Failed Camgirl Is A Literal Clown | Financial Audit

Summary

Financial Audit Podcast – Episode Summary

Episode: "Failed Camgirl Is A Literal Clown | Financial Audit"
Host: Caleb Hammer
Guest: Natalie (33, Chicago, Illinois)
Date: October 23, 2024

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EPISODE OVERVIEW

In this episode, financial expert Caleb Hammer conducts an in-depth financial audit with Natalie, a 33-year-old bartender from Chicago. Natalie openly discusses her chaotic financial history, marked by impulsive spending, family support dependencies, minimal income, and lingering debts. The conversation delves into her experiences as a former camgirl, struggles with mental and physical health, and her desire to reclaim financial independence and rebuild her life for herself and her three children.

Hammer’s signature mix of directness and tough love surfaces throughout the episode, challenging Natalie to confront uncomfortable truths about her habits and instigating actions on the spot. The episode oscillates between comedic relief and poignant moments, painting a raw picture of financial mismanagement and the inner obstacles to lasting change.

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KEY THEMES & DISCUSSION POINTS

1. Natalie’s Background & Financial Situation

• Natalie, 33, is a daytime bartender making only $15/hr plus tips (sometimes as low as $4/day; [00:58]).
• She lives with her younger brother after being kicked out of the home her mother financed for her and her children ([02:12]–[03:59]).
• Three children (ages 14, 11, and almost 9) live with their father, who covers their basic care ([02:27], [05:38]).
• History of unstable income: 7 years as a stay-at-home mom, odd jobs, and over a decade of camgirl/online work ([00:05], [06:34]).
• Dependency on family: brother (current living situation), mother (past housing), ex-husband (currently pays bills/credit card, prior to phone and car insurance; [15:26], [18:03]).
• Former heavy involvement in camgirl work—13 years on and off, making ~$600/month at peak ([00:04], [06:34]).

2. The Cycle of Dependency and Spending

• Spends impulsively on non-essentials: fast food, Uber Eats, video games, building up a vast collection of Harry Potter Legos (approx. $8000 over four years; [42:26]), Pokémon Go in-app purchases, and fashion purchases ([17:38], [41:19], [50:49]).
• “I bought a bunch of crap. I bought this dress. It looks really cute." ([17:38])
• Accrues debts while relying on support from ex-husband and family, often neglecting even minimum payments while justifying unnecessary spending ([18:03]–[20:20]).
• Regularly overdraws checking account and racks up fees: “You started the month with negative. You overdrafted four times. And we're going to Uber Eats every day…” ([53:16])
• Receives EBT benefits for groceries but spends personal income on fast food and entertainment ([49:46], [50:01]).

3. Credit and Debts

• Total Debt: Multiple credit cards maxed out or in collections (Capital One, Credit One, Target), charged-off car loan, medical bills, student loans ($9k), personal debts to family ([31:06]–[34:28], [40:20], [46:01], [47:00]).
• Ex-husband pays her Capital One card monthly, even though they broke up four years ago ([15:26]–[18:03]).
• Host forces Natalie to call her ex-husband live on air and tell him to stop paying her credit card ([24:36]), illustrating Hammer’s approach to enforcing accountability.
• Credit card use is almost entirely on non-essentials (“There wasn’t one necessity in there. No, not a singular necessity.” – Caleb, [21:20]).

4. Mental Health Struggles, Health, and Work Limitations

• Past depression led to job loss, pet hoarding, and destructive living situations ([03:03], [11:00]).
• Serious ongoing health issues: appendicitis, frequent illnesses, doctor recommends disability ([62:20]).
• Can only sustain about 25–30 hours/week of work ([63:08]); attempted disability, denied, yet persists in working part-time for mental health ([62:27], [69:35]).
• Justifies limited work and poor spending: “I am able to work more consistently because if I push myself too much, I get sick…” ([61:53]).

5. Attempts at Change vs. Entrenched Behaviors

• Repeatedly expresses self-awareness but fails to act: “I know everything that's been spent on this card was unnecessary, which is why it was spent on this card.” ([19:37])
• Host challenges her to break the cycle, “Do you want your kids back? Do you want to have a future?”—contrasts desires with actions ([19:49], [47:22]).
• Discusses moving away from cam work for her mental health ([07:29]).

6. Hammer’s Interventions and Advice

• Pushes Natalie to close high-fee, subprime credit cards ([30:03]), budget for the first time, and take his (free) budgeting/investing classes ([14:37]).
• Calls out “childish” behaviors: “You're just an adult. You're just a parent.” ([51:56])
• Emphasizes the urgency and simplicity of her turnaround if she takes action (“You could pay off your credit card in two seconds. This is the dumbest thing I've ever seen.” – Caleb, [71:09])
• Encourages pursual of better employment (Course Careers certification paid for by the show, suggestion of remote/customer service roles; [32:27], [64:16]).
• Practical breakdown of spending: “65% of your spending went to complete bull does not move your life forward in any way whatsoever.” ([48:32]–[49:39])
• Lays out a short-term plan: Use assistance, pay minimums, knock out credit card debt, save for reliable transportation ([68:48]).

7. Notable/Funny/Impactful Quotes & Key Timestamps

• “I am unable to get my own place, so... I live with my little brother right now.” – Natalie ([01:43])
• “So you didn't lose the house. ...You just got kicked out for being a tenant?” – Caleb ([03:51])
• “I was severely depressed. I stopped working and they had to sell it.” – Natalie ([03:03])
• “What is losing a house? Did you own a house?” – Caleb ([02:18])
• “Why is almost half of our money going into this under the mattress?” – Caleb ([09:57])
• “I just tend to see... there is… so many steps to purchasing something on UberEats.” – Caleb ([20:52])
• “You know what's great? Having a car. You know what's great? Not being supported by four people.” – Caleb ([44:13])
• “There are people dying and you're the one that's getting help. Someone who goes to Uber Eats once a day.” – Caleb ([54:05])
• "I don't know how to get into that industry. Every job that I've gotten, I've always... shown up and go, hi, how are you doing? I want this job." – Natalie ([64:20])
• “You just have to not be a child.” – Caleb ([71:09])
• "You're spending this, just being a child. You just need to work on your behavior. Just literally hold yourself accountable. ...Take over your payments." – Caleb ([71:20])

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IMPORTANT SEGMENTS & TIMESTAMPS

• Natalie’s backstory & former cam work: [00:04]–[07:29]
• Losing her home/dependence on family: [02:12]–[04:02]
• Kids’ situation & co-parenting: [05:38]–[06:11]
• Delving into debts: [15:26]–[19:49], [31:06]–[34:28], [40:20]
• Live call to ex-husband to cancel his bill payments: [24:36]
• Impulse control and spending habits: [17:38]–[21:20], [47:22]–[50:49]
• Breakdown of monthly spending: [48:32]–[49:39]
• Legos and other non-essentials: [41:19], [42:26]
• Budgeting advice and wrap-up: [68:48]–[71:20]

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FINAL TAKEAWAYS

This episode is a raw, unvarnished examination of how denial, impulsivity, and dependence can spiral into sustained financial chaos. Hammer’s approach is relentless—mixing humor, direct confrontation, and actionable advice. Natalie’s story serves as both a cautionary tale and a (potential) inflection point: her path to solvency is clear, swift, and attainable if she can finally break her own patterns.

For New Listeners:
Expect candid, sometimes uncomfortable dialogue peppered with sarcasm, hard truths, and real-time interventions. This episode is especially useful for anyone struggling with emotional spending, family dependency patterns, or the daunting climb out of debt and dysfunction.

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Note:

For the episode’s post show, further drama and insights—such as the boyfriend’s perspective on Natalie’s situation—are made available to paying members ([67:14]).

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. How long were you doing that?

[B]

The online?

[A]

Yeah.

[B]

On and off for 13 years.

[A]

When did you start?

[B]

When I was 18.

[A]

Oh, f me. Okay.

[B]

Before fans and all of that stuff started.

[A]

You did you do that too?

[B]

I did. I didn't.

[A]

Why? So much from the naughty, naughty daddy issues? So I'm confused. There are accounts in here with missed payments.

[B]

My ex husband actually pays that card for me monthly.

[A]

What about boyfriend? Boyfriend. How do you feel about your girlfriend getting paid?

[B]

Hi, my name is Natalie. I'm 33 years old. I'm from Chicago, Illinois. And this is Financial Audit.

[A]

Love Chicago. Hate the winter. What do you do up there for a living?

[B]

I am a bartender.

[A]

Okay. Bartender can be good, can be bad. Depends. How much do you make?

[B]

Not enough. I'm a daytime guy.

[A]

This is the bad version. Daytime? Yes. Because that is a great time to drink. Sure. So how much are you making?

[B]

I make. I make a decent hourly Because I am a daytime bartender, sometimes I leave with $4 in tips for a whole day.

[A]

What time does daytime start and end? As in your shift?

[B]

We open at 11 and I leave at 4.

[A]

Is it a literal bar?

[B]

It's a restaurant in a hotel.

[A]

How much are you bringing in? What's your hourly?

[B]

Fifteen an hour.

