How Is This Possible... | Financial Audit

Summary

Financial Audit with Caleb Hammer — Episode Summary

Episode Title: How Is This Possible... | Financial Audit
Date: January 26, 2026
Host: Caleb Hammer
Guest: Bianca, 38, Tucson, Arizona

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Episode Overview

This episode features Bianca, a 38-year-old operations manager in healthcare from Tucson, AZ, as she sits down for a candid financial audit by host Caleb Hammer. Bianca, a single mother of four, wants to pay for her children's college yet struggles with debt, elusive budgeting, and desires for large discretionary expenses (a $50k backyard remodel and breast augmentation). The conversation rapidly oscillates between financial confessions, humor, personal history, and tough love as Caleb exposes the real reasons behind Bianca's financial instability.

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Key Discussion Points & Insights

1. Background & Family Situation

• Bianca's Profile
  • 38, single mom, four kids (19, 17, 13, 11). Eldest out of the house; second soon to start college ([03:36–03:48]).
  • Works as an operations manager in healthcare, bringing home ~$5,000/month net ([02:50]).
• Family Dynamics
  • Early pregnancies, two marriages—both ended ("He fell in love with someone else" [08:51]), now single.
  • Children are aware (or will be) of her being on the podcast, with candid banter about generational behavior ([04:00–04:13]).

2. Aspirations & Large Planned Expenses

• Desires extensive backyard renovation ($50,000), planning to stay in her home forever:
  • “I want to live there forever...I might as well have what I want because I live there.” ([07:03–07:33])
• Considering breast augmentation (“boob job,” $10–20k): “They’re not saggy, they’re non-existent” ([07:51–08:00])
• Justifies wanting these after paying down existing debt—“I want to pay off the debt that I have now because I want new debt” ([06:14])
• Frequent travel as a form of self-soothing: “If it’s not on a flight, it’s not a vacation.” ([13:34–14:06])

3. Current Financial Health & Debt

• Debt Reality
  • $37,000 in unsecured debt (not including mortgage), which quickly climbs to $42,000 in the episode ([38:47]).
  • Mortgage on a new, small house in Tucson; negative equity ($10,000 value drop) with minimal downpayment ([28:07–28:36]).
  • Outstanding loans, credit cards with high interest, late fees, and a 401k loan ($10,623) ([78:10]).
• Cash Flow
  • Brings in ~$5,000/month but spends $6,700+, regularly exceeding her income by ~$2,000 ([16:05–16:21]).
  • “I have spending amnesia… I don’t like to look at my bank account” ([15:50–16:05]).
  • No real budgeting system—mostly pays bills manually and relies on “luck” and “lock in” mindsets ([20:16–20:34], [15:19–15:36]).
• Budgeting Mindset
  • Pays only the minimums. Forgets bills. "Sometimes I forget a budget doesn't matter." ([41:01])
  • Rationalizes “managing” debt to make room for new spending ([06:14], [13:19]).
  • Vacations and discretionary expenses prioritized over financial responsibility.

4. Parenting Philosophy & Financial Enabling

• Very generous and enabling with children:
  • Wants to fund college for all kids, even as finances sail underwater ([05:12]).
  • Eldest son is a plumber ("plumbers will make a lot of money and I don't see that being replaced by AI" [05:42]).
  • Gives the 17-year-old a credit card for gas/taking siblings—reluctant to encourage him to work: "I want him to go to school" ([69:07–69:56]).
• Supplies her youngest (sixth-grader) with a smartphone for "safety," despite the added cost ([74:04–74:38]).

5. Emotional Spending & Rationalization

• Admits emotional/impulsive purchases: “When you put it out there that you’re gonna set a goal...you can put it on your board” ([27:19]).
• Vacations, eating out, and gifts (even when unaffordable): "Holiday does not make it affordable. Christmas doesn't all of a sudden make it affordable, by the way." ([66:32-66:41])
• “Sometimes I do really great and then sometimes it falls off the wagon.” ([41:12])
• “Life happens,” used repeatedly as justification for falling into debt ([18:20], [31:31]).

6. Host’s Tough Love & Financial Education

• Caleb challenges nearly every excuse and rationalization—bluntly:
  • "How are you doing $5,000 in the desert with how many kids, how many 17-year-olds stuck it in you?" ([03:05])
  • “You could have done this. No, you've been bullshitting your entire way to here.” ([12:03])
  • “You're one emergency away from not being able to take care of your kids.” ([19:39])
  • “You’re broken. What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best.” ([31:46])
• Directs Bianca to practical resources (budget tracking, ‘Master Your Money’ program, Dollarwise app), but warns only changed behavior will help ([25:30], [44:49]).

7. Notable Quotes & Moments

Bianca:

• “I have spending amnesia. I don’t like to look at my bank account.” ([00:22], [15:50])
• “I want to pay off the debt that I have now because I want new debt.” ([06:14])
• “If you don’t look, it didn’t happen.” ([24:33])
• “Life happens.” (multiple, e.g. [18:20])
• “Sometimes I forget a budget.” ([41:12])

Caleb Hammer:

• “If you’re doing good 10 years ago, but you’re a piece of shit now, I don’t give a shit.” ([16:51])
• “You cook when they’re there, and then forget to cook when they’re not? Are you capable of anything?” ([48:22])
• “You divorced your first one because he was bad with finances... and now you say he's making more money. It's like, what?” ([68:28])
• "Your real goal is literally fake tits and a yard." ([26:53])
• “Nothing has ever shown that you have, but your entire argument is that you will.” ([27:36])

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Notable & Memorable Moments (with Timestamps)

• Spending Amnesia Confession ([00:22], [15:50]): Bianca admits to “spending amnesia” and actively avoiding her account balance.
• Discussion of Backyard Remodel ([06:14], [07:33]): The desire for a $50,000 backyard as a “must-have” for her "forever home."
• Prioritization of Breast Augmentation ([07:43], [12:03]): Bianca repeatedly brings up a "fun" boob job as a key goal.
• Rationalizing Enabling Kids ([69:00–71:00]): Bianca gives her teenage son a credit card to support sibling transportation but resists him having a job.
• Budget Breakdown ([84:22–87:01]): Caleb walks her through harsh budgeting, leaving minimal “fun” money and pushing her toward the realization that debt repayment will take over three years.
• Toughest Moment ([19:39]): “You’re one emergency away from not being able to take care of your kids.”
• Hammer Financial Score Revealed ([88:59]): Bianca receives a harsh 1.5/10 on the Hammer Financial Score.

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Timestamps for Key Segments

Background & Family Setup
[01:00–03:48] — Bianca’s introduction, family composition, work.

Income and Cost of Living Reality
[02:42–03:36], [04:56–05:12]

Aspirations & Rationalizations
[06:14–08:00], [13:34–14:19]

Budgeting Habits
[15:50–16:21], [20:16–24:47]

Debt Deep Dive & Spending Patterns
[32:55–44:49] — Reviewing each credit card/loan, exposing recurring debt cycles.

Confrontational Parenting Segment
[69:00–73:31] — Bianca’s resistance to her son working; phone call with her son.

Personal Anecdotes, Humorous Exchanges
[52:35–54:35] — Vegas hookup story; banter about relationships.

Budget Breakdown & Solution
[84:22–88:14] — Establishment of a realistic monthly budget.

Financial Score & Conclusion
[88:59–end] — Final score and takeaways.

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Tone & Language

• Candid, irreverent, and brash. Caleb does not mince words and alternates between compassionate guidance and pointed mockery.
• Self-deprecating and humorous. Bianca often laughs off her shortcomings, copes with humor, and deflects critique.
• Vivid, authentic language. The episode is laced with profanity, sarcasm, and directness from both host and guest.

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Summary

This episode offers a frank, at times hilarious, yet sobering look at everyday financial self-sabotage. Bianca embodies the well-intentioned but undisciplined spender, regularly prioritizing short-term pleasure, rationalizing large discretionary outlays, and enabling dependency in her children—even as she teeters on financial instability. Caleb, meanwhile, refuses to let any justification slide, pressing Bianca on every inconsistency and forcing her to acknowledge the depth of her financial dysfunction. By the end, Bianca confronts the reality that sustainable change requires more than good intentions, and perhaps, for the first time, is given concrete tools and a sobering numerical assessment (1.5/10) of her financial life.

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TL;DR

Bianca wants big renovations and cosmetic surgery while deep in debt and avoiding basic budgeting; Caleb exposes every rationalization and forces her to confront the hard truths of her cash flow, debt management, and enabling parenting. The episode is a raw, irreverent, and educational look at the traps of middle-class lifestyle creep and the importance of facing one's finances head-on.

Transcript

[A]

To watch episodes of Financial Audit a week earlier, check us out on YouTube.

[B]

So, you know, a little like, boob job. That would be fun.

[A]

What is everyone doing? Boob jobs.

[B]

What is that, like 10 to $20,000?

[A]

You're in horrible debt.

[B]

When you it out there that you're gonna, like, set a goal and you're intentional with it, you can put it on your board.

[A]

Your board?

[B]

Yes. You're bored. I have spending amnesia.

[A]

What?

[B]

I don't like to look at my bank account.

[A]

Is that an option?

[B]

It could be.

[A]

How could it be? You're literally dying. You're. You're. You're strug. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Get access to exclusive shows every single day, Monday through Saturday. 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]

Hi, I'm Bianca. I'm 38 and I live in Tucson, Arizona. And this is Financial Audit.

[A]

Usually don't know much about a guest before they come on the show, but I did hear you like, the 17 year olds.

[B]

What? No, I don't. What is that?

[A]

No, you got impregnated by a 17 year old.

[B]

Oh. I mean, to be fair, I was also 17. Kind of like I thought you meant.

[A]

Right, Correction, you were 18, but not that it matters. Yeah, I don't really care.

[B]

Okay.

[A]

Yeah, that I don't really care, but.

[B]

Like, when did I do that?

[A]

The last time I did that on the show, someone got very defensive, so I wanted to see what you did.

[B]

I was like, what was. Yeah, thank God. That was like 20 years ago back.

[A]

I was actually. Yes. Well, yeah. So, okay. Wow. So this kid's out of high school then?

[B]

Oh, yeah. He has a whole job.

[A]

Pretty good for your age, actually. No, you look very good for your age.

[B]

Yeah.

[A]

Okay, well done. Congratulations.

[B]

My grandma put me on a skincare routine at like 16, and that'll do it.

[A]

And you're Asian or something, so that probably helps.

[B]

Mexican.

[A]

Yeah. One of those.

[B]

Close enough.

[A]

Okay.

[B]

Yeah.

[A]

So what do you do for a living in Tucson?

[B]

I'm in, which I hear is a.

[A]

Horrible place to live, by the way. Yeah, horrible place.

[B]

I hear it's like literal dog twice.

[A]

But horrible, horrible, horrible.

[B]

Maybe if we Send them to the dumbest city in the whole country. It'll bring back the old PETA. No, we a. It has really pretty sunsets and we have a mountain.

[A]

A mountain?

[B]

Well, a mountain range. There's multiple mountains.

[A]

Well, usually it's rare to have a mountain.

[B]

I mean, we do have a mountain in the middle of the city.

[A]

Okay, what do you do? I'm an operation mountain town.

[B]

Oh, you want like, like operations in the mountain? Yeah, operations.

[A]

Okay. Very good for like what kind of industry?

[B]

Healthcare.

[A]

Right. Okay, great. What do you make in the height of your career? Around 40 is peak earning if I'm not mistaken.

[B]

So I hope not. But I bring home 5,000amonth.

[A]

Well, if that's the height of our earning, you certainly.

[B]

I don't want that to be the height of my earnings.

[A]

Well, just if we're just talking like, but like right now, average person, right?

[B]

Okay.

[A]

Well, no, actually no, no, you're kind of right on track with like the, the median American at that point because that's $60,000 a year net. So not bad. And Tucson is not one of the more expensive cities if I'm not mistaken. I mean, I know Phoenix, you know, definitely goes through its bubbles and waves as a boom town for sure. But Tucson, no one wants to live there because everyone would commit if they did. But $5,000 there. Okay. How you doing on $5,000 in the desert with how many kids, how many 17 year olds stuck it in you?

[B]

One, four times? Well, more than four took. Yeah.

[A]

Good for him.

[B]

Yeah. We have four kids.

[A]

Okay.

[B]

But one is already moved out so he doesn't live with me.

[A]

Wait, what are the ages of these children?

[B]

19, 17, 13 and 11.

[A]

Okay. It's honestly rare that I have someone has kids that are like actual in like adult territory.

[B]

I know, it's weird.

