch break for lunch?

[A]

Yeah, but the 30 minute lunch break has nothing to do with that.

[B]

Well, that's why I usually get fast food because I eat it.

[A]

What the f are you talking about? Whatever length of your lunch break has nothing to do whether or not you prep food beforehand.

[B]

Yeah, the prepping is the issue. I don't prep food beforehand.

[A]

Yeah, so it is not the lunch break being 30 minutes. In fact you'd have more time to eat if you weren't going and getting fast food.

[B]

No, I normally go home and hang out with my cat and eat my fast food.

[A]

What life are we trying to live here? Cause I.

[B]

My best life.

[A]

Yes, but what do you think your best life is? Cause you seem recluse. You seem stepped away from the world because you're refusing to push any boundaries of your own and. No, I don't respect those boundaries. Not every boundaries are meant to be respected. Listen, that's not how it works. If you put up a dumb ass boundary, it. That's dumb. I'm so sick of that bull on TikTok.

[B]

It's hard for the boundaries. Boundaries are a hard one for me, as you can tell.

[A]

I know, but you're putting up bad boundaries. Not. Just because the boundaries exist doesn't mean it is justified.

[B]

It could be justified.

[A]

No, you're limiting yourself dramatically in life.

[B]

I'm autistic as well.

[A]

Yeah. And I've never been diagnosed, but my lawyer tells me I'm the most autistic mother she's ever met. So I. It's. Listen, you have everything and I'm sure you think about it endlessly. And you. Yeah, you do. Come on. The language you're using. You are just like every single person that's been diagnosed with something. So you think about it endlessly and then you limit yourself and you tell yourself you can't do something. But guess what? Congratulations. When there is something you want to do, somehow you find the way to do it. So I have.

[B]

I have done it. I have graduated once. I know I could do it again. It's just the anxiety aspect. It definitely. It messed me up because.

[A]

And that is hard. But if it is hard going into a semester, do intensive therapy while you're starting a semester. Find the coping mechanisms.

[B]

Don't just raves are my coping mechanism.

[A]

That is not working because you can't afford to live and you're in 75,000 hours of debt. This is dumb.

[B]

Yeah, this is dumb.

[A]

You're willing to put dinner and lunch on a credit card just to have the experience because you might be dead tomorrow. This is dumb. What is there again? Like I haven't many times in this conversation I can latch onto something that I'm like, let's do this so we can do this.

[B]

You.

[A]

I don't have it. This for you. Cause you're content living in a studio. I would like to move living with a Cat forever.

[B]

I'd like to move from the studio to. To maybe like a one bedroom or like.

[A]

What ambitions do you have other than just getting an extra room? Because I have nothing to latch onto to try to make you change your behavior and push your limits. That's the big thing. Because you put up artificial boundaries that honestly are bad.

[B]

Yeah. My workplace is just really great. And they help me with my accommodations and whatnot. So that's why I'm.

[A]

They pay you $20 an hour?

[B]

Y. Because I'm not certified in that degree. But I just kind of got grandfathered in.

[A]

Will they pay for you to complete your degree?

[B]

No, it's a very small office. But we see 6,000 patients. We have 6,000 patients, but it's a small office with a few employees. But we don't have retirement. We don't have insurance through them. We have nothing through them.

[A]

You don't offer retirement. No, but it's advantageous.

[B]

Not that I'm aware.

[A]

It's advantageous to them for tax purposes. Okay.

[B]

It's a very small office. Yeah.

[A]

Right. But if they're seeing 60. Whatever. It doesn't make sense. We have a swan. Whatever. Yeah, it doesn't make sense. Also. I just also don't believe you, to be completely honest. But either way, you could be maxing out a Roth ira.

[B]

I really would love to do that.

[A]

Yeah. But instead you choose festivals. Because we're choosing the things that we want to do that are slightly difficult over the things that are that we don't want to do that are slightly difficult.

[B]

Yeah.

[A]

Come on.

[B]

I would like to change my ways. I just need better tools. My mom tried to do like Dave Ramsey CDs on me and that just did not help me at all with his.

[A]

Sure. If you're stuck in the 80s, I guess, 90s CDs.

[B]

Yeah. Yeah. So I tried that method. That didn't help. And so I'm just trying to relate to that.

[A]

Well, what broke the what did not work there for you?

[B]

My.

[A]

Because this thing is pretty damn simple. I don't agree with, you know, some of the debts, the emergency. The starting emergency funds too low. But what did not work for you?

[B]

I think she just how he words things that I just didn't think his. His life did not like. His. His examples and whatnot just didn't align how my thought process works either. So I try to understand and I try to point it to you though.

[A]

You'Re able to comprehend.

[B]

But I just. At the same time, I just didn't really grasp his Concepts. I understand the details, but it's the most basic.

[A]

I mean, I'm sorry, I'm not trying to be offensive, but it's literally like the bottom tier, basic. Like, he even talks like it's the most bottom layer. Basic level, basic.

[B]

He's like, I was in like, five thousand, hundred thousand dollars of debt, and now I have zero. And I'm like, well, that's great for you, Dave, but I'm different.

[A]

What?

[B]

Yeah, no, it was just an example.

[A]

What the are you talking about?

[B]

He got himself into a bunch of debt, and that's why he's, like, telling people, like, how to get out of it, how he got out.

[A]

It doesn't matter how he got into debt, though. His.

[B]

But how he got out is different than how other people could get out. There's other ways that work for other people.

[A]

There are other ways, but that doesn't mean that the snowball method doesn't work, though. That's so confusing. I'm so. I just. I'm not in your logic yet.

[B]

It didn't help me.

[A]

But why? Because the example you used is, like, really dumb, Honestly, if I'm being honest. Because he had really poorly leveraged real estate. Quick note debt. All of a sudden you can't pay off a credit card. I'm confused. Like, his debt payoff method isn't about the kind of debt he was in?

[B]

Yeah, I think. Well, he was just trying to teach people to get out of debt because that's how he got out of his own debt was why, by all of his.

[A]

No, he went through bankruptcy. He teaches people. You're not having me slobber on Dave's right now, but this is ridiculous.

[B]

Yeah, so my mom had me listen to some of the TDs. I didn't.

[A]

His is basic. It's pay off the smallest debt to the largest debt. How does because he went through bankruptcy negate your ability to understand that that is the most basic.

[B]

I didn't know he went through bankruptcy. That's my fault.

[A]

I'm just so confused.

[B]

I listened to his CDs, but I didn't listen to all of them.

[A]

It's seven steps, right?

[B]

Yeah, it was like six. I don't remember. It was on, like, CD Rom and she had me checking.

[A]

Get really hung up on the CD part of this. You could have gone to YouTube. You could have gone to YouTube.

[B]

Is he on YouTube?

[A]

Everyone's on YouTube.

[B]

Oh, well, I wasn't aware. I thought he was Morning America.

[A]

I don't know.

[B]

Oh, I'm not sure. But I, you know, do you exist on this planet? Okay, I try. Could be an alien. It makes sense. You have any other questions?

[A]

No, I'm just. I'm a little confused. If you weren't able to go through his most basic thing, which, again, I don't agree with everything. I'm not trying to right now, but it's like, what you're saying is, like, honestly, quite stupid.

[B]

Yeah. I think you kind of just hit on point. You don't agree with everything he said. And it was the same for me. It doesn't matter.

[A]

The philosophy of payoff, small to large, is good.

[B]

Yeah. And I have gotten people that can't.

[A]

Stick to the behavior like you, honestly, is the best for you. So what you're saying is extra stupid because that is probably what works best.

[B]

For you is the snowball method.

[A]

Yes. Because no way you'd be able to do the avalanche method. You probably can't focus on something for more than a half a second. So, yes, you need the snowball method to get progress quick to see the results and get your dopamine unlocked immediately.

[B]

Yeah. And that's why. That's why I kind of.

[A]

David Ramsey did not fail you. You couldn't put a CD in the player.

[B]

Yeah, he was. And it was very boring to listen to as well, without him talking.

[A]

He's a boring old dude.

[B]

He. Exactly.

[A]

Why do you think our show's bigger than his?

[B]

And that's why I'm here on your show. Because of that reason. I feel that.