[A]

Okay. Chicago, as far as the major cities go, it's actually one of the cheaper ones by far when it comes to major cities. It just kind of works out like that. Decreasing population in the city, you know, just works. So how do you feel living on this 15 plus $4 a shift in Chicago?

[B]

Not well at all. I am unable to get my own place, so.

[A]

Well, who do you live with?

[B]

I live with my little brother right now.

[A]

Little brother? Is that your little brother?

[B]

Yeah.

[A]

That's a little.

[B]

That's. That's not my little boyfriend. Yes, boyfriend.

[A]

Okay. Okay. I don't ask people.

[B]

They are the same age though.

[A]

Okay. So living with your little brother, that's kind of interesting. Holds your little brother.

[B]

He's 28.

[A]

When did you move in with him?

[B]

About a year. Two years ago now. I just lost my house.

[A]

How? You lost your house?

[B]

Yeah.

[A]

What is losing a house? What do you mean lost house? Did you own a house?

[B]

My mom bought me a house to raise my children in.

[A]

Do you have children?

[B]

I do. I have three.

[A]

Hold on. Okay. What are the ages of the kids?

[B]

My oldest is.

[A]

Okay, sorry.

[B]

My oldest is 14, my middle kiddo is 11 and then my youngest is about to be 9.

[A]

Your mom bought you a House? What does that mean? What did that look like?

[B]

She bought a house in gas? No, not in cash.

[A]

So she had a loan?

[B]

Yes.

[A]

Okay, so there. Okay.

[B]

And I was to pay the mortgage and all the bills and whatever. I just didn't have the money to put up for mortgage.

[A]

What happened to the house?

[B]

It got destroyed. I was severely depressed. I stopped working and they had to sell it.

[A]

Is that being destroyed or is that being sold?

[B]

That's because. Well, I also was fostering animals that I wasn't able to keep up with.

[A]

What is happening? I'm this. Okay, I'm sorry. I want to start from a point because this is. Keeps going down insanity.

[B]

Yeah, it's bad.

[A]

There was a house?

[B]

Yes.

[A]

Mom financed it.

[B]

Yes.

[A]

You didn't pay on it and then she didn't pay on it?

[B]

No, she did. She. She was continually taking care of the mortgage.

[A]

Okay, then what do you mean you lost the house?

[B]

I wasn't able to keep up with.

[A]

She kicked you out of the house?

[B]

Yes.

[A]

So the house was not lost. She owns it. You just got kicked out for being a tenant?

[B]

Yes.

[A]

Okay, so you didn't lose the house. I. I understand what you're saying.

[B]

Okay.

[A]

It sounds a little different. Yeah, you make it sound like you lost the house. As in like a hurricane came in and took it away. Okay. Classic Chicago hurricanes. And you destroyed it by just like you just up the entire inside of the bunch of fosters.

[B]

Yeah, I had.

[A]

What is that, like a hundred dogs?

[B]

It was a couple of dogs that kept. They weren't being potty trained.

[A]

Okay, then you were a bad foster.

[B]

Yeah, well, I. Yeah, yeah, I was.

[A]

Guys, for just a few weeks only. Our brand new debt class is 35% off. And the first 500 people that sign up are gonna get access to a private live stream with me where I break down how got out of every single cent of bad debt I was in. I'll answer all your questions there as well. In this debt program, we don't just focus on paying down debt. I'll show you how to actually reduce the principal you owe. You'll also get seven powerful strategies to lower your debt, plus 10 tools to fast track your journey. This includes a custom debt calculator that shows you exactly how long it'll take to become debt free. But it's not like other debt programs where we're like, oh, don't get debt. Debt's all bad. I'll also teach you how to use debt to your advantage, because believe it or not, the wealthy use it as a Tool. And you can as well. I'll teach you the right frameworks for taking on debt. You'll get guides on refinancing, negotiating with lenders, and even raising money to tackle your debt head on. Check it out, guys. Limited time only. Link in the description below. Okay. You're not fostering still, are you?

[B]

No, no.

[A]

Good.

[B]

I don't have any pets anymore right now.

[A]

Probably. Good. But you have kids.

[B]

I do.

[A]

They're a little more demanding.

[B]

They do live with their dad right now due to the fact that I don't have.

[A]

Who is not boyfriend?

[B]

No.

[A]

Okay.

[B]

That's my answer.

[A]

Are they in Chicago?

[B]

Yes. Right down in a.

[A]

Did I Wait, did I see you were getting support for the kids though?

[B]

No.

[A]

Okay, good. I was gonna say they live with him.

[B]

No. Yeah. No.

[A]

How much came in through work?

[B]

I wasn't working at the time. I had.

[A]

Then why. Why did she get you in there? Because I having to pay rent if you weren't making money.

[B]

I was being stalked by my ex but boyfriend and she wanted to get me and my children.

[A]

Yeah, but she's requiring you to pay.

[B]

Yes, I was.

[A]

You didn't have a job?

[B]

I was doing work online.

[A]

So you were getting. You had a job.

[B]

It wasn't. It wasn't really like I was doing online work and that wasn't really a actual titty money. Yeah.

[A]

How much were we making?

[B]

Not enough. Maybe 600 every month or so.

[A]

What is online? Is that like cam girl stuff? Is that what we're talking?

[B]

Yeah.

[A]

Okay. 600amonth.

[B]

I didn't put a lot into it. I was very mentally ill at the time, so that didn't really help.

[A]

Different now.

[B]

My mental health? Yes. Yes. I've done a lot of work on that.

[A]

Okay. How long were you doing that?

[B]

The online? On and off for 13 years.

[A]

Well, when did you start?

[B]

When I was 18.

[A]

Oh me. Okay.

[B]

Before only. And all of that stuff started.

[A]

Did you do that too?

[B]

I did.

[A]

Why so much from the naughty naughty's why in that world? What compelled you to get to that world?

[B]

Daddy issues?

[A]

Actually. Or.

[B]

Actually. Yeah. No, that. That's actually. Yeah.

[A]

Okay. Are we still doing that? No, I was the last time booby.

[B]

Made penny over two and a half years ago.

[A]

Oh, okay. Awesome. Why'd you move away from it?

[B]

It was making my mental health even worse and I wanted to get better.

[A]

So I can make sense. Good. I'm glad you made that choice for yourself. Well, how much do you think came in now for work now? Yes. What came in in this last Month, ATM cash deposit. That can't all be tips because that doesn't line up with the math you were telling me earlier.

[B]

An average day is about $60, but I can get as low as 4, maybe.

[A]

So you make more from tips than you do from work?

[B]

It's actually very like, if I look at my paychecks, they also have my tip things or show my credit card tips, and it's very equal to that.

[A]

How much do you think came in?

[B]

I want to say a little under three grand.

[A]

That little was a lot because only a little came in. 1700 total 1,700.

[B]

But.

[A]

But atm cash deposit of 1134 and then remote online deposit of 636. Are we sure that was all cash tips, the atm? So you didn't get cash from anywhere else?

[B]

No, I only get cash.

[A]

So you are getting more into. Are you putting everything into the account?

[B]

No, I am saving for a car, and I am. I have to do that in a fake little ATM I have in my house, because if I see the money, I spend the money.

[A]

And you don't see it in your house, it's.

[B]

It's put away, like, off to the side.

[A]

Okay. Whoa. Okay. And that's it. How much do you put towards that a month?

[B]

I don't have a specified amount. I just put as much as I can. Little or less, I guess, depending on what's going on.

[A]

I'm just trying to figure out what actually comes in. Because if you said a little under 3,000, we're very far off. So are you saying you put $1200 away into this car fund?

[B]

Yes.

[A]

Really? I have 1,200.

[B]

Yes, I have. I took some out for this trip, but I have.

[A]

No, no, no, no, no, no, no, no, no, no. Oh, wait, so you're saying like, 40, 35 to 40% of your money is being put in this cash fund on the side?

[B]

My car did just break down, so, yes.

[A]

There's mispayments on here.

[B]

Yes.

[A]

So I'm confused. There are. There are accounts in here with missed payments?

[B]

Yes.

[A]

Why is almost half of our money going into this under the mattress?

[B]

Because I need a car.

[A]

How much is. You're in Chicago. One you actually don't. You're in one of the only cities where you don't, like. May as well take advantage of that. Like, out of three cities in the United States that you don't need a car, you're in it.

[B]

My. What do you call it? Commute for work is an hour each way, so.

[A]

Oh, socks. People have done that forever. You can survive. You're a human that exists. What's your shift length?

[B]

Six hours.

[A]

Oh. Oh, no.

[B]

Yeah.

[A]

Shut the up or get a job closer to you.

[B]

Yeah, Yeah.

[A]

I no longer care about that. So how much is in this car fund under the mattress?

[B]

1200 right now I had 1400.

[A]

When did you start saving for that?

[B]

About a month and a half ago.

[A]

Okay. That lines up so 3,000 normally comes in, and we literally just put that aside for the first time. Okay.

[B]

I haven't been able to work regularly for a while, though, due to my health. I missed a lot of the most past couple of months due to health issues.

