"High-Value Woman" Is Actually For The Streets | Financial Audit

Summary

Financial Audit – "High-Value Woman" Is Actually For The Streets | Financial Audit

Host: Caleb Hammer
Guest: Harmony, 28, Fort Worth, Texas
Date: July 25, 2025

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Episode Overview

This episode features Harmony, a 28-year-old self-described "cosplayer" from Fort Worth, Texas, whose financial life is under scrutiny by host Caleb Hammer. With biting wit and characteristic bluntness, Caleb confronts Harmony’s spending, debt, and career choices—delving into personal responsibility and the consequences of living without financial discipline while relying on parental support. The conversation oscillates between tough financial realities, generational attitudes toward adulthood, and a heated debate around self-worth, independence, and societal expectations.

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Key Discussion Points & Insights

1. Quitting Without a Safety Net (00:52 – 04:47)

• Harmony's Background: Recently quit her Starbucks job of 7 years due to health reasons (suspected POTS), a “terrible week”, and poor management.
  • She had no subsequent position lined up; currently trying DoorDash, but doesn't know how sustainable that will be.
  • Host’s take: Quitting without another job secured, especially in her precarious financial state, is called out as “irresponsible”.

“You were there for seven years. You could do another three months to set yourself up for a better position.” – Caleb (15:28)

• Failed Financial Planning: Even while considering leaving, Harmony spent recklessly—over $500 eating out and ~$300 on miscellaneous purchases.
  • Caleb criticizes the decision-making: “If you have $500 in medical debt, you don't spend $500 on going out to eat. That’s how math works.” (12:48)

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2. Debt Spiral & Parental Subsidization (05:06 – 17:55)

• Debt Breakdown: Harmony's debt started with a roommate failing to pay rent, ballooning from $8,000 to $23,000 (credit card, car, some medical).

  • Despite living at home (rent- and grocery-free for two years), her debt has only increased.
  • Minimum credit card payments are not progress: “Your debt’s only gone up. … That’s just a lie.” – Caleb (18:09)

• Financial Avoidance:

  • Admits to not tracking her account balances or spending, with Caleb remarking: “You live at home, there is no overhead. … That is unexcusable.” (13:04)

• Enabling vs. Support:

  • Caleb argues her parents enable her fiscal indiscipline by not holding her accountable or being aware of her actual debt.
  • Harmony insists her parents’ ignorance isn’t enabling, but both the host and show notes disagree.

“If they know you have debt, they should be encouraging proper behavior … They are subsidizing you at 28.” – Caleb (17:11)

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3. Personal Responsibility & Mental Health (21:48 – 24:44)

• Health vs. Planning: Harmony discusses POTS as major obstacle but admits to not proactively arranging accommodations or understanding her own diagnosis.

  • Caleb presses on personal responsibility: “The fact is there is personal responsibility in this that you are not willing to acknowledge.” (22:35)

• Excuse Loop: Every critique of her spending or planning is met with justification or future promises.

“Any amount of pushback I give you, you say, 'Well, I’m going to change it in the future.' That means nothing.” – Caleb (62:16)

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4. Societal Expectations, Dating, and Self-Worth (38:38 – 47:07)

• Parental Enabling: Family dynamics discussed; Harmony says she’s the “favorite child”—Caleb is incredulous as both she and her sister live at home well into adulthood.
• Dating Prospects: Strong focus on self-assessed “catch” status versus lack of career, debt, and severe lack of adult independence.
  • Host harshly debunks her belief that having “standards” justifies being single for years.
  • Raises the “High-Value” and “Trad Wife” internet discourse, as Harmony performs cosplay but lacks financial or relational stability.

“Who’s going to look at you and be like, ‘There’s that deadbeat … absolutely no career progression or ambitions. Yes, let me wife her up…’” – Caleb (18:38)

• Delusional Self-worth:
  • Caleb critiques Harmony’s self-perceived “value” as not grounded in real accomplishments.
  • Harmony pushes back repeatedly: “I think I’m attractive… I think I’m a catch.”
  • Caleb: “We all think we're so much more than we actually are. That's it.” (46:12)

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5. Budgeting Ignorance & Flawed Solutions (61:01 – 81:44)

• Spending Patterns: Even with a near non-existent income, Harmony routinely overspends on DoorDash, coffee runs, cosplay supplies, and travel—rationalized by impulsive "you only live once" thinking.
• Recent Big Expenses: Multiple maxed out credit cards, including $7,000+ for a Scotland trip while deeply in debt and a previous 19-day Europe trip.

“Not everything is about money, but you’re able to do the experiences with money… Now you’re not able to do any experiences like the experience of moving out and being an actual adult.” – Caleb (55:26)

• Budgeting Attempts:

  • Harmony admits she only started budgeting days before the show, attempting to offer this as proof of change.
  • Caleb dismisses this as post-hoc image management: “If I was going on the Biggest Loser… dieting a day before they came on, that is not indicative of what my behavior actually is.” (29:08)

• Questionable Debt Planning:

  • Harmony proposes cashing out her 401k to pay off debt—Caleb forcefully warns that taxes and penalties make this financial suicide.
  • She doesn’t grasp the math implications: “Would you take out a 20% debt to pay off your debt?” – Caleb (79:40).

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6. Caleb’s Final Take & Big Picture (67:18 – end)

• Societal Responsibility / The Leech Debate:
  • Caleb accuses Harmony of embodying the “leeches” in society who will burden the taxpayer as they age and continue to avoid adulthood.
  • He makes a distinction between those who simply fall victim to illness, and those who compound it with bad decisions.
  • He forecasts a future where Harmony (and people like her) will be the subject of viral posts lamenting old-age employment, with no contextual awareness of their lifelong choices.

“It is people like you that bring down the rest of society. … I hope we can take this as a moment to change your life around so that you are a productive member and that you build the rest of the community up with the rest of us. But right now, you are nothing but a leech.” – Caleb (71:10)

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Notable Quotes & Memorable Moments

• On Quitting Without Saving:
  “You could have put in another three months as you looked for another job, you stuck it out for seven years.” – Caleb (24:44)
• On Parental Subsidization:
  “If they actually cared about you, they would kick you out.” – Caleb (20:06)
• On Excuse-Making:
  “You will always excuse yourself out of something. That is how you live.” – Caleb (53:44)
• On Debt:
  “Your debt’s only gone up. … That’s just a lie portion and then it got went back up because of other expenses that I made.” – Harmony (18:09)
• On Self-worth & Dating:
  “The only thing you catch is a DoorDash order. That's all you get, man.” – Caleb (52:22)
• On Ignorance:
  “You live in ignorance.” – Caleb (59:08)
• On Travel While Broke:
  “19 days in Europe on credit cards is madness.” – Caleb (64:52)
• On Financial Solutions:
  “You creature. … The quicker I can get away from you hearing your voice, the better.” – Caleb (80:40)
• On Personal Agency:
  “There is personal responsibility in this that you are not willing to acknowledge.” – Caleb (22:35)
• On Objective Self-assessment:
  “We all think we’re so much more than we actually are.” – Caleb (46:12)
• On Societal Burden:
  “I’m going to have to pay more in taxes to take care of failures like you.” – Caleb (67:18)

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Important Timestamps

• Intro/Banter: 00:00 – 01:50
• Harmony's Job Quit & DoorDash: 01:22 – 04:47
• Debt Backstory (Roommates): 05:06 – 07:36
• Spending While Jobless: 12:08 – 13:07
• Parental Enabling Discussion: 16:00 – 17:55
• Spiraling Debt & Spending: 18:03 – 29:48
• Budgeting, Europe & Scotland Trips: 53:55 – 65:28
• Self-worth/Society/Dating: 38:38 – 47:07, 56:02 – 56:36
• 401k Cashing Out & Math Mishaps: 76:42 – 81:44
• Harsh Societal Commentary: 67:18 – 71:10
• Episode Close-Out: 89:01 – end

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Conclusion: Tone and Structure

The episode is a quintessential "Financial Audit" — a mix of tough love, blunt humor, and hard financial reality checks. Caleb Hammer’s style is confrontational and sometimes harsh, but his challenge to Harmony’s worldview aims to shake her out of a self-defeating, excuse-laden cycle. Harmony, by contrast, often rationalizes her choices as self-care, the pursuit of experiences, or a product of bad luck and health, maintaining high self-esteem that’s rarely matched by her actions.

For listeners, this is both a cautionary tale of ignoring personal finance basics and an exploration of how generational attitudes, family dynamics, and modern self-image can intersect with—and sabotage—financial independence.

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If you’re struggling with similar issues, this episode is a wakeup call: honest budgeting, accountability, and sacrifice—not escapism—are at the heart of financial health.

Transcript

[A]

To watch episodes of Financial Audit a week earlier, Check us out on YouTube. Who would date this?

[B]

I've seen people with way worse habits and way worse debt. I'm not going to lower my standards.

[A]

Of course not. Which is why you've been single forever.

[B]

I'm not going to settle for less. I know.

[A]

I agree. Congratulations to that. But the people that would be there will never want you.

[B]

It is not that bad. Of debt.

[A]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday, and for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of [e-mail] after that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

[B]

My name is Harmony, I'm 28 years old and I'm from Fort Worth, Texas, and this is Financial Audit.

[A]

Why does your name and your location have to have so many Rs in it? That is very. I asked, like, racist towards your mouth.

[B]

I asked that every day of my life. Honestly, it is such a mouthful.

[A]

That's what she said. What do you do in Fort Walp? Sorry. Okay, well, that's the one. One time. That one time. Had to get it over with. Please go. What are you doing?

[B]

Currently do not have a job as of last Monday. I quit my job. I was a Starbucks barista for seven. For seven years. And I just.

[A]

Oh, this is going to be so hard not to mimic. Okay. Gosh.

[B]

Feel free to. Honestly.

[A]

Okay. Why did you quit your job? Your Starbucks job?

[B]

I was there for seven years and I went through seven store managers.

[A]

Okay, well, yeah, it's. It's, you know, working in food service. People come and go.

[B]

Yeah, well, he. He was awful. And I've gone through my fair share of awful store managers. And after, like, we had a terrible week and I was just. I was done.

[A]

You're just hitting them. You're hitting every word you could possibly hit.

[B]

I can't hear it.

[A]

I can.

[B]

I cannot hear it at all.

[A]

So I'm sorry, I haven't processed anything you said.

[B]

I.

[A]

Okay, yes. Okay. They suck. And you left.

[B]

So I resigns. I just straight up resigns and see.

[A]

People say quit, but. Because resign has an R in it. Hope. Well, I did.

[B]

I wrote my letter of resonation and I gave it.

[A]

Stop.

[B]

I wrote my letter of Resonation and gave it to him. And I said, here, like, I'm. I'm done.

[A]

Ladies and gentlemen, this is going to be a hard one. This is going to be a hard one. Well, I'm glad you like it.

[B]

I think it's hilarious.

[A]

I mean, like, why did you quit? What was the actual reason you quit?

[B]

All right, so it was a mixture of health reasons. I have pots and. And it was just getting real bad. It's. I can't. It's a acronym. I forgot what it stands for, but it's. But I have pots. And so it. I was getting, well, like, worn out because I go eight hours a shift and I don't. I rarely get breaks. Like, I sit down maybe for.

[A]

Just stop talking. I'm so sorry. Stop talking for a second. It's not fair. It's not fair to you. It's not fair to you. This is more words have Rs in it than I've ever recognized in my life. Yeah.

[B]

And then you hear someone speak, and.

[A]

You'Re like, oh, so what are you gonna do if you have pots?

[B]

Then I would like to look for, like, an administrative job or something where at least it's not as.

[A]

Certainly not customer service.

[B]

Yeah. So I have been applying a lot to city jobs, like, in. Where I live locally. There's been a lot. There's been a lot. I've been doing that. In the meantime. I'm doing doordash.

[A]

Can you survive off of DoorDash? I mean, Fort Worth is, you know, people do.

[B]

I prefer not to. That's not what I.

[A]

But you prefer not to. But I mean, we're asking if you're surviving. You prefer not to survive?

[B]

I prefer not to do doordash. Like, survive off of doordash alone. I would like to actually find.

