Summary8 min read

Podcast Summary: Financial Audit — "I’m Done With Financial Audit" (Nov 22, 2024)

Host: Caleb Hammer
Guest: Lydia, 30, Biloxi, Mississippi

Overview

This episode features Caleb Hammer in one of his most exasperated and unfiltered sessions as he conducts a Financial Audit with Lydia, a 30-year-old who recently lost her job but is about to start a new one. As Lydia recounts her turbulent financial habits, mounting debts, and lack of discipline, Caleb's patience wears thin, culminating in one of the few times he ends an episode early and explicitly refuses a post-show conversation. The conversation is often combative, darkly humorous, and serves as a raw cautionary tale of unchecked financial behavior.

Key Discussion Points & Insights

1. Guest's Financial Background and Current Situation

Lydia is newly unemployed, pending the start of a logistics job for the DoD, paying $61,000/year (01:03).
Recently made $48,000, dropped to $42,000 after company buyout, and has been unemployed for about a month ([01:33],01:45).
Moving from Biloxi, MS to Huntsville, AL, but is struggling to secure housing due to slow application processing (02:20).
Checking account currently negative; has no emergency fund ([04:09],05:34).

2. General Money Habits & Attitudes

Lydia admits to spending without much tracking or intention, prioritizing convenience (“Taco Tuesdays” and restaurant food over groceries) despite negative balances ([08:53],[12:23],13:02).
No strong delineation between needs and wants—buys “little sweet treats,” gadgets, and gifts, even while underwater financially ([43:29],65:08).
Habitual overdrafting ($1,000+ in fees), using credit and buy-now-pay-later services (Affirm, PayPal Pay-in-4, Amazon credit) to cover expenses ([07:57],[34:04],[53:56],63:20).
Routinely spends on food, gifts, electronics; often cannot recall or justify specifics ([09:06],[18:52],[36:45],38:05).

3. Accountability & Relationship with Debt

Openly admits to supporting her boyfriend while he’s in school, even at the expense of her own finances (05:58).
Has taken out multiple consolidation loans but “just built them right back up again,” repeating the debt cycle at least three times ([25:09],28:58).
Lydia: “I have concepts of a budget in my head, so I think, okay, well, I can spend what I can” (09:40).
Her justification for spending: “If it wasn’t justified, I wouldn’t spend it, but like spending it. So obviously I spent it for a reason.” (20:31).
Regularly relies on “future self” to pay things off, indicating lack of forward planning (19:07).

4. Host’s Increasing Frustration

Caleb repeatedly demands basic accountability, pushing Lydia to confront her habits:
“You do not get to go out to eat. You do not get to take your friend out to eat. You are overdrafting and you’re negative as of now.” (07:57)
Lydia’s flippancy and “cope-laughter” drive Caleb nearly to breaking point, leading to extensive venting and expressions of genuine dislike—rare for the show.
Notable moment where Caleb says: “You are irresponsible. You speak like a child. You do not understand anything about money. You have no respect for debt. You have no respect for debt.” (26:46)

5. Relationship & Future Planning

Lydia’s boyfriend is about to start a paid internship ($16/hr), but up to now she was the main support (17:56).
Avoids sharing the full scope of her debt with him out of embarrassment (49:15).
Admits to having $25,000 in retirement, lost ~$10,000 at age 20 by cashing out early to pay off earlier debt (27:13).
Still owes $15,000 to her dad (first consolidation loan) and $1,000 to her mom—no payments in 18 months ([75:35],79:54).

6. Attempts at Self-Reflection

Lydia acknowledges her habits are problematic but pins her inability to change on how “this is just how I’ve always been” (21:12).
Admits to “vicious cycle” and FOMO driving her to keep spending ([22:24],23:52).
Caleb: “What is different this time?” Lydia struggles to articulate a meaningful answer (29:09).

7. Hard Numbers & Spending

Income in last employed month: $3,834, but spent $5,592, 20% over income ([10:30],11:01).
$600 on eating out, $173 on groceries ([06:37],07:16).
At least $2,300 on one credit card, balances over the limits, at least $45/month in fees, 26%+ interest rates ([17:29],[39:10],74:41).
Use of Affirm/BNPL for unnecessary purchases like an Apple Watch, weighted blanket, and gifts ([53:56],[55:51],65:08).
Multiple credit cards and POS lenders, with balances at or above the limits.

8. Tone and Dynamic

Sarcastic, dark humor pervades the episode, with much of it rooted in disbelief and mounting irritation.
Lydia’s lightheartedness and deflection (“spending girly,” “I’m just a little baby, I have no money”) intensifies Caleb’s cynicism.
The show breaks form with Caleb refusing to include Lydia in the post-show for the first time due to sheer frustration (76:53).

Notable Quotes & Timestamps

On Financial Habits and Delusion

Caleb: “You do not get to go out to eat. You do not get to take your friend out to eat. You are overdrafting and you’re negative as of now. I didn’t know you were negative! … What the is that delusion that he has?” (07:57)
Lydia: “I have concepts of a budget in my head, so I think, okay, well, I can spend what I can.” (09:40)
Caleb: “You yourself, we should have met a month ago, but I took that loan out before I knew I was getting laid off. So it all kind of like that doesn’t matter.” (25:14)

On Net Worth & ~Accountability

Caleb: “Are you like a literal baby? Are you like a child that cannot survive without the milk of...” (09:29)
Lydia: “I really don’t know what I spend... I just slide my card and I’m like, boop.” (36:53)
Caleb: “You have no hope.” (63:44)
Lydia: “I feel hope.”
Caleb: “No, that hope is in delusion. You have no hope. I think it is. I really do.” (63:48)

