I F*cking Hate Her | Financial Audit

Summary

Financial Audit with Caleb Hammer

Episode: "I F*cking Hate Her"
Date: January 30, 2026
Guest: Liz (38, Pittsburgh, PA)
Main Theme:
A candid, often abrasive financial intervention of Liz and her husband’s chaotic financial situation, with deep dives into debt, spending habits, and household dynamics. The central focus is on the couple’s cycle of debt accumulation, failed plans, excessive spending, and the psychological and relational underpinnings driving their financial malaise.

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Episode Overview

This episode features Liz, a 38-year-old marketing professional from Pittsburgh, who joins Caleb for an exhaustive review of her and her husband's finances. Liz lays out her "plan" to fix their financial situation, but quickly faces tough love and relentless scrutiny from Caleb. The discussion navigates through the couple’s massive debt (excluding their mortgage), cash flow problems, repeated spending on non-essentials, reliance on debt consolidations, and domestic habits—highlighted by Liz’s overwhelmed approach and her husband's apparent detachment.

The conversation is far from gentle: Caleb’s trademark brutal honesty drives the episode, offering moments of biting humor and memorable quotes as he pushes Liz for clarity, accountability, and real change.

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Key Discussion Points & Insights

1. Income & Domestic Finances

• Liz: $65,000/year as a corporate merchandising officer at a bank.
• Husband: $22/hr as a delivery driver (new job), netting about $1,750 biweekly.
• Combined household income: ~$6,200/month—solid for Pittsburgh’s cost of living.
• Despite this, Liz feels like they're "treading water," attributing it to a cycle of debt and unpredictable expenses (03:06–03:33).

“6200 should be doing pretty well in Pittsburgh. You and the hubby.” – Caleb (03:07)

2. The ‘Grand Plan’ and Its Flaws

Liz’s “multi-step” plan revolves around debt consolidations and building a $5000 emergency fund—eventually. Caleb pushes back hard, highlighting that the “plan” is aspirational, with no room for error, and fails to account for inevitable emergencies:

• Reliance on Nothing Going Wrong:
  Liz admits the plan falls apart if anything bad happens, which, as Caleb points out, is inevitable. (04:06–04:45)
• Consolidations as a Crutch:
  The “plan” includes a consolidation in July and another in 2027. Caleb expresses deep skepticism, noting their persistent overspending would just recreate the debt—kicking the can rather than fixing the root problem. (10:55–11:12, 19:12–19:56)

“Why would you set up a plan that can’t have any flaws happen along the way? … That’s not a plan.” – Caleb (04:12)

• No Meaningful Budgeting Practice:
  Liz creates spreadsheets, but admits they don’t effectively limit spending—she hasn't found a budgeting app that "works properly," which Caleb calls out as an excuse. (15:26–16:10)

3. Insane Spending & Debt

• Last month: $15,970 spent, double the NET income.
• $2150/month routinely categorized as “bullshit” by Caleb—meaning money ousted on avoidable, nonessential purchases (gas station snacks, cigarettes, eating out, subscriptions, TikTok shop, etc.) (06:09–07:08; 13:38–14:49)

Notorious Spending Highlights (quoted from analysis):

• Gas station stops (husband): cigarettes, bottled water, snacks;
• Liz: lunches out, various subscriptions, phone games, random Amazon/TikTok purchases.

"You spent $2,150 on bullshit. That is what’s killing you." – Caleb (13:38)

4. Household Dynamics & Personal Responsibility

• Liz Handles All Finances:
  Husband is described as "not detail-oriented" and "accident-prone," with perpetual workplace injuries.
• Caleb’s Harsh Characterizations:
  Caleb often refers to Liz’s husband in harsh terms (“cuck,” “loser,” “stinky,” “degenerate”), criticizing his smoking, clumsiness, and lack of engagement with the budget. (13:00, 25:55, 27:34, 30:05)
• Liz admits her past privilege and the safety net of parental support, with parents bailing her out repeatedly. (79:00–79:21)

"He handles the finances, yet this is where we are." – Caleb (14:51)

5. Unpredictable Life Events—And Inadequate Preparation

• Husband’s accidents: recent broken ribs, past broken leg, multiple medical bills.
• Major Home Emergencies:
  • New roof ($24,000+), financed with deferred-interest credit, with another $5,100 for unexpected repairs.
  • Faulty plumbing, cat illness (multiple vet bills)—all charged to cards with looming high interest.
• Every event leads to more debt; none triggers lasting behavioral change.

"This only happened in a year. What is wrong with you guys? This is horrendous." – Caleb (48:17–48:24)

6. Repeated Cycles of Consolidation and Kicking the Can

• Balance transfers, personal loans, 401k loans, even borrowing from life insurance policy—all used to juggle old balances, never to truly pay down principal.
• Parental loans ($5,000), chronic minimum payments, and no stable progress evident.

"You cope endlessly… Instead of actually buckling down and taking care of shit." – Caleb (51:20)

7. Plans for Children—and More Red Flags

• Liz and husband have tried for a child for 5 years, contemplating further attempts despite dire finances.
• Caleb highlights the irresponsibility of bringing a child into current circumstances and the lack of contingency planning. (33:04–34:05)

"You’re setting yourself up for complete failure and you want to bring in a kid during that process. That’s a joke." – Caleb (34:06)

8. Exasperating Excuses – and Brutal Honesty

Notable are Liz’s repeated justifications of purchases and delays in tackling spending, each met by Caleb’s blunt admonishments.

“You grew up spoiled, you’re not willing to change your lifestyle at all… and you’re a whiny little victim when you can’t afford groceries.” – Caleb (31:06)

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Notable Quotes & Memorable Moments

• On the Plan’s Inadequacy:
  “Why would you set up a plan that can’t have any flaws … That’s not a plan.” – Caleb (04:12)
• On Excuse-Making:
  “You cope endlessly. You look for an escape… That is what you’ve always done.” – Caleb (51:20)
• On Spending:
  “You spent $2,150 on bullshit. That is what’s killing you.” – Caleb (13:38)
• On Husband:
  “He falls and breaks his ribs every three days. What are you talking about?” – Caleb (16:10)
• On Parenting Aspirations:
  “You’re setting yourself up for complete failure and you want to bring in a kid during that process. That’s a joke.” – Caleb (34:06)
• On Emergency Funds:
  “That plan only works if nothing bad ever happens; you just told me he broke his ribs this morning!” – Caleb (12:18)
• On Bailing Out:
  “Mommy and daddy were always there to bail their precious one singular daughter out.” – Caleb (79:00)
• On Budgeting Habits:
  “Spreadsheets don’t matter if you don’t do anything based on it.” – Caleb (18:15)

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Important Segments & Timestamps

| Segment | Timestamps | Description | |---------|------------|-------------| | Introductions, Income, Household Overview | 01:03–03:24 | Liz introduces herself; income details, job history | | "The Plan" Critique | 03:29–05:46 | Liz describes plan, Caleb pushes on fragility | | Debt and Spending Breakdown | 06:09–07:08, 19:12–22:03 | $15K+ monthly spend, much on non-essentials | | Budgeting & Apps Excuse | 15:26–17:52 | Liz’s refusal to use budgeting tools, blamed on preference or tech | | Husband’s Spending Habits Called Out | 25:07–26:49 | Gas station splurges, smoking, energy drinks | | Major Home Repairs & Deferred Debt | 39:07–43:13, 74:34–76:38 | Roof replacement, plumbing, all loaded on credit | | Parental Bailouts & Privilege Reflection | 79:00–79:21 | Liz concedes repeated help from parents | | Parenting Aspirations in Crisis | 33:04–35:01 | Attempting children amid dire finances, ovulation jokes | | Hard Numbers & Minimum Payments | 89:13–92:26 | Debt service alone at $1,785/month, only $863 surplus—if all goes well | | Final Reckoning on Scores | 92:28–93:38 | Caleb scores Liz a 2.5/10, matching self-assessment |

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Final Assessment & Takeaways

Liz and her husband are in a precarious, unsustainable financial position, not due to lack of income but deeply ingrained behavioral and psychological patterns:

• Repeating cycles of over-spending and debt consolidation,
• Reluctance (and sometimes refusal) to confront or change daily habits,
• Heavy reliance on wishful thinking and external bailouts (parents, future credit),
• Persistent failure to establish a real emergency fund or contingency plan.

Caleb’s prescription:

• No further consolidation unless, and only if, there are at least 2-3 months of strict adherence to a real budget—by both Liz and her husband.
• Open and direct communication is critical: if the couple cannot get fully aligned, any tactical moves will fail.
• The current lifestyle and approach to emergencies practically guarantee eventual bankruptcy or total financial exhaustion—especially with aspirations for a child.

Summary in Liz’s Own Words:
"I know we have enough money... but after paying my mortgage, I only have 50 bucks left. How am I supposed to spend money on groceries?" (21:05)
— a statement undercut by thousands wasted monthly on “bullshit,” as Caleb underscores relentlessly.

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Episode Tone

Confrontational, unsparing, cutting—but with undercurrents of encouragement and hope for change.
Liz gamely takes the heat, but the episode stands out for its mix of gallows humor, harsh truths, and the relentless exposure of how the small, daily patterns ultimately drive financial ruin.

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“I want to see you do well, but setting you up on a plan that is flawed—that’s going to hurt you—doesn’t make any sense.” – Caleb (50:42)

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Recommended for:
Anyone struggling with recurring debt despite respectable income, couples out of sync financially, or listeners needing an unfiltered reality check about where wishful thinking and denial lead with money. This is a masterclass in financial tough love.

Transcript

[A]

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

[B]

It's easier to say that we're from looking at it on the outside.

[A]

You mean based on your living numbers?

[B]

Why not the debt?

[A]

You were off by 10,000.

[B]

10,000. In the grand scheme of all this.

[A]

Substantial amount of money, you're right. You're in an insane amount of debt.

[B]

I'm totally on board with budgeting. I know we have enough money, which.

[A]

Is why we spend more than we made.

[B]

Gotta pay my $1,500 mortgage, and then I only have 50 bucks left. How am I supposed to spend money on groceries?

[A]

Are you.

[B]

I am not.

[A]

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.

[B]

That.

[A]

That's a promise.

[B]

I'm Liz. I'm 38 years old. I'm from Pittsburgh, Pennsylvania. And this is Financial Audit.

[A]

Well, thanks for coming down to Austin from Pittsburgh. I appreciate it. What do you do up there for a living?

[B]

I work on a marketing team for a bank. So I'm our corporate merchandising officer.

[A]

Working at a bank. But in marketing, that's usually not what people do at a bank.

[B]

Right.

[A]

You know, right when they come on the show. So what do you make? Marketing can make, you know, pretty. Pretty solid money legitimately.

[B]

So right now I'm at about. About 65,000 a year.

[A]

How's that doing in Pittsburgh?

[B]

It's all right. I feel like I could always be making more money.

[A]

Everyone can always be making more money. But how's it doing in Pittsburgh? Wells at 65, running.

[B]

I'm married, so I have a husband.

[A]

Well done. Is his. Are his finances incorporated into these docs?

[B]

Everything. Is.

[A]

Is he a pussy or is he.

[B]

No, I don't think he could take the heat.

[A]

So he's a pussy. I was correct in my assessment. He.

[B]

I think it would be receptive to a conversation, but I don't think it could handle the. This type of conversation.

[A]

Well, that's okay. So his finances are included in this?

[B]

Correct.

[A]

Okay, so what's his job?

[B]

He works as a local delivery driver and warehouse person for a marble countertop.

[A]

Gotcha.

[B]

He just started that job, so he's just.

[A]

What does he make?

[B]

He's making $22 an hour. About 40 probably 40 plus hours a week. We just got his first regular paycheck and what hit it was 1750.

[A]

And is that every other week?

[B]

It's semi monthly. Good. I'm guessing it'll probably be a little bit less than that typically. So 15 is probably six.

[A]

Okay. So 3,000 from him. What hits your account from.