[A]

Okay, but you are. Are you surviving off doordash at the moment?

[B]

I mean, I've only been out of work for a week.

[A]

What do you think's gonna be coming in from doordash? How many hours are you putting into doordash?

[B]

I don't know. I just started. So. Yeah.

[A]

Would you quit before I know the pot situation?

[B]

Yeah, I.

[A]

That certainly sucks. But you were. You were. You were able to put up with it for years?

[B]

Yes, for seven years.

[A]

We could have started, at least waited until we got a job for an office.

[B]

And that's what the plan was, is I had it lined up while I was, like, on my way out. I wanted to find a job. I was applying to things, and then crap hit the fan with My.

[A]

When did you decide to quit?

[B]

Last Sunday, and I quit Monday.

[A]

So you didn't allow yourself to actually think about it?

[B]

I did. I processed it. And why. It's been. I have been thinking about it for the last three weeks before.

[A]

Okay, so, okay, you think about it for the last three weeks before.

[B]

Yeah.

[A]

If you're thinking about it the last three weeks before, why in the last three weeks before did you spend almost $500 going out to eat? Why did you spend almost $300 in miscellaneous? Bullshit. Why did you spend that much money on dumb. Three other large purchases? $500. If we're considering quitting, we don't have a job lined up.

[B]

I wasn't.

[A]

No. If we don't, it's. No. What? What?

[B]

I didn't know how much I was spending. I don't look at my account.

[A]

Yeah, but you're considering quitting, so that's when we started changing things. Right. Okay, I understand.

[B]

I started to. I started the change, like, slightly. I was doing better at not eating out so much, but then, like, I.

[A]

You're considering quitting and you didn't have a job lineup? How are you paying for rent?

[B]

I don't pay. What?

[A]

You don't pay rent? I live with your mommy. Yes.

[B]

I live with my parents.

[A]

Nearly 30. Right. Okay.

[B]

I did. I moved out. I moved out with my neighbors and I moved out with a best friend of mine. I moved out with them.

[A]

Okay.

[B]

And that was bad. They did not pay. When we had a neighbor.

[A]

Did not pay rent.

[B]

Well, it was my best for me. Moved out with my best friend and we.

[A]

Yeah, best friend. Okay.

[B]

Yeah.

[A]

Okay.

[B]

So I meant. I don't know why it's a neighbor, but we moved out together. It was me, her and her fiance, and it was like $1200 rent a month and then with utilities and she had a job lined up and then she quit her job and she was like, okay, well, I don't know if I can make this month's rent. And I was like, okay, well, I will cover some and you can pay me back later. That never happened. She never found a job.

[A]

Her fiance was to say, you can't live on your own doing that last job. And then you wait and you get another. Maybe you get another roommate. But what's to say?

[B]

Well, I. So it put me in about $7,000 worth of debt because I was using my credit card at the time to pay for rent.

[A]

Was she on the lease?

[B]

Yes, she was.

[A]

And on the lease that it specified that you guys would be splitting. Yes, okay, then there we go. She would have been held accountable.

[B]

I didn't know that, actually. I didn't know that she.

[A]

Well, it depends. The language within the lease.

[B]

It was. I don't know.

[A]

You were paying your rent on time, correct? Your described rent or was there the rent for the apartment?

[B]

It was just a rent. We were all three signed on the lease, but there was a total rent for the apartment. And so.

[A]

Okay, that's different. So that's. Then you guys decided what, to split. Now the fiance. Why wasn't the fiance stepping up and helping?

[B]

He worked part time and he just wouldn't.

[A]

And are you saying all the debts you're in, all of it, is because one person didn't pay rent?

[B]

I wasn't in debt until I moved out with him.

[A]

Like, okay, but was it all because someone else didn't pay rent?

[B]

It started that way. Yes.

[A]

Started that way.

[B]

And then. But then I was like, okay, I'm in $8,000 worth of debt. I don't know how to deal with it. I didn't know what to do and I kind of just buried my hand in the sand like an ostrich and just didn't deal with it.

[A]

You're in 23,000 dol. Dollars of debt. So obviously it's not just the $8,000 of credit card debt that was picked up from.

[B]

Some of it is medical, some of it is like a call loan. So it's not all.

[A]

A car is good.

[B]

Yeah.

[A]

And we. I didn't calculate medical debt into that.

[B]

Maybe it's not calculated into. I thought it was the care credit, like a minimum part though.

[A]

That's such a minimal part.

[B]

And then I have also had to put dentist like expenses on that card.

[A]

Which is a minimal part.

[B]

No, not in credit. On my Chase. I've had to over the. Like, I think in may I did $1,000 on my.

[A]

So what are you doing now then to actually pay this off? Obviously you're not. Right.

[B]

Well, I'm paying, but I'm not doing a whole lot.

[A]

How can you pay? You have no income. You just quit your job without anything lined up. What do you mean I'm paying? That doesn't make sense. You're not.

[B]

Well, I'm paying the minimum at the moment.

[A]

You don't have an income.

[B]

Doordash. If like, I will figure out Doordash.

[A]

You got a week. You don't know how much is coming in?

[B]

No, I don't, but enough.

[A]

You have a stock portfolio, but looks like that's going to have to be Drained in order to survive which congratulations of building something up certainly behind for your age but you've at least showed that there's the ability to put some aside.

[B]

Yeah, I mean I know it's bad. I know it looks bad for a.

[A]

Driver like that is seeing about 16 to 17 an hour and I don't even know if that's before expenses or after because you have to put in you know in terms of rotating your tires or even getting new tires that comes quicker maintenance has to be more catching to do more oil changes. Gas is certainly expensive and by the way you have to pay self employment taxes on those.

[B]

I mean I'm not going to be doing doordash the whole time.

[A]

How do you pay minimum monthly payments if you don't even know how much is coming in? How can you guarantee that you're able to pay the payments and that we're not taking.

[B]

I'm looking for another job. Still looking.

[A]

You should have been looking before you left though.

[B]

I was. I've applied. How long were you for about three months now.

[A]

Okay, come on then you could go at least another three months because now you've just abandoned everything and now you're.

[B]

Putting yourself in a with the way the management was with how bad he was. I rather have a peace of mind.

[A]

Okay go to a different Starbucks.

[B]

I couldn't for worse unfortunately has some more why? Because I actually got a write up and within when you have a write up you can't transfer for like six months to a year depending on.

[A]

Why'd you get a write up?

[B]

I first time I actually ever got a light up seven years but I got a new phone it had an update system like security system I didn't realize when it does that if you don't unlock it the alarm didn't go off so I was supposed to be up at 4am My alarm did not go off. I slept through it woke up two hours late and with how long does.

[A]

It stay on your record?

[B]

Can't remember A couple years.

[A]

So for two years of showing up late once for what would have been a reasonable manager would have at least.

[B]

Understood because I'm a. I was a shift lead and so with that I delayed the store opening so that was that. Yeah yeah so because I lost money and yeah I agreed with the decision it sucked but that was.

[A]

Well listen if you're making median 16 to 17 an hour for the driver in that area and the livable wage that we're seeing the livable wage is considered about $23.86 an hour in Fort Worth, I'm assuming out of 40 hour a week. And who even knows how many hours a week you're putting in at your median hourly income for a driver in that area.

[B]

So.

[A]

So you owe your parents nothing ever. How long have you lived at home?

[B]

Two years.

[A]

Two years. Then what is wrong with you? Then I. Then honestly, everything you just said has been completely negated. Listen. 8,008. No, one second. If you got 8,000 hours in credit card debt, I can empathize. That from a roommate not paying a rent. And I understand if the entire pile was douche for a second. I can understand that. But if you live at home for the last two years and you didn't have these high. If you didn't have overhead, then you pay down debt. But that's only gone up to 23.

[B]

I did. So what the.

[A]

That. What the. Because that's even worse. You just made that even worse.

[B]

Worse because now get tired and then.

[A]

Other things is not all medical. I see you're spending.

[B]

No, but yeah, then you're not going.

[A]

To just lean on medical. And I don't want to hear about medical because obviously I wouldn't call that out. It's the bull.

[B]

I was paying like 300 to cover for like insurance.

[A]

Nothing.

[B]

No, no, no.

[A]

We don't have an overhead.

[B]

Yeah. No. To my payments for like 300 for like insurance and things. And then I asked. I asked.

[A]

You can afford that when you live at home and don't have any rent?

[B]

Well, because I don't have a job right now. So I asked if I could last two years though.

[A]

You did.

[B]

I mean, I was paying them. Yeah.

[A]

Then there's no issue. I don't understand using that as an excuse. Please try to tell me what the.

[B]

Fuck you're talking about. I did like. So at the moment I'm not paying my parents. Like I was.

[A]

We know what came in. What was spent. What was spent? Because last month, I mean, payroll. 2000. Okay, so what was spent. What was spent? The month that you knew you were going to be quitting because you're considering it for about three weeks and then decided on Sunday and then left on Monday. Go ahead. What was spent? 2,000 came in. Please. Living at home. Living at home with no overhead. What was spent where we should be focusing on paying off debt.

[B]

It was about 2000 when I looked at it.

[A]

Yeah. That's really interesting. It's about $2,763.38 exactly. So what the is wrong with you? That's not Medical expenses. That isn't medical debt. That isn't paying for a roommate over two years ago.

[B]

500 was.

[A]

Doesn't matter. Doesn't matter. Then you cut back on other things. If you had $500 in medical debt, you don't spend $500 on going out to eat. That's how that works. That is how math works. You live at home. There is no overhead. I bet they even cover groceries.

[B]

Yes, but I do also buy my own groceries.

[A]

But they do pay for groceries.

[B]

Yes.

[A]

Mm. But that is unexcusable.

[B]

I want.

[A]

You will never be able to move out again. You shouldn't even be considering quitting if you are already spending more than you bring in when you're bringing in money.

[B]

I don't regret quitting at all. Like that's not as you should.

[A]

And that's a mistake that you don't regret. It means you haven't learned a single thing. However, it's only been a week and maybe you'll see the consequences of your actions soon enough.

[B]

I prioritize my physical mental health over a job, which. I mean seven years. I was there for seven years. It's not the thing.

[A]

You were there for seven years. You could do another three months to set yourself up for a better position. Guess what? You can't prioritize physical and mental health when you don't have the income to be able to pay for physical and mental health services.

[B]

My physical health, like those cell types.

[A]

Of mental health services, costs money.

[B]

But I was bedwin several times because I wasn't able to do the job.

[A]

They didn't write you up for that?

[B]

No, but he was like, I'll cut back your hours. And he wasn't. He never did. Like, this was a conversation we had repeatedly about things he needed to fix or things it was that before or.

[A]

After your write up?

[B]

This was before.

[A]

That's when we transferred. Because you're an adult and you have the ability to.

[B]

It wasn't that bad until after though.

[A]

Okay, then it sounds like we are changing our tune and pushing the goal. I mean, it's steadily further.

[B]

It's been a consistent thing with the job of him progressive.

[A]

There we go. Then it sounds like we should have switched. Listen, you have a bad manager. You switched before the write up. When was the write up?

[B]

It was probably March.

[A]

This isn't working. You had time. How long have you had this manager?

[B]

Since December.

[A]

I understand he progressively gotten worse, but as you start to see signals and especially if he is telling you that he is not going to. If he tells you he's going to cut hours for your health and he doesn't. And you specifically told me that that started to happen before you got written up. You transfer. That's on you.

[B]

When you go through seven store managers, you see progression food service, but you never know how the one can start out bad and be great.

[A]

Welcome to the service.

[B]

So you don't know until it hits the fan.

[A]

Dude, this is the most food service thing I've ever heard. We all know this. Anyone that's ever worked in food service? I was at Jimmy John's for like three years. This is. This is incredibly common. This is just this kind of. You have personal responsibility in this. Yes. He was a manager. That sucks. You had personal responsibility on this.

[B]

Well, it's done. So it's done.

[A]

But what your. Your response to it. That isn't what needed to be done a week ago. You could have put in another three months as you looked for another job, you stuck it out for seven years.

[B]

Listen, it just hit a head.