[A]

What do they think about mother coming on financial audit? Because usually I can't.

[B]

I haven't told anyone.

[A]

What are they going to think when they see mother on financial.

[B]

I did tell my 17 year old. He's very excited for me because he.

[A]

Knows he's going to get cooked and he wants that.

[B]

I don't know. He knows. I listen to you on the car rides and they get so annoying. They're like, do you have to listen to this? But I said I'm going on.

[A]

What the is wrong with you? 17 year old piece of shit. Go stick it in an adult like your dad did. 17 year old freak.

[B]

Yeah, my kid turned 18. He's like, you could be a grandma. And I'm like, oh my God, I could be a grandma right now.

[A]

Well, yeah, I mean they are in those ages. Okay, so what's. What's going on? What's going on? You're certainly for operations manager, which sounds like a little bit more where you are. It ranges from 60,000 to over 100,000 hours a year in Tucson, which averages landing between 70, which is closer to where you are. You're about 75. 70 to 90,000 hours a year. So you're in that like. Yeah, you're in that middle range.

[B]

Okay.

[A]

And top earners usually 100 to $120,000 a year. So you're in that average for sure. Okay. So again, how you doing? Because this. Yeah, it's a lot of kids. We're taking care of college now. Let's see. That's a conversation we usually don't get to have on the show. What's going on?

[B]

Yeah, so I actually. My second son's about to go into college and I want to pay for his college.

[A]

Well, you're. How are you going to do that?

[B]

I know there's.

[C]

No offense.

[A]

You don't get to come on the show unless you're. That's how it is.

[B]

I know, but he deserv deserves it, so I'll figure it out.

[A]

Well, hold on. What is the deserve? I don't know about deserved. He might.

[B]

He does. He's a good kid.

[A]

Okay, fine.

[B]

I'm not a grandma by now.

[A]

It's a 19 year old. Not.

[B]

He is a good kid too.

[A]

See? A piece of shit.

[B]

No, of course not. No, no.

[A]

Okay.

[B]

No, no.

[A]

But he doesn't deserve it.

[B]

I mean, honestly, if he. I told him if he wanted to go back to school.

[A]

What's he doing?

[B]

He's a plumber.

[A]

Oh, plumbers will make a lot of money and I don't really see that being replaced by AI.

[B]

Yeah. So he's gotten three raises in the year that he's been there.

[A]

Well, with the 17 year old, is he going to go into community college? Are you going to be enabling? Like an art degree at a four.

[B]

Year institution that he chooses for a sports H vac?

[A]

Okay, so I feel like. Yeah, real Mexicans, we like that, right?

[B]

Yeah.

[A]

Yeah. Okay. Full sombrero DNA. We love it, we support it.

[B]

A scholarship for half his school. So I think it will only be just a few thousand for the other half.

[A]

So why are you here then? What are we talking about?

[B]

So I want to pay off the debt that I have now because I want new debt. Like I want to pay for other things.

[A]

Mortgage, I'm hoping.

[B]

No, I already have a mortgage. But I want to redo my backyard. But. But that's going to be like $50,000. So I need to pay off all this.

[C]

Tucson, it's dirt.

[B]

It doesn't matter. I live there. I live there.

[A]

It's dirt. How much does dirt cost? 50,000.

[B]

No, no. I. Concrete. I want to redo my whole entire backyard.

[A]

You want concrete? You want your yard to be concrete? I guess it's better than the rest of the dirt.

[B]

And I want it stamped to look like slate. Okay. So it looks. Yeah, you know, so I have a wood fence right now and I want to replace the wood fence. I know, right? So I want to replace the wood fence.

[A]

With what? It's a yard.

[B]

With a brick. No, a brick with the indoor lights. Like the lights are on the brick. What are you doing?

[C]

What does this house even value?

[A]

$50,000 yard.

[C]

It doesn't.

[B]

Listen, it doesn't matter. The value of my house.

[A]

What are you going to stay there forever?

[B]

Yes, I want to live there forever. What's the point of moving? I don't like moving.

[A]

What's the point of a different house? Escaping Tucson?

[B]

I can't do that. So anyways, I want it to be like all slate with a fire pit and a gazebo and a she shed. It doesn't matter. I live there like I live there. And I'm not gonna ever move. So I might as well have what I want because I live there.

[A]

Usually what most people want is to not be in Tucson.

[B]

I know, but I can't move.

[A]

Okay, so 50,000 hour yard is what I'm. I guess I'm getting you to after paying off debt. Going into debt for what else?

[B]

You know, I'm 40, so I could almost 40. So you know, a little like boob job. That would be fun.

[A]

What is everyone doing boob jobs.

[B]

What is that? Like it would be 10 to $20,000.

[A]

Fun.

[B]

Yeah.

[A]

How are they now?

[B]

They're not saggy. They're non existent.

[A]

They're tiny. You're flat.

[B]

Yeah. So then I could have some. Be like do you guys want to see my boobs?

[A]

Who's you guys?

[B]

You're whoever.

[A]

You just go around saying you guys want to see my boobs.

[B]

Not to random people.

[A]

First of all, I think honestly, other than weird chronically on freaks, most people would actually be pleasantly happy with that request. Just saying. So feel free to test that out. Number two.

[B]

So we'll see what happens.

[A]

Number two. Are you married?

[B]

No.

[A]

Okay, wait okay, so the 17 year old, you divorced him?

[B]

Yeah.

[A]

Okay.

[B]

That was my first husband.

[A]

He has a lot of time on his side.

[B]

Oh, what is. Yeah. I don't know. Yeah. No.

[A]

Okay, so you're trying to get some tits so you can get another one. Oh, wait. First. Elizabeth. How many have you had?

[B]

I have two. I had two. Had to.

[A]

Okay. Why'd you break up? It was a 17 year old. The father of all these. Yeah, Why'd you break up with a 17 year old?

[B]

He. He fell in love with somebody else.

[A]

Someone with tits. Yeah, that happens. That happens.

[B]

Yeah, I like her. Yeah.

[A]

Or her tits.

[B]

You know, I like both her and her tits.

[A]

Okay, very good. I like that.

[B]

Wait, yeah.

[A]

Oh, wait. No, no, no. Okay. No, I, I had to do the math because I met someone in the green room. Someone very hot, by the way. Someone that. Oh my goodness. But she's your sister in law, meaning. Okay, yeah. That's your brother. Okay. This is not, this is not a new wife.

[B]

Her brother, because I, I was married to her brother, but she's my sister because when you get married then you become. Then she becomes my sister. So now she's my sister.

[A]

So your ex is related to her?

[B]

Yeah, my ex husband is her brother.

[A]

Okay.

[B]

Okay.

[A]

Okay.

[B]

I. Yeah, yeah.

[A]

Stunning, by the way, that lovely person in there. And okay, you got with someone else and you. And none of these kids are. That one.

[B]

My second husband.

[A]

Was he 17?

[B]

No, he was not 17. He was my age.

[A]

I'm right here. Hello. Hammer Elite is free right now, but you got to submit proof of purchase@hammer elite.com so you can get your $10 digital gift card that covers it.

[B]

I know. Thank you.

[A]

That's a shame. You don't like that usually. Okay.

[B]

Yeah.

[A]

Okay.

[B]

Yeah, that was very.

[A]

Why? What happened?

[B]

It was just a short. Shouldn't have done it. And then we did it. I don't know.

[A]

Why'd you end it?

[B]

He wasn't great with money. He wasn't like girl. I know.

[A]

Stupid. What are you talking about?

[B]

Okay, well he didn't.

[A]

Not great with money. What are you. What are you on about? That is you.

[B]

I make enough money.

[A]

You're literally talking about financing 10 to 20,000 hours of tits in a fif 50,000 hour yard.

[B]

I can afford it. I'm not making 13 an hour.

[A]

It's not about. No, no. It's never about income. It's about your entire financial situation. Okay. How much debt do you have? How much debt do you have?

[B]

Oh, including the house.

[A]

That is debt. You.

[B]

I Forgot what I bought my house for.

[A]

How much debt do you have? Not including your debt.

[B]

Please hold. I'll do it.

[A]

Not including your house, how much debt do you have?

[B]

Okay, okay. I'm going to say 20,000.

[A]

Okay. Yep. You're broken. 37,000. Okay, so he's bad with finances and that's the reason you broke off? You're. What are you talking about?

[B]

No, no, no, no, no, no, no.

[A]

That's not, that's not even including a mortgage that you want to add an additional 52 for a yard. For dirt. For shit.

[B]

It's concrete.

[A]

So you can look at the mountain.

[B]

So I don't have. So I don't have to clean.

[A]

My entire thing's going to be concrete.

[B]

Yeah, I don't like yard work.

[C]

It's dirt.

[B]

Yeah, but dirt grows weeds and then you have to clean it. I have a giant mushroom.

[A]

So what did you learn from this? Second husband? Third.

[B]

If you have doubts, don't get married. If you're trying.

[A]

Did you get married?

[B]

I did.

[A]

Okay, and how long did that last?

[B]

Like a. A year? Yeah, I.

[A]

And why'd you end it?

[B]

It just wasn't working.

[A]

Okay, and how long ago was that?

[B]

Like two years ago, I think.

[A]

Okay.

[B]

Yeah, I'm sure.

[A]

So we're trying to get new tits so we can get a third.

[B]

But to be fair, I have wanted tits since I was born. Like since I was like a teenager.

[A]

Oh, teenager. Okay, that makes more sense. Since born's a bit odd.

[B]

Since I was like a teenager, I'd wanted them.

[A]

Okay, why haven't you? You've prioritized, obviously, other things. Including a JCPenney card. I know, it's like you could have done this. No, you've been bullshitting your entire way to here. You could be in fake territory. Why aren't you? You could have them right now. Those things could be hanging on the desk. Landon flat. We've had them. We've had people come on and just flop them out. That could have been you. What have you been doing?

[B]

Going on vacation?

[A]

So that's more important than tits? Yeah, okay, sure, if it is, but listen, you've been going into debt for it. It's more important than yard. It's more important than paying for your kids school. How are you paying for college? How are you paying for College for the 17 year old? How are you paying for College for the 13 year old in a few years? How are you paying for College for the 11 year old? And a half a decade or so. A little more than that. But Even still, how are you doing all that? If you have $37,000 in bad debt outside of your mortgage? $50,000 of future debt for dirt and then 20,000 hours of future debt for tits, which by the way, but listen, if I. They don't even feel good anyway. So it's like others won't be. Well, actually Brandon would appreciate them. Some people like fake. I don't understand it. I'll never understand it. They just. It's not right. It doesn't work.

[B]

I'll figure it out. It just happens.

[A]

Oh, that's.

[B]

Yeah, it will happen.

[A]

That's our entire argument.

[B]

Yeah, it will. Listen, no, I'll lock in and I'll pay off all.

[A]

Lock in? Why would you lock in? You're almost 40. Lock the in? What's wrong with you? Lock in? What are you talking about? You're going to die and double your lifetime. What are you talking about, lock in?

[B]

Have to go on vacation. Like mental health vacation. It's a whole thing.

[A]

Mental health vacation doesn't have to mean actually going wherever. Mental health vacation could be literally just going on a walk around the block.

[B]

No, no, no, no, no. If it's not on a flight, it's not a vacation.

[A]

What? Road trips are not vacations.

[B]

No, I cannot do a road trip.

[A]

Okay, well, you cannot, but people do road trips. People do road trips?

[B]

No. For what? No.

[A]

To go fly there?

[B]

No.

[A]

Okay, yeah, sure, fly there. But also, that's is not true vacation. Like you're going to a vacation destination. That. That's not the definition of a vacation necessarily.

[B]

I don't know, I feel like. I feel.

[A]

How frequently are we doing these?

[B]

I feel like I could probably once a quarter. Have a nice vacation.

[A]

Oh my gosh. How? No, you're. You're in horrible debt and you want to do $50,000.

[B]

If I pay off my debt, then I'll be able to afford it. The math will. Math?

[A]

Yeah, but how can you do that if you're gonna do a 50,000 hour yard and then 20 for tits, which is more debt than you have now outside of your mortgage, like you'd be maybe more than doubling your debt.

[B]

Yeah, but see, this is manageable debt right now. So then once it's paid off, what's manageable?

[A]

Then why are you even the here? If it's manageable and you're able to just lock in as you say, if it's manageable and you're able to just lock in as you say, why is the debt even here? You would pay it off if it's manageable and you can just lock in the. Are you talking about manageable?

[B]

Maybe it's not quite manageable.

[C]

What are you talking about?

