I Can't Do This Anymore | Financial Audit

Summary

Financial Audit Podcast – Episode Summary

Episode Overview

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Kimberly (25, from New Braunfels, Texas)
Episode Title: "I Can't Do This Anymore | Financial Audit" (April 25, 2025)

This episode of Financial Audit dives into the financial habits and struggles of Kimberly, an office manager in Texas with aspirations of becoming a stay-at-home mom. Caleb takes Kimberly through an intense, candid, and often confrontational analysis of her financial situation—focusing on excessive spending, debt accumulation, and a disconnect between her future goals and current behaviors.

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Key Discussion Points & Insights

1. Kimberly’s Financial Snapshot

• Occupation: Office manager at an electric company
• Take-home pay: $3,600/month (net)
• Living Situation: Splits rent with her long-term boyfriend, who is a computer science student about to graduate

Notable Quote

"I get paid every week, like I'm salary." (Kimberly, 01:00)

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2. Major Financial Struggles

• Spending Habits: After paying bills, most excess cash is spent on going out—often to bars in Austin or San Antonio. She usually "drains to zero" each week, and sometimes goes into negative by using credit cards.
• Debt: Includes credit cards, IRS payment plans for unpaid taxes, car loan, and a payday loan with a 100%+ interest rate (taken out to cover a dog purchase).
• Savings: No emergency fund, only $11 in savings.

Notable Quotes

"So you drain to zero every week?" (Caleb, 02:30)
"Most weeks. If I'm being honest." (Kimberly, 02:33)

"You want to be a stay at home mom, even though the only thing you caught like a child is a beer bottle." (Caleb, 03:50)

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3. Disconnect Between Goals and Actions

• Aspirations: Wants to be a stay-at-home mom within a year, but currently has no child and plans to start a family after her boyfriend graduates.
• Financial Inconsistency: Despite wanting financial stability, continually overspends, relies on credit, and prioritizes immediate gratification (social outings, vacations, hobbies).
• Planning Fallacies: Her self-created plan to save and pay off debts is vague, repeatedly deferred due to ongoing "priority" events like weddings, bachelorette parties, and a cruise.

Notable Quotes

"I think both of them are achievable. I think both are achievable. I understand I spent more than... Yeah, but that's not preventing me from..." (Kimberly, 20:35)

"I would love the equation because you're going to be unlocking some new math that is going to discover how the universe was created or something in order to make this work." (Caleb, 21:37)

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4. The Mathematics of Debt & Denial

• Current Debt Load: ~$20,000 total; includes IRS, credit cards, payday loan, and car loan.
• Breaking Down the Math: Caleb demonstrates that, at her current income and debt levels, it would require $2,500/month to become financially ready to have a child in a year and a half—a target Kimberly is drastically far from meeting.
• Misconceptions: Kimberly consistently underestimates how much she spends, especially on food and minor purchases.

Notable Moments

• Fast Food Spending: $1,000/month
• Vague Justifications: Repeated use of "it's a process," "it's overwhelming," and "I'm trying" without concrete action.

"Maybe I just go on the bachelorette, go to the wedding, go to the cruise. That's it." (Kimberly, 22:42)

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5. Psychological Patterns & Avoidance

• People Pleasing: Kimberly attributes difficulties in budgeting to wanting to please others, e.g., covering others’ costs for group events and not wanting to miss out socially.
• Hobby Jumping: Frequently picks up and spends on new hobbies (painting, hiking, doing nails), often abandoning them.
• Addict-Like Behavior: Spends on vapes and acknowledges difficulty stopping, “wants” to quit but has not.

"You just upset me. You just upset me." (Caleb, 62:38)

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6. Relationship Logistics and Partner’s Perspective

• Support System: Boyfriend, Cameron, is finishing school and has minimal debt. Kimberly occasionally relies on him to cover personal bills.
• Communication Issues: When called, Cameron had grossly underestimated her debt and was surprised by payday loan and spending habits. He expresses that starting a family soon is not feasible until financial habits change.

"You can't even have a dog. Not a chance in this world you can have a kid." (Caleb, 68:04)

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7. Extreme Confrontation and Accountability

• Caleb’s Approach: Intensely direct, bordering on exasperated—repeatedly points out inconsistencies and mathematically disproves Kimberly’s rationalizations.
• Recurring Theme: “You are not special or unique in this situation; your behaviors are typical of people in denial about their finances.”

Notable Quotes

"Everything you say is meaningless. I'm being so mean. But you're just like you're not saying real things." (Caleb, 56:19)

"You're the least unique individual I've ever met in my life." (Caleb, 67:10)

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Memorable Moments & Quotes

| Timestamp | Speaker | Quote/Comment | |-----------|------------|----------------------------------------------------------------------------| | 03:50 | Caleb | "You want to be a stay at home mom even though the only thing you caught like a child is a beer bottle." | | 20:35 | Kimberly | "I think both of them are achievable. I understand I spent more than... Yeah, but that's not like preventing me from." | | 21:37 | Caleb | "I would love the equation because you're going to be unlocking some new math that is going to discover how the universe was created or something in order to make this work." | | 28:25 | Caleb | "You spent a thousand hours going out to eat. So, I mean, go fuck yourself." | | 41:57 | Caleb | "No, I honestly, honestly, I didn't even listen to any words you just said there because none of the words you've said this episode have been honestly good." | | 56:19 | Caleb | "Everything you say is meaningless. I'm being so mean. But you're just like you're not saying real things." | | 68:04 | Caleb | "You can't even have a dog. Not a chance in this world you can have a kid." | | 76:41 | Caleb | "Just one recommendation for you, buddy. You're on the green. Please don't try to sink one in this hole. Run." (to Cameron) |

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Key Timestamps for Important Segments

• 00:49 – Kimberly introduction
• 01:50 – First discussion of end-of-period zero balance
• 03:50 – Stay-at-home mom aspirations
• 05:24 – IRS back taxes and origins of debt
• 08:34 – Admission of negative net spending and use of credit cards to cover overspending
• 10:15 – Bachelorette party spending and covering others’ costs
• 13:35 – Caleb asks Kimberly to outline her debt-payoff/kid timeline plan (mocked for being unrealistic)
• 21:48 – Caleb mathematically breaks down required debt/savings pace and exposes plan fallacies
• 26:22 – Fast food and eating out budget analysis ($1,000–$1,300/month revealed)
• 31:27 – Review of credit card debts (Apple Watch replacement, recurring charges)
• 36:15 – Discussion about lack of motivation and self-control
• 41:57 – Harsh call-out on lack of logic and accountability
• 53:16 – Call to boyfriend, exposure of full financial truth
• 67:36 – 100% interest payday loan revealed, used for a dog purchase
• 68:42 – Boyfriend confirms he is not on board to have a kid yet
• 79:55 – $10,800 car loan at 24% interest, after totaling three previous cars
• 80:59 – Admission that boss covers phone and car payment

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Tone and Takeaways

• The episode is unapologetically blunt, with moments of humor, sarcasm, and direct confrontation.
• Caleb is unrelenting in illustrating that Kimberly’s goals are incompatible with her current financial behaviors and mindset.
• Kimberly struggles to move from intentions and vague plans to concrete action, habitually rationalizing overspending and failing to account for the true cost of her choices.
• The conversation starkly spotlights classic millennial/Gen Z "lifestyle creep," people-pleasing financial behavior, avoidance patterns, and the disconnect between aspiring for "better" while not changing underlying habits.

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Conclusion

This episode is a raw exploration of the financial self-sabotage that can quietly (and sometimes loudly) derail even the most genuine personal goals. Caleb's unfiltered, sometimes abrasive, coaching style seeks to snap Kimberly out of complacency, exposing how denial, impulse spending, and deflection keep her—and others like her—locked in a cycle of debt and missed opportunities. The episode ends unresolved, with Kimberly resisting full accountability but still expressing hope that she "has time" to fix her finances before stepping into motherhood.

Transcript

[A]

To watch episodes of Financial audit a week earlier. Check us out on YouTube. You annoy the out of me.

[B]

I want to be a stay at home mom. That is my goal.

[A]

Do you have a kid?

[B]

No, I don't.

[A]

What the you staying at home for?

[B]

I told him next year I would like to have a baby.

[A]

You're sitting at home, you're not working. He's the only one making income.

[B]

I'm very excited about it.

[A]

What the is wrong with your girlfriend going into debt? Yeah, she wants you to blow her up with your so she can pop out a kid. Download my budgeting app today and take control of your money once and for all. And for a limited time only. Sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pinned comment below.

[B]

Hi, my name is Kimberly. I'm 25 from New Braunfels, Texas and this is Financial Audit.

[A]

Thanks for coming up to Austin. What do you do down there for a living?

[B]

I am an office manager at an electric company.

[A]

Very cool.

[B]

What do you make monthly or. Yeah, sure, just 3,600.

[A]

3,600. Is that what hits your account net?

[B]

Yes.

[A]

Okay, so 3600, New Braunfels, smaller town in between two major metros. It's kind of right in between Austin and San Antonio. So you get a little bit of the price bleed there. But it's certainly not as expensive as a place like Austin for sure. How you living? How are things going? How you doing? 3600.

[B]

It's fine. It's fine. It could always be better, of course, but I think obviously not if I'm here. But yeah, I pay my bills.

[A]

Well, heard a lot of people say that. And then I find out no, but okay, you pay your bills. So that's I guess yay, we did that.

[B]

Yeah.

[A]

Okay, so what's the struggle?

[B]

I guess just making it towards the end of the week with any money? Because I get paid every week, like I'm salary.

[A]

Then how do you pay your bills if you're struggling to make it to the end of the pay period, which is only a week.

[B]

Yeah, I know. Because of the weekends. That's what gets me. I like to go out.

[A]

What is there like two bars in that town? What do you mean?