[A]

But again, the only reason I'm pushing back on this is because. Because no matter what I give you, if you couldn't make it through the most simple thing, how the can we get you there? Because I tend to give people more options, whether it be avalanche, snowball, maybe putting in some bull, going and getting a different job. I allow bankruptcy. I allow consolidations. It's all based on the person's situation. But if you couldn't make it through the most literal, basic thing, that probably actually does work best with your brain, which is snowball, then good luck to me. Like, what the. And your logic made no sense because he had real estate debt. You couldn't follow paying off the smallest to the largest debt. It just doesn't make sense.

[B]

He was in a different financial situation is what I meant. Like his financial situation.

[A]

It doesn't matter, though. His teaching is, why are you making me gurgle this thing, dude? I'm not.

[B]

No. That's why I'm here to learn from you. Because I feel like I think you're the best for the this.

[A]

All right, listen. Today's the last day. We've put together a lot of educational tools and a lot of educational resources that I wish I had when I was growing up and I could have saved myself a lot of money and made a lot of money. We've brought in experts. We've created the best education that I can even think of on this entire platform. Our refund rate is literally 75% below the average refund rate for the industry. Even though we offer everyone 30 days money back guarantee for our programs, it just proves we have created the best of the best systems. And right now, until the end of today, it is all at a major discount. So check it out. It could literally change your life. Links in the description below for the.

[B]

For mine also.

[A]

Let's find out.

[B]

That's why you said you have different.

[A]

Question putting moving expenses on a credit card. Why?

[B]

It depends on the moving situation. If it's like a. Something serious. Absolutely. If it's like a serious roommate situation, you know, like, I had to do that recently, last year.

[A]

Let's hear what you consider serious. Because if someone's in a domestic abuse situation. Yeah. Put the. On a credit card.

[B]

Yeah. Like, just like toxic. Like.

[A]

See, that's different. That is very different. A toxic situation to you who again, you aren't able to do something slightly inconvenient, but you're able to go do everything you want that requires work. So. Yeah. What was toxic to you? You.

[B]

So the relationship.

[A]

Your level of toxicity is like.

[B]

No. The. The girl that I live with, me and her were just very vastly different with our lives and our lifestyles. And she just wanted silence. And I like music and whatnot. And like. So I always try to keep the peace, but I felt like I lived in a hurt. Like I was in a shell. It was stupid emergency move, lady. But then we got so I can listen to music. Oh, what the f world am I.

[A]

Living in right now?

[B]

There's more to it.

[A]

Nuke Clear water.

[B]

I wish. No. So it got worse and worse and then it kind of had a blowout moment after like four years of living together because, yeah, congratulations.

[A]

You had an argument. I've had arguments with roommates too. And guess what? One of them is still my best friend. And I hired to be my number two.

[B]

It might have been more physical. So I had to get out of that situation. So I did.

[A]

You have to get out of it. If it's like an endless thing. If you guys blew up and you guys Put yourself to that limit. That is a different story. You're humans. Humans sometimes get pushed to that limit, and it sucks. And I'm not saying it, but if you went at her, she went at you. That is not a great situation. That doesn't mean it is a reoccurring thing. That is like a f. Cking. It sounds like you guys push yourself to the limits. You're a f. Cking adult. Listen, if everyone quit their jobs when they got on a spat, every dude that worked on the line just 50 years ago, none of them would be working there. Cause everyone gets pushed to the limit at some point. We live very cushy lives now. So it's like, yeah, something like that is very dramatic, and I get it. But it's not like you walked in and she was beating you every day, was it? No. You guys pushed yourself to the limits and you backed off. And you guys should have kept your separate spices. And then we had more adult conversations. That doesn't mean it's a credit card situation.

[B]

I wish she was just like, our walls were touching with the bedrooms. We had a separate floor plan.

[A]

Living with someone who's not an emergency.

[B]

Yeah, yeah. It was just. It was just a toxic situation with her.

[A]

But again, your level of toxic is. You are pretending like it is something more dramatic than it is. I'm not saying you shouldn't move. Yeah, I'm saying you're making it sound like it was a domestic abuse situation. It's that level of critical move. No, it wasn't. You were two people that lived together. You pushed each other's buttons so much that you got physical and she got physical. Right? Yeah, exactly. So no off.

[B]

So why would you want to live in that situation and live like a hermit?

[A]

But it is not equal to a situation where the building is going to collapse. You are that this is the nuance level that the Internet has completely lost. Everything is immediate. Code red. Boom, boom, boom. The world's going crazy. Someone you know, I don't know, Lindsay says, like, the world or something, and people act like she just, like, went on a mass genocide. Like, there's no nuance on the Internet anymore. Like, we're. So everything immediately goes to left level 10. Everything's an emergency. That's not an emergency. Did you move out the next day?

[B]

No, it was about a month later.

[A]

There we go. So you were able to survive for a month?

[B]

I had to find a place and have it ready and everything.

[A]

Yeah, but you were able to survive a month without all of a sudden you stabbing her in the neck.

[B]

I was scared that that was gonna happen to me.

[A]

No, you weren't though you probably were because again, you push everything to level 10.

[B]

Yeah, because if I talk to her.

[A]

Right, right now, what would she say?

[B]

That we were both crazy. Yes, but she was the.

[A]

And I've had crazy moments with people. We all have. I'm not trying to say you shouldn't live there. You should have gotten a new place. Yes, but that is not a nuclear level emergency.

[B]

I felt like it would have escalated to a point of maybe.

[A]

Maybe I'm just pushing back only because I just know where our culture is right now and how people. People get there and how you have defined every conversation so far of like going to school. We can't do, even though it's slightly inconvenient, but we're not willing to face that slightly inconvenience. But the slight inconvenience of traveling and having to budget for a concert out all the way out in Austin from Florida, you're able to do so it's obviously the choices. You use it as a way to get yourself your own apartment. I mean, I think I'm reading the situation correctly. I'm going to get a little pushback. And that's okay because. Because, you know, some people have had different experiences. That's fine. We can agree to disagree. But just based on the conversation I had with you, like, I don't want to lock you in a box, but I know how your worldview works if we're being completely honest.

[B]

Could you explain that to me?

[A]

I just did for like 10 minutes.

[B]

Can you sum it up a little shorter?

[A]

Anything that is slightly inconvenient to you is a no go. But if something is inconvenient as that you wanna do is a total go. You limit yourself in this world in every instance whatsoever, and you blame your mental health for it. And you sit there and you think about your mental health forever and you let it define your entire life and you fall down these rabbit holes and guess what? Every little thing that is slightly bad in this world, and don't get me wrong, having a physical altercation is bad. But everything you do, it immediately goes to level 10. Boom. It is the worst thing. We must figure out something crazy. We must go to the most insane levels necessary and. And our life in order to get out of that. Because everything is a level 10 bad. We're going to a class on Monday. I'm anxious. Level 10 bad. Everything gets there. And people in that worldview never get anywhere. They live a very unhealthy life. They have no nuance. It's not good.

[B]

Yeah. So I went back to school last semester and I failed two of the three classes. And then I had to.

[A]

But I bet you still went to race.

[B]

I did.

[A]

I bet you still went to raves.

[B]

I did.

[A]

Yeah. So no sympathy.

[B]

Yeah. Because the online thing doesn't help me out a lot to be like. I bet it doesn't.

[A]

I'm better in person, too, since I know that I do it like an adult.

[B]

Yeah.

[A]

If you're able to go to raves and travel everywhere and around endlessly, then you can go to a classroom. You already have 88 accommodations. Okay.

[B]

Yeah.

[A]

Okay. You have.

[B]

I had a class.

[A]

We've put things in measure for you. Take advantage of them.

[B]

Yeah, I tried. So I requested the accommodations and then I was able to get them. So I was able to pass one of the classes online. The other two I failed. That was the second.

[A]

Don't go into a class until you know what the accommodations might be.

[B]

Yeah.

[A]

Sit down with an advisor. There are people willing to help. In every instance in life.

[B]

I did. I have my accommodation letters and everything. So what happened was. So since I failed, I had to file an appeal with the school to take the class for the third time for two of the classes. Because I failed them twice because I'm not great at math and things like that. And I'm not. Yeah. So that was. That's a big thing as well. Math is very, very difficult for me, as you can see.

[A]

This isn't math. This is behavior. Buying a great outfit for a festival on a credit card. Yeah.

[B]

I've done it.

[A]

But we can't go to a classroom. Great.

[B]

It's just for summer classes.

[A]

Be honest with me. Who hit who first?

