Gaslighting. Toxic. B*tch. | Financial Audit

Summary

Podcast Summary: Gaslighting. Toxic. B*tch. | Financial Audit

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Camila (26, Insurance Agent, Phoenix AZ)
Date: August 29, 2025

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Overview

This episode features Camila, a 26-year-old insurance agent from Phoenix, Arizona, as she undergoes a brutally honest financial audit by host Caleb Hammer. The central theme is Camila’s chaotic, debt-ridden financial life and her controversial plans to buy a home with her boyfriend—despite severe money management issues, high-interest debt, and a demonstrated pattern of self-destructive financial behavior. The conversation also delves into personal relationships, toxic habits, and deep insecurities, with Caleb’s trademark unfiltered, confrontational style.

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Key Discussion Points & Insights

1. Financial Snapshot & Job Situation

• Income: Camila makes $2,100 net, bi-monthly, plus average bonuses, totaling about $4,600/month net (~$55,200/year).
• Perspective: Caleb notes she earns above the Phoenix median income for her age group ([02:07], [02:24]), but Camila admits she’s “a spender,” especially on clothes and online shopping (sometimes under the influence: “sippies”) ([03:20], [03:26]).
• Quote:

  “I love clothes… A lot of drunk shopping. Get a little sippies.”
  — Camila ([03:20]–[03:26])

2. Contradictory Attitude About Money

• Camila repeatedly contradicts herself—saying she knows what to do but doesn’t want to do it, insists her finances aren’t “that bad” but admits to overspending and missing minor bill payments ([04:05]–[07:22]).
• Caleb expresses frustration at Camila’s inability to articulate her actual financial goals and mindset ([06:08]–[07:22]).
• Quote:

  “You are saying just endless contradictory things. You make no sense. I don’t know what you are.”
  — Caleb ([07:06])

3. The House-Buying Plan & Relationship Dynamics

• Camila wants to buy a house with her boyfriend of one year—both still living with their parents ([10:00]–[10:53]).
• Caleb challenges her logic, emphasizing the risks: lack of marriage/legal protection, not having lived together, and financial instability ([11:07]–[13:06]).
• Camila claims buying a house together shows more commitment than renting, revealing her desire to “seal” the relationship ([13:13]–[14:11]).
• Caleb accuses her of attempting to “trap” her boyfriend by tying him down with a mortgage ([14:08]–[14:26], [70:09]–[71:28]).
• Quote:

  “You are trying to trap this man... What is your logic that makes it make sense to purchase with a boyfriend?”
  — Caleb ([00:42], [70:09])

• Quote:

  “I do have a fear of him leaving.”
  — Camila ([72:07])

4. Debt & Spending Breakdown

• Camila’s debt exceeds $41,000, with a mix of high-interest credit cards, ‘buy now pay later’ (BNPL) apps (Affirm, Klarna), payday advances (Earnin, Dave, Money Lion), and a car loan ([17:33], [79:23], [82:10]).
• Repeated late payments and overdraft fees, heavy use of cash advances, and no real emergency savings ([27:33]–[31:10], [44:20], [86:28]).
• Witnessed a vicious payday advance cycle: Over $2,600 owed across various cash advance apps, sometimes tipping the lenders ([28:28]–[29:32]). Nearly all of her net income is eaten by debt minima.
• Quote:

  “84% of your income just in insta pays and you’re pay advancing. That’s insane.”
  — Caleb ([48:31])

• She’s also “abused” BNPL apps, using them for shopping, concert tickets, and other non-essentials. Owes almost $2,000 to Affirm—double the platform’s average ([53:51], [55:51]).
• Routinely borrows money from her mom and boyfriend and sometimes misleads them about what the money is going to ([53:20]–[54:37]).
• Quote:

  “You lied to your boyfriend, to this person you’re trying to spend the rest of your life with…the money that he gave you for something specific, and you go and blow it on Sephora?”
  — Caleb ([54:37])

5. Toxic Relationship & Manipulation Concerns

• Camila admits to stalking her boyfriend's Instagram and deleting her account due to “toxic” jealousy ([64:56]–[67:02]).
• She confesses openly to feeling insecure and wanting the mortgage to make the relationship harder to exit ([71:02], [72:07]).
• Caleb calls out repeated patterns of manipulation, gaslighting, lying, and lack of self-awareness ([70:17], [65:54], [73:26]).
• Quote:

  “You’re a liar, manipulator, a gaslighter, a stalker, you’re a bad person and you’re probably a psychopath.”
  — Caleb ([70:19])

6. Reality Checks & Host’s Advice

• Caleb bluntly insists Camila is not remotely in a position to buy a home, even on minimum down payment ([25:49]).
• Points out that her minimum DEBT payments alone match her entire monthly income—well before rent, insurance, groceries ([88:46]–[90:55]).
• Advises drastic course correction:
  • No home for at least 10 years.
  • Get extra jobs, possibly file for bankruptcy if no massive income boost.
  • Sell/trade in her car for a cheaper model ([84:09], [83:38]).
  • Undergo serious behavioral/psychological change and cut all credit use.

7. Memorable Quotes & Moments

• On emotional spending:

  “In that moment, it feels better to buy it. I don’t know.”
  — Camila ([04:55])

• On financial denial:

  “Bills are paid, though… shouldn’t matter how it’s getting paid.”
  — Camila
  “It really does.”
  — Caleb ([49:38]–[49:46])

• On toxic patterns:

  “You are incapable of answering questions truthfully… If I did not have the answer to the question…I wouldn't know what to believe. I would just believe you and you'd walk away with nothing beneficial because you're a liar.”
  — Caleb ([65:54])

• On relationship red flags:

  “You want to force him onto a loan with me because I'm insecure in my relationship.”
  — Caleb ([72:12])

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Timestamps for Key Segments

• Introduction & Camila’s Job/Income: [01:09]–[02:27]
• Spending Habits & Drunk Shopping: [03:20]–[04:59]
• Financial Contradictions & Baseline: [04:05]–[07:22]
• Desire to Buy House w/Boyfriend: [10:00]–[13:13]
• Housing Market Logic & Risks: [13:13]–[15:46]
• Debt Avalanche Unveiled: [17:33]–[26:33]
• Cycle of Payday Advances: [28:28]–[29:53], [34:07]–[35:09]
• Relationship Manipulation/“Trapping”: [70:09]–[72:12]
• Admission of Insecurity: [72:07]
• Financial Intervention & Scoring: [88:46]–[90:55]
• Final Reflection on Relationship & Debt: [75:51]–[76:34]

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Tone & Style

• Language: Raw, blunt, direct
• Host’s Tone: Confrontational, occasionally mocking, but ultimately seeking honesty and actionable solutions
• Guest’s Tone: Defensive, inconsistent, sometimes flippant, interspersed with vulnerable admissions

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Hammer Financial Score — The Verdict

• Spending/Budget: 0/10
• Debt: 0/10 (no collections, but catastrophic balances/high rates)
• Emergency Fund: 0/10
• Retirement: 1/10 (life insurance only, no real investments)
• Real Estate: 0/10
• Final Score: 0.5/10

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Final Takeaways

Camila’s financial situation is dire, rooted in a combination of emotional spending, denial, mounting high-interest debt, and personal insecurities that bleed into her romantic relationships. Caleb’s analysis takes her to task for these habits in an unvarnished manner, challenging listeners to recognize the gravity and interconnectedness of financial and personal dysfunction. His recommended path is total lifestyle overhaul, including income increases and hard limits on credit, while slamming the brakes on any thought of joint homeownership until deep, sustained change occurs.

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For anyone seeking a cautionary tale about financial self-sabotage or an entertaining, no-nonsense lesson in personal finance and relationship boundaries, this episode is a must-listen.

Transcript

[A]

This episode is brought to you by Progressive Insurance. Fiscally responsible financial geniuses, monetary magicians. These are things people say about drivers who switch their car insurance to Progressive and save hundreds. Visit progressive.com to see if you could save Progressive Casualty Insurance Company and affiliates. Potential savings will vary. Not available in all states or situations. To watch episodes of Financial Audit a week earlier, check us out on YouTube.

[B]

I want to buy a home with my boyfriend. We've been dating for a year. Because if you're renting, then it's like, all right. It's kind of just giving you a door to leave.

[A]

You sound insecure.

[B]

I feel like when you're committed to a house, it's gonna.

[A]

You are trying to trap this man. What is your logic that makes it make sense to purchase with a boyfriend?

[B]

You're not just gonna be yelling at me. Okay?

[A]

That's actually what the show is. So, yes, I will bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80 off, but also with a free trial today at Dollarwise.com join the tens of thousands of people who've changed their lives and join dollar Wise Central right now for free.

[B]

Hi, I'm Camila. I'm 26 from Phoenix, Arizona, and this is Financial Audit.

[A]

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

[B]

I'm an insurance agent. So sales.

[A]

Sales. Very commission based.

[B]

Slightly.

[A]

Okay.

[B]

I feel like it's more salary. The salary is heavier than salary. Then I'm making 2800 every first and 15. 2800, that's no net. It's 21. So after taxes, I'm taking 21 home.

[A]

Okay, so 21 every other week?

[B]

Yep.

[A]

First.

[B]

Every first and 15th.

[A]

Yeah. Yeah. You're bi month.

[B]

Yeah, we like that. And then the 15th, I get the bonus. Bonus usually ranks from like $300 max to $1,000.

[A]

Okay, so what is that averaging? Like what would you say, like five, six?

[B]

I'd put it at four. 400.

[A]

Okay. Averaging 400. And that's net. 400, correct.

[B]

Net.

[A]

Okay, so you're at 4,600amonth.

[B]

Okay. Yes, sir.

[A]

So you're not doing better. Okay.

[B]

Okay.

[A]

Oh, interesting. Okay. Well, I was going to say not too bad. I mean, talking net out in the middle of a desert, okay, we're at $55,200. So compared to the median income in are beating them. Congratulations. At 26, you are beating them.

[B]

Yeah. So you're killing it.

[A]

You're doing well.

[B]

I think I could do better. But I think we all think that. Right?

[A]

Well, I mean, that's probably why you're on the show.

[B]

Yeah.

[A]

Which was going to follow into my next question. What's going on here?

[B]

I'm a spender, dude. I just love to spend. I love clothes.

[A]

You love clothes. And this is not typically what someone, no offense, looks like when they say, I love clothes.

[B]

I'm wearing a T shirt. It's a cool T shirt.

[A]

I can't even tell what's going on. When someone said they love clothes, they're usually glammed up and they're, you know, they got something going on that.

[B]

Sorry. That they weren't that special with the T shirt.

[A]

No, it's not that special. It's just more a little, you know, wrist slutty than anything. So it's just not usually what. I kind of go with that. We'll see if that's where your money goes. I guess if you're just buying graphics TV all day.

[B]

Yeah. So shopping. A lot of drunk shopping. Get a little sippies.

[A]

Sippies.

[B]

Sippies. Sippies.

[A]

Huh?

[B]

Sippies.

[A]

Okay. And sippies is drunk shopping.

[B]

Yeah.

[A]

Is what I'm putting together. Okay. How often are we drunk shopping? What does drunk shopping look to you?

[B]

I feel like I've toned it down, but I don't know. Like, sometimes you just see something and you're like, I want it now. We might die tomorrow.

[A]

I'm talking drunk shopping.

[B]

Yeah.