[B]

So historically we've been semi monthly and I've been at about 3,500amonth. But after the beginning of the year we're going to bi weekly. So my paychecks are going to be less.

[A]

Yeah. But honestly, pretty dang similar. Let's call it 6250.

[B]

Yeah.

[A]

Okay. As far as the household income, not bad. Midwest rust belt, definitely not one of the more expensive areas. That's for sure. Declining area. Pittsburgh, not a bad city though. A so cheap. So 6200 should be doing pretty well in Pittsburgh. You and the hubby.

[B]

Yeah.

[A]

Are you. I would suggest no if you're on this show.

[B]

If I'm being honest, I mean, I feel like we've been treading water for a while.

[A]

Why? What's treading water to you?

[B]

I never really thought our debt was too bad. I felt like we were kind of making progress in a good way. But I have this plan.

[A]

Plan?

[B]

Yeah, I'm a big planner.

[A]

Ooh, tell me the plan. The Liz plan. The plan of Liz. It's kind of a Liz and pussy husband.

[B]

A very multi step plan.

[A]

Okay. But most are.

[B]

Will potentially go downhill if anything bad happens. So it only works if.

[A]

Why do we set that up then? Because that's not a realistic plan. Bad things happen all the time. What are we talking about?

[B]

That's very clear.

[A]

So what. But why would you make that. No, that doesn't make any sense. Why would you make that plan? That's not a plan.

[B]

Well, you have to have something if you're taking.

[A]

Yeah, but you're the one who constructed the plan. You're the one who made the plan.

[B]

Yes.

[A]

So why would you set up a plan that can't have any flaws happen along the way?

[B]

It's better than not having a plan at all.

[A]

Sure. But it sounds like it's almost basically like that in the end. Well, because it's an unsustainable plan. Because there is no life, new life that anyone lives. Even the best lives among us where something unpredictable does not pop up along the way. This is not possible. This is Not a thing. Because be five years, could be five minutes. I don't know.

[B]

I get that. But you got it. You got to do what you got to do in the moment.

[A]

Sure. So what's your grand plan? What's this grand plan, Baker Plan?

[B]

I mean, kind of have to look at everything first.

[A]

Oh, my gosh. Or you could just tell me the plan. I'm sorry, but I want to know. I want to know where your brain is at as I'm going into this.

[B]

It does involve several consolidations over the.

[A]

Next two to three, which can potentially be okay. It's just like any other tool.

[B]

Right.

[A]

Even cash advance to a certain point, you know, can be okay if you're using it in the right way. If you're not changing your behavior, consolidation will you just like everyone that's ever been on this show. So I wouldn't necessarily suggest that makes the most sense if you're the one on the show. Meaning your behavior is likely out of control.

[B]

I would say that.

[A]

What are you gonna use this bank that you work at or something? Is that like the grand scheme? Yes, actually.

[B]

So I. Well, I actually worked before. I was in marketing. I've been with a bank for over 12 years. I was in a branch for six and a half years. Okay. So I am very familiar with the different options that are available. And I'm.

[A]

Well, you are so. Okay, Mrs. Bank Teller.

[B]

I. I wasn't just a teller. I was on the platform, so I was opening accounts, doing loans, all of that good stuff.

[A]

Wow. Wow.

[B]

Yes.

[A]

For yourself?

[B]

Not specifically.

[A]

But why are you. If you're the banker queen, if you were helping other people with their loans, navigate the system, same people that were getting. Why are you?

[B]

Well, I think it's easier to say that we're from looking out and on the outside than it's actually living inside of it. Yeah.

[A]

Well, what else is there to go off of? Oh, you don't feel none. The number say you are. So you're not. What? No, I mean, make that make sense to me.

[B]

When you look at it as an outsider, I'm looking at.

[A]

How much debt do you have, banking.

[B]

Lady, besides our mortgage?

[A]

You know, that's. I don't know if you believe that or not.

[B]

Yeah, probably about 360.

[A]

Just about 350. Okay, very good. How much did you spend last month, banking lady?

[B]

Well, income was probably.

[A]

No, that doesn't matter. How much did you spend last month, banking lady?

[B]

Between 75 and 8,000.

[A]

Okay. $15,970.33. So you're not. Can you tell me how you're not?

[B]

Does that include interest?

[A]

It potentially includes interest.

[B]

Okay.

[A]

It is everything that is going against you, essentially.

[B]

Oh, here's the question I've always had when you tell people that about credit cards. As someone who. Obviously we're not in this place now, but as someone who was consistently using a credit card and paying it off every month.

[A]

Were previously. Were.

[B]

Yes. But now by choice, not doing that.

[A]

Why?

[B]

To get away from it. So that's partly what the not paying.

[A]

On your debt is to get away from. Oh, so you're going to let and then do it.

[B]

No use trying to use the debit card instead of making a payment on the credit card. Just to use the credit card again.

[A]

Sure. But you should still make payments.

[B]

Yes, oh, definitely making minimum payments.

[A]

Oh, you were making it sound like you were. Okay, okay. What's your question then?

[B]

So we were at a place where we were spending on the credit card and then paying it off every month.

[A]

I got that one. Yes, I got that part.

[B]

So if I'm looking at purchases, let's say it's $1,500 of purchases that I made that month.

[A]

Well, why the are you doing that?

[B]

Well, just as the example for now.

[A]

Should it be you're broke, you're dying in debt.

[B]

But if I'm paying 40. But if I'm paying it off, not quite 40 yet, give me a couple more years, then I'll be 41.

[A]

You're basically 42. You're not paying off your debt.

[B]

So anyway.

[A]

Okay, so I don't understand why this example exists then. This is not based in reality.

[B]

Well, I'm just as far as calculating the amount spent in a month. So I spent $1,500 on a credit card, but then I made a $1,500 payment. Does that count as $3,000 worth of spending? No, that was my question.

[A]

So it clearly indicates you're even more than you think.

[B]

Well, yes.

[A]

No, it's net.

[B]

Okay.

[A]

It's not.

[B]

I was. I was always wondering.

[A]

It's net in versus net out. It always is.

[B]

I'm definitely.

[A]

That's how the spending is.

[B]

Okay.

[A]

And your NET out is $15,970.33 of death, of insanity, of you, of chaos. What is the husband who's too much of a think about all this? Does he even know anything about this?

[B]

He does.

[A]

And his thoughts.

[B]

So I handle all the finances.

[A]

Okay, so little cuck husband, he's cucking in more ways than other. He's sitting in his Cuck chair right now at home while his wife is here speaking on the finances for the house. Although I know he's a cuck.

[B]

He just started a new job so he can't take time off. But anyway.

[A]

Oh, you could have said that at the beginning.

[B]

Well, I'm saying it now.

[A]

Yeah, but you started with. Because he's a.

[B]

Well, anyway. So where was I going with this?

[A]

I don't know.

[B]

We were talking about him and what he knows. He knows about it. I handle finances.

[A]

He knows about it. What does.

[B]

He knows how much debt we're in.

[A]

Okay, well, you were even off on your debt, so.

[B]

I know the debt. I know all.

[A]

You're off by 10,000.

[B]

Nah, 10,000. In the grand scheme of all substantial amount of money.

[A]

You're right. You're in an insane amount of debt.

[B]

But I have a plan.

[A]

Well, of which we have not been able to hear. I mean, I heard some consolidations might be happening.

[B]

Yes, like.

[A]

Oh, that can be good or bad depending on. I mean, your spending is obviously outrageous. So it would be bad. I think if you did consolidation right now, it would be bad.

[B]

Well, yeah, that's why it's not planned until.

[A]

Again, what is your plan, lady?

[B]

Like I said, there's two rounds of consolidations that are going to happen.

[A]

If you do a round today that.

[B]

It wouldn't make sense.

[A]

Okay, so what's your plan then? Timeline details, please. Anything? I can't have an educated conversation if I don't know what the we're talking about.

[B]

So there's a chunk of the debt that will consolidate in July. No, we'll be refining now.

[A]

Why are you doing that in July?

[B]

Because there's some things that are coming.

[A]

Why do.

[B]

At that time again, Are we gonna go through it or do you.

[A]

Oh, my. I'm just trying to get a general timeline in the reasons why.

[B]

There's a couple credit cards. One or two. One.

[A]

What the. He broke two ribs this morning.

[B]

Yeah. I love my husband very much. He's my best friend, but he's. He's not. He is accident prone. He. He cooked for a living for a long time.

[A]

So that means he falls and breaks two ribs.

[B]

He's gotten hurt at work.

[A]

How old is this man?

[B]

46, eight years.

[A]

Well, that's fine. I'm not talking about the age gap. You're. You're. I think you're 38. I think that's okay. Yeah, I don't think I'm. I don't think Twitter's gonna cancel him for that. No, they probably Will not on Twitter.

[B]

I'm barely on anything.

[A]

Can you gu. Can he? If he's doing all this manual labor, how is he going to be able to do this with two broken ribs? How are you guys going to be able to afford bills in any way whatsoever? You. You said your plan relied on nothing crazy happening. You literally just broke ribs this morning.

[B]

Correct.

[A]

So what the are you talking about? That's not a plan. That's you setting yourself up for failure.

[B]

That's why part of the plan.

[A]

Oh plan. And one of my goals. Unknown plan this plan that we' seen.

[B]

5% of to save up at least a $5,000 emergency fund by the end of 2026.

[A]

End of next year. He just broke his ribs today. You. You think nothing's happening by the end of next year? In 13 months. In 13 months. Breaking ribs. Things always happen. You call him accidentally prone.

[B]

I did not call him.

[A]

I said that. I will have AI say it for you. You. You said it accident prone.

[B]

Yes.

[A]

Words happen. Who knows what anyone says? Who knows what anyone says?

[B]

Time from time winded it. We see that. I didn't say it. You did.

[A]

Editor. Have AI have her say it. Clearly he's just showing that things happen and he can. I guess I'm being told that they can just let him go in 90 days in his state for any reason whatsoever. Whatsoever.

[B]

I am a little.

[A]

And I would consider that a relative. So you have concern and you're not gonna put. We're not gonna do any kind of sacrifices in order to get any kind of emergency fund end of next year?

[B]

Well, that's what I'm trying to figure out exactly what the sacrifices are that we need to make.

[A]

Okay. Don't go out to eat. You spent hundreds of dollars going out to eat.

[B]

I'd be interested. I'm interested to see one.

[A]

Okay, those numbers, here they are. Springsteen Deliver me from Nowhere is now streaming on Hulu and Hulu on Disney plus Trying to find something real in all the noise you always do. The artist, you know the story. You don't see Golden Globes nominee Jeremy Allen White as Bruce Springsteen. Critics are saying it's a career defining performance. Let's burn this place down. Johnny Springsteen Deliver Me from nowhere now streaming on Hulu and Hulu on Disney plus in these bullshit alone. Other things you don't need. It could be video games. It could be hot comic books. I don't know what the it is right now it is $1,612.26. Well, I know a lot minimum on bullshit was $2,150.00. Minimum, minimum, minimum, minimum, minimum. You want to know how to sacrifice? I mean, right there, listen, that gets you. That gets you to that $5,000 emergency fund in approximately two months just by cutting back on that. So you say he knows, but does he not want to participate? So you run the finances, yet you it. Shouldn't he be involved then? Shouldn't there be?

[B]

I wouldn't say that. I'm it.

[A]

How not? You run the finances, and yet this is where we're are. We are. So you're the captain.

[B]

I would say that he would agree with me in saying that if it was up to him, there would be no plan at all.

[A]

What? No. What does that even mean?

[B]

If finances were left to him, there would be no plan at all. And I love my husband. He's very smart. He's. He's my best friend, but very smart. Yeah, sounds like he's not super detail oriented and he. I feel like you don't have to.

[A]

Be detail oriented to use a budgeting app. Like dollar wise. It's so simple. It just does it for you.

[B]

Do we want to talk about that right now?

[A]

So why don't you guys use the budgeting app? It's so easy if he's struggling at detail oriented crap.