[B]

Oh, she did. She pushed. She pushed me and then I had.

[A]

Pushed is different. Who hit who first?

[B]

Me. Yeah. It was a in the face shove.

[A]

Yes. If you guys are in each other's faces, someone might naturally push.

[B]

And then you were physical. My natural reaction is, so now I have.

[A]

This is. Even level 10 has what I thought was a level 7. You thought was a level 10 is now down to a level 5 because you were the one who went crazy.

[B]

She's the one that went crazy first.

[A]

And touched her face. You were in her face and so she pushed you out of her face.

[B]

No, she. She came into my face and shoved me.

[A]

And I'm sure you got closer. Listen, I don't know.

[B]

Of course.

[A]

Because I make contact two sides of every story.

[B]

Absolutely.

[A]

If I call her, what will she say about that exact question?

[B]

I don't know what her perception of that would have been, but she said she probably wouldn't like. Oh, I just. Yeah, I pushed her back and she took it the wrong way. But you don't put your hands on nobody. You don't touch anybody. I come from. I come from the hood. I come from the hood side as I can.

[A]

You come from the hood? Says grandma. Okay.

[B]

Well, I come from Broward County, Florida, so I just.

[A]

That means nothing to me. What's your financial score of 0 to 10? 10 being absolutely incredible. 0 being the worst of the worst.

[B]

I would say about a two.

[A]

Okay. If you want your Hammer financial score, take the assessment. See where you stand in the world of finances. Go to calebhammer.com or click the link in the description below. You can also go to calebhammer.com apply and come on this show. We'd be happy to have you here and Austin, Texas, but only if you don't shove me. If we get in each other's faces. And if you don't want to be, like a guest on the show, all you have to do is download my budgeting app. Just do that. Sign up for the annual version. I'll send you the cookbook and the notebook that can't be purchased anywhere else. I'll sign it personally and mail it directly to you. We're going to start with PayPal. Chunky balance. For someone making $20 an hour, this is your entire monthly income. This is balance. In fact, it's actually higher. So what the. What's going on with this? Because we're talking $2855.26. What is going on?

[B]

There was a lot going on with that PayPal card. So what?

[A]

I have a note saying you told Lindsay you're a sleep shopper.

[B]

What the does that mean?

[A]

I've never heard of this in my life.

[B]

Okay, so what happens is I have insomnia, so I take sleeping medication from my doctor.

[A]

Oh, my God.

[B]

Here's your friend. So since that happens when I take it, sometimes I will go to sleep and I will wake up and get on my phone and go on, like, Amazon or something that I will need in my shopping cart and I will purchase it or. And then I'll. Sometimes I catch myself.

[A]

What should you do?

[B]

What?

[A]

What should you do?

[B]

Discuss it with my physician.

[A]

What should you do?

[B]

Discuss it with my physician.

[A]

What should you do? Keep trying. You're almost there.

[B]

Return the stuff that I buy. What should you do stop taking the medication.

[A]

No. The return's a pretty good answer, but that's not the true answer. What should you do?

[B]

Keep my phone somewhere, not next to my bed?

[A]

It's also a good answer, but it's not the literal easiest answer in the world. What should you do?

[B]

Can you answer it for me? I don't know.

[A]

What should you do? See if you can get there.

[B]

Delete the apps off my phone.

[A]

Oh, wow. This is crazy. Oh, my goodness. A reoccurring occurrence where we can't stop purchasing things in the middle of the night. Yeah, delete it, you dumb tit. What do you think you should do? This is basic. This is. This is. What the. That took me two seconds. How the. Are you not deleting the app? If this is an issue. If you do it one time, delete.

[B]

It's simple. Cause I pay for Amazon Prime.

[A]

You. You continue doing this thing in the middle of the night, delete it. Yeah, purchase only when you get on your computer in the living room.

[B]

I don't have a computer.

[A]

Okay, sure. We live in the stone age. How are you doing Remote classes, though?

[B]

The school was gonna provide me a laptop, and they didn't have one ready when the classes started as well. So on Monday, classes, I didn't have a laptop either, so they were gonna provide my.

[A]

Is it ada?

[B]

So with this school, they have a program for the laptops, and I had to. And I kind of signed up for classes last minute. It was just like, you can use.

[A]

Student loans to get a laptop, and I actually relatively support that. As long as you're not using it as an excuse to get in a laptop more than you need.

[B]

Oh, I didn't know you could get a laptop with your student. I thought it was just for looks.

[A]

I believe for basically most things school wise.

[B]

Oh, okay.

[A]

People go and get cars you're not supposed to, and that's actually against the rules. Ever feel like running a business right now is just chaos. Tariffs are changing weekly. Supply chains are basically held together with duct tape and. And cash flow. Yeah, tighter than any grocery budget back in college. And if your business isn't adapting in real time, you're in trouble. That's why you need full visibility on everything. I'm talking global shipments, tariffs, cash flow, all of it. And that's what NetSuite by Oracle delivers. It is the number one AI powered business management suite trusted by over 41,000 businesses. NetSuite is the number one cloud ERP that puts your accounting, finances, inventory, even HR, all in one place. There's no more Frankenstein spreadsheets or digging through different systems. Just one suite. One source of truth. Real time forecasting, powered by AI that doesn't just tell you what happened, it shows you what's coming. And if I ran a company at this scale, this is the system I'd use. So if your business pulls in seven figures or more, download NetSuite's free ebook, Navigating Global Trade. Three insights for leaders at netsuite.com hammer that is netsuite.com hammer Tame the cast with NetSuite Week. Let's get back to the show. You know me, I'm always preaching about new ways to make money. So here's the twist. High Level isn't just the platform you use. You can white label it and sell it as your own software. And that means your brand, your pricing and monthly checks from your clients. Think Netflix. But you're the one billing them every month for marketing tools. And the best part, you don't have to code a single line. High Level built the engine. You just slap on your logo when onboard. Businesses that need funnels, email campaigns, texting, scheduling, and the whole shebang. Some companies even have scaled the thousands of subscribers earning five to six figures monthly. That's a serious revenue generator. And if you just want to use High Level for your own brand, go for it. Either way, I got you a 30 day free trial so you can see if the SaaS hustle is your next big move. Hit that link below or scan the QR code now and start stacking that reoccurring revenue.

[B]

They had cars. Oh my go. Yeah, my line of credit for the books is like $800 or something with this score. So it's like, yeah, yeah, delete the.

[A]

App and download it when you need to get something. This is basic. And yes, return every item and yes, put the phone in the other room. This is basic. Literally use any second of thought. If you have done something, figure out what you need to do to make sure it doesn't happen again. But instead you just give up and you're just like, no, let's just let it happen again. What the fuck kind of life is that again? Oh, it's slightly hard. So we're just not gonna do it. That's how you live.

[B]

Yeah.

[A]

Slightly hard to redownload an app. So that's how you live.

[B]

I just didn't have that thought until you just brought it up to me.

[A]

You didn't have any thought apparently, because you're not willing to problem solve for anything because Slightly thinking about something is slightly inconvenient. And if it's slightly inconvenient for you, your mental health gets in the way.

[B]

Well, yeah, I got a lot of sub points. So, like, I have sub points when I think so. You might think from point A to B, but I. I have point A to B or C. But then I.

[A]

See how you're thinking about this. And even though that is probably technically correct, because you are willing to only think about this forever, you will not let yourself get out of that. You immediately say, I can't do something, because this is what happens with people who have similar mental health things to me, you have prevented yourself. You've built walls. Other people who actually make progress and go beyond actually try to push themselves. You immediately tell yourself that you can't.

[B]

I have. As you can tell, I've gotten a degree. I've tried to go back to school a few times. It's just I.

[A]

We're literally talking about deleting a app, lady. Yeah, deleting a app or putting a phone in a different room.

[B]

I live in a studio.

[A]

I'm not talking about getting a degree anymore. Yeah, put it in a kitchen cabinet.

[B]

Yeah, I definitely need to see how.

[A]

I can problem solve in a half a second because I actually think, instead of immediately saying I can't that do something.

[B]

I wear earplugs at night. And then so how am I supposed to hear it in the kitchen cabinet?

[A]

Hear what?

[B]

My alarm for work.