[A]

What?

[B]

I had appendicitis for two weeks before they found out. So I was back and forth trying to get doctors to listen to me. And then after the surgery, finally I had another two weeks out for recovery. Yeah, that was fun. I did still go to work once with a active appendicitis, so, you know, I try.

[A]

Health insurance situation.

[B]

I'm on state.

[A]

Yeah. And does that cover it fully?

[B]

Yes. Thank God. Thanks.

[A]

Okay. What's your rent to your brother?

[B]

I'm supposed to pay 400amonth.

[A]

Okay. Supposed to pay. What's supposed to pay? Because I assume that means you're not.

[B]

No, I'm not.

[A]

So what, after stuffing 1200 under a mattress?

[B]

He wants. He wants me to get a car.

[A]

What do you need a car. What part of Chicago are you in?

[B]

More suburb.

[A]

Be like, how suburb? Yeah. Is there a train line near you?

[B]

No.

[A]

Get a closer job then. It's not like your job makes a ton of money.

[B]

The reason I stick with my job is because my boss is so amazing when it comes to my health and my children and things like that.

[A]

You can get. I. Yeah, you can get good bosses other places. I'm not saying abandon it for any job, but it doesn't mean we just never look for a job either. At the same time, we don't have to go into either of the extremes. I don't get you put your money sitting aside. So are you considering this investment for a car to make more money to pay off the debt?

[B]

Yes.

[A]

Is that your mindset?

[B]

Yes.

[A]

Because you're not doing anything in terms of paying your brother and paying for your rent.

[B]

Yeah, my brother.

[A]

Sorry. Paying for your rent and paying for your debt. Yeah, your debt.

[B]

So with my brother, the last car that I had, he actually bought me himself so that I could get a job. I paid him back for that completely, and then that car broke down. So I. He doesn't want to have to buy me my next car again. So I am trying my best to do that.

[A]

You've kind of been dependent on people for ever. Sounds like because you're well into adulthood and it's okay. Falling back on support systems and hard times, that's not a bad thing. It almost feels like you're more on dependency of family.

[B]

Yeah.

[A]

What about boyfriend?

[B]

I try really hard not to depend on.

[A]

How long have you guys been together?

[B]

A year and a half.

[A]

Okay. Any plans to live together?

[B]

Not yet. I was that. Well, I'm still legally married to my ex husband that I call him.

[A]

You guys can't live together though.

[B]

No, I just don't feel like that's. We, you know seem marriage as an important thing so we want to wait and make sure.

[A]

Yeah, marriage, sure. It's an important thing. But aren't you basically not married other than legally?

[B]

Yeah, yeah. But like I want to get. I want to get my finances straight before I bring somebody else into it.

[A]

Well, that doesn't happen by not paying your bills.

[B]

Yeah.

[A]

What would you give yourself score? 0 to 10. 0 being the worst finances ever. 10 being the best finances ever. A2 seems relatively honest. Could you explain? I think you're too.

[B]

Because I'm bad at impulse control which racks up that I don't really have a budget in general.

[A]

Why?

[B]

Just never has made sense. I keep trying. I keep trying different types of budgeting and things like that. I try writing it all down online. I search different things.

[A]

I this is why we put everything into one place. Go through the budgeting class. You get it for free because you're on the show. Go through the budgeting class. Go through the investing class class. Please take the quizzes. Take everything. It is hard when starting from scratch to like take little pieces from everywhere. So we wanted to put it all in one place. You guys can get it link in the description below. But yeah, please go through that. You can also get your Hammer Financial score down there. And if you want to be on the show go to caleb hammer.com apply two out of ten. Let's see, we have a capital one quicksilver. We'll start with $1,320.51 with a $36 minimum monthly payment. Not a crazy hard minimum payment. You don't even put the full minimum payment towards it. Oh, it looks like you did last time, but it doesn't even matter.

[B]

My ex husband actually pays that card for me monthly.

[A]

Why?

[B]

I have no idea.

[A]

Does he know he is or is it just set up on auto pay.

[B]

He. He's aware that it comes out of his.

[A]

How long have you guys not been together?

[B]

Four years.

[A]

So depending on another person, again, do you. Does he spend on it?

[B]

No, he actually opened that card in my name, though.

[A]

So he said, yeah. Against your permission or.

[B]

At the time I was not aware. But then I.

[A]

Okay, well, that's. But does he say, just go spend on it?

[B]

No. No.

[A]

Okay. Because there was $540. Yeah, then you spent $781.53. You more than doubled it. And guess what? What if he decides, you know what, Spent four years, she's just putting more money on it. Her. I'm not paying the minimum payment anymore. All of a sudden you are. How long does this take to pay off? Just paying the minimum payments?

[B]

A long time.

[A]

Yeah. How long?

[B]

I have no idea.

[A]

How long?

[B]

Years. Like, seven.

[A]

Pretty close. Eight. Eight years. Just your minimum payment. This accrued $23 and 2 cents of interest. It is on auto pay, by the way. How do you know he knows he's paying for this?

[B]

We've had to talk about it. And he told me to take him off, and I said, please. No. And he has.

[A]

That's totally. That's completely different than what you just told me. He asked to be off of it. Yeah, but you said, oh, no, please don't, Daddy.

[B]

Well, yeah, that's completely different than he.

[A]

Just pays for it and he knows.

[B]

Yeah.

[A]

What are you talking about? It's completely different.

[B]

Yeah, but I mean, if he's gonna pay for it, why would he pay for it?

[A]

He just asked not to. And you said, please.

[B]

Yeah, I paid a good portion.

[A]

No, no, no, no, no, no, no. Oh, it doesn't matter. You just went and doubled it and brought it up to the credit limit, so I don't care.

[B]

I messed up.

[A]

Why? Why?

[B]

Don't know.

[A]

You don't know?

[B]

I don't know why I doubled it because I did pay a good portion off and I was super pumped, and then I went, why? Spent it all.

[A]

Why? I don't know. Is that an answer? Why? What'd you do? Why? Where were you going? What did you do?

[B]

I bought a bunch of crap. I bought this dress. It looks really cute, but. Yeah, I don't.

[A]

I don't know how to get the dress. You didn't have a dress? There's no dresses?

[B]

No.

[A]

In your closet?

[B]

No, not at the time.

[A]

Okay. You don't need a dress. Wear a shirt. You can wear a shirt like a human. It's okay, I promise. So he wants to get off it. Are you gonna get him off of it?

[B]

I will eventually.

[A]

What's eventually? Why? He asked. He asked. Why are you saying no?

[B]

Me to take him off of my. He was paying for my phone and auto insurance.

[A]

Why?

[B]

Well, and I took it. I got my own phone.

[A]

You've been separated four years and he takes care of the kids 100%.

[B]

Yeah.

[A]

Why do you think he should be paying for anything?

[B]

My. I don't know. My mom said I should get alimony and I didn't think it was worth it.

[A]

He's taking care of all the kids.

[B]

That's what I said. That's why I didn't ever want alimony. Yeah. It's because I was. What is it called? You're used to a way of living.

[A]

In the divorce, in the assets and everything that are. Well, obviously there's nothing that you could split, but. Does he have anything in a divorce?

[B]

No, we've completely split everything within the four years. He's just helping me.

[A]

Because you don't have anything to your name.

[B]

Yeah.

[A]

So what was split like?

[B]

We split our finances.

[A]

Boyfriend. How do you feel about your girlfriend getting paid by the ex husband? I'm trying to help her with that stuff. Trying to help you with that stuff. I don't know what that means, cuz obviously it's not make. It's. There's no help being. So take him off. He wants to be off.

[B]

Yeah. Yeah.

[A]

I'm putting this in your minimum payment when it comes to getting off.

[B]

Okay. Yeah, no, I'm. I want to do better. I want to. It's kind of thing to do, I guess. Yeah.

[A]

Your boyfriend pays for your cards? My producers use my money to pay for crayons.

[B]

Oh, no.

[A]

I would like you to.

[B]

No, Jacob.

[A]

To mark next to everything. Every purchase here. That is a bull. A bull. Interesting. Interesting.

[B]

Hmm.

[A]

Are you even looking at the purchases?

[B]

No. I know everything that's been spent on this card was unnecessary, which is why it was spent on this card.

[A]

The question becomes why the. Because you know it.

[B]

Yeah.

[A]

And that's where it pisses me off more than anything. You know it. If you know it, then what are we doing? Why would you do that to yourself? Do you want your kids back? Do you want to have a future with Mr. Man over there? Do you want to move out of your brother's house? Do you want to not be dependent on people? You say, yeah. Your actions don't say, yeah, yeah. No, no.

[B]

It's just really bad impulse control. I haven't been able to figure out yet.

[A]

Figure out? What is figure out? What do you mean? Walk me through an impulse for you.

[B]

Well, like I was saying earlier with our discussion, I worked a lot on my mental health and one whatnot.

[A]

Yeah. A while ago.

[B]

Yeah.

[A]

And like we're talking about last month.

[B]

And this is one of the things that I have not been able to get better at. I just, I tend to see there is.

[A]

There are so many steps to purchasing something on UberEats. So many steps.