[B]

Well, I want to use the budgeting app, but it's not working the way that I want it.

[A]

Why aren't you using a budgeting app was the question.

[B]

Well, he just recently got an iPhone, so I finally got him over to the right side. So I do want to use the budgeting app, and that was one of.

[A]

Why don't you.

[B]

Because I haven't found one.

[A]

He doesn't need. He doesn't need a iPhone to use a budgeting app. Was he using a flip phone?

[B]

No.

[A]

Then what the are you talking about? Google Play Store, Apple Store, they have the same things. If one makes one for one, they have it for the other.

[B]

He's not very technological, so he's.

[A]

They cannot call him smart. And I'm sorry, he can't download an app. What are you talking about? He falls and breaks his ribs every three days. What are you talking about?

[B]

He's going to have a field day with this.

[A]

Well, listen, this kind of comes on you.

[B]

We kind of. We, you know, we're.

[A]

We're.

[B]

He's good in ways that I'm not good and vice versa. So what are you good.

[A]

And your finances are a complete disaster. Where's your good? Where's your good? Tell me your good.

[B]

I Don't see good. I at least have a understanding of what the situation is.

[A]

Why aren't you using a budgeting app?

[B]

Because I haven't found one that I like that works properly.

[A]

Works properly. Then you don't know what the you're looking for. Cause it's not up to you. It's not up to how you want it to look to tell you what you want to see. It tells you what you need to know. You categorize things. It does it automated. Boom. You're good. You're chilling.

[B]

Is.

[A]

Isn't there to baby you. It isn't there to give you what you want to hear. Listen, the Ramsey one, it's a little too strict in his worldview. Okay. You need a budget. Too complicated onboarding process. But all these, if you use them, they will at least work like all these dollar wise Monarch. Any of the ones, they will give you what you need to know. It's automated. If. But you just want to see what you want to see. Millions of people use these. Millions tens of thousands use hours. Millions of people use all the budgeting apps altogether.

[B]

I want to use.

[A]

You're not a broken person. Well, okay, great. Then do. Listen. You are. You have the ability to actually make use of tools. Yes, but if you aren't seeing what you want to see, that's not the platform's fault. That's you needing to actually follow plans.

[B]

Well, then I need. I need somebody to help me with it.

[A]

The fact that you guys are incapable of doing anything is no longer anyone else's fault.

[B]

I wouldn't say that we're incapable.

[A]

Okay, where the. Where's any semblance of capability? Because again, you're running the household finances. It's a disaster.

[B]

It's an organized disaster.

[A]

Where's the organization?

[B]

I have a spreadsheet.

[A]

Spreadsheets don't matter if you don't do anything based on it.

[B]

I do do stuff based on.

[A]

What do you do?

[B]

Because this is where the plan came from.

[A]

Oh, it's a plan that you can't even talk about.

[B]

I'm happy to talk about the plan 20 minutes in.

[A]

I've tried to get you to talk about it a couple times.

[B]

When you keep interrupting me.

[A]

Dude, you said a consolidation's coming in July, correct? 5,000 hours by the end of next year. Yes, that's it. Well, we already know that plan is.

[B]

That's the first step of the plan. The second step.

[A]

I'm giving you the platform to talk about your plan.

[B]

Okay, so there's a set of debts that will get. The plan is to consolidate them in July.

[A]

We've already heard this one.

[B]

Got it.

[A]

I was really hoping you'd give more.

[B]

New information in the beginning of 2027. That consolidation and then another set of debts will get consolidated again.

[A]

Why? What's the logic behind the plan? Well, especially when you guys can't control your spending. You spend $2100 on bullshit minimum last month. Why would that con. How would. Why would we consolidate? Because you're just going to rack up the debt again. I already have examples of here. Colton has said that. I mean, yeah, you pay. You've paid off a credit card and then racked it all the way back up again like you've done that. You obviously show that you can't manage spending to save your life. So why the. Could a consolidation be something we're even considering? You just need to ground down debt, pay, close off your accounts. Close your accounts. You can't manage shit to save your life. You're not a credit card person. Why is your plan setting yourself up for failure in two ways? One, not prepared for an emergency. Two, just consolidating your debt, which is going to lead you with double the debt in the end. Well, you're consolidating your consolidated debt. Why are you even doing that? What's the logic behind that for you? For you.

[B]

Because there are certain debts that you'll see that that is the only option to do. What the.

[A]

Okay, 2020. Like, you know what you're doing. The banker lady. You know what you're doing. So what the. What are we talking about?

[B]

So I watch your show.

[A]

Thank you.

[B]

Yes. And there are a lot of times where I feel like you shut people down.

[A]

Where I'm in a financial audit.

[B]

I understand. That's why I'm here. Oh, I said it. So it's one thing to look at a situation from the outside.

[A]

From the numbers.

[B]

Correct.

[A]

Strictly the numbers. Which is.

[B]

But as far as. And I'm totally on board with budgeting. I know we have enough money.

[A]

Let's get to the point.

[B]

I know we have enough money after we pay our bills to budget for.

[A]

Those, which is why we spend more.

[B]

Than we made those categories. But when you're in the day to day.

[A]

Oh, like everyone is.

[B]

Like, everyone is very scary.

[A]

Day to day.

[B]

Yes. When, you know, I can say I have budgeted $750 a month for groceries or wherever it might be, but if I get a $1600 paycheck and I got to pay my $1500 mortgage out of it. And then I got to pay a $50 electric bill or whatever it is, and then I only have 50 bucks left. How am I supposed to spend money on groceries? So without a question.

[A]

Question for me. We already know your husband is. But are you.

[B]

I am not.

[A]

Then why the could you even bring up that point if you spent $2150 on bullshit. That is what's you. I don't want to hear it. You guys bring in $6,250. Well, soon to be about $3,250 because he's definitely going to lose his job because he can't do any manual labor, because he falls and breaks his things every single day of his life because he can't stand up without breaking. And he can't download apps and requires an iPhone in order to be able to do that because the Google Play store is so hard. Yeah. Complicated individual.

[B]

We have different strengths. Right?

[A]

That's. That's. No, no. We're not coping with things that.

[B]

He's really strong at that.

[A]

It's downloading a app. Dude. That's not. We can't excuse that. We can't excuse that he's a little bit older. 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 change 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 signer release program so your mom and dad can step off the hook. Why Refi 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 yrefy.com hammer or call 800-80-8973-3978.

[B]

This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed sponsored jobs to find the right people with the right skills fast. It's a simple way to make sure your listing is the first candidate. C. According to Indeed data, sponsored jobs have four times more applicants than non sponsored jobs. So go build your dream team today with Indeed. Get a $75 sponsored job credit@ Indeed.com podcast. Terms and conditions apply.

[A]

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. Free money? 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. Get that 350 right now in your checking account. My 80 year old grandpa is downloading apps. This is do not cope your way out of this. I. I don't. I'm sure you love them. You do not need to cope your way out of this. But how the can you sit here, talk about the money's coming in and worrying about paying your mortgage, worrying about paying groceries when you spend $2150? I'm bullshit. Last one. That's not shutting people down. That's you having a horrible take. Coping to the extreme and not being able to recognize that clearly the issues that you are dealing with is because you can't stop spending money on bullshit.

[B]

Well, I'm interested to see what the bullshit is. I know what a good chunk of the bullshit is.

[A]

What?

[B]

And I hate to put it on him because I am also responsible.

[A]

Okay, then don't put it on him.

[B]

I don't know, but he has a habit of gas station spending.

[A]

Huh. So like stop it in and get.

[B]

Into times a day.

[A]

What does he get? Several times a day? What the is he getting?

[B]

We live right down the street from a gas station.

[A]

Why is this guy such a little.

[B]

Oh, he's. Oh, he's. He's gonna be mad at me.

[A]

Why? For saying what he spends money on when we're going through the finances. Because he can't handle being called on a shit. He's holding back his household. Do you guys have kids?

[B]

No, but we want to.

[A]

Good. The luck. He's holding back his household. He's stopping at the gas station.

[B]

I'm talking about himself. I mean, I'm definitely part of it too.

[A]

Sure. He's stopping at the gas station multiple times a day to get some bullshit that's he's not willing to be called out on it. Pussy. Bitch. Cuck. For real. For real. What is he getting? What is he getting?

[B]

Cigarettes.

[A]

Okay, yeah, go ahead and kill yourself. Not, not like suicide, but like he's giving himself cancer. Why? Why does he want that?

[B]

That's a constant.

[A]

Yeah.

[B]

Argument.

[A]

I wouldn't be with him. That's disgusting. How do you even manage to keep your nose open when you're near him?

[B]

It's not, he doesn't, he doesn't smoke quite as much as he used to.

[A]

But how many packs a week?

[B]

A week? Maybe one every two days. He's definitely not a pack a day.

[A]

Gross. Disgusting. He smells like he is gonna die young. Okay. And snacks. Energy drinks.

[B]

No, not energy drinks. Bottles of water, which really drives me nuts. I'm like, why are you buying a bottle of water?

[A]

I told I, I, he is.

[B]

Oh my God, it's gonna be so mad.

[A]

Why? Why is he gonna be mad at you? This is literally why he didn't think this would be coming.

[B]

I just won't let him watch it.

[A]

Right. So he is a true. He really is.

[B]

You would know what that means. I don't even know what that means. Maybe I'm too old.

[A]

Listen, when Colton was on the phone with you doing the onboarding and everything, he got mad because he couldn't buy lunch because he didn't have a credit card and they were all overdrawing. You guys were overdrawn on your bank account while you were doing the onboarding for Financial Auto. Why the are you with this guy? This piece of shit, this loser Smoking in his fucking 50s.

[B]

He's not 50 yet.

[A]

Smoking in his 40s. Going. Getting bottles of water at the gas station every day instead of buying a bunch or just getting a dirt. Loser.

[B]

That does drive.

[A]

Degenerate. Nasty. Nasty ass. Stinky.

[B]

He's my best friend. I love him very much.

[A]

Enjoy him while you got him. I, I know won't be there for long.

[B]

I remind him. I remind him every day.

[A]

And he really cares about life. That's someone who I want to be with for the rest of my life.

[B]

We've been together for a long time.

[A]

How long?

[B]

15 years.

[A]

And what's your participation in this?

[B]

My spending?

[A]

Well, you say you go to the gas station to get some.

[B]

No, I don't go to the gas station. I don't even know real. And that's what I'm interested to see because.

[A]

Well, you said. You said blame's on him, but it's also on me.

[B]

I buy lunch. I work downtown. Thought easier, obviously. Just go.

[A]

Yes, downtown makes it hard to pack lunches.

[B]

Yeah, I'm really. I don't.

[A]

I'm struggling on that one.

[B]

I mean, I.

[A]

Downtown means you're closer to food options.

[B]

Let's go back to the scenario with the paycheck and having only 50 bucks you're spending that.

[A]

You having 50 bucks is not included in your hypothetical for some reason. Yes, Please tell me.

[B]

Well, when I get to that point and I only have 50 bucks left.

[A]

Because you spend $2150 on bullshit. Yes, go ahead.

[B]

What am I supposed to do, though, if I need to get.

[A]

Not spend money on bullshit and get groceries and stuff.

[B]

You wouldn't be in that situation. Once you're in that situation.

[A]

You wouldn't be in that situation because you follow the show.

[B]

Listen.

[A]

No, your situation. No, your situation's moronic. Your situation's moronic because it'll never happen again. By the end of this, by the time you leave the show, unless he's not on board, unless you're just gonna be a degenerate after this. It'll never be a situation you have to deal with because you're actually gonna be a responsible adult for the first time in your damn life.

[B]

Well, let's see it then.

[A]

Let's see. What? You doing that? Yeah, let's see it. I hope so. What do you mean, let's see it? Of course. Come back on and show me that it happens. What do you mean, let's see it? That's what I want to say.

[B]

Me too.