[A]

I agree. Physical health and mental health, it does suppress a lot of things. However. However, when you get to the point where you are still clearly able to demonstrate that you were able to do the job, you work the hours until you can get another job. Because now you are delaying your life substantially. You are delaying your ability to move out. You already were. By spending more than you brought in.

[B]

But I'm not planning on moving out.

[A]

Right. Yeah. Let's live at home forever with mommy and Daddy. Come on.

[B]

I mean, until I get married. So I'm totally fine with.

[A]

And we have a fiance.

[B]

No.

[A]

And we have a boyfriend.

[B]

Nope.

[A]

So we're mommy and daddy's little failure, it sounds like.

[B]

I mean, my parents are totally fine with me living at the house.

[A]

Right? They're enabling you.

[B]

They're not enabling me.

[A]

They're enabling you. They allowed you to leave your job and they allowed you to spend more money than.

[B]

They didn't allow me to do anything. They can't.

[A]

They allow you to do anything. There it is. Yes. They can say you can't live here anymore.

[B]

They can, but they haven't.

[A]

Exactly. Which means they are enabling you. Listen, I mean, that is what this is showing. The fact that they allowed you to spend $2,750.

[B]

I mean, they don't know what I spend. They're not.

[A]

Well, that's another a joke thing. Do they know that you have debt?

[B]

Yes.

[A]

Okay. If they know that you have debt, they should be encouraging proper behavior around you. Getting rid of that debt in order to live there because they are subsidizing you at 28, it is not necessarily bad to live with family. I'm not suggesting that. However, the circumstance and context around all of it is what is important. And let's look at your behavior as you.

[B]

They don't, they don't realize how much debt I am. Like they know I'm in debt. They just don't know how.

[A]

They are responsible parents. They would have those conversations because again, they are subsidizing your life.

[B]

Well, I'm an adult, so why would I.

[A]

They are subsidizing your life. It is not you and an adult. They are subsidizing your life. You're right. They shouldn't know. They shouldn't ask. If they weren't literally subsidizing you. But because they are allowing you to live there at 28, they should have some knowledge so that they make sure they are not enabling bad behavior. It is not getting knowledge so that they can be involved in your life, involved in your personal life so they can get in and control you. It is not that. It is so that they have some kind of understanding of at least what they are supporting. It's a baseline. They should get a baseline. It's not going through every purchase, but it's like oh, what kind of debt do you have? Oh, okay, hey, you live here rent free. Let's focus on paying that off and let's make sure we're not just support off. But you, you spent $2,750 when you have no rent, no groceries.

[B]

But they don't know that. They don't realize how much I've been spending.

[A]

And you can't also tell me that you're trying to. Cuz you, you're not. That's a literal lie.

[B]

I've paid a couple of it off. Like not off, but I've been paying.

[A]

Girl, your debt's only gone up. I don't, I don't give a.

[B]

Well, like that's just a lie portion and then it got went back up because of other expenses that I made.

[A]

Yes. Going around and now she's gonna say medical debt. Boohoo. A couple hundred dollar medical debt that pops up when you don't have overhead is affordable.

[B]

I mean I did have another thing.

[A]

You cut back on bull though. That doesn't matter is the point.

[B]

I mean I like, I like coffee. I like having that stuff. It makes me feel nice.

[A]

And you like never moving out and never being independent. No offense. What? Let's just, let's just talk about the dating pool, this goes. This isn't just a man looking at a woman, because this could be a woman looking at a man. But let's do the man looking at a woman in this situation. Who the gonna look at you and be like, oh, there's that deadbeat that has never paid off debt, lives at home, spends more than they make, has absolutely no career progression or ambitions. Yes, let me wife her up. That sounds like someone I want to spend the rest of my trad wife.

[B]

Like, you know, stay at home could do that.

[A]

You look the opposite of a trad wife. You're wearing a fishnet.

[B]

Yeah, I don't want to be a trad wife.

[A]

Okay, well, there's also that. So.

[B]

But like, you know, like, I was in debt the whole time. Actually was really good at finances up until the roommate situation.

[A]

I don't give a. Why that means nothing to me. Your roommate situation ended two years ago. You're not going to go five years ago. I don't care.

[B]

Because I'm like, that's why I'm here.

[A]

There it is. Catchphrase, ladies and gentlemen. She had it.

[B]

Because I need help with. With how to manage it, how to handle it. Because once I got.

[A]

No. What do you think this conversation is? It's me trying to get your mindset, understand where you are. You don't have to tell me why you're here. I know why every single person is here. Not every single person needs to come out and announce why they're here. Let me guess. It's because you need help with your finances. Oh, who would have thought you came on financial audit because you needed help with your finances. Thank you for announcing it. Why are we having this conversation? I am trying to understand your mindset and I am also trying to teach you why. That you being enabled by your parents is clearly not helping. And you are showing it as a.

[B]

Do you want me just to move out and then like with all the debt.

[A]

I'm not saying that it is your behavior while living there. The fact that they are supporting it is bad. They should probably kick you out. If they actually cared about you, they would kick you out. Or.

[B]

And then I would say more debt.

[A]

Because you wouldn't change your behavior.

[B]

No, because I wouldn't be able to afford with right now, even with having a job I wasn't able to afford.

[A]

How many hours a week were you working?

[B]

I was working about 36. I was getting an average 2,036.

[A]

That's unacceptable. If you can't afford to live, you're.

[B]

Working more, I could walk more with my health.

[A]

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[B]

Whenever I.

[A]

Tell me exactly what happens.

[B]

Okay. I get nauseous. I will pass out on the floor. I actually have passed out before. I get so weak that I can't.

[A]

You've been applying for jobs more than just three months before. If you were there for seven years and you knew this was an issue, you have personal responsibility in this.

[B]

Well, the pots didn't actually start until.

[A]

Okay, when did you start noticing this?

[B]

About three years ago.

[A]

Okay, so you had three years to do this.

[B]

And I've been slowly over time, but it pops.

[A]

Last three months.

[B]

Listen, I like pots. You goes into a remission. So I was like, okay, I'm fine. Nevermind. Well, you just told me.

[A]

Meaning it goes into remission.

[B]

Yes.

[A]

Which means it can come back.

[B]

I didn't know it went into like. I didn't know that was a thing. I thought I had pots. And I was like, okay. I think changing my diet. It went away. It was great. I had no idea that it could come back. Listen, I didn't know much about.

[A]

I empathize with this. But the fact is there is personal responsibility on this that you are not willing to acknowledge that people are out there probably like, like they'll be like, oh, she's a victim. Oh, look at her. No. We have to recognize the personal responsibility. I can empathize with the positive thing. And that sucks. And that really does suck. We then have to say, okay, this is our situation now. What do we do? Do we give up or do we do something? What's to do something? If I'm diagnosed with something, I am talking to doctors and I'm reading books to further understand it. The fact that you did not know anything about your own condition, about that simplicity of relapsing coming back is on you.

[B]

Yeah. And it's because, like, the fact that.

[A]

You had it for three years and you did not apply for jobs that would get you off your feet is on you. The fact that you had POTS is not on you.

[B]

Super hard to diagnose. That's why it's.

[A]

But you were diagnosed for three years.

[B]

I haven't been officially diagnosed.

[A]

I mean, when were you officially diagnosed?

[B]

I haven't been officially diagnosed yet. I'm. I am going through the process of fcing doctors.

[A]

How long have you been in the process?

[B]

Since about three years.

[A]

Okay.

[B]

Yeah.

[A]

But you're confident to say it's pots?

[B]

Yes.

[A]

Okay. If you were able to confidently say it was pots, then then you would know to get off your feet. It is not your fault and your responsibility for having pots, but it is your fault and responsibility to then do something about what your life looks like around it.

[B]

So I quit my job.

[A]

So now you have nothing lined up because you decided within three weeks when you had three years. Come on.

[B]

But I already did it.

[A]

Three.

[B]

Three.

[A]

Three. Three years of knowing it. Three months of looking for a job. Three weeks of knowing you were going to quit and had nothing lined up. It is just triple threes of just honestly doing this the wrong way. And you are showing this as a very clear example. Again, I am not saying you are bad for having pots. I am not saying you are bad for wanting to quit. I would have encouraged it. You are bad for how you went about this and you were putting. This is a very clear financial audit example of how not to leave a job situation when you cannot work at a job. And the fact that you are not willing to accept that is mean.

[B]

I know. It was a badge by standby. It's because of everything. Like, I do not regret it.

[A]

You should. Because you should regret it and say you would have gone about it in a different way.

[B]

I guess we'll find out in a couple weeks, but so far I have not.

[A]

The fact that you don't regret it and you wouldn't gone about it in a different way does not line up for success in the future that you will not repeat these mistakes again when the next thing.

[B]

I mean, this was the first time I've done it and it's been seven years. So I think that's like the first time I've ever like just up and quit a job.

[A]

How many jobs do you apply to? A gym?

[B]

I applied only to a couple a day. There isn't a lot of job at the moment in Fort Worth.

[A]

Object as far.

[B]

Oh, God. I mean like, as far as. Like that I'm qualified for that I can.

[A]

What are you qualified for? What's your education?

[B]

I don't. I have a ged. I mean, I ged. I have a high school diploma.

[A]

Good enough because. But you have seven years in a management position. Yes, in food service.

[B]

And I've applied previously, I applied about 20 different jobs through LinkedIn and Indeed. And about 20 and I've had none.

[A]

Are you talking about.

[B]

I've heard none of it back.

[A]

No, it should be applying to 20 an hour to try to hear back. It is a tighter job market, but traditionally it is still considered in a normal job market. It is not 2021 where you could walk in and get any job in any company. It is back to where it is, but it's not. If you think this is bad, you have no idea what a job market is like during a recession.

[B]

No, I don't. I mean, I. I haven't applied for a job in seven years, so I have no clue.

[A]

So again, this is basic, basic education stuff. You can look at job interview. You can look at job interview on YouTube.

[B]

I have been. And they've been.

[A]

Well, there we go. So what is the. I didn't apply for a job in seven years. Like, I don't care.

[B]

Well, mean, I've been.

[A]

You have so many resources.

[B]

I've been applying like I've applied to.

[A]

Now hiring positions are 8,800 on. Indeed. For Fort Worth, Texas, there are 64,987 job openings for now.

[B]

Some of them are probably.

[A]

But Even still with 64,000, I've only.

[B]

Ever got back from two jobs and they were both MLM job. They were insurance companies and they were ML. Yeah, I got.

[A]

Well, listen, I mean that's what happens when you apply to 20. 2020 is unacceptable.

[B]

I thought that was like the average of what you. Like average a lot. I don't know. I considered that a lot because, like.

[A]

Why would I give a. What you consider.

[B]

Well, I mean, you're saying like, that's ridiculous. But I had no clue. Like, it's 20 jobs. I think.

[A]

You don't think the more you apply to, the better chances you'll hear back.

[B]

And I am. I'm continuing to apply. But you've applied 20. Yeah. And I feel like that's quite a bit to not hear back from anything.

[A]

No.

[B]

Because back when I first started applying to things, I did, I think only five, and I heard back immediately from most.

[A]

Yeah, but you're doing food service, like Starbucks.

[B]

I was. I was applying all sorts of things before.

[A]

Okay, well, you took Starbucks, so clearly the other ones that don't work out.

[B]

Anyway, because it was the highest paying.

[A]

Mm. And just service industry, which I don't even know if you can do that. We are seeing at least, indeed, 19,000.

[B]

Open there, and a lot of them are service industry. And I know that's the hard part because the administrative ones aren't. I don't have a qualification.

[A]

But you essentially have to decide, and you can go either way. I will support you and you can decide what you want to do. Doesn't mean I think it's necessarily right. But here's what you get to decide. I'm a victim forever. Okay. Go get on disability. Good. Living forever.

[B]

I don't think you can with pots. I don't think pots.

[A]

I don't even know.

[B]

Yeah, I don't know if that's pots.

[A]

I don't even know. But you could at least start seeking out services and give up, go for it, live a horrible life. That's up to you. If that's what you choose. You're a human. I'll support you. Or you decide, okay, I'm gonna stop complaining and being a whiny little. I'm gonna go out there and actually get out. Instead of 20 job applications in the three months that I've decided, I'm gonna look for another job.