[A]

Huh. Oh, interesting. Okay.

[B]

I mean, it's not that often, but I'll say. Usually the. The big purchases, the bad purchases are done, and what are they?

[A]

What does that look like? What does that mean? I mean, I'm trying to get. I'm trying to understand you. You have to kind of walk me through what you are.

[B]

It means like, using credit cards when I shouldn't, using a firm when I shouldn't, and just buying whatever I want.

[A]

Can we be honest? You sound reasonable. Then what the Is the problem? Listen, if I came in and I had some kind of issue, and I was like, this is my issue. I shouldn't do it. It's a problem. Then I wouldn't be struggling. You sound reasonable. What the are we talking about?

[B]

I thought it was time that I had someone just kind of rip me a new one. What do you mean by that? I know what I should be doing.

[A]

Then why aren't you? Why?

[B]

I don't want to.

[A]

I know what I should be doing, but I don't do it because I don't want to. Good. So that's the end of the conversation.

[B]

No. No.

[A]

Well, if you don't want to do it, then what the are we doing?

[B]

It's just sometimes, like, it just feels better to buy it. I don't know.

[A]

Cool. It absolutely does. So what are we doing if you don't want to?

[B]

I mean, I've been drinking less, that's for sure.

[A]

Congratulations. What have you gone down to from.

[B]

What it used to be, like, probably, like, four days a week. Now it's like, just weekends, Saturdays.

[A]

Okay, so two days a week.

[B]

Yeah. A lot better than four.

[A]

Well, I don't know what that looks like. Were you having a drink, or are you just getting completely blacked out?

[B]

No, I would probably do, like, three drinks max.

[A]

Okay. Which, I mean, you're a little thicker, so you can maintain it. Right. So it goes a little further.

[B]

No. Yeah, so I would say, like, three drinks, max. Weekends usually, though, I.

[A]

Well, this is an alcoholic audit, so I don't really give a fuck if I'm being honest.

[B]

Yeah, going too deep in that.

[A]

Oh, yeah. Like, no offense. That's not what I'm here to talk about personally. I mean, certainly, if it's affecting your finances and you're saying you're getting sippies, that sounds like it's affecting your finances a little. And if we want to talk about that, that's fine. But again, I'm trying to get a baseline. Like, what the you saying. You're saying it's bad. I know what to do, but I don't want to do it. So what am I doing here?

[B]

Yeah.

[A]

Are you drunk right now?

[B]

No.

[A]

Seems like it.

[B]

No, I just kind of just want a road map to get this. Like, I have goals. I want to buy a house.

[A]

But you just said you don't want to do what's required, so what are you talking about?

[B]

I guess I don't know what to do.

[A]

No, you literally said, you know what to do. And what's the problem? You just don't want to do it.

[B]

Yeah, in the moment, it doesn't feel as bad. And then I'm looking back, and I'm like, bro, I didn't even have the money to spend on that, and I still bought it.

[A]

Why did you do it?

[B]

Because in that moment, I wanted to.

[A]

Okay, and you're saying you're not willing to change that. So what are we talking about?

[B]

Well, like, in my opinion, I don't think my finances are that bad, considering that the bills are paid.

[A]

Didn't you start the conversation with, I spend too much and I'm bad? With finances, but the bills are paid, so you make no sense. You are saying just endless contradictory things. You make no sense. I don't know, because this. This part of the conversations where I try to learn what people are, where they are in their mentality of money, where they come from, what you know, we learn about you, but I've gotten just two conflicting personalities. I don't know what you are.

[B]

It's like the good, the little angel and the demon.

[A]

No, it's the singular. It's. I don't know what you are. I don't know what's truthful and what's not.

[B]

I'm being honest. I don't think I've lied about anything.

[A]

My finances are bad. I know what's bad. I know what to do. I don't want to do it. Also, hey, you know what? I think I'm doing pretty good. I'm making the bills paid. The. Are you talking about. You don't know what the.

[B]

Are you talking about, but the bills are paid, so I feel like anything extra, I could spend it on, like, a shirt, shoes.

[A]

Okay. And that's why you're here.

[B]

Here's the thing. Because I know I'd make somewhat. I make decent money, and I don't know.

[A]

Yes, you make decent money, and I.

[B]

Don'T know what to do with that money. And I feel like the more that I make.

[A]

No, you literally told me you do know what to do. You just don't want to.

[B]

I don't have to pay my bills. I know when my bills are due, and the bills.

[A]

No, you said you don't want to change your behavior.

[B]

I want to.

[A]

Okay. See, again, the conflicting information, that's the complete opposite of what you said.

[B]

But I try to fight like that, that urge to not do it. You know what I mean?

[A]

No, I don't. I don't know what you mean, because that's moronic. How about you try to tell me what you mean? Can you give me some semblance of reality into you? Because right now I don't understand you. You need to be studied.

[B]

I think the thing is, bills are paid. I never really miss a payment.

[A]

So I never really miss a payment is kind of a qualifier for sometimes I miss a payment.

[B]

Like on certain things. Not like big bills like rent and, like, small bills.

[A]

It's okay to miss the payments?

[B]

I mean, sometimes. Yeah. Not miss them completely. Just be late. And that's okay as long as it's not affecting my credit.

[A]

Okay. So the credit's the big, important thing for You?

[B]

Yeah. Huge.

[A]

What is even going on in your life?

[B]

Nothing. Just working.

[A]

What are your goals? What are your aspirations? What the are we talk. You have not been able to answer what are we talking about? Without contradicting yourself five times, I do not know what this conversation is.

[B]

Well, like, what's your question? I feel like your direct question.

[A]

I just want to learn more about you, but you.

[B]

What do you want to know? I feel like you're not really asking questions. You're just yelling at me.

[A]

I said, what's going on in your life?

[B]

I work and I.

[A]

Life is so much more complicated than that.

[B]

I don't know.

[A]

There's always more to these stories. Always. You cannot be the only person in the history of the show that does not have more going on.

[B]

Well, I'm working. I'm trying to get my finances right because my boyfriend and I want to buy a car. Sorry.

[A]

Boyfriend and I want to buy a car.

[B]

Not a car, a house. Sorry.

[A]

Very different.

[B]

Yeah, we're. Yeah, we're looking to buy a home.

[A]

Oh. Oh. So an actual potential answer. Wow, that took 10 minutes to get to. I appreciate it.

[B]

Be more direct with your questions.

[A]

Be like, ask what's going on in life? What are your aspirations? I already asked what your aspirations were. You guys.

[B]

Yeah. And I just. I literally. Did you just call me a tit? Yes, you're a tit. You're a gummy bear. Does that mean you're a gummy bear now?

[A]

What does that mean? See, that's a question.

[B]

Well, you just call me a tit. What does that mean?

[A]

Oh, you're a tit. A booby.

[B]

Exactly. Yeah. And you're a gummy bear.

[A]

Interesting.

[B]

Anyways, yes, that's my goal. I want to buy a home.

[A]

With your boyfriend?

[B]

Yes.

[A]

Only have you guys been dating? What are you laughing about?

[B]

Because you look like a loo boo, bro. You guys are twins. Anyways, yes. I want to buy a home with my boyfriend. We've been dating for a year.

[A]

One year.

[B]

One year dating? Yeah.

[A]

Why would you buy a house with someone you've been dating for one year? Where's the logic? Because it's not logic. Where's the logic? See, that's another question. Let's see if you're able to answer.

[B]

The logic is there when I. I've.

[A]

Asked what the logic is. Let's see if you are at the third attempt, able to answer that question.

[B]

What do you mean, logic?

[A]

Oh, my good. What is your logic that makes it make sense to purchase with a boyfriend you've Been dating for one year. Try to give any semblance of an answer.

[B]

All right, all right. Turn it down, dude.

[A]

You're obnoxious.

[B]

You're not just going to be yelling at me. Okay?

[A]

That's actually what the show is. So, yes, I will.

[B]

Okay. Anyways, the logic is I'm very picky with my partners in general. So when I started dating this person, I was looking for a lifelong partner. I'm not just gonna date just to date.

[A]

Well, what do you think dating is? There's the dating without the intent of.

[B]

Well, dating is like, literally, like boyfriend, girlfriend.

[A]

Yeah. What's the point of getting boyfriend girlfriend without that future intent? You're not dating to break up, so. No.

[B]

Well, like, dude, this is like hookup culture. People have situations.

[A]

Not dating. That's not boyfriend, girlfriend.

[B]

No. There's a lot of people that aren't willing to just commit, and I needed that. And I'm like, okay.

[A]

Regardless. Go on.

[B]

All right. So anyways, that's what it is. This part. This is somebody that I want to live my life with. So we want to buy a house. We both live. Well. I live with my mom. He lives with his parents. So we.

[A]

That's why you're so immature. Okay, I understand. I get it. Okay. She's been little precious baby.

[B]

I am the favorite. I will say that.

[A]

No. Yeah. Who would have thought? How many siblings do you have?

[B]

I have two.

[A]

And you're the favorite?

[B]

Yeah.

[A]

Why?

[B]

Because I'm cool.

[A]

Hot topic shirts. 20. 25. Okay, so you're trying to buy a house to someone you're not married with. Are you guys going to be on the loan together?

[B]

Yes. The plan is to go 50. 50.

[A]

Do you not see potential risks here without being married? Any legal protections around that? I do when it comes to separation.

[B]

But that's the thing. That's also. We're looking to get married, not any.

[A]

Well, then why don't you get married? Well, because you're looking to get a house soon because. But not marriage. Wait, why not? Why. Why not do that step first?

[B]

I feel like we should be dating a little bit longer.

[A]

Sure. Before you get a marriage and then a house. Yes, I agree. Why are you putting that house in there as this instant run to. You guys can rent together. Shouldn't you test if you can live together before you get a house even? Shouldn't you at least test that element?

[B]

I feel like if you're testing it, then you already know that it's not going to work.

[A]

What?

[B]

So just.

[A]

That doesn't make Sense? No, that doesn't make sense at all.

[B]

I feel like it does.

[A]

Explain.

[B]

Because if you're renting, then it's like, all right, obviously you're renting for a year after the year. It's kind of just giving you a door to leave.

[A]

No, it's. It's renewing or getting another rental or getting a house. What are you talking about? Giving you a door to leave? What, are you that insecure in your relationship?

[B]

No, I just.

[A]

Then what door is there to leave? You sound insecure, as.

[B]

I feel like when you're committed to a house, it's going to house, it's.

[A]

Committed to each other. It's not about being committed to a piece of property. You know how many people are dating, get a house together and then break that Just because it makes it harder.

[B]

It makes it harder to break up.

[A]

It might make it more messy, but. More messy. But that just means two people that are unhappy stay together. Because if you're going to break up, you're going to break up regardless. But if you're forcing yourself to stay together because of a house or a kid, you're just staying together, hating each other.

[B]

I just don't see how that's.

[A]

Or you just don't want him to escape when he realizes who you are to live with is what I'm hearing. Honestly, that's what I am hearing.

[B]

No, no, not at all. I just don't see the point in renting, especially, like, it just feels like you're throwing money away. Well, that's why a house.