[A]

Then delete the app or return the packages. These are so many simple things. Your reasons are, I can't do anything. And that's the end of the story. Unless it's finding a way to get to a rave. And as we found out, if there are obstacles, we choose FOMO every time. See, and that is what that game proved. If there's something you want to do, you're willing to do the hard thing to get there. But if there's something slightly inconvenient that you don't want to do. Oh, no. Our mental health prevents us. And here's blah, blah, blah, reason why that I found online.

[B]

I didn't find anything online. I don't even have TikTok. That's why I said you keep referring to these, like, social media apps. And I'm just like, I kind of.

[A]

Well, this is where a lot of the mindset is.

[B]

Oh, okay. See, my mindset's not there.

[A]

Well, no, it is, but you're just aware down the rabbit hole.

[B]

Oh, thank goodness.

[A]

Your therapist probably you. You probably probably have A therapist that, like, fully enables everything which. They exist. Unfortunately, they're a decent percentage of them. Yeah, coddle, coddle, coddle.

[B]

Yeah. No, they're just like, what are you doing? I'm like, I don't even know. I need help, and that's why I'm here.

[A]

I agree. But again, you're not willing to do anything that isn't something you want to do.

[B]

I think maybe how. Having other options available.

[A]

No, it's options that you want, and you're, you're using your mental health as an excuse for that. If it's not an option that you want that is slightly more convenient to you, you won't do it.

[B]

It's not just mental health. It's, it's just impulsive as well. Like, I, I, I get a lot of.

[A]

But you're gonna say your mental health is gonna, you're gonna say it's the. You're gonna say your impulsitivity is about mental health.

[B]

No, it's about phone. It's like I see them all going, and then it makes me want to go. They don't try to convince me. I convinced myself, even though I told myself no. Then I get the ticket at the last minute, and the ticket costs more than if I got pre sales. So, you know, if I get pre sales, then it's way cheaper. It's $15 compared to the $30 I just paid to get into a show. Yeah. You see the videos, and then it's like, oh, I wish I was there. And then I'm like, hey, I could be there in about 20 minutes.

[A]

I don't wish I was here.

[B]

Oh, I'm glad I'm here.

[A]

Okay. As long as it takes to pay off. If you don't make any purchases and you pay your minimum monthly payment, which, congratulations. You pay your minimum payment, but you purchase. So if you didn't purchase and you paid your minimum payment, how long does this take to pay off?

[B]

I would say maybe, like, a few months.

[A]

14 years.

[B]

Where's that math at? Where's the 14 years?

[A]

Well, if you only do your minimum payment with the interest accruing and not purchasing anything, you'll pay a total of $8,500, and that takes 14 years.

[B]

So if.

[A]

Go on.

[B]

I feel like if you pay maybe like 5 extra dollars more than the minimum, does that maybe lower it down even?

[A]

But I asked if you only did your minimum payment, which is what you do, but without purchasing, which you don't do. Cause all you do is purchase.

[B]

I do. Especially during summer time.

[A]

The minimum payment is $101 during summertime. Is that what you said?

[B]

No, no. Especially during sleep time.

[A]

Return it. You.

[B]

Yeah, I do. Sometimes. I will admit it. I. Sometimes I do. Sometimes I.

[A]

Pull your damn Amazon. Pull it up. Pull up your Amazon.

[B]

Okay.

[A]

And I need to clarify. I need to extra clarify for the audience and for you.

[B]

I actually have to type in.

[A]

I'm glad you're talking while I'm typing so you can tell me that you have to type things in. I have to clarify for you guys. I deeply respect mental health. I give every guest that comes on this show free therapy sessions if they take it. Okay? And that is thanks to Sondermine, who's a supporter of this channel, who I recommend that the audience signs up for as well. And I use them.

[B]

Do you like my orders or.

[A]

I will do it. I am talking right now.

[B]

Sorry. I'm so sorry.

[A]

I recommend people go to therapy. I respect diagnoses. Now, a lot of people self diagnose a lot. I have diagnosed. I have a panic disorder and it absolutely sucks. I do have anxiety. Like, I get it. Depression is very real. ADHD is very real. There are a lot of real things. I am pushing back because of the clear examples that are being shown that when there is something again, slightly inconvenient that she wants to do, she will do whatever it takes to do it. But if there is slightly. There is something. If there's something slightly inconvenient, that is not the way she wants to do it. Mental health is the reason she cannot do it. If you get stuck in this worldview, you will never go anywhere. And that is why I'm pushing back. The toxic thing, once we went deeper into it wasn't as toxic as we thought. There was a physical altercation. People have physical altercations when they push themselves to the limit. I'm not saying it is a healthy thing. I'm not saying it is a good thing. But I am saying that clearly she pushed you when you got closer to her, when she got in your face. Okay, that sucks. But you went back and attacked her. You were the attacker. So let's not say that you were in the situation. You put yourself in the situation a bit more, you could have walked away. This was a situation where you guys were immediately arguing. It's just the view where we put our boundaries. Not every boundary is respectable. I'm gonna be completely honest. And that is there are gonna be some really angry tiktokers out there seeing this clip. But you honestly. Because if you Put a dumb boundary. I'm not gonna respect it.

[B]

It.

[A]

No, this is stupid. You've put up barriers when it comes to things you don't want to do, and you've used mental health, and you've really fallen in the rabbit hole of learning everything you can about it. So you can use talking points and so that you can tell yourself why you can't do something, but then you'll go do the things you want to do, and then you'll immediately say It's a level 10 thing because you attack someone so that you can play your music.

[B]

Don't touch me First. I think she learned that you don't.

[A]

Touch me, so I respect it. And obviously she should have moved out, but again, she is making it sound like it was a domestic abuse situation, of which it was not. There are different levels. There are nuances, and there are nuances in every piece of the conversation. Even if TikTok, Reddit, and Twitter is not willing to actually have levels of nuances, I will so off. We're allowed to have adult conversations in 2025. All right, Amazon. What is this? A sippy cup? I don't. Professional makeup Fat oil.

[B]

It's lip oil so my lips don't get chapped from the Florida sun.

[A]

We don't use chapstick in Florida. Okay, we do. I don't know what this is either.

[B]

Wet wipes.

[A]

Okay, we got a dirty asshole. Got it.

[B]

Nasal spray.

[A]

Nasal spray. Not horribly against that. Definitely against this shirt that you probably bought in the middle of the night. You got the beach wear?

[B]

Behind me. I bought it for the show.

[A]

And then she doesn't wear it. Then some beach wear. Pre made Stargic espresso and cream bowl. Make your own damn coffee. Toilet paper. I'm okay with that. Comfort plus. I'd rather you know more, so go with. Well, Comfort plus is probably good. I don't do. Scott. What do we do here? Charmin Ultra soft. That's what we do.

[B]

And I. I usually do angel soft, but then it was on sale with the. I just bought the wig.

[A]

Okay, we've gone way too far into that. We got more beach wear, which we refuse to, I guess, wear more than once. We got some butt lift stretch denim jeans. Okay, so she don't have that. We've learned everyone.

[B]

Yep.

[A]

Thank goodness. I'm glad we know this information. But we do know it's dirty. Box three compartment medicine pill. Yeah, probably need a lot of those. I get it.

[B]

Mm.

[A]

4.5 mini makeup bag to bring on this trip. You didn't we did not ask for it. You did that again. You are using it as an excuse. Travel bag. We did not ask for it. You are doing it. Small makeup bag. We did not ask for it. You did it. TSA approved toiletry bag. We did not ask for it. You did it. You got an identical repeat just red of an outfit. Okay, I'm good with that game. Main thing, makeup remover, you know. Absolutely. Sure, that's fine. Molecules. Niaceptum serum. Come on. I get it. But like, just look at the spinning that we've done just in less than a month. Febreze Plug air freshener. Getting these endless body suits. Your bodysuit. This is that one. I think you're getting a sexy top thong bodysuit.

[B]

Yeah, so I can cover up my stomach and everything.

[A]

Then she got a red version. And then she got quick flash 401 time. Use cameras. This is just. I don't know. This is bull. This is bull. You get so many different versions of the same clothes and you just get them like, every couple, like, every week. 14 years to pay off endless interest. This is stupid. And yes, it's an Amazon purchase. Not so surprise interest this year so far. $286 on one card. Is it a 30.99% interest rate?

[B]

39.

[A]

30.99. So 31%. That does not make it better. I mean, I guess it technically does, but it. That does not make it good.

[B]

Yeah, I thought you said 39.

[A]

It doesn't make it good.