On Debt and Recurring Patterns

Caleb: “Consolidation is great for a lot of people, but not until you build the discipline that is necessary to actually get out of debt, because then you will have proven to yourself that you will not get into it again. You didn’t actually pay off any cards. You moved it. And because you didn’t address any of your actual behavioral problems or understanding of what a credit card is, you just built them all the way back up again.” (25:18)

On Show Frustration and Ending Early

Caleb: “I don’t think you’re a bad person, but the fact that you think it’s all cutesy annoys me. You’re not taking this seriously. You’re not taking your life serious. You have no actual desire to get out of debt. You don’t care. You’re trying to look funny. You’re being dumb. You don’t understand things. You don’t know what a number is. I don’t want to talk to you. And I do not have hope for a single second that you are going to get out of debt.” (77:54)

Timestamps: Important Segments

[00:31] — Guest Introduction: Lydia, 30, Biloxi, MS; about to start new logistics job.
[02:20] — Housing Instability: Trouble finding a new place before lease ends.
[04:09] — Financial Emergency: Negative checking balance, no emergency fund.
[06:37] — Food Spending: $601 spent eating out in a month.
[13:20] — Reality Check: Lydia admits self-score of zero (of 10) on financial health.
[18:52] — Credit Card Use: Justification for ongoing spending and lack of payoff.
[21:12] — Reflection Blocked: “That’s just how I’ve always been.”
[25:09] — Debt Cycles: Multiple consolidations, no root change in behavior.
[29:09] — “What’s different this time?”: Fails to provide evidence of progress.
[34:04] — Over Limit & Fees: Above limit on credit, hefty recurring fees.
[36:53] — No Tracking: “Slide my card and I’m like, boop.”
[49:15] — Hiding Debt from Partner: Avoidance due to embarrassment.
[55:51] — Buy-Now-Pay-Later: Purchases like an Apple Watch while negative.
[65:08] — Unnecessary Amazon Purchases: Weighted blankets, electronics, etc.
[75:35] — Money Owed to Family: $15,000 to Dad, $1,000 to Mom.
[76:51] — Host Halts Interview Early: “I want to get as far away from you as possible.”

Memorable/Notable Moments

Lydia repeatedly attempts to deflect with humor or minimize financial chaos, often met with exasperation or cutting remarks from Caleb.
Caleb delivers several on-the-spot reality checks, rarely letting a justification pass unchallenged.
The conversation closes unusually with Caleb directly expressing his dislike for Lydia’s attitude and deciding not to continue the post-show—a first for the podcast ([73:02],76:51).

Final Sentiment & Verdict

Caleb’s Hammer Financial Score: Not given, but implied to be extremely poor.

Host’s Parting Words:
“I am done with it because you’re taking this conversation like a joke and that is an embarrassment for my existence right now. And I’m pissed off in you with you. And I am done. You can turn off her microphone. I don’t want to see it hear a single word from her.” (77:54)

Summary Table — Lydia’s Key Financial Problems

| Issue | Example/Comment | |--------------------------------------|-------------------------------------------------| | No emergency fund | Negative checking balance, no cash for rent | | Excessive spending | $600+ monthly on eating out | | Recurring debt cycles | 3+ times paid off, then racked debt again | | Ignoring basic budgeting principles | Budget only "in head," refuses to track | | Rationalizing poor decisions | “If I spent it, it was justified.” | | Multiple debts to family | Owes dad $15,000, mom $1,000, no repayments | | Hiding info from significant other | Partner unaware of true extent of Lydia’s debt | | No intention/plan for change | “That’s just how I’ve always been.” |

This episode serves both as a last straw for the host and a bracing illustration of what happens when mindset and behavior remain unchanged in the face of repeated financial failure.