[A]

Dude. What the. What are you talking about? Why would we do that? Hypothetical. That shouldn't be happening in the first place because you're hypothetical. Hypothetical is moronic. It's based on degeneracy of insanity.

[B]

In the perfect world, that shouldn't happen.

[A]

Perfect world, you are choosing to spend $2,150 in a single month on full. Let's see, gas stations multiple times a day. Unless he doesn't give a. About the household. Does he not give. About the household? Does he not give a shit because he's doing it multiple times today? Does he not give a shit? If he's not giving a shit, then he's doing what he's doing.

[B]

I. I would like to think he gives a shit.

[A]

Well, clearly not if he's going multiple times a day getting bottles of water. Doesn't even have a British home, uses Faucet. Uses faucet. Bulk buy. Bulk buy grocery store a couple bucks. Bulk buy water bottles. The is he doing? Get a big thing. Get a thing, put it in a water bottle. Easy. He clearly doesn't give a shit. Degenerate. Stinky.

[B]

He's not gonna like that.

[A]

What he likes? I want you guys to have a better life. Why the would I care? Why? Why would I give a shit what he likes? I like you guys being able to pay your bills. And I have the hypothetical where it's like, oh, I gotta get groceries, but I only have $50. That hypothetical only exists because he doesn't give a shit about the household. The hypothetical only exists because you go and you blow money. Bullshit. You can't pack a lunch because you work. Oh, downtown. Why? Okay. I mean, you grow up. You grew up spoiled. That's what I have as a note. So clearly I think that is actually what is happening. You grew up spoiled. You're not willing to change your lifestyle at all. No matter what happens, including him breaking a rib, losing a job. You're a spoiled brat and you're not willing to cut back on anything. And then when it comes time where it's like I can't afford groceries because I blow my money on things that I wanted and was fun and was entitled to, now I'm a whiny little victim because I don't have enough money for groceries. You're going to be on theing just like New York Times article. Oh, people can't afford groceries in Pittsburgh. And then they don't go into detail that they spend $2,150 on you. Well, I'm spoiled.

[B]

I was. I always say I was spoiled, but not spoiled rotten. As the only. I'm an only child. I was spoiled, but not spoiled rotten.

[A]

Go on, make that mean something to any of us.

[B]

Well, I wasn't like a brat. I was just.

[A]

You're still saying nothing.

[B]

Well, maybe you're just not listening.

[A]

No.

[B]

So, yeah, I mean, I grew up very. You know, I was taken care of and I got things that I wanted. But you guys were wealthy.

[A]

No. Yeah, you guys. Because anyone who talks like that grew up wealthy. Teacher anyone?

[B]

We weren't wealthy.

[A]

Okay. And what was dad?

[B]

Dad was a truck driver.

[A]

Truck drivers make good money and teachers can make good money depending on what they're doing.

[B]

He wasn't like an overwrote the road. He was like a local delivery truck driver. I mean, they worked really hard and I'm, you know, but okay, square footage.

[A]

In rooms and baths of your childhood house.

[B]

Oh, I couldn't tell you. Square footage. Rooms and baths, three bedrooms, one bathroom.

[A]

Okay. Oh, middle class. Solid, middle class house. Okay. And you couldn't manage to not live in the lifestyle that you wanted and grew up with, though. And you're just living it now and allowing yourselves to go further and further into debt. You and your husband have how many years?

[B]

Married for seven as of yesterday. Happy anniversary. Together for 15.

[A]

Okay. And we want to have kids.

[B]

Yes. And we'll probably end up with your agent. No.

[A]

Yes. No.

[B]

If it doesn't happen by the time I'm 40, I'm not gonna.

[A]

This is literally two years.

[B]

I understand. That's two years.

[A]

So you're seeing throughout this entire process where you're only getting $5,000 saved for an emergency by end of next year. That is halfway through our child attempting years. Wait, what the. So you're bringing a child into this disaster? Your. Your plan. Your plan that has no. No room for any wiggle room. No room for anything bad happening. And you're bringing a kid in. You know, there are complications that happen all the time when it comes to baby leaving body.

[B]

Yes. Especially when you get older.

[A]

Yes, you are old.

[B]

It's called a geriatric pregnancy.

[A]

Yes.

[B]

Dusty, I'm not old. I'm just seasoned.

[A]

That seasoning is actually dust.

[B]

I don't know. My husband likes seasoning.

[A]

To him, you are still young because the dude is nearing retirement.

[B]

I don't think either of us are gonna be able to retire.

[A]

I agree, but you will be dying on the Walmart floor, Unfortunately. He will be 55 doing that with lung cancer.

[B]

Maybe Target instead of Walmart. But what were we talking about?

[A]

Kids.

[B]

Kids.

[A]

You're setting yourself up for complete failure and you want to bring in a kid during that process. That's a joke. That's horrendous.

[B]

Well, that's why I want to get a handle on. What the.

[A]

No, but your plan specifically. Your plan specifically leads to only $5,000 in savings. We gotta start somewhere by the end of year. Yeah, but only by the end of year. One of the two years of trying to make a kid.

[B]

Well, we're trying to make a kid for.

[A]

Oh, what is this? Not wrong or your eggs are broken? Which one?

[B]

Neither. I think it's just timing.

[A]

Do you not know how to time ovulation?

[B]

I don't know. Just doesn't.

[A]

My girlfriend knows when she's ovulating. Do you?

[B]

It's not always that simple.

[A]

You don't track it in an app?

[B]

No.

[A]

I do. I know we struggle at downloading apps in this house.

[B]

No, I do have an app.

[A]

Or it probably doesn't work the way she wants.

[B]

I do like the app that I have. It actually works pretty well. But, you know, things happen.

[A]

Why don't you guys just. I don't know.

[B]

Well, you said we're old, right? That makes it a little bit more difficult to.

[A]

Who? Which one?

[B]

In general.

[A]

Dudes be like 90.

[B]

Medication.

[A]

Okay, well, okay. Have a kid or don't. I don't know. But. But anyway, it sounds like. I mean, how long have you been trying?

[B]

Five years.

[A]

Okay. And you're calling it quits in two?

[B]

Well, it gets hard.

[A]

Not gonna go the medical route, ivf, anything like that.

[B]

It's expensive, but very expensive.

[A]

But I want people who want to have kids. To have kids? Yeah, I want you guys to have kids. It's. It's very, you know, we need to incur. We have a declining birthing population. Like, even. Even if you were. No, no. Not if you're a horrible person, but you're not a horrible person.

[B]

That is a statistic I'd be interested in reading about. In the declining birth rate. Because I don't know if I believe that necessarily. I believe it, but I'm interested in. I'm.

[A]

Yeah, I'm glad you're interested. I'm thrilled in that. We're all very curious about your. Interested. We're all interested in your. What you're interested in. The thing is, you obviously net our accountant, who knows more than you, banking lady went through your finances and net out was double of net in.

[B]

I want to see that breakdown.

[A]

Great. I know what you want. We already know that. We already know that. And we're all very thrilled that you want to see it. And that's what this show's about. That's why we're going to go into the finances next.

[B]

Sounds good.

[A]

Okay. What do you do?

[B]

I do also have an accounting degree, by the way.

[A]

Okay, I get why the are you not using it.

[B]

You end up where you end up.

[A]

You end up where you end up. You could just. In your own finances, you.

[B]

Oh, I am.

[A]

No, you're not.

[B]

I'm aware of the situation.

[A]

You're off by $10,000 of your debt. You didn't know how much was your net out? No. You're not aware of your situation?

[B]

15,000 sounds crazy to me. I don't see how that is possible.

[A]

Why do you think you're on this show?

[B]

Because I need help.

[A]

A lot of people who need help. You're an actual interesting case because out was 15,500 or whatever.

[B]

Well, let's see what it was.

[A]

Oh my gosh. Great. Incredible conversation. Okay, what do you think your financial score is?

[B]

0.

[A]

10. 0 being the worst, 10 being the best.

[B]

Well, that's another thing that I find interesting. I would say based on how you do it on the show, 2.5.

[A]

Ladies and gentlemen, if you want your hammer financial score, get it. Just answer the questions objectively and not like a dumb and you'll get that [e-mail] it's free. Just takes a few minutes. See where you stand in the world of money where you need to improve your finances, where you're already doing well and what you need to do to improve. And if you want to improve and not be like a guest who ends up on the show, unlike her and the guy who can't download apps and all this crazy stuff, just download Dollarwise link is right there in the description. Take the free trial to see if you like it. And if you do, you can sign up for the annual version because it saves you a lot of money. And when you do, only for the next couple couple months, I will personally sign my budget friendly cookbook and mail it directly to you. After a couple months, it's gone forever. Be found anywhere else Dollarwise app. All those links are in the description below. Let's get into these finances of this 6.5 er apparently.

[B]

And there's also some typos in the financial score.

[A]

Well, that might be true because I.

[B]

Am but apparently you're not the only one.

[A]

I know I'm looking at you. Slight edge. What's going on with this?

[B]

Most of these I've had forever and have just sat with nothing on them. But that one.

[A]

Well, this one has purchases of $7,579.92.

[B]

So that one kicks off one of the.

[A]

Well guys, we don't purchase anymore. A part of our plan is we don't purchase anymore in our cars.

[B]

That one kicks. That one kicks off one of the series of unfortunate events that happened in 2025.

[A]

That's this year, correct? You would just say this year, but okay, I guess. Pittsburgh, edge of the rust belt. They got rust in the water. Everyone, their brains are melting. What happened? Series of unfortunate events.

[B]

There was a number of house related emergencies that happened this year that have resulted in me having to come up with this plan.

[A]

This is the part of the conversation where I'm waiting to hear what happened to your house.

[B]

I wanted to touch on that is the furnace and the air conditioning.

[A]

Okay, that happens. You need a furnace, especially air conditioning. When was this?

[B]

So it was August that the AC went out.

[A]

Yeah. That's rough.

[B]

They came. We have a home warranty that we.

[A]

Had to transfer and previous balance transfers in the past, to be very clear.

[B]

Correct. So that a portion of that is balance transfer have just been rotating. Yeah.

[A]

It's maxed out.

[B]

Correct.

[A]

To the dollar.

[B]

Correct.

[A]

Oh, for sake. Hey, how long does this take to pay off? If you do minimum payments only without purchasing anything which you're incapable of.

[B]

I think that one's 12.

[A]

Her accounting degree has really paid off. It's 23.

[B]

Oh, one of them is 12. I can't remember well, but it's 0%.

[A]

23.

[B]

That one is 0% till January of 27.

[A]

Huh? Which is. Well, is it. First of all, is it being accumulated? Because there's your balance transfer fee? Because we had a balance transfer.

[B]

Correct.

[A]

So 80 AI is incredible. It can teach you how to fry an egg and even write a poem pirate style, but it knows nothing about your work. Slackbot is different. It doesn't just know the facts. It knows your schedule. It can turn a brainstorm into a brief. And it doesn't need to be taught because Slackbot isn't just another AI. It's AI that knows your work as well as. As you do. Visit slack.com meetslackbot to learn more. The $8.33 a fee. So you likely paid like 10, 12, 15% on it, and this will kick into like a 30% interest rate, essentially. And yeah, okay, but it's not accumulating. But that still doesn't mean that this balance ain't chunky and it's about to start accruing an insane amount of interest in about 13 months.

[B]

But it won't, because it's part of the second round of consolidation.

[A]

Yeah. If your master plan that has absolutely no wiggle room for anything to go wrong succeeds, which I do not believe for a single moment that it will because you do not take account anything happening in life when literally. He just broke ribs today. Do you not remember that?

[B]

I do. But today, is it. Is it better to just not have a plan then?

[A]

That's not what I'm saying. I'm saying your plan's broken. I'm saying your plan.

[B]

Then let's. Let's figure out.