[A]

This lock in. What lock in? There's no lock in.

[B]

You've never heard of lock in? It'll happen. It'll happen.

[A]

Have you ever locked in in your life? Where's your lock in? The only locked in you did is when you saw a 17 year old across the room.

[B]

You're like, he was walking on the side of the road. Thank you very much.

[A]

That's a good place to pick up a minor.

[B]

I was one too. It's not like it was wild.

[A]

You were 18.

[B]

It happens.

[A]

But either way, I really don't care about that. I'm obviously just joking about that. Twitter. Tik Tok might, but don't care about them. They're not real people.

[B]

I'll lock in.

[A]

I. I saw. I saw your face of concern when I said that. Don't worry. They're literally not real people. None of us take them seriously. Don't worry about it. But obviously I'm going to joke about it. Okay, but. But either way, what's your lock in? I don't see lock in.

[B]

It will happen. I. It will happen.

[A]

No, that's not an argument. I mean, where's your lock in? Okay, fine. We know how much came in? About 5. How much went out? Lock in. Queen.

[B]

I. Okay, here. I have spending amnesia.

[A]

What?

[B]

Spending it. You know, you just like swipe the card. No tap to pay.

[A]

No.

[B]

Don't know. Done. Just.

[A]

No. That sounds like I'm gonna guess. Personal responsibility. Your choice. Being a dumbass.

[B]

Like 7,000. I'm gonna guess. Well, no, maybe less. I'm gonna say six. I'm gonna.

[A]

You should have stuck with the original one because it's much closer to that. $6,715.32. Yeah, the payroll that came in was $4,907.88. What?

[B]

Okay, listen.

[A]

Lock in again. What the are you talking about, lock in? There's no lock in. I've never seen.

[B]

No, I did.

[A]

Once upon a time. What? Once upon a time. What? You have four kids. Look where you've ended up. Nothing's working. What are you talking about? You're gonna pay for their college. Good. The.

[B]

I. I did. I did lock in one time.

[C]

When?

[B]

A few years ago.

[A]

Does it even matter? Dude, if you were doing perfect now and you're a complete degenerate piece of 10 years ago, I wouldn't have cared about that. I wouldn't have cared about that.

[C]

I don't.

[A]

If you're doing good 10 years ago.

[C]

If you're doing a piece of shit.

[A]

Now, I don't give a shit. Okay, but tell me about your lock in. Sure. Lock in.

[B]

I lived with my dad and I paid off.

[A]

A lot of you lived in with your dad, though. But now you're taking care of your kids. Okay, when was this?

[B]

I lived with him like two years ago. And then I bought my house.

[A]

Your lock in was two years ago.

[B]

I mean, locked in.

[A]

You've accomplished this three in two years. I thought maybe this was like a decade of.

[B]

No, no, no, no. I mean it fluctuates. It's up and down. Sometimes I lock in and sometimes I forget to.

[A]

You save 10,000 hours. I'm being told.

[B]

Yeah.

[A]

And then I got from 10,000 to negative 37.

[B]

I bought a house. I had to buy things for it. I had nothing.

[A]

No, that is not had to. I don't think you know what had to is you do not have to.

[B]

Had to. What was. I had to?

[A]

Okay, what's your had to? I mean, it's like an H vac system.

[B]

Sure, but wouldn't that be taken, you know, like furniture.

[A]

Oh my.

[B]

You know what had to as a table and chair. Tables and chairs.

[A]

Did not have to in the moment. If it's going to put you underwater and put you at risk of foreclosure, put you at risk of not being able to replace a roof, put you at risk of not being able to fix a window if it breaks. That is not a had to. You cannot buy a house until you.

[C]

At least.

[A]

I would. At least 5%. I'd recommend minimum 10, but at least 5. I wouldn't get a house and then also a full six month emergency fund before doing it because people get when they get into a house that they can't afford. Like, what are you doing? Had to. What the you talking about?

[B]

I had to.

[A]

So that's your. That's your lock in?

[B]

Yeah.

[A]

The best you've ever done by 40 is 10,000 hours saved up on the side.

[B]

Life happens.

[A]

That's your argument?

[B]

Yeah. Yeah. You know what?

[A]

No, that's not a good argument.

[B]

Life happens.

[A]

What are you talking about?

[B]

It does. It just.

[A]

The most you've ever accomplished is $10,000 by 40 and it's gone. You're negative 37 when you put it that way. No. Well, that's the real way. Okay. What other way is there to put it?

[B]

I don't know. I.

[A]

So what are you talking about? You can't tell me you locked in then. You've barely accomplished anything ever. And certainly nothing to show for it. I mean, a house, sure that's good. If you've only bought it recently.

[B]

My car, that's when an accomplishment. Oh, like five years ago.

[A]

Okay, great. Yeah. So the. So the loan ended up being done. Yeah. Yeah, right. Yeah, that happens that.

[B]

Hey, some sometimes, yeah.

[A]

But you didn't do anything extra special with that. You just keep making your minimum payments until it's done. That's. That's what happens. Same thing will happen to a credit card if you don't purchase on it in decades. I mean, that's fair. Also, it was a 10,000 hour car. It's not like it wasn't crazy. It wasn't like a. That's, that's like what I would recommend anyway. So it's.

[B]

Well, I don't know.

[A]

You don't know What? What do you not know?

[B]

I think I did. I think I'm doing okay.

[A]

Why? You're one emergency happening to this house away from not being able to take care of your kids. It sounds like you have a good dad, but I mean, you're ancient. So he's gonna be. He's extra ancient. He's not gonna be around forever.

[B]

I'll figure like, listen, the New Year's coming and then.

[A]

Oh, don't do that. Bullshit. People fall off their New Year's resolutions endlessly. That's not a good argument. You should be taking actions today even though it' days before New Year's. Yeah, that's what I would say, but. Okay, so what is your current budgeting? What do things look like now? How do you manage your finances now?

[B]

So I get paid my first paycheck and I pay all of my. The bills. Right. Like electric minimum payments on the credit cards and then.

[A]

Or you pay your minimums out of the gate.

[B]

Yeah.

[A]

Manually. They're not automatically taken. So you, you get paid and you immediately take care of your manual.

[B]

Right. Like some of the credit cards that I forget about are set up.

[A]

Are you forgetting about. What are you talking about?

[B]

You know, I have like 60 on this card. I'm like, oh, yeah, I forgot about that. And so that one is.

[A]

Okay, so you do not sit down and actually manage your finances or else you would not forget about it.

[B]

I forget that I use the card.

[A]

But if you sat down and managed your finances, you'd see that you used the card. I'm. I'm confused. Okay, continue. Let's talk about student loans. I know it's something we all avoid talking about. But if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co center release program so your mom and dad can step off the hook. Yrefi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why? Refi wants to help you climb out of debt, not push you further into it. Check them out at yrefi.com hammer that is y r e f y.com hammer or call 889-733-978 that is 889-733-978 break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money.

[C]

Free money.

[A]

We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime.

[C]

Get that 350 right now in your checking account.

[B]

So then I pay all the bills with my first paycheck and then I know that I need to save minimum of a thousand or eight hundred for my mortgage on my second paycheck.

[A]

So your paycheck to paycheck?

[B]

I. If I guess yes. Well no, because I have extra money saved until I get paid again but I can't. And then like I need the second paycheck and a little bit of my first paycheck to pay my mortgage.

[A]

Oh, your entire second paycheck and your a little bit of your first paycheck. Your house?

[B]

Well, just in case.

[A]

Case. Just in case of what?

[B]

I don't know. Things happen like no, you said for.

[A]

For your payment you need your second Check. Plus a little from your first.

[B]

Yeah. Because I like there to always be money in my bank account.

[A]

How much do you leave in your bank account?

[B]

Like the thousand dollars I always want there to be.

[A]

And is there always a thousand dollars?

[B]

Not always.

[A]

So what happens? Why not?

[B]

I don't know. They just like tap the card and I'm like, oh, so listen, taps the car.

[A]

What the.

[B]

Wait, I do.

[A]

Then when you say they shut the up, it's you.

[B]

Okay, okay. I. I tap my card. But after I pay my mortgage, then it's kind of like trying to make it through until I get paid again.

[A]

What? But no, you always have a thousand dollars in your account.

[B]

No, not always.

[A]

Exactly. So why is it always making it through? Even if it was 900 instead of a thousand, that shouldn't be a big struggle to the next few days.

[B]

Well, because sometimes I. Well, okay, so I, I don't like to look at my bank account.

[A]

Is that an option?

[B]

It could be.

[A]

How could it be? You're literally dying. You're, you're, you're struggling. You just told me you struggled to make it to the next paycheck after your mortgage payment. How can you possibly not look at your checking account? How is that even an option?

[B]

Because if you don't look, it didn't happen. I don't know. I don't know. It's just like, it's annoying to look at. Like, you know, like when you look really all this money and then I'm like, me. I mean, me, I spent all the money.

[A]

It's more annoying to look in an account than not have money when we're trying to purchase something.

[B]

Yeah.

[A]

It's more annoying to look at our account than not be able to pay for school.

[B]

No.

[A]

Uh huh. Selfish. Selfish.

[B]

Okay, okay.

[A]

Selfish.

[B]

Yeah, but I mean, it is kind of annoying to look in there.

[A]

No one likes to actually phase their irresponsibility. But if you never do, it'll never be fixed.

[C]

Never.

[A]

Not once.

[B]

And that's why I'm here. I'm here to fix it.

[A]

Right?

[B]

Yeah.

[A]

You're here to fix it.

[B]

Yeah. Yeah, yeah.

[A]

Well, I'll be honest. Yes. I'll set you up with tools. I'll put you through our Master your money program. You get the premium version of the Dollar wise budgeting app. You get a lot of things. Course, career certification, Fizz card. You name it, you get it. Helium Mobile. All the good we get you that I cannot after this. Actually.

[D]

New Year, New Me. Cute. But how about New Year, New Money with Experian you can actually take control of your finances. Check your FICO score, find ways to save and get matched with credit card offers, giving you time to power through those New Year's goals. You know you're going to crush. Start the year off right. Download the Experian App based on FICO Score 8 model offers an approval, not guaranteed. Eligibility requirements and terms apply subject to credit check, which may impact your credit scores. Offers not available in all states. See experian.com for details.

[A]

Experian be next to you every single day and control your spending. I cannot force you to sit down and look at your accounts uncomfortably. I can't force you to set up the budget app. I can't force you to take the classes. I can't force you to do any of this. And look what your behavior has led to. You know, what you're doing is already wrong, or else you wouldn't have applied to be on the show. That's how this works. And yet you're everywhere. So forever spending thousands more than you make on a monthly basis. So what is actually going to change after this? This is not a magical thing that you said. But why?

[B]

Because I have a goal.

[A]

Yeah. Have you never had a goal?

[B]

Well, this time I have a real goal.

[A]

What's your real goal? Why was it fake last time? Your real goal is literally fake. Tits in a yard.

[B]

Yeah, that's what I wanted last time.

[A]

You got a house, you saved up 10. Then you. That was gone.

[B]

First goal.

[A]

Yeah, but you did it in a horrible way, by the way.

[B]

But it happened.

[A]

It happened. And you might be for it. It sounds like you are because you struggle between your mortgage payment and paycheck.

[B]

Yeah, but once I pay off my debt, then I won't have that struggle.

[A]

How do you pay off your debt if you spend 2,000 hours more than you make on a monthly basis and you struggle to make it to the next paycheck?

[B]

When you put it out there that you're gonna, like, set a goal and you're intentional with it, you can put it on your board. You know you're bored. Yes. You're bored.

[A]

Why don't you actually put in some work? If you hit.

[B]

I will. I. You will.

[A]

Okay, so your entire argument is that you will. Will?

[B]

Yes.

[A]

Nothing has ever shown that you have, but your entire argument is that you will. That's it.

[B]

Yeah.

[A]

No indication that that is actually true, but you will.

[B]

Yeah.

[A]

You see why I can't necessarily just believe that and let go of that. That's.

[B]

It'll happen.

[A]

Great. Well, Guess what? Your house has gone down 10,000 hours in value since you purchased it. Why? Because the housing market goes up and down depending.

[B]

Okay.

[A]

Especially in a boom state like Arizona. Yep. You have a negative equity position.

[B]

Lord, I didn't know that. Okay.

[A]

What percentage did you put down? You don't even know. What is wrong with you?

[B]

I. I'll think of it. I don't know. Like five?

[A]

Well, sounds like you didn't think of it. Are you just guessing?

[B]

Yeah.

[A]

Did you fha. It?