[B]

I come to Austin, I go to San Antonio, I'm in the middle, I get to go out.

[A]

Great.

[B]

Okay, so I pay all my bills and then after that whatever is left is bar money.

[A]

So you drain to zero every week?

[B]

Most of the week? Most weeks. I. Yeah, most weeks, if I'm being honest.

[A]

What are you trying to live to? What? What are you trying to do?

[B]

I. I want to be a stay at home mom. That is my goal. That's what I want. I don't want.

[A]

Do you have a kid?

[B]

No, I don't. No.

[A]

What you staying at home for?

[B]

Well, I want. Eventually that's. I need to pay off everything I have.

[A]

Do you have someone to make a kid with?

[B]

I do.

[A]

Okay. What's the status of that?

[B]

We've been together for five years, we live together, so I mean, he has to finish school.

[A]

When are you having a kid?

[B]

I told him next year I would like to have a baby.

[A]

And are you. What did he say?

[B]

Let him finish school.

[A]

When does he finish school?

[B]

The end of this year.

[A]

So earlier then?

[B]

Yeah. Wait, well, the end of this.

[A]

What is he going to be making?

[B]

I don't know. He's going. Oops, sorry. He's going for computer science at Texas State right now, so. And then after that he's either going to look in Dallas or Austin and then.

[A]

Yeah, I mean computer science is good. I don't know, getting out of potentially your financial position, maybe he's borrowing for school for doing all that. You're sitting at home, you're not working. He's the only one making income. It's not 1950. I mean, is it. Does it mathematically make sense at that time?

[B]

Okay, well, not right now.

[A]

You want to be a stay at home mom even though the only thing you caught like a child is a beer bottle. Interesting.

[B]

Yeah.

[A]

So that's gonna be a big lifestyle change. You wanna have a kid, but you can't not go out and blow the rest of your money for a week. So what are we talking about?

[B]

I can not go out. I just. Why?

[A]

To actually only go out and drink zero and do nothing but that. So, my friend, what do you mean?

[B]

They want to invite you when you have a kid and then I will invite you to. They will invite you when I have a kid.

[A]

They will invite you won't invite your kid, they'll invite you. And your husband will have been at work, doing work, so he probably won't want to fully watch the kid even though stay at home. Yes, we would definitely want to make sure you're able to still go out and experience the world. And he would need to take a bit of a sacrifice there. But if all your life is is going to bars and draining your account to zero, I mean, obviously you're not a Productive member of the household then. So maybe now I am.

[B]

Yes, I am. And when you're staying, you drain it to zero because I paid my bills.

[A]

Okay, Are your bills his bills?

[B]

No, the only thing we split is rent.

[A]

Okay, so he would have to overtake your bills.

[B]

Well, if I could pay them off, then.

[A]

No, you won't have the no. What do you mean by bills? Are you just talking minimum payments on debts?

[B]

No.

[A]

Okay, then he then. Are you going to pay off an apartment? I don't think so.

[B]

Oh, yeah.

[A]

So what are you talking about? Payoffs?

[B]

I'm talking about, like my car. I want to pay that off these cards I owe irs. Which I guess we'll get into.

[A]

You kidding me? For what? For what? Possibly for why?

[B]

Because I was a server, and apparently this is a story in itself. I was a server at a restaurant in New Braunfels and I. I made a lot of money. I was claiming my tips, but when I went to go file taxes, I, like, did all the numbers and they said I owed $2,000 for one year.

[A]

Because you claimed your tips and you didn't.

[B]

Yeah.

[A]

Set any money aside for the tips in cash.

[B]

Yep.

[A]

Cash, credit card. I'm sure that's probably withheld for you.

[B]

Yes, that was. But then, so I saw it was $2,000, I was like, I don't have that, so I'm not gonna pay 2,000.

[A]

Hours, make or break. And you bring in $3,600 now. Oh, maybe we don't go to the bar every five seconds of our life and live off the BO drain to zero from the bottle. If we owe $2,000, which is just over half of our monthly income, which net. Which you should be able to pay off. That's just the act of a child. The one. What year? What year taxes was this?

[B]

2021. I owe 2,000 for 20. 22 and.

[A]

No, no. Well, so 2,000 for 21.

[B]

2,800 for 20. 21. 2,000 all for taxes. 600 for 20.

[A]

Why did you not fix it for the next year? Year if you knew there was the flaw of it from the first year?

[B]

For some reason, I thought they would never come after me. There's bigger fish in the sea. And then I realized if I want to buy a house.

[A]

Yeah, exactly. It'll you in more ways than just that.

[B]

Well, I'm on a payment plan now.

[A]

Really? So these are the bills?

[B]

They're bills? Yes, they're bills. My bills.

[A]

Okay.

[B]

They're my bills.

[A]

Yeah, yeah, you love to talk about your bills. So I'm just making sure we understand what your bills are. Do you not split rent?

[B]

I do split rent.

[A]

Okay. That's probably a bill. And again, that doesn't just go away. So he would have to overtake that. Do you pay towards utilities? Towards groceries?

[B]

Groceries. I do utilities. He takes care of.

[A]

So you would have to take care of your full thing of groceries. So there's more here than just paying off debt. Paying off debt. Obviously, going in that situation is going to be good. You don't want to go into that situation with a bunch of debt because it's a lot of risk.

[B]

Yeah, well, I guess. I guess my main focus is to be a mom and to do what I need to do.

[A]

Yeah. How about you set your kid up for success, though, instead of having.

[B]

I gotta take care of me first. Not.

[A]

That's what I was just saying.

[B]

Okay. Okay.

[A]

What do you think I was just saying? I was saying set your kid up for success by you not going into the parenthood.

[B]

Yeah.

[A]

Okay. I mean, you're taking care of yourself, so, I mean, you're probably good. Okay.

[B]

I didn't mean to sell. Upgrade.

[A]

Yeah. How much did you spend? Because 3,600 went out. How much did you spend? 3,600 came in.

[B]

Yes. I'm gonna say 38, if I had to guess. 38.

[A]

So $200 more?

[B]

Yes.

[A]

How would you do that?

[B]

The credit cards? Why would I do that? Or how do you.

[A]

And you're okay with that, with wanting to have a kid?

[B]

No, I'm not.

[A]

We're taking care of ourselves, so we're taking care of the kid. But we're gonna spend more than we make. I thought you said you drained down to zero and then you paid your bill, so you're good. So you wouldn't be putting any money on a credit card.

[B]

Well, when you go out.

[A]

No, you said you drained to zero. You didn't say you drained to negative.

[B]

Well, I guess I didn't see it as negative when it's still available on the credit card.

[A]

How do you view credit cards?

[B]

How do I view them or how.

[A]

Do I. Yeah, how do you view them?

[B]

I view them as money that's available to spend that needs to be paid back eventually. Needs to be paid back.

[A]

So it's not your money then. And you already know that, so. What the are you talking about?

[B]

I had it and it was available. I think it's.

[A]

It was available, but you know, it's not your money. That would obviously be negative. If you're talking about how much you Spend on a monthly basis.

[B]

It was there.

[A]

Also, you spent basically $5,000. So shut the up. You're like, you don't. You don't want to be a stay at home mom.

[B]

I do.

[A]

Yeah, well, you want to run away from everything apparent apparently more than anything. Cause you're not doing anything.

[B]

5,000 is actually insane. I don't know how you got that number.

[A]

By your spending.

[B]

Where I feel like, honestly. Yeah.

[A]

Cause you can spend on debt.

[B]

I feel like there's no way that happened. My credit cards have been maxed out for a long time. Where did the extra $2,000 come from?

[A]

That let's find out. But you know, that's more money than you can possibly spend. So I'm guessing at least for these next couple months, no more. No more going out this week. Right? That's in the plan. Because you're f Cking you want to be a stay at home mom. So.

[B]

Yes, you're done. Also, this weekend, while we're talking about going out, I will be attending a bachelorette. I'm very excited about it.

[A]

How much did you have to put towards that? I mean, it's hard to tell someone no for a bachelorette. Cause I get it. It's your best friend probably, but how much do you have to put towards that? But that's different than you going out to a bar every weekend. This is a one time thing that happens here or there. And I'm not dramatically opposed to that.

[B]

Okay, well, I had to put 4,000. Not 4,000. Whoa. $400 to buy the Airbnb.

[A]

Because that's clearly not your issue if you're spending 2,000 hours more than you make on a monthly basis.

[B]

Well, it's part of the issue because I covered another girl's thing.

[A]

Why?

[B]

Because I felt bad. I had already told the other girls the price and then I didn't want to. Money is a weird conversation for anybody. And so I just was like, I have the money right now. Why don't I just do it? If I have it, why can't I do it? You know what I mean? And I feel like that's because you.

[A]

Want to become a stay at home mom. What goal matters more? What goal matters more?

[B]

I think it's just about timeline. Like, I know.

[A]

Okay, yeah. And you want to have a kid like tomorrow. So what goal matters more?

[B]

The mom. The mom.

[A]

Then why aren't you prioritizing it? I don't understand. That's like your choice. You could just go do that.

[B]

I know, but also like, well, not.

[A]

Just go do that. But you could at least make the actual progress and the steps that is necessary to get there. Getting on our budget, not blowing all our money, not spending 2,000 hours more than we make on a monthly basis.

[B]

Yes, but fun is also a priority for me too. And on the spatula, she wants to go and get a priority.

[A]

It's a priority for all of us. But which one do you choose? They can't both be the top priority when you're obviously failing one from the other. Your obvious top priority is fun because that is what your money. No, that is what your money is doing.

[B]

That's right now. Fun right now.

[A]

But your fun right now is preventing you from having a kid. Or you're going to get a kid in a household that's going to be stressed financially and it's not going to be a good environment. Well, not the environment you would want.