[B]

I don't have a job. I am trying to apply to more like, anything that I can get into, because before I.

[A]

20 in three months. So 20 divided by three divided by average of what, 28 days. Okay. You've applied to 0.2 jobs a day. You're doing really well. You're doing accurate, fantastic. You're really just on track for living the career of a lifetime and what you want to do.

[B]

I mean, and now that I don't have a job, I am like, being like, okay, I really have the luxury to really pick and choose now. It's been a week.

[A]

And also, you have to make at least enough Money to pay your minimum payments and not blow all your food. But you, I mean you don't budget.

[B]

To save your life Today I did not today. Yesterday I did like do a ghost treat.

[A]

I'll tell you. I do not care. I do not care. No, no. I do not care what you did yesterday. That, that was the day becoming on financial audit. If I was going on the biggest Loser where they lose weight and I started dying it a day before they came on.

[B]

You didn't get any statements of that you have this.

[A]

Why would. But why would I want those statements? Why I do not.

[B]

I didn't do it because of financial lady.

[A]

I don't give a. I don't care. I do not want to see what you've done once you knew you were going to be on the show where I would call you out. I want to see what you've done right before you were on the show because that is what real you actually does. If I was going on the dieting show and I started dieting a week before I went on the show, that is not indicative of what my behavior actually is.

[B]

Well, you're not going to like probably.

[A]

No, listen, what happened, this conversation with and what I have on this note as well is like. Which means you prank to me and you brag to the producers separately that oh, I applied for for a job at a local city and I hope I get it. That's not how jobs work. I'm glad you're excited about that. But you do not get to apply for a job and then just wait and see what happens. You have to apply to every job ever.

[B]

I didn't just stop after that. I've continued applying but that was just what I saw pop up and I was like, oh cool, that's a neat position. Let me go ahead and apply to it.

[A]

So tell me then, what is your plan until you get a job for income? The number one YouTube membership just got upgraded and for this month only you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit post shows exclusive and uncensored financial audit episodes. Our call in show hammer it out then take the train. And brand new shows fat and fatter there is. I would go off brand behind the audit.

[B]

This was wild.

[A]

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[B]

Well, I don't want to do only.

[A]

Okay, well, that's good.

[B]

Yeah, I've had. Neither do I. I've had people ask me that and I would like not to do that. I like to stick to doordash.

[A]

People have asked you?

[B]

Yes, I'm a content creator and so I've had people.

[A]

Yeah, well, we're not plugging your.

[B]

No, but.

[A]

No, but what content do you create?

[B]

I'm a cosplayer, so I do a lot of different cosplay. I do a lot of different cosplays. And so.

[A]

And they've asked you to put out the boobs.

[B]

Oh, yeah, absolutely. I get.

[A]

You never have.

[B]

No.

[A]

Good. I would like not recommend going down that rabbit hole. It helps that you live at home, but again, they aren't enabling your ability to just spend infinite amount of money when you don't have it.

[B]

I mean, at least I don't have yet, so.

[A]

Oh, my God. Since. See, look, I even. They read that because in their notes, which I didn't review before coming on here because I go in blind. They also thought from their onboarding conversation with you that your family is enabling you. And they have a specific note in here that you don't think so. The fact that we all called that out separately, that shouldn't say something, lady.

[B]

I mean, they don't know the extent of everything. So how are they enabling if they don't know?

[A]

They're not willing to find out.

[B]

They just leave.

[A]

They don't even.

[B]

Busy.

[A]

Exactly. They're just leaving you alone. Letting their daughter fail in life, that is enabling you.

[B]

I mean, I think. I think I'm like.

[A]

There's multiple ways to enable bad behavior, lady. It's not just them knowing everything that's happening and allowing it.

[B]

I feel like I'm the favorite child, so it's like the others are okay.

[A]

What?

[B]

I'm doing better than the other. I feel like I'm doing it.

[A]

You're doing better than the other ones. Are literal addicts under a bridge? What are you talking about? Because that's like the next step.

[B]

I mean, I don't want to throw them under the bridge, but yeah, I think I'm doing better than them.

[A]

So, I mean, possibly in no way. You're jobless in horrible death.

[B]

I just became jobless, though. I had a job for seven years. That was.

[A]

Sure. But now you're jobless. You've lived at home for the last two years. Couldn't live on your own. You're incapable of speaking. How are you the one that is better off than them?

[B]

My sister still lives at home as well.

[A]

Oh, for sake. Okay. Yeah. Your parents are not good at this. At this part. They may be nice. They might do a lot of things. They're.

[B]

Sure.

[A]

I probably have great parents in a lot of way. They are bad.

[B]

I mean, she is the younger sister.

[A]

But yeah, they are bad at so converting their kids into adulthood.

[B]

My brother's an adult.

[A]

Congratulations.

[B]

Married and moved out, guys.

[A]

33% success rate.

[B]

That's one out of three. It's not too bad. Could be worse. I mean, it could be a worse. I mean.

[A]

Yeah.

[B]

That means we're so yet. So. I think it could be.

[A]

Yes. Why are you saying yet?

[B]

I don't want to do so.

[A]

Why the did you say.

[B]

Well, I mean, if I. If it gets to the point that I like really have to with finances. But I don't. I don't want to do that.

[A]

Stop.

[B]

That's why I'll continue playing though.

[A]

Your plan is to get married to someone you're not even dating yet, and that's when you're going to move out and be okay.

[B]

He has a. Yeah, he could be. Which girl?

[A]

You can't even stand up the dating applause. You've given up all the Starbucks benefits like college being paid for.

[B]

Yes. And I did consider that. Yeah. I was part of asu, which again.

[A]

I would have put. You're already a part of a college.

[B]

Yeah.

[A]

So you were going to school.

[B]

Yes.

[A]

You gave that up because that would have been a much easier way to transition into a new job field.

[B]

Yes.

[A]

And of course I'll gift you a course career certification to help you get into a career field of your choice.

[B]

But yeah, I is in the. I mean, I just started last year, so I already knew.

[A]

Great. So 1/4 of the way. That's great.

[B]

And so that's why, like when I.

[A]

Could have done summer classes and you could have sped it up.

[B]

Yep. And that was the plan until.

[A]

Oh, dude.

[B]

Why still manager and everything?

[A]

Throwing away your life?

[B]

Well, I mean, I'm applying to. Before I left, I was applying to jobs specifically that had two issue. Reimbursement and college education. That way I could continue without taking out a debt that's still my plan, but obviously.

[A]

Okay, I got to get into your finances. I'm going to look at your resume by the end of this conversation. Actually, I'll look in your resume in the post show and I think I'm going to call your parents and confront their dumb in the post show. It's a very nice paper. Thank you.

[B]

My mom's looking at my dad. My dad might be available.

[A]

You interrupted me talking about paper which was much more interesting to me. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best, 0.5. If you want your financial score, take the assessment. It is free. You can take it at calebhammer.com or dollarwise.com and make sure you sign up for the Dollar Wise app. If you do not want to be like a guest who comes on the show, take your free trial now sign up for the annual version and I'll sign our budget friendly cookbook and mail it directly to you. And if you want to take advantage of all our educational programs and the premium version of the budgeting app, all you have to do is sign up for Dollar Wise Central which saves you [e-mail] and don't forget, if you want to come on the show, go to calebhammer.freedom cards insane and preventing all ability of freedom for you. I mean, this is crazy.

[B]

I did not realize the inch the interest goes up on that. I had no clue.

[A]

What do you mean? What do you even mean by that?

[B]

So it's now at 28 interest. When I opened it up it was at 2%.

[A]

Yeah, it's variable. When rates go up, it goes up. When rates go down, it goes down. It was probably at 30 and now it's down. It's probably gone down.

[B]

I had no clue that that was a thing at all. And because I was doing about 300 monthly payments and the interest I think was like at 48 at the time. So it's going down 8 like $48. Like the interest occurring on things. So I was paying it down and then one day I realized that it kept going up and that's when I realized, oh, it's a question.

[A]

This is out of pure ignorance and I'm going to look like a piece of. But I need to know why in the brain are you just twist your tongue up. It's up here. Twist your tongue up to the top of your mouth. I can't do it. Why does. Why does your tongue going like this convert into Wa wah?

[B]

Because the odds don't Blow sound the exact same in my head. In my head. I cannot tell the difference.

[A]

Yeah, but just put your tongue up even if you can't hear it. Yeah, there you go.

[B]

Road.

[A]

Whoa. She got an R. Guys, I've solved speech impediments. She literally did an R. I'm going.

[B]

To say with certain words, but you missed it again. Especially if it's in the middle of a ward. It goes. I have no clue. I don't hew it.

[A]

So you know it exists. So you just train it. So go eh. Instead of ooh.

[B]

Trust me. I've spent hours trying to solve this. If you could fix it, that would be.

[A]

I just did. I did. You did it.

[B]

But it comes and goes, it fluctuates and I have no clue. I'm not the only one. I'm just one few. My other coworker had it for a while. Fix it did.

[A]

She sit down with me and I left.

[B]

She left. But she. When she was working with us, she had it and they could understand.

[A]

Well, it just takes the payoff. If you only do minimum payments and you don't spend on it, which by the way, you're incapable of not spending.

[B]

It was I think 20 years.

[A]

23 years. Yeah. So you'll be no retirement. Still living with the parents. If they're alive. Hopefully they are.

[B]

Hopefully by that time I have a.

[A]

Husband again who would pick. I'm sorry, I mean this isn't based on your personality.

[B]

I think I'm a catch. Like I cosplay and stuff and I'm into nerdy stuff. So I think I'm. I think I'm a catch. Trust me, not all guys look into finances. Like, not all of them are there with it. You are, but not all guys. I've met some pretty interesting guys.

[A]

It would be out of desperation, would it not? Like again.

[B]

Yeah, but I'm not, I'm not getting.

[A]

Not even knowing your finances. You are careerless, living at home. Who's choosing that to be their.

[B]

I mean I want a career and I'm going to pursue. That's why I have asd done.

[A]

The only opposites you've left your job that paid for.

[B]

My mom didn't get a career until she was like 45, 50. Like. Yeah, about 45 was when she went back to school.

[A]

So it's a just consistency of failure throughout the family lineage.

[B]

Okay, well that was, that was dude, like to poverty and other things like them. Like they what? What? My parents grew up like poverty stricken and things and had to like dig their way Out. So it took a while.

[A]

You didn't.

[B]

So yeah, I was. But I mean.

[A]

So that excuse does not apply.

[B]

I mean I grew up with through it. But I. I like spending. I just, I like. Well like I like buying.

[A]

Who is picking a discord kitten that does nothing but cosplay doesn't work, doesn't have a career, has that a lot.

[B]

Of people actually it'd be a desperate person.

[A]

I'm sorry. Listen, and if you, if you were in a better spot, just this. And this isn't, you know about anything. It's not about hobbies, it's about anything. Let's just say you were paying off your debt, you had a career, you were going.

[B]

I mean, I was going to pay off my debt.

[A]

You do not. Oh, you're so annoying. If you were paying off debt consistently, you were spending properly, you had a career and you didn't live at home. Then yes, I could see someone wanting to date you. But who the would date you right now and for the last two years?

[B]

Why? I like I said, obviously I'm here because I have debt. And that's part of the reason why like I. I want eventually when I get married, I want to be debt free. I want to go into that obviously not, not anybody probably right now that I want. So that's why I'm on the show.

[A]

Great. So not only would no one choose to move, but you're also picky about it. I love those. I love those.

[B]

Most people do.

[A]

Well, you don't have standards in your own life, so I don't know what you're talking about. The only thing you have a guy.

[B]

With guy is like, well, thank goodness.

[A]

So it sounds like we now have a zero percent chance. I mean, I'm sorry, It'. It's just based on your situation. It's not even based on you. I'm just talking about how you're living your life. Who would date this on paper? Just the paper.

[B]

I could find somebody that doesn't know about it.

[A]

When's the last time you had a boyfriend?

[B]

I only have ever had one boyfriend.

[A]

Exactly. So that was incorrect. Huh?