[A]

Oh, my God. Shut the up. That's your only response? Yes, obviously, that is what we're gonna do. You do not have to announce that every time we're having this. I'm obviously. Oh, my gosh, she is so annoying. I'm just calling out that it is very clear when you say Lady Kayla, I have to let you know that you might in fact be a moron, because I'm a lady. It is very clear. What I wouldn't bring up that your plan is flawed so that you can hit me with the. Well, that's like a plan, man. Obviously, I'm not hitting you with that if you don't set up something absolutely ridiculously moronic for me to say that. Why did I say it? Because I said interest is going to start immensely in 13 months. And you said, well, that's why the second round of consolidation's coming. That's your plan, right? So obviously I'm going to call out to your plan, dumbass. You don't have to sit here and tell me, well, let's make a new plan then, when, obviously I'm responding to you thinking your perfect plan is going to happen before interest rate hits, you moron. Oh, my. You now know why I said it. I don't need to hear the let's make a better one. Then. We know we're gonna do it. We know what show we're on.

[B]

Okay, moving on.

[A]

Oh, great. Yeah, you direct the conversation.

[B]

Somebody has to.

[A]

Instead of you taking any semblance of understanding what I am trying to say.

[B]

When I'm aware of the Planet slot.

[A]

No, you. You don't understand why I pushed back on it because you said you essentially deflected the reality of this balance. You deflected the reality of this balance by saying your second round of consolidations are going to happen in that 13 months. That is not an appropriate deflection because it is not a reality, because your plan is flawed and built for failure. So you can't. You can't have both. You cannot have. This is not a concern because this is going to happen to the plan and, oh, I know the plan's broken. Let's just have a better plan. You can't have both at the same time yet in your perfect mind, because you won't.

[B]

You.

[A]

I think. I think you live life in a way where, if there is, especially because you've had no struggle, especially on your grow up, you've had no real struggle. If there's anything slightly uncomfortable, you just accept what is the easiest thing to latch onto so you don't have to face any level of discomfort. I think that is how you live your life, and that is why you cope, and you immediately go to whatever response gets you there, whether it is this option or this option, even though they cannot exist in at the same time. So I don't want to hear it.

[B]

Okay.

[A]

City simplicity card. What is this?

[B]

So, speaking of my husband. Oh yeah, Stinky fella.

[A]

Cancer.

[B]

He fell at work in April.

[A]

I don't want to laugh about someone's.

[B]

Injury, but turned out to be a broken leg.

[A]

Can I see what this man looks like? He will not be in the video. I just need to see this. He must be breaking, right? Like pieces of his body must be falling off.

[B]

He's about 64170. So he's tall and tall and. And not.

[A]

He has to be. There's no way there's a.

[B]

That's a wedding picture. That's a good one.

[A]

What the.

[B]

That's his G. I call that his gq.

[A]

He's breaking. How is he? The dude just looks like a normal ass dude. What is that? Why is he falling? Is he drunk every day?

[B]

No, I think he has a little bit of vertigo that I don't think.

[A]

He wants to address.

[B]

A man who doesn't want to go to the doctor.

[A]

If I had vertigo, I would be miserable every day and want to go to the doctor.

[B]

No. So he fell at work.

[A]

Okay.

[B]

Turned out to be a broken leg because he fell. He fell at work and he broke his leg.

[A]

Did he fall off something?

[B]

No, he slipped. He was working in the deli at a. Like a. It's like a Sam's Club, but it's not Tam club. Not a Costco. He slipped and broke his leg. So he was out of work and on workers comp until September.

[A]

Good. And then he just fell and broke his ribs today.

[B]

Yes.

[A]

Is your credit cards good? Yeah, they are.

[B]

Your family hated it.

[A]

In the post show, you did reveal that you were still receiving money from a client from your stripping days. Are you still receiving money from him?

[B]

I'm a very patient person.

[A]

My mom is disabled. I have been taught patience. Hey, my family hated it.

[B]

Should we get into that?

[A]

I would love for you to just use your words and not shut down to the point to where I do. Yo said that I would pay for the gun that we bought on your card.

[B]

So are you safe?

[A]

Pixie? Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that 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 prov this accidentally Via a blind taste test in our Hammer Elite show. Fat and fatter. The number one ranked energy drink is Game Sauce. 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. How did he fall today?

[B]

Cat apparently tripped over the cat.

[A]

How is he breaking things when he falls?

[B]

I don't know.

[A]

I mean, I'm kind of clumsy, but I don't break. Yeah, I'm fat.

[B]

You're not really. You look less fat in person.

[A]

Please. Yes, everyone says that, but that is true. You are very. But I am.

[B]

You are still very handsome.

[A]

I am. So. Okay, let's not. Let's not. I know you're trying to find a man who doesn't break things every second.

[B]

Of his life, but I'll stick with him. When I got.

[A]

Yeah, the cancer patient. Yeah.

[B]

But anyway.

[A]

Yeah, so he was on future cancer.

[B]

Patient workers comp from April through September and before that we were, like I said, we were consistently using and paying off credit cards every month until last year.

[A]

All this only happened in a year. What is wrong with you guys? This is horrendous. This is a fat stack of paperwork.

[B]

We'll talk about more things that happen with the house because that's kind of led me to.

[A]

Okay, so what? What, what?

[B]

So that one was to fill in the gap for what he wasn't making between.

[A]

Why isn't he filling in your gap more so we can have a kid before 30? Huh?

[B]

You know, so that one. And what gets dangerous. And I'm well aware of it. Citi has two different things. They have flex loans, which are low interest options to go on the credit card. So there was one of that, but that's been paid off. And then when they offer a balance transfer.

[A]

Oh, this is.

[B]

Balance transfer can actually be used as.

[A]

Yeah, I have $162 in fees this year, so I almost 200 in interest.

[B]

I think there were two times where I did a balance transfer. But instead of it being a balance transfer, it was just a direct.

[A]

This is. I'm worried about your consolidations. You are not a solve person kind of thing. You are a kick the can down the road thing. That's what it's like. And you want to bring a kid into conversation where eventually that can comes to a hold and you got to get like a payday loan or you got to get something like horrible because it stops at some point.

[B]

What's your credit Right now it's shit.

[A]

Well, there we go. It will stop sooner than you believe then.

[B]

And that's why I haven't closed any credit cards or anything.

[A]

Yeah, but they're all max. Anyway, it's not like you're benefiting in anything. Like you're. You're well above the 33% on.

[B]

Well, I hate. I know you hate hearing about the plan, but I haven't closed any cards.

[A]

Because if you've acknowledged your plan's broken, then why do I want to hear about the plan?

[B]

I don't think it's completely.

[A]

Oh for sake girl. You've never accomplished anything. You've only kicked the can down the road.

[B]

I have some good accomplishments in there.

[A]

No, you'll see. And your plan is just to kick it down even further. So what are we talking about? That doesn't make any sense. How can you. Why are you still talking about this thing? And why the are you here if your grand plan is perfect and all?

[B]

Great, because I need help with the day to day budgeting portion.

[A]

You. Why am I going to selectively help with your bullshit that's going to lead you to a worse spot in general?

[B]

Because I feel like I can keep up with you. But because.

[A]

Bullshit. First of all, a lot of people are successful. But also number two, why do I want to see you fail? I don't want to see you fail.

[B]

Well, that's nice of you.

[A]

Well, yeah, I'm a. But I'm not like evil.

[B]

Some people would probably disagree, but.

[A]

Well, they don't know. They don't know my wants. They don't know what we're trying to do. Like I want to see you do well, but setting you up on a plan, that is a flawed plan, that's going to hurt you. That doesn't make any sense. Why would I accept that?

[B]

Well, that's why I brought my plan to you.

[A]

Well, no shit, I know that. But you keep bringing it up as a reason why I don't. I shouldn't be worried about this card.

[B]

No, I'm worried about it too.

[A]

But you bring it up as the get out. You deflect every time we talk about a debt with. While the plan.

[B]

Well, that's all I have. That's all I have to keep me.

[A]

Exactly. And that's what it is. You cope. You cope endlessly. You look for an escape to feel any. To get away from any semblance of being uncomfortable. That is what you do. That is what you've always done. And that's why you are where you are now. That's why you kick the can down the road. Because that feels like an accomplishment. Because it feels like you've done something instead of you actually buckling down and taking care of shit and having a tough conversation with Mr. Stinky Loser.

[B]

That's why I have to have a conversation with them and not you.

[A]

Because Cigarette. Breathe.

[B]

He would be out of this room already.

[A]

No. Falling.

[B]

Falling, yes.

[A]

Endlessly.

[B]

Yes.

[A]

Did I mention stinky?

[B]

Well, sometimes, yeah.

[A]

No shit. He smokes a half a pack a day. Nasty.

[B]

Stinky. Yeah.

[A]

Horrendous. Ew. Get away. Vomit. Handsome.

[B]

Sweet. Kind.

[A]

Well, not kind enough to change his behavior for the benefit of the household.

[B]

Well, hopefully this will open his eyes a little bit.

[A]

Doubt it. You said he's not gonna watch it. Cause he's a little cock.

[B]

No, he's definitely not gonna watch it.

[A]

Hey, why would this open his eyes a little? Dude. Dude keeps his eyes closed when he's walking around all day. That's why he's breaking shit.

[B]

Well, if I can come back with a upgraded plan.

[A]

Why would he listen to you, though? Because why would he trust me? No, no. Why would he trust you, though? You're a complete failure. Look at this.

[B]

Oh, look at you.

[A]

No, you're a failure. Look at this. You're a failure based on what you've done. Now listen, you weren't a failure a couple years ago, but you are now, and that's all that matters. If you were a failure a couple years ago and you're not today, I don't care. I don't care. I care about what you do today. This isn't TikTok grudging up stuff from years ago. You know that's not what we're doing. I care about what you are doing right now and what you plan to do in the future. This is a disaster. You are a failure. Why would he trust you? Look at what you rule out the house. You can't possibly. And you're not willing to admit your mistakes. So why the Am I gonna have any confidence or care in this conversation? Good Lord.

[B]

I know I make mistakes, but let's figure out. Let's figure out how to.

[A]

Hey, look, I maxed out credit card with synchrony bank.

[B]

Oh, y. So that was the most recent series of unfortunate events.

[A]

Yeah, those endlessly happen. Which certainly never happened. Right? Which is why we build a plan where no negative events will ever happen.

[B]

That's why emergency fund is in the plan.

[A]

That's 13 months. And it's like a two month emergency fund. Maybe, if I'm being generous off number two. What happened? What was this series of unfortunate events?

[B]

That was the younger cat.

[A]

Yeah. Having a cat is an unfortunate event. Just kidding. I love cats. Hahaha. Go on. What, what the happens?

[B]

She has feline infectious peritonitis, which used to be a fatal diagnosis.

[A]

I'm glad that it's not.

[B]

But they have, they have a medication now that she's been on and she's doing much better, but to get there required several vet visits.

[A]

Do you have pet insurance?

[B]

No, but it wouldn't have been covered anyway.

[A]

That. Well, it depends on the pet insurance, I assume.

[B]

The one time I had pet insurance, I got it.

[A]

Well, there you go. See, they're. They're probably not setting you up with anything good.

[B]

No, because it didn't cover the vet that we went to, which is exactly stupid.

[A]

I, I would. Listen, a good pen insurance is likely going to cost at least 50 bucks a month. That sucks. But it saves you thousands. Look where we happen here. Listen, I'm glad. I'm, I am glad that your kitty's on medication. Now I need you to get off medication so your kitty can get some love and you can pop out a baby. But you know, I'm glad this one is. Yeah, I'm glad. I'm glad that. I'm glad it's okay.

[B]

Yeah. So she's doing better. I am going to have to buy more medications.

[A]

Yes. What is that going to cost?

[B]

Probably another 300.

[A]

What the. Well, it had a previous balance already of $473. So there's a balance on here before.

[B]

So this is the second statement since this whole thing started.

[A]

Okay.

[B]

So that one. I just.

[A]

So clearly things happen.

[B]

Exactly. Exactly. So you're broken.

[A]

Okay. You're just. You're shocked.

[B]

No.

[A]

You're shocked every time.

[B]

No, I'm not shocked. I'm just trying to figure out how to get to a point.