[B]

That's true. But I think fun right now and then focus after this bachelorette, after the wedding, and then after the cruise in September, I will.

[A]

We're talking to September. That's a half a year away. You're already talking about having a kid at the end of the day year. So sorry. You're not raging. That's so stupid. I know, but I. Oh, shut up. I know. What the is that?

[B]

Because I don't know.

[A]

No, I don't know. No. I'm not going to let you get away though. What kind of response is that? I know. Yeah, you choose to do it. No, that's going to infuriate me.

[B]

My goal is to have a kid sometime next year. Sometime next year. That's a. That's enough time for me to get my together and have. And have fun. Yes.

[A]

How. Tell me, what's your grand plan? Please, actually. Okay, okay. Very good. Very good. May I borrow. May I borrow the whiteboard? My friends, My friends. May I borrow. Well, here's Lindsey. Okay. Why don't I get your plan? Why don't you give me a little plan? Do a step by step instructional plan.

[B]

Okay.

[A]

Can I have that? I want to see this. Because I would love to see you math this out. Please give me a little plan. Just a little plan. You know, a step by step detailed, high overview plan that is gonna be just stellar. Best plan that's ever been created in the history of the world. Please show me.

[B]

June. Whoops.

[A]

Mm, mm, mm. So May says wedding, right? Is that what this says?

[B]

May says wedding. Yeah.

[A]

Okay, good. Not a single piece of progress in May.

[B]

Not wait.

[A]

Well done.

[B]

June through April, debt Through.

[A]

You were in April, and I just saw your spending. You went $2,000 more in debt. So. What debt are you talking about? You don't spend. You don't not spend more than you. You're going to a bachelorette this weekend. What are you talking about? This plan's already broken.

[B]

No, look, okay, no, no.

[A]

This isn't a high detailed plan. You're writing like two letters.

[B]

April, bachelorette, have fun.

[A]

I thought it said that. I was reading up.

[B]

Said. No. No. Okay, May wedding.

[A]

Great. So two months gone.

[B]

June until February is all. Save, save, save, save.

[A]

No, it's not. No, it's not. You. No, it's not. What about September?

[B]

September Cruise. That's only $500 that I.

[A]

500, which is huge. It's a substantial amount of money. You have no respect for. The $. 500 is huge for you. What the are you talking about? $3,800 comes in, right? 3,614 of your money, you say that's nothing. You spend 2,000 more than you bring in on a monthly basis. 500 is nothing. That's just going to be an extra 500 on top of the $2,000. Then you spend more on a monthly basis. That doesn't make any sense.

[B]

Oh, it's booked.

[A]

What's the additional 500?

[B]

For what? What are you talking about?

[A]

For the booked cruise.

[B]

Oh, well, it's not booked booked. I put a deposit down and then stop. And I put.

[A]

What was the deposit?

[B]

$100.

[A]

Good. You lost it.

[B]

I booked an excursion.

[A]

I don't care for $400.

[B]

Refundable.

[A]

But you still have to spend 500.

[B]

Yes.

[A]

Good. You' you lost 500 instead of a thousand. Well done. Well done. Good. That's the cost of being a dumb. And we're no longer being a dumb. That's the goal. We're no longer being a dumb.

[B]

Yeah, but I.

[A]

The goal is no longer being a dumb. And sometimes you have to sacrifice some things, and sometimes sacrificing some things is sacrificing fun.

[B]

I haven't been on a vacation in, like, four years.

[A]

Good. You're not in a position to. You're not entitled to that. No one is. What the luxury world are you living and. Shut up. Don't even. Don't even open your mouth. That makes no sense. I don't care if you haven't been on a vacation. You are not entitled to a vacation. You can go on a vacation when you're literally able to go on vacation mathematically, right now, you are not able to. You are choosing a vacation over the child. That is what you are picking. Which one lady?

[B]

Well, you're such a child.

[A]

Which one lady?

[B]

I want to do both. That's what I want.

[A]

Probably not. You spend $2,000 more than you've been out on a monthly basis. You have $20,000 of bad debt. $6,000 of it is IRS debt. Good luck. Want to have a kid next year? Next year's eight months away. $20,000 bad debt.

[B]

I could do like good.

[A]

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[B]

Yeah, but I don't have to get pregnant at like January. I could wait until the end of the year. I just want to like be pregnant next year.

[A]

Okay. Even half the amount of time, 1500, maybe $2000 towards to go towards that, then we still have to get a fully funded emergency fund which I highly doubt you have. So at that point you're still dramatically behind or putting yourself in a risky position when having this kid. This makes no sense. With the desperation to be a stay at home mom. It's like I get it. And you can do that if you guys want to, but mathematically it's not working right now.

[B]

It's not just me. Payne Like I have a who. Boyfriend.

[A]

Boyfriend, yes, we've talked about it.

[B]

He will be there to help. It's not just me.

[A]

Like, why is your debt there then?

[B]

Well, because I don't like to ask him for help.

[A]

Then will he be there for how I asked, but. So the boyfriend's going to bail us out without actually learning anything. So we're just going to get there again and then bring him down. That's going to be. That's such a for. For co parents and eventually a married couple. That's a really good success.

[B]

Hopefully that would not bring down.

[A]

Hopefully it will because you wouldn't have fixed your behavior to pay off your debt. You would have gone into more debt, most likely because you just bailed out because of it. Also, does he have a 20,000 hours laying around?

[B]

Probably not.

[A]

So what the are you talking about?

[B]

I mean, it's a process. Everything's a process. I can.

[A]

It's a process. But your process is going reverse.

[B]

I don't think so.

[A]

You can say some exciting words and phrases, but that's not true. You don't think so. You spend $2,000 more. Well, I need to get this across your head before we jump into these documents. The fact that you can't even comprehend this, the process you're doing is the reverse. And if that's the way you want to go do it, that's okay. If you want your child to grow up in a completely stressful place where the marriage is likely to not be success because you guys are doing one of the leading causes for divorce in this country, that is your choice. If you want to have fun and prioritize a vacation over a good household for your child, that is your choice. You can do that. You can walk out. But you came on this show, you applied to this show for me to give you the wake up call of, hey, maybe you're up. And guess what I'm trying to tell you. You're up. You are not on the path. What path are you on? Your path is going down a dirt hill, rolling, rolling, while the path is up there and everyone else is succeeding. What are you talking about? Baby's up there. You're going down there. You're gonna drown. There's a pond. You don't look like you can swim, so I don't know.

[B]

I feel like it always works out. I really do. I feel like, like I said, all my bills are paid. The debt is there. Yeah, but it's being paid on. I don't know how. I spent $2,000 more than Cayman. I don't know where that's at in your calculations, but I think both of them are achievable. I think both are achievable. I understand I spent more than. Yeah, but that's not like preventing me from.

[A]

Mathematically. Tell me how both are achievable if you're paying all your other bills at the same time.

[B]

I'm sorry?

[A]

I said mathematically. How are they available at the same time? If you are still paying your bills, how can we get there? If in order to have a fully funded emergency, you want to pay off all this debt before you have a kid? Likely has to be. Even if it's a year and a half from now, like $2,500 on a monthly basis to take into account the emergency fund. How are you still having fun in doing that mathematically? Give me the math. I would love the equation because you're going to be unlocking some new math that is going to discover how the universe was created or something in order to make this worth. Please go. Please go ahead.

[B]

Okay, so maybe I would have to cut down a little bit.

[A]

What's a little. Tell me, what's the number? You've obviously planned this out in your head. What's the number? You figured it out. Come on, please tell me.

[B]

Maybe like an extra 300amonth. $300 a month?

[A]

What? Towards debt.

[B]

Towards debt. Yeah.

[A]

Okay, $300 a month. Let's see. $20,000, but you need $40,000 because they're doing emergency fund. No money is going towards that. $300. Wonderful. That takes 133 months. 133 months is 11 years. Congratulations. You'll be having a kid at 35. Okay, so go ahead, please tell me this grand equation. I would love you to walk me how you got there. You're the genius. You have it figured out. You have the path. You're on the path. The path has been discovered. We're on it. We're walking. It's so good. What a lovely path. Please tell me. I want to learn how every stuff works. I want to go down this path.

[B]

Okay, so maybe I just go on the bachelorette, Go to the wedding, go to the cruise. That's it.

[A]

Okay, so the things we already talked about that are going to take away money from the debt payoff. So you spend no money going out to eat, spend no money getting coffee. You spend no money getting. Listen, everyone on the show smokes. Do you smoke something? Of course you do. What do you smoke?

[B]

Vape and.

[A]

Oh, you're a double lung destroyer. Congratulations. Double budget breaker. Wonderful. So are you taking away that? Are we taking away that? Probably not. That's an addiction.

[B]

One, two.

[A]

Want to means absolutely nothing. Means absolutely nothing. You do or you don't.

[B]

I will. I will. I can. I just.

[A]

Can you? Why haven't you done it?

[B]

It's hard.

[A]

But so will you. Then.

[B]

I will. I will.

[A]

But you haven't because.

[B]

Well, I want to quit anyways because the cruise is coming up and you can't take it on the cruise.

[A]

Listen, answer this question truthfully and this will just give us a good. A good just of your financial situation. Your boyfriend, you say you split things. Okay. Does he ever have to cover any of your bills that you are responsible for?

[B]

Sometimes he will pay my phone bill.

[A]

Well, you. Then you're done. Okay, if he already has to pay for bills that you are. Hey. That you are supposed to take care of.

[B]

That'S like once in a blue moon.

[A]

That blue moon must happen endlessly. Okay, listen. If he is taking care of bills that you are required to take care of already, when we're splitting bills, good luck. You're gonna put $2,500 towards debt and emergency fund to have a kid by a year and a half times, period. Good luck. No, you're not. Maybe it's the time to accept. Maybe your path is wrong. Maybe your method does not work and that is okay and you're willing to hear something different. Maybe you don't have it figured out. Maybe you were on the show because your finances are dumb.