Loading summary

Transcript805 lines

[00:00]
A
To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You have no actual desire to get out of debt. Trying to look funny? You're being dumb.
[00:09]
B
That's just your opinion. I know what I'm doing. When I do it, I just do it.
[00:13]
A
I just don't want to hear your voice. I really don't. Okay, listen. One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away from you as possible. You're a horrendous existence in front of me right now. I'm ending the conversation early and I'm kicking you off.
[00:32]
B
Hi, my name is Lydia. I'm 30 years old. I'm from Biloxi, Mississippi, and this is Financial Audit.
[00:38]
A
Hey. Wow, thanks for coming down from Mississippi. What do you do there for a living?
[00:42]
B
So I'm currently unemployed, but I will be.
[00:46]
A
That's not true. That's not true. I'm fixing this for the audience. I know what you think. She just got a job. She just got a job.
[00:52]
B
Just get a job. But I just haven't signed her employee yet. I haven't started.
[00:55]
A
But she's getting a job. She has an income.
[00:57]
B
I do have an income.
[00:59]
A
Sake.
[01:00]
B
I. I am. I do have.
[01:01]
A
What is the job you're going to.
[01:03]
B
Going to be doing? Logistics for private sector for the DoD.
[01:08]
A
Oh, okay. So what does that entail?
[01:12]
B
It'll be like, pretty much doing. Ordering. Like an arms dealer for the military, essentially. Oh, wow. Okay.
[01:20]
A
Sure.
[01:20]
B
Things I can't say online.
[01:22]
A
Gotcha. And how much are you going to be making in this position?
[01:25]
B
61.
[01:27]
A
Okay. Wow. Very cool.
[01:29]
B
Which is a pretty good raise from what I was making previously.
[01:32]
A
What were you making?
[01:33]
B
I was making 48 and then a new company took over, bumped me down to 42.
[01:39]
A
Okay.
[01:39]
B
I got rift from my last job, which is.
[01:43]
A
How long have you been unemployed now?
[01:45]
B
Since probably about a month. Yeah.
[01:48]
A
Can you get a job when?
[01:50]
B
I'm supposed to be starting at the end of this month, so. So hopefully.
[01:54]
A
What do you mean supposed to be? Is there skepticism around it?
[01:56]
B
Well, I'm trying to move, so I'm trying to figure out to where. From Biloxi to Huntsville, Alabama.
[02:01]
A
Is it close?
[02:02]
B
Six hours. So. No. Yes.
[02:05]
A
Is that where work is?
[02:06]
B
Yes.
[02:07]
A
Then you have to move?
[02:09]
B
Yeah, no, I'm gonna move. I just. My lease doesn't end until Sunday, so I'll be in there.
[02:14]
A
What, Sunday? This Sunday.
[02:15]
B
Sunday, yeah. So.
[02:18]
A
And you don't have where you're going next figured out?
[02:21]
B
I do, but they're taking.
[02:22]
A
What is the issue?
[02:23]
B
They're taking so long to get back to me. I've been, like, asking. I've been calling them, asking them, emailing them. They just.
[02:29]
A
About what gets back to you and what?
[02:30]
B
I don't know. Like, I'm. I've had sign like, 10 papers, like, rent verification and blah, blah, blah. And they're just like. And I'm like, hey, I need to find a place to live because I have to start my job, so please let me just move. I don't. I don't understand.
[02:45]
A
What are you waiting for? Are you. Did you. Have you signed a lease?
[02:49]
B
No, I haven't.
[02:50]
A
Okay, you haven't sent a lease. Are you still going through the application?
[02:53]
B
Yes.
[02:53]
A
So you don't even know if you're approved?
[02:55]
B
No, I don't know yet.
[02:56]
A
And, yeah, as of this Sunday, you will have no place to live.
[03:00]
B
Well, I'll. I have a place to fall back on. I just want my mom's and where she.
[03:05]
A
Is she in the right place or the wrong place?
[03:07]
B
She's in the wrong place. So I would have to, like, push back starting if I was to have to, like, not have a place, though. I know. I can't.
[03:16]
A
I can't. It's not an option. Well, get an Airbnb.
[03:19]
B
I. I could. Yeah. So I was thinking about doing that.
[03:21]
A
She got excited.
[03:22]
B
Yeah. So I do want to do the Airbnb or, like, one of those Microtel things where you, like, live weekly.
[03:29]
A
Sure.
[03:30]
B
But I'm also just trying to, like, strong arm my way into that apartment.
[03:33]
A
You should, but Sunday, Come on.
[03:35]
B
Yeah.
[03:35]
A
Six days from now. Yeah, around with that.
[03:40]
B
I mean, I really don't have any other choice. I can't extend my lease. I can't go.
[03:46]
A
I think the other choice of the ones we literally just said.
[03:49]
B
Yeah, the ones we literally just said, perhaps. Yeah. But I don't have. I don't have a way to secure housing up there. Like, I don't have the money for an Airbnb or a hotel or anything.
[04:03]
A
How much is in your checking account right now?
[04:05]
B
How much isn't, is the bigger question.
[04:08]
A
No, how much is in your checking account right now?
[04:09]
B
I have negative money in my checking account at the moment. So, yeah, I guess that you're unemployed, but.
[04:17]
A
Yeah, but why is there negative money?
[04:20]
B
Because I've still had bills to pay, like.
[04:22]
A
No, no, no, I get that part. I get that. I get that part. You got laid off, right?
[04:28]
B
I did.
[04:28]
A
Did you file for unemployment?
[04:30]
B
I did, but I'm being investigated.
[04:36]
A
For what?
[04:37]
B
I don't know. I called.
[04:38]
A
Oh, come on. I don't know anything.
[04:40]
B
I asked. So I asked.
[04:42]
A
Who what? Asked who what? When, where? Why? What are you talking about?
[04:46]
B
I called the unemployment office. I said.
[04:48]
A
Okay. They're investigating you.
[04:49]
B
Yes. So my. One of my old jobs was like not agreeing to the terms that I was not employed there anymore. So. So I.
[04:59]
A
Again, again. What?
[05:01]
B
Yeah.
[05:02]
A
No. What? They're not agreeing to the terms that you're not working there anymore.
[05:06]
B
Yeah. Even though I put my two weeks in, they are claiming that you work there. Yes. But I will say I just got. Yes. What was it?
[05:14]
A
Why do you gotta. We're filming this on a Monday. Why do you gotta bring this. This kind of mess into it?
[05:19]
B
No. Okay. Okay. Yes, it's the Mondays. But I did get good news that they took me out of investigation. I got approved for unemployment. I'm just waiting for the debit card to come in, which is. Should be this week sometime.
[05:35]
A