[B]

Yes.

[A]

What?

[B]

Yes.

[A]

Do you not know what you did?

[B]

No. I know. I know. I know what I did.

[A]

I know you literally have no equity position in this house whatsoever.

[B]

But it doesn't matter because I'm an.

[A]

It does. Cuz if you enter a situation where sometimes there's a reason that you have to move, that's just something that happens. That, that's rare. That's probably not going to happen, but it might happen. Or two you get financially.

[C]

You have nothing in savings, you are.

[A]

On debt, you get laid off. And we just had a good quarterly annualized GDP report, but who even knows?

[C]

The job market's not great.

[A]

What happens if you get laid off? What degree do you have?

[B]

I'm screwed if I get laid off.

[A]

Exactly. What degree do you have?

[B]

I actually didn't finish my degree.

[A]

Oh, okay. What did you go to school for?

[B]

Business management.

[A]

Yeah. Okay.

[B]

And accounting.

[A]

Uh huh. Great. Yeah.

[B]

It's just like every time. I know.

[A]

So what happens if you get laid off? You can't afford this mortgage so you need to emergency sell it and then what do you do? You have to write a check to close. Write a check just to close your own house because you have a negative equity position.

[B]

Yeah, that would really suck.

[C]

Yes.

[A]

This is a position you've put yourself in. That's why I'm not letting you just. I'll figure it out. Or it'll work because that is not an answer. You are in a position where not just you but three of your kids are in a beyond risky position. There's not a dual income situation here.

[B]

Yeah, I ain't trying to get the.

[A]

Fakeys to get them.

[B]

There's not. No, I don't want that. I don't want someone to move in with me.

[A]

Really? You're gonna stay single forever?

[B]

I wouldn't say single, but they don't have to live with me.

[A]

You're never gonna live with a guy. You're never gonna.

[B]

There's not room in my closet for guys and his stuff. There's not room in my House for one.

[A]

And this is your forever home. All right.

[B]

I don't want to make room for someone.

[A]

You know, I thought you owned because you're old. I thought maybe you've owned this house forever for a long time. So I was like, okay, maybe it actually is a dream house you have been in for a year. You don't know this is your dream house.

[B]

Yeah, I do. It's really cute. I looked at it. I knew it was not how it works.

[A]

Nope.

[B]

Yeah.

[A]

Also, I looked at it. Right now. It's fine.

[B]

Yeah, it's cute. It's really like a cute, little, tiny house.

[A]

It's tile throughout. There's not even concrete floor.

[B]

Even better.

[A]

Yeah. Ten years ago.

[B]

What? It's cute. I really like it.

[A]

Concrete is not in, lady.

[B]

It's in for me. It's easy to clean, and my electric bill is very easy.

[A]

Well, yeah, it's a tiny ass house. And it's literally, there's one little micro bush in the yard. The rest of it is just dirt. It is single story. It is brick.

[B]

Yeah. It's crazy, but if I redo the.

[A]

Backyard, the entire backyard is chockery dirt.

[B]

Yeah. That's why it needs to be redone.

[A]

With a patch of turf. Small patch. It's dirt. Dirt, dirt. This is. What a miserable, miserable place.

[B]

Yeah. I hate it. I don't even look back there.

[A]

Just.

[B]

I don't even look back there.

[A]

This is so depressing. That park is all concrete. Look, there's a dog tied to our other dog. Okay. The house is a very normal house. So I don't see how dream house is attached to this.

[B]

Because it's mine. That's why. Because it's.

[A]

Yeah, but your next house would be yours, too, and people always move on, I don't think. Okay. Yeah. Okay. Very good. So to be clear, you have a ne. Negative equity position in this house, and you want to invest $50,000 into the backyard?

[B]

Basically, yeah. Maybe it doesn't have to be. Maybe it could be.

[A]

You're.

[B]

You're.

[A]

You're broken. You're broken. What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best.

[B]

I'll be generous and say it, too.

[A]

Why be generous?

[B]

I don't know. Because. Why not?

[A]

I'm not saying be negative or be generous. Just be real.

[B]

Maybe I'm like a 1.54. All right.

[A]

If you want to figure out what your financial score is, take the assessment. It is free@caleb hammer.com. just takes a few minutes. See where you Stand in the world of money, where you need to improve, where you're already doing great. Just check it out. And if you don't want to be like a guest who ends up in the show, download the dollar wise budgeting app. New features being added every single month. Actually, by the time you're seeing this, a big, big refresh and update may have just gone live or is going live very soon. And if you sign up for the annual version, like most people do, tens of thousands of active users for a reason. Yeah. Get my budget friendly cookbook signed by me, mailed directly to you, only available through the end of March, and then it is gone forever. All right, it is time to jump into these finances.

[B]

Oh, my God.

[A]

Okay, well, this isn't a big balance actually, so I don't know What. Okay, so southwest 75 bucks.

[B]

Huh? So here's what happens. I paid off that card.

[A]

Are you. What? Yeah, 75. That's not hard to pay off. And then what?

[C]

What?

[B]

Lady, it's like 3, 500 right now.

[C]

Oh, that's real locked interview, you dumb.

[B]

It's not my. It's not my fault.

[A]

But come on. Nothing is ever your fault. And every time I have a guest on the show, it is never your fault. Why is it not your fault? Maybe it isn't. For the first time ever in the show's history.

[B]

Okay, so my sister and her husband really wanted. No, my other one. I know she really. They wanted to go on vacation.

[A]

Sounds like an emergency.

[B]

Yeah. So they invited me and another friend to go.

[C]

Sounds like an emergency.

[B]

And they. They don't have a credit card with enough like. They just didn't have credit cards at all.

[A]

Emergency.

[C]

I'm freaking out.

[B]

So they asked if I can put it on my card.

[A]

Oh, you fucking dumbass.

[B]

And they would pay me back, you dumb ass.

[A]

First of all, yeah, they're not paying for the entire vacation, including your part, so you would still. Part of your part. Yeah, my part, you dumb tits. So this is not. First of all, it is your fault because one, you agreed to it. Two, you were going there, so a part of your stuff would be on this card regardless. So you. What do you mean, locked in? Shut the up. Not your fault. Is your fault.

[C]

Shut up.

[B]

It's California. It'll be okay. Actually, I don't really understand why we're going to. We're going to some conference.

[A]

You haven't even gone yet. Yeah, I'll die.

[B]

Yeah, we're going in September.

[A]

What is wrong with you? Thank you for fueling the American Economy. But what is wrong with you? If it wasn't for dumbasses like you, who knows who we would be.

[B]

No, no, no. They'll pay me back and everything will be.

[A]

I hopefully. I hope. How much do they owe of the 35?

[B]

Well, my part was. My part was like 800. So the leftover.

[C]

Okay, so it is your fault. You dumped it.

[A]

Cause you still have 800 from zero on here. Pull it up. Pull it up. You.

[B]

Oh God.

[A]

Pull it up.

[C]

Pull it up.

[B]

Okay, okay, hold on.

[A]

Please hold on. What's wrong with you? I just don't get it.

[C]

Literally $75. I was so.

[B]

It'll be fine.

[A]

It's not a valid argument. I don't know how you can just keep saying that.

[B]

Oh, and I might have accidentally put some stuff from Christmas on there too.

[A]

Uh huh. And that's why I had you pull up the card. You don't. Dumb piece of. Shut. Quiet. PlayStation movie theater. Let me start a screen recording. So I think you got like a water this morning. You got some.

[B]

Oh, that's the hotel.

[A]

Yeah, yeah.

[B]

You know where they like hold your incidental.

[A]

Okay.

[B]

Yeah, yeah.

[A]

PlayStation.

[B]

It's Christmas, I think.

[A]

Gas. Die. Movie theater. Yeah. Expensive for that many people. Food City, Rose Garden, Dillard's.

[B]

Oh yeah. What are we doing?

[A]

Expedia, probably to come here maybe. I don't know.

[B]

Yes. Yeah.

[A]

At least you get reimbursed for that part. Southwest Airlines. Expedia. Dumbassery.

[C]

American.

[A]

American. American. American. American. American. Buzz Cafe Beauty Lounge.

[C]

$235. What is wrong with you?

[A]

You not your fault. You not your fault. Yeah, laugh about it. Coke. Laugh away. It's the only way you're gonna make it through this.

[B]

Yeah, good.

[C]

The luck, good. The flock.

[A]

What is wrong with you? $3,503.95. What is wrong with you?

[C]

What is wrong with you?

[A]

What's your normal minimum depayment? You.

[B]

I don't know, like 75.

[A]

Don't even trust you, but 75. I'm sure it's at like a 30 interest rate of stupidity and death and dumbassery. Now why the could your sister not pay for it? Huh?

[C]

Huh?

[A]

Because that scares me. Because how are they gonna pay you back if they can't pay for it themselves?

[B]

It's because they had like filed her bankruptcy. So they didn't have any of their.

[C]

They didn't have any of their.

[B]

Yeah, they will. They will, they will, they will.

[A]

To file for bankruptcy yet you're doing all of this.

[C]

Oh, why can we not learn from.

[A]

Other people instead of having. You have to learn it through your own 3. What's wrong with you if you don't get punished, if you don't go through it yourself, you can't learn from it.

[C]

You just saw what your sister went through with bankruptcy and yet you're doing this yourself.

[B]

Hers was way worse than mine.

[A]

Poor now you cuz.

[B]

No, this is it. This is the limit of how high they.

[A]

Because listen, when you said in your statements and what I thought bought was $75, you fractured up to 35. So shut up. This is the worst. You. That is not like.

[B]

This is the worst. Like here.

[C]

Yeah, that is how this works is you applied.

[B]

It'll be fine.

[A]

Since you said in your documents since well after your first or second call.

[B]

Through the application process and the tickets went on sale and you had to have the money for this, the tickets went on sale. You had to have the money there to buy them.

[A]

Doesn't matter. Listen to your logic, listen to your excuses, listen to your coping. That is why this will not be the worst. Because there will always be to make excuses and cope and dumbassery about.

[C]

Yep.

[A]

Huh? What?

[B]

What? I just.

[A]

What do you want? What?

[B]

Honestly? A budget. Right? But can we add in like vacation die?

[A]

No, you. You have kids. You selfish. What is wrong with you? Seriously, what is wrong with you? That is so selfish and disgusting of you. You have children. You've promised to pay for their college. I don't know how that's going to happen. You're going to take out student parent plus loan pounds. Yeah, that's more debt.

[C]

We're adding more debt to the pile.

[A]

You.

[B]

No, no, it'll even out pay off. I'll pay off this one. No, the other one. You just like switch.

[A]

No, because your debt's worse than I even had. Okay, so now it's. What is it like? Closer to. But it's like 42 now. And you're about to go again. 50 for the dirt.

[B]

No, no, I won't want you for.

[A]

The parent plus I won't want you for the titties.

[B]

I won't do any of that until this is paid off.

[A]

No, you don't understand what I'm saying. You actual. I'm sorry. Dumb. Listen, listen. 20 for student. 24 tits. 54 math.

[B]

All together is more than this.

[C]

You got there.

[A]

You figured it out. Accounting. Well, you didn't get the degree, I guess, but neither did I, so.

[B]

Okay, you know what? Fine. You've convinced me. Maybe I'll do like 30 on the backyard.

[A]

You'Re literally Mexican. Do it yourself.

[B]

I can't do it myself.

[A]

Really? It runs through your DNA. I can't do it myself. I'm a. I have no manual labor skills.

[B]

I don't like manual. I'm tired. I don't want to even want to do my yard. It takes like two hours every month. I gotta work on my yard.

[A]

But you were born for this.

[B]

I was not born for this.

[A]

I'm being racist right now. Let me be racist.

[B]

Because, yeah, I was not born for that. Or I could find someone who could do it for me.

[A]

Yeah, another Mexican. I'm sure there's someone in Tucson, huh?

[B]

Someone like, who will do it at a very low price because I'm cute.

[A]

You haven't gotten them yet. They're not there. There's nothing for you to show yet. You can't like.

[B]

Right?

[C]

Please.

[B]

You know what? My personality gets me kind of far sometimes, depending where we are.

[A]

Yeah. Two ex husbands.

[B]

Listen, I'm a great wife. Bad picker of husbands.

[A]

Never your fault, huh?

[B]

No, I said I picked him bad. I picked.

[A]

But you're a great wife. I'm sure you were perfect in the relationship.

[B]

I'm sure some people could argue their points, but.

[A]

Two late feces here so far.

[B]

Oh, yeah. See, sometimes I. I forget what is wrong with you. So sometimes I'm really good at my budget. I put it in my phone when the due dates are due.