[A]

Not necessarily. I mean, for what it's worth, renting right now is cheaper than getting a house. Let's be clear to volatile housing market. You're in a boom city. That's a more volatile housing market. You could get a house, the housing prices could go down for a little bit. I'm sure overall, they will go up. Number three, all your money that goes into a mortgage, your first minimum five years is basically all interest. You ain't seeing any equity gain in that house. When it comes to the payments, it would have to be the housing market itself. Four, if you rent, you're not paying for repairs, you're not paying for a new roof. Yeah, you're not paying for all that.

[B]

Well, the way I see it, my goal is to buy a house. His goal is to buy a house. Why not buy a house together?

[A]

Why not wait until we at least see if we're compatible together and in a living situation and then give us more time to save up? Because, okay, you're on this show. No offense, that means you're financially. How are you even talking about buying a house and splitting a 50? 50? What is splitting a 50? 50. FHA.

[B]

I don't know. Just basically that we're both going to be on the loan, we're both willing to pay the bills. I haven't looked into it. I'm trying to raise my credit. I'm trying to pay off my credit card. I think right now it's at like 6:30.

[A]

So interesting enough, trying to pay off our credit card is spending $17,569 in this last month and bringing in, you know, an average of 4600. Go ahead and please make that make sense. How is that trying to pay off our debt and raising our credit? Inform me on that. I'm not. I'm not. I'm ignorant, I'm not educated. Please inform me. Teach me.

[B]

I have a piggy bank. I've been putting away my fives.

[A]

Are you talking about you spent $17,000 last month?

[B]

$17,000.

[A]

$17,000.

[B]

Is that taking in like getting zelled? Like I split my rent payment so.

[A]

I get zelled rent to your mom?

[B]

Yeah.

[A]

Okay, so total that came in, let's include zell was extra 1,805. Cool.

[B]

Okay.

[A]

You still spend 17,000.

[B]

$17,000.

[A]

Here, let me check. Oh, $17,000.

[B]

No way. How's that even possible? How's that possible if I make 10,000 debt?

[A]

So again, how does that equate to paying off credit cards and raising our credit? How much do you have in this piggy bank? This five dollar piggy bank?

[B]

It's probably like $200. I barely started saving.

[A]

Oh what a down payment for a house while you have debt? Why does that even make sense anyway? To have a high interest, bad debt? Yes. Why would that make sense? You're not saving for a toy. You don't have one. Low interest or no interest or good debt. Everything you have is high interest, bad debt. And that is $41,703 with not an asset to your name at 26.

[B]

I know.

[A]

Okay, she knows I know. So it's another thing you know and then do nothing about the piggy bank.

[B]

The point of the piggy bank, $200. When it's out of my way, out of my face, I'm not spending it.

[A]

It's $200. And regardless, not spending it, buy a house tomorrow. But you're talking about buying a house before marriage anyway. How long are you guys going to live at home? Because you said rent is not an option to rent together. So it sounded like it was pretty damn near future.

[B]

If I get my situated. I'm trying to look for a house next year. That's the goal.

[A]

Okay. How long did the $200 take to save?

[B]

Four months. But I. It's. It's been saved. I'm not touching it. It's out of. How are you getting the house going to save more?

[A]

Not with your spending. Please tell me how you're saving a house. What are you saving? What amount are you saving for? What are you trying to do? What's the average house out there?

[B]

What we're looking for is like.

[A]

No, what's the average house?

[B]

I think the average is probably 400, 000.

[A]

Close 416. Cool. So. But you might be buying, you know, lower. That's average. Maybe you're looking 300. Wonderful. What percentage are you putting down?

[B]

I've had this just like $10,000 is what I'm trying to save. To have $10,000 going in.

[A]

Well, and that's half because he's doing 10.

[B]

No, he's gonna do. We'll do five and five. So 10 together. 10 together.

[A]

Let's say you get 300,000. Okay. Yeah. That's 3%. So you're looking FHA. You're talking FHA. First time homebuyer loan. Okay. Which in a market like Phoenix is risky as. Because again, it's a boom and bust town.

[B]

Yeah. I've never like sat.

[A]

And really, you're not going to have an equity position in this house and then it's going to go down. And then if you're forced to sell it for whatever reason, you guys break up. Who would have thought might happen in a relationship where you guys didn't test if you're actually compatible before getting a house together? Then you're going to be underwater. We literally just uploaded a video of a guy that was in a position just like yours and they broke up and they're underwater and they can't sell their house in a boom and bust town.

[B]

Okay.

[A]

Okay.

[B]

I'm not thinking that far.

[A]

I guess you're not thinking.

[B]

Okay, I am thinking. I have goals. I'm trying to meet them.

[A]

No, your tri is $200 in four months. Okay, 200. So what is that? That's 50 bucks a month. Great. You double $100. You want to get it in a year. Very good. So you save $1,200 in a year. So we're a fifth. We're a fourth of the way total. We're a fourth of the way total to your 5,000 hour goal. And that's even if he brings $5,000 to the table. First of all, he's agreed to it. Let's see if he does it. What progress has he made?

[B]

Yeah.

[A]

Yeah. That's an interesting answer to a question of what progress has he made?

[B]

Savings. He has savings.

[A]

How much?

[B]

I don't know. I don't know.

[A]

You're trying to get into a house with someone that you are not married to and you think he has savings but you do not know how much because you haven't had a financial conversation with him.

[B]

I've had slight conversations. How many times? I've learned that he has $3,000 into debt. It's mainly like car debt.

[A]

So we know what debt he has. Yeah, but not the savings. When we're talking about savings.

[B]

And he has like rainy day savings. So I assume it's over $1,000. But I don't ask the exact number.

[A]

So, Phoenix, we have some options. One shouldn't probably buy a house unless it's in a walkable condo type area that is under 1500 square foot. Three bed, two bath. Well, this one. I thought I had my finances figured out until I realized I was paying $19 a month for a cloud storage app I haven't used since 2021. That is $228 a year for digital cobwebs. Today's sponsor, Rocket Money, helps you stop paying for stuff you don't use. It's a personal finance app that allows you to manage subscriptions, lower bills, make a custom budget and grow your savings all in one place. I use Rocket Money to cancel old subscriptions with just a few taps. No awkward emails or waiting on hold with customer care. Last month alone, Rocket Money flagged a hike in my cable bill with just a few taps. Their team handled every everything. Plus it sends me alerts when I'm overspending and shows exactly where my money is going. If I had Rocket Money back when I started financial audit, let's just say my ramen budget wouldn't have needed so much creativity. Take control of your finances today. Go to RocketMoney.com Caleb or click the link in the description below to get started for free. Let's get back to the episode. Alone is two bed, two bath, 1200, 1200 a square.

[B]

Are you going to show me and I can't look at it?

[A]

Quiet.

[B]

That makes no sense.

[A]

This one has a pool. Three bed, two bath, 1800 square feet. This one meth den thousand square feet. Three bed, two bath.

[B]

What, the meth den?

[A]

Listen, might be the only one you can afford this one. Four bed, three bath, 2,100 square feet, rounded. So what house are we picking? What house are we choosing? Because you're going, you're virtually touring. Okay, here's the, here's, here's the houses. What houses are you choosing just based off photos? Well, you're obviously buying a house to live in and not renting. So you're probably picking it visually a little bit. Okay, so this is the house you're buying. Very good. Yeah, wonderful. Four bed, three bath, 2,100 square feet. Yeah, that's $475,000.

[B]

He didn't show me the price.

[A]

You can't get that. You just straight up can't get that. I know your minimum payment alone would be horrendous for you. What's your rent right now? That's part of what's your rent right now?

[B]

It is 2200. We'll say.

[A]

Well, no, what is your rent right now?

[B]

Yeah, it's 2200.

[A]

But you said you, that's. You do half.

[B]

Because they do. Yeah, so I pay half.

[A]

So your rent is 1,100. I don't know why you didn't just answer that, you creature.

[B]

First off, if I'm looking at houses, I'm going to be looking at the price. I'm not going to pick a $500,000 home. I know I can.

[A]

Okay, master. Thousand square feet, three bed, two bath. Yeah, that's 425,000. That's so ugly. So how are you going to even afford that? Okay, maybe we go the not great Investment of the 2 Bed, 2 Bath, 12, 28. A house that would be hard to sell in the future. 420,000. 420,000. Maybe you want the house with a pool. Three bed, two bath, 1800, easily more easily resellable has had a price cut, but still 470,000.

[B]

I don't know where you pulled these cuz I'm seeing house.

[A]

Well, I could tell you by looking at the top of the page I got you. It's not hello. It's also, by the way, in the.

[B]

City that you're looking, I see things that are 380, 390 and they don't look like that.

[A]

Well, I mean the math then is in. It looks like close to downtown. So that's why it's a bit more expensive.

[B]

And I wouldn't want to live there.

[A]

Well, I know, but we picked the place here that you Want to live. We pilled up some options.

[B]

So you're looking in this all not good options.

[A]

I found a 310,000 place. Two bed, two bath, thousand square feet. Not great. Little cute, gonna be hard to resell if I'm being completely honest and probably why this person is priced up by 10,000, but that's 310,000. Okay, very good. So I have this house and let me put it into the payment calculator for us to get. We're putting 10,000 down, which honestly, honestly is not going to be enough. And then you're going to need to bring money. There's going to be first time assistance potentially, but you're probably. There's also closing costs you need to take into account if you don't do that. Okay, so bring in property taxes, everything. That is $2,453 a month. That is more than doubling your payment. Now you're going to say, okay, but he'll split with me. It is still more than you have. And also you're not taking into account roof, you're not taking an account flooring, you're not taking into account a refrigerator break, you're not taking account anything that comes with home ownership. And that's if you get a 6.38% rate, which I doubt, you would probably be closer to 8 with your credit score, including his as well.

[B]

So what you're saying is just need a bigger down payment and that would.

[A]

Bring it to $2,781 a month. What I'm saying is you cannot afford a house. What I'm saying is you should not get a house with someone that you do not know if you're compatible living together. What I'm saying is you should get a house with someone you're not married to. What I'm saying is you should not get on a loan with someone are not in a literal legal partnership with. I am saying a lot of things and all that is coming down to this is a fat stack of paper. Meaning you have a ton of debt and a lot of dumb. You spend beyond what you make on a monthly basis. You're not even in the conversation of buying a home. This is a moronic way to begin the conversation and your goals make no sense. So let's get into these finances because this is going to take thousands.

[B]

Oh my gosh. It's not that bad.

[A]

Do you even know about pmi?

[B]

No, I don't know what that.

[A]

Okay. Private mortgage, insurance. So what you have there is when you're under 20% you're going to have to pay a monthly payment into this insurance because you are too risky of a borrower.

[B]

Yeah, I didn't know that.

[A]

You can pay that off up front. Usually a few thousand bucks, but I doubt you'd be able to since you're only bringing 5,000 to the down payment.

[B]

I'm just kidding. Bigger down payment. But like I said, remember, if you.

[A]

Double your savings, you will be at a thousand two hundred dollars a year from now on top of the four hundred you have saved. Well done. Very smart.

[B]

I will find a way.

[A]

If you want to find a way to be on this show, go to caleb hammer.com apply. We'll have you here in Austin, Texas. It's a fun time. I want to know what you think your financial score is 0 to 10. 0 being the worst, 10 being the best. What do you think?

[B]

It's probably at zero.