You're negative and you're checking it, guys. So you didn't have an emergency fund?
[05:38]
B
I did not.
[05:39]
A
And not having an emergency fund is an emergency. Fun fact.
[05:43]
B
Yeah.
[05:43]
A
Well, you are proof of that as.
[05:45]
B
Yeah, okay.
[05:47]
A
You didn't have anyone to. I know you came here with a boyfriend. He couldn't help. He's not fall back a bowl. Not that I want you to like milk him or anything, but he's not fall back a ball.
[05:56]
B
He is not fall back bull. I've been.
[05:58]
A
Wait, why is that one of the help he.
[06:00]
B
No, I mean, like, so. Yes and no. He has been going through school and I've been supporting us.
[06:07]
A
Oh, you're support.
[06:09]
B
Oh, yes. So I've had like two or three jobs.
[06:12]
A
Both of you on 40. Wait, yeah. Speaking of which, why. Okay, I get you're trying to file for unemployment and everything in here, but you're getting investigated if you're literally in the point where you're getting negative on a checking account. But you. Because you're dying. Because you're dying because you don't have any money. Why not go drop some McFarries for a minimum hour a week necessary to at least make your bills flat.
[06:35]
B
Well, I was working.
[06:38]
A
Also, you spent $601 going out to eat. So I no longer have sympathy that you're negative in checking accounts. Not only for bills. You. You went out and ate. Haha. Yes. That's funny. We can't afford to survive nothing more comedic than that.
[06:50]
B
Well, okay. What? But was it actually like.
[06:52]
A
Yes.
[06:53]
B
How. But like what was it spent on. Because some of the.
[06:56]
A
Oh, we're gonna go through the statements, but they are fast food places.
[06:59]
B
Okay, I can. I can.
[07:01]
A
Or restaurants.
[07:02]
B
I mean, possibly, but I feel like some of those may have not been, like, what the. Rude.
[07:08]
A
Huh? What are you talking about? There's no way I spent $601.50. Actually. Groceries. $173.
[07:17]
B
Okay, well, I mean, what I just really don't understand. I don't think I spent $600 going out. There's no way. There's no way.
[07:25]
A
How's this a think? I think. This isn't an I think. What do you mean? That's not how this works. That's not how this works. We also had miscellaneous bull of $999.06. Again, we're going to go through that also. I just. You just got fact checked, by the way, by the producers. 15 different restaurants.
[07:45]
B
Oh, but like, what restaurants? Because I don't want real statements. Okay, okay. But I will say I'm also paying for two people. Well, no, no, no, no.
[07:58]
A
Stop, Stop for a second. Stop for a second. Let's try to use our. The wrinkly ness in our brain for just a single moment. Why the are you even just paying for yourself going out to eat? But then again, another person. If we are negative in our checking account, I'm gonna hit you with a little fun fact. A little. Just a little morsel of fun fact. $1,000 in overdraft fees this year so far in one account. One account. You do not get to go out to eat. You do not get to go take your friend out to eat. You are overdrafting and you're negative as of now. I didn't know you were negative as of now. I knew you were overdrafting, so I wouldn't have been supported, but I didn't know you were negative as of now. I thought I saw a balance in there as I was going through these before. Apparently not. So in what world do you think you're entitled to go out to eat or take him? What? In what world does he think you should be taking him out to eat? What. What the is that delusion that he has?
[08:53]
B
I think it's just he's too much.
[08:55]
A
Of a come on camera and talk, by the way.
[08:57]
B
Well, I think that I'm also just lazy and I don't want after I've worked two, three jobs in a day, I don't want to.
[09:06]
A
Girl, you work zero jobs right now. What the are you talking about? I'm only talking about right Now, I.
[09:12]
B
Know this is right now.
[09:13]
A
I'm only looking at right now.
[09:15]
B
You think about it. These. This. I'm spending how I used to spend when I was making money. So I'm like, yeah, so usually when.
[09:22]
A
You'Re not making money, you don't spend what you used to do when you make money.
[09:25]
B
I know, but what. You take yourself out of that.
[09:30]
A
Yes, you can. What are you talking about? I mean, what are you, like, a literal baby? Are you like a child that cannot survive without the milk of.
[09:40]
B
Well, I mean, I just think that I'm very, very set in my ways on how I spend my money. I have concepts of a budget in my head, so I think, okay, well, I can spend what I can.
[09:58]
A
You have the concept of a budget. Concepts of a budget. All right, all right, okay.
[10:04]
B
But honestly, I really. I really don't feel like that's that valid. Of. There's no way I spent that much money. Oh, my. I'm like, I really doesn't feel. Shut the.
[10:14]
A
What do I even do with that? That's not. That's not a point that I can even, like, have a conversation with. You can't agree on basic reality, obviously. No, we did have your last payroll hit. Did you get severance?
[10:31]
B
No.
[10:31]
A
Okay, we had your last payroll hit.3834 total for the month. That's not absolutely bad.
[10:36]
B
Yeah.
[10:37]
A
Then, you know, unemployed for a second while as you're waiting for your new job. Okay, so how much did you spend in that month, then?
[10:44]
B
In the most recent month, probably 4,000. Maybe more, maybe less. I feel like it was probably about 4,000, because I do know approximately how much I spend a month.
[10:58]
A
Approximately four.
[11:00]
B
Yeah, yeah.
[11:01]
A
5,592. What the are you talking about? You don't know anything. You don't know approximately? You've never heard of the word approximate? Yeah, approximate is the planet you came from.
[11:11]
B
Well, I. Well, okay. So was it all on? Just like, girl, this is just the.
[11:18]
A
Number that was spent.
[11:20]
B
I.
[11:21]
A
For sake. Here's your little breakdown. I already told you how much went to food. But y'. All, no food. That's not food. Ten, by the way, went to eating out. But guess what? You're right. If it was just if you spent the amount, that was your income. But reminder, you spent, what, 20% more than you made.
[11:43]
B
Yeah, but 10% and, like, 10% of.
[11:45]
A