[B]

I mean, maybe.

[A]

So you think just cutting back those three things gets us there, even though he has to pay for the bill. So you're cutting back all food, all vape, all smoke, all cancer, all off. You're cutting back everything. Everything is all gone. All gone. Is it?

[B]

I think how much you spend on.

[A]

Fast food in a month?

[B]

I mean, that number. I cook probably once a week. So let's see, if I had to guess, like $300.

[A]

I cook once a week, so it's $300. Does that mean you eat out six times a week?

[B]

Probably, yeah.

[A]

And how many meals do you eat a day?

[B]

Like two. Two meals a day or lunch and dinner. I don't know how I'm learning to cook. I am learning to cook. I was never taught.

[A]

Okay, Use our cookbook. Use our cookbook. Everyone out there gets a physical version of our cookbook. When you sign up for simpler budget, the annual edition, which saves you months of payments anyway. Use the cookbook. I mean, it's just a recipe. Learn how to cook. It's right there. It's budget friendly too. It's for a $300 a month of grocery budget. So $300 a month. So two meals. Two meals. You cook once a day. So that means we have two times six, plus one for the other meal that you're not cooking. Because you cook for one meal and you only eat two meals a day. Thirteen. Thirteen meals. We must have $300. Thirteen. So you spend $300. Oh, sorry. But 300 a week, you say you spend. No, you said a month.

[B]

Probably a month.

[A]

Yeah. Okay, so 13 times four. So that's 52. Well done. 352. So you spend $5.76ameal. Your path is very interesting. It's the most interesting path I've ever seen. The path's a little crooked and broken. And so.

[B]

I'm learning to cook. It's a process.

[A]

That's not. You say you spent six, 300 hours going out to eat. That'd be $5.76ameal. What's the last time you went to a fast food restaurant, even McDonald's, and got something for five buc. That's actually a meal.

[B]

They actually have cones.

[A]

Sure.

[B]

They have a McGang Bang that I get quite often.

[A]

What? Yeah, I know you've. It looks like you've been gang banged quite a few times. Whoa. So Ronald just can't stop shoving it in.

[B]

I'll let him.

[A]

You're a McDonald, not a. I know you like free things and I'm giving some things away for free right now. And let me show you how to get it. First, I'm giving you a limited edition financial audit tumbler, plus a 30 day trial of simpler budget premium to new users when you buy my four class bundle. And this trial is normally only 14 days, but I'm doubling it just for those purchasers. And do you just want one class? No worries. You'll still get access to that 30 day simpler budget trial. And act now, because we're winding down our intro pricing at midnight on April 23rd. So this is the best price you'll ever see on these classes. So if you're feeling stuck or intimidated by your finances, you're not alone. And now is the best time to get started. Grab your free limited edition Tumblr, sit back, and finally take control of your financial future. Or don't. And you can end up right here. Oh, by the way, you spent a thousand hours going out to you. So I mean, go yourself.

[B]

No way.

[A]

Yes way. $20 on average per meal. If you only cook one meal a week, which, yes, makes sense, I just.

[B]

Swipe, which is bad, I know, but I have. If I want something and I have the money, why don't I get it?

[A]

You don't have the money to spend $2,000 more than you make on a monthly basis. You don't have the money. What are you talking about? What are you talking about?

[B]

I just, if I want it.

[A]

Just wanted more than the kid.

[B]

That's not true. I do, okay? I want a kid.

[A]

You don't even know how much you spend on food. You don't know how much you spend on any of that. You do not get to leave this building until you download the simpler budget app. It automates everything. It is so simple. It will literally just change your life. I don't know why everyone in the world doesn't just use it. Literally download it. And again, anyone who signs up for the annual version gets one of these Founders edition signed notebooks and the cookbook mailed directly to you. When you sign up for annual, what do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best.

[B]

I actually took the test. I did. And I got a zero.

[A]

Oh, sadly. And you think you have the path.

[B]

To get there eventually? The process.

[A]

This is. Yeah, the process. Guys.

[B]

It's a process.

[A]

Guys.

[B]

It's a process.

[A]

Process.

[B]

It's.

[A]

But you can't describe the process. It's a process. You just don't know what the what talking about. It's a process. Everything's a process. By your logic, you. It's a process. I don't know what you mean. It's a process. It's the dumbest thing. If you want to see a process, go to calebhammer.com and I'll go through the equation and quiz and I'll give you your financial score. And if you have a process that you need broken apart, come down here to Austin, Texas. I'd be happy to have you on the show@caleb hammer.com apply.

[B]

I have time. I have time to fix this before I have a baby.

[A]

We've already went through the math, lady. I don't how many McDoubles are up there. Like, is that just like taking all brain capacity away?

[B]

No, that might be.

[A]

She got really excited when I mentioned McDoubles. Did you guys see that?

[B]

This is my favorite place to eat.

[A]

Uncontrolled. Is it?

[B]

I love it. It's cheap and it's good and it's Fast.

[A]

You spend $20 on average PER.

[B]

Yeah.

[A]

Okie dokie. Let's get into the finances because. Oh, my. I don't know if you'll be able to understand the numbers. I am saying we'll see. Capital1 just OG classic capital1. We're looking at $1,847.40 with a $67 minimum monthly payment. Good. What's going on with this card? What's going on?

[B]

So I know on that one, I think I bought an Apple watch on that one, and then I lost it, so I had to buy another Apple watch.

[A]

Yeah. For all your workouts. My. Okay. What?

[B]

Yeah, I am trying to work out. That's why I have to have it, and I use it for work, so.

[A]

Huh? You have to have it for work?

[B]

Well, I don't have for the community, but I use it. I said I use it for work. I didn't say I have to have it.

[A]

What do you even use it to work for?

[B]

When I'm driving and the guys are texting me, and I can just be like, hey, or respond or. And it does track when I work out.

[A]

Right. Because you do not have a phone.

[B]

I do have a phone, but you're not supposed to be on your phone when you drive.

[A]

Is your car not Suntex?

[B]

It does have Apple carplay.

[A]

Then what the are you talking about?

[B]

Apple CarPlay is for Maps. It's just easier to just, like, see it.

[A]

Great. That's certainly not distracting to respond to. Respond. Not just glancing.

[B]

Yeah, I just need to look if I need to respond. Yeah. Hey, Siri, text.

[A]

Can I have Apple Care?

[B]

Mm, No. I didn't think I would lose it.

[A]

When'd you lose it? How quickly after purchasing it did you lose it?

[B]

Um, maybe like five months, which really sucked. And then I waited another five months, and I was like, okay, no, I have to have a watch. And so I went and bought another one.

[A]

Okay, so what's gonna happen the next time you lose that in a. You drop it in a mcbag and it somehow ends up down your throat?

[B]

I'm not gonna lose it. I. This one I. Taking very good care of. I'm trying to.

[A]

I have a lot trying to. Everything's trying to.

[B]

I.

[A]

You haven't done anything but trying to. You have to try. I don't think you've tried. I've seen your actual effort. I don't think you've tried. There's nothing in here to suggest that you have tried to be able to use that word. I don't think you're allowed to use A word.

[B]

Trying.

[A]

Yes.

[B]

I think I'm always trying. Or at least thinking about.

[A]

Fake version of that word. Always thinking about trying. So, guys, I might attempt to try today. I might try to try to try.

[B]

When you say it like that, I'm like, I think about everything all the time. Like all my payments.

[A]

But you do nothing.

[B]

But I think about it.

[A]

That means nothing to me. That's even worse than you being ignorant. Because you're not ignorant. You know, you know this. And you don't make progress by a choice.

[B]

It's like overwhelming. It is, yeah.

[A]

But it gets more overwhelming by you not addressing it.

[B]

I'm trying.

[A]

No. No, you are not. We just.

[B]

I'm working on it.

[A]

No, you're not. You live in a delusional world.

[B]

I know what I need to do.

[A]

Then do it. Why don't you?

[B]

Because you don't.

[A]

Can you tell me why you actually don't? Please. I would love to hear why you think you don't.

[B]

Why I don't?

[A]

In your own brain, why do you think you don't? Because you are knowledgeable about the situation and what you need to do. Apparently. According to you.

[B]

I think it gets overwhelming. I think I don't know where to start.

[A]

I think you said, you know what to do.

[B]

I know what to do. It's just like, hard. And then, like, people invite you out.

[A]

I don't know where to start. And you know what to do. Which one is it?

[B]

Well, it's just hard what to, like, think about. Okay, I know, but I'm not thinking about, like, I don't want to hurt people's feelings when people invite me out or go out. I'm a people pleaser. So if they invite me to go eat, of course I'm going to say yes.

[A]

You have to go spend money there, though. You can go and get a just drink or something. Listen, your eating out cost was on average 20 bucks per spot. You don't have to spend that much depending on where you're going. Why everyone's inviting you to go to the drive through. That doesn't make any sense. You say you go to McDonald's every second, so that's not getting invited to go out. That's you around. Yeah. That's not saying someone no. That's just telling your boy, Mick.

[B]

Ronald McDonald.

[A]

Yeah. This is telling him no. And he's not inviting you. No matter what you see at night.

[B]

No, but that's. That's more. McDonald's is more for, like, lunch break. I eat McDonald's. And then if I go home and I don't cook. And me and Cameron.

[A]

You're gonna be one of those parents that only feeds their kid McDonald's.

[B]

No way.

[A]

Yes, you are. You're too lazy to cook for yourself.

[B]

That's what I'm saying. This is a process. I have to get.

[A]

Yes, it's a process if you do it. But you're not you. Oh. Your terminology and use of words is gonna infuriate me. You don't do anything yet you just try to pretend like you are or that you say the right phrase to get out of some pushback. Shut the up. You can't take care of yourself. You think you're gonna take care of a kid?