[A]

Okay, first reasonable thing you've said all conversation. Listen, get your score, figure out where you stand. Take the assessment. It is free@caleb hammer.com or dollarwise.com whatever you prefer. And don't forget to sign up for the dollar wise budgeting app. Ladies and gentlemen, take the free trial. Also sign up for the annual version if you want to save a lot of money. And get our budget friendly cookbook signed by me mailed directly to you. You can sign up for the free trial dollar wise central, our all in one program as a premium version and all of our educational products all bundled together for 80% off. Check it out. Dollarwise.com let's get into these cause what the are we doing? Oh good. Yeah. Let's just start here. Wanting to get a house saving money. Oh, we're saving. We're saving $200 in four months. She's pay advancing herself, bro.

[B]

Gotta out me like this.

[A]

It is financial audit.

[B]

Well, the thing is I got stuck in that cycle and now it's like just that vicious cycle that I can't get out of.

[A]

Buddy, this is a cycle of what's your total due?

[B]

They're all different.

[A]

What's your total due? What do you think total means? That means all the different ones added together.

[B]

It's about like 2600, 2700.

[A]

Oh, that actually is difficult. Usually these pay advance people get into like a couple hundred dollars. Yeah, there's $2,600 to pay advance that you're having to.

[B]

Oh yes.

[A]

That you're stuck in.

[B]

Yes. Oh, there's three. So one of them is a thousand. But obviously with after all the little fees and the Tips.

[A]

You actual creature. Every single time she borrows this. 150. $100. $150 hundred dollars. She tips. She tips the company a thank you of $2. $2. $2.

[B]

Yeah.

[A]

Why are you tipping them?

[B]

Because.

[A]

Why are you tipping them? You actual.

[B]

If I'm being honest, I've noticed when you don't tip, they, like, lower your.

[A]

Advance amount, but you should want the lower advance amount because you're stuck in this.

[B]

But I'm stuck in it, and I. How. How am I gonna pay my bills? How am I gonna pay my bills if I don't pay advance? They literally, my check gets eaten up by it, so then I have to borrow it again.

[A]

Is it pre. Taken from your check?

[B]

Yeah.

[A]

So you have it connected to your account. You gave them access to your damn account in order to sign up for this earning program?

[B]

Yes.

[A]

You creature. That is like the worst thing you could possibly do is, like, taking out a payday loan and giving them access to your bank account. And they garnish it.

[B]

Yeah.

[A]

Why would. Why would you. Why did you get into this? Because this is insane. This is insane.

[B]

It's bad. I know it's bad.

[A]

2400, you said.

[B]

Honestly? Closer to 26.

[A]

Okay, 2600. Tell me, how'd you. How'd you get into this? How long did it take to get stuck in the cycle?

[B]

I would say, like, officially stuck in the cycle for two years. It started in 2021. I lived on my own, didn't get that much money.

[A]

You lived on your own already, and you couldn't even survive that, and you ended up in a pay advance cycle.

[B]

Yeah, well.

[A]

And were you thinking of getting a house? What is this conversation? Ladies and gentlemen of Financial audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real est, basic beginner stuff in finance, all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of People have done with our programs. Go to Dollarwise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollar wise dot com. Let's go. You're losing me. I'm already lost.

[B]

It just got. It just got vicious. You just start to borrow. Bonus isn't as juicy. One month.

[A]

So then it can work better. You're in sales.

[B]

I know, I know it is. So that's honestly what I've been trying to focus on. But now I'm like looking at everything in paper and I'm like, okay, so in 2021 I had my own apartment and I would say 2021 is when the pay advances started. Told me about it.

[A]

You lived outside of home one time in your adult life and you immediately it all. And you're telling me you want to get a mortgage. Well, there's a lot less flexibility. You can't break that mortgage and move in with home.

[B]

I want to go in.

[A]

Older is nothing.

[B]

Me.

[A]

Older is nothing. Nothing. Not a magic switch. Doesn't flip at 25.

[B]

More mature about it.

[A]

You're trying to be more mature. But I. But I see your finances. You absolute. I see your finances. You're trying to be mature is not more mature. In fact, one of your mature things is trying to get on a mortgage with someone you're not even married to and haven't lived with. You think that's mature? No, that is childlike behavior.

[B]

I don't think it's that stupid.

[A]

So you. How long did you live? How. What? We've been through the conversation.

[B]

Okay. Okay. Yeah, well, bring it back up. But I don't really think it's that stupid. But we're not.

[A]

Argue the point. Argue the point. Argue the point.

[B]

It's not dumb. I don't argue the point.

[A]

You absolute creature. What the are you. You cannot disagree with what I'm saying and not be able to argue a point.

[B]

I rather own a home than rent again.

[A]

No, it's about getting on with him. Someone you're not married to and haven't lived with.

[B]

Like I said, I saw this person as a life partner. Yeah, we've only been dating a year, but I could see myself dating a year.

[A]

If you were dating a year but living together for a year, maybe I would talk about it and you know, that would give a little more flexibility. I still prefer marriage first. But you guys haven't lived together.

[B]

I just don't think it's that deep.

[A]

But you don't have an argument. An actual like points you can bring up. Like what I talked about, the risk to it. Oh my gosh.

[B]

I don't understand what you want me to argue. I don't think it's a stupid choice that.

[A]

So you take up from earning. That's not. Yeah, but you don't have a point behind it. You have the headline but nothing in it. Well, look, okay, so you're borrowing from earning every other day on average, it looks like. So, yeah, 15 days a month. Great. What's your minimum payment? I know it's. It's usually spread out to different days, right?

[B]

Yes.

[A]

Okay, but what just stacks up across the month? Because this is endless on the same month every time. So of course you got these lightning fees every time. It's six bucks.

[B]

Yeah. So with earning, it's like a thousand thirty, ten sixty a month. Yeah.

[A]

Okay. Ten thirty, ten sixty.

[B]

We'll say a thousand sixty depending on the tips.

[A]

Okay. So that immediately takes a fourth of your income just about. And you want to get on again. A mortgage. I mean, that blows my mind. You live with your parents right now. You pay rent. You split it with her.

[B]

Yes.

[A]

Would she cover it for a month if you struggled?

[B]

I wouldn't do that. I just can't. She'd be willing, but I wouldn't.

[A]

Okay. That won't happen though if you're in a mortgage situation. No, that bank coming knocking.

[B]

I know, but I have trust in the person that I'm buying it with.

[A]

I'm going to call this guy in the post show.

[B]

Okay.

[A]

I'm going to call him in the post show because I need to learn more about this from his side. This is crazy. Okay, so you lived alone for one year and did you. Was it just one year and you moved back in?

[B]

Yeah.

[A]

One year and your entire life went to. And you think again. This doesn't make sense. You're setting yourself up for failures. Like we can learn from the past about the future. What does your boyfriend think about your financial situation?

[B]

He knows it's bad. I guess he just. He isn't.

[A]

What does he think about it? I'm glad he knows it's bad. What does he think about it? You and answering questions is the one.

[B]

Of the dude, you don't really ask direct questions.

[A]

I literally just said what I don't.

[B]

Know what thinks about it.

[A]

You could have said that. That didn't answer the question. You actual creature.

[B]

You're a gremlin too.

[A]

No, but at Least I can answer questions. At least I try to. And if I don't know, I say I don't know.

[B]

Yeah, I don't.

[A]

What does he think about it? He knows it's bad. That's a thought. That's not a thought. That's a knowledge.

[B]

I don't know what he thinks about it.

[A]

Okay, so he's never told you anything or gave you any advice?

[B]

No.

[A]

Okay. Lies. I know for a fact, based on the conversations that you have had with the producers, that he wants you to get a second job.

[B]

Doesn't want me to get a second job.

[A]

He advises that you get a second job. Yes.

[B]

Advice.

[A]

It means he wants you to get a second job. By the way. Liar. Why the would you just not tell me that?

[B]

Because it wasn't pressed. It's not like he's pressing me to get a second job.

[A]

No, but that's his opinion. That's his opinion. I'm asking, what does he do?

[B]

I had asked after breaking down my finances, I was like, I think I'm going to need a second job. And he's like, yeah, babe, you might need a second job.

[A]

Well, babe, you might need a second job. Why haven't you gotten a second job?

[B]

Because my freaking schedule is your schedule.

[A]

What's schedule? Tell me about it.

[B]

It's 11 to 7 now and then I work every other Saturday. And honestly, thinking about it, I'm like, we're good.

[A]

Work every Sunday.

[B]

Where?

[A]

Fast food.

[B]

I tried doing the Uber eats.

[A]

Uber eats? Hit or miss, depending. Phoenix might be a good city. Okay, maybe not then. Yeah, maybe you're running the area. Right area, right town. But no, work an evening shift somewhere. Walmart evening shift. You just have to curate your resume to make it look like you're not just going to leave when you get a job you'd prefer. That's why people fail when they think they're not. They're getting turned down for being overqualified. No, it's not being turned down for being overqualified. It looks like your resume is like, hey, I'm going to take this for a month and wait till I get a better job. So you just have to curate it to pretend like you actually want to work there and stay there. And you could get an evening job, you can get a Sunday job.

[B]

But, like, are people really just scheduling you on Sunday? I don't believe that.

[A]

Just Sunday. That one will be hard. But you have evenings and mornings open. We've talked. You already told. Told me.

[B]

I just like, it's finding it honestly it's finding it. I haven't looked finding it.

[A]

You haven't? Well, that, that you can't find what you don't look for.

[B]

Because I really don't want to. I don't want to have to need a second job.

[A]

Well, I already see a fourth of your income literally going to earn in a loan. And it is the first piece of paper on a very large stack of documents. And you spend 14, 000 when you bring in about five.

[B]

I don't know where you're getting the 17, 000, but if we go through.

[A]

This, we'll find out. But listen, your earning counts, what you put towards it, what you spend on things, Your rent counts. Now, of course, he had Zelda in of 1805. And we can talk about that and we can add that, say, okay, maybe she made like $6,000 total. Gotcha. 6,500.

[B]

Cool.

[A]

Still spend 17, so it still doesn't make sense.

[B]

Yeah, I don't know the 17.

[A]

Now, in the conversations you had with the producers, it wasn't. You didn't talk about how UberEats didn't work. And I'm glad you're saying that on camera now. Yeah, yeah, yeah, yeah. Shake your head. Yeah, agree with me before I absolutely ruin your life. Anyway, so the fact I didn't mention.

[B]

It first off, I did mention it. I didn't mention that I tried Uber eats.

[A]

I know, but the reason that you stopped isn't what you're saying on camera now to look better in the pre conversation interview. You thought it was beneath you. No, that's what you said.

[B]

I did not think it was beneath me. A hundred dollars for four hours. Okay?

[A]

End quote. A hundred dollars for four hours.

[B]

But mind you, that was like the highest.

[A]

That's 25 an hour.

[B]

That was.

[A]

That's not worth my time. You think it is beneath you?

[B]

All right, then it's beneath me.

[A]

Then you're gonna think everything is like beneath you because you're gonna make less at Walmart per hour. You're gonna make less than McDonald's per hour. You're gonna make less at whatever job we pick up per hour. Most likely.

[B]

I know, that's. It just goes back to, I just don't want to have to have a second job. I don't want to right now.

[A]

It's not working out. And I don't really care about what you want if. What. What do you want more? To get to that future you desire or to just be lazy right now? Cause that's what it's gonna come to at the end. And he also didn't wanna do Uber eats Friday, Saturday nights when you can make some of the best money.

[B]

I know.