20% more than you made. Well, so of your actual income. I mean, I can do the math. And also, if you're negative in your chicken account. Yes, 10% is bad. Well, like, in what world do you live in where that's not considered bad? Are you again? I don't know. That just seems so childish. I don't want to just like actually insult you, to insult you, but that is literally like the action of a child of your income. You spent 16. 16 on going out to eat. Okay, well, negative in our checking account. So you like you. You is the only reasonable response. It really is.
[12:23]
B
Yeah. Well, I think that.
[12:26]
A
Oh, let's hear what you think.
[12:28]
B
It's a convenience of it, to be honest.
[12:30]
A
Yes. I know why. I know why. No one's disputing the why. Because you're a lazy. I know why.
[12:37]
B
Taco Tuesdays.
[12:38]
A
Yeah, taco. Make a taco. I know you're white, but you can do it. I believe in it.
[12:43]
B
Like white people. Tacos aren't good.
[12:44]
A
Yeah. Learn then, huh? Google a recipe that's free.
[12:48]
B
Yeah.
[12:49]
A
Well, for sake, self assess. Where do you think you are in the world of finances? 0 out of 10. Where do you think you are? 10 being the absolute best, 0 being the absolute worst. Where do you think you are?
[13:02]
B
I'm going to be a little generous with myself.
[13:04]
A
Why? Why be. Well, before you say it. Why be generous with yourself?
[13:07]
B
Because I really. Okay, I do think I have an idea of how money works. I'm just bad with it.
[13:14]
A
But where do you think your finances are? Not where your mentality is. Where do you think your literal finances are right now?
[13:21]
B
Zero.
[13:22]
A
Yes.
[13:22]
B
Maybe one.
[13:23]
A
A reasonable. A reasonable answer. Thank you. Negative. Checking an account. Absolutely.
[13:29]
B
Maybe a one. Just.
[13:31]
A
Okay. Even still potentially reasonable. If you want your Hammer Financial score, it's free. Link in the description below. You know, check it out. It's fun. You can see where you are and see where you need to improve your life. And if you want to come on the show, by the way, and you are at least willing to accept that you spent $600 going out to eat when I literally have it in front of me. Go to caleb hammer.com apply. We'd be happy to have you here in Austin, Texas. I guess I have to start this because this is a pretty thick stack. We. We had fat stack week here at Financial Audit. It was very fun. And ever since then we've had like three weeks of kind of like thinner stacks, but we're back to kind of a pretty damn fat stack, which is not good news for you.
[14:12]
B
Well, that's. That's why I'm here. Right? Let's. Is that into it?
[14:22]
A
Think about your budget. Rent, groceries, maybe a Streaming subscription here and there. But here's the thing. Are you actually budgeting for the future? Today's sponsor, Moomoo makes it super simple to start investing as a regular part of your budget. So no more putting it off until next month. With Moomoo, you can easily set up reoccurring deposits just like you would for any other monthly expense. By putting a consistent amount of money into your investment account, you're building a steady foundation for the future. It's not about timing the market, it's about compounding habits and and investments in the long term. Plus, Mumu is designed to keep costs low. They offer $0 commission trading on US stocks, ETFs and options, so your money goes towards your investments, not unnecessary fees. It's a solid way to keep more of what you invest and avoid commission death. And here's the best part. New users who join now can take advantage of up to 8.1% APY on uninvested cash with Moomoo's Cash Sweep program for the first three months, plus up to 15 free stocks with a qualified deposit. If I was starting my investing journey or just looking to change platforms, I'd take advantage of this welcome gift in a heartbeat. So if you're ready to make investing part of your monthly budgeting routine, scan the QR code or head to the link in the description. A little consistency now can go a long way towards securing your financial future. Don't miss out on Moomoo's signup bonuses. Either head to the link below or scan the QR code on screen to get started today. Lindsay, I'm genuinely curious. Do you go in there into the green room and like be like, excuse me? I get paid every time you guys say, and that's why I'm here. You tell them to say that because I'm going to kill myself.
[16:06]
B
I will tell them not to say it.
[16:08]
A
Please tell them not to say it because I'm going to die or I'm going to shake you. I'm going to shake your boyfriend as well. I'm going to make sure your tires are slow lashed.
[16:16]
B
No, I literally just had to get new tires. Like I literally just had to get new tires. I'm still paying them off. I don't even pay them off well, I mean, okay, and, and I just got a tire that was. Had a hole in it so I had to go get that repaired like Friday, Thursday, Thursday. But I bought the warranty so that was free. But I had to pay for the the toe to come change my Tire because I didn't have the. The equipment to change my own tire. So I was.
[16:46]
A
Yeah, it's a good joke.
[16:47]
B
It was a hundred dollars, but it would have been free. Would have been free, but it wasn't done.
[16:53]
A
All right. Capital One, Savior one. Happy Monday, ladies and gentlemen. I wonder if this is getting uploaded on Monday. We'll see. All right, you got $2,334.18 over on here. Not a good balance for unemployed, but, you know, relatively manageable balance for someone who's about to make a good amount of money, especially Mississippi, not one of the higher cost states to live in. So 61,000. You feel like you're gonna stretch that pretty decently? Well, probably not you, but the average person.
[17:30]
B
Well, I'm hoping to stretch it pretty decently.
[17:32]
A
Well, helping your boyfriend?
[17:34]
B
No, actually, he has a job now.
[17:36]
A
Is he gonna move with you?
[17:37]
B
He is.
[17:37]
A
If he. If he. Then you can fall back on him.
[17:40]
B
He. But he just got like. He hasn't even gotten paid yet. Like. Got it. What he's doing a paid internship for.
[17:47]
A
Okay. How much is he making?
[17:49]
B
16 an hour?
[17:50]
A
40 hours.
[17:50]
B
40 hours.
[17:51]
A
Oh, okay.
[17:52]
B
So it's really not bad. And it's. It's six months. Six to nine months just depends on.
[17:57]
A