[B]

Yes, I think I will be.

[A]

Why? What's gonna change that?

[B]

I think I'm gonna be a good mom.

[A]

You're gonna be excited for the first six months and then you're gonna move on to something else.

[B]

No, I do.

[A]

You're gonna feed him McFry.

[B]

I do move on to like hobbies like that. But kids are different kids. That's like all I've ever dreamed about is like kids. Three. Three kids.

[A]

But you are choosing the tunnels over that.

[B]

Because I feel like it's still like possibly a year and a half away before I'm even pregnant.

[A]

So is this conversation just a repeat fest? I've already described how much money you need to put towards it on a monthly basis to get there in a.

[B]

Year and a half to pay off everything.

[A]

Yeah, and have a fully funded emergency fund in order to have a kid in a safe way without them growing up in a stressful financially household. Like $2,500 a month.

[B]

It's quite a bit.

[A]

Spent a thousand getting McDonald's.

[B]

That's insane. Yeah. I don't.

[A]

Okay. You also spent $134.34 on this card. Why are you putting money on a credit card that cannot be fully paid off? That is accruing interest. You started above the credit limit the month previous. You started above the credit limit for sake. What are we doing here? And we're ready to have a kid.

[B]

I didn't mean to spend on that card.

[A]

I didn't mean to. Guys. It didn't actually happen because I didn't mean to. What the. None of these words you say mean.

[B]

Anything Because I took my dog to the pet parlor. I had the money in my account, but they charged my credit card automatically. I think. I think.

[A]

No, that's a lie. Or again, you're stupid. I don't know which one is It Are you a liar or stupid?

[B]

That one.

[A]

Are you a liar or stupid?

[B]

I was confused.

[A]

Confused, liar, stupid. Are the options choose one.

[B]

Confused.

[A]

What are you confused about?

[B]

Because that was a different month.

[A]

Is your confusion so much that it equals stupid? I feel like we might be going that way.

[B]

The third option that.

[A]

There's not a third option. What do you mean you can't. What were you confused about?

[B]

I was confused about which month I was talking about when I brought up the pet par limit.

[A]

Does it matter which month you started above the. So every month you started above the credit card limit and then spend on it. So so would be my response. That just shows it's even worse. You're making my mouth work overtime today. This is insane. This is so dumb. You think it's okay and excusable because I didn't remember which ones. Which actually means that I around every single month and I get bad every single month. What are we talking about? You know what's wild? It takes me just five minutes to deep dive into strangers financial disasters. But it took me way too long to finally get life insurance for myself. And why? Well, I thought it'd be a whole ordeal. But then I found Fabric by Gerber Life. Look, I'm not just thinking about spreadsheets anymore. I've got people I care about and if something happened to me, I don't want them stuck with chaos and debt. Fabric helps me with them. Fabric by Gerber Life is term life insurance that you can get done today. Made for busy parents like you all online and on your schedule. You could be covered in under 10 minutes with no health exam required. Even if you already have life insurance through work, it might not be enough enough to cover what your family actually needs without you around. And it might not follow you if you change jobs. Your own policy stays with you for the entire life of the policy. So you'll be covered no matter where you work. Fabric has flexible, high quality policies that fits your family and your budget like a million dollars in coverage for less than a dollar a day. And Fabric is legit. They've partnered with Gerber Life trusted by millions of families like yours for over 50 years. The policies are issued by Western Southern Life Assurance Company and they've got over 1900 five star reviews on pilot with a rating of excellent. And it's not just insurance. Fabric is your one stop shop free digital wills, tools to invest for your kids future and everything is easy to manage right from your phone. The best part is there's no risk to apply. You're not committing to anything yet. There's a 30 day money back guarantee and you can cancel anytime. So join the thousands of parents who've already done this. Protect your family's financial future today. Apply right now in just [e-mail] Caleb that is meatfabric.com Caleb Mecom Caleb let's get back into the episode. You ever try to organize your finances while your dog is throwing up on the rug? The doorbell is ringing and your wi fi is doing that fun thing where it just disappears mid budgeting session? Yeah, chaos. Now imagine running an online store on top of that. Shipping inventory returns. It's enough to make you consider a simpler life off the grid. But today's sponsor shipstation keeps the chaos contained. With just one login, you can manage orders from everywhere. Shopify, AM Etsy and automate tasks that used to eat up your entire afternoon. Even finds the best shipping rates for you. Up to 88% off UPS and USPS and 90% off FedEx rates. I've used Shipstation to handle merch logistics behind the scenes and it's made things so much smoother. Click print. Done. It has genuinely saved me time and sanity. So go to shipstation.com caleb to sign up and get your free trial. That is shipstation.com caleb let's get back to the episode.

[B]

I don't know why that won't one started over the credit. Probably because of interest. I never put it over by myself with my purchases, so maybe interest got me there. But it was not like I didn't purchase something to put it over, if that makes it any better.

[A]

No, I honestly, honestly, I didn't even listen to any words you just said there because none of the words you've said this episode have been honestly good. It's all bull. It's all. You don't have any sense of logic.

[B]

I feel like you're not understanding me.

[A]

Then explain it in a different way to try to make it break through to me. Try it in a different way. A different way that you haven't done yet.

[B]

I have that card. I feel like I was only using it when. No, I'm not going to say that.

[A]

No, say it.

[B]

I was gonna say I was gonna say that I feel like I only use it when I have to, but that's not true either. The way I see it is if I can pay off these cards.

[A]

But you can't.

[B]

I can.

[A]

You haven't. And we've done the math. So good luck.

[B]

I can pay off these cards. Okay.

[A]

Okay. Yeah. We can all say things that aren't true. Sure, go ahead.

[B]

Well, I will pay off these cards, and then I have, like. It's not gonna take me that long to pay off the cards. I don't think. If I, like, buckle down. If I buckle down and do it.

[A]

Pay off the cards, Buckle down, good luck.

[B]

I can do it. If I put my mind to something, I will do it. I just haven't, like, done it.

[A]

That is a custom buckle.

[B]

But it's like, my time limit is coming. Almost done with school, and then I put a time limit on myself for a baby next year. So maybe that's, like, what I needed. Motivation.

[A]

But we know what it takes to get there. Which. That's my fifth time saying this, which means literally nothing gets through to you. So all of a sudden, you're set on this kid? Are you a hobby jumper?

[B]

I am.

[A]

And this kid's gonna be the new hobby. This is what it sounds like to me.

[B]

No.

[A]

That makes so much fun. No, I don't think so to you. I think it's a hobby. I 100% think so. What are your hobby? Jumps?

[B]

I like to crochet and paint.

[A]

Yeah. And talk about the jumps and how much money you put into them. You wouldn't know because you don't track your money.

[B]

Don't. I know I spent quite a bit on painting because I had to buy, like, canvases and paints and paintbrushes. I also tried to do my own nails, so I bought, like, nail set and stuff.

[A]

Great. They look like nothing.

[B]

Well, because they're not done yet. I'm going on a bachelorette this weekend, and they will be done then. This weekend?

[A]

Continue.

[B]

I bought a hiking app. Did not.

[A]

For what?

[B]

I wanted to start hiking.

[A]

Did you?

[B]

No. But I still can because I still have the app, and it doesn't, like, cancel until March or something of next year. It's like a yearly thing. Why?

[A]

Why would you do that?

[B]

Because I feel like in my mind, if I spent money on it, I was like, okay. Then, like, you spent this money. You have to do it.

[A]

But you did.

[B]

But I didn't.

[A]

Oh, girl sake. You're losing me here. You're losing me. What the are we doing? What a joke. What a joke.

[B]

I had good intentions.

[A]

You're just jumping. No, buddy, I honestly, I don't know what your intentions are. I don't think you know what your intentions are. You jump between things. You want to have a kid, it's your next hobby. This is stupid. You started a credit card. Shut the up.

[B]

It is not a hobby.

[A]

It is to you, with the way you do things.

[B]

That's all I've dreamed about. It's like, for real. That's what I'm meant to do.

[A]

Yeah. All you do is just eat McDonald's every day and that's what you're gonna do for them. My God.

[B]

No, I'm not.

[A]

And as a fellow. Fellow fat. I get it. That's what I mean. I Love me some McD. Dude.

[B]

No. McGang Bang.

[A]

Listen, I'm not deep enough in the McDonald's lore to.

[B]

Haven't tried it.

[A]

I don't know what the you're talking about. I don't live my life there like.

[B]

Okay, look, you take a McDouble.

[A]

No, I don't even want to hear it.

[B]

Split it in half.

[A]

It's disgusting. I'm becoming disgusting. I'm disgusting. Vomiting right now.

[B]

Make gang bang 67.

[A]

Okay, so, yeah, your purchases. Curbside groceries. Okay. You know, it does cost a little more typically. There's a little bit of a surcharge. Stop. Can you take that thing off?

[B]

Sorry. It is obnoxious.

[A]

It is beyond obnoxious. It matches your personality so much.

[B]

I'm not sure.

[A]

Go green. Botanical garden. Snacks and munchies. Taco cabana chick Fil A. And going in and getting some bull. Yeah.

[B]

Lunch.

[A]

Real important. When we have a kid. When we can't pay off debt. When we're starting it above the credit card limit.

[B]

Yum. That's for lunch. Lunch and then the Go green.

[A]

Oh, I can't even, like, say the words. I said them. I've said them so many times. I can't even, like, say the words. I. You're like.

[B]

I don't want to make you mad.

[A]

Are you? It's okay.

[B]

Don't.

[A]

Bread. Sauce of choice. Condiment. Meat of choice.

[B]

Yeah.

[A]

Lettuce of choice. Tomatoes if desired. Bread.

[B]

Yep.