[B]

Like I said, out of choice because I'm picky.

[A]

Exactly. Which means this is not working. Your standards are not working. Your life is not working. None of this is working.

[B]

They don't know my finances.

[A]

Like, which is even worse because once if someone actually who met your standard and was actually into you somehow slipped through, I mean I could tell that very.

[B]

I would tell him.

[A]

Quiet. Let me get my thoughts through you. If someone Just was over your standards and you were just under theirs and they slipped through. They slipped through that small crack and they didn't know. Then they saw this, they would run. So even if someone actually accidentally slipped through, they wouldn't stay.

[B]

20,000 is not that bad of debt.

[A]

It's how you are doing it and not making any progress. Except for the last week before going on.

[B]

I've seen people with way worse habits and way worse debt.

[A]

They have something that makes up for it. They have a career, they have a house. They're societally, objectively attractive.

[B]

They're, you know, I think I'm attractive. I mean, because the.

[A]

Some people find me attractive. I wouldn't say I'm societally, objectively attractive. Come on. Some people are going to find you attractive. Do you fit that societal moat? No, neither of us do. That's okay. We can accept it. We can accept reality without being offended and being sad. You're incorrect. I'm sorry. This is just societal, right? Let's just like there's, there's objective, like we don't belong on Love Island. Doesn't mean other people don't find us attractive, but we're allowed to. I'm so sick of this.

[B]

I mean, in the class, there's not.

[A]

Participation trophies on objective like societal metrics. Right? It's like, I'm sorry, like the, the whole, the. This whole ecosystem of people being like, oh, you're beautiful no matter what. It's not helping anything because now we're just telling ourselves that we're beautiful when no offense, I am objectively not societally attractive. And we can accept that. There are many people that find me attractive. There are many people that find you attractive.

[B]

But what does that have to do with anything?

[A]

Because what you are saying is you found other people that have a lot of debt and they're still finding people. They have something else that is making up for it.

[B]

I mean in the being in the cosplay industry and into pop culture stuff, that, that is a big, like video game stuff. That is a big thing.

[A]

Yeah, you might get a professional gooner, but I doubt that fits your standard because your standards are also here. Even though they need to be here if we're being real. Because that's also something very much in the social zeitgeist today. Everyone's standards are here, but everyone that would accept the person whose standards are here are here. That is also a reality of what is going on. I'm sorry to say it.

[B]

I'm not going to lower my standards.

[A]

Of course not, which is why you've been single forever.

[B]

But by choice, by standards.

[A]

Let's talk about a tool that pulls Thanos. Snap on your bloated software stack High Level. If you're juggling a separate CRM funnel builder, email marketing service, text platform and appointment scheduler, you're probably spending hundreds a month. Hand half of your sanity. High Level merges all of that into one login. Seriously. Build sales funnels. Automate follow ups with emails and texts. Schedule appointments. Manage your leads because it's all there. Imagine canceling four or five subscriptions overnight, instantly trimming your overhead. Plus it's got a visual campaign builder so you can see every lead's journey. You want to send a text after someone books a call or trigger an email. If they don't show up, one click. Done. And here's the best part. I've teamed up with them to give you an exclusive 30 day free trial. Double than the usual. So if you're fed up with software chaos, this is your sign. Jump on High Level. Consolidate your toolkit and watch your monthly bills shrink.

[B]

Because I. Yeah, because I'm not going to settle for less. I know, I agree.

[A]

Congratulations. Do that. But the people that would be there will never want you in this context.

[B]

Well, that. Like I said, that's why I'm here. I'm going to. I want to pay off my debt. I want to get better.

[A]

I have a note specifically from your dad that you are too confident to find someone great. If father's saying that. Father who enables us in every way whatsoever. Good. I mean, we'll talk to him later.

[B]

Too confident. Like I just know what I'm worth.

[A]

Like this is that. That endless, endless parading of telling everyone that they are so much more than they are now. Your self worth is so much more than it literally is. Like, I'm sorry, this sounds so mean. This. I know this sounds so mean and so many people are gonna take this wrong. But honestly, those type of pro clutches we don't want in this audience because fun fact, we only do real world and we're not fucking here. So listen, the reality is all that coddling puts you where you think you are so much more. And this happens in employments as well. Everyone at every job ever thinks they are so much more worth it and so much more impactful at their job than they actually are. Listen, this is my thing.

[B]

I know it.

[A]

I know there's always everyone, including myself. Because we are egotistical beings, think we are always so much more than we actually are. That's it. Listen, if the show went off the platform, you know, a part of me thinks like, oh, people would be sad. I'm sure a couple people would be for a couple weeks and then people would move on in a week.

[B]

So if you're.

[A]

We are not worth what we think we are.

[B]

So if you're overconfident as well, does that mean you also like.

[A]

Yes, it can make me harder to do things. Because if I set my.

[B]

That's where we're single as well.

[A]

If I set my standard here, where reality is here. Yes. I all of a sudden would never find it. That is reality. And I'm not saying you're a bad person. I'm really not. I know this is a long tangent. I'm really not. And I'm not saying you're an ugly person either. I'm not saying that there are.

[B]

I don't know, it sounds like it.

[A]

No, there is the objective societal like, oh, that person's hot. Right. And that person gets a little more flexibility in how they're living life.

[B]

Objective like society, standards.

[A]

Gosh, are you.

[B]

Because you have Western society, you also have.

[A]

You're right. A council doesn't sit down and decide, but we all are able to recognize it. Right?

[B]

Because what is like popular in western society? Like standards, like, okay, so you're gonna.

[A]

Get an Indian prince.

[B]

I mean, that would be awesome. I wouldn't mind that.

[A]

Sure, go move to India. That'll solve all your problems. They love white ladies there.

[B]

I mean, I travel enough, I could.

[A]

Good dude. Listen, ladies and gentlemen, the catch is over her credit limit by $202 on this car.

[B]

That was because the interest hit.

[A]

You better come get her.

[B]

The. Yeah, the interest hit and that's what happened. That's the moment I got paid. I paid that down.

[A]

Listen, guess what? That's what happens when you spend $331 in a max out card. You dumb titch.

[B]

I didn't spend it was the interest.

[A]

No, no, no. Purchases. $331. What do you think purchases are? Do you think when there's an interest column, which there is, and a purchases column, that they're different? Because fun fact, they are.

[B]

You jump on my statement though. It says $300 for the interest.

[A]

On your statement. It also says the Hamilton Theater doordash and crackle bear Legend Sports bar. Whataburger Doordash and McAllister Doordash and Cracker barrel Dutch Bros Nothing Bun cakes doordash and Panera Bread.

[B]

That's not interest you, but it Wasn't.

[A]

Shut up with that.

[B]

Like it wasn't.

[A]

Oh, you are the limit. Oh, you're gonna ruin me. What does it are you actually. I'm so. Oh my gosh. I'm so sorry, Lindsay. May I draw? Because apparently we have to go back to elephantary school real quick. The catch of a lifetime. She's waiting for you. Come get her. Good death. She doesn't understand basic things. Here's a credit card balance. Whoa. You're here. You're here, you're here. Oh my goodness. It's pretty close. And you know interest is going to get. Wait. Oh my gosh. Can you please shut the up? There's this much to spend. There's this much to spend. That's exciting. If interest is going to hit. Oh, I'm going to spend up to here. Oh, now interest is going to hit. But we're at our credit card limit. What do you think is going to happen? It's going to go above.

[B]

I didn't realize it would go above. But I don't want to be $300 of interest. Like that's a lot.

[A]

Oh, we don't know how math works too. Yeah, let's continue to go back to.

[B]

Elementary school, shall we? Calculating and budgeting should start a budget two days ago.

[A]

That means nothing. Fifteen hundred dollars basically in interest this year so far. Shut the up. I'm glad we have that. Guys. We don't have a job. We don't drive enough in doordash, but we're gonna order DoorDash every five seconds of our life. You.

[B]

Those times, the times. Not all the times, but the times I didn't order doordash like was when I had a really bad flare up and I pretty much can't get out of bed.

[A]

Looks like you get a bad flare up every five seconds. So it looks like you better that lately it's been. It looks like you better give up. Look, just give up.

[B]

Give up and die.

[A]

Yeah, I mean tell me the alternative. Cuz that is what your excuse is. That is what you're telling me. I'm not telling you to do that. But you're saying I have to go spend money I don't have because a flare up is happening. And you also, by the way, live with what? You also live with your parents. By the way, they could have made you a sandwich. Shut up.

[B]

They were at work.

[A]

You could have gone to kitchen, made a sandwich.

[B]

I can like bail. Like I said, like I will pass out.

[A]

But you can get up and pick up the doordash. From the front door?

[B]

Yeah, pretty much.

[A]

Then you can open the fridge and.

[B]

Do this but like standing up for too long. Like if I stayed up more than a few minutes.

[A]

The fridge is the same distance an apple.

[B]

We don't have apples.

[A]

Then buy apples, you actual creature.

[B]

I try not to do like anything a lot of sugar or carbs. So I try to do like more meat based diet for the health reasons because yes.

[A]

Keto was going so well.

[B]

It was until I got off keto and then I'm trying to get back on.

[A]

I mean I just.

[B]

It's just a lot like I'm doing my best again. Like that's why I'm here because I.

[A]

Wanna you don't you? If this is considered your best, walk out the door.

[B]

I'm doing the best with what I know.

[A]

Walk out the door.

[B]

Guess with what I have like what I know. And I'm trying to figure out the door how to do my financial.

[A]

You have the ability to Google things, chatgpt things, grok things, whatever the you wanna use. Exactly. I'm giving a thousand examples showing you that there are resources that you can literally type something in. And it will tell you.

[B]

That's probably why I'm here because I want the budgeting app.

[A]

This is so much more work than you typing something into Google.

[B]

It's an investment. I get budgeting up and I get the finance money from this.

[A]

What are you talking about?

[B]

I get.

[A]

We pay for people's travel and everything.

[B]

I actually did not know that until I. Congratulations. That was. That was kind of nice but like I wanted the financial courses so I figured I.

[A]

Yes, you get everything. You get all the programs. You get the. Yeah, yeah, yeah. Listen, they get Dollar Wise Central at a major [e-mail]. you get it for free. Yes, yes, yes. Thank you, thank you. I appreciate it. So that's gonna help.

[B]

Like that will help me try this?

[A]

It will if you actually do it. But let me guess. Something's gonna flare up as you're taking the class.

[B]

I mean. No, I'm gonna like I'm doing my. I'm trying to manage it with you.

[A]

Listen, if you can't walk up and grab something that you're. If you know flare ups happen. You prep an emergency stash in the fridge that you only pick when you get it.

[B]

Yeah. I think you're catch.

[A]

The only thing you catch is a doordash order. That's all you get, man.

[B]

It is easier.

[A]

Sure it's easier. And I wish you had an official diagnosis.

[B]

Oh, that's what I'm trying to the order change.

[A]

What would it change if you did other than me just fully honestly that's.

[B]

Because I don't know a whole lot because there's no cure for it. So I had friends that say to get it because it could. Like I said you could do accommodations for a walk. Like there could be treatment.

[A]

Is that what you're saying?

[B]

There's no cure, there's no treat. There's really no treatment or cure for.

[A]

Well, even things that don't have cures. Many things at least have management treatments.

[B]

Yeah, diet is a big one and so that's what I've been like focusing a lot on. My diet is cutting out scene from.

[A]

Those statements I literally just read.

[B]

I'm eating more meat based things. I'm not doing like processed food and stuff like that. I mean lately I have been. Because I've just been busy.

[A]

But yeah, she literally got Panera bread.

[B]

That was when I was really sick. Yeah, it's like lo fide hospital food and it's comfort. So when I was really sick I got that.

[A]

Okay, so you're a literal excuses for everything person and can never actually commit to anything ever in your entire life. I can commit very clearly not because the moment you say you want to do something, I'm like, oh, but what about this? And you're like, oh yeah, this happened. You will always excuse yourself out of something. That is how you live.

[B]

Like it's not excuses, it's just what happens. Like you asked me a question, so I'm telling you what had happened. Like what? I guess like the reasoning behind it.