[B]

I'm gonna be real with you. That's out of laziness.

[A]

Okay, then it's not impulse, it's you being a lazy.

[B]

Yeah, that one.

[A]

And Uber eats out of Chicago Walk. When you said it's in the suburb, it's.

[B]

That one's definite. But like. Okay, so we have a lot of Temu things. One of the things that I did was get a bunch of stuff to do. Nails. I did my own nails.

[A]

They don't look good, but they're a little Halloweeny.

[B]

Well, yeah, because it's September.

[A]

But Steam game Impulse. We had to impulse buy three Steam games. Okay, that makes sense. UberEats, Uber Eats. Teemu, Temu, Temu. I can see Impulse and Teemo. Where there's other stuff. The Steam. Maybe one, but you went and just kept doing it. Uber eats Amazon. I can see impulsing Amazon. Teemu, UberEats, UberEats, UberEATS, UberEats. TEU. $781 of full bull. There wasn't one necessity in there. No, not a singular necessity. Okay. That is deeply suburbia. So I will give you that. I will concede that when you say Chicago. I would not consider that Chicago. What does the future hold for your business? Ask nine experts and you'll probably end up with 10 different answers. Bull market bear, market inflation soaring. Who knows at this point? If only someone could hand us a crystal ball. Until then, Netsuite by Oracle has been the go to for over 40,000 businesses to future proof themselves. It's the number one cloud ERP that combines accounting, financials, inventory and HR all into one seamless platform. With NetSuite, you've got one place for everything. A single source of truth that gives you total visibility and control. Real time data and forecasting right at your fingertips. So you can make smarter decisions faster. And instead of wasting weeks closing the books, you'll wrap it up in days, freeing up time to focus on what's coming next, not what's behind you. Your mistakes. Lower costs and more time to grow your business. Whether your business is bringing in Millions or even hundreds of millions. NetSuite equips you to tackle urgent challenges and capitalize on your biggest opportunities. Take the leap and Download the free CFO guide to AI and machine learning and netsuite.com/hammer. That's netsuite.com/hammer. And thanks to NetSuite for sponsoring today's video. Now let's get back to it.

[B]

Yeah.

[A]

So yeah, a car probably is actually a pretty important part of this conversation. So we need to navigate that. But do you get a car by three Steam games, a million Uber Eats and Teemu. And some fake nails.

[B]

No, no. The fake nails though. Okay. As a bartender, you need to look pretty. You need to feel good. You need.

[A]

So you can make your $4 a shift.

[B]

Yeah, yeah, yeah.

[A]

It's working.

[B]

Yeah. Yeah, it is. Yeah.

[A]

Yeah.

[B]

I like feeling pretty.

[A]

I want you to as well. And usually in a budget, we put a TP fund in there and that can be put in that. The thing is you just don't have any management of where it's going. You're just get, get, get, get, get, get, get, get, get, get, get. And we don't get pretty on UberEats. Trust me.

[B]

Yeah, I feel that as well.

[A]

So, like we can do things in a proper way. You're not. No, just team mooing around. Get him off the card. Yeah, I might give him a call. Let's. We're gonna call him. Call him, call him. I don't want him off the card. I want him off the card now. I think it's time for Miss 33 Year Old to act. 33. You. You know, extra damage.

[B]

Hold on.

[A]

Hello. How you doing?

[B]

Good.

[A]

How are you? Good. My name is Caleb Hammer. I am talking to your ex wife about her finances. Can you please stop paying the Capital One Quicksilver card? Okay. Thank you. Because she needs to actually take some responsibility for the first time in her life.

[B]

All right.

[A]

All right. Love you, buddy. Have a good day. Cool. Now it's yours. Welcome to the real world. Consequences actions.

[B]

Yeah.

[A]

Oh, good. Credit one. We know we're in a great financial position when we have a credit one. It's the bottom of the barrel of all credit cards.

[B]

Yes.

[A]

Essentially this is because you get fees for. And there's a late fee on here anyway. There's a late fee. Oh, we're stuffing cash in a mattress yet we're having. Yeah, that's funny.

[B]

That wasn't. Was there a late fee this past.

[A]

Where it says late fee. Oh, and $22 and 50 cents. 56 cents.

[B]

I didn't.

[A]

Of the fee.

[B]

I didn't know it was late.

[A]

Well, it happened because I don't like.

[B]

Putting the money in my. Okay. Under my mattress. But you do when I have stuff coming up because I don't want. Yeah. I didn't. I didn't realize I did that. I should probably keep a better eye on things.

[A]

Probably just turn on automatic payments.

[B]

That is a new card. So I didn't.

[A]

You just opened credit one. You just opened Credit one?

[B]

Yes.

[A]

For what? So you could do Temu. Nintendo Temu. Apple Bill. Apple Bill. Apple Bill. Apple belt. What are these apples? What are you getting? What are the in app things you're getting? You're getting something. Are you getting subscriptions for.

[B]

What are we doing? That I think was for Pokemon Go. I.

[A]

Okay. We're a few years, like, behind schedule on Earth, apparently.

[B]

Yeah. I mean, I. I really like Pokemon. I have a Pikachu tattoo. I. Yeah.

[A]

Pokemon Go to the bank and put your in the account. Okay.

[B]

Yeah.

[A]

What do you get for spending on Pokemon Go? I asked someone this the other a few episodes ago and I honestly forgot. What do you get?

[B]

So I use it for remote Raid passes. So when people in other countries are doing raids to get. We battle the Pokemon. I don't have to physically.

[A]

You already live in the best country. We don't need to prove it on Pokemon. Okay.

[B]

Yeah.

[A]

Okay. Yeah. $276 of purchases. Are you kidding me? And then fees and then $6.75 of interest. Oh, oh, oh. Your balance is a above the credit limit. So you're probably going to get above the credit limit fee this next month anyway. Oh, what's.

[B]

Oh, I didn't know that.

[A]

Do you know anything? No offense.

[B]

No, I don't really. Like.

[A]

Apparently not. You can't have access to credit cards. You're not a credit card person. You don't want to manage debt. You don't know how to manage debt.

[B]

Yeah. I was in charge of our finances. My marriage.

[A]

Oh. This is why when you guys separated, there was nothing to take from each side.

[B]

But you know when you get married at 19 and nobody teaches you anything? How am I supposed to.

[A]

Nobody knows anything in 19. Welcome to the world. Like fair. It's okay. Boohoo. You're never gonna get anywhere if the excuse for life is. It's not fair. Nothing's fair. We're just little creatures crawling around on this rock. This isn't a thing of fairness. We're surviving. You're not gonna do anything with fair.

[B]

I guess.

[A]

Doesn't feel good. I'm sorry though.

[B]

No.

[A]

This isn't a feel good place.

[B]

Yeah.

[A]

This is a place where you can actually take responsibility and get your taken care of. Actually change your life and make your life better.

[B]

Yeah.

[A]

Mm. But instead we'd be over. We'd rather have a nice little sparkles right here instead of being under a credit limit on a credit one brand new card that is not being paid on time.

[B]

Yeah.

[A]

Uh huh. Priorities good. While relying on brother and boyfriend and mama. Oh. And X. Yeah. Great. So minimum payment capacity was 22.56. So that's what's usually going to be. Oh, you'll double that. Of course right now because you didn't pay. What's wrong with an auto pay for you 22? I know you can have that on auto pay.

[B]

Yeah. I honestly just never. I haven't set it up yet. I prefer my things on auto pay.

[A]

Then why haven't you set it up? It's like the first thing to do.

[B]

Because I literally.

[A]

I do it the day I open a credit card.

[B]

I honestly forgot. I.

[A]

You can't forget.

[B]

No, that's.

[A]

I mean this is. Okay. I mean I don't. You can't forget. Oh good. Are you actually kidding me? Wait, you said this was new. What's new? What is new?

[B]

Like a couple months.

[A]

In what world? 22.56 of late fees this last month. Right. Can we agree on that?

[B]

Yeah.

[A]

You paid this year so far on here in fees, $129.98. Have you ever made a payment and that's been above balances and that's their stupid fees. What have you done? Because that's what paid it off. That's like times five. That's like times five. Paid it off twice.

[B]

Yeah.

[A]

Close this card. You cannot have this card. Close this card. Close it.

[B]

I'm not smart getting it. Paying it off.

[A]

Credit one card.

[B]

I don't know.

[A]

I just want to be very clear. For anyone watching out there and for you and any future life that you are living, credit one. Any credit card that shows up in the mail. It's predatory as it is. Fees upon fees upon fees upon fees for anything.

[B]

Yeah, anything.

[A]

This one you deserved because you didn't pay it.

[B]

Yeah, that one. Yeah, but I did.

[A]

This is endless it off. You need to use a charge card where you put the money on that you can spend like the fizz card. That's all you can have. You cannot have access to other people's money until you have a proven record of discipline. You do Not. You're on the very opposite side of that thing. Do you have any school? Because we need to increase your income. What have you. What's your resume like over the past 33 years? Where. If we worked, what are we doing? There's nothing wrong with $15 an hour. Do not get me wrong. Not at all. But at 33, we want to start making a bit more progress in the pay scale. What have we done?