[A]

It doesn't matter if it's. Sometimes I'll just interrupt you. I'll just interrupt you.

[C]

Sometimes I forget a budget doesn't matter.

[A]

If it's only sometimes.

[B]

It just doesn't, you know, when it happens, it's great, but it doesn't matter.

[A]

Because you yourself in the next month, in the previous month.

[B]

Yeah, I. It's just sometimes I do really great and then sometimes it falls off the wagon.

[A]

Just because you get no dick doesn't mean you need to yourself to feel something. But that's what you're doing every other month at a minimum. A budget is not working if you only sometimes follow it.

[B]

Okay, okay. But from now on, off.

[C]

That's not an argument.

[A]

I can't listen to that. I can't listen to that. Just stop saying that because that is a pointless thing to stop. Because you know what that is? That is a brushing criticism to the side. That's all that is. That is an answer because you don't want the pushback anymore. But it's not an answer that anyone can listen to, including yourself. Okay, I will believe it if and when you do it, and I can see it until then, you cannot just say I'll do it, because that is not anything.

[B]

But some of them I have paid off.

[A]

What?

[B]

Some things I have paid off.

[A]

This went from 75 to $3,503.

[B]

It's.

[A]

Yeah, shut the up.

[B]

Okay, okay.

[A]

You're already talking about going into over 100,000 hours of debt.

[B]

But I won't do it. I won't do it until this paid off.

[C]

No, I'm earn additional debt, you actual moron.

[A]

Okay, yeah, Google your way through that. It's the only way you're going to survive.

[B]

Okay, fine, I'll.

[A]

I didn't say it was. In addition to this, which by the way, you're never going to pay this off based on your behavior. $2,000 more on a monthly basis spent. Good luck.

[E]

The number one YouTube membership just got upgraded and for this month only, you can join for free. See exclusive shows every day, Monday through Saturday. Financial audit post shows. Exclusive and uncensored financial audit episodes. Obviously your TIME 100, but including fan favorites. Audit update.

[B]

I'm seeing a therapist now. Wait, like personally or romantically or both.

[E]

Audit breakdown.

[A]

And we still don't film with people like that. Like he is a next level.

[E]

And hammer it out.

[A]

Put discipline into your budget. That's what I was thinking.

[E]

Plus, you'll get access to Hammer Elite Day on January 31st. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of [e-mail] and we'll reimburse you for your first month with a $10 digital gift card that can be spent anywhere in months. Countries. Sorry, North Korea. This isn't for you.

[A]

This is how we have to do a free trial on here. Because the platform doesn't currently offer free trials.

[E]

It's okay. Yeah, it's worth it.

[A]

Yeah, it is.

[E]

Join Hammer Elite, the best membership on YouTube today for free.

[C]

Starbucks is bull and a waste of money.

[A]

And you already know that by making your coffee at home and investing the rest.

[C]

So now you need to do that.

[A]

With with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show. Fat and fatter. The number one ranked energy drink is gamer subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below, type in code Caleb.

[B]

But see, when I do my budget right, I know there is extra money there sometimes, but where is it?

[A]

What?

[B]

Yeah, you know, like, okay, I bring in 5,000. My mortgage is 2. My bills are a thousand. So then the rest of it I don't know. So if I can figure out where the rest of it is, that's what.

[A]

Doing a budget is for. You should be able to see it, you moron. All right, please go through Master your money. Listen, okay, listen. Tens of thousands of people have taken our classes. Just do it. You guys can sign up for Master Money, join the community. It's incredible. Check that out. Caleb.hammer.com. but also just like, what are you doing? You actually have to take it. I can't just hold your hand through it. I can't force you to do it. You have to do that on your own. And I can't listen to someone who just says, I'll do it. Show it, prove it, come back.

[B]

Okay, I'm.

[A]

Yeah, yeah. Late fees like crazy. Now that 35,000. 3,500 at a 27% interest rate of death. Oh my.

[B]

Don't. Sorry.

[A]

Do you smoke?

[B]

No.

[A]

Good think, cuz every single person. Do you vape?

[B]

No.

[A]

Usually this bad behavior translates.

[B]

Yeah, see? All natural. All natural bad behavior behavior.

[A]

City Strava. What's going on? Strata.

[B]

Yeah, that's. That's big.

[A]

Wow. What a detailed description.

[B]

I don't know, I just use that one when I'm like, oh, I, you know, need to spend money, but I don't want need. You know, some need is whatever where.

[A]

The car actually, if you learn the difference between needs and wants, maybe that would actually be beneficial to you and you wouldn't be in every way whatsoever.

[B]

So the card needs to be swiped, but I don't want it to come out of my bank account. So it goes there.

[A]

And how is that penny fitting you? You know, that also means it's this money you don't have. If you can't afford to put it on your checking account means you can't afford to put it on a credit card.

[B]

I want it to go on my checking account.

[A]

Why? I mean, you told me that after your mortgage payment you struggled to see if you can even have enough money to make it to the next paycheck. So. What the. So it's not just you don't want it in your checking account. You can. But regardless, yeah, no shit, because it's $416.83 spent last month after only making the minimum payment. Well, $125.43 of interest accrued. So this went up by $300. Essentially. You. What is wrong with you? What is wrong with you? Why are you spending so much on a card that you cannot pay off that is accruing so much in interest? You.

[C]

Why?

[B]

It has to. Things have to get paid.

[A]

Has to. Have. Have to. Have to. Strongly going to California. Have to.

[B]

It's already done.

[A]

No, but you're saying I have to.

[B]

Okay.

[A]

Also, you'll spend more money when you're there, so I'd cancel it anyway, but 16 years. 16 years to pay this off if you do not purchase, which you're incapable of, and if you make. And if you only make your minimum payments, which so far, at least that's what you did. But we already know from the last credit card, you missed two this year. Let's see, from this card. Card. From this card. Okay. You didn't miss any this year, but you've had almost a thousand hours in interest by year's end. It'll be a thousand hours in interest this year.

[B]

A lot.

[A]

Yeah, That's a lot. So that's the consequences of, oh, we can't put in our checking account right now. Thousand dollars gone. Ripped from you. Stolen. Gone. Done.

[B]

Yeah. They need lower interest rates.

[A]

Huh?

[B]

They should lower the interest rates they have.

[A]

With the Fed. Following the Fed, it's likely closer to 30. Now it's closer to 27. But even still, it's. You're not going to get a good rate on this card. It's just.

[B]

I know. And once.

[A]

Okay, so here's our needs. Salad and go.

[B]

Oh, yeah. Gotta eat dinner.

[A]

You're a mother. Yeah. Cook.

[B]

They know. I. I cook when they're there, and then I forget to cook when I don't have them. So you'll notice.

[A]

Are you.

[B]

I just don't want to.

[A]

How do you forget everything? You forget your budget, you forget your bills, you forget your cards, you forget to cook. Cook. What are you capable of?

[B]

I just really don't want to.

[A]

Okay. Want. There you go. You don't want to. This isn't want. Not a need. I don't want to hear it. Okay. Creations Mall. Going in and getting some roadhouse. Roadies. Roadhouse. Roadies. Roadhouse. Roadies. Chick fil A. Chick fil A. Those are our needs.

[B]

Dinner.

[A]

Yes. Wants.

[B]

Okay. I. You know, I. It doesn't seem like that much at the time. Like they're like $10, $12, and then boom. Spy.

[A]

That is what happens.

[B]

Yeah.

[A]

Why can't you cook for yourself?

[B]

I can. I just don't want to. I'm tired.

[A]

Tired? Meal prep. That's what meal prepping's for. You cook a couple times a week and you warm up. Welcome to meal prepping. Use our cookbook. Use the meal plan in the budget class. Well, that. That's. It's.

[C]

So.

[A]

It's. Is it the most pleasant? Is it always the best? No, but you're sacrificing for this better life that you're trying to get to. That's the whole point. That's why we do it temporarily. And if you know that you do not like to cook when the kids are not there, then there you go. You found your. You found your solution. Meal prepping.

[B]

Yeah, but sometimes I. I don't know, you, like, forget to meal prep, prep, you know, I try to forget.

[A]

Again. What is wrong with you? And forgetting everything is forgetting. Are you capable of anything?

[B]

Yeah.

[A]

What is wrong with you?

[B]

Yes.

[A]

Well, you don't forget when your kids are there, right? So you shouldn't be. You should be able to replicate that when they're not there. What?

[B]

I don't know. I just don't. I. Why?

[A]

Why what?

[B]

I don't know. I don't want to. I don't want to meal prep on Sunday. I just want to do nothing. And then that means you also have to do it, like, on Wednesday or Thursday.

[A]

Listen, I'm not saying you can't go out to eat at all. But the fact is you're spending all this money that you do not have while you have bad debt, while spending $2,000 more than you make on a monthly basis, while not having enough money to make it from your mortgage payment to your next whatever by paycheck. Like, it's just eating out. Doesn't fit in there. Also, you're trying to get fake tips to improve your looks. Yet you go and you get fast.

[B]

Food, salad, and go is healthy for you. And so is chick fil A, because I get.

[A]

Sure, but you're already dangling, like, if you want to get fake tits to, like, bring in the dick, you know, lose this. I gotta do it too. That's why I can say it. We can touch. We can touch danglies if you want.

[B]

That could be genetic too, by the way.

[A]

Okay, yeah, but you can also, like, probably cheaper than fake tips, but either way, it doesn't matter. I'm not like, ripping on you for it, but if. If all our money's going to attract peanuts is.

[B]

It's not for that.

[A]

What you just said. You want to go around, be like, hey, want to see my tits? To everyone? That's what you said. I mean, that's what you said.

[B]

Okay, but I like them too.

[A]

Well, yeah, I'd hope it's also for you and not just other people. That'd be really sad if it was just for you.

[B]

Yeah, I want them, sure.

[A]

But you seem to want chick Fil A and salad to go. And roadhouse roadies more.

[B]

Yeah, that was just a movie.

[A]

Huh?

[B]

I think. I think that was just a movie.

[A]

Yeah, three times.

[B]

Oh, maybe that was drinking drinks. Okay, okay.

[A]

It's a bar, dude. Yeah, it's a bar, you tit. What is wrong with you?

[B]

It's a bar.

[A]

So you're trying to get lady, you're going out there drinking it up?

[B]

No. I mean, yes, I like to drink, but I don't. Not at people. At roadies.

[A]

Well, how do you get them then?

[B]

I don't.

[A]

You're not on the prowl? No, dude, get on the prowl before, you know, like, you're already in the desert.

[B]

You said it's Tucson. I don't know.

[A]

No, but you're already in the desert. You're gonna be drier.

[B]

I might not be technically single, you.

[A]

Know, does it impact.

[B]

But I just don't want. I just don't. The dating scene in Tucson is not. Not it. So I'm thinking maybe outside of Tucson, you know, but that's later. That's later. That's Next chapter.

[A]

Pause. Hammer Elite is free right now, but you gotta submit proof of purchase@hammer elite.com so you can get your 10 digital gift card that covers it. Next chapter. When's Next chapter? It sounds like you're 10 chapters. Yeah, but your next chapter is going into 100,000 hours of debt for your next chapter, so. What are you talking about?

[B]

Well, maybe I won't.

[A]

I hope you won't. Yeah, maybe that would be walking away, learning something, but we'll see. Oh, well, you hooked up with someone in Vegas, I'm being told.

[B]

Yeah, that was fun.

[A]

Well, there you go.

[B]

Cillavi.

[A]

Huh?

[B]

It happened.

[A]

Celee.

[B]

Yeah, it just. It just, you know, it was. What it was. I actually.

[A]

Was. Was it a stripper?

[B]

No, no, it was right before we left.

[A]

That'd be fun.

[B]

I don't think that would be fun, actually.

[A]

How'd you find this guy?

[B]

He was a friend of a friend.

[A]

Oh, that gets messy. See, that's why randos are better.

[B]

It got a little messy, but that's okay. It wasn't you know, like, when you're in the friend group, then you don't realize, like, someone likes him. And then, you know, you got feelings.

[A]

Hurt and he made a move on you. You made a move on him?

[B]

No, he made a move on me. But guys do.

[A]

Yeah, guys wanna. Are you surprised?

[B]

No. I don't know. I don't know. It just happened. Like, I literally told myself, like, he's not coming in. So. And then he came inside, and I was like, well, fuck it.

[A]

What, bro? What are you talking about, man? Wait, whoa, wait. What? Whoa, whoa. Repeat that? I was reading something. He said, please. You said, please do not come inside of me.