With a relatively good career track at that company, if he sticks around. So he gonna be able to move with you? Four hours away is a long time.
[18:03]
B
Six hours away. But, yeah, he is. He's wanting to move once the internship ends. They have. It's a bank, so they have branches in other areas, so.
[18:11]
A
And then on this card, we have a minimum payment of 80 bucks. These minimum payments are gonna stack.
[18:17]
B
Yeah. Yeah. But.
[18:20]
A
Oh, my.
[18:21]
B
What? Oh, yeah.
[18:23]
A
Creature. I guess it makes sense if you refuse to stop spending and you didn't make anything during this last month. You put the minimum towards it, which was 59 at that time. Wonderful. But you purchased $330, which makes sense. You're just. You're literally hurting yourself. You're pushing it to the limit, to the actual limit, and then there's $57.08. So my favorite question ask is why the are you spending on a credit card that you can't pay off and it's accruing interest.
[18:51]
B
I'm actually not sure what I spent on that card.
[18:53]
A
Oh, come.
[18:54]
B
No, I'm like, being real. I really have no idea what.
[18:56]
A
You better be. No, I get it. Cool. Congratulations. But why are you spending on a credit card that you cannot pay off that is accruing interest?
[19:07]
B
Well, because I know I can pay it off in the future. And all I know the future's now.
[19:11]
A
You're not paying it off. So you. What do you mean?
[19:13]
B
Okay, but like probably said that in.
[19:14]
A
The past it didn't take you, it didn't take you a date. Well, you could have, but it probably took a little bit of time to build up the two thousand dollar balance that was there before the now two thousand three hundred thirty four dollar balance. So you probably told yourself that your future self take care of it. Guess what? Your future self got unemployed. And then you didn't have an emergency fund because you weren't acting like an adult while you were making money. And now you have to move and you can't afford to move and then your future self is just playing catch up. Catch up? Catch up.
[19:38]
B
I'm almost pretty sure that I spent that after I was unemployed. Yes, but like.
[19:43]
A
Yes, we have your most recent. I know.
[19:45]
B
No, but I knew I was going to have another job, so I was. I felt like it was okay.
[19:51]
A
No, you had this previous balance. The previous balance while you had the other job. The other job. So this isn't working. That logic is not filling. You had another job, you had income, but you were not paying it off. So that's not how it works. You're not just paying it off when you get another job because you weren't paying it off when you had a previous job. So what are you talking about? In what world does that logic apply? No, you're allowing yourself to bull yourself. You're excusing yourself to spend money.
[20:20]
B
I mean, I think what I spend is justified.
[20:24]
A
I justified just. You don't even know what you spent on and you're saying it's justified.
[20:28]
B
Well, yeah, because if I spent the money, I think that's justified. Or.
[20:31]
A
But you don't even know.
[20:33]
B
Yeah, but I wouldn't spend the money if I didn't know what it was. Well, you know what I'm saying, Like I wouldn't. If it wasn't justified, I wouldn't spend it, but like spending it. So obviously I spent it for a reason.
[20:45]
A
Insane. Do you realize what you are saying?
[20:50]
B
Yeah, me.
[20:53]
A
But that's not funny. I'm just laughing out of just like, like what the.
[20:59]
B
I mean I. Okay, I understand that I probably shouldn't spin when I don't have a job, but I knew that it was like I knew that.
[21:07]
A
No, you can't laugh with me. You don't know why I'm laughing. I am laughing at you. That is so delusional.
[21:13]
B
Yeah, but that's just how I've always been. I really like, that's just me, so.
[21:21]
A
I know. Okay. Yeah. I made a lot of mistakes too. So I can just say forever. Yeah. This is how I am and around my entire life. What do you mean you're never going to change? Never going to try to better yourself? How long have you been with your boyfriend?
[21:32]
B
Seven and a half years.
[21:33]
A
Okay. It's a decent amount of time. Something tells me we might be together for a bit. Meaning maybe marriage is in the future.
[21:40]
B
Possibly.
[21:41]
A
Meaning you're going to destroy him because you refuse to make any change or progress or maturity in your life. You're 30. Congratulations. You're no longer 20. You cannot make these mistakes like you have been doing. And you certainly cannot make the excuse of this is just how I've. Ben.
[21:54]
B
Yeah, but I've always had a terrible time with money. I know, but I'm just like.
[22:01]
A
Shut your face for a second.
[22:03]
B
I shut.
[22:04]
A
Oh, my. I literally just told you why I don't give a. About the I used to or this is how I am.
[22:16]
B
I know.
[22:16]
A
I don't care. And then you immediately go back to that after nodding your head.
[22:21]
B
Yeah, but I'm so co. Like, obviously here to change those.
[22:25]
A
No, that's not.
[22:26]
B
But I've had those habits for so long. It's so hard to like, get out of that because I've been here before. Like, I've done. I've. I've racked up. I've paid it off. I've racked up. I paid off. I rack up. And just. It's a vicious cycle that I can't, Like, I'm not breaking. So. Okay.
[22:43]
A
Why do you think you haven't broken it?
[22:45]
B
I. To be honest, I just think I feel like I want it. So, like, if I want it, I. I'll get it. Like, I don't have any way to. I don't know. Yeah. I just don't see that cycle.
[23:00]
A
Not even addictive things. This is. Or coping or anything. It's just like I want.
[23:04]
B
So I get pretty much.
[23:06]
A
I mean, so, like, do you want to retire?
[23:09]
B
Yeah, but I have.
[23:11]
A
How much is in your retirement?
[23:13]
B
25,000.
[23:14]
A
Okay. You're behind for retirement.
[23:16]
B
Yes, but I took out on a.
[23:19]
A
Home with the boyfriend.
[23:20]
B
Future husband, possibly. I do want a home.
[23:24]
A
Okay. Maybe not with him.
[23:26]
B
Well, no, like, I do one with him as well. I just don't want to get married being in the financial situation that we're in.
[23:34]
A
Okay, so you want to change it. Yeah, but you want that? What? I want more at the.
[23:40]
B
When I'm. When I'm doing the purchase. Yes. Like, I don't think about the future. I just think like, oh, my God. I just. I like the way that looks. I want to get it. I don't know about the repercussions. I just do it.