[A]

I mean, that's on you, dude. You're not gonna find sympathy for me. People make sacrifices in order to pay bills. That's what we do. Welcome to the world.

[B]

I don't know, I just. I can't after the week. I just don't want to.

[A]

Well, that's why wanting.

[B]

Last thing I want is to Dr. For hours.

[A]

Give up.

[B]

Like I said, I haven't looked, so I don't know who would hire me with the hours that I work.

[A]

We'll see how the budget looks at the end. Oh, there's more earning. Earning 150 bucks at a time is crazy. Oh, she also. Daves, listen, the little cash advance things are actually. You can. You can finesse. It's not the worst as a concept, but it is people like you who cannot use a credit card, who cannot use. Who cannot consolidate debt. There are things out there that are good. Debt consolidation, 0% credit cards. There are things that are good. This is one thing that could be good. But the vast majority cannot use it. And you're in the vast majority. So you're more pay advancing.

[B]

I'm abusing it for sure, apparently.

[A]

Optional fees. Why are you paying optional fees? You're tipping again?

[B]

Yes.

[A]

You're tipping $27.

[B]

Also, they charge like a fee for, like, an express fee and like, I need it immediately.

[A]

Overdraft. You have an overdraft fee on here? I'm Dave. Yeah. An overdraft Dave fee. Yeah.

[B]

I didn't know that.

[A]

Well, now you do. Year to date, you've had three of them. And this is seven months into the year at these statements. Yes, the time of these statements. So almost half the months you've overdrafted. Let me guess, you're just using an investing app that doesn't invest in you. It is time to change that. Right now, Webull is offering up to a 3.5% match when you open an IRA with them. That is real money going into your retirement, not just points or coupons. And that's just the start. Deposit $100 and you get 30 days of Webull Premium anywhere from 2,000 to $10,000 sitting around in your account. Move it to Webull and get $200 in cash. And if you worked your way up to $5 million, that's $30,000 in your account just for moving it over. It is not just about the perks, though. Webull provides the tools that SER investors want as well. TradingView integration. Real time data, zero commission trades. It actually works on all your devices. And now through September 30th, you can stack even more. Get a $100 cash bonus for a $2,000 deposit, plus a 2% cash back on all deposits and a 30 day premium voucher and a 4% APY booster on any uninvested cash. It doesn't get better than this. So stop overpaying for a platform that gives you nothing back and make the switch to Webull. Go to webull.com kaleb or hit the QR code or the link below. Let's get back to the show. You're never gonna get anywhere. Not with this dude. Not with the way you were doing this. And you didn't even know you were overdrafting. And you've overdrafted half the months this year so far.

[B]

Yeah, I just didn't know that.

[A]

Withdrawal Resulting in overdraft, 1800 bucks. Only deposited $1,248 optional fee 27 over Jeffy's 45 this last month, owing a total of 624 by the end. But of course, you owe more on a monthly basis because you borrow more throughout the. So you're taking cash, taking 600, taking 600. What is like the average. The usual amount that you have to pay on this?

[B]

It's usually 624 that I have to pay back.

[A]

That doesn't pay off the whole thing, does it?

[B]

Yeah, that's. I'm really confused about your draft. That's why I'm real confused about that.

[A]

Don't stick a look. Well, you did 600 there, 600 there. So twice in one month. Nope. Three times 600. Okay, so you owe 600. Yes, but multiple times. Because you just take 600, pay 600, take 600, pay 600. No, but then you get out there, you get fees.

[B]

The 24. Yeah, that's why I was like. Like they take the 624 anytime I pay it all back. That's why they.

[A]

I mean, your overdraft fee is likely because of your optional express fee, meaning it pushed you over that $600 that you actually could. So you got double fee. That's what I'm at least reading into this because it happened. Oh, you had two overdraft fe. No, you had three overdraft because the overdraft fees on this are 15 bucks. So you had three that month alone. Three that month alone.

[B]

45 bucks.

[A]

You've had nine overdraft fees on Dave this year? Nine.

[B]

I didn't know that. I really didn't know that part.

[A]

No, you don't know anything if we're talking. If we're being honest.

[B]

But no. Yeah, that one. I didn't even.

[A]

There's another overdraft either. It is. You had four last month, nine this year.

[B]

I don't even know.

[A]

What are you drafts? 624. That's what you certainly owe on it. Yes, but then you immediately borrow it again because you need to. Now, what are you using Dave and earning for?

[B]

Sucking up the check. So then I use that for bills.

[A]

Yeah, but what are you putting it towards? Just bills.

[B]

Usually my car bill, insurance, rent.

[A]

Hey, going out to you was 500. Miscellaneous was $2,600. Trip planner by Expedia. You were made to outdo your holiday, your hammocking and you're pooling. We were made to help organize the competition. Expedia made to travel. So go on. Yeah. What are you using earn in Dave for?

[B]

Some affirms. Paying back. Affirm.

[A]

What are you affirming?

[B]

I affirm a lot. It's like target stuff. Clothes, a purse, concert tickets.

[A]

Oh, my goodness. I mean, I'm being told just based on a story. You told them you've borrowed money to go and get your nails and toes done. Yes, I've used that for rent and bills. That is. Oh, I'm on camera now. Let me look a little bit better because I'm getting called on my. No, you. Then why do you do it? Because everyone does it, so shut up. Yes, it is. That is how this works. I. Believe it or not, I've done this a couple times. Yes. No, it is not just for bills. It is for bull.

[B]

Okay, There's. There's been some petties.

[A]

Yeah, it was about 3,000 hours of bull once you make 4,600.

[B]

I know. I have nothing to say because I don't know. I. I didn't even know about the overdraft fees. I don't understand how it's $17,000 that I'm spending because obviously I don't make that.

[A]

Well, okay, so is this. I don't know what this is.

[B]

It's a third one. It's money lion.

[A]

No, this is a third cash advance. Yeah, Money Lion.

[B]

Money lion. Ah, I know. That one's bad. That one is just a recent One's bad, guys.

[A]

This one's bad.

[B]

This one's probably the worst out of the three.

[A]

What do you owe?

[B]

This one is like. It comes close to a thousand after all the fees.

[A]

How is that worse than 2, 600 on earning?

[B]

Because this one is like just more fees. More fees? Yes.

[A]

Okay, so a thousand. And that's what you owe every month.

[B]

It ranges from like 980 to a thousand.

[A]

Okay. So you just have to pay it off and then you immediately borrow. Now what are you using this for? Remember the last time you we got an earning of a hundred dollars. What did you use that for? So by the way, she takes an earning oftentimes twice a day. Oh my. This is 3500, 7500-1001-0010-0100,100, 100. 35, 50, 30, 20 hundred multiple times a day. What the are you immediately putting it towards? You can only get 100 at a time and has to pay fees on top of it.

[B]

So with money lion, if I don't take it all out in one day, they like lower the amount. Oh, and I need.

[A]

Why do you qualify to the. Well, what? Okay, you need it. Why do you think you need it? How much? Because you. Hey, question. How much do you think you paid towards these cash insta Cash deposits last month just alone? Yeah. How much do you think you paid towards it alone?

[B]

I would say like maybe like 4800.

[A]

Well, that's insane because that's more than you make you creature. But it was $3,859. 81 across all your Instacash payments. Now you have a lot more documents to talk about and affirm is next. But in terms of the instacash. Yeah, yeah.

[B]

Yes.

[A]

Borderline. What is that? $3,859.81 by 4,600. Yeah. That is 84% of your income. Just an insta pays and your pay advancing. That's insane.

[B]

I know.

[A]

I've never seen that. It is rare that I have a first time in the history of the show because money is not that diverse in terms of what you can do with it. You've made history. No, we're 50 minutes in and you've made history. And you said you think you're doing okay because I like pay my bills.

[B]

Yeah, the bills are paid though.

[A]

No, no, no, no. 80, 85 of it or whatever is just pay advancing.

[B]

I told you in the beginning, it's a cycle that I'm stuck in. It's a vicious cycle.

[A]

So that doesn't qualify to me as the bills are always paid.

[B]

Yeah, I didn't know about it.

[A]

Because you're having to take more than you even can because you have to get The Insta just to pay a bill. If we're getting Insta pays just to pay a bill we don't get to brag about, the bills are being paid. Especially if we're overdrafting on that.

[B]

The price are paid.

[A]

Oh, you animal. Shut the.

[B]

It shouldn't really matter how it's getting paid.

[A]

Actually, it really does. Why should it not matter?

[B]

Because it's getting paid.

[A]

But why shouldn't it matter? I would say it matters because it gets stuck in a cycle because you have to pay fees for it, because you're required to tip or take a maximum amount for them to not decrease what you can actually borrow. I'd say it matters because it is eating up 85% of your income. So those are reasons why I would say it matters. Now, can you give me one reason why it doesn't matter? Yeah. You're incapable of giving reasons for anything.

[B]

I was just gonna say because the bills are paid. They're not late. The big bills. Rent, car.

[A]

Oh, the big bills. So just not the bills. Just specifically the big bills.

[B]

The big bills.

[A]

Okay. I'm glad we're extra. We're pushing the goal post on that one, right? Okay. Affirm. Arizona MVD fee.

[B]

I used affirm for my tags.

[A]

So. Your tags? You're affirming your tags? Yes, 247. And I know you need to get your tags. That's fine. That's a little different. Target probably some Sephora. Definitely. Oh, there's so much affirm. This is ridiculous.

[B]

The rest is probably a lot of like. I think there's like Abercrombie Coach, Ticketmaster.

[A]

Poshmark, Booking.com, airbnb, Dicks. Tires. Ulta, listen. And the tires. Okay, maybe, but Ulta, there's another there. There's more. Oh, and then we get your. Your tags and your Target. And Sephora, it's almost all bull. And you owe 2,000. You owe on a firm $1,987.99. A lot of these are paying 5, 6 and are even all just paying fours. Meaning you got interest. That's for sure. No way. You don't. Now, I know they come out at different times, but of the 1987, I'm gonna assume if we most are paying 6, but there's some paying fives and fours and threes and twos. So with remaining for what's worth. But I'm sure the moment one of the two months payment is done, you go and use it on something else because I know you immediately repeat. You understand If I then Take this. And I divided it by, let's say fours. On average, you owe approximately $496.99. With that alone, I mean, mix your earnings, your Davids, your money lines, and then your affirms you do not have money left like this. This is not making sense. I don't even know how you've saved $400, honestly. Well, because you've gone further into debt. You. I mean, you put your wants on a firm which makes you feel like you have more for your needs, so you can put money aside. But really the money that you put aside that would have gone towards fun is just putting on a firm. This episode is brought to you by LifeLock. Between two factor authentication, strong password, a VPN. You try to be in control of how your info is protected, but many other places also have it and they might not be as careful. That's why LifeLock monitors hundreds of millions of data points a second for threats. If your identity is stolen, they'll fix it, guaranteed or your money back. Save up to 40% your first year. Visit lifelock.com podcast for 40% off. Terms apply. And if you're just borrowing from the bank and you're just borrowing from Dave and all this bull, now I have to ask, do you borrow from boyfriend? Mom. Do you borrow from any of them?

[B]

I do.

[A]

Okay.

[B]

Yes.

[A]

And see, that's disgusting. You're going and getting these Tickets and Airbnbs, booking.com. you skims you. That makes no sense. If you're borrowing from your boyfriend and you're borrowing from your mother, how much? How often?