[B]

No, no, no, no, no, no, no, no, no, no, no. When he. Cause I needed a ride home, right? And on the drive home, I'm like, he. I was telling myself, he's not coming inside, right? He's not. He's not gonna. Inside my house. Inside my house.

[C]

Oh, inside my house.

[A]

Hold on. Okay.

[B]

Like, we are not hooking up. I'm not go. I just met today. Okay, Right. That's not gonna happen. And then we're on the front porch and it happened. Not on the front porch, but we were on the front.

[A]

Girl, you gotta use your words, dude. More intentional on the front porch.

[B]

And I was like, you know what? It really has been a minute. Like, why not?

[A]

Yo, there is nothing wrong with having sex.

[B]

Yeah, I know. So then he came.

[A]

But messy. And friends.

[B]

I don't know. I didn't know until the next day. So I.

[A]

What?

[B]

I didn't know that my other.

[A]

That you were having sex until the next day.

[B]

No, I didn't know that my other friends liked him until the next day.

[A]

Oh, I didn't even know that. What the. He's shouldn't be having sex with friends. I mean, this is a good general rule to follow, by the way.

[B]

Now we're not friends, and it's. Okay.

[A]

Well, because of this, probably.

[B]

Yeah.

[A]

Was he wrapped?

[B]

Yes. Yes. I'm pretty. Yes. Yes. We didn't have.

[A]

Hold on. What?

[B]

Yes.

[A]

You're pretty sure?

[B]

Yes.

[A]

Hold on. You just. You were walking it back for a second.

[B]

No, no, no. Yes.

[A]

Okay. Last 10 minutes of this conversation was for you kiddos out there watching your mom here.

[B]

They're not watching.

[A]

No way. They're not going to watch this. Your older kids, her mom on, like, the top 10 podcasts on the Internet. There's no way they're not watching this.

[B]

We'll see what happens.

[A]

Millions of people are learning that you don't even know if your Friend wore a condom?

[B]

Yes. For sure. Yes.

[A]

Which I love, by the way. I love that.

[B]

For sure.

[A]

What a show.

[B]

And see me, this is a financial. Happen very often.

[A]

Why?

[B]

I don't know.

[A]

Make him wear a condom. Take some dick, dude. Yeah, listen, if. Maybe if you were more focused on taking dick, you wouldn't be going out and blowing all your money on.

[B]

The hard part, though is like, I can't just do random hookups. Like, I don't know you. You can't let a stranger into my house. And I am not going to a stranger's house. So what do you do? That's it?

[A]

No, you meet at a bar first and then you. Okay, okay.

[B]

But like, you just met them. You're going to let some random person eat.

[A]

I've had my fun. Let's move on. American furniture. Great. Okay, so I thought the 10,000 went to furniture. But look, we're getting furniture cards. So it was more than that. Huh?

[B]

I had nothing. I had no furniture. No nothing. And so I needed.

[A]

First of all, why. How did you not have furniture in your other place that you came from?

[B]

Because your dad.

[A]

But you've probably still had some.

[B]

No.

[A]

How long were you with your dad? Since forever.

[B]

Yeah. So when I. Okay, so I. When I was still married, we had my apartment and then we moved into. Right before we separated, like a few weeks before we separated, we moved into his brother's house that was already furnished. So I didn't take any of my stuff, like any of my furniture. I gave it all away.

[A]

Okay.

[B]

And then when I left, I just.

[A]

This is interest free for now with a 73.68 minimum payment. I think it's interest free. We'll see. You make your minimum payments only. It takes five years. The. The way you're going, if you don't purchase, by the way, which I actually.

[B]

Need to pay that off like asap.

[A]

Yeah, I was having a feeling. But we'll probably get to that on the next page. Balance1966 dol. Six cents.

[B]

Yeah.

[A]

Okay. Please don't be deferred. Let's see. Lots of fees this year so far, by the way. Why? 111 hours of fees. I don't know if those delay fees or what.

[B]

Oh, yeah, they might be.

[A]

Oh, hundreds of dollars. Hundreds of dollars into furniture.

[B]

Oh, yeah.

[A]

In like a couple months. Oh, you're done?

[B]

Yeah, yeah, yeah, yeah. No. Yeah, yeah, yeah. I might have to.

[A]

Yeah. Why you do this? So, dude, you have to make like.

[B]

It's because I had another card that had deferred interest that needed to get paid off first. So I put all my payments on there.

[A]

You have to pay a thousand dollars a month to pay this off in time, you spend 2,000 more than you make. Good. The.

[B]

But if I don't spend the money more than I make, the money will.

[A]

Sure. If you don't do this hypothetical thing that you've been incapable of, then it works. Shut the up. That's not how this works. Like sure. I hope you implement correct behavior from here mirror. Nothing has suggested that you would do you would do so.

[B]

Yeah, I don't know what to do on that one.

[A]

Oh, $1,000 a month for the next two months or else if hundred's being added in interest and then continuing to crew from there.

[B]

Yeah, yeah, yeah. Oh, I know, I know.

[A]

Personal loan. Oh.

[C]

At 15.8%. What is this? $12,330.59.

[A]

That is a massive balance.

[B]

You okay?

[A]

What is going on?

[B]

So once upon a time I had credit card debt.

[A]

Oh, good. Please don't tell me you consolidated consolidation is not a bad thing. I want to be clear. Personal loans are not bad. Student loans are not bad. Consolidations are not bad. Bankruptcy. But I can get it as a last resort.

[C]

It is bad if you don't fix the behavior.

[B]

I. I was. I know. Yeah. Look where we are. But that one is 15 compared. Like my logic was no, the credit.

[A]

Cards doesn't matter because you have racked up your credit cards again. So you doubled your debt from where it was. Doesn't matter what the interest rate is compared to the interest rate. But when I don't change your behavior, you come double.

[B]

Yeah, but when that's done paid off, then I don't have that payment anymore.

[A]

When the debt is done paid off, you don't have the payment anymore.

[B]

Like it's a monthly payment for like five years or three years.

[A]

Yes, that is how a debt works. Once it is paid off, you do not have a payment.

[B]

Yeah.

[A]

Did you just. Did you seriously just tell me that?

[B]

But yeah.

[A]

Oh my goodness, woman.

[B]

How could you like all of that will be paid off in three years.

[A]

Those the dumb ones that have the most amount of children. What is happening?

[B]

So sure.

[A]

Huh.

[B]

But listen, when that has like a set time to be paid off, are.

[A]

You sure we can't send you back to school with the 11 year old? When the debt is paid off, there's no more payments.

[B]

Yes, that's what happened.

[C]

That's what happens.

[A]

I get it. We're doing the minimum. Yes, the minimum. Dependence. Same with the car that you paid off. Same with the credit cards. When it is done, it's done.

[B]

Yeah.

[A]

What are you saying then? Is this something else you're trying to say? That maybe I'm not picking up? Maybe I'm here. Let's find out.

[B]

Well, so that monthly payment is like 450, and in three years it's $12,000 that I paid off. And then that's paid off.

[C]

What is wrong with you?

[A]

Yeah, that's how minimum payments work. Okay.

[B]

Yeah.

[A]

Oh, my goodness.

[B]

But it's three years.

[A]

Do you tell yourself that every night?

[B]

No, just once a month when I look at it.

[A]

Okay. Yeah. You're gonna be 41. You tit, you tit, you small tit.

[B]

It's fine. It's fine.

[A]

Get it? Because you're flat.

[B]

Yeah.

[A]

Which we love the flat naturals, by the way. Don't hate yourself for that.

[B]

I. I don't.

[A]

Good. Good. You don't need to make them feel all not great.

[B]

Gosh, every time they might not even happen. I've been wanting it to happen for 20 years and it might not happen.

[A]

Every time I've touched a fake tit, I've been very disappointed and I. Please. How do you know?

[B]

Do you ask them, like, are your tits fake?

[A]

Dude, Touch a fake tit, you know it's fake. It's as clear as that. Have you never touched a fake tit?

[B]

I don't know.

[A]

No.

[B]

Yes, I have. Yes, I have.

[C]

Yes, exactly.

[A]

All the time.

[B]

Honestly, I like them both ways.

[A]

Well, it looks like it's A$461, which is chunky, by the way. $461.60 monthly payment.

[B]

It's cuz I wanted to pay it off in three years.

[A]

Wait, this is the second time you did a lending club lo alone?

[B]

Yeah.

[A]

What the.

[B]

I don't know. So the first time, maybe third time's the charm.

[A]

Second time, no, you're not doing it again.

[B]

No, I'm not gonna do it again.

[A]

So no, third time's the charm. What are you talking about? Or is this the third?

[B]

No, that's the second one.

[A]

What was the first one?

[B]

The first one? The first one. I don't know. Was it a long time ago, you.

[A]

Don'T remember what it was for?

[B]

The same thing.

[A]

So you're never learning, you're never making progress.

[B]

Sometimes life happens.

[A]

Life happens. These are your choices. This is not life. That. Dude, a trip to California was not life happens. That was not an emergency. There wasn't a dying relative to go see what Are you talking about where are you going in California?

[B]

A little fun.

[A]

A little fun? Little fun? You're talking $900. A little fun Is maybe you go to the park? If yes, that's a little fun. A little fun? Yeah, a little fun. Going to the movie, seeing the new Avatar and oh my goodness, the new firewoman. Oh, I am gooning. And she's flat as well. And I would stick it in an alien for the first time in my life.

[B]

Avatar.

[A]

Yeah. You what?

[B]

Okay, I want to go see Avatar.

[A]

Well, I will allow that little fun.

[B]

Okay. Okay.

[A]

And she could crush me. And I would love it. My goodness. What's her name? Avatar Fire and Ash. She could do whatever she wants to me. Varang.

[B]

Okay.

[A]

Yes. Played by Ona chaplain. Oh, one year older than you.

[B]

Dang.

[A]

Same. It still works.

[B]

That's fair. That's fair.

[A]

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[B]

Enjoy.

[A]

Links are in the description below. Below. Okay. Wow. 12% paid off. Well done. Freedom card. What's going on?

[B]

And no late fees on that one. That one. Some of most of it went on to the loan. Right.

[A]

Okay. Then you built back up. Shocker.

[B]

Who would have thought?

[A]

$608.89 with the $40 minimum payment. Purchasing $121 while only making the minimum payment while accruing $12.72 of interest. 19 months to pay off. What is wrong with you? What is wrong with you? You consolidated this and you built it up to hundreds of dollars in.

[B]

Don't forget that it was connected to Amazon.

[A]

You forget everything. I forget everything. You forget everything. You delete Amazon. Pull up your Amazon.

[B]

Okay, I. I will. But to be fair, so some of this is not paid on my card. Some of it.

[A]

Well, when I pull it out and it wasn't, tell me.

[B]

Okay, if it's like, work stuff, that's obviously paid on my work card, and if it's coffee, that's my dad.

[C]

Pull up your Amazon.

[B]

Please hold. Please hold. Here you go.

[A]

Yeah, It's Amazon. Amazon on 500 in interest this year so far. Is this.

[B]

See? Some of it. My dad doesn't know how to use Amazon, so I put his card on there and he asked me, is this.

[A]

Make it. Make it feel like you're having contraptions machine?

[B]

I don't know. That's very different. I don't know. I think it's a blood pressure thing. I don't know.

[A]

Nitro elixir. Poor hormone.

[B]

That is my son's Christmas gift. Gift? He wanted cologne.

[A]

Okay. Military model plan. Assuming that's also for them. Professional resistance Machine actually is probably you. I don't think that's for your son.

[B]

That's Christmas. That was mine and I didn't pay.

[A]

The house made secret. Oh, that's one of those goon books.

[B]

No, no, no. It's my Secret Santa. All of that stuff, like the earrings and the bookmark. I did like a cute little secret Santa.

[A]

Yeah, Cute little secret Santa that you can't afford. Well done. That doesn't make you good. Countertop ice maker.

[B]

Q. Oh, see, that was paid with.

[A]

Doesn't matter.

[B]

I didn't do that. It was paid with a company card.

[A]

Okay. Wire hooks, acrylic pens, Christmas tree skirt.

[B]

That's all work.

[A]

Spoon rest, stove top, chunky cotton knit. You got a Kendra Scott windshield cover. You. Doesn't matter. Christmas doesn't all of a sudden make it affordable, by the way. It really doesn't. I don't. I do not understand that logically. Stockings. You got some caramel, French vanilla pump, coffee pump. Now lots of markers. You got a black double line, basic body something. You got a skirt for women, a crown.

[B]

Halloween. Halloween costume.