[B]

No, not at all.

[A]

Return all the that. Return it all. That jacket doesn't matter. It's Texas. It's 90 billion degrees out. Return it. Florida's also hot. Return it.

[B]

I washed it already.

[A]

It's Amazon. Oh, I didn't can daddy basis. Don't care. Maybe they do now. I don't know.

[B]

Yeah, I know. I don't think.

[A]

I don't care. Return everything. Delete the damn app. You probably shouldn't have it anyway. Go to the grocery store.

[B]

Store.

[A]

Go to the grocery store.

[B]

I get Walmart plus delivered.

[A]

Okay. Go to the grocery store. I'm sure you get anxious in the aisles, but guess what? You're ing raves. So you are doing that to yourself.

[B]

Yep.

[A]

You are choosing at this point. And it's. It's stupid. It's dumb. It's dumb. City Double cash. I like this card. I use this card. I have this card. You are obviously not a credit card person because you're not using it. Great.

[B]

Yeah, I got that one for the perks. And I also Spent.

[A]

Great. Our perk is accruing 50 in interest a month. What parks are you using? Oh, great. We're also purchasing an. On a card. Oh, great. It's maxed out. It's over. It's over. Limit by 49.27. But we're purchasing on a it. What are you doing? What a dumb. That's so stupid. What is going on with this?

[B]

I think I make the minimum monthly payment on it, and then what comes back with the interest is more.

[A]

Yes, but you. Because you're purchasing. It's only because you're purchasing. What? I'm not gonna let you use that excuse. No, if you're making your minimum payment and interest accrued, you would not be going over the limit. It would go down slightly. Not a lot, but it would go down slightly. However, you are purchasing after you make your minimum payment, but you're purchasing, and then interest hits, and then boom, it's over. It's over. Nine years to pay off if you don't purchase. But you're incapable of that. So what the is going on here, huh? What are you doing? What are you purchasing on? What do you think you're purchasing on? Let's see. I don't know. I'm gonna find out, so you better not lie.

[B]

Nope. That one I'm pretty sure was a festival as well on most of the. That and a trip. A trip to Sedona.

[A]

What the. Is that?

[B]

Arizona? Sedona, for cacti, for peace.

[A]

Go to the beach.

[B]

I just did. I'm sunburned.

[A]

No, you're not.

[B]

Well, you don't. It don't look like it right now, but I am. I'm peeling. Yeah. So I went to Sedona. Cause I know it's a big, big piece. Like, they have energy vortexes and whatnot. And I did a lot of taking. Yeah, a lot of energy vortexes and whatnot at the cathedrals.

[A]

Who am I talking to?

[B]

You're a hippie raver chick.

[A]

No, I mean, if we're bringing up energy vortexes, like, I can't respect your line of thought.

[B]

And then sometimes I will do a payment plan for a festival, and then I'll just stop paying on it.

[A]

Yeah, and sometimes you go to energy vortexes. Let's not move past that. That's the most dumb thing I've ever heard in my life. You know an energy vortex? The.

[B]

Like, the Earth's magnetic.

[A]

Yeah. Now that's actually real.

[B]

Yeah.

[A]

Now what are you talking about?

[B]

Energy vortexes are at the. Like in. In Arizona, at These different places there.

[A]

Guys, the polls are in Arizona now.

[B]

No, I have a video of me at one, and it says the cathedral Vortex. Like, I have proof.

[A]

Like that means nothing.

[B]

And then, like, ATV in the mountains and then in the desert.

[A]

At least they want you to go there, lady.

[B]

Hiking's free there. So I don't understand, but you had.

[A]

To pay to go there, and you spent money while you were there on food and accommodations.

[B]

Yeah, we flew into Las Vegas and drove.

[A]

What the do you think tourism is?

[B]

Yeah. Cause I was trying to visit the national parks and.

[A]

But you went for peace.

[B]

Yeah, because, like, hiking and out in nature.

[A]

Hey, you. Peace. You spend 45% of your income on rent. You don't have peace. You don't have peace until you solve that equation.

[B]

Yeah.

[A]

There is no peace to be found no matter where you go, no matter what you do. When 45% of your money goes to rent, there is no peace. You don't solve that until you go to school and get a better job or just go get a better job working at an office and change your careers or go on. Don't spend money on delivery or don't go on these vacations or work a second job or do any of the basic bare budget minimums. You don't have peace until you solve this issue, no matter where you go. A vortex is not going to solve that. Yeah, not a vortex in this world will solve your 45% income going to rent. So don't vortex me. Your vortex. Your vortex is bull.

[B]

I live for experience.

[A]

You live for 45% of your money. Going to rent is actually what you live for. In fact, you literally live to go to work because you have no other choice, because you've been done with your entire spending life debt existence. No, no.

[B]

I just don't think I put the tools that I have.

[A]

Tools? Your tools? What tools? You don't have a tool. Your only tool is a vortex, and it's bull. I'm sorry.

[B]

You're not wrong, but at the same time, you're not right.

[A]

What?

[B]

Because I feel like I can't. What am I trying to say?

[A]

Yeah, what are you trying to say?

[B]

I'm trying to work it.

[A]

What's the vortex in you saying?

[B]

I feel like sometimes I'll pay for, like, go on a payment plan for a festival so it's more affordable, but then I'll stop paying it.

[A]

More affordable?

[B]

Well, because I could. I don't have to pay the lump sum and put it on a credit card.

[A]

More affordable.

[B]

And then I'll start paying on it if I know I can't afford it.

[A]

When you have more minimum payments, your life's not more affordable. Again, 45% of your money is to going going to rent. Add in an additional minimum fee payment is not affordable.

[B]

Yeah, but then I'll stop paying on it after like one or two payments. Cause I realize I won't be able to travel and afford it. So I'll just completely stop paying on it. So it's another oops, I have the enthusiasm. And then I.

[A]

You have $0 retirement at 40. At 34. Whoops.

[B]

Yeah.

[A]

Sedona, you have $0 in retirement. You're not gonna be able to survive. You're not able to go outside. You're gon retirement. Sedona, the only vortex you'll be seeing are the swirly things going down the drain in a Walmart bathroom that you're cleaning at 80 cuz you can't afford rent. That's your vortex. Well, hopefully because you aren't prepping for anything you'd rather around.

[B]

Well you around and find out. Right?

[A]

And you found out a hard way.

[B]

Yeah, like my mom says, I always find out the hard way.

[A]

Your mom invented that?

[B]

No, she just said I'm hard headed. I learned the hard way. She's like no matter what advice she gives me.

[A]

Yeah, you don't learn though. You see the hard and then you keep going.

[B]

Yeah. And then you're going in raw. Yeah. But then, and then once it gets to rock bottom, that's when I'm like.

[A]

Okay, no, you've been at rock bottom. You're. You've been at rock bottom.

[B]

I've pulled out and now I got back in. I jumped right back in.

[A]

No, you're at rock bottom. And then somehow you just put on creative mode and dig through. Like you just go further.

[B]

Yeah, I've gotten myself out of debt like twice. And then like I jump right back in. Yeah, but now you can't get back.

[A]

Out because you moved to a situation that you could cannot afford. It is a different situation. The math no longer works. It is not different. It is not a copy and paste. What? Your mom will give you money when you're out of money before payday. So now. So somehow even though mama does support us, you're still it all up. How with a support system like that where she honestly, let's be honest, enables you you. But whatever.

[B]

Yeah, it's 50 to $100. It's not. And I pay her back.

[A]

So you're in like a debt cycle. To your mom.

[B]

No, no, no, no. Like, like obviously once in a blue moon she'll help me.

[A]

Yeah, but then you pay her back the next month. But then you don't have enough money at the end of the month, so you have to take it again.

[B]

No.

[A]

What the. What the are you saying?

[B]

No? Just sometimes. Like. Like when I overspend.

[A]

Overspend. So mama is enabling your overspend spending?

[B]

Yeah, in a way, yes.

[A]

You're 34 grown ass woman.

[B]

I'll say could I dollar tree gas money but then I'll pay her back.

[A]

With a 33 year old grown ass woman. You're asking your mom for gas money?

[B]

Yes.

[A]

So you can go to a festival.

[B]

No.

[A]

Yes. Because you spent your festival money, which is why you don't have enough money for gas. Which means because you wanted to go to a festival.

[B]

Yeah, and it's not every week or every month I ask her. It's every few months.