[A]

I mean again, they know everything about your life, the producers and they just, they're just telling me, I mean this card has spent 10,000 hours maxed out. Guys, was it, was it a medical debt? Was it an emergency that popped up? Oh, it was the emergency of 7,000 hours to go to Scotland at the beginning of the year.

[B]

I spent $7,000.

[A]

What did you spend?

[B]

I mean things probably accumulated but I, I didn't spend out since then.

[A]

What a joke. I mean this is.

[B]

Well, I probably had like $2,000 before. Like before hitting the limit. So it wasn't like a total of like I didn't spend $7,000 on just Scotland. Like it's probably a couple of years.

[A]

Of things and Scotland's necessary for survival. That that cures pots.

[B]

It was a fun trip. I like you. I want to live.

[A]

You see how I lose an empathy if I had. Anyway, honestly, I want to have that.

[B]

Experiences in Life and live and things and stuff. Not everything is about money and not.

[A]

Everything is about money. But you're able to do the experiences with money. So you have to sacrifice in order to get the money in order to do the experiences. Now you're not able to do any experiences like the experience of moving out and being an actual adult. You're not able to experience life because you are refusing to make any compromises in life. You will not enjoy the experience of having a husband because no one in their right in mind unless they're a desperate gooner who you wouldn't settle with, by the way and you shouldn't would get with you. So good luck experiencing that. Good luck experiencing having an independence of any kind. Good luck experiencing being debt free. Good luck. My opinion. My opinion. I was basing you.

[B]

You think that doesn't mean.

[A]

What do you mean? I think that I'm basing it off the fact that you've only had one relationship ever.

[B]

Because it's my choice.

[A]

Not your choice. The people that you would. Would pick are not picking you.

[B]

No, I haven't met anybody that I've wanted.

[A]

Cause they're not meeting you. You think it's only on you. You're rejecting people, right?

[B]

Yeah.

[A]

Right. Meaning that there are people coming. Those that would be interested in you, you're not interested in. Those that you are interested aren't going to. You. It is not working.

[B]

I mean, I haven't found anybody that I'm interested in to pursue. I haven't found anybody that I'm.

[A]

Cause they're not coming to. Does she not understand this? Does she not actually understanding this?

[B]

Why would they not be.

[A]

Why would they swipe on you?

[B]

Why would they come in dating apps?

[A]

Why would they approach you? Why would anything happen? Where do you think you are in this world? You think you are here? Everyone thinks we're here. We're not guys, all of us. We're down here. We're just people. It doesn't matter. We're not the. I don't know.

[B]

I mean, I'll find somebody. It just.

[A]

I hope you do. I hope you do.

[B]

Nado. He's dead. I mean, that could be a possibility. Like my future husband. Just not around.

[A]

Yeah, let's use that excuse when we're alone and dying at 80.

[B]

At least I would have like traveled and seen the world.

[A]

That's the thing. You won't because how are you going to be able to afford this? You put this on a credit card when there was $2,000 on it. Now it's maxed out. You wouldn't be able to put another trip on here. So you're not experiencing more trips because you're refusing to make the sacrifices necessary. That puts you in a position where you're able to travel more. That's what I'm saying.

[B]

When they plan like trips and stuff, like, I just. I don't want to miss out on it because all my friends are going and just. I'm like, well, I can pay it off later.

[A]

It's been six months. You did not.

[B]

And, well, normally six months. You did not before.

[A]

Normally it's been six months and you did.

[B]

I was able to pay off.

[A]

It's been six months and you did not.

[B]

It's been six months.

[A]

It's been six months and you've been not. It's been three months and you have not. It's only gone up. It's over. Maxed out. It's over the limit by 200.

[B]

The interest.

[A]

No, because you're still spending on it, you dumb absolute. Are you actually kidding me? You're doordashing 50, 000 seconds a day.

[B]

I'm only doordash, like twice.

[A]

Incorrect. I read it, what, five times. And then there's still restaurants. Spending without doordash. Come on, dude, this is so stupid. Like, I don't even know. And I'm sure you're spending a ton of money on this cosplay stuff too, right? What do you think you're spending on that? Unemployed.

[B]

I mean, I'm not. I'm employed, so I.

[A]

How much do you think you're spending on that? Unemployed.

[B]

I haven't spent.

[A]

How much do you think you're spending on that?

[B]

Unemployed. I haven't spent.

[A]

How much do you think you're spending on that?

[B]

I don't know, it's.

[A]

You don't know how much you spend? You go and swipe and you do you have no concept?

[B]

Not on the current cosplay, no. I know the current cosplay I'm working on. No.

[A]

What are you currently working on?

[B]

Doing the Winter Soldier from a Marvel? Yes, I started.

[A]

Totally look like Bucky.

[B]

I do a gingerbread Bucky with wig and everything.

[A]

Well, that is 2025 marvel. So.

[B]

I mean, I did it like when it first came out and I really liked it, so I'm re. Revamping it, basically.

[A]

You made money off of it?

[B]

No, I do it for. As a hobby.

[A]

Unemployed. Great.

[B]

I mean, I get like, brands reaching out and we do like, they give me things and stuff and I do that, but not like plushie I got a lightsaber. I've got a lightsaber. I'm trying to remember. What else? I've got a couple different things. So I like. It's fun. I get experiences and I get to meet friends and go to cons. So I really enjoy it.

[A]

God, she's. I'm sorry. Like, what? Good. Good luck. Good luck. I'm sorry. Just. What good luck, dude? I don't know. It's based off this conversation. Is there hope here? I like having at least a little bit of hope as we continue, but. Good.

[B]

I mean, I'm not like.

[A]

There's the discovery card here. You're not. Congratulations. You live in ignorance.

[B]

Before I. Like I said, before I went into debt, I was really good with finances, so I know. I don't give a. I just need to, like. I don't need a direction. I need to, like, help.

[A]

I don't care. Brandon back there, you know, the translator Brandon, who comes in and he's a part of our Hammer Elite membership. He. He got suspended a lot when he was in middle school. I don't judge him for that. Cause it's not middle school anymore. I judge him for today. I don't judge. When you were good with finances, if you're bad with them today, I don't give a.

[B]

But it shows. I can't.

[A]

There's a Twitter or TikTok that punishes someone for what they did 15 years ago. We don't care about that in the real world.

[B]

We're not like, sure, you can, but you're not. I will do that.

[A]

Brandon could go get suspended again. He could. Anything could happen. I'm not preemptively firing him for that. I'm not preemptively saying, oh, good job, you're good with money because you might be in the future. Again, like, that means nothing unless you actually do it. And you're not doing it. So I don't give a. At all.

[B]

Because that's why. Again, like, that's why I'm here, because I want to shut the up.

[A]

That's why I'm here. I don't care.

[B]

I want to, like, get better with my finances. I want to know more and understand more. That's why, you know. So I've came to you. The financial audit and why do you.

[A]

Think we're having the conversation? Why do you think I'm calling you out on this? What do you think I'm doing? You think I'm just talking to talk? I'm calling this out so that you can understand What I'm saying, I'm pushing back on this so that you hopefully have a moment of realization that you're being a dumb with your money.

[B]

I don't think I'm being that bad. I mean.

[A]

Okay. And that's why she's here, to not listen, apparently, because she's Discover.

[B]

I can't tell you much about that one. I don't use that one as much, but obviously it's. It's still, I think, maxed out. Close to it.

[A]

Discover, $5081.50. Yes, it is. Almost maxed out. Credit score, no one's surprised. Minimum monthly payment, $116, 20 years to pay off. You'll be a totally married 48 year old by then.

[B]

I'd like it to be lower. I mean, I'm going to start making more payments than just the monthly payment, but.

[A]

Good. Guys, everything's in the future. Of course. Nothing that she's doing right now.

[B]

Right now as I'm sitting here, like. Yeah, but you could have, right as I'm sitting here, pull up my phone.

[A]

You know what you're saying, right? You know what you're saying with this? Do you know what you're. Please tell me. I would like to see if you're able to do a little bit of mental exercise. What are you doing when you say that?

[B]

When I say what?

[A]

Are you gonna pay off more of this in the future? Yeah, what are you saying? What are you doing when you say that in this conversation? Let's see if you're able to get there. You able to figure this out?

[B]

I mean, obviously I don't right now.

[A]

No. What are you saying? What are you doing when you say that?

[B]

Then I'm gonna pay it off.

[A]

Yeah. What are you doing?

[B]

Like change wise?

[A]

No, what are you doing in this conversation when you say that?

[B]

I don't know, what am I doing?

[A]

You're deflecting like mad. Any amount of pushback I give you, you say, well, I'm going to change it in the future. That means nothing. That is the deflection that is pushing off instead of actually recognizing what you are doing that is wrong and just accepting it and that you need to change. You just instead when someone says something about what you're doing wrong, you say, I will change it in the future. It is the boyfriend, it is the girlfriend who never changes their behavior. Shut the up.

[B]

I'll do better. Is that what you mean?

[A]

That means nothing? Well, no, because you just said it after I called this out. Listen, your language is endless. Deflection it is. Oh, I'm gonna stop your pushback by me saying, oh, I'm gonna change it. Everything's gonna be good. No, it's not. Look at your history. Look at where you are. There is not a single indication of behavior that would suggest things are going to get better. I hope they do, and I hope you take this conversation and use it. Many guests do. Many guests use this conversation to make their life better, and they prove it on the Financial Auto follow up Channel. But there's also many guests who come on the Financial Auto Follow up channel and they don't change their behavior. They. Even though they said they would out of deflection. I hope you're one that changes the beginning.

[B]

I really get a whole lot of words because I can't open more credit accounts and I can't spend more.

[A]

So trust me, there's debt you can take out, but I'm not going to help you know what kind to take out. Oh, good. Spending on here too. Yeah, let's. Let's spend on here. While $95.83 of interest is accruing. We're only making the minimum payments. Kendall, go to library. You live in Fort Worth. I know there's libraries and Google one. That's okay. You can have it. But put it on debit. Why are you accruing interest and paying a 22.24% Fe your Google?

[B]

I don't think I actually realized that was on my Discover.

[A]

Great. Yeah. Why would we look at our statements. You literally just told me you started budgeting. You would know that this is happening.

[B]

So started budgeting yesterday. So I'm still going through things.

[A]

Nothing you say has any weight.

[B]

I was waiting to July for us to hit so everything would start new so I could see it and budget properly if that makes.

[A]

Oh, good. You also went to Europe last year.

[B]

Yes.

[A]

What a joke. You don't care about your life. You care about the quick dopamines you get in the final little experience. I mean, you don't care about the future of your life. You care about the now.

[B]

I mean, just live a little like.

[A]

Yeah, the now. Exactly. That's.

[B]

I mean, there's not. I'm not always gonna be able to take that trip. So you don't know what the future holds. No, my. My friend.

[A]

What are you saying?

[B]

Well, my friends moved to Europe and so we were able to stay with her. So, like, financially it was actually I spent not a whole lot because I was staying with her.

[A]

You still spend money. Yeah, but you had to get the flight. You spent money. It doesn't matter if it was less. It was money.

[B]

You don't have paid most of that.

[A]

You live at home as a 28 year old failure.

[B]

Exactly. Though I lived in failure without a job so I could just go and like I went to Europe.

[A]

19 days in Europe on credit cards is madness.

[B]

I spent most of it actually like with actual money.

[A]

Oh, good. Money that could have gone to paying off debt. You are a 28 year old living at home.

[B]

But I got to go see jobless.

[A]

I don't care if you saw a cathedral. That means nothing to me. I will never give a single.

[B]

I went to like.

[A]

I will never give a single.

[B]

Like really nice.

[A]

You keep talking and I will not give a single shot. Like this means nothing and I will acknowledge it. I don't care. I don't care what you visited in Europe. I don't give a. It doesn't matter. I don't give. It doesn't matter. I don't care. I still continue not to care. You keep talking. I really don't give.

[B]

Have you gone out of the country?

[A]

Yes, I've gone to Italy, France, Germany and Austria. It was great. Would I destroy my life for it and live at home as a 30 year old failure without a job? No.

[B]

I don't regret any of it. Because like.