[A]

Oh, my gosh. It doesn't matter though. That doesn't make it affordable. A holiday does not make it affordable. A birthday doesn't make it affordable.

[B]

Like you can't have a Halloween.

[A]

No, your kids are actually old enough. Where, okay, Halloween, you might be able to do some like, some makeshift shit. But first of all, two of your kids are old enough to work to be very clear and get their own shit if they want to. Two, when it comes to Christmas, your kids maybe other than the 11 year old, but even them are Secret Santa that you don't have to do that shit. But your kids alone, you can sit down and be like, yo, can't really afford as much this year. We'll try to do as much as we can. We'll double up Christmas next year. It'll be great. Mama got to work.

[B]

Okay, cam.

[A]

Okay. She 17 year old. Whoops. Messed up my life.

[B]

God forbid.

[A]

God, I can't keep. I hate hooking up, but yet I go marry men that I have to divorce every second of our life. So clearly we're doing men, right? It's like, yeah, but he.

[B]

Listen, their dad makes a lot of money sometimes. A lot of times, good for him.

[A]

That's him and not you.

[B]

I can't have him get them like expensive gifts and then I'm over here like, here's your $10 target gift. You know, like it's not.

[A]

You can. Cuz you have an adult conversation with them, as two of them are practically adults, 17 year olds about to be. And one is two years into adulthood. So. So.

[B]

Well, him. I only got him one cologne.

[A]

Well, there you go. See, it's working. You can have a conversation, but that all of a sudden doesn't mean you need to do Secret Santa either.

[B]

I mean, I. Yeah, shut the up.

[A]

Slate $40 month payment balance $1,235.15. 4 years to pay off interest accruing. Purchasing. Absolute stupidity across the board as always. What are you doing? What is up with this card?

[C]

What are you doing.

[B]

That one too? I'm like, what did I.

[A]

What is wrong with you?

[B]

I don't know. I've had that card.

[A]

You don't even know.

[B]

Sometimes, you know, you just spend it and go spend it and go.

[A]

What is Pinkberry?

[B]

Oh, that's frozen yogurt.

[A]

Die. Just. What is wrong?

[B]

It wasn't even for me.

[A]

How is that more important than your kids? How is that more important than everything you're doing? Your mortgage, your emergency fund, your security. You've had a late fee this year so far. You're gonna have a thousand hours in interest this year here with this card. What is wrong with you? You don't give a. You don't give a. I do. You divorced the first one cuz he's bad with finances. You. And now you said he's making more money. Yeah, it's like what? Okay, double cash. What's going on? You're certainly not reaping the rewards.

[B]

That one I just let my son use.

[C]

Why? He is using it.

[B]

Yeah, why?

[C]

There's it just a cruising you.

[B]

He needs like gas.

[A]

Which kid?

[B]

The 17 year old. Because he drives the kids to school.

[A]

17 year old. Good. Call him.

[B]

No.

[A]

Call him.

[B]

No.

[A]

Yes. I'm telling him he is not using this anymore.

[B]

But it's because he doesn't have Apple pay and I can't transfer money. Call him.

[A]

Call him. Yes, call him. I'm telling him he cannot use this anymore. Mama's broke.

[B]

Okay, okay. Call him. I'll tell him.

[A]

Call him.

[B]

I'll tell him.

[A]

Call him. What is wrong with you?

[B]

Yeah, but here's the thing. Like sometimes because he drives the kids to school and call him, sometimes he needs gas.

[A]

Why can't you call him?

[B]

And I can't transfer for money.

[A]

Why can't you call him?

[B]

Give him cash to be. I don't.

[A]

Why can't you call him?

[B]

Well, technically he's in Mexico right now with his dad, so I don't know.

[A]

Call him.

[B]

I hate boundaries.

[A]

I don't care. Call him.

[B]

Not my favorite. Okay, okay, we'll call him.

[A]

Hey, hey.

[B]

I know, I know.

[A]

Minimum payment, $20 balance $285, 26. I won't swear in front of him. Cuz he's a kid.

[B]

Yeah, he's a good kid.

[C]

Give me the phone.

[A]

You.

[B]

See if he'll answer.

[A]

Yeah, if you double call him.

[B]

But he is in Mexico, so I don't know. Hi, honey. Hey.

[A]

Hey, big guy. You can't spend on the city double cash card anymore, okay? Mama's gonna give you cash. Wait, what? Oh, is that the guy?

[B]

Yeah.

[A]

Well, I am the guy. Am I on TV right now? Well, you're on the Internet, which is better, but. Oh, and I thought a 17 year old would know that, but you're kind of talking like you're 80. That's fine. Listen, here's the thing. You can't spend on the city double cash card. Your mother was broke. She spent it all on frozen yogurt like a dumb butt. Okay. Is that okay?

[B]

Yeah.

[A]

Cool. Yep. Take cash from her. That's it. Enjoy Mexico. You don't have to stay there. You can come back. We'll it all right. Thank you. All right. Love you. Bye.

[B]

He's such a good kid. I love them so much.

[A]

I hope so. Well, he's getting Catalina food. Touchdown something and then some gas. So it's more than just gas.

[B]

Yeah, well, I mean he. He does a lot. He takes them to and from school every single day. For me and his 17 year old.

[A]

I was working at 17.

[B]

I don't want you work.

[A]

He needs to. What?

[C]

Why?

[B]

Because I want him to go to school.

[A]

What? I went to school and worked. Are you stupid? What are you doing? What are you talking about?

[B]

It's a lot, but I did pressure. He has really good grades.

[A]

He has good grades, Dude. A lot of people do this.

[B]

I don't know. We'll see.

[A]

No. That's a no, by the way.

[B]

Well, I mean his dad wants him to work.

[C]

What?

[B]

Yeah.

[C]

Yes, because it is something good.

[A]

I'm glad I did. I hated it and I'm glad I did it.

[B]

I don't. Yeah, okay. Okay.

[A]

Learn me to at least work for money.

[B]

I know, I'm. He actually wants.

[A]

Maybe I should have gone to school more.

[B]

He wants a job. So he probably will get one of.

[A]

He wants one?

[B]

Yes, he wants. What is wrong with you applied for them. It's hard. What am I going to do when they.

[A]

Everyone except for you wants him to work. Yeah, including himself. Stop being a helicopter mother. You can't even helicopter your own life.

[B]

And so who the are you just.

[A]

To hold someone back? Back?

[B]

I'm not holding him back.

[A]

Yes, you're not letting him get a job when he wants to get a job and learn some life skills.

[B]

I just want to make sure that his grades stay good in school, which.

[A]

If they're not, then you start cracking the whip.

[B]

Okay, okay.

[A]

That doesn't mean hold him back in everywhere whatsoever. People work and have good grades.

[B]

Okay.

[A]

I'm not saying he's working 40 hours a week, dude. Maybe he's picking up literally five hours a week, one half shift working lunch on a weekend at Jimmy John's or something. You know, something like that. That he's earning a little extra cash.

[B]

To be able to go want him to go in the direction of like, you know, like sometimes you start a.

[A]

Meth addict by working in the back of a kitchen with all the.

[B]

Sometimes you start working and you realize like oh, I can make a lot of money right now instead of finishing.

[A]

School cuz that's not going to be a lot of money and. No. What?

[C]

What?

[B]

I don't know who has that.

[A]

I've never heard of that.

[B]

I mean, that kind of happened with my oldest son. He got into the trade, and, like, you don't.

[A]

Great.

[B]

Yeah. So he did great right away. And.

[A]

What? That's fine. I don't think this guy's gonna get it being a busboy on the weekend.

[B]

Yeah. No. Okay.

[A]

Okay.

[B]

I just want him to finish school.

[A]

Yeah. See? Was he. Wait, did your oldest drop out of high school?

[B]

Yeah, he didn't finish.

[A]

Well, he's doing okay, and it worked.

[B]

I know, but I would also.

[A]

He wants to go into H vac. Anyway, he already knows what he wants to do. I don't think he's gonna pick. Okay.

[B]

I know.

[A]

Sick, dude.

[B]

I know. I'll be fine.

[A]

All right. Double the love. What is this? Alta. That's right.

[B]

Oh, Alta.

[A]

It's not working, is it?

[B]

I actually don't spend a lot on makeup there.

[A]

Right, which is why you owe $2,280.06.

[B]

And this one I also paid off. This one I, like, paid off, paid off. Didn't put on that loan once upon a time.

[A]

Right. But now it's at 3,000 hours, basically, $2,280. So. So it doesn't matter what it's been in the past.

[B]

I know.

[A]

With a $75 minimum depayment, you're purchasing $58.62 on this. What is wrong with you? Money? Mother.

[B]

Well, so my youngest. My youngest went into middle school, and when you go into middle school, you can have a phone and my. Their dad phone in middle school.

[A]

I would never.

[B]

Yeah, because he takes the bus, and, like, I. You need to.

[A]

I took the bus, and I did not have a phone.

[B]

Yeah, but things were different.

[A]

Hold on, Boomer. Moment. Yes, I know, but I would never. Yeah, I do think I would let my kids get a phone until high school. And me and my girlfriend, we want to have kids maybe in, like, a year or two. So, you know, I'm already thinking about that. Guess what?

[B]

They're.

[A]

They're not watching Coco Levin. No.

[B]

No, no, no, no. So I just.

[A]

He's too old for that, I would think. But even still, not having a device at this day and age with all the insane people online.

[B]

So he's the youngest, so he might not have, you know. You know, the youngest is.

[A]

Dude, that dude is watching.

[B]

No, he's not. First of all, he's not. Second of all, first of all, a.

[A]

Sixth grader with a phone. I promise you, as Someone who was the sixth grader at one point. Point. That dude is watching. You're giving him free access to the Internet?

[B]

No, he needs permission. Like he. He has an iPhone, so there are permissions on the phone. Like he can't ever. It shuts.

[A]

Can't go on Google Chrome.

[B]

He has to ask for permission to.

[A]

Go on Google Chrome.

[B]

I don't know.

[A]

Or.

[B]

I doubt. I doubt he is. I. He's watching YouTube videos.

[A]

You don't know what kids going through puberty do?

[B]

Well, he. I drop him off at the bus stop and so I need to like know because he takes the bus now instead of me.

[C]

We're all taking the bus.

[B]

Okay, but things are different. He's there by himself.

[A]

Things are different. The predators are out more than ever. Like what are you talking about?

[B]

No, because we need you.

[A]

You're the one who picks up 17 year olds on the road.

[B]

Okay. And that's you. Listen, we needed to coordinate, okay. I needed to know that his little dad.

[C]

What's the bus stop?

[A]

What is it two blocks away? No, where's the bus stop?

[B]

I dropped him off like he's far.

[A]

You dropped him off at a bus stop? Yes, he's fine. He's at the bus stop.

[B]

Okay, but what happens when you.

[A]

Is he the only one at the bus stop? What happens when you drive away?

[C]

He waits for the bus.

[A]

You.

[B]

It's on a busy road.

[A]

No, you're. You're in a. You're an AC130 mom. You've elevated. You've upgraded.

[B]

No, but anyways we. He needs to like call his brother and see where he's at. When the bus dropped him out off they all three of them need to coordinate getting off the bus together.

[A]

Walkie talkies.

[B]

Yeah. Okay.

[A]

I don't know. All I'm saying is just like everyone has survived and it's not necessarily the healthy. We know that kids mental health is absolutely. Through devices this. Through devices Instagram for women.

[B]

Other things. Like he's not just always on his phone. He's not an iPad kid.

[A]

Well it's not just about that. It's literally just so toxic you can fall into these extremist pipelines lines.

[B]

Okay. Anyways.

[A]

Yeah you purchased on. On the. Yeah, I needed a phone.

[B]

Needed.

[A]

Yeah. Which is why we got went inside got some from the gas station and McDonald's and mayor is close La Bocas $48.12.

[B]

Maybe it's a restaurant.

[A]

Oh my. And then a late fee.

[B]

I know.

[A]

All because our sixth grader needed a goon machine Machine.

[B]

Yeah.

[A]

That dude's gonna be a predator before you know it. Or like an alt right school shooter. Like, who even knows? I would never. I would never. I would never.

[B]

You say that until it happens. Like you say that until you actually have a kid in front.

[A]

My girlfriend's very set on this. She's much more aggressive about it than me. Much more aggressive.

[B]

You have to come to the same page on that because when you have different parenting, then.

[A]

No, I'm allowing it because I think she's right.

[B]

Yeah, it happens. And well, listen, I don't encourage your kids to watch. No.