[23:52]
A
Yeah.
[23:53]
B
So I could see that. Yeah, that's right. I also have a really, really bad time of, like, that, like, FOMO feeling. I don't want to, like, miss out on stuff.
[24:02]
A
You know what this means, though? We. What this actually means for you is, okay, maybe that is you, and we just have to accept that part. But you can't have access to credit cards then, because that is the most dangerous mindset to have. When you are given unlimited money, pieces of plastic, you can spend infinite. And then you can. You just self confess. It'll go down, then it goes up. And it'll go down, then it goes up. You are not a credit card person. You need to use, like, a debit card that builds credit. Like the fizz card. Do that. I recommend it to all the guests unless they're really bad. But I think you, with at least your understanding or in desire to get out of it, you could use a resource like that, man. You just. Not a credit card. You can't have access to credit cards. You're going to credit, but you need to close the account.
[24:47]
B
You know what? The thing is, I paid off. I paid off my credit cards and I cut them up. Like, physically cut them up.
[24:54]
A
When? How many? All them.
[24:56]
B
Before I got laid off? Yeah.
[24:58]
A
Oh, you didn't build all these up since you got laid off two weeks ago.
[25:03]
B
A month ago.
[25:04]
A
Okay, a month ago. But you did not build up literal tens of thousands.
[25:09]
B
Well, I did. I took a loan to pay them off. I don't know how much I actually racked up.
[25:15]
A
Are you saying when you paid them down, you took a loan?
[25:17]
B
Yeah, like, I.
[25:18]
A
You didn't pay them down, lady. Lady. You didn't pay them down. You just moved the debt somewhere else. And then you built them right. And then you. Then. Then you built them right back up again. If we met. If I met with you before that, I would have said, do not do the consolidation. Consolidation is great for a lot of people, but not until you build the discipline that is necessary to actually get out of debt, because then you will have proven to yourself that you will not get into it again. You didn't actually pay off any cards. You moved it. And because you didn't address any of your actual behavioral problems or understanding of what a credit card is. You just built them all the way back up again. You yourself, we should have met a.
[26:03]
B
Month ago, but I took that loan out before I knew I was getting laid off. So it all kind of like that doesn't matter.
[26:10]
A
Regardless, you didn't change your. You wouldn't change your behavior if you weren't laid off.
[26:14]
B
Well, no, that's what I was saying. I obviously didn't change because I cut up my cards physically. But then I used my digital cards.
[26:22]
A
And people wonder why I say close the account sometimes instead of just cutting them up. That's why everything's digital now for sake. Close the account. Log in, call them. Close the account. You cannot have access to these. You cannot. You are irresponsible. You speak like a child. You do not understand anything about money. You have no respect for debt. You have no respect for debt. You cannot have access to it. Yeah, okay.
[26:46]
B
Okay.
[26:47]
A
It saves you. It saves you and it saves your future relationship. It saves the goals that you have.
[26:53]
B
Yeah. And I do. I have goals. And that's why, like, I feel like.
[26:57]
A
What are some of the goals?
[26:58]
B
I want to buy a home. I want to be financed. I don't want to like, worry about have how much I have in my bank account anymore. Like, I want a stress free life. I don't want to have that.
[27:09]
A
I wake up in a banking account because you have nothing.
[27:11]
B
Yeah, well, nothing. But yeah, I just like, I don't want to like go through and be like, oh, I have to buy gas. Like, I wonder if it's going to overdraft my account. I don't want to feel like that anymore.
[27:24]
A
You don't look sometimes if we're, if we're older, everything, a thousand times in a year. Looking should be a basic minimum requirement.
[27:34]
B
Yeah, I, I mean, okay, so with retirement, aspects of retirement, I do want to retire and I do and I look at my retirement account. But the reason why it's so low is because when I was in my previous debt situation when I was in my early 20s.
[27:55]
A
Okay.
[27:56]
B
I closed out my 401k and used that to. I just closed it out, though. I didn't like take a loan on it. I just took the money and then I had to pay like a ton of taxes.
[28:07]
A
That's probably worse.
[28:08]
B
Yeah.
[28:09]
A
Than taking a loan out on it.
[28:10]
B
But ever since then I like, don't touch that because I know that's.
[28:14]
A
When did you take it out? How much was it? How much did you drain from your 401k.
[28:18]
B
Oh, I don't know.
[28:20]
A
Bingo. Here we go.
[28:21]
B
That was a long time ago. It was like, 10 years ago at least. So I was probably 20. Yeah. Yeah.
[28:28]
A
How much money did you have in your 401k at 20?
[28:31]
B
Probably like 10,000. Yeah, it was dumb.
[28:34]
A
That's incredible. That 10,000 would have been like, what, 25, 000 by now?
[28:39]
B
Yeah.
[28:39]
A
Your retirement would have been double. Double.
[28:42]
B
Yeah.
[28:43]
A
But you'd actually been on track for where I wanted you. Actually, for your previous income, you would have been right on track for retirement. You're halfway there now, but you would have been right on track. And you mean previous. Are you saying you've paid off debt previously before. Before the consolidation as well?
[28:58]
B
Oh, yeah. I've had a few, like, consolidation loans before.
[29:02]
A
How many times have we been through this process in your life?
[29:05]
B
At least. At least three that I remember.
[29:09]
A
What is different this time? What the. I know we're talking, but what is actually different? Because we can go through this whole thing, but.
[29:16]
B
I know, but I feel like. I feel like I've made. Like, I have. Okay, maybe it doesn't reflect that I've made the changes, but I've made the changes. Like, I feel like I'm ready to.
[29:28]
A