[A]

Of course not. Because you're incapable of recognizing any of your flaws. Because you are the best catch that's ever existed.

[B]

I don't know. My world therapist thinks I'm doing pretty well.

[A]

Then you have a bad enabling therapist. No, I think she's doing this is this generation. You've been enabled through TikTok. You've been enabled through your therapist and you think you're all that. You're nothing. You're a failure. A joke. You're disgusting. Creating content every week takes a lot between scripting, filming, editing, refilming. Because I blinked. Weird. Honestly, sometimes I wonder if I should have just started a faceless channel about budgeting with stick figures. But for any of you aspiring creators or burnt out veterans, you need to check out InVideo AI. It lets you create studio quality videos with your own AI avatar. Like your literal face and voice, but with none of the recording stress. All you do is upload a short video of yourself and boom. Invideo builds your digital twin AI. Cloning just blew my mind. We can now create digital versions of ourselves that look, sound and move exactly like us. Then you just type out what you want the video to say and your avatar delivers it. Like you had Red Bull and a teleprompter. You can even upload product images and AI actors will interact with your product like it's a Super bowl ad. No cameras, no lighting, no retakes because your neighbor decided to mow the lawn. So if you're tired of the YouTube grind or you just want a smarter way to make videos, go to the link in my description, check out InVideo AI today and create your own free avatar. It's like cloning yourself without the existential crisis. All right, let's get back to the video. As far as a human goes, in terms of the life that you are living, you are nothing. You are not a productive member of society. The rest of us will be putting. I'm going to have to pay more in taxes to take care of failures.

[B]

Like you only see on paper. You're not seeing, like math.

[A]

I'm also seeing the words and heard them. What you've said the last hour and seven minutes of my miserable life right now.

[B]

Hour and seven minutes does at least tell you a whole lot about people, though.

[A]

It actually does. When it comes to a conversation about your life.

[B]

Well, about finances. Not about my life.

[A]

No, we're talking about your life and what you've done.

[B]

We don't know everything in depth. Like, you don't know all this stuff. Of course not.

[A]

And we never will. But listen, there's nothing here been a good sign.

[B]

Doesn't mean it's been a bad sign.

[A]

It's all been bad signs. What are you talking about? Are you actually. Are you. This. This makes no sense. I feel like you just living a home has allowed you to just be insane with your money. Just reckless, just throwing your money away. You are nothing. For all of us here who actually do jobs and contribute to this world and live alone and pay property taxes, we are all going to have to pay more taxes at the end of our lives to take care of failures like you. I mean, I paid taxes so you don't make money. There's no taxes to be paid.

[B]

Well, I mean, I had a job. I was paying taxes.

[A]

Girl, you got. I promise you. I promise you, you contributed significantly. Nothing.

[B]

How?

[A]

Well, the top 50% of earners in this country pay 98 of all income taxes. You are not in the top 50% of earning. You contributed nothing.

[B]

Like I still pay taxes like everybody else. We all pay taxes. You probably don't. You're not in that.

[A]

You paid like a few hundred dollars to taxes.

[B]

A couple thousand.

[A]

Yeah, a couple thousand. And you also probably Got a refund as well this year.

[B]

I did because of being in school. So that. That's really nice.

[A]

Probably use that tax refund and go to Europe.

[B]

Actually, I use it to pay off a portion of the credit card and.

[A]

Then we spend it all the way back up because they're all maxed out. So I don't give a. That means nothing. And I'm sorry, it's not even a political thing. It's not even a. I know it probably sounds a little right wing. It's not. That's honestly pretty ob. If people are leeching and we already know where most of the tax revenue comes from, we know that we all who out there are working are going to have to pay for people like this who refuse to do anything their entire life.

[B]

How are you going to pay for me, though?

[A]

Because I will tell you. Would you like the example? Congratulations. Social Security right now, it doesn't make money. All the money that goes in immediately gets paid out because it was denied in the 1990s to be invested in the overall market. Instead, it was put into low government bonds. Because of that, it never keeps up with inflation. Meaning it was a service or, you know, a program that is not able to actually keep up and they tap money from it. So because of that, there's not enough money. And because of that, we have to continue pushing retirement age. And by the time that we are in retirement, Social Security is not going to be able to sustain itself. It already takes up a massive percent of the federal budget. It is not going to be able to sustain itself, especially where we are with debt to income or debt to GDP ratio in this country. Good luck. By the time we are 60 or 70, Social Security being around. Okay, so what happens when you have sacrificed nothing? You've gone to Europe forever and ever. Instead of putting any money aside for retirement. You have a little bit, but certainly well behind you could have been. And saving money for your retirement. You won't have money. And then all of a sudden we're gonna see a picture of you in a grocery store working and there's gonna be a Facebook post that goes viral. It's gonna be, oh, she shouldn't have.

[B]

To work at a 401k.

[A]

Shut up. I'm gonna get my point done. You have 401k is dramatically unfunded. It could be funded more, but you're going to Europe instead. And there's gonna be an old picture of her on Facebook. She's gonna be working at 80, being a store clerk, and everyone's Gonna be like, shut up. Can you mute her mic? She will not stop interrupting me with her dumb. Oh, she's so obnoxious. She will see that video. Someone's gonna post, oh, she shouldn't have to work at 80. And you know what? I kind of agree. But little did we know, her entire life, she decided to go to Europe instead of actually preparing herself for retirement. And then we're gonna have to pay more in taxes to fund you. And it was all your fault. Your mic's muted. Go ahead and talk. It doesn't matter. It won't be picked up. So it's an absolute joke. It's an absolute joke. And the rest of us, we don't get to live the lives that we sacrifice for because of degenerates like you.

[B]

How do you know I'll live to 80 though?

[A]

I hope you don't.

[B]

It's kind of mean.

[A]

Sorry, I'm worked up. I'm worked up because it is people like you that bring down the rest of society. I'm sorry. It really is. And I hope we can take this as a moment to change your life around so that you are a productive member and that you build the rest of the community up with the rest of us. But right now, you are nothing but a leech. Now don't get me wrong, if your illness gets to a point where you literally cannot work, that is where I want us to support you. Because that was not your choice. That was not your choice. You know, let's say you're perfectly healthy in terms of the lifestyle choices you make. And everything gets to a point where you're incapable of working. I want us all as a collective society to come in and make sure you can live a good middle class life because you did not choose to have that disease. Okay? But if your lifestyle decisions make your disease worse, that is on you.

[B]

And that's why, like, I am traveling and seeing things. Because I don't know what the future is going to hold. I don't know if it's going to get worse. So nothing.

[A]

If the future. If the future gets worse and you die, you won't know that you sacrificed to save up for a better future anyway. It doesn't matter.

[B]

Exactly. That's why I wanna travel and see the world.

[A]

No, that just completely went against. What were you in. Are you. Do you not listen? I'm just saying if you die tomorrow.

[B]

I would die happy knowing that I got a die.

[A]

No, because you won't be happy. Cause no one dies happy. Cause you're Dead. You're dead. You're dead. You won't know. It doesn't matter that you went on vacation. You're dead. It also wouldn't have mattered that you sacrificed for the statistical likelihood that you will live a longer life.

[B]

Life.

[A]

It doesn't matter. There is a statistical likelihood that you will live a longer life. So go ahead and take the sacrifices now to live that longer better life where you can go to Europe every single year.

[B]

Because you sacrificed when I'm old and like 80.

[A]

I'm not saying that. I'm not saying that. You can probably start going through your 40s as well. You can probably take a few trips through your 30s as well every single year like you do twice a year now. Oh good.

[B]

You're taking.

[A]

Are you planning another European trip already? Good, good. That's fantastic.

[B]

Well, UK not so thrilled. There's a difference.

[A]

Well, it's not in the European Union. It's in the year. It's in Europe still. Scotland, not the mainland continent is still in fact Europe. Huh?

[B]

Scotland.

[A]

The UK is not a continent.

[B]

Europe is in general like.

[A]

You think, because they left the European Union, they left the continent. They're an island.

[B]

I mean they always consider themselves UK like they was very specific about that when you go there that the United Kingdom. They're not Europe, so.

[A]

Oh my.

[B]

Especially Scotland. Scotland does not like to be part of like Britain and all that. So don't consider it.

[A]

Oh, oh. Do you think the Florida Keys are a part of North America?

[B]

Yes.

[A]

Are the islands off of Alaska?

[B]

Middle North America, Alaska. Unless Washer bought them back and that.

[A]

Would change it to being a part of Asia. If Russia bought them.

[B]

I mean if it was Russia, probably.

[A]

Russia's also in Europe. Does that mean they would be in Europe?

[B]

Russia is considered part of Asia and Europe.

[A]

It's in both.

[B]

Oh yeah, because it's half. Yeah.

[A]

Oh my gosh. She's. She's an idiot. Oh. Ladies and gentlemen, the catch of a century.

[B]

That pot was aspect that side of considered Asia. Not. That's why I said it. Because.

[A]

That part.

[B]

That's why I said it'd be part of Asia.

[A]

She's a.

[B]

Either way. Yeah.

[A]

What am I dealing with?

[B]

I mean you only live once, so shut the up.

[A]

That means nothing. If you only live once, you won't know that you sacrificed cuz you're dead. It doesn't matter.

[B]

Exactly.

[A]

So vote for the statistical likelihood that you're going to survive. So go ahead and sacrifice for that survival instead of blowing everything now and then surviving. Wish you're not going to be able to go to Europe as much as you want in the future because you won't have the finances to do so. You are preventing yourself.

[B]

Probably won't want to travel a whole lot.

[A]

I hate her. You don't know. Old people travel all the time. You are so it's better to travel.

[B]

When you're young though. Cuz you're young.

[A]

You'll be young in your 30s, you'll be young in your 40s though. You'll be young in your 30s, you'll Be young in your 40s.

[B]

I mean like, I'm thinking of like, like 50 and 60.

[A]

What do you think your body breaks at 50? Yeah, sure. If you're starting mid upper 60s, that's where it starts to maybe start getting a little. Especially if you're not living a healthy lifestyle. Absolutely. But listen, that's. I don't even know how it's at a 22 interest rate. This is just. What a pointless conversation. I'm starting to realize you're gone. You're just. You're gone, you're gone.

[B]

I think I'm doing pretty well.

[A]

Huh?

[B]

I think I'm doing pretty well.

[A]

There's no point of continuing this conversation. No, there is no point. If you, after all this still think you're doing pretty well, then you're a moron that's never going to survive.

[B]

I think I'm doing pretty well, like maintaining like, I don't know, you said my moron. I'm like, no, jobless.

[A]

You live at home, you can't find.

[B]

Anyone for a week. So jobless.

[A]

That, that's jobless.

[B]

But I'm not, it's not going to stay that way. I'm in between jobs.

[A]

You've applied to 20 jobs in three months.

[B]

Oh. So now that I know that's not enough, so I'll go home and continue applying to jobs.

[A]

Oh, guys. If you have any children out there like this, ladies and gentlemen, good luck. I wish the best. Shut the drugs. Shut the up. All right, here's your 401k which is a little earlier than normal in the document order, but 20,000 again, certainly behind forward. We'd want you by approximately 30, but again, it is showing that you have the skills.

[B]

Yeah, I started that like three, four years ago.

[A]

So why is it so early in this document order?

[B]

Because I have a plan with it. See, like that was. The thing is I'm coming on because I, you know, want to use your, your app and the financial stuff. But so my idea is to liquidate the 401k since I already quit my job. Look. So to look at the 401k, I can start a clean slate, get rid of the bad debt, start over fresh, and then when I get another job, I can go and add to it. I can double up what I was doing before, and I can actually save. Look, it's really. It's not a bad idea. Like, I can. I can then double up on it. Look, like. Lindsay, can I have the whiteboard? Like, look, I'm just gonna. I'm gonna show you, like, so you can understand.

[A]

Do you think you are.

[B]

So this is my 401k. Let's see. This is like the debt. Okay. And so if I take it, distribute the 401k, get rid of the bad debt, which is like the credit card, I can start fresh, and then I can actually start.

[A]

First of all, you have $24,000 of debt. This 401k is 20,000. So the bubbles are not max.