[A]

But I wouldn't give them the device that encourages them to watch. Okay. 401k loan.

[B]

Oh, yeah, that happened.

[A]

Why?

[B]

Okay, so I. I saved money for the house, and then I realized that I didn't want to put all my savings in the house down payment. And so I was like, well, you know, I could get like a 401k loan.

[A]

Yeah. And where's this 401k long go gone.

[B]

I'm.

[A]

Yeah, yeah. Uhhuh.

[B]

Something happened and I needed to spend money. I don't know.

[A]

Needed. Needed. I don't trust your need.

[B]

Yeah.

[A]

Okay. Navy rewards. This is a stupid. By the way, she owes 10,623. What gets taken from your paycheck to go towards that on a monthly basis?

[B]

$100.

[A]

And what happens if you get fired? And it's called Do I know?

[B]

Yeah, I thought about that.

[A]

Yeah. Cuz $100 ain't going to make that move very much. And you're not taking advantage of the market as much.

[B]

Yeah. Well, okay, so someone had told me, like, oh, it's a good idea because you pay interest. Like that made sense.

[A]

Yeah. But you're still losing to the market.

[B]

Wait, so I have a question. So that money that's on the loan is not in the market? Like only the money that I pay back? That's wild.

[A]

What, that he's busting nuts?

[B]

Yeah.

[A]

What are you talking about? This actually blows your mind. They're blowing loads of blows your mind.

[B]

In their room.

[C]

Yes.

[A]

In the shower. Down the drain. Drain. There are children being flushed down that drain.

[B]

I shower in that shower.

[A]

Yes, you do.

[B]

Even my oldest g. Okay, well, first.

[A]

Of all, I extra wanted a fact check because the answer is no. But I wanted to make sure there was no loophole that you could invest through the market. Leave some of that in because that was funny. You still have a balance on this card. Am I writing this down?

[B]

No, no, no.

[A]

Okay. Okay. Okay. Well, you had like late on it.

[B]

I know.

[A]

Jp Penny for is I.

[B]

That one should be very minimal too.

[A]

Well, it is small, so I don't know why you don't just pay it off. You need to close your cards.

[B]

I know.

[A]

You already have a house. You're going to stay in this house forever, so you don't need access to credit. Close your accounts. It doesn't matter.

[B]

Okay.

[A]

Close your accounts. You cannot be trusted with these two.

[B]

All close.

[A]

No, all $193.32. They're all just holding you back. It's a hammer that is a tool, but you're just swinging back and hanging your face.

[B]

Okay. Okay.

[A]

$30 minute to payment. $193.32 is owed. Up on it. Fees and interest and this is so stupid.

[B]

I know this one. I. I kept forgetting to pay so I put on automatic payments.

[C]

A late fee on this with a balance of only $189.

[A]

I don't even know what this account is.

[C]

I don't even know what this is.

[A]

It's not even titled. The Smile Generation.

[B]

Oh yeah, yeah.

[C]

Braces.

[B]

Yeah. It's almost paid off to you.

[C]

Yeah, except you were late.

[B]

I. I told you the little ones I forget about.

[A]

Well, not if you actually budget. Instead of sometimes budgeting like a dumb $189.40.

[B]

I don't know to come in and sometimes I have too many emails. Emails.

[A]

41 email.

[C]

Open the account. You.

[A]

What is wrong? You're incapable of everything. I don't know how you have survived, how your children have survived. Oh my God.

[C]

Oh my God.

[B]

Yeah.

[A]

Okay. Care credit 32 minimum payment. What's this for? At a balance of 984.63.

[B]

Yeah.

[A]

This is what happens when you have endless debt. No emergency fund. Everything that has to happen, like races or wisdom teeth is new debt.

[B]

Yeah, but that's on no interest and it'll get paid off before the interest ends.

[A]

I certainly the hope so.

[B]

Yeah.

[A]

Okay. Yeah. Cuz deferred interest is accruing like dick. Oh, there's still more.

[B]

I'm at the end of this. That's my mortgage. That's my mortgage.

[A]

Great. The mortgage that we cannot afford. That we have a negative equity position in the house.

[B]

I can.

[A]

Nope. You literally just said after you make your mortgage payment sometimes you don't have enough money to make it to the next month. You cannot afford it. $2,093.36 on a month you basis. Yes. This is all your fault. Well done. I'm glad you're figuring that out.

[B]

Finally the overall technically I should have $3,000 left over three.

[A]

No there's more bills outside of just a mortgage. You $301,799.56 I hope your extremist child that you've given a phone to doesn't come and mass shoot me after I just called his mother a tv.

[B]

I know he's a very not going to watch this.

[A]

You know this is on YouTube for the of the rest rested yeah.

[B]

Forever fine.

[A]

They might watch it at 70.

[B]

Okay. No very cute kids. Very well rounded.

[A]

It'll be nice to see for them what their mother looked like before she got slutty fake tits.

[B]

They'll remember their old be good memory.

[A]

Like oh my mom before she was a. Before she was a At least I.

[B]

Waited till after they were out of the house.

[A]

No H it up. We love WH's are great. I'm a I want to be H it up. We love I don't know horse is not an insult. Be a. That's not an insult. We love it. Do it. Thumbs up.

[B]

We'll see.

[A]

Listen, if I want to be a I need other people to be so that we can together.

[B]

Here's the thing. I want to but I just fall in love.

[A]

You don't want to be a you hate hookup so yeah, but be a okay. Your Edmonds appraisal for your car that you've paid off is 3,194 averaging out at 4,158. But yours has a little issues, you know a couple cosmetic or whatever that we got in with your Vin and Edmonds is the most accurate so.

[B]

And eventually after I pay all this I do want to get a new.

[A]

Car checking account McDonald you want to do everything after okay, see this is why it's like what's even the point of paying all this debt off because you're just, you know, you're just throwing it all away.

[B]

It'll be like.

[A]

It's just.

[B]

You're just going to no, I mean like debt new car but they all have meaning New yarn.

[A]

Student loans for the kids.

[B]

Meaning behind it good. You know like.

[A]

No, I don't. Shut up. McDonald's after pay. I didn't see your afterpay but you're paying towards afterpay Zell selling. Okay, so Spectrum finds Internet, right?

[B]

And Cox's Internet.

[A]

Huh?

[B]

Cox's Internet.

[A]

Well then what the even is that.

[C]

I don't chick fil a Spotify going.

[A]

In and getting some Walmart in and out Rembrandt photo.

[B]

Oh, Senior Pictures.

[A]

Oh my gosh. You're almost a senior citizen and you don't even have enough to survive. Home plate. Home plate. Audible Cinema. Mark, go to the library. Audible. Amazon. Going against some bullshit.

[C]

Bullshit, bullshit, bullshit, bullshit. Ranch bar after pay bullshit.

[A]

Hulu plus JCPenney, zelling it out one day nail spa.

[C]

God.

[A]

Let me see.

[C]

Let me see.

[B]

It's not here.

[A]

It's not even good. It's not even worth it. You don't even a life worth living for you. You live in Tucson. Savings has gone down 100 now at 13.

[B]

It fl. It goes in and out like huh.

[A]

Serves for three bucks. I don't know. Let's see if we can budget this. This is just a mess. You just destroy all your money. I hope I can.

[B]

I think you can.

[A]

Oh, we'll see.

[B]

I think you can. All the faith.

[A]

Okay, well, $5,000 is our income. We know. Your mortgage is $2,093.36. Let's get your rest of your debt. Minimum payments, $75. Okay. The rest of your debt. Minimum payments are $1,065.71. Me. So that's $3,000 gone already. Gas, electric, utilities, all combined, plus Internet. How much?

[B]

Hold on, let me look, big guy.

[A]

You don't know. Come on.

[B]

I know, I know. It's math. Okay, so my Internet is like 670. Like 65. And then my phone bill is like 20. My 670.

[A]

65 for what?

[B]

Huh? 65. 65 for Internet.

[A]

Oh, okay. And then what is it? What is everything? Everything.

[B]

Trash.

[A]

How much total?

[B]

170.

[A]

Okay. Including Internet.

[B]

Yeah.

[A]

Good. Phone bill.

[B]

That's in. That's in there.

[A]

Ah. Gas. Vroom, vroom. Drive, drive.

[B]

Like $40.

[A]

Okay. You don't go anywhere. It's depressing.

[B]

Car insurance, like 180.

[A]

Okay. Food for this house. Okay, 17.

[B]

So I usually spend like you go out to eat.

[A]

Shut the up. Your budget doesn't matter. You're also meal prepping. I don't care.

[B]

I spend like 200 and groceries.

[A]

So it doesn't matter. Shut. You don't know what you're talking about. Just stop. I'm putting you on an actual budget that makes. Shut. Be quiet now. $800.

[B]

That's a lot, huh? That's a lot.

[A]

You're well, actually, because you have them half the time. You're right. Okay, I'm going to do 700. TP fund anything else for you and the kids to survive. I'm going to say $250 and I'm actually going to bring food down to 650. Medical, health care, their copays. Monthly basis, anything. Thing. Hey, no medications? No. Therapy?

[B]

No.

[A]

Okay. Kids will need it. After hearing this episode.

[B]

I just ended my thing.

[A]

Pets, no thank.

[B]

Yeah, I'm very allergic, Jim. Right now I think it's like $100 a year. But I've already paid it for the year. But I want a different gym.

[A]

So what I'm going to say like 30 bucks a month. Okay, 40 bucks for subscriptions. Anything else that needs to be in your budget before or we're done?

[B]

No, I don't think so. Can you put vacation in there?

[A]

Nope. Just off die. What are you talking about? Let's. Let's see where you are. If I can allocate a couple hundred dollars to fun on a monthly basis, you can save it up.

[B]

Okay.

[A]

On a monthly basis and choose where that goes. But I would also just take care of the kids.

[B]

Okay.

[A]

Okay. You dick.

[B]

Okay. Okay. Okay. Okay. So it's only $40 in subscriptions. I wonder. That means I'll have to cut like.

[A]

Yeah, you'll have to cut some things. Things.

[B]

Okay.

[A]

Okay. And yes, you have a decent amount left over. Set the budget. $3,869 and 7 cents on a monthly basis to survive. 1130.39. I'll give you a hundred and thirty point three nine in fun money. You decide where that goes. Not going to be much vacation, but thousand hours a month left. If you're 37, that takes 37 months to pay off your bat dad and then stop going in your poll. Just turn your life around. Around. You're dramatically behind on retirement. You own you have 401k. Well actually your debt's even higher because we didn't have that first card in the calculation. 40 months to pay off your debt. Get a fully funded emergency fund, then live 50. 25. 25. 50% goes to needs 5th. 25 goes to fun. It can be whatever. Save it up on a monthly basis. Go on a big trip, whatever.

[B]

Okay.

[A]

25 goes to retirement because you got to catch up. That's what you're doing. Okay. Two years to pay off the day. Get it fully from the mercy. This is not that complicated. Well, not two years. It's be to going to take probably like three and a half years.

[B]

Is there a way to do it in two years that be more money. Okay.

[A]

Make more money. Get your raises, work a second job when the kids aren't there. I don't know. And that's hard. So it probably have to be like contract job like you driving for like Uber and whatever. I don't know. Okay, let's get your Hammer Financial score. We're going to go to the post show. It's going to be fun. It always is. It's always something crazy. Join Hammer Lead for that. But Hammer Financial Score score spending a budget. You overspent 0 out of 10 debt. You don't have collections but you do have a 401k loan. That's not great. That's risky. I'll give you zero out of ten for that. Emergency fund. There's a thousand hours, one out of ten retirement. Have a little bit. 401k loan definitely dramatically behind. Two out of ten is the best I can give there. Real estate score. At least you're in the market. What was your interest rate on that house?

[B]

I think it was like 4.68.

[A]

Oh, that's pretty good. Okay, I'll give you credit there. But negative equity position. 3 out 10 of of 10. You get your Hammer financial score@caleb hammer.com your Hammer financial score is rounded up to a 1.5 out of 10. I'll see you in the Financial Auto Post show. Join Hammer Elite. Three premium shows posted every single day now, six days a week. See you there.

[B]

You're so like about like the whole thing. But you used to sell feet pictures.

[D]

You used to.

[B]

They're like can you put it in spaghetti? Like no, Caleb, I don't think we really scratched the surface of her travel addict addiction. Oh, she has trip amnesia. She will go on these trips to Nashville, to Vegas, D.C. and just spend all the money.

[A]

Join us Saturday, January 31st for Hammer Elite Day, a five hour live stream featuring all of your favorite shows. But done live with you. See you there.