[B]

I was a stay at home mom for seven years. Okay.

[A]

Yeah, not the most lucrative.

[B]

No. I was a lunch lady. I was an assistant manager at a store. Okay.

[A]

How much are we making? That.

[B]

Not as much as I do now. I am really assistant manager.

[A]

Okay. What about at lunch?

[B]

Oh, God. I was like. That was a while ago.

[A]

And Chicago schools don't have.

[B]

No, I made maybe $8 an hour.

[A]

Oh, man.

[B]

And then I worked at a gas station and I was a shift lead there, and that was.

[A]

Shift lead. How much were we making?

[B]

Like 16.

[A]

Okay. So we're. Well, but you and tips, you probably make.

[B]

Yeah, it. I make about. I want to say.

[A]

So it's always been service. Yeah, it's always been. And again, there is nothing wrong with service. And there actually are careers there. But you've kind of just stayed level. You haven't. We haven't really progressed anywhere. Like, I would want you to start getting to like an area manager type position of something of thing. Like, we'd be grinding away hoping to get that in our 30s, 40s, you know, whatever. Okay. I want you to go to course careers in our description. You go that go through their quiz, their little answer, all the questions that leads you to probably the best certification for you to take to boost your resume to try to find a better job. And we'll pay for it. Okay.

[B]

Okay.

[A]

It's another bonus of coming on the show, so make sure you do that. Okay. We need to get you above 15 an hour.

[B]

Yeah.

[A]

Need to. Yikes. Okay. Apple bill.

[B]

Yeah.

[A]

What did you get?

[B]

I honestly don't know. I don't know what comes off of that. I don't know anything. I did pay a portion of it off, though, because.

[A]

Does that matter? You did that for the first card and then you doubled it and pushed it to its limit. So I don't know.

[B]

They lowered my. My thing. So it used to be 100.

[A]

Your limit.

[B]

Yeah, my limit. So it used to be 1500. I paid it off and then they lowered it to 700, I think.

[A]

Well, 680, 52. So you're maxed.

[B]

I did, yeah.

[A]

Yeah, well, that's probably why. Because you kept maxing it $25, and I just put the new iPhone on mine, but I paid it the same day, 5% cash back. I love it. Credit cards can be a great tool. You're not a credit card person. Yeah, well, no spending. But you only paid a minimum payment.

[B]

Okay, yeah, I am. I'm trying.

[A]

And just not with all of that 27.24% interest. Okay. And with the rate cuts, these are gonna go down a little bit. It's not gonna make or break your life, is the thing, because they're already so substantially high. Wait, so you're trying to get a car now, but you know you have a charged off auto loan. Yeah, but you're trying to get a car now, but we've lost the car.

[B]

No, that was my first when I was. I bought myself a Jeep back in the day when I was getting the house.

[A]

What's back in the day? Because the last payment was made only two years ago.

[B]

Yeah, it was.

[A]

So that's not what I would define as back in the day.

[B]

So back in 2021, I bought myself a Jeep Wrangler.

[A]

April. Yep.

[B]

And that's also when I moved into the house that my mom got me. And then I was unable to work and everything. It got repoed. Everything fell apart.

[A]

I'm so confused. Why would she. She pushed you to get into the house, and for a good reason. There are some stalker y things you said.

[B]

Yeah.

[A]

Who's talking to you?

[B]

My ex boyfriend.

[A]

Oh, so another guy?

[B]

Yes.

[A]

Okay. She knew you weren't making anything. Why did she require rent right away? My ex husband, after pushing you to.

[B]

Get in there, also moved in with us. We lived together, but separately. Like, we had sections of, like, our own rooms and stuff. And we were just trying to live like a family for the kids.

[A]

Living financially smart.

[B]

No.

[A]

Okay, well, like, what did life look like at that point? You and your spending and your existing. While owing 1500 on rent.

[B]

I immediately bought my daughter a trampoline.

[A]

What does the trampoline cost?

[B]

Like, over $500.

[A]

Okay.

[B]

I bought a bunch of Halloween decorations for our house because we moved in September, and I really like Halloween.

[A]

Yeah, the nails just.

[B]

Yeah. Yeah. I spent a lot of money on kitchen necessities and things like that because we didn't. Didn't have any of that. But it did all go on a charged off now Target card. Before I moved into the house and got the Jeep, I bought a $6,000 Rottweiler. And a couple of days before I got my Jeep.

[A]

I thought those were like pound dogs. Are they not?

[B]

No, I, I always.

[A]

I'm a big $6,000, I'm a big.

[B]

Adopt don't shop kind of person but.

[A]

So you shopped for $6,000? Yeah, but I couldn't afford $1,500 rent.

[B]

Yeah, that was during the stalking situation. So I was scared and I wanted.

[A]

Some security and would he have the dog, the pup, the girl?

[B]

Yeah, yeah.

[A]

She would have defended you. Think?

[B]

Well, the fact that I was stealing.

[A]

Went back to the Rottweiler.

[B]

I found a good home for her.

[A]

You rehomed?

[B]

Yeah.

[A]

I spent 6,000 hours and then rehomed?

[B]

Yes.

[A]

So 6,000 hours gone?

[B]

Yes.

[A]

How'd you spend 6,000 hours? Did you have the money at the time?

[B]

I did but my. Well I was going to put her on finance her but it. I had just paid all of my credit debt off so it hadn't hit my credit card.

[A]

This keeps happening over and over and over and over again.

[B]

My ex husband put it her in his name.

[A]

You haven't fixed any of the behavior. You're the person that gets fat as and then goes on an extreme cut and then doesn't fix any of your overall behavior that was actually bad in the first place. And then you got fat as. Talking about myself so that without fixing the problem, this, these short temporary huge sacrifices to get out of the debt. It doesn't help you because then you just go and you just continue your normal behavior.

[B]

Yeah.

[A]

You still owe 8,320 for this?

[B]

Yes. For my jeep? Yes.

[A]

Was it repoed?

[B]

Yes. I actually called them and told them to come pick it up so they didn't have to repo it because I.

[A]

Didn'T want like voluntary. Okay.

[B]

Yeah. But yeah, they took it.

[A]

How much Was your payment?

[B]

600Amonth.

[A]

Oh yeah. I'm glad you don't have a car loan now.

[B]

That's what I'm trying to do is not get a loan.

[A]

Oh, okay. Thought you're about to say something.

[B]

Oh no, no. I'm trying to save up so I can get a car outright instead of getting another loan.

[A]

Are you on a payment plan with them or is this just sitting?

[B]

That's just sitting.

[A]

8320. What is this? Medical?

[B]

Those are from.

[A]

It's open so it's not in collections. Those are 740.

[B]

All the medical things are from when my daughter broke her arm. And she wasn't under my insurance, she was under her dad's.

[A]

Why is this on your credit then?

[B]

I Don't know. I really don't.

[A]

Well, have you guys called and talked to the hospital?

[B]

I've tried to. I don't.

[A]

What do you mean you tried to. What does that look like?

[B]

I don't know who to call. I've.

[A]

The hospital. And then have them direct you.

[B]

Well, I didn't also, I didn't have the insurance that I have for them now at the time.

[A]

Yeah, but you're saying. Did you take the kid or did he.

[B]

He did.

[A]

So again, this doesn't make sense. If. If she was on his health insurance and he took her, why is this on your credit?

[B]

I have no idea. But he does everything else for them, so I figure I'd just take that.

[A]

Okay, take it. But you're not paying.

[B]

No, I can't. But I mean, I figured.

[A]

What are we doing then? Is this okay? So it's more medical, isn't it?

[B]

Yeah. There's a couple you can get on.

[A]

Payment plans though, and they can depending on the place. But most of them, you know, are willing to really cater it to your situation because they just want to get paid.

[B]

Yeah, I. I've read. I've done a lot of research and none of it really.

[A]

No action.

[B]

It's just kind of all. Yeah.

[A]

Call, have a conversation. Okay, so it's not like these. These aren't like an external collections agency where they're just like soulless. Like, these are people. They are willing to work with you in a lot of instances. This is more medical. Okay, so stop breaking her arm. Unical3. $571. Okay. What is this? Oh, eight. Oh, student loans. Oh, so you did go to school.

[B]

For a little bit. Yeah.

[A]

How much of student loans do we have?

[B]

Because A lot.

[A]

Okay. How much in student loans do we have?

[B]

9,000.

[A]

Okay. You'd be surprised. But that's not the number, I think, when you say a lot. Because people borrow student loan debt up to their eyeballs in this country. So what's the situation with these?

[B]

Currently, I've just kind of got them on hold.

[A]

Permit.

[B]

Yeah.

[A]

Not even on income based. At least income base. You're like, things would be going towards the payment that, aren't they? Oh, wait, but a lot of income based repayment things are on hold right now automatically because of court challenges. Is that what it is? Or did you request a deferment?

[B]

I. I did the income base and they put me on deferment.

[A]

That makes more sense. Yep. 9435. A target card. That's the one who stopped paying this in last Year.