[A]

Maybe at 34, as a grown ass woman woman.

[B]

Yep.

[A]

Hey, quick question. How many jobs have you had since college? 2? 5? More. Every single one of those could have left you with an old 401k that is floating around in the void. And guess what? 25% of all 401k assets get lost or forgotten. And that is not just lunch money. That is your retirement. Rolling over your 401k sounds easy until you try it. Tracking down your old provider, calling your former employee, maybe even fixing stuff, maybe even faxing stuff. In 2025, capitalize skips all that nonsense. They're a concierge platform that helps you find your old 401k, helps you open or connect an IRA of your choice, and handles the full rollover for you. Boom. Retirement savings reclaimed. If you've ever changed jobs and didn't move your retirement account, go to highcapitalize.com caleb and roll it over today. Hey. Links are also in the description. Big thanks to Capitalize for sponsoring let's get back to the show.

[B]

I'm just proud glad that I have my mom.

[A]

I would be too. It is disgusting what you are doing to her. But this 34 year old grown asshole.

[B]

It'S not like I'm taking the money and like stealing it or giving it back to her.

[A]

You don't again. Now this is not a copy and paste situation. Just like any time you run up a credit card and pay it off every month, all of a sudden we end up in a situation where credit cards maxed out. You have been able to pay back your mom so far. Now 45% of your money goes to your rent. What happens when you can't?

[B]

It hasn't happened yet.

[A]

Yes, you are in a different situation. It is not copy and paste. Just because something has, doesn't mean it will.

[B]

Exactly, Exactly. I said it hasn't yet. So great.

[A]

Okay, well. Yep. Tickets and then Amazon. Great.

[B]

Yeah.

[A]

$203 on this card alone. So basically at $500 in interest. Two cards that we've looked at. Listen, it's not perfect, but if you can't get through college, I'll gift you a course. Career certification. Get that certification, boost your income at least that. Great for just resume support and getting into a new career field. I'll at least do that.

[B]

Okay, I'll take it. I'll take whatever I can.

[A]

Yeah, but it's not you to complete it. Okay. Chase. Amazon card. So great. Yeah, you spent on Amazon, on the PayPal and on the city. So now we have an Amazon card as well. $2,135.64. 10 years to pay this one off. We purchased again on a card that is now over maxed out. It is over maxed out, lady. It is. What are you do. What are you doing?

[B]

Nonsense.

[A]

Yeah, you were over the limit on the first card by $560.

[B]

Over what?

[A]

Yes, you were over the limit on the first card, the PayPal card, by $560. I didn't even see that. And now I realize that the two cards in a row being over the limit. I should probably look back. Guess what? All three cards are over the limit. Yet you purchase on. And no, your mental health does not make you do this.

[B]

That $560.

[A]

Yes.

[B]

I feel like I need to pull that up.

[A]

Well, I don't know. I mean the Texas RC, maybe it's $56. It's hard to see.

[B]

It looks like 500 like that. It doesn't matter.

[A]

You're over on both. Who gives a.

[B]

That just startles me. Sorry, I was just like. Wait, wait, wait. I have seen that.

[A]

It's a disaster. Stop. Amazon over the limit $2,135.64. Hey, hey, hey. Bull. $71 minimum to payment, purchasing interest accruing. So stupid. And then it's Amazon and Amazon $200. This one. $200 this one. Okay. The PayPal. Cause it's hard to read, unfortunately is $55.26 over.

[B]

Okay. Okay. That scared me from like the 26.

[A]

Combined looked like a zero.

[B]

I know it doesn't make it better. About the same time no, it doesn't.

[A]

You're over on the three that we've talked about. We've talked about three and you're over all three.

[B]

Yeah.

[A]

That's a good thing to be seeing. This is an additional $200. An additional $200. An additional two hundred dollars. What a joke.

[B]

I also put on clown makeup and won my alone time.

[A]

Venture card. It's over the limit.

[B]

It is.

[A]

It's over the limit.

[B]

It's like my baby credit card too.

[A]

Your baby credit card? What is.

[B]

It has the lowest limit. It's like the newest one. Not like Mom.

[A]

Stop supporting her. She needs to just. She needs to get evicted and find out the hard way. $1024.19. She needs to figure out that she can put in a little bit of work for things that is slightly inconven and hard for her instead of just putting in work for things that she wants.

[B]

My rent has never been late, ever.

[A]

Mom supports you. You. You put all your money on credit cards and now they're over maxed out. So guess what? In order to live the lifestyle you want to live, you're not gonna be able to put them on credit cards anymore. Rent might be late and it's also not copy and paste. You've only been in there for a little bit and now it's 45% of your income. Stop saying that. Because things happen. They will be. It is a different situation. It is getting worse. You have gone beyond Bedrock. Red Rock.

[B]

I heard it's nice there.

[A]

Where?

[B]

Bedrock. Where Fred Flakestone lives in the Stone Ages. Nevermind. No pun intended.

[A]

No pun given. $1,024.19. Limit of 1,000. Minimum payment. $34 at least. No purchases on this one. But you couldn't. I mean, you started over the last limit, so you literally couldn't. It wasn't via your choice or behavior change. It was you being unable to.

[B]

Well, I've also locked that card too.

[A]

Well, thank.

[B]

Yeah, I locked that one. Cuz it's.

[A]

Why this one and not the other three that you're over.

[B]

Cuz you know the debt snowball effect. Like with the minimum. Start with the smallest.

[A]

Oh, David.

[B]

Listen, David, I try. So I locked it so I can't do any more damage, so.

[A]

But you did one out of.

[B]

Yeah, I know, but.

[A]

Okay, yeah. Maybe we should have listened to the other DVDs.

[B]

I should have.

[A]

Because it also says don't spend on the other credit cards. Don't spend on the other credit cards. Not gonna see the inside of a restaurant unless you Work in there.

[B]

It's like a perfect representation of him.

[A]

My wife is probably my sister. Don't know that one for a fact. I'm just going based on the accent.

[B]

You never know. It's 2025.

[A]

Well, we're sisters in 2025.

[B]

I don't know. Not me, but Dave might.

[A]

David, I'm sorry.

[B]

Me too.

[A]

Seven years to just pay this one off. It's a thousand dollars. It'll take seven years. Thousand dollars in. It takes seven years. You'll be in your 40s still. Zero dollars. Still paying off credit cards. Zero dollars in our retirement. Still paying off credit cards. Seven years for $1,000. That's ridiculous. That is beyond. That is beyond. 95 dollars of interest accrued this year so far on here. 29% interest rate. That is beyond. I don't understand. This is the fifth credit card, and you're over the limit. You've been over five. Five out of five you've been over. I don't know how many there are, but five out of five you've been over. What a joke. What a joke. What a joke.

[B]

Yeah. That one is also my oldest one, so I didn't want to close it when I paid it off completely before, and then I spent all of it.

[A]

When they upgraded my $1,111.20. What?

[B]

When they said I could spend more on it. What is.

[A]

And then I was like, $37 minimum payment, interest accruing, didn't purchase because you can't. Eight years to pay off even further under our 40s. Paying off credit card. $0 in retirement. Less than 10 years to go before you can pull from your retirement tax advantage accounts. $0. So what did you put on this? Right, yeah. 29% interest. $100 is your.

[B]

So far, I was gonna say, I don't think I've been using that one that much as well, because it's like I said, it was my oldest one, and they, like, raised my credit limit, and that's when I ended up spending and maxing it out.

[A]

What the is this possibly? I see a 35.77% interest rate. What the is this possibly. What the is this possibly? It is a 35.77 interest rate.

[B]

That was my first credit card. Wait, wait.

[A]

Oh, that's a loan.

[B]

Oh. Yep.

[A]

Amount paid. A Golden Globe Medical spa.

[B]

Yep.

[A]

Spa.

[B]

Yep.

[A]

What the is this? Tell me.

[B]

It's for my face, as you could see. Well, I have some makeup on, but there's some issues with my face face that I needed to get fixed. And what's broken the.

[A]

And what is the spa doing to fix it?

[B]

Well, it's like a, like aesthetics, like micro needling or stuff like that.

[A]

What's wrong? Is it just a dry face?

[B]

Well, I have like eczema and things of that nature. But I also.

[A]

So we're trying to fix it or.

[B]

We'Re going to a spot the sun damage and other things.

[A]

Sunscreen lady.