[A]

Packed up, taken to work. Consumed. Wow. We just saved so much money. So much money and time and time. You already curbside groceries. You already curbside the groceries?

[B]

Yeah. That's really a blessing. Curbside. I don't know. I guess when I'm, like, thinking about or when I buy groceries, it's never.

[A]

Like, oh, the food that I should eat instead of going out to eat.

[B]

No, but, like, it's like, since I don't know how to cook, I'm just buying. Like, I look up recipes, buy the recipes, and then that's like, all I can make with that. Whatever I bought from he.

[A]

What are you even buying at Target?

[B]

Everything I can show you if you want. Yeah. Curbside. Curbside Groceries and Curbside Target is the best.

[A]

Okay.

[B]

Curbside. Yeah. So.

[A]

Oh. So you purchase in app.

[B]

In app and in store. But I like, type my number in.

[A]

Okay.

[B]

For return purposes. If you ever need.

[A]

Oh, God. Trash meat. Actually, I feel like her custom cooked meal is spaghetti and sauce, but that's okay. Listen, it is cheap. I'm not gonna make fun of it. I'm not gonna make fun of it. You just made it sound so much more. Learning to cook earlier. Pre workout. That pre's holding some weight. Okay. The new Kendra Scott.

[B]

That was for Kendra Scott.

[A]

Thank goodness. Good.

[B]

That was for. I do like to shop, but that was not for me. That was for my stepmom's Christmas present.

[A]

I think F. Your step. Are you guys married?

[B]

My stepmom.

[A]

Oh, stepmom. Sorry, sorry, sorry. I was hearing mother in law.

[B]

No, not married to my stepmom.

[A]

Yeah, yeah, yeah. But also your stepmom. Because I don't care. No Christmas. You want to have a kid? Put your kid over your stepmom when it comes to Christmas. Christmas. That's Christmas.

[B]

This is the first year I have.

[A]

So many more Christmases. Shut the fuck up.

[B]

This is the first year I could actually, like, do it.

[A]

Endless amount of tampons.

[B]

Dooney tampons.

[A]

I know. We gotta clean up after the McGang Bang.

[B]

That was pretty funny.

[A]

You just get bags of cheese, but nothing else with it.

[B]

You make sausage wraps. That's one thing I do.

[A]

We got bleach and bags of cheese. The classic combination. Endless, endless clothes. Endless amount of clothes.

[B]

Also stitch fix. That's like another subscription.

[A]

Oh, a subscription box. Come on. That could be fun, but that's for people out of debt. It can be fun, but that's for people out of debt. You could totally get clothes cheaper. And also, I assume you have clothes. Do you have clothes?

[B]

I have clothes. I have. I feel I have clothes in my closet. I just, like, never can find an outfit or put anything together. So stitch fix.

[A]

What are you broken? Can you not look? I'm confused. You also have a boyfriend to help put him on a mission.

[B]

Like, it just never looks good after you wear it a couple times.

[A]

Then don't look good.

[B]

Well, I don't want to do that either.

[A]

Cool. So you don't want to be able to afford to have a kid.

[B]

No, I do. I just. I don't have to be ugly. Ugly and have a kid. Like, I can be hot and have a kid.

[A]

Surprisingly not. Like buying a ton of makeup at Target because a lot of my friends, they buy a makeup at Target because.

[B]

I buy makeup at Ulta Sake.

[A]

Okay, so how much we spend on makeup?

[B]

Maybe like $70 a month. If that. That's not that bad.

[A]

This is everything adding up. It's everything adding up. Your math isn't mathing.

[B]

Yeah.

[A]

You're just accruing. I mean it's 49 bucks just in a single month.

[B]

I just.

[A]

You just what? What possibly do you just.

[B]

Whenever I need something, I buy it. I'm very.

[A]

You have a misconception about the word need. You do not need a thousand dollars of McDonald's.

[B]

I do not. But I wanted to eat and I didn't pack a lunch.

[A]

Right. You needed to pack a lunch. Needed. Maybe you should have listened to that need. I don't know, dude. I don't know. Bank of America.

[B]

Yeah.

[A]

Yeah.

[B]

I just feel like.

[A]

Call your boyfriend for me. Call him.

[B]

Let's see if he will answer. Going put him his figure. What are you going to ask him?

[A]

It's the quietest phone ever. Invented it?

[B]

I think so.

[A]

Also stop using his real name.

[B]

Could text him and tell him to call me back when he gets a chance. Hand.

[A]

Hi. Piece of. Okay. On. Is it. Is it on? Do not disturb.

[B]

Yes, sir.

[A]

Undo not disturb it so that if he calls back, we can hear. So. Bank of America. $281.56. Not a crazy balance. But it also.

[B]

But that's. I mean, I'm sorry.

[A]

What?

[B]

That's all they will give me. And I paid.

[A]

Good.

[B]

I paid $300 to have that card.

[A]

Good. You. You need to learn your lessons when it comes to. Listen, you can use the fizz card. It's connected to your checking account. So you can only spend what's in your checking account, which is what you need, honestly. But it still builds your credit. But for sake, listen, you're at your credit limit. You made your minimum payment, but then you spent more on it than you even put towards it. Why. Why again are we possibly spending money?

[B]

If I had to guess, it was probably.

[A]

You had to guess. Great. You don't even know. Oh my gosh.

[B]

Food. If I had to guess. But I've had that card for three years. I requested two increases and they haven't given it to me.

[A]

Do you not see how that is a good thing? Do you legitimately not see how that is a good thing? Thing.

[B]

Okay. The reason I'm trying to. And I'm also. I. I'm going to tell you. I did apply for An Apple card. And they gave me, like, a path to follow pretty much to approve me. So they didn't deny me, but they didn't approve me either, so. But the only reason I'm doing that is because credit. Karma said, people, you cannot have access to credit card.

[A]

You can't manage it. You can't manage credit to save your. Your life.

[B]

I feel like I really. I feel like I can. I just f. Ed up. I need to. What?

[A]

If you could, you wouldn't have to basically max out credit cards. What are you talking about? What are you talking.

[B]

It's. Right now I have nothing motivating me. But now I do. I have a kid. My kids.

[A]

Not enough.

[B]

Now, guys. No. You're taking that out of context. Are you kidding me?

[A]

You've wanted to have a kid forever. Shut the up. I know a kid didn't just exist yesterday for you, but what's. What the.

[B]

It's becoming. That's so more real.

[A]

I don't think. I don't think. I don't think. You're not a real person. You're not a human that exists.

[B]

I am.

[A]

This is a dream. I'm in a dream. You are a mythical beast.

[B]

Maybe it's delusional to you, but now it's becoming more real for me. He's gonna graduate the end of this year, and then bam. Now it's time. This is like, actually, but with $20,000 of debt.

[A]

$20,000 under emergency fund that you should probably have, plus bills he's gonna have to take care of. And he's getting an interest salary, plus his student loans or whatever debt. What the he has?

[B]

I actually did ask him, and he's very good with money. He only has. What did he say?

[A]

What did he say?

[B]

He only has $7,000 of debt and student loans. No, in. In. In student loans.

[A]

What else?

[B]

That's it. His car is paid off. Yeah.

[A]

Why he puts up with you?

[B]

Because he doesn't have to put up with me. I put up with myself.

[A]

No. If you guys are going to get married, if you're going to have kids. Oh, he's going to have to put up with.

[B]

That's why I'm taking care of. Of this now.

[A]

You are not. Do you not know what words are? Do you now know what words are and why? You're like Twitter that throws out Bud's words endlessly. You just throw out words, but you don't know what the actual meaning of them are. Everything you say is meaningless. I'm being so mean. But you're just like you're not saying.

[B]

Real things because I just feel like you don't understand. I'm wanting.

[A]

Do I know what those words mean?

[B]

I. This is where I need to take care of it. I want to take care of it. Yes, okay, but. Okay, okay.

[A]

No, you're not doing anything, Lainey. You're not doing anything.

[B]

I'm going to start.

[A]

That was. Okay. Then why didn't you start? Let's hear that. Why didn't you start?

[B]

If you want the real answer. I just started watching you in October.

[A]

Oh, guys. Oh, guys.

[B]

October.

[A]

Jake, Lindsay. October. Hey, guys. Guess. Well, audience. October. She started watching us in October. She started watching us six months ago. We're looking at the last month. She put two credit cards to the max. One was over max. The other one is to say it's all spending 1,000 hours at McDonald's. Guys, I. But I just started learning about finances a half a year ago. What are you talking about?

[B]

Well, I started watching you in October. That's when I wanted to change everything. But then I.

[A]

Then you decided not to because you only get.

[B]

I got a puppy.

[A]

Do you realize, Lady, Lady. Do you not realize that a child is even more intense than a. A puppy?

[B]

The puppy was kind of unexpected because.

[A]

That'S not how puppies work. It is not like a kid world.

[B]

No.

[A]

Whoopsie. Oh, there it goes.

[B]

No, they created something because I had been texting the breeder since, like, April of the year before.

[A]

And it is time to cut down your financial stress and gain total financial dominance. You gotta download my budgeting app today. It's free to start, and it's the simplest way to take control of your money. In the free version, you can manually create your budgets, track expenses, and monitor your spending all in one clean, intuitive dashboard. And then you can take it a step further. Upgrade to Premium to securely link your accounts with plaid, automatically categorize transactions, and with our new update, you can set custom rules so you never have to recategorize the same purchase twice. You also get access to our private financial community, where you share tips, learn the best practices, and stay inspired. Plus, I'm adding new features, like, every freaking week to make this thing even better. And you can test it out with a 14 day free trial so there's no risks. And don't forget, when you sign up for the annual version of the premium plan, you'll receive a limited edition signed notebook and my exclusive signed hardcover cookbook, all mailed directly to your door. So make sure you download my budgeting app. Today. It's in the description and pinned comment below. You will not regret it.