[B]

Yeah, that one's the one that I spent all the money on for my new house that I don't have anymore.

[A]

Oh, yeah. Huh. And yeah, my new house that I don't have anymore. Where'd the furniture go?

[B]

It was thrown away.

[A]

Why?

[B]

That was old furniture and falling apart. My mom didn't want to deal with it.

[A]

But you bought a new a couple years ago.

[B]

Yeah, but I did. You know, when I bought most of that Target card, not only with the house stuff, I got a lot of Harry Potter Legos to set up on shelves around my house. And that was a lot of it, actually.

[A]

The are you talking about?

[B]

Okay, so those are either.

[A]

Well, otech.s is more important than paying rent. Going into the wizarding world. Sure. Why didn't you sell that stuff? People love Legos. Jake's obsessed. He like his Legos every day when he walks into work. That was inappropriate.

[B]

I kept them all in boxes. I have a storage unit and they're all torn apart. And I plan one day to figure out.

[A]

So you didn't throw it all away. So a lot of the spending. You still have the. How much. How much have you spent on Legos?

[B]

I want to say close to eight grand.

[A]

Over how long?

[B]

Four years.

[A]

What? All right, guys, I get it. You need more financial audit. So we've decided now in our membership below, you get two exclusives. See nowhere else. Uncensored financial audits every single month. Oh, good. No way. Your couch hopping places I like stay.

[B]

At for the job.

[A]

You're relying on bookings for a place to live.

[B]

Yeah.

[A]

Also three post shows a week for every financial audit you're seeing right here on YouTube. In the post show, we have an extra 20 minutes for every single episode where we go into more drama that we didn't uncover in the original episode. We can't find you on Facebook. Did you block me on Facebook? No. No way. And then included in the membership, every Tuesday, we have a member live stream. Stream where you come in, you hang out with us, we answer your questions, and the whole crew gets together. We play games, we mess around, and we chat with you. I have a pair of salmon shorts on that desk ready to change into right after this. So you dress like for the first time when you go on a date party. Then there's always extra bonus things, like, for example, an office tour. The team grew. We had to eat out of here now. So this was going to be the fun area. Now it's not. We upload hours and hours and hours of extra content just for You. And it helps support the growth of this channel and the growth of this business. Join the membership link in the description below. $2,000 a year and you can't pay bills. You have things repoed you're not paying.

[B]

Okay, but have you seen the Hogwarts one?

[A]

It's like this big and it's great.

[B]

Great.

[A]

You can open things, you know, it's great having a car. You know, it's great having them not being supported by four people in our lives and having to constantly take from them just to survive. Maybe being able to see your own kids. Yeah. You know the ones that would play with the Legos a bit more.

[B]

I see them all the time. I just don't live with them.

[A]

Yeah. Don't you want to at some point?

[B]

Yes, I.

[A]

That's actually, yeah, I prefer them over Hogwarts.

[B]

Yeah.

[A]

Dumbledore's dead. Haven't you heard? How much can you sell it all for?

[B]

Do you know, I did look through ways to sell it and it wasn't.

[A]

It was more like unopened boxes.

[B]

Exactly. It was like less than a third opened. I have maybe two left.

[A]

Sell whatever you can, please, for sake. I don't give a. Any Hogwarts.

[B]

Yeah, you haven't.

[A]

You're. You're this. Have another Target card. Is this in collections now?

[B]

Oh, that's written off as bad credit as far as I understand.

[A]

Huh.

[B]

Yeah, I don't know. That's what my credit karma thing. There you go. That's what It's.

[A]

Yeah, that's $5,924 of those. Okay, great. Okay, so the people you're leaning on, you owe debt to as well.

[B]

Yes.

[A]

You have debt everywhere. Under every crevice.

[B]

Yes.

[A]

So what do you owe? $3,870 to your mom.

[B]

That's back pay for the mortgage that I did not pay when I was living in.

[A]

What's the status of that house now?

[B]

They sold it.

[A]

Oh, really?

[B]

Okay.

[A]

Did they make their. Did they make a profit? Why'd they sell it?

[B]

They just didn't want to deal with it anymore. It wasn't worth.

[A]

It's fair enough. Have you paid anything towards this or is this balanced to sat.

[B]

Oh, I've. I've paid most of it off.

[A]

So what was it?

[B]

It was originally, I want to say, 9,000.

[A]

And why are you prioritizing this over things that hit your credit and being able to have a car and keep your card not getting repoed?

[B]

It was not only me who was paying it off. It was also my ex Husband.

[A]

So how much have you actually paid off and not the person who has money and uses it responsibly?

[B]

About 3,000.

[A]

And your brother? Why, in what world do you owe 6,800? Oh, is that back rent?

[B]

Yes.

[A]

Would you say Your rent was 400?

[B]

Yes.

[A]

Hold on. But I mean, that's.

[B]

I also add more in my head because he pays for things like 17 months. 17.

[A]

No, no. What do you actually owe him? Not what's in your head. I don't give a. About your head. What do you owe him?

[B]

Yeah, that, that. That's what I owe him.

[A]

Oh, okay. Do you have a minimum monthly.

[B]

No, I. He.

[A]

Do you have a minimum to leave your mom?

[B]

No.

[A]

It's the owner's place.

[B]

Yes.

[A]

And he just rents out a place. Okay. Oh, this checking account is riddled with insane spending. Insane spending. I don't know how you think you're allowed to spend like this when you literally just won't pay your minimum monthly payment of 20 something dollars. That's one of your Uber eats. One of your Uber eats.

[B]

Yeah.

[A]

Which just brings me back to the point where it's like, okay, if you had nothing in life, nothing at all, like, okay, fine, this is just what you're doing. But you want to be a mom to your kids again, you want that and I want that. But you clearly prefer UberEats over that. You know, subconscious or external, you are. That is what you're demonstrating through your actions. It's kind of gross in a way. Bull. Okay, we already talked about how much came in. How much do you think was spent again? 1700 came in. How much was spent?

[B]

2000. Like 2300.

[A]

You're so close to a couple of the numbers that we talked about here. 2,400.

[B]

Yeah, I have a general idea.

[A]

General idea. Then why the. Because again, that pisses me off even more. It really does. Anytime that happens. If you said, you know, 1200, I'd be like, oh, silly goose, let's correct it. That would have been a little meaner. But okay. But you know how much you spend. You know that you spend more, so why would you.

[B]

Then having a general idea of it. I don't. It's like being self aware of knowing the issue but not knowing where to go from there. I have a general idea. I just don't spend.

[A]

Yeah, spending, which was a lot more than you brought in. Still, of that entire 100% of your spending pie chart, 30% literally went to fast food bull and then miscellaneous bull. Subscriptions. Video games are not subscriptions. But video games and other. Just bull. Pokemon Go. 40% of your spending. So combine that with the fast food, plus your subscriptions, which was just about 4%. 60. Like, 65. 65% of your spending, of which was almost a thousand hours more than you brought in, 65% went to complete bull does not move your life forward in any way whatsoever. Groceries. Apparently we don't eat any kind of groceries. Because 1.8% of your spending was groceries. I have 1.8.

[B]

Yeah, that's because I have the financial aid. Like, I have an EBT card.

[A]

Oh, okay. Wow. So you have that, and yet you see. Okay. I'm okay Supporting people that are down on the luck. I am okay with that. If there is tax money that I am giving, I want it to support people.

[B]

I have started making.

[A]

But you literally went out and spent basically $800 on Uber Eats, and that disgusts me. Come on. That's gross.

[B]

Yeah.

[A]

And then all 2000 hours of Legos a year off.

[B]

That was.

[A]

Why are you allowed to get help? If you are choosing to spend all your money that could have been groceries on literal toys. Help people that cannot survive. 100%. Help them get on their feet. 100%. You are spending everything on Pokemon Go, Steam games, fast food, and Legos.

[B]

So.

[A]

That'S gross. That's gross.

[B]

I do. Yeah.

[A]

Oh, my. Started with negative $149 in our checking account. How does this get worse? How does this continue? Who.

[B]

So I did the problems.

[A]

It.

[B]

I. Yeah, it is with the.

[A]

Are you aware of all this? Yeah, he knows.

[B]

I open. I'm open with everything because I do want to get better.

[A]

Want to get better. But you would not put no actions behind it. It's like. It's like going to therapy without doing any actions. That's nothing.

[B]

But I. I'm literally just a girl. Like some of.

[A]

Oh, shut the up. I will burn this table. I'm literally just a girl. Shut the up. What Is literally just a girl? What are you trying to tell me that women are like or something? No, that's not how it works. You think because. Why you think you're stupid sometimes? Yeah, but because you're a. What are you talking about? I'm just a girl.

[B]

I'm just as.

[A]

Shut the up. Act like an adult. You're just an adult. You're just a parent.

[B]

I don't want to be an adult doll.

[A]

Oh, okay. All right. Clearly not, because. Fandango. Smoke shop. Yeah, let's get lung cancer before we get our kids back. Pokemon Go. Hbo. Grubhub. Mixing it up. Uber Eats. Back to the classic Albert. Genius. Stopping at a gas station, getting some Netflix to scarf our Uber Eats down with. And Uber eats and UberEats. And Uber eats. Wow. Do you Uber eats two meals a day? Cuz it's starting to almost add up like that.