[A]

Yeah, no shit. I know what you're trying to get, but look. What? Yet this all happens and you've done nothing. You've done nothing to change it for the next time it happens.

[B]

Happens nothing here.

[A]

Yeah, that's, that's, that's something, I guess. Gold star, walk away, your life is fixed.

[B]

Oh, I realized synchrony.

[A]

$2,000 completely maxed out 65. How are you gonna pay the few hundred bucks that happens next?

[B]

So that one is.

[A]

Oh no, these are deferred interest.

[B]

They are.

[A]

No, these are deferred interest. Just a few months from now, one of them's coming up.

[B]

Correct. And that will be. So that'll be. It's to have it paid off completely before any interest hits its 167amonth.

[A]

I hope so. I don't know where your extra money comes from, but okay. Good luck. I hope so. It's accruing at 33% interest, huh?

[B]

It's not extra. I already have it. I already have it budgeted in as part of all the bills that come out.

[A]

No, no, you don't.

[B]

I do.

[A]

No, you don't understand. This. This is what is broken about you. That is impossible. You've had like 50.

[B]

I've done it already.

[A]

Oh my gosh. She's so stupid. I'm sorry. This is why you are going to fail. You just tell me you're not surprised when emergencies pop up. But then you tell me this is perfectly budgeted. No, it's not. There's going to be an emergency that happens again and then you won't be able to pay this off in time. It always happens, especially as a homeowner. You're going to have something that pops up tomorrow.

[B]

That's just why everything already.

[A]

Hey, listen. Hey, hey, hey, hey, hey, hey, hey, hey, hey. Listen. He fell and broke his ribs. You're about to lose half your income of the house. You can't budget this. You can't. This does not work. This is your brain immediately attaches to everything's gonna be fine so that you feel relaxed instead of facing any uncomfortable truth.

[B]

Well, what good does that do?

[A]

Because it allows you to at least change your behavior, to not repeat the endless mistakes of the past. Yet you refuse to do so. Every emergencies pop up and you're like, whoa, that'll never happen again. And then it happens about five times in one year. Listen, this is an impossible budget in. Oh, especially when you spend that much on so. I don't want to hear it. I'll let you use the fizz card at least. It's the debit card that builds credit only lets you spend money on what's in your checking account. I'll get you another.

[B]

What if I need to spend money that I don't have in my checking account?

[A]

Well, that is what we are trying to prevent in the future, you dumb tit.

[B]

All right, well that's number two.

[A]

I will get you a course career certification. So hopefully you can go earn more money, get a raise, get a better job, get continue promotions.

[B]

In this career they have like digital marketing, I think.

[A]

Exactly, they do. I will get you that for free. A lot of people in the Audience have used that to improve their income or get better jobs. So I'll get you one of those for free. Okay.

[B]

I love for my husband to do that, actually.

[A]

Well, I just don't trust them to be able to go outside and not die, so Know, it's just like, I would rather invest in you, if I'm being completely honest. Especially since he's gonna have lung cancer. Unfortunately. Not cheering for it, but being realistic here. Dude's gonna have health problems.

[B]

Yeah.

[A]

I mean, some people. Some people smoke and they live to, like, 95. And they're okay.

[B]

Yeah.

[A]

But statistically, issues city double cash.

[B]

So that was one of the two cards that we were using on a monthly basis and paying off every month, so you'll see.

[A]

Wow. Almost like it's endlessly repeated.

[B]

Exactly.

[A]

And that's why your consolidation's really going to work in the future. That's why I stopped. Spends $2,588 on here. What the Are we talking. This was the last month. Last month, the statements. Die, die, die. What the are you talking about? Congratulations. You did what every financial audit guest in the history of the show's done. Yeah. Changed things two weeks before coming on the show. Yeah. Yeah.

[B]

Actually stopped that before I got the call.

[A]

Lies.

[B]

If you look at lies, look at.

[A]

This is a month ago. Lies.

[B]

Look at the interest. Look at the interest. Look at the interest.

[A]

You applied to come on the show, though. You applied to come on the show, so. Lies.

[B]

I applied a long time ago too, and didn't get called. So this is the second go round.

[A]

Why? $51.77 is your minimum. Minimum month of year over the credit limit of $1,510.77. Look, you bullshit, you.

[B]

Look at the end.

[A]

Look at what? What do you want?

[B]

Look at the interest. I am the year to date interest.

[A]

Well, I See. Cash advance. $22 charged last month alone.

[B]

Cash advance, huh? Cash advance.

[A]

Oh, the accountant doesn't know what's happening in her accounts. Yeah. Interest zero.

[B]

Okay, so the year to date interest is zero. Yeah. So meaning we've used it and paid it off every month, and now you're not. Now we're not. On purpose.

[A]

On purpose so that she can pay it off by consolidating it and rack it up again.

[B]

Use the debit card instead.

[A]

Listen, it's not about that. You're just gonna pay it off via the consolidation or rack it back up. That's what you're gonna do. Come on.

[B]

Well, I'll close it at 5.

[A]

I've only seen this happen on the show every week four times.

[B]

I just have to keep it open long enough that my credit it stays good enough.

[A]

That's the danger and that's what everyone thinks. And then get. Okay, there's a lot of orange on there. Subs.

[B]

You guys. YouTube subscription Hammer Elite.

[A]

No.

[B]

Yes.

[A]

5.34. That's not Hammerly.

[B]

It's the only one I have.

[A]

Hammerly.

[B]

It's 10 YouTube subs.

[A]

Is he paying? Does he have a YouTube channel?

[B]

No.

[A]

Is he paying for subscribers?

[B]

No, that's the only subscription I think that I have.

[A]

Well, Hammer Elite is the number one and best membership on YouTube for a reason. Come join us for three premium shows every single day, Monday through Friday, including the post show for this financial audit. Extra 20 minutes of every episode. But yes, okay. I mean we'll see if I see.

[B]

An action I can look it up. I don't think I have any other YouTube.

[A]

Well, it went inside a gas station. Got some bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. It's crazy. Listen, instead of going and getting some bullshit, I know you're not getting energy drinks, but here, try this. Gamer subs. Listen, everyone's posted in the comments now that have been trying it. That is so good. Make your energy drinks at home for like 35 cents a serving. Just like making your coffee at home. Get your free samples, link in the description below, type in code hammer and then get. Get it off your 10 10% off as well. Make it home.

[B]

Is there a carbonated version?

[A]

Yes, there are carbonated cans on there as well. The two versions of the powder. And there's also a hydration drink version if you don't want the energy drinks.

[B]

I'm not a big energy drink person.

[A]

The only time do the hydration one.

[B]

Energy drinks is when I'm drive traveling for work.

[A]

Do the hydration 1. Parkhurst Tik Tok shop. This just happened.

[B]

Well, I. I knew I got a mini. Well, I don't know if that was that. That might have been vitamins.

[A]

Pull up your Tik Tok shop.

[B]

Actually pull up your Tik Tok shop. You know what that was?

[A]

No.

[B]

Believe it or not, that was the vitamins that are what cash advances are.

[A]

Your solitaire game that I've stopped.

[B]

That was a bad habit.

[A]

Oh my.

[B]

I don't even know how to get to.

[A]

Pull up Tick tock.

[B]

Oh, there we go. Okay, so orders.

[A]

Hey, just how about I have the phone?

[B]

Okay.

[A]

Just like he can't download an app. You can't connect to Wi Fi I.

[B]

Did connect to wi Fi geniuses.

[A]

Surrounded by them on a daily basis. I'm old, but I'm not WI fi. Not connected.

[B]

Yeah, it did connect.

[A]

Thank you. It's literally not there.

[B]

I'm old, but I'm not that old.

[A]

Where's the screen recording option on your phone?

[B]

I don't even know how to do that. I do know. I will admit that I don't know how to do that. I do have helium.

[A]

Oh, you do have helium.

[B]

We both do.

[A]

Yeah. Really good way to save money. It really is.

[B]

I've shared it with a lot of folks. It works pretty well.

[A]

And yeah, it's good. Sometimes it t mobile O positive.

[B]

Yes. So those are the vitamins that are good for vaginas. Correct.

[A]

Okay. We love vaginas.

[B]

However, I got them and then when I was looking up the ingredients. Those ingredients aren't good to take when you're trying to get pregnant.

[A]

So anti vagina.

[B]

It's good for vagina, but it's not good for conception.

[A]

Okay.

[B]

Cause when you're on antianxiety medications, sometimes it doesn't work as well. I'm sorry.

[A]

Physical spreadsheet. A dress. She got a dress on TikTok. Yeah. You got a dress. There's some skin care stuff. Oh, dress.

[B]

I don't remember a dress.

[A]

Now look at your Amazon while we're here.

[B]

Yeah, Amazon's not big.

[A]

No. You don't even have the app downloaded?

[B]

No, I order. I have to order some stuff for work on Amazon, so.

[A]

Subscriptions. Apple Care. Apple one. I don't even know what I Free mom Ovulation tracker. There's good. That one's good because it's premium and screw alert. Pixel art games.

[B]

Stupid. That was a one.

[A]

Stupid.

[B]

That was a game that I was playing like every day. I did also buy a mini chain. Mini chainsaw.

[A]

Why?

[B]

To cut down trees in my backyard.

[A]

Amazon. See housing costs. And it's always going to happen, dude. Mo Grill Chat. GPT parking. Apple Panera bread. Apple pizza. Road shop. Uber parking. Uber something Auto Chewy.

[B]

Chewy's not.

[A]

Did I say Chewy?

[B]

Did I say you said chewy.

[A]

There you go. I didn't say Burger King. Shake Shack. Shake Shack. Duncan. Netflix. Cracker barrel. Solitaire Cash. Solitaire cash. Solitaire cash. Solitaire cash. What the were you doing? What were you doing?

[B]

I forgot that was.

[A]

What was it?

[B]

It's just a app where you can.

[A]

You were like spending money on Solitaire.

[B]

Also one money.

[A]

Huh?

[B]

Sometimes.

[A]

Sometimes. That's how it usually works.

[B]

That app's not on my phone anymore.

[A]

Good. Okay. The Kohl's cardio. A thousand $512.65 interest is occurring. You spent $870 even though you put your minimum payment towards. It only takes nine years to pay off without spending, but you're incapable of not spending. $44 is your minimum payment. What the is going on here? Why are you spending money on a credit card that is accruing interest that you cannot pay off to save your life?

[B]

So that one I am nervous about mostly.

[A]

However, bro, she literally had to have Colton put her phone on do not disturb because she didn't know I didn't.

[B]

Know how to do it.

[A]

Oh, my goodness. You guys are never going to survive. It's not the budgeting apps. It's you.

[B]

Okay.

[A]

Do not disturb.

[B]

I've never used it before.

[A]

Like, I'm concerned right now, but go on. Yes.

[B]

So the Kohl's card, I've had that one for a long time. I would only use it when I was shopping at Kohl's. I don't even have a physical card for it. Like, they would look it up. They would look it up with my driver's license when I was shopping. But anyway, they recently sent me a virtual card, which. Which is great. So that's the one I used to put the flights for this trip. And I said, okay, well, I'm just gonna use it for the flights and the hotel.

[A]

Not just that, because I had colds and bottleneck management and Coles and Dunce Vita Salon and Peacock Premium. Who even the has that? A vet hospital. That one's fair. And then gas, I think.

[B]

So.

[A]

So you flights and. No.

[B]

Yeah.

[A]

84 went to Southwest. That was it. Well, the most expensive was the pharmacy of two $1.25.

[B]

The flights are in the statement before this.

[A]

Well, there we go. So I don't really care about that. I only talked about the purchases you were doing in this statement.

[B]

Yes.

[A]

Of which doubled your balance, of which most of it was you. Bull.

[B]

Correct.

[A]

So what the are you talking about then? Well, that's cope. Cope Deflect to another month. The month we're not even looking at you. Look at what you did here.

[B]

Yeah, so that's that one. And I'm not going to use it anymore.