[B]

She was like, I have a litter coming in October.

[A]

That's an accident. Oh, I have a litter coming in October. No, the accidental breeding is the one where you pop one out.

[B]

The accident was. I've been telling my boyfriend, I was showing him pictures and he was like, no, we're not getting a dog. No, we're not getting a dog. No, we're not getting dog. Finally, it was around my birthday and she texted me in like, what's September? It was like, hey, our puppies will be ready. And so I told him, and he was like, well, do you want it? And so then I had to, like, scramble to get money to pay for my half of the dog, because I did really want it. He's very cute. I also have a cat. Her name is Stella and she's a Siamese. So I have Maverick the poodle and Stella the Siamese.

[A]

I was being out of pocket, but also getting my frustrations out of me.

[B]

I. It's a healthy way.

[A]

It's very impossible to discuss.

[B]

I'm really trying words with. I'm trying.

[A]

There's another use of a word that is incorrect.

[B]

What's a better word for that?

[A]

So you get a dog.

[B]

October. I got a dog in October. And then it was my.

[A]

The day you started watching.

[B]

Yes. But I had to. This was, like, my opportunity. He'd been saying no forever, and then finally it's yes, and it's been no. I think I just, like, kept asking. He's very. I think he loves me so, though.

[A]

I hope so. It's d. No.

[B]

Well, no. I was talking about my boyfriend loved me enough to say, I hope so.

[A]

If you're going to have a kid with him.

[B]

Yeah, I.

[A]

Sake, dude. We went in and got some. Probably vapes.

[B]

Yeah. Well, yes, vapes. But on the.

[A]

What fees have we had this year? There's this year probably a late fee.

[B]

Is it a late fee? There should be no fee.

[A]

Pull up your app, then I'll find the fee. Pull up. Up.

[B]

Which one? Bank of America card.

[A]

We're talking about the car. Duh.

[B]

Oh. I was like, what?

[A]

I feel like that is your mental response to almost every sentence you hear.

[B]

Wait. You're gonna be so mad, Caleb.

[A]

I already am.

[B]

My dog also was only for a designer dog. He was only 1500. So that's not like. And I only had to pay half of it, so 750. 50. And he's the love of my life. I think it was worth it.

[A]

Okay. Her balance has actually only gone up. So add an extra add. Put a nine to it. You do nothing but inhale toxins.

[B]

Hey but I run you know the.

[A]

Same stuff in aerosol is in vapes. Vapes. That compound that is the mess. It is not literally water vapor is aerosol substances. We don't know the long term effects yet and many more studies are coming out about and it's really has no actual scientific upsides the week I swear.

[B]

It'S only like one hit at night and I'm every day. Oh not every day.

[A]

Maybe you said one hit at night.

[B]

One hit at night time sometimes that's every day you sometimes. Sometimes.

[A]

Guys it was to get chicken express. That's why the balance went up.

[B]

Yeah. That's crazy.

[A]

Yeah that's crazy.

[B]

I don't. I don't think there's any late feast. You don't think there shouldn't I gotta.

[A]

Not be so mean to you.

[B]

There's.

[A]

This is impossible. You. You just upset me. You just. You just upset me.

[B]

I'm sorry but.

[A]

No you're not. No you're not. That how the do I use this.

[B]

App bank of America.

[A]

Review past review the past.

[B]

Can I tell you something?

[A]

No. Maybe. Okay.

[B]

I'm going to so on the bank of America there should only be a late fee from like when I first got the card.

[A]

When did you first got the card?

[B]

Three years ago And I just like I. It was my first ever credit card.

[A]

There's been a fee this year and I need to look and figure out out what the fee was. Okay.

[B]

There shouldn't.

[A]

I am looking and I am finding. I am in past statements.

[B]

Okay.

[A]

Cuz it's really. I found it. It's in January. Let's find out what it is. Should we find out what the fee is lady? Should we find out what the fe is the fee. The.

[B]

I'm very interested because I don't.

[A]

You made a purchase that was essentially essentially transacting as like a almost like a cash equivalent purch and you got a transaction fee for it.

[B]

So what does that mean?

[A]

Let me see what purchase that applied for cash equivalent. You got something that was cash equivalent. Like you may have pulled out cash on accident. You like something but I can't figure out which one of these purchases it would have applied to.

[B]

I don't think I've ever pulled cash off my again.

[A]

It may have honestly been an accident. But you paid 3,000.

[B]

I think I'm very very proud don't of making sure that at least my Payments are on time. Very proud of that. And then also, my income should be going up a little bit more.

[A]

Okay, well, I wish that was good news.

[B]

I don't know how much yet. She told me I would be getting a raise.

[A]

Oh, but she didn't tell you what?

[B]

No. My boss is also my best friend, and so I think, trust me, it's.

[A]

Not a good dynamic.

[B]

No, I know. But I'm also very proud on the fact that we are very good about being work and friends.

[A]

I know, but trust me, they don't feel like they can do their job well.

[B]

That's what. That's what I told her, too. And so that's why when she first brought the raise, I was like, no. I just feel like this is a pity raise. And she said, no. I swear I've been thinking about this since September. La, la la la la.

[A]

You say you'll never join the Navy, never climb Mount Fuji on a port physics or break the sound barrier. Joining the Navy sounds crazy. Saying never actually is. Learn [e-mail]. america's Navy forged by the sea.

[B]

So I don't know how much, but that should be coming.

[A]

In September.

[B]

Yeah.

[A]

Oh, my. So this is basically. It's not even. We don't even know who even. It's. So far. That's so that's nothing.

[B]

No, not. She told me she's been thinking about it since September.

[A]

Even worse. She didn't give you anything. She's been thinking about it since September. She told you she's gonna get something that she's been thinking about since September, but she won't do.

[B]

No one's got any since then.

[A]

Is the business failing? I don't know. Is it not doing very well? Like, I don't know.

[B]

I think it's just like we're waiting four. I don't know.

[A]

Oh, my gosh.

[B]

I don't know.

[A]

This means nothing. Which is your best friend.

[B]

Yeah.

[A]

So I can talk to her? Can I talk to her about this?

[B]

Yeah. Huh.

[A]

Okay. I'm going to call her on the post show. I'm going to call on the post show because this is already running long. There's still some more documents to go through.

[B]

Okay.

[A]

Okay.

[B]

But be sweet to her. She's like. She's so sweet.

[A]

Great. Not sweet enough to actually give you the money that she said she was going to give you. Great.

[B]

She's sweet still.

[A]

Listen, if you need therapy after that conversation, I'll gift you three therapy sessions to s mine. No, it's where our audience uses what you should Use. It's a good plug.

[B]

Is this.

[A]

I don't even. No, I've lost it. I just. I don't. I don't have hope in you. I'm sorry.

[B]

No, don't say that.

[A]

I'd say it happens one out of every 10 recordings. And it's happening here.

[B]

No, don't say that. Because. Because I really respect you. I really do.

[A]

Oh, thank you.

[B]

I do. And so you can't tell me you don't have hope in me. Because that's why I came here. Is because. Cuz like you yelling at me.

[A]

That's great. You've been watching for six months and you've done nothing except actually get worse.

[B]

Very personal. So you yelling at me is probably what I need.

[A]

Yeah. But someone like you. I've seen people like you. You get fire lit under your ass.

[B]

Anyone like me, you've never seen any. I promise you.

[A]

You're not unique.

[B]

I am.

[A]

You're the least unique individual I've ever met in my life.

[B]

You are wrong about that.

[A]

You're like everyone else that's been on.

[B]

Maybe financial wise, maybe not. Like when I say I'm gonna do something, I'll do it wise.

[A]

You're right. Not everyone goes to McDonald's every day. Well, okay. What is this? Consumer credit disclosure you financed. It's a hundred and it's 100.3% interest.

[B]

You're right.

[A]

Maybe you're not like others. You're delusional. What is this?

[B]

That one's very bad. That is.

[A]

Oh, is it? It is. I would say so. I believe. This is bad. What is it?

[B]

That is a loan. I needed.

[A]

Needed. Did. Here's the word need again.

[B]

Because I didn't want to borrow money from anyone.

[A]

So we get 100%.

[B]

Yeah, yeah.

[A]

Go on, please.

[B]

Because I had bought Maverick the puppy. And then I.

[A]

You can't have a kid.

[B]

I need.

[A]

You cannot have a kid.

[B]

No. Yes, I cannot have a kid. Yes, I can. No, I will.

[A]

No, no. You're 100% interest rate for a dog. You cannot have a kid. You cannot have a kid. You cannot have a kid.

[B]

Really? It was like.

[A]

You cannot have a kid.

[B]

Cover the bill.

[A]

There's not a chance in this world you can have a dog. Not a chance in this world you can have a kid.

[B]

No, I'm going to.

[A]

You are the furthest away from ever being to have a kid. Do not have a kid. Do not have a child. No, no, no. You are going to take out payday loans for this kid.

[B]

No.

[A]

There is nothing to Suggest that I am wrong, but everything that suggests that I am right. You got a dog and you took out 100% interest rate loan for something related.

[B]

Yeah. What.

[A]

What, what did you take it out for specifically?

[B]

I think I bought the dog and then I needed like some bill came up and I had like bills. I was unprepared for the dog. So what the. But it was my only opportunity. I'm telling you, I had to.

[A]

Dogs always are born.

[B]

Not maverick.

[A]

You.

[B]

I plan to pay it right back. And that.

[A]

Yeah, you planned to.

[B]

I planned to, yeah.

[A]

And guess what will happen. Please inform us all.

[B]

I think something else came up.

[A]

Oh, nothing ever comes up. Right. For you. You.

[B]

And so I had to just make the payment.

[A]

Killing me on it.

[B]

Yeah, that one. I know that one's pretty. Is it crazy? Yeah, I didn't want to do it.