[B]

No, I.

[A]

More Uber Eats. More Uber Eats than Hulu.

[B]

I don't. I. I try to do it where I can get two to three meals out of each.

[A]

Buddy, with these Uber Eats charges, they're at least one day. Once a day. So far. It's. It. It's pretty damn close. Oh, you're damn right that you don't want to be an adult. This is. That's the most honest thing you've said. We had an overdraft fee of $34, but you chose to Uber Eats an overdraft fee of $34 again. And you chose to Uber Eats.

[B]

And.

[A]

Other overdraft fee of $34. And you chose to Uber Eats. And would we be shocked if there was an other overdraft fee of $34. And yet we chose Uber Eats. What is. How. How have you made it this far? You started the month with negative. You overdrafted four times. And we're going to Uber Eats every day and we have to pay to be more competitive in Pokemon Go. How would you be competitive in life and not the bottom of the barrel of humanity?

[B]

Yeah. Yeah, that's.

[A]

And you're the one that's getting help. There are people dying and you're the one that's getting help. Someone who goes to Uber Eats once a day. Oh, more Apple. There's more Pokemon. That's great. Wonderful. Oh, more Pokemon Go McDonald's. Blue wooden.

[B]

I don't even know what that is.

[A]

Oh, good. Yeah. Why would we need to know where any money is going when we have none? Books a million more. Timu. We're back doordash. Really? Wow. Getting every delivery service. My producer couldn't even figure out what blue wooden lind is.

[B]

I tried to Google it to figure out so I could cancel it. I have no idea.

[A]

It's a subscription.

[B]

I have no idea.

[A]

Say, reoccurring.

[B]

Oh, then maybe it's not. I don't know.

[A]

Oh, I don't know.

[B]

I don't either.

[A]

The only thing he could find was a ski resort. No, I'm just thinking this money. Literally just the 34. 34. 34. 34. 136. 136. You throw that in an investing platform like moomoo. Buy the S P500 every month. The overdraft fees you get. Throw that in, let it compound every month and you could retire with tens of thousands, low hundreds of thousands of dollars and just letting it compound more than that, actually. But instead you just allow that to all go to the bank. Because he wanted it. Greats. I'm just incredible.

[B]

So used to not thinking about things, even retirement in general. Like, I can't think about that because I am a bartender. So like, it's not like what, what are you saying?

[A]

No bartender has retirement. No, they can't think about it because they have to pour drinks or because.

[B]

You'Re just a get like 401ks with our jobs or whatever.

[A]

Is that the only thing that exists in the world of retirement?

[B]

I have no idea. I know nothing about it. Just.

[A]

That's fair. We could Open a Roth IRA. $6,500 a year is the limit right now. So that is $6,500 that you could put in on a yearly basis. Okay. Or just over 500 bucks. What is it, like 550? Something like that? I don't know. 600, whatever. Either way. Okay. Well, now I feel stupid for not knowing. 546. 542. Okay. Yeah, that. And then that you, you invest that properly. We could even get you to sit down with a financial advisor at Domain Money. We work with them, they're really cool. We can connect our guests with that and then they can get you properly invested for something that fits your situation. And then there are retirement choices without having a 401k.

[B]

Yeah, that's all I've ever heard about with.

[A]

And also you could just literally be buying like into low cost index funds in just an individual brokerage. There's.

[B]

Yeah.

[A]

I, I take it you do not have a retirement account.

[B]

No.

[A]

Well, that's not what we're going to focus on right now because we got to get you out of debt first.

[B]

Yeah, yeah.

[A]

Increase your income, get your own place, get your kids back and then we can think about return. Oh, my fees this period. We already talked 136 this year so far. $646. So you overdraft every month?

[B]

Yeah.

[A]

You overdraft every month?

[B]

Yeah.

[A]

900 from EBT that she could spend on groceries. And I try to help her be the most cost effective she can with the groceries. Wait, $900 a month.

[B]

That starts this month.

[A]

How much was it before seven?

[B]

That's a ton of groceries I've been starting. Ton.

[A]

I could have got you on $300 of groceries. A month with, you know, pretty aggressive meal prepping.

[B]

Well, I get $700. I've never cooked before either, so I've been teaching myself how to cook with my children and learning how to do that.

[A]

YouTube, cookbooks, Instant Pots, ramen. Easiest things in the world. Hot pockets with that kind of budget. Pre prepared meals at that point. With that kind of budget?

[B]

Yeah.

[A]

Frozen dinners with that kind of budget. Not a single of your penny of your own money should be going to food. Why don't you qualify for that? Because of the kids. You're able to claim them as dependents.

[B]

Even though I do have them a good portion of the time. They just don't go to school where.

[A]

I live or stay with you.

[B]

They do most like when I'm not working and stuff. They'll stay for weeks on end and stuff.

[A]

Oh, at your brother's place?

[B]

Yeah.

[A]

Why'd you say they 100 live with him then?

[B]

Well, because they don't have rooms there or whatever. They just stay on the couch, so I can't.

[A]

At your place?

[B]

Yeah.

[A]

His place, though. They have rooms?

[B]

Yeah.

[A]

How? All three of them just on the couch at your place?

[B]

Yeah.

[A]

How long? Weeks on end?

[B]

Yeah. Like for like whenever. I don't have.

[A]

Okay.

[B]

Work.

[A]

I mean, I want you to spend time with them.

[B]

My oldest doesn't like.

[A]

Huh.

[B]

My oldest doesn't like coming over because of that, but which I get.

[A]

I mean, a 14 year old, he's, you know, 14 is in the teenage era of life.

[B]

Yeah.

[A]

I only get a little.

[B]

Yeah. And. But the littles, they love hanging out and coming over and just doing sleepovers for as long as I can keep them.

[A]

I want to give you free money right now. I partnered with different resources that will literally give you hundreds of dollars the moment you sign up for them. Check out my investing app of choice, Moomoo, where they give you up to 15 free stocks and 8.1% interest on your uninvested cash. When you sign up with my link. Do you want a more traditional savings account? Check out where I keep my emergency fund, SoFi, where they'll give you 4.5% on your money and up to $300. Would you rather have automated investing? Sign up for Acorns with my link and you'll get $20 right now instead of the usual $5 you'd get from your friend's referral. You can also sign up for our investing program and get $100 in cash deposited into your Moomoo account. This is the best way to learn what your Investing profile looks like and what investing strategies to use based on that. All of this free money is linked in the resources section of the description below. So don't pass up the free money because I'll punch you. I want you to be able to give them the world. I want you to. I want you to. In the past, kind of.

[B]

It kept blowing up in my face because of you.

[A]

So did you try? I don't know. That's the thing.

[B]

Not.

[A]

I want you to give them the world. You're not going to. If you follow this. You're not going to. It's only going to get worse from here. If you keep going down this path, you're not going to give them anything, anything. You're just gonna give them pain and misery because they're gonna have to take care of you.

[B]

I don't want that.

[A]

Okay, but that's where you're going with your actions, to be clear. So if not for you, if not for you, for them, the sacrifice that you're gonna have to take after this. For them, definitely actually putting the Uber Eats app down. Not for you, for them.

[B]

I can. I'll just delete it.

[A]

Working more than a six hour shift. So not for you, for them.

[B]

With that second job, we call it with that specifically. I was working two jobs last year. The job that I'm at now and I was at the gas station. I was working over 50 hours a week, two 12 hour shifts a week. I had a. I moved over to my other job that I'm at now. We've learned that if I work the set schedule that I have, the three days a week for six hours, I'm able to work more consistently.

[A]

Three days a week for six hours.

[B]

I am able to work more consistently because if I push myself too much, I get sick and then I have to call out for what kind of sick I get. I had strep throat eight times last year.

[A]

Okay. Get your tonsils removed.

[B]

I had to have a colonoscopy. This year I've had six get your butthole removed. Six. I've had six CTs. We don't know what's wrong yet. I have to see a specialist.

[A]

And you've talked to your doctor about this?

[B]

Yes.

[A]

And this is what your doctor has said.

[B]

They wanted me on disability.

[A]

That's why that was gonna be my next question.

[B]

Yeah, they wanted me on disability. I waited the two years and gave up. And I just wanted to work. I don't want to.

[A]

Well, hold on. I think there's a middle ground between multiple 12 hour shifts a week and only working a couple hours a week.

[B]

I do pick up.

[A]

What's the max you can physically put your push yourself?

[B]

I do. Between the three and four days a week and then I will pick up special part.

[A]

No, no, I'm asking what is the max you can push yourself? If we were starting from fully open board, open calendar, what's the max you can put yourself to? How many hours of work? Yours is more manual because you're in the service industry, so. That is true.

[B]

I do run the entire bar. My.

[A]

Okay, how many hours a week could you work physically?

[B]

Physically? I want to say maybe 25, 30.

[A]

Really?

[B]

Yeah.