[A]

Yeah. I don't believe you.

[B]

I don't have an actual card, and it wouldn't even let me put on my.

[A]

It didn't stop you. You literally just doubled the balance. Only after making the minimum payment on a card that is accruing Interest that you cannot pay off to save your life. Oh, I'm not gonna spend on it anymore. No. That's such a deflection just to try to get out of your bad behavior. That was done here. And the fact is when you do bullshit deflections in this conversation that means you are likely not to make progress outside of this room. Once you actually change, once you actually. Once you actually leave.

[B]

I think that one's actually a little bit higher now too.

[A]

No shit.

[B]

Not much.

[A]

Who would have thought at a 30% interest, right? Apple card. What's going on?

[B]

That was the second of the two cards that we were using and paying off every month on a regular basis.

[A]

That's how we didn't. Because we can. It takes three years to pay off. Minimum606.83 and there's no purchases with a minimum fee payment$25. 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, personally or romantically or terrible audit breakdown.

[A]

Like we still don't film with people like that. Like use it next level and hammer it out. Discipline into your budget. That's what I was thinking. 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 PIN comment or description below. Submit proof of [e-mail] and we'll reimburse you for your first first month with a $10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea. This isn't for you. This is how we have to do a free trial on here. Because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. Want to know a dirty little secret? And no, I'm not starting an. Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use Dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try it for free. Plus three months for just 9.99. So you can finally take control and. And see what your money's been doing behind your back. Click below to get started. There was no purchases. Says the lady with a shit ton of purchases.

[B]

So that was the last month that there was purchases.

[A]

Oh my. Just got a new statement. You don't know anything that is going on. Bullshit.

[B]

I know all the balances and all the rates.

[A]

Bullshit. Bullshit. Taco Bell Bullshit. Bullshit. What's this Parkhurst?

[B]

Parkhurst is the cafeteria at work. It's actually. Do you get a lot of food for decent price?

[A]

$7.44 cheaper still.

[B]

That was like a whole.

[A]

Hey, you tit. Your little tit packing is cheap. Er.

[B]

Okay, okay.

[A]

You're stopping stepping in the giving every second of your life.

[B]

I'm not.

[A]

Well, you can't control husband or he doesn't give a. It's one or the other. I don't know. Okay.

[B]

I love you. So that is an old medical bill from another injury.

[A]

What?

[B]

His elbow.

[A]

And you think nothing's gonna happen. Oh, you are. Oh, howdy. Hurt his little elbow.

[B]

Fell down the basement stairs. What? How it is stripped. The stairs are. The stairs are wood and a little.

[A]

I think my stairs are wood.

[B]

Yeah.

[A]

Guys, if your stairs are wood, you'll tr.

[B]

What?

[A]

What is wrong with this man? Stinky, smelly, nasty.

[B]

I don't think you're stinky, smells nasty.

[A]

What is wrong with him? Seriously? What is his like, median rate of getting hurt on a yearly basis? Every three months. Every two months? Every one month. I don't even know.

[B]

Yeah, so that one. It's weird cause it's scsi. It's State Collection Services, but it's not.

[A]

A. Yeah, really get away from that conversation. How often does he hurt himself?

[B]

Enough.

[A]

No. How often?

[B]

I don't know. Semi often.

[A]

Once every month? Two months? Three months? Come on. We have to at least be once a quarter at this point.

[B]

Yeah, probably.

[A]

That's crazy. You know that's crazy. That's crazy.

[B]

I know.

[A]

Dude. Dude. What the. Are you sure you're not trying to do about. Are you trying to collect life insurance here that we do not know.

[B]

He does have a policy.

[A]

It's not a denial more than he's concerning. 650 or so your payment's 50, huh?

[B]

Yes.

[A]

Okay.

[B]

And it's. So it's State Collection.

[A]

What's ahn.

[B]

Allegheny Network. Allegheny Health Network. That's another medical bill for what? Some previous broken ribs.

[A]

He broke ribs before doing what?

[B]

I fell in the kitchen.

[A]

What's wrong with this man? I've never heard of anyone like this unless they're like. Like spazzing or epileptic or just like. How did he fall in the kitchen?

[B]

I got dizzy and.

[A]

Well, he needs to go see the doctor.

[B]

Yes, he does.

[A]

Hey, stinky, go see the doctor.

[B]

Can we call him something else?

[A]

Yeah, it means what he's doing right now. He's just sitting in his little cut corner at home while you sit here and actually try to get shit done. He's watching you with another man.

[B]

Oh, he won't like that one.

[A]

And he'll do nothing about it because if he tries to walk towards me, he will break the other parts of his ribs.

[B]

That's why he. He's not here. I love you.

[A]

Okay, so $289 is owed. Is there a monthly payment? Payment of What?

[B]

Oh, wait. 289.

[A]

And then there's another 132.

[B]

That one's done. That one's done.

[A]

Okay. Okay. Well, what's the payment for the 289?

[B]

49.

[A]

Hey. These minimum payments are stacking. And yet we allow ourselves that. Good luck. What is vca? Animal Service?

[B]

That's the vet, but that was on. That's on the care credit, so that we don't need that one.

[A]

Okay. Upgr.

[B]

Okay.

[A]

$24,000 and a 29.49% interest rate.

[B]

Well, so this.

[A]

What the did you do, lady?

[B]

This is the kickoff to the Series of Unfortunate Events, which would never happen in your lives. Correct.

[A]

So what happened this time?

[B]

That is the majority of the roof replacement.

[A]

Why?

[B]

From April.

[A]

Why?

[B]

Why? Because we needed a new roof. Yeah.

[A]

What happened?

[B]

It was leaking.

[A]

Okay. So there's no incident that you could claim insurance on?

[B]

No. So that one is deferred, but you.

[A]

Felt rushed into it. I have a note. Yeah. Why? What do you mean, so?

[B]

Well, it's one of those scenarios where the sales guy comes into your house.

[A]

Oh, who's on you?

[B]

Well, we made the appointment. It's not like we didn't make the appointment. The sales guy comes in, they give you a. Here's what you should do.

[A]

Yeah, no shit. Here's the money you should give me.

[B]

If you sign up right now, here's what this is gonna cost you. And I was very adamant. I was like, you know what? We're not doing this right now.

[A]

Yes. Your adamancy really paid off.

[B]

Yeah.

[A]

Yeah.

[B]

So the only reason we were able to do it, the only way we were able to do it was to do the zero percent, no payments. Until May of 2027.

[A]

Hey, what's your minimum?

[B]

There isn't a. It's zero payment. So we had.

[A]

And then yourself.

[B]

So that is this. So service. Yep.

[A]

So an extra 5,000 for the roof.

[B]

Correct. So when we first signed up, they said, you know, this is the cost that we're expecting, but once we take the old shingles and everything off, we may need to. If the wood isn't good, then it might be a little bit more.

[A]

Oh, they were hoping.

[B]

So that's what that was because we couldn't get any more on the upside.

[A]

So you owe 5100 on this?

[B]

Yes, correct. And that one, what's the payment? That one. Zero. So that one's also zero payment. Deferred interest. Deferred, deferring everything. So that one's till August. So that's part of the July consolidation.

[A]

Of your plan that you say you should make a better plan.

[B]

Got to start somewhere.

[A]

Caleb. Hey, hey, hey, hey, hey. Tit. You're assuming you're able to get a balance big enough to consolidate these really chunky balances, and your credit is horrendously disgusting.

[B]

It'll get better by July.

[A]

Not on your credit.

[B]

My husband's credit's really good. Well, and these are on my husband's credit.

[A]

Yeah. And what's his. What's his income gonna show when he applies for a $40,000 consolidation?

[B]

Well, hopefully this job will continue.

[A]

We're going on hope. Oh, buddy. A. Yep. Yeah.

[B]

Well, let's un it.

[A]

Well, I don't know if I can. This is juicy. This is juicy. We'll see. It might be a bankruptcy, if anything.

[B]

No, I'd sell my house before that happened. We have enough money. We make enough money.

[A]

We'll see if he has his job. You dumb. Okay, what's the synchrony? Roto Rooter home. Correct.

[B]

So that was another thing that happened to the house. So after the roof was done early August, the shower assembly in one of our bathrooms failed and water was leaking down into our kitchen ceiling.

[A]

Bro, what the are you doing?

[B]

So insurance covered the, like, remediation, where they go in and cut the hole and they do the, you know, antibacterial and have the fans and all that stuff, but they didn't cover the actual plumbing fixture replacement portion of it. So that's what that is for.

[A]

This is going to be endless. It's going to be endless. This is never going to stop. And you're going to be so. So that one's deferred interest. It's horrendous minimum to payment 50 bucks. You owe 1900. Deferred interest ends. Yeah, in about 13 months. This is, this is just good. Good.

[B]

That one's 122amonth to pay it off.

[A]

Before the deferred, which I hope you do, but I don't fucking know. We need to see what the fuck this even looks like. Vivian, what are we doing? What you owe $5,000 to your parents sense?

[B]

Yes.

[A]

Yeah. Remember when I said you're a failure?

[B]

A portion of it went on that. The very first card we looked at the slate edge and then they paid for the rest of it.

[A]

Why?

[B]

Why did they pay for it?

[A]

Yeah, that's their 40 year old independent child.

[B]

Because they always told me if spoiled, I need anything spoiled that they can help me.

[A]

Not only that, but you've never learned your lessons and this is why you're here is because you, you have never had to change your behavior once in your life because mommy and daddy were always there to bail their precious one singular daughter out.

[B]

It's valid.

[A]

Yeah, it's valid and it's true and it's horrible and they need to stop. I'm not saying parents can't help. I'm not saying they shouldn't. But what is clear is forever is you have never felt the need to change your behavior because they will always be there. That's as clear as life. As clear as it gets. Oh my. Okay, so by personal loan for what?

[B]

That's probably just been a rolling balance. A Rolling what?

[A]

At 16.57 interest rate.

[B]

Well, as everyone says, it's better than the rates on the credit cards. So that's just been. That's just one of those kicking the can things. That's just been a balance that's been moving around.

[A]

This is ridiculous. You owe 17,056.50. The minimum payment of 477.68. What is the minimum payments to your parents by the way?

[B]

100Amonth.

[A]

Okay. The interest rate on this is horrendous. You're starting to sit here while you're consolidating and pushing things down the road. It's just like Cook. This is filling up my entire notebook. And you think this is going to be survived just with some consolidations and you're not going to build it up again without changing your behavior because you never had to. Because your brands are there have a.

[B]

Choice at this point. That one's part of the July.

[A]

Yeah. If it all works and you're able to get it and your income's not cut in half. And you don't get laid off in this bad job market. Who knows that won't happen. You're. That's not how that works.

[B]

My company has not laid off one person in 170 years.

[A]

Well, we'll see what they call it when they do it. You know, like good the luck banks have closed. I don't know if you've heard this in the past couple years.

[B]

Not the type of bank that I work for.

[A]

We'll see. We'll see. You never know. Sure. They don't lay off because then they have to give severance. What is loan number two?

[B]

All right, so I don't know why that one's on top, but I have two 401k loans.

[A]

Yeah, clearly you consolidating things is obviously what fix everything. And it's worked before. Why? Okay, so you owe on this one, $15,040 and the other one 8,540. When did you do this and why? It's at a 10% interest rate. You.

[B]

Yeah, but it's me paying myself back.

[A]

Kind of to a certain point. If you lose your job or you quit, you owe it like that.

[B]

No, that's not true.

[A]

Is it not?

[B]

Nope.

[A]

Go ahead and tell me.

[B]

So you. Whatever balance is left converts to a withdrawal. So you have to pay taxes on it.

[A]

Yes.

[B]

So it's a tax bill, but it's.

[A]

Not paying the amount. It is via your money that you.

[B]

Have the whole amount.

[A]

Oh, you are such a moron. It is still the same thing. That is what I obviously meant, you dumb.

[B]

Well, then say that it is still having to do. It's not a bill that I'm going to have.