[B]

My mom rarely.

[A]

What's really to you?

[B]

Like 150, maybe every two months. But what we'll do is she'll just let me keep it to put it towards other bills, like the electric bill.

[A]

Good.

[B]

She's an enabler.

[A]

Good. She's an enabler. And the boyfriend? Who?

[B]

The boyfriend.

[A]

Why the would he want to get on a mortgage with you? Knowing your behavior? I have no idea, but go on.

[B]

He knows I'm trying to take the steps to like.

[A]

You're literally not. No, you're not. You're saying you're trying, but you don't put in the action. You are not trying. I never want to hear you use that word again. You're thinking about trying, but you haven't tried. Shut the up. So, go on. How much do you borrow from him? How often him?

[B]

Probably same. Like 150 every two months. But I pay it back.

[A]

So on average, you borrow $150 from someone a Month. And I guess you borrowed it for some tires, but then you didn't actually use it to pay for a tire.

[B]

Yeah. So on the way, what did you use it for? Probably just bought more bull. Probably went out to eat.

[A]

You're disgusting. You're disgusting. He gave you the money for the tires, I'm being told, yes. You lied to your boyfriend? To this person? We're trying to spend the rest of our life with the money that he gave you for something specific, and you go and blow it on Sephora? Dumbassery.

[B]

Yes.

[A]

You're a bad person.

[B]

I told him about it.

[A]

Well, later you confessed.

[B]

Yeah.

[A]

That is what.

[B]

Yeah. In that moment, though. Yeah, it.

[A]

What if you go random dude and you confess it, that means it's okay. No, going behind someone's back is still bad. Regardless. Just because you confess, it doesn't expunge you.

[B]

I know, but I did tell you know.

[A]

Then why'd you use that as a justification or a way to get out of this pushback, you know? No, you don't. You don't know anything.

[B]

In that moment, it didn't feel bad. Like, I didn't. I didn't think it was bad.

[A]

Okay, so maybe you're a psychopath.

[B]

Possibly.

[A]

Definitely psychopathic tendencies. Average customer on a firm owes $736. You owe more than double the average person.

[B]

That's bad. It's really bad. The firm is crazy.

[A]

Yeah, you almost. Oh, three times.

[B]

The thing about a firm is just so easy to use.

[A]

No, that's the point, you actual creature. What the do you think the point is? Oh, there's so much more. We got sp I m G up, Poshmark, more skins. Okay. Travis Scott. Travis Scott.

[B]

Yeah.

[A]

Ulta. More Ulta. Target. More Sephora. This is so moronic. Oh, good. And Klarna's next.

[B]

Klarna's not that bad.

[A]

Well, how much do you owe?

[B]

I believe it's like 400, 500.

[A]

That is bad, though. That is money that you owe. 400. 500. You don't know. Okay, I'll say five, because I know it's certainly different than this. Listen, interest is occurring like crazy, like. Like borderline. It's insane because this is like 36, 37%. That is bad.

[B]

It's not as bad compared to the other stuff.

[A]

Doesn't matter. It's stacking on top of it. Just because something else exists that is bad doesn't make this good. Are you stupid? $125 minimum payment likely on these, if not more. Getting Coach Sephora dolls. Kill and Forever 21, the Dolls kill.

[B]

It's a clothing website. Clothes.

[A]

Okay. You do love clothes. But yet you look like so. I'm so confused. This makes no sense.

[B]

T shirt. I understand how that's so rough. Can't wear a T shirt.

[A]

You can. I would just expect someone that spends so much on clothing to look decent.

[B]

What was it gonna come in, like a ball gown?

[A]

There's nothing in between that. That's interesting. Okay. Wow. We finally got to our first credit card. You are such a disaster. It took us this long to get to a credit card. Because you had worse stuff before it. Yeah, that's bad. And I hope the boyfriend sees this. Is he gonna see this?

[B]

Yes.

[A]

Good boyfriend. Don't even consider getting on a loan with this woman. Not even close. She needs to change her behavior for one, pay off all her debt so that her credit score doesn't carry down, hold down what kind of loan you guys can get. Two, marry her first. Three, live with her first. Four. Then she needs to put in behavior after she pays off the debt for at least six months, proving that she's at least managing her money correctly and able to budget. Do not even consider this for multiple years. Jeez, buddy, there's no way you're gonna be able to get to your 5,000 hours anyway. Like, what are you talking about? Bank of America. Oh, good. We're over the limit. Oh, good. Wonderful. Get in a house, shut the up. How long do you think this takes to pay? Just doing minimum payments only without making any purchases, which, by the way. Oh, you purchased because you're incapable of not purchasing. But how long do you think that would take?

[B]

Like, 20 years?

[A]

Okay, 16.

[B]

Okay.

[A]

But on your pattern, probably about 30, 40 on the way you spend on it, because you paid 1 26. And then a monthly payment at that time. Wonderful. Then you purchased $122. Well, $90 of interest accrued. So the balance went up. And you already started. Already above the limit. And then you went even higher. You're such an actual dumb piece of. With your money, with your money, with your money, with your money. And getting into this relationship in a really weird way. $129 minimum monthly payment with a balance owed on here, 4072 and 23 cents. This year alone, you've paid $526 in interest on this. Add everything up together. And the fees. I'm not. I wouldn't be surprised if you haven't paid, like, 2,000 hours in total so far on everything we've talked about in fees and bull Drafts. You're going in and getting some BS. Getting some BS and doing an Uber trip.

[B]

Yes.

[A]

At 26.24% interest rate. What's up with this card in your mind, in your world? Because again, you started above the limit, then you went even further above the limit.

[B]

That card was only opened up because I had. Did a balance transfer from a Discover card and then, of course, just funding on top of it. So that's how that credit card. The thought was I was going to pay it off because they gave me 18 months, zero interest. So I did the balance transfer and then I never paid it off.

[A]

Tails all the time. Why do we keep doing it? Why do we keep doing it? How many times have you balance transferred or consolidated or taken out a personal loan to pay off something?

[B]

Just that one time.

[A]

Just one time. Good. Never do it again. You're incapable of managing it in any way whatsoever. Incapable of managing it in any way whatsoever. You do not get to take advantage of good tools that can. Yeah. If you cannot manage it. And you have proven in every way possible that you cannot manage it. Another bank of America. You're even over on this one by 63 cents, which is still over. And this one's actually. This one's actually crazy, dude. This one's crazy.

[B]

Yeah.

[A]

This One is at $7,700 and 63 cents. 24 years to pay this one off. Putting your 50s. You'll be in your 50s by the time this is paid off. If you don't purchase and. Oh, we purchased.

[B]

Yeah.

[A]

What's going on with this card?

[B]

I'm gonna just keep it straight up. I don't know. I was just buying. That was one of my first, like, credit cards that you could spend anywhere. And I was just buying stuff. Just buying. Honestly, I believe I bought a laptop on that one when that was, like, back in 2020. So I've just been carrying as much. So I've just been carrying it.

[A]

How long has it been maxed out? How long have these last two cards been maxed out?

[B]

I would say a year.

[A]

But that doesn't make any sense. Because you moved in for cheaper rent with your mom. Why is it getting even worse? 2021, you lived on your own. 2022, you moved back in. Why the. Is it getting worse in 2024-2025? It doesn't make any sense. It goes against everything you suggested before. A potential answer would be, you know.

[B]

I'm looking for it. I'm looking.

[A]

You're looking for it.

[B]

I would say just more money. More problems, maybe worse habits.

[A]

Okay, so you're suggesting you've lifestyle inflated yourself. You haven't with a living situation though. You split it with your mom. So you've bullshit inflated yourself.

[B]

I just bought a lot of dumb.

[A]

Okay, we've already heard that. Oh, my gosh.

[B]

Okay, well, yeah, I bought furniture for our apartment back in 2021.

[A]

Okay, you're holding that on this credit.

[B]

Card and then I think on top of that, the laptop, that was like 800 bucks.

[A]

They sell the furniture or does your mom use it?

[B]

We, we only use the table. Like the kitchen table.

[A]

Where's the rest of the furniture?

[B]

Threw it out.

[A]

Better not. You threw it out. How much did you spend on furniture?

[B]

That was like 2000.

[A]

When did you try to recoup anything? Maybe even just 500. An extra 500 to go to a.

[B]

Card would have been good at that point. I think one of the like, the backs were like broken, so I just.

[A]

Did you have a roommate or did you move out on your own and have to get all of it yourself?

[B]

Yes, I lived with my cousin.

[A]

So you kind of over your cousin too, probably, if you couldn't afford your. Right.

[B]

No, we were really good. The whole point that I knew I was gonna when the rent went up. That's why we moved back with my mom, because I knew I wasn't gonna be able to afford it and I wasn't gonna effort like that. But no, I put everything on my credit card. There's probably more bills, Costco runs, food. They ended up raising my. Not balance your limit. My limit? Yes, they increased my limit and that's when I started buying more dumb.

[A]

Gosh. Yeah, you just. You're not a credit card person. You can't be trusted with credit cards. You cannot have a credit card. I'll give you the fizz card. It's a debit card that builds credit. We'll get you with that. We'll also get you a course, career, certification, help you get into maybe some raises or a potential better job or a second job. So we'll get you set up with those. Okay. But you are not a credit card person. You cannot be trusted to manage credit card debt. You can. You. You do the transfer. It gets. They raise the limit. You just spend to the cap. It allows you to just spend more money. You see a limit on a credit card, you say, I can go spend all of that?

[B]

Yes, I'm like, I'm spend that money. It's like. It's just tempting.

[A]

No, but everything's tempting. Yeah, everything's tempting doesn't mean we go do it. That doesn't make any sense. There's so much tempting to that we don't do.

[B]

But it's there to use, so I use it.

[A]

What is pushing you over the edge to all these spendings? How are you shopping for things? What are you doing? I need to know a little more in your life how this looks. How does your shopping look?

[B]

So before I had deleted my Instagram so I would be on Instagram and it's just like easy to look at things and I'm like, oh well, I have a. I have this much left on a credit card. I can use the credit card people.

[A]

Posting the things they're wearing and stuff. And you're like, let me get that.

[B]

Well, like, like kind of not like influencers, more like I follow the, the brands so they'll release like a new shirt or something. And I'm like, oh well, I can affirm this. I can use my credit card.

[A]

But you deleted Instagram.

[B]

Yeah, I had to Instagram because it was getting expensive.

[A]

Nope. It's because you were stalking your boyfriend.

[B]

That too. I did it.

[A]

See how I led that?

[B]

It could be toxic.

[A]

Why the are you incapable of answering questions truthfully? Like you are not a reliable narrator. If I did not have the answer to the question that I knew you were going to answer incorrect correctly because of your pre interview questions, I wouldn't know what to ask you. I wouldn't know what to believe. I would just believe you and you'd walk away with nothing beneficial because you're a liar. You're a scumbag.

[B]

I'm not.

[A]

You can't answer questions and when you do their lies, it's still the truth.

[B]

I use it to.

[A]

You were stalking your boyfriend and what he was liking and messaging and whatnot and who he was following.

[B]

It was mainly the following.

[A]

Tell me more about that. That this person that you're going to be moving in with and getting on a mortgage with. So yes, it is important. Tell me more about it.