[B]

Well, when there's sun damage already, the sunscreen doesn't fix that.

[A]

Why are we you wearing sunscreen to begin with?

[B]

I did. I just forget to reapply sometimes.

[A]

You can't. You live in Florida. This is basic status. So now you have a 35.77% interest loan.

[B]

Yep.

[A]

That's dumb. It's dumb. This is so stupid. Spa, Spa, spa, photo facials and Botox. They're saying.

[B]

Yeah. So the photo facials for the sun damage and Botox it was for the UK got me up lines the year 11s. I look at people like this all the time because they got me fucked up. Like how I have you right now.

[A]

That's your choice. That is a full one.

[B]

Oh, no, I want. It's just my expression.

[A]

It's a full want. That is a full want.

[B]

It was.

[A]

It has nothing to do with anything that has happened. So you, it was you. When you def. When you explained this at the beginning, you did not say that you got a want injected into you.

[B]

Well, the Botox was different. That was a different loan.

[A]

Oh, it's a different loan. Oh my. So spa loan is 770, 88, $128 payment. Stupid. Going to the spa for 35.77%. I haven't heard of that before. That's a new level of. New level of just dumb. Oh, good. You opted into a $75 or six month, $75 a month member membership.

[B]

Yeah, that price for the. Oh, thank goodness for like to get the price for everything to get lowered. If you sign up for a membership, you get it cheaper. But that 75 I can use for any. Anything at the end of the season.

[A]

Yeah, yeah, yeah. You should. Yeah, you should spend more money. That sounds like a wonderful idea. A wonderful idea. You should get a membership to spend more money. That sounds fantastic. Greatest choice we've ever made in our life.

[B]

That probably was. Yes.

[A]

Oh, here it is. Dan Hatter. 35.96% interest rate. This is the Botox. Is this a Botox?

[B]

How much does that.

[A]

Oh, 318.

[B]

Yeah.

[A]

Bo Tox. David doesn't suggest that either Lady, I didn't hear him say that in the D.V. ds. And guess what? It's not. Cause he was in real estate dead and went through bankruptcy. See? $318.16. 35.96% interest rate on Botox. Minimum monthly payment17.7. Moronic. Moronic.

[B]

It made me look a little bit.

[A]

You look your age.

[B]

I do now. It starts wearing off now. And now they're coming.

[A]

It's not funny.

[B]

I'm not. I was just trying to show you.

[A]

It's a 36 point dumb, dumb, dumb, stupid, moronic interest rate of idiocy.

[B]

Yeah, that definitely was a choice.

[A]

Yeah, that definitely was a choice that you made. And then. But guys, the slightly inconvenient things that we don't want to do, we can't do it because. Oh, Suncoast Credit Union. What's this?

[B]

My car loan.

[A]

Oh, it's a $15,052. Okay. 10.25% interest rate. That is not good.

[B]

That's because where my credit was at when I applied for the loan.

[A]

Yeah, I'm sure your credit's not great now.

[B]

Not anymore.

[A]

It was when I applied for minimum monthly payment $284.85. What is the car?

[B]

I have a white Mazda CX5. It's a 2017. I mean, I paid 15k for it.

[A]

You paid 15, but your loan is over 15. When'd you get it?

[B]

In September.

[A]

You paid 15, but your current loan is over 15,000.

[B]

No. What? No, no, no.

[A]

It's at $15,052 dollars. Oh, wait, yeah, you. No, no. This is your acceptance. I don't even know. But I'm gonna keep it there either way, regardless. It's worth 13.

[B]

Okay, so like I originally. So the loan itself was 15.

[A]

Yes, 15.

[B]

And then. Yeah. And that's what I paid for the car. I brought it there with my piece of crap car that was about to fail. It was a 2005 Hyundai Elantra.

[A]

Okay, okay, okay. So I got a new okay, okay. It's worth 13.

[B]

Okay. That's how much I bought owe.

[A]

It's a disgusting interest rate.

[B]

Yeah. I'm gonna try to refinance once I get a little bit better credit. Yeah. And as well, I really need to get the brakes changed on it. Cause when I first got the car, they gave me the Carfax report. Everything was done but the brakes. And now I'm starting to feel it, but I can't afford it now.

[A]

Can you get. You can if you weren't. Yeah, you Chose festivals over your brakes.

[B]

I did.

[A]

Chose Botox over your brakes.

[B]

I did.

[A]

They're choosing all those copy and paste butt lift things on Amazon over your brakes. And I guarantee your butt looking slightly bigger but still incredibly small is not gonna keep you safe when your car crashes.

[B]

I bought the pants to wear on the show. They're in my bag in the front.

[A]

Why would you wear buy the pants? I've never seen your pants. I will never see your. And the camera's never seen your pants and they never will. So why the are you buying pants to be on a show where I literally only see you from here to here.

[B]

My weight has changed and I don't fit into any of my clothes so I've had to buy.

[A]

Why does that matter for this show?

[B]

I didn't know if. What I didn't know the proper clothing to wear. Honestly, there is none.

[A]

It's just wear clothes. Don't let tit hang out. It's like the rule. Cause that's demonetization. Other than that, wear whatever the you want. I don't care.

[B]

Yeah, I just, I just wasn't.

[A]

That's why someone's dressed up in African wear even though it was white as day.

[B]

Yeah. So I just was unsure of the clothing. So I brought pants and shorts with me and yeah. Sensory.

[A]

I don't care.

[B]

So that's why that.

[A]

Sensory. Yeah.

[B]

And then the weight gain. So that, that's why I'm buying pants.

[A]

Yeah, there it is.

[B]

And that's my student loans monthly payment.

[A]

525.

[B]

So what's happening with that right this second is I was doing that save thing and they overturned it. I got a notification just like two weeks ago saying I need to sign up for. Cuz I had a, an IDR plan and it was going to be like 132 and they overturned that. I, I guess in, in the courts as well. Yeah, I got a notification that I was in a 60 day forbearance and they'll let me know what my new payment's going to be.

[A]

Well, looks like $525.60.

[B]

Yes. This was about like two weeks ago. So I don't know.

[A]

They're making you pay back the contract that you signed?

[B]

Yeah, no, that's a crazy contract. That's completely okay that I need to pay. It's just. So I signed it for that. But they said why?

[A]

Listen, I get, I'm actually okay with income driven when people are in struggling situations. I'm good with that. But also, let's just look at it. Logically, you 100% knew what you were signing up for when you signed up. You signed the contract. Why the. You get something special.

[B]

I shouldn't. I don't think I am entitled to anything special. I just. I think I just was more uneducated than anything with that. And I did take out more than I needed. I didn't lower the.

[A]

I mean, a lot of people sign just paperwork at 18 go to college. It's just a tradition instead of in the coast. Course counselors don't talk about it, and certainly the refs at the school don't because they want you to go there and spend all their money. So I get it. The system is set up to get the person to just sign the dotted line. But yeah, we don't live in a stupid age. We have YouTube. We have more resources than ever for seeking knowledge. If you really just want to.

[B]

It's like, yeah, it's a hard time. Yeah. So that's what's going on. So I don't know. It's in a forbearance right now. I don't know what the new payment will be. I'm gonna find. Find out soon. But they said if they don't come back in 60 days, they're gonna put another forbearance and let me know soon. And I'm like, oh, we'll see. Yeah. So that one is a little iffy.

[A]

I'll cross it off for now. But that's gonna be brutal in the headset. Is that all your debt?

[B]

Yes.

[A]

Great. I have an ending balance and a checking account of $5, $0 and then the main one. $16.

[B]

Yeah, yeah. It's a credit union. So, like, you have to do like a five. Like. Like each person puts in like $5 to have an account with the credit union, and then there's a savings account and then a checking account in it.

[A]

But even though we have no money and we can't pay our loans and we decided to our entire life and can't afford anything, we're doing Amazon, Amazon, KFC, KFC, TV Aeropost. Amazon, Spotify, Amazon, PayPal, PayPal. More TV. I think you're renting movie. Movies. Zell. KFC. DoorDash. You're DoorDash, but you're not paying your debt. Sure. Zelling out money. EBay, DoorDash, PayPal, Amazon, Amazon, PayPal. Going in, getting some BS. More tickets. And skippers. And skippers. So two tickets in the month, by the way. Moo Go, Amazon, Wendy's Car wash. You live in Florida to off. PayPal. Amazon. Oh, a fee. Some fee. PayPal. Oh, good. Yep. Overdraft. You overdrafted.