[A]

It is a bill that you are paying via your money that is in there. And you're going to have to pay taxes and early withdrawal. Are you idiot. And it's Obviously since this 401k is not like a IRA, you have to pay taxes based on your income bracket, but you still have early withdrawal.

[B]

Yes.

[A]

Oh my. So you're paying, but it's not. So you have 10 interest on it, then you'll pay another 10 via the penalty, then another what, 15 on the taxes. So it's like you, you have like a 35 loan. If you lose or leave your job.

[B]

Which I'm not planning on.

[A]

Which we're not planning on, because no one's ever planned for any emergency ever, by the way, is how that works. I'm not planning on me losing an arm at some point, but it could happen.

[B]

So that one was a failed consolidation attempt as well. The second one, the first one, which.

[A]

Is the take advantage of more growth.

[B]

In the market, too, was for a portion of the down payment.

[A]

They just had a nice little rebound, but I guess you don't get to enjoy that. Okay, what's this?

[B]

So this is one. I've never seen the show before.

[A]

Great. First, yes, it does look like it was written from an 1800 typewriter.

[B]

That is a loan on one of my insurance policies.

[A]

Okay, what kind of insurance policy do you have?

[B]

So I have two $15,000 insurance policy life insurance policies that my parents purchased for me that when I got married.

[A]

Whole life.

[B]

I don't know.

[A]

Typically when you see people barring against that, you like to see whole life for that. But.

[B]

Yeah, so it's horrendous.

[A]

It's a 7% loan.

[B]

Yeah, but that's me paying it back to the policy.

[A]

I know, but that means.

[B]

So that just means if that's not paid off by the time I kick the bucket, it just.

[A]

You're just setting yourself up for risk, dude. You're just. You just. You're okay with every debt and you cope and you're okay with it.

[B]

Well, if you have it.

[A]

But this actually has to. This, like, this doesn't. This doesn't come out of your prepay, like to your 401k. That comes out of your paycheck. That is hitting.

[B]

Yeah, it's.

[A]

This is actually money you owe.

[B]

It's $15 a month in addition to my regular insurance payment.

[A]

Okay, so I'll put it at 15 then.

[B]

But that's included in the amount that I pay for my insurance. Insurance.

[A]

Oh, it is. Whole life. Yep. That makes sense. That's what you're doing.

[B]

I have two.

[A]

Like, what do you owe completely on that one? I know, I. Life insurances.

[B]

Oh, 20. Whatever that says.

[A]

25, 000. Okay.

[B]

No, 2500.

[A]

Oh, 2500. House.

[B]

Yes.

[A]

Good rate.

[B]

Yes.

[A]

Cheap house, Midwest, rust belt. We love it.

[B]

We bought our house in summer of 2019 before everything went to.

[A]

Surprised you didn't refinance at a lower rate, but okay.

[B]

At lower than 3,625.

[A]

Yeah.

[B]

Well, probably wouldn't be able to do that right now anyway.

[A]

No, not right now.

[B]

No.

[A]

But I mean, even $175,450.39 is a minimum payment of $1,481.84. Still a good rate, though. It's fine. But it could have been in the 2%. Then again, don't really Want to refinance? Unless you save at least a couple of percentage points. So.

[B]

And it's nice because our house is now worth probably at least $100,000 more than we bought it for.

[A]

Okay. Might be your exit plan.

[B]

You're not gonna like that.

[A]

Well, what is this? So what did you do? You took a line of credit against your house?

[B]

Yes.

[A]

So it's not worth an extra 100,000 that you owe.

[B]

Well, the house is worth. We just don't have as much equity in it.

[A]

Yeah, your equity is practically nothing now, again, probably.

[B]

We bought our house for 275. It's probably worth 300,000 now.

[A]

And you owe total across the board, about 60 something. Yeah, about 270. About 270. So after selling, after paying 6% after, you're breaking even at best. And that's not even true because you got money you owe on a new roof, got money you owed, a new systems that are all in the houses that you're not picking up and taking with you. So no, you've lost money so far. You have negative in general at it all together on this house than you would get for it. Of course, you can still pay on those other debts when you don't own the house, but. But not on this one, not on your mortgage. And you'd probably just break even. So. No, you say in worst case emergency, I'll just sell my house and use it to pay off the debt. You wouldn't walk away with anything.

[B]

No, not necessarily use it to pay off the debt.

[A]

Well, you want to walk away with anything. And your rent would probably be the same amount anyway. Well, I mean, now that we have this at an 8.24% interest rate of insanity and with an extra $695.60 payment added to your life.

[B]

So do you want to know what that paid?

[A]

Sure. Yeah. Give it to me. I'm.

[B]

So when Covid hit, we were able to take a one year forbearance on our mortgage. So we didn't pay our mortgage for a year.

[A]

Did you need to?

[B]

Yes.

[A]

Okay.

[B]

Why? Because my husband wasn't getting as many hours at work.

[A]

Is he now broken? Okay, whatever.

[B]

So a couple Years later, in 2022, there were some other things that we wanted to pay off.

[A]

Oh, great. Again showing that your consolidation is really successful and it's worked every single time.

[B]

When we did that forbearance, the amount that we didn't pay was added as a second lien onto our house.

[A]

Okay.

[B]

So we paid that off.

[A]

Okay. Okay. That's all your debt, right?

[B]

I think so.

[A]

Okay. It only filled up my entire notebook.

[B]

I think that's so stupid.

[A]

Balance prior to statement started at 42 cents. And the second account ended at 50. 45. Then why did I see so much bullshit being spent on those credit cards? Zelling out 50 bucks.

[B]

That was to my mom.

[A]

Another YouTube. Four bucks.

[B]

That was a movie.

[A]

I think it's horrendous. And then. Yeah, money back and forth. Okay, $2.49 on this one. Started with 15. Solitaire. Solitaire, yeah. Chipotle. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Bullshit. Borough of something. Bullshit. Bullshit. Bullshit. Why are we allowing this? This is unacceptable and disgusting and horrendous and stupid. TikTok shop again, 50 bucks. Bullshit. Hot Mart, Hot Mart, Coffee. Chipotle. Bullshit. Auto something. Dunkin Donuts. Bullshit. Bullshit. Giant Eagle. Bullshit. Bullshit. Duncan. Bullshit. Bullshit. Only probably went and got some bullshit by this trend. Auto something again. But it looks like just bullshit. Honestly, at the price zelling out, 50 bucks. That's Apple bill. Bullshit. Bullshit. Cafe Youngin's house. Get go. Bullshit. Bullshit. Bullshit. Bullshit. Jiro Cafe, Duncan. Bullshit. Bullshit. Bullshit. This is insane. All to have a few bucks in our checking account. So stupid. Stupid. How would you even allow that? What a joke. Okay, so yeah, 401k. 88 is nice for your age.

[B]

It's probably income. It's at almost 99 now.

[A]

Yeah, but you owe against it. Of what? How much again?

[B]

Fifteen total, I think.

[A]

And that's actually budget.

[B]

So I was doing 6% to my 401k because they do. They match the first 3% and then they do half of the next 3%. But I just recently switched it down to just the 3% to try to put towards the plan that you.

[A]

That might be good, it might be bad, I don't know because it's still 50% return on your money. But let's see if you have the.

[B]

Wiggle room because he doesn't have a 401k at all.

[A]

Well, he doesn't have anything and likely a job soon. Okay, not including your mortgage, your total Debt payments are $1,785.11. Your mortgage is $1,481.84. All utilities combined. Gas, electric, trash. Blah, blah, blah, blah, blah. Internet. How much?

[B]

600.

[A]

600. Okay. Phone bill. Helium.

[B]

Helium. We're both on helium. Both of us together is like 55. Because I have the upgraded plan.

[A]

You got the upgraded. That's good. Gas from drive to drive. Both of you together, 250. It's cheap car insurances.

[B]

Car life insurance, personal articles and home warranty. Is 300.

[A]

Okay. 300. And that's outside of the whole life we already looked at.

[B]

That includes that 15.

[A]

Okay, I'm gonna minus that. What was the whole life?

[B]

$15.

[A]

Yeah. Minus the 15. Because I put that in your debt. So 285 groceries. We could do 600. Follow the meal plan and the debt class. Follow the cookbook and download the Dollarwise app. You get it for free forever. All of it. TP fund anything else you need to survive. Should be about 200 for this house. Include that from him going to the damn doctor. Medical healthcare, co pays stuff on a monthly basis. You're probably in therapy. You look like it.

[B]

No, probably should be, but I'm not.

[A]

No.

[B]

Nothing on a regular basis. Medications are covered.

[A]

Subscriptions. I'll try.

[B]

I don't even really 30. Well, I guess I have those apple ones. I don't even know what Apple One is, but I have it.

[A]

Pen insurance is 250. Is it only one PET 2. Let's do 100. Anything else that needs to be in the budget that I have not put in yet?

[B]

I don't think so.

[A]

Yeah. I mean we shouldn't have wiggle room here. As long as he has his job.

[B]

That's what I mean. I know we have enough money to.

[A]

If he has his job. That is the big thing. Dudes in and out of jobs left and right. In and out of literally falling and breaking his body left and right. Certainly don't have enough for the money you're doing because you barely make it. You're making it by less than a thousand dollars. You need $5,385.95 to survive on a minimum basis. And so you got an extra 863.05. That's while he has a job. If he doesn't, you guys are broken. This plan falls apart in every way whatsoever. I wouldn't consolidate unless you can change. You show that you change your behavior and follow this budget which includes him, not just you. Because there's no point of doing this if you fix it and then he doesn't because you'll still rack up the debt. Again. I'll allow the consolidations if one, you actually get approved for them and two, you change your behavior for at least a few months.

[B]

I'll happily show you my spreadsheet. I'm very proud of it.

[A]

Variable with this 8 63. I mean it still takes 203 months to pay off even with that, which is 16 years. So yeah, I'm okay with the consolidation. But only if you prove you change your behavior for at least two to three months, including him. So he needs to have a hard conversation. Your job from here is to certainly follow the budget and for him to keep his job but more than anything is to have a conversation. Be on the same page. If you guys aren't on the same page about your budget spending and everything like that. I didn't put a cigarette fund in here. And that shit's expensive.

[B]

Right.

[A]

Then there is no point of us having this conversation. No point of you trying to do anything because he will hold you back forever. And that includes if he changes and you don't because then you'll hold him back.

[B]

I don't want to put it all on him.

[A]

Spending in a budget of which you probably did incorrectly on your score online because you don't know is 0 out of 10 debt. There is collections, which I don't think you reported correctly. 0 out of 10 what that collections.

[B]

Doesn'T come up as a collections on either of our credit.

[A]

But it is there. You tit.

[B]

Okay.

[A]

It's there. You said it's there. You're paying on it.

[B]

Yeah, but it's not on our credit.

[A]

Emergency fund. I didn't see anything. 0 out of 10 retirement. This is the one thing. It's okay. But you do have a debt against that. What do you got? So it's like 75,000, 000 still. It's your income where you're making what? 65 a year?

[B]

65 a year.

[A]

65 a year. That should be about 120. 30. 130 in two years. And you're at 75. So you're about a six out of ten there. Real estate. Yeah. With what you've done with the equity position and you know, all the things you've put into and you're not gonna. You wouldn't walk away with the profit. That's for sure. It's. It's. It's a five out of ten Maybe. Okay. Right. That's the only thing known for it. So if you actually answered the quiz correctly, what you would probably get is a 2.5 out of 10.

[B]

Exactly what I said.

[A]

Get yours@caleb hammer.com for free now join us in the post show an extra 20 minutes of this in every single episode and three premium shows posted every single day by clicking that join button and joining Hammer Elite. I'll see you guys there. You wanted to admit something to us that you were doing behind corporate's back.

[B]

I do have a corporate credit card for corporate expenses, but sometimes I've had to use it for other things.

[A]

Had to? Other things. What?

[B]

Spending.

[A]

And they don't know about this. 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.