[A]

See, this is another thing. Listen, if that is a literal medical thing, then at that point, okay, maybe we need some. You're not going to. If that is like your actual thing, you know, there are things in society to help you there. Because of that. If the doctor really thinks that I always have some sense of skepticism because I've seen so much. I understand if that is the actual magical case. Okay, maybe that's something we have to do because you're not going to survive after 25, 30 hours a week. You're not going to. We're not going to do anything. We're not going to do anything. Yeah, yeah, we're not going to do anything. We're not going to ever make any progress or. Can you sit on your ass for 60 hours a week? I know you do. I've seen all the subscriptions and UberEats.

[B]

Yeah.

[A]

Okay, maybe we're doing a slightly lower per hour pay. Remote customer service.

[B]

I was looking into things like that.

[A]

Okay, well, looking into things doesn't get a job.

[B]

I don't know how to go about that.

[A]

What do you mean don't know how to go about that?

[B]

What I would have to like, I don't know how to get into that industry. Every job that I've gotten, I've always used as like me. I show up and I go, hi, how are you doing? I want this job.

[A]

And service is good for that.

[B]

I, you know, I have a really nice PC setup, so I've been using that.

[A]

Perfect. There you go.

[B]

Yeah, like, I figured I could do something with that and try and really get PC.

[A]

What. What is. What's a really good piece?

[B]

It's not really good. It's actually really basic. But I had my immediate reversal.

[A]

No more looking into jobs. Use a resume builder online.

[B]

Okay?

[A]

Use it. It knows how to put in the keywords, even if you have to pay for it. It's worth it. Have it focus on customer service. Have it focus on call center. Have it focus on sales. You know, again, we all have the certification. You can get a customer service certification that we can get you. And then if we can get you a job where you're talking to people on the phone, just helping them with bull. Annoying socks. I hate it. Even if it's slightly lower pay per hour. If we're gonna able to get you from 25 to 60.

[B]

Yeah.

[A]

Which you need right now.

[B]

Yeah.

[A]

Then you. Then we're gonna do it.

[B]

Yeah. Or else.

[A]

I mean, here's the reality. You work 25 hours a week for the rest of your life. You're never going to get a real job because no one wants to hire someone for only 25 hours a week.

[B]

Yeah. So that's why I've stayed here.

[A]

Real job. I know that's kind of a no. I know. I'm talking about career.

[B]

Yes.

[A]

And you're obviously not pursuing your job at the bar as a career.

[B]

I could hire and like I could be a manager.

[A]

You could, but you're not pursuing it that way. Plus, again, you're capping yourself at 25. So again, I just don't think you're gonna move anywhere with 25. So we're always gonna be making this meaning we're never gonna get our own place.

[B]

Yes.

[A]

Because you'll never be able to afford your own place.

[B]

No.

[A]

Unless we have things like some disability or you're in like government funded housing.

[B]

Yeah.

[A]

And you wanna stand on your own two feet. So you don't want that. But you're also not able to work, so it's just like. Okay, so if $3,000 a month is our net right now, I'm sure you're not claiming at all for taxes, but.

[B]

Oh yeah, no, I claim my.

[A]

All your cash for taxes.

[B]

I, I put, I put it all into a thing and yeah, I'm gonna.

[A]

Stay silent on that since everything's kind of gone to collections and whatnot. Your minimum payments are kind of low, which is kind of embarrassing that you're not paying them. Minimum payments, $83 and 56 cents. You don't have to pay. Well, 400 for rent is what you're supposed to pay. That includes utilities and Internet and all that stuff. We wanna, we wanna learn more about the boyfriend. If it was a virtual boyfriend and the subscriber and all that crazy life and stuff. But we're gonna save that for the post show where we do more drama, more just. Just diving into the wild. Side of things that might not. That might demonetize videos.

[B]

Yeah, that's. That's a fun.

[A]

Watch that. Click the link in the description below or the pin comment. Okay, but utilities and everything that's included in the 400.

[B]

Yes.

[A]

Okay. Phone bill. You don't pay for it?

[B]

No, I do now. I just paid for a whole year. It was here. Yeah, I have Mint Mobile.

[A]

Oh, mint's good. Yeah, it's just like helium. Who we work with as well and get people on for cheap. That's cool.

[B]

Yeah, my brother set me up with it and said he.

[A]

So what is it, a year?

[B]

I think I paid 300.

[A]

See, I almost wouldn't have done yearly for you even if you saved money because you just don't have any money left over.

[B]

I just didn't want.

[A]

When did you do that?

[B]

Just this month, I think.

[A]

Okay, then I'm not going to put in the budget for now.

[B]

Okay.

[A]

Gas from. From. You don't drive. So transportation.

[B]

I'm borrowing my stepdad's truck.

[A]

Gas. How much?

[B]

It's 95. Was the last time I filled it up.

[A]

How often do you fill it up?

[B]

Once every two and a half weeks.

[A]

Okay. Then we'll just say to be safe. 190. You paying anything for any kind of car insurance or anything?

[B]

No, my ex husband still does.

[A]

That's right. Of course. Four years X. Okay. TP fund. $100. Anything you need to survive. This is what we talked about earlier. This is making yourself feel pretty necessary. Food, you can do 300. Doesn't even matter. You get assistance. So I'm not even putting in the budget. Health care and everything else also covered. You don't have any pets? We don't have to put anything there. Jim have anything else I need to put in this budget?

[B]

No.

[A]

There's no reason you're spending more than you make with the assistance that you get from everyone, including literal taxpayers. It's like there's no reason. This is kind of a joke that you're not paying your minimum payments and that you're spending more than you make, that you're not paying your brother. Literally, if you're paying your minimum payments and you're paying your brother and you're taking care of everything else. $773.56 is what you need to survive on a monthly basis. You say you make 30,000.

[B]

It's. This is the past two months is the first wait. Sorry to consistently work though. I have been sick and having a lot of doctor's appointments. So if you.

[A]

If you legitimately have some severe disabilities then you should take advantage of.

[B]

I had a company actually through my insurance that was helping me. They filled out my disability stuff.

[A]

I was, we denied.

[B]

I was denied the first time and then while we were waiting, the next time was when I had to move. I lost my car. You know, all of that happened and I just gave up. I. When I first moved in with my brother, I realized sitting waiting on disability was not good for my mental health because I felt like a failure. So I went out, I got up and I got a job. And I've been pushing myself since then, trying my best to make it consistent, anything.

[A]

So what do we do? So I'm just so confused because even, even if you make 2000, you're still well within your technical means based on your current situation. So I'm just so confused why. Girl, your credit cards, we can literally pay off in two months.

[B]

Seriously?

[A]

Are you kidding me?

[B]

Yes, I want to do that. And then closing. Okay, question. If I pay them off and close them, is that bad for my credit score?

[A]

Yes, but I don't give a.

[B]

Because like I feel like I shouldn't have credit cards. Right, right.

[A]

Well, again, use a charge card or something.

[B]

Is that you put towards your credit.

[A]

Yes.

[B]

Okay, I didn't know that.

[A]

Maybe we can get you a small car loan or like you get a 10,000 hour car, you put $8,000 down, you borrow 2,000, that can help benefit again. We'll build skills so you can take advantage of stuff and get a good credit score eventually. But right now it's just hurting you having access to money.

[B]

I, I agree. Just take it away.

[A]

I don't listen. I don't, I don't listen, listen, listen. I don't listen. The thing is this stupid, this is the dumbest thing I've ever seen in my life. Because of your situation, you could pay off your credit card in two seconds. This is the dumbest thing I've ever seen. Literally. Just don't spend money, budget, go through the class, be disciplined for the first time in your life. Go to work when you're supposed to and you're life is turned around immediately. If you want to start taking care of collections, feel free. You take care of your mom and brother. You know, that's probably still going to take about four to six months if we're really throwing everything towards it but your credit cards. This is, this is so simple. You just have to not be a child. Like, I'm done. I'm going to wrap this episode up because that's the dumbest thing I've ever seen in my life. That's so stupid. Just budget you're most big. You have no necessities and groceries are taking care of for you. This is so stupid. This is so stupid. You're spending this just being a child. You just need to work on your behavior. Just literally hold yourself accountable. Make sure people around you hold yourself accountable and don't get enabled by anyone. Take over your payments. Being a this is so stupid. This is so stupid. Spending a budget 0 out of 10. You overspent debt 0 to 10. You have collections emergency when you have nothing 0 ton retirement you've never heard of it 0 out of 10 real estate you that up 0 out of 10Amber financial scores 0 out of 10 make sure to join us for the poster. We're going to talk about drama things instead of this stupid crap. So make sure to join that and also you can get our budgeting and investing program which she gets for free but you can get it for 15 off link in the description below. We'll see you on the Post show. Dum dum dum dum dum. This is bad. Today on the Financial Audit post show, boyfriend, how do you feel about the work? Are we pro or anti work for money? I'm anti. I've been working hard to make sure that she kind of cleans up her act. If she started doing that stuff again I don't think I would stick her. Really. How do we feel about the fact that ex husband is paying for many a bills? Even though you are boyfriend you are man in life. Yep I to watch the financial audit post show, click the join button below.