[B]

Well, 6,000 is the call.

[A]

That's a depreciating asset that you have leverage on.

[B]

Yeah. So I'm like, I'll be paying that still, but. So I'll be taking. I would be spending about 15,000 for the debt, and then I'll take the rest to put aside for. I can use it for the penalty and then the tax I'll have at the end.

[A]

Yes, because you'll have to pay your.

[B]

My penalty and then add it to.

[A]

Penalty 10% and then your income tax bracket.

[B]

Yes.

[A]

Of which, based on your last year of filing.

[B]

Yes. In which I have already been taken out, having taken out extra. I had it right.

[A]

So this 20,000 will turn into what, 14?

[B]

Yeah, about so.

[A]

Great. So 14,000 going to $24,000.

[B]

And so I can pay off my credit card debt. So start a new.

[A]

Would you take out right now to pay off your debt, a 20% debt?

[B]

What do you mean?

[A]

Would you take out a 20% debt to consolidate all your debt?

[B]

Why wouldn't.

[A]

Would you take out. Shut up and answer my question.

[B]

I wouldn't be going into.

[A]

Lady, answer my question.

[B]

I wouldn't be going into debt with a 401k though. I'd be liquidated, actually.

[A]

Shut the up and answer my question. You are so obnoxious. You have no idea. You're a. A creature like. I don't know why. Why your parents need to be put down so they do not breed again. This is insane. I don't know how you exist. And you're the best child. Good luck to them.

[B]

I Think I am?

[A]

Yeah, you think. You think the UK isn't in Europe.

[B]

So I mean they did get rid of the.

[A]

The union. The border of the European Union does not determine continents. Would you take out a 20% debt right now to pay off your debt?

[B]

So it'd be gaining 20.

[A]

I'm asking a question.

[B]

I understand the question. So it'd be.

[A]

This is the most simple question. Would you take out a 20% debt to pay off your debt and then.

[B]

I'll be in 20% debt after that? Yeah, I think so. So math is a bit hard.

[A]

Lindsay, please help. She's. I can't shut the up with your whiteboard. Get away from me with your whiteboard.

[B]

I thought you went. I thought you wanted it.

[A]

This is your debt and here's the debt that you can pay off. This is 20%. Would you do it?

[B]

Yes, I think it's a good decision. What else would you.

[A]

I'd pay off the debt I'd sacrifice and not spend money on fast food and doordash you actual immussal since I.

[B]

Left Staubbish does Can I still. Can I. Can I keep the 401 kilo dating it?

[A]

Yes.

[B]

Because I knew that there was a thing with that too.

[A]

Yes. Could also roll it over. Roll it over to an ira.

[B]

Oh, okay. So you wouldn't recommend me doing that.

[A]

Because it's like taking out a 20 debt because you're going to lose 2010 for penalties then probably about 10% for your taxes. Okay. That's like taking out a 20% debt. Also this $20,000 that's in there. You creature. Please. I don't I honestly the quicker I can get away from you hearing your voice the better. You've annoyed me more than I thought I would be annoyed on the show by 59 and a half when you could take. You can pull this out tax advantage that $20,000. If it was then 10 returning thing which is the historical up and downs combined the S P 500 would be where it was four $438,000. So you're going to lose $48,000 by pulling it out.

[B]

But then I'd be able to stop flash.

[A]

I'm going to kill you. Cuz if you start fresh without changing your behavior, you're going to go into all this debt again. But you won't have.

[B]

I will change my behavior. We'll see you on the follow up show. On the. You can talk to me on the follow up show.

[A]

Stop. Who says I'm gonna invite you?

[B]

Thought everybody was invited.

[A]

No.

[B]

What if I do get better and then you don't invite me though?

[A]

I'll still shun you because I took.

[B]

Out of my 401k.

[A]

We have a rule. No dumb on the follow up channel.

[B]

Isn't that half of the people on here?

[A]

No, it's you.

[B]

You made a mess at the desk.

[A]

Shut the up.

[B]

I'll fix it for you.

[A]

Probably more productive than you've been at your seven years at Starbucks.

[B]

Actually, I was really good at the job.

[A]

I was really good. That's why they I walked into that one. Wouldn't let me transfer. Synchrony card.

[B]

Yay.

[A]

Yippee. Looks like this is your care credit.

[B]

Yeah, that one is medical.

[A]

$1,160.57 $70 minimum payment. 17 months to pay this off. No deferred interest and it's until paid off. So zero percent. Okay. Minimum payment until it's paid off. Okay.

[B]

Because I closed. Closed it out. The. The Care credit, right?

[A]

Huh?

[B]

The Care credit you're looking at. Yeah, because I. It was. Yeah. I closed it out so that I didn't have to pay interest because it was a credit card like a medical credit card. And I had to close it out.

[A]

Equinox.

[B]

Yep. It's a really nice call. Or at least I. I like it. It. It's a step up from the thousand five car I had before.

[A]

What is the interest rate?

[B]

The interest rate, I believe it's 10%.

[A]

$6156.37.

[B]

Yeah. The monthly payment is like 225 I think.

[A]

What do you think the car is worth even though you owe $6,156.37 on it?

[B]

It. I'm not sure actually.

[A]

Of course not. Well, it's worth 5,600.

[B]

I mean I needed a car one way or the other, so.

[A]

Yeah, yeah, yeah. $221.81. But you could pay off a car instead of getting fast food. Cuz you live at home and door dash and moronic dumb bull stupid stuff.

[B]

I'm going to change.

[A]

Shut the up. No you're not. You're done. You're dumb. Yeah, I'd set a 10.44 percentage.

[B]

10 point. I was close. Besides the 4% little one. So I know some stuff.

[A]

Stop. Stop it. How's the condition of the car?

[B]

It's in good condition. There's no issues with it. Miles, I think it's 112,000.

[A]

Okay. When I got it, Chevy Equinox, I.

[B]

My mechanic look at it and he said it was in well like a condition and there wasn't any good.

[A]

But you know, we're still pushing 200 on that thing and I start getting nervous. So I mean that's a ticking time bomb. Longer ticking time bomb. But all while we have no money. Like that's.

[B]

I mean I'm not gonna be jobless forever. I'm not gonna says me, I'm not gonna do it.

[A]

I don't trust you. Not a reliable narrator for this.

[B]

I mean I've had a job for seven years, so why would I suddenly.

[A]

Just because you can't work standing up and you've applied to 20 jobs in three months.

[B]

So I'm going to apply to more jobs. So eventually I'll get a job.

[A]

Stopped going to school for free.

[B]

I have one last class and then.

[A]

If I can't find a job three more years.

[B]

If I can't find a job that as tuition embarrassment that I'll get my associates at a community college. And then.

[A]

Well, I would do that. But now you're going to be starting Life at like 32. So me, my mom went $32 in your checking account. Your mom did it while she had a man, a partner.

[B]

True.

[A]

Could have been a girlfriend too. I don't give a slap flaps together. Not saying it was because of the man, but she had another income and help. Oh God.

[B]

Oh.

[A]

$32 on our checking account. But oh baby, we are spending on bull. You see that, ladies and gentlemen? You see that, ladies and gentlemen? You see that, ladies and gentlemen? You see that ladies and gentlemen? It's all stupid. Oh, she's going to Starbucks. $7.11 there. Shut the up. You are not going to comment after every single purchase because there's only about a thousand to go through. Shut your mouth.

[B]

Oh, Starbucks. You only get a limited immediately talks.

[A]

I hate.

[B]

You only get a limited amount of like food and drink. So that's why.

[A]

And now no one's going to date you because of your personality as well. Cuz you're horrible to have a conversation with.

[B]

I do enjoy it a lot. I know. Trying to get better.

[A]

And so do I. But again, I have the other things to make up for it. You have nothing to make up for it. Yeah, but.

[B]

Yeah, that's why I have Starbucks on there. Cuz you only get a limited amount of stuff. So I get hungry. We.

[A]

Dutch Bros. Dutch Bros. Cinemark Cinemark. Dutch Bros. Dutch Bros. Chick Fil. A Box Studio. Dutch Bros. Shipley Donuts, Patreon and a shirt the ain't ours. Which by the way our YouTube membership for is free right now. Sign up submit your reimbursement@hammer elite.com Three shows a day, Monday through Friday. Best YouTube membership on the platform. Second largest, soon to be number one, because it is the best. And you're not subscribing to that. You.

[B]

The Patreon.

[A]

It's literally free. So Dutch Bros. Chick Fil A Going is how you get into TJ Maxx, Michael Stores, Hobby Lobby. You don't have hobbies. You don't. I don't care. Go work 80 hours a week. I don't give a. In a call center. I don't care. Starbucks, Dutch Bros. Starbucks stores. Starbucks stores, Michael Stores, Hobby Lobby. Collected comics and. Dutch Bros. Chick Fil A, Amazon, Chick Fil? A Walmart. Starbucks. Dutch Bros. Going in. Yeah, you Dutch Bros. Bite Dance. Bite Dance. Let's play dance. Oh, I think it's so familiar. Oh, yeah. Okay. You're paying for Capco.

[B]

You.

[A]

Yeah, you go to Dutch Bros every second of your life.

[B]

Yeah, I've started going.

[A]

Great for your health. Vintage Chick Fil A, Starbucks store. Tropical Smoothie Cafe, Dutch bros. Apple bill, PayPal and on money. PayPal and PayPal. And I'm gonna die. That $100 in savings guys were such. We're such good at being.

[B]

Well, I started the cop like, a cosplay, and I thought I had everything, and then I realized that I didn't. So it led to, like, getting one thing here and there, then to another and. Yeah.

[A]

Yeah. It's so interesting. I. I was just enthralled by that.

[B]

That. And then the Dutch was. You get tired.

[A]

Oh, she's still going. Keep. Please.

[B]

You get tired of Starbucks after a while. Like. So we would do Dutch Bros ones for, like. And they would, like, you know, pay me back.

[A]

I'm still just as interested as I was two minutes ago. $229 in this bowl. Okay. Savings account. That's. I don't know.

[B]

I spent 229.

[A]

No, it's in that little extra savings account on the side.

[B]

Oh, yeah.

[A]

I mean. I mean, I'm gonna make a budget, but we know how this works. You have money left over. Your overhead's practically nothing. Your minimum payments. Yeah, they're. But, well, actually, now you don't make.

[B]

Money, so we're consolidating.

[A]

What's the point of making a budget if you don't make money? I guess we can see what you need to survive. We can see what you need to survive your minimum payments, which is, by the way, unemployed. An insane minimum payment. Amount to have is disgusting. In fact it was about a third of your previous income which is horrendous. But either way debt minimum payment 771.81. Okay. Rent. Nothing, nothing, nothing. Groceries. I'm gonna say you can put 200 towards it because I know your parents put money towards the TP fund. 100. Anything else you need to survive, I'll do hobbies, savings, fun, subscriptions, whatever. I'll call it the fun fun you can do total of $100. You have any pets?

[B]

No thanks.

[A]

Gas? Vroom vroom. Drive. Drive. Well you don't go anywhere now. Now shouldn't be unless you're going into job interview but okay. I'm gonna say $100 car insurance.

[B]

That's part of the 300 I pay for my parents to my parents that I'm not currently paying now.

[A]

Why wait? What?

[B]

Well because I don't have a job so. Yeah, I mean I will. I will shut the up literally.

[A]

They're enabling you by not by. Okay. They're allowing you not to pay the $300 you agreed to to quit your off.

[B]

I didn't agree to.

[A]

I was gonna hammer financial score Go yourself. Join us in the post show I'm gonna die and call their parents and look at her horrible resume. Remember it is free to join Hammer Elite. Just subscribe and we'll reimburse you with a digital gift card that can be spent anywhere somewhere@hammer elite.com G'. Day. See you there. Maybe. I don't know. We'll see. Why are you borrowing money from your dad?

[B]

Not even paying back.

[A]

Why are you possibly borrowing money your father? Let's call papa.

[B]

Are you familiar with the with the website only?

[A]

Yeah.

[B]

How would you feel if your daughter's put in a position where she has to become an only creator?

[A]

I mean she's an adult. My mentality is is you can always make money somewhere elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.