[B]

No, I would just see like there's a new following and I'm like, oh no, it's usually a girl. And I would just get mad. But it was just something to be. Yeah, exactly. I didn't like that. So that's why I was like, let me get off Instagram. I don't know why is it bad? In my opinion, I wouldn't do that. I wouldn't go follow some dude and.

[A]

Then what if it's a random dude? Not an influencer Has Nothing going on. Not an interesting post in a hobby that he's interested in?

[B]

No, that's why. That's. I was like, these are just, like, mutuals. Why? Like, why?

[A]

So they're mutuals.

[B]

They're like, mutual.

[A]

That makes sense to follow.

[B]

Not like friends, though, Just. But that's what I'm saying.

[A]

Like people in your life.

[B]

It makes Arizona that you're just following them. And I was just. It was just irritating because I would. I guess I wouldn't do that.

[A]

What was his relationship with them, if anything? What does he know about them? Are they interested in similar things? Are they in a community together? Are they co workers? Do they know each other from school before? You know, what is it? School?

[B]

Yeah.

[A]

Okay, then what's wrong with that? Because this isn't just a rando that he's trying to get into the DMS then. Because they do have that connection. What is wrong with that? Are you saying I can't because I have a girlfriend? I can't follow Lindsay's Instagram?

[B]

No. Well, see, like, you guys work together.

[A]

Okay, I can't follow someone. I can't follow someone I went to high school or college with. With.

[B]

I just don't see why.

[A]

Why? Because it's fun to see what people do in their life. It's fun to see where people go, what people accomplish, and what people are failures.

[B]

See, that's why I'm off Instagram, because I just couldn't. I know.

[A]

Because you're a freaky creeper.

[B]

Creeper?

[A]

Yes. You were stalking every follow he was doing. What do you think You'd. He shouldn't be with you. You.

[B]

It made me toxic, so that's why I stopped.

[A]

Well, you're a toxic. You're a liar. You creep everything he does. You want to force him. Let's be honest in how she set up this conversation. Let's read into it. I know y' all got ideas, and big ones, too. And maybe it's a short film, a YouTube explainer, a fake ad for an alien run coffee shop. Whatever it is, the vision is there, but the execution. That's where things usually fall apart. Editing timelines, voiceovers, animations. It's a whole production. And unless you've got a full team or 40 hours to spare, that idea is probably staying on your notes app. But thanks to Today's sponsor, InVideo AI, you can now sit in the director's seat and bring your ideas to life, irrespective of your skill level. And with 10 million users across 150 plus countries. It's the only tool in the market that allows you to generate full length videos using generative AI. Say I want a trailer where Indiana Jones discovers influencers at Area 51. Indiana's face is a mix of confusion and shock as he watches the extra extraterrestrial influences. One alien spots Indiana, casually walks over and raises a collab ring light toward him. The alien offers India ring light, talking about space talk, gesturing to join them. I literally just typed it in and boom. Cinematic shots, dramatic music, and a real trailer built from scratch. You want to tweak it? Just tell in video, add my voice, make it funnier, translate to Spanish, change background music. You control everything with simple text commands. You can even clone your voice so every video sounds just like you. Indiana, always the skeptic is drawn into her world of crystals, prophecies and extraterrestrial whispers. It's crazy, right? And the best part, you never touch a video timeline. Invideo does all the heavy lifting while you stay focused on your ideas. You can try InVideo AI for free using the link in the description or scan this QR code on screen. It'll save you hundreds of dollars that you would otherwise spend on editing, animating and other production costs. So whether creator, marketer, or just someone with wild ideas, this is the tool that lets you finally bring them to life. Let's get back to the video. She wants to get him into a mortgage because he can't easily walk away from a relationship if anything is wrong. Because she said if the lease ends, it is an easy out.

[B]

Yes.

[A]

You are trying to trap this man and you lie to him endlessly. And they're telling me that you lie to him about money.

[B]

I do. Well, the main thing was like.

[A]

Well, we had that purchase that you had behind his back that he gave you money. You're controlling your life. Liar, manipulator, a gaslighter, a stalker. You're a bad person and you're probably a psychopath.

[B]

I can be psycho.

[A]

No, a psychopath from a lytical, clinical way. Not caring about the emotions of other people.

[B]

I don't think you're licensed to say that though.

[A]

I'm not, but I'm Elise. I'm on my show where I can give my own damn opinion. Yeah, and I wouldn't be surprised. Don't need to be licensed to call you a piece of. And you certainly are. And you're trying to trap this man.

[B]

If that's what it looks like, then I guess I'm trying.

[A]

No, that's what you've set up with your own language. You specifically said it would be an easy out when at least ends.

[B]

It isn't easy.

[A]

So you want to get into a mortgage with him to trap him.

[B]

Like I said, we both have a goal. To buy a house. Why not buy it together?

[A]

But if you're gonna. No, no, no. Because I'm not bringing up that plan. I'm bringing up the easy out. If you have no intention to leave him, then you having easy, that wouldn't matter. So clearly the only easy out you're worried about is his easy out.

[B]

Yeah.

[A]

So you're trying to trap him into a mortgage.

[B]

It's just the way you're wording it.

[A]

No, this is based on what she said. Is this not based on. I'm getting some nods. Yes, this is based on what you said. You're bad in relationships, aren't you? You get a little too intense.

[B]

I can be intense. Yeah. I'm a little. A little more clingy.

[A]

Yes, you're clingy, but honestly, you're. You take it to the next level. You're a bit stalkerish. You clearly shown it online. Oh, come on.

[B]

Stalker's a little.

[A]

If you had find my of him, you'd be obsessively checking it. I know for a fact. Come on. What are we doing here? You're not even willing to wait till marriage to protect yourself because you're so afraid of him leaving. You have a fear of him leaving? You have a fear of him leaving.

[B]

I do.

[A]

Be honest. I do have a fear of him leaving. There we go. It is adding up. Come on. Come on. You cannot deny this, but at the.

[B]

End of the day, it's not about that. It's not wanting to lock.

[A]

I don't have a fear of my girlfriend. I don't have a fear. No. I don't have a fear of my girlfriend. No, no, no. You're making it harder for him to leave, though, because that's what you specifically said. You told me earlier in this conversation within the first 30 minutes. It is harder to leave a relationship if we're on a mortgage together. So shut the up. You cannot backtrack that now. I'm not afraid of my girlfriend leaving because I feel secure in my relationship because we love each other. I don't need that endless affirmation. And I don't need to stalk who she's following. And I don't need to see her on Find my. We don't even have each other on Find my. And I don't need to Force her onto a loan with me because I'm secure in my relationship. You're an insecure weirdo. Yes.

[B]

Insecure. Yes. Weirdo.

[A]

I don't know. Oh, come on. Your behavior is ridiculous. So on here you went in and got some bull. $1,000 of interest occur on this card alone this year. 166 in interest this last month, 25.24 interest. That brings us to maybe like $4,000 in total that you have lost this year. You have lost nearly a month's worth of income in interest alone so far. And we haven't even gotten through all your debt. Discover what's going on with this card.

[B]

I did the balance transfer and then I bought more stuff. It's literally just like buying it and just keeping it. Wait, and then just.

[A]

Okay, so this is the one that your balance transferred from. So here it is, ladies and gentlemen, textbook example. As always. If you do not change your behavior before a consolidation, before paying off with, you know, a personal loan or before a balance transfer, you yourself. Because she built it right back up with probably we're being honest. I mean that's what you've self confessed this entire conversation.

[B]

So it's definitely.

[A]

Yeah, this is 10 years to pay this off. Now you have double the debt. Debt. And that's what happens when you consolidate or balance transfer. You just yourself and that is all you've done. Interest just that month, $53. Well, okay. Your balance, which I didn't get is $2,433.54. Minimum monthly payment, $74. Total interest this year, 314. So at that, now we're at like $4,300. Just losing everything just for the sake of spending on bull. Then you're double spending. Macy's. You have a Macy's card in 2025, dude.

[B]

Yeah, that was my first credit card ever.

[A]

Macy's.

[B]

Yes.

[A]

Okay.

[B]

I like to get like Christmas gifts with Macy's. Macy's, yeah, they have good stuff. They have like fragrances, they have jewelry.

[A]

Macy's.

[B]

Macy's. Yes, Macy's.

[A]

Or 90s mall shopping while we're spending on it. No one's shocked. Oh, she's at 2507.90 with minimum monthly payment of 89.6. I hope you're able to reflect on your behavior and relationship and the way that you are manipulating this man, gaslighting this man, lying to this man, and trying to trap this man. I don't think you fully see it. I hope you watch this back. Whether or not he sees it and calls you out. And I hope he does. And I hope he potentially runs or gets you corrected, but hopefully corrected before run. But even still, I hope you're able to reflect on this because you're a bad person to be with. With.

[B]

Well, yeah, I wouldn't want that's.

[A]

To be with yourself.

[B]

Well, yeah. That's also why I don't want us to get married yet. Because I see all this and I.

[A]

Don'T want to get on a mortgage.

[B]

Well, yeah.

[A]

Dude, why do you think that's so insignificant? You think you're able to just walk away from that? You're locking yourself in for 30 years, dude.

[B]

I know.

[A]

But without an equity position plus a minimum payment that neither of you could pro. Possibly afford on bring your own with your debt situation. So Macy's. Why are you still spending on it? 13 years to pay off minimum payments only without doing any purchases. And we know she's incapable of that. Especially when it comes to Christmas.

[B]

Yeah, it's usually at Christmas. But what I did spend. I want to say I got like Clinique or something. Some face wash. Kevin, Is that face wash?

[A]

But it's. We don't even know if it's working. You're so caked up. Kylie Cosmetics. Clinique Treatment and Kylie Cosmetics Lips.

[B]

Yes, yes. Lipstick.

[A]

It's not even an upper lift to put it on, bro. $369 in interest this year so far. You kind of got the Tom Holland, though.

[B]

Damn, bro, you're just coming from my lips.

[A]

Yeah.

[B]

You're so rough. Yeah, you're still a boo boo little gremlin. Grimmel.

[A]

I accept it.

[B]

Grimmel.

[A]

So now we're talking 4,000. Just about 4,650. See an interest alone this year. That is a full month of your income gone in interest this year. Boyfriend, you seeing this? 33.49% interest. Sake.

[B]

That's high sake.

[A]

Oh, my gosh. We continue. Okay. We continue. What is this, Victoria's Secret? Okay, what's going on with this card lady? Oh, you're maxed out just like every other card. What's going on?

[B]

That one's not maxed out.

[A]

It's maxed out. Oh, you're right. It's $20 away. Shut the up. It's maxed out.

[B]

Anyways, that same kind of vibe. They started off, I bought like a few Victoria's Secret things. But then you can use that card anywhere. So then I use protection fee. Anyway.

[A]

The fee is not required. You signed up for it. You can call to cancel at any time. This fee is not a requirement. It is a program that you are on. And you have lost $56.85 this year so far. It is going to be $100 a single year that is gone and taken from you. That could go towards debt, including this debt, which would help pay it off.

[B]

In, you know, 10 months that the account assure.

[A]

Well, not 10 months. I'm talking about what you lose in a year. What. But it would speed up the process dramatically. Why do you have it? What's the point? No, they asked you if you wanted to sign up and you said yes. Come on. Yeah, well, interest 166. Now we're at like 3,000 or $4,800 for the year. 28.85 this last month. And $56.85 of fees this year minimum to payment $40. And yes, maxed out. She would have spent on it, but there's really not much to spend on there, so good luck. 35.99 interest. What are we doing? You just have some of the worst interest rate ever. You're just. You're. You came on here to break records and, man, we're getting in terms of how many documents we have. Look at this. Look at this. Why did you borrow 400 at 7.5%? What is this even for that I.