[B]

Last month.

[A]

Oh, he didn't even know.

[B]

Like, I deposit my check three times. Two.

[A]

Sorry. Started two times.

[B]

You overdrafted twice last month or in the year?

[A]

Last month. Okay, last month. You overdrafted three times last month? Two. I don't know why I keep saying two times. So that you can doordash and go to KFC and tickets and not pay more towards our debt.

[B]

Yeah, yeah. Those tickets got sold on StubHub.

[A]

Single cat lady headed to her mid 30s. Who would have thought, like, shopping is hard, right? But I found a better way. Stitch Fix Online Personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want, no subscription required. And he sends just for me, pieces, plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today@stitch fix.com Spotify. That's stitchfix.com Spotify. This is a complete disaster.

[B]

I know it. Since I was born.

[A]

Huh?

[B]

I know it would happen since I was born.

[A]

Why?

[B]

I don't.

[A]

You had a boyfriend? I was honestly mostly just joking about cat ladies. That's not even true.

[B]

I had a boyfriend for seven years, and then he destroyed my credit.

[A]

So, okay, that sucks. But either way, I was mostly just making a joke about cat ladies. Like, that's not even true. Like, I don't care. You can be single. I have single women friends who are doing very well. That's not a bad thing. Who cares? You do whatever you want to do. I don't give a. But, my goodness, you're living up to the stereotype. Steak and Shake, Wendy's. So that we can overdraft their checking account. Apple bill, KFC. So that we can overdraft their checking account. PayPal money going out. And then we overdraft their checking account. Oh, great. Wonderful. I don't know, dude. Good luck.

[B]

Yeah.

[A]

This is one of the. I'm gonna make a budget. But it's one of those where I don't think making a budget even matters, because, like, you will make every excuse in the world not to do something because it's slightly difficult, but if you want to do something, like we saw, you'll do it.

[B]

Well, I have my mind set up right now to get this handled, so I think that's.

[A]

That's for the next 30 minutes total income. We're going to say 3,000 after your side hustles. And setting aside a little money for taxes from those debt minimum payments. Let's get that. Let's not include the student loans. We don't know what that payment will be when it hits. I don't know. We'll find out. Won't be good. Debt minimum fee payments, $795.03. Crazy. What's your rent? Rent. Just rent.

[B]

So it's 1,100, but then.

[A]

Yes, yes, yes. I know you do other things. I'm asking. Just rents.

[B]

1100.

[A]

I knew you were gonna do that. Okay, now what's your utilities?

[B]

So the water travel.

[A]

Oh, come on.

[B]

You just fill the fold. It's 200. No, $130. Okay, that's not with electricity.

[A]

Gas, Vroom, vroom. Drive, drive. That's not with electricity. Add electricity.

[B]

Okay. It's about 80 bucks on top of that.

[A]

Okay, so 220. 20. No, sorry. 210, right?

[B]

Yeah.

[A]

Okay. Gas, vroom, vroom. Drive, drive.

[B]

Like $100 now that I'm.

[A]

Phone bill, phone bill.

[B]

$25. Car insurance or $200.

[A]

TP fund. Anything else you need to survive? $100. Necessary food? Not much. $300. Use our cookbook. You get it for free. Once they get in, there's a delay in the shipping, but they're almost here. Medical bill, co pays, things like that. Anything.

[B]

Doctor's visits are $5.

[A]

How many a month?

[B]

Probably 2, 4, 6. 4 or no wait, 2, 4, 8.

[A]

Doctor visits.

[B]

I go to the chiropractor twice a week.

[A]

That qualifies.

[B]

Okay, well that's five dollars. That's medical, right?

[A]

Yeah.

[B]

Yeah.

[A]

Okay.

[B]

And my medications are zero right now. Unless it's a different tier.

[A]

You said it's $5 per doctor visit for specialist.

[B]

Yeah.

[A]

Okay, so only $40 in CO pays a month?

[B]

Yeah.

[A]

Okay. That's it for your medical.

[B]

Yeah, for right now.

[A]

Okay. Subscriptions? No. Cat age and health.

[B]

My cat just turned 13. She's in great health.

[A]

Nevermind. Okay, no pet insurance. Won't qualify. Have food.

[B]

How much maybe because I could buy a big bag and it lasts like six months, so that's like $40.

[A]

Okay, 40 divided by six. Okay, seven bucks.

[B]

Yeah.

[A]

Anything else that needs to be in your budget that I have not put in your budget?

[B]

Mmm, trying to think. Just those. The cherry things. No, I think that's about it until my student loans have pet. We'll figure that one out on a different day.

[A]

Yeah. You really have no wiggle room if you don't work Anything extra, you're actually under by $100 if you don't work anything extra. But if you do get up to 3,000, you actually do survive, but barely, but basically no wiggle room whatsoever. $122.70 to be exact, in wiggle room. So let's. Six hundred and sixteen months after that, or 51 years. So here's the reality, and this is kind of what I knew was coming from the beginning. The reality is you got to suck it up, take advantage of the accommodations, go to a school, community college, whatever you can do that offers the programs that you want to do and actually put in the work and the time and find the accommodations that you can put in the effort. The amount of effort that you take to go over the steps to go to a rave, to do a trip, to go to a vortex or whatever, whatever you do, that amount of effort, just put even half of it into just trying to find a system that works for you. Even if it takes you twice as long to complete school. We need to boost our income. If we're going and we're borrowing a little bit more for school for the long term life, I am okay with that. But you need to boost your income. We got to get to at least $30 an hour. Even if that is starting a whole brand new career through the certification or just becoming an entry level desk person somewhere and working your way up or working a second job, working the McDonald's, something on the side. You gotta bring in more money. Those are your options. Once you bring in more money, then yes, pay off the debt, smallest to largest, no spending on them whatsoever. That is not involved in David's, in David's little snowball. He didn't invent it. But either way, just because you're watching the DVDs.

[B]

Yeah, that was a while ago too.

[A]

And then we got to start catching up on retirement. You got to get a six month emergency fund, then catch up on retirement. But you need to focus on either school or picking up a second job. Those are your two options. School or second job, or go through bankruptcy. But you haven't changed your behavior. So bankruptcy would just hurt you in the end because you would get back in the situation that you're already in with credit and not getting in apartments and a lot of different struggle things. So if you do go through bankruptcy, at least prove that you can live this lifestyle for 3 to 6 months. Change your behavior. I don't know, man. That's it. I just, I don't think you're gonna. I Don't think you're gonna do anything that is slow, slightly inconvenient to you. You're gonna find an excuse to not do it.

[B]

I don't think so. My mind is definitely for the next 30 minutes. No, it. I'm. I flew out here for a reason. I'm definitely here for.

[A]

I hope so. Come back on the financial audit follow up channel. I gave you a path forward. Yeah, they're relatively simple paths. You just have to figure out which one you want to choose. Do one of them. Come back on here in six months and the follow up channel and prove me wrong. Spending in a budget. You technically, technically spent under what you make, surprisingly. But none of it went towards anything productive. So 2 out of 10 debt. It's bad debt, you know, especially for your income situation. It's not the worst debt in the world, but it is a 2 out of 10 emergency fund. Nothing 0 out of 10. Retirement. Nothing 0 out of 10. Real estate. Nothing 0 out of 10. Hammer financial score rounded up to a 1 out of 10. Guys, join us in the post show. Maybe I'll call the roommate. Maybe I'll do something else crazy. But we always find extra drama, something crazy that we couldn't talk about in the main show. So make sure you join them. Hammer Lead is the best membership on the entire platform. The top. The head. The head. People at the platform have told us that themselves. So just join. It really helps support this channel. It's incredible. I'll see you guys in the post show. If you don't want to be like this guest, by the way, or any guest, no offense to you, just download the budgeting app, sign up for the annual version. I'll sign the cookbook. I'll mail directly to you so you can post show. Bye. Why do you owe the IRS a dollar?

[B]

Spent dollars on last month she told me. Yeah, I booked a festival. I'm coming back in October and then I have a festival in November. What are you doing?

[A]

You are negative money on a monthly basis. You cannot go to a music festival. Period. Period. Period. Period. Are you still planning on going?

[B]

Yes. As long as I could find somebody to come with me.

[A]

There should be no. Yes, there should be no. Yes. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.