[A]

But you did it. You didn't need to get the dog. Okay. Oh, this was in. You took this out in October, the month you started watching the show and got the dog.

[B]

And recently I did.

[A]

How'd you even find this loan? This is a horrible interest rate. What do you even find this.

[B]

I just typed in loan. Googled loan near me. I'm telling you, it was a quick thing because I realized too late and I didn't want to borrow money from anybody.

[A]

I didn't borrow that much. This is the stupidest loan I've ever seen in my life. But now it's worth. It's a trillion dollars. Now it's like $500 still. I don't know.

[B]

Well, it might be. I did refinance that up or like bump it up what? A little bit.

[A]

Wait, what does that mean?

[B]

Like, so I got it paid down to like $100. And then recently I needed. Oh, cuz I had covered someone's part on the Bachelorette and so I got. Guys, I just got $300 more. Yeah, but I had to. I. I had to.

[A]

You don't even know what the word you. Stop it. Stop it. Oh, answer it. Is that him?

[B]

Yeah.

[A]

Answer it. What the is wrong with your girlfriend, dude? What the is wrong with your girlfriend? What possibly is wrong with this? Well, whatever. Do you even know her existence? I do. Dude, how much debt does she have? I would say around three to 4,000. Yes. $20,000. You know more than me then don't. She almost paid off her payday loan. Did you even know she had a payday loan? She had a payday loan. Did you know that? No. Well, she had a payday loan. She almost paid it off and then she took it all the way back up again. Yeah. Now that's. That's news to me. This Kenny G wannabe over here is endlessly going into debt to spend $1,000 a month on McDonald's, yet she wants you toing blow her up with your nut so she can pop out a kid. I'm. I'm right there with you, brother. I agree 100%.

[B]

Yeah.

[A]

So you're not gonna have a kid, right? Because you can't even have a dog. Yeah. Cochrane life way your way through it, right? No kid. No. Yeah. I mean, we. We've got to get some under control before we even think about supporting another. Another person. And you might be able to. I hear you only have student loans. Is that correct? I have one loan out for 3,000. That's for student loans. And I took that out this semester. I have one more semester, so I graduate. That's the only Deb thank. How the. What is she going to do? She. What is she going to do? She does nothing, but it's just smiling here like a. Disgusting. Oh my gosh. I'm. I'm sorry. I'm raging. I am actually raging. I feel my blood coursing. I am raging. I am raging. Oh, okay. It's. It's something that needs to be discussed for sure. Great. Absolutely. Fantastic. You need to know how much debt she has. Has. You guessed about 25% of it. You didn't know? She has a payday loan. 100% interest. 100% interest? Yeah. All she does is just payday loan. You guys got a dog? It's an accidental dog. Whoopsie. I accidentally chose to adopt a dog. Oh. No accidents. Right? And she can't afford to take care. You're going to bail her out. She's going to go into more debt. She can't control herself. She can't not. She can cook one meal a week. She has to get high every night before she goes to bed. There's nothing she can do in life successfully for somehow holding down her job. Let me guess. It's only because her boss is her best friend. Yeah. No, We. We talked about, you know, planning. Planning a budget and everything like that, but as far as sticking to it, it's. It's yet to be seen, but it's something she's working on for sure. This has been beyond enraging. I can't even express. I can't even express, buddy. Like, this actually kind of sucks. I hear you. I hear you. I. I don't. I don't know what to do with her. How do I. Like, literally, I can't get things through to her. I can't get things through to her. I. I try to explain the math that it takes to be able to have a kid in a year. By the way, do you want to have a kid in a year and a half? A half. I'd like to graduate. I'd like to land a good job before. Before I have a kid. Once. Once that's done, I think. I think we'll be able to handle it. But at this time in point, no, I don't think. I don't think a kid is in. Is in the picture. Yeah. She would need to spend $2,500 on a monthly basis to pay off her debt. Have a fully funded emergency fund by the time you have a kid in a year and a half. So I don't think that's going to happen is the thing. And she can't listen to me. I explain that, and then she says, oh, I'll just cut back a little bit and I'll be out of debt. It's the process. It's gonna happen. I want to do it. I learned about the show six months ago. It's all gonna be good. Everything's gonna be fine. I cut back a little. I can't get through to her, and I'm pissed, and I look like an asshole on camera right now. 100%. But people do not realize how absolutely enraging this is to have to talk to someone like this. To have to. This is. My requirement for the day, is to do okay. I'm not gonna complain, but this is. So maybe I am. I don't know. I don't know. But how are you gonna deal with this, buddy? Because I don't have a way. I don't know. I'm kind of. I was kind of hoping that when she got the call, you know, to come on the show, that she could get some. Some sense, talk some sense or maybe like, shed some light on some situation. She can't comprehend words, and then she uses words that don' make the definitional sense of the word she's using. No, yeah, I hear you. I hear you. Like I said, we've had conversations in the past about budgeting, about cutting back and everything like that. But, you know, I think. I think hearing it from someone, someone like yourself, I think that would help. As long as she. As long as she's open to change and open to. She doesn't know what she has to do, and she Refuses to accept anything. Listen, just one word of recommendation. No. 1. 1. One recommendation to walk away with for you. One word. Recommendation. No. Just one recommendation for you, buddy. You're on the green. Please don't try to sink one in this hole. Run.

[B]

What the heck?

[A]

Listen, I don't know. This is beyond stupid. I mean, this is. It's so dumb.

[B]

That one is bad. I know what. That one is the worst.

[A]

The other ones weren't. That you continually max out. The other ones weren't. The other ones actually were not. Huh. But the other one's not.

[B]

No, I'm just saying.

[A]

Exactly. Stupid loan. Yeah. $3,000 of IRS. Great. We're not doing any. Oh, okay. Oh my gosh. Okay. I need a second.

[B]

Yeah, I tried to.

[A]

Do you have something pleasant that you're able to tell me just for a moment? This has been so far. An hour and 15 minutes is just like. I'm. I'm broken.

[B]

Can tell you. Show you pictures of my dog. No, no.

[A]

Because that dog is dead.

[B]

Mom. The loan also was like a way to try and build credit.

[A]

The IRS loan?

[B]

No, the first.

[A]

The payday loan.

[B]

Yeah.

[A]

You thought that would put a smile on my face?

[B]

No, I didn't think. But the kinda I'm trying to build credit and the fact that I'm on a payment plan. That's good. That's process or progress.

[A]

Sorry, forced payments. Listen.

[B]

Yeah, not forced. They didn't make me do that.

[A]

You put yourself on a payment plan so you are forced to make payments because you can't manage your own money.

[B]

Because I cannot pay $6,300 right now.

[A]

We could have budgeted out over a course of a few months. I betcha.

[B]

Can try. Car.

[A]

Don't even look at this. I don't even see the. What's the balance? I don't see it. I just see the minimum payment.

[B]

Like 10,000. Let's log in. You want me to.

[A]

To see at what interest rate?

[B]

24. Yeah, let's see. Let's see. No, thanks. Balance? Yeah, 23.52. And the balance is $10,811.84. But it's the first car I could find and I really needed a car. My other one, I wrecked it. I had. Yeah. Bad wreck. Totaled three cars and then I had to find another car.

[A]

You totaled three cars?

[B]

Yeah, I did.

[A]

Yeah.

[B]

It was an accident.

[A]

Yeah, yeah. Like your birth Caleb.

[B]

That probably wasn't an accident.

[A]

Term, that's probably a billion years long. And a minimum payment you can't afford. What am I Doing here. What a waste of. Thanks for wasting my afternoon. Yeah, the though I don't feel good good. I walk away feeling good when there's a path that I can get people on. When people come back on the follow up channel and they have. I didn't think exactly $200 in our checking accounts. All just Starbucks, Apple, Crab Restaurant, Rooster. It's all. It's all. Oh, another page of bull for sake man sake. Let's all just $11 in savings. I'm sorry.

[B]

Yeah, it's a mess right now, but achievable to fix.

[A]

Not by you.

[B]

That's what you think.

[A]

That's what I.

[B]

No, no.

[A]

I've seen. I've done this for three years.

[B]

That's where you're wrong. Also, I guess maybe now is a good time to tell you that my boss pays for my phone and my car payment.

[A]

Why? Why did your boyfriend have to cover your phone bill?

[B]

Because probably went somewhere else. And when I said that's like once in a blue moon. It really is. It's like once in maybe like every six months when I just like.

[A]

I'm just. I'm thinking of this in the moment. I'm just. I hate this. I am here. This is a real conversation happening. I know. When we're just sitting here watching it after the fact. It's like, oh, you don't understand how rage inducing this actually is having going through four of these conversations a week for three years. You can't use words. You are incorrect about everything you say. Everything is broken here and you're not going to do anything. And it's all so that you can just sit on your all day. If we're being completely honest because you've hopped on a new hobby of having a kid. I'm done. I'm done. And I'm. I. Jake, please mute her because I no longer want to hear her face. They can't hear you. They can't hear you. Please get up. Please get up. Up. Stand.

[B]

Okay. Geez Louise.

[A]

And go over there where I'm gonna put you in the green room and I'm gonna have 10 minutes of the post show without having to look at you. Cause you annoy the out of me and I'm annoyed and this sucks. And this isn't the best look of me. I'll be honest. But this is the reality of what's actually happening here sometimes. And I'm done. Don't end up like that. Okay? Download the simpler budget app and you won't join us in the post show after 10 minutes of calming down. We'll bring her in. I'll call her boss. But this.

[B]

I just feel like it's wrong. No offense.

[A]

Caleb, give a video that you ramped up again.

[B]

You were kind of rude to me.

[A]

Me, the personalities that I despise the most in this entire world. Lindsay's gonna call the boss and get that raise out of her. Save this woman's income. To watch the financial audit post show, click the join button below.