[B]

Used for rent because I was gonna be short on rent.

[A]

This is a balance assist loan agreement from bank of America just to pay rent. What rent? Rent with your mom? Yes, that. Rent so that you can go out and spend on Victoria's Secret in makeup and dumb. Which I guarantee you, by the way. We calculated your miscellaneous spending. Remember? We have more to go through. You spent like 2,500, right? Is that what it was? Miscellaneous spending, 2,600 going out to eat 500. And yet you had to borrow 400. No, you spent 500 going out to eat. 500 going out to eat, and you're spending 400 to pay rent. You. That is ridiculous. You are essentially paying 7.5% interest just to go to McDonald's or wherever you go out to eat. That is what you are doing when you should be in there putting the fries in the bag to make more money. When was this?

[B]

That was, I want to say, May or June. Beginning of May.

[A]

It just happened. What happened that month?

[B]

I don't know. I really don't know. I was just. I wasn't gonna have the rent money.

[A]

Well, you probably owe, I'm gonna say about 200 bucks left. You got payments of like 135?

[B]

Yeah. They split it up in three payments, so I. I owe 135.

[A]

Yeah. But then you just all of a sudden, now you have to pay the 135 this month, and we don't have enough for rent, so now we have to take on another loan just to do it. And you just go, go, go, go, go.

[B]

Told you.

[A]

Oh, my goodness. She lied, guys. She's a liar. She's an actual bad person. That is impossible.

[B]

For that, I already know what's going on.

[A]

Well, what. What?

[B]

On the tattoo.

[A]

The first time you took this out was for a hand tattoo. Show me. Okay. It's pointless.

[B]

Yeah.

[A]

The first time you took this out, when Was that then?

[B]

2022.

[A]

Okay.

[B]

Yeah. That was the very first time I ever.

[A]

Taking this out monthly then.

[B]

No, no. So they don't allow you to take it.

[A]

You can take it out three times a year.

[B]

Yes.

[A]

And you do?

[B]

I do.

[A]

You've taken it out two times this year already, and the year is only halfway over. What was the first time this year for.

[B]

I think that was for a trip like, just have extra cash on animal.

[A]

You have no respect for the dollar. You don't understand what debt is. You do not understand what interest is, what minimum the payments are. With this debt, there's no way you can afford a car above 12. Above $10,000. What is this car? What is the car? You have? 20, 21 Honda Accord.

[B]

That.

[A]

How's the condition in miles?

[B]

The miles are at like 42 hundred.

[A]

Okay. Not the worst condition.

[B]

Pretty good.

[A]

Okay. $12,229.38. Minimum monthly payment, $514.82. Still 25 payments. Wait, they caught you in another lie. What's the other lie? I'm not understanding. Wait, how many miles did you say was on it?

[B]

Like 42, 43. It's under 50 for sure.

[A]

I think you may have just misspoke when you said 4200. Yeah, it's 42,000.

[B]

Yeah, sorry. Yeah, 42,000. Sorry. It's under 50,000.

[A]

I'll give you credit for that one. I think that was just a misspeak.

[B]

That. That was. Yeah.

[A]

Okay. What do you think the car is worth?

[B]

I want to say when I saw.

[A]

It, this isn't even private sale. Trade in is about 19,773. So you actually have an equity position in this car. And in fact, what I would do is actually. Yeah, trade it in.

[B]

I wouldn't because of the interest.

[A]

Okay. She's not willing to.

[B]

The interest rate. No, That I feel like is a good want and a good need.

[A]

No, because here's the thing. You actual. Hear me out, hear me out. The thing is, you know, what's a better interest rate than whatever interest rate? This is zero. And if you trade this in, we save up a couple thousand dollars. Instead of getting a house, which is the most dumb thing, you can get a ten thousand dollar car in cash. And it would be a good car. That's what my Jeep Cherokee was worth. I just gave it to my brother, but that's what it was approximately worth. Great car. 2019 Jeep Cherokee, fantastic. Safe, good, reliable, you know, battery issues here and there, but that's fine. That's like a couple hundred dollar fix every few years.

[B]

No.

[A]

Yes, because that takes, that's a. Because that's a zero percent interest rate. But even more important is that brings you this 514 minimum payment, which by the way, you cannot afford in all this. You've already done. Your budget's already broken. That takes that 514 that you can funnel towards the debt and pay off quicker. You can get a hundred cord in a few years. When you're in a better position. You do not get the luxury of having whatever you want right now. You have to do this. It is not an option. This is just financial sanity.

[B]

I know.

[A]

And if you're not willing to, if you're not willing to, this conversation is done. Because you're not gonna do anything. Because this is the easiest thing you could do. This is free money.

[B]

It's just the way I view it. I was like, the interest rate is.

[A]

Good, but you're gonna be at zero.

[B]

But like how many? How many? Like no, the car breaks down, what is that going to be like the.

[A]

Same thing with this car?

[B]

It just sounds scarier if I'm being honest. It sounds scarier. I don't have like a rainy day fund if something goes wrong with that car.

[A]

What if something goes wrong with this car?

[B]

It's under like warranty.

[A]

Okay, so listen, even on a used car you can purchase a warranty. I don't necessarily suggest.

[B]

So that's my.

[A]

But if that's your big fear that you know, I have a solution for you. Save up an extra couple thousand and it gets you there. But listen, even at a low interest rate, we can use that. When it comes to finessing versus paying it off early versus investing in the market, it. That's the end of the conversation. Right now we're trying to get the minimum payment off your plate so you can funnel this towards other debt. So you can knock down your debt if you want to get to a house. This is one of the things that you can use to accelerate that progress. Okay, so next $1255 in this checking account. It's definitely not the worst. I'm okay with that being the balance is a decent safety balance. So much money went out, though. So much money went out. Oh my gosh. Okay. Yeah. It get all. All the money is earning, earning Dave, Dave, Dave earning money Money line, money line, money line, money line for days. This is insane. This is insane. Those are just the incomings. Then out. 3 Minute Express insta cash payment. Pure Heart, Church, Society6.com chipotle Total wine and more. Amazon. Klarna Chick Fil a doordash. She's doordashing right after making her car. You basically clarnane doordash is what you're honestly doing. Dave Membership. Apple reoccurring. Uber. Amazon. Affirma firm. Affirma firm. Affirma firm. Affirm, affirm. Debt. Arizona debt of revenue.

[B]

Oh, yeah. Paying back taxes.

[A]

Oh, she owes taxes. What the Grandma and Pizzeria. Arizona Department flavor. Whatever. This is all bull. Just look at it's. Guys, look.

[B]

Oh my God.

[A]

Just look. Tapped on camera Take a look at this. This is all. Man, what a pointless life you're living. You're not accomplishing anything. You're not getting anywhere and trying. You try to tell me you're trying to fix it. No, you're not. Shut the up. You don't know what trying to fix it even means. You've never tried in your life. Netflix, Starbucks. In n out. Starbucks. Getting some BS. BSBS. Clara Forever 21. Starbucks, Disney Plus Klarna doll kills Sonic Applebell and Chipotle. BS. What are you stopping in and getting to the gas station every day?

[B]

Usually. It's like a Red Bull. A water buy in bulk.

[A]

You actual dumb tit. BS Dave. BS Klarna. Airbnb. BS Apple Bills, Church, Buffalo Exchange. Instacash repayment. Texas Roadhouse. Goodwill. Klarna coach. You're carnie coach.

[B]

Yes.

[A]

Oh, animal. In and out. Klarna Kohl's Chick Fil a BS Chick Chick Fil a BS Water Burger, Wingstop. In n out. BS Subway. Fourth wall dot com. Isn't that just supporting like creators and stuff? Yeah, you can't even support yourself. Shut the f. You can't. You are an animal. Apple. Amazon. Amazon. Amazon. Affirm, affirm, affirm, affirm, affirm, affirm, affirm. What are you? You are and then Planet Fitness, @t. Earning, earning, earning, earning, earning, Earning, earning. Curleaf.com Zell Zell Earning, earning, earning, earning, earning, earning, earning. This is a mess of a life. 34 cents in savings. Stellar. You're incredible. Maintenance fees just to have that savings. That's great. Life insurance?

[B]

Yes.

[A]

On who?

[B]

On myself.

[A]

Guaranteed. To who?

[B]

Like who's the beneficiary?

[A]

Yeah.

[B]

My mom and my brother.

[A]

Okay, I guess. But you're paying into it. Yeah, what's the point? This doesn't make sense. That doesn't make sense for you in your life.

[B]

I know. What's your monthly on that one's 50.

[A]

Bucks on that one. Are there multiple.

[B]

No, no. Yeah, that is 50 bucks.

[A]

Count value is $891. Open your phone. The, the. The fact is, it's not that I don't want to make a budget. I would make you a budget, I would, but I just added up your minimum payments as it's your entire income. So that's not taking into account rent, food, blah, blah, blah, blah, blah. So it doesn't matter. The reality is, I mean, yeah, sign up for the budgeting app, go through the educational programs, especially the budgeting program first, and then the debt program, go through all those. You need to go make more income or go through bankruptcy, but change your behavior first before you do, or else you'll end up right back here. Just like the credit card transfer, balance transfer. So there's those few options, but at minimum, you need to get a second job, get rid of the car. And that car payment gives you a little bigger wiggle room, but not after rent. And all of a sudden you're down 500 there alone before we even talk about groceries. So right now you need to go bring an extra 1,000, $2,000 a month or you need to let all this go to defense. Fault your credit. You're not even considering getting a house. You're not considering getting a house. Regardless, good luck. Or change your behavior, go through bankruptcy. You're just so far in the hole that you gotta. You're gonna go have the 60, 70, 80 hours a week to work just to even have this a chance. Because your debt, minimum payments alone with the cycle you've gotten yourself in is your income. That's before rent, food, anything else. So that's what I would recommend. You're gonna have to take some extreme measures and it's working your off beyond what you think you're worth or whatever that you're above or beneath. It is trying to ask your mom if your rent can be a little lower for a bit. That's not even what makes a difference here. Change your behavior going through bankruptcy, but house isn't even in the consideration for minimum 10 years. Sorry. Hammer Financial Score Join us in the posture I'm going to call the boyfriend. I have a lot to tell him. Let me tell you. Join that Hammer leap a little. But let's get this Hammer Financial Score okay Spending our budget overspend 0 out of 10 debt, no collections, but as bad as you can get without actually she owes tax money which is how much?

[B]

It's like 1300 out of 10 emergency.

[A]

Fund nothing in savings 0 out of 10 retirement life insurance at least you try to do something. I'll give you a 1 out of 10 there. Real Estate 0 out of 10 Hammer Financial Score round it up to 0.5 out of 10. This conversation is going to produce. You already know it. So make sure you join Hammer Elite in the comments below and download the Dollar Wise budgeting app and take your free trial today. I'll see in the post show. Listen, I got to tell you, your relationship with this lady is deeply concerning to me. She confessed to me that she would rather get on a mortgage with you because she's afraid of you leaving and it would be harder for you to leave. She is literally trying to debt trap you. You Exclusive Members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.