Like, girl, you know, you're negative in your checking account. You're spending $600 in a single month. When you're on a plane making no money, going out to eat. What the are you talking about? This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space. Online, we have our budgeting program, where I teach you how to create, manage, and revolutionize your budget and control your money. And then there's the investing program, where I teach you to define what investing profile applies to you and your life, and then teach what specific investing strategies apply applies to you in that situation. And now, finally, we have our debt program, where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes, and they've literally changed their lives for the better. And finally, you can, too, at a more affordable price. Head to caleb hammer.com or click the link in the description below. You will not regret this. I mean, in no world is there change in here. Unless change for the worse.
[30:47]
B
When you put it that way, it doesn't sound as good.
[30:49]
A
Yeah, when I reflect the reality of.
[30:50]
B
Existence in my head, it sounds good.
[30:52]
A
I don't care about your head. I give a about what you do.
[30:55]
B
Yeah.
[30:56]
A
What?
[30:57]
B
Yeah, but like, that's why I'm here is to change that, right?
[31:00]
A
If I walk by someone in my head, I'm thinking, oh, this person. Person looks nice, let's just keep walking by them. But in person, I punch them in the face. I still punch them in the face, even if in my head I was doing something nice. So I don't give a about what's in your head. I give a about what you actually do.
[31:16]
B
Yeah, I think I just.
[31:18]
A
You want to know what you spent in this account? It was probably necessary, right? Because you know, you were just saving. You're just surviving. Spending a certain vibe, right? Simply sweets, something there.
[31:31]
B
Oh wait, I do know what that was for. Uh huh. It was a hotel. I went up to the job fair to get my job that I'm going to have.
[31:37]
A
That's okay. Cracker Barrel.
[31:40]
B
Okay. Well, I was traveling, I was hungry. And their biscuits are good.
[31:44]
A
Huh?
[31:44]
B
That's a six hour old sandwich.
[31:47]
A
Pack some crackers. You're an adult pack of thermos. Are you like stupid? Well, what are you doing? Do you not know technology that has existed for the last 50 years?
[31:55]
B
Yeah, but they're like biscuits. Biscuits are good.
[31:57]
A
Yeah, their biscuits are good. Not having negative balance in your checking account is also pretty good. Being able to have the adequate amount to retire is also pretty good. Being able to afford a down payment on a house is also pretty good. Having a credit card that we can pay off is also pretty good. There's a lot of things are pretty good. All that stuff is sticking around these biscuits.
[32:14]
B
They're sticking.
[32:16]
A
No, that's been pushed out Months, weeks ago.
[32:19]
B
Yeah.
[32:19]
A
Okay. And then brick and spoon. We really needed to spend $95 a brick and spoon.
[32:26]
B
Yeah, that was a like birthday brunch for my boyfriend's mom.
[32:32]
A
Happy birthday, boyfriend's mom. Let's have boyfriend pay for like a big boy.
[32:36]
B
That was also us. Like we.
[32:38]
A
Hey, hey, hey, hey, hey, hey. You have negative money in your checking account. It doesn't matter what you were about to say. I don't care. I don't care.
[32:50]
B
I. But. Well, it's just.
[32:51]
A
Well, you're gonna well me from that.
[32:53]
B
I'm just saying it's. That's like. It's justified. That's why I'm literally not.
[32:58]
A
You have. Hey, you have paid $1,000 to the bank for not having enough money in this, this, this year in one checking account. And you say this is justified? You don't know what justified is.
[33:09]
B
Yeah, they're. They're like overdraft fees are expensive though. They're like $35 each time. It's a lot.
[33:17]
A
That's your takeaway from this girl? You're a literal. Please never have a child.
[33:22]
B
Oh my God. No, I don't plan on that.
[33:24]
A
It's not yet. Unless you become more mature at some point.
[33:27]
B
No. Well, I like my freedom. I like being able to do stuff.
[33:30]
A
Well, you're certainly utilizing the freedom to get.
[33:33]
B
Yeah, I like going places and eating things.
[33:38]
A
I know.
[33:39]
B
Obviously.
[33:40]
A
Look at both of us. Yeah, we eat. Okay. I don't know how you. I guess you're cope laughing your way through this, but you just sound delusional. You've lost. Oh good. You've had in. You've had fees this year, meaning you probably missed payment or you were late on a payment at some point this year. Cuz that is a missed payment fee if I've ever seen one. Also $605 interest on one of many credit cards we are going to go through.
[34:04]
B
My interest is pretty bad on the.
[34:06]
A
Yet you are still spending on it more and bringing up the balance more, making the interest even more. No, you don't get to have like. Yeah, the interest is pretty bad. You're making it bad. You are doing this. Well, what.
[34:16]
B
I mean. Yes, you can't.
[34:17]
A
Well me. Well what?
[34:19]
B
I've asked them to lower the interest.
[34:21]
A
Why would they. They don't owe you that. You're not entitled to that. They're a business and you're making them money. You're being stupid and being taken advantage of and that is your fault.
[34:29]
B
Well, I think that I. Okay.
[34:33]
A
I don't trust anything.
[34:34]
B
You think I understand my spending is bad.
[34:38]
A
No, you don't. You didn't know how much you were. You didn't know what you spent on this card and you didn't. You. You refuse to accept the $600 you spent going out to eat when one of those purchases was nearly 100 bucks. So you, you don't know anything, but go ahead.
[34:48]
B
Well, okay. So I didn't know that that was like all encompassing all of my. I thought it was maybe just my checking account, but it was. I didn't realize it was all of my accounts that I spent that much money.
[34:59]
A
What were you saying?
[35:00]
B
I don't remember. I don't remember.
[35:04]
A
Blue. The color of my face after this conversation.
[35:09]
B
It's my favorite color.
[35:10]
A
Must be because you love giving them a lot of money.
[35:14]
B
Oh, they're my lower interest rate, though. They're my lowest interest rate.
[35:18]
A
You know, that doesn't even matter because you're literally above the credit limit on this card. Are you kidding me? We have two cards in and we're already talking about that. Me? Dude.
[35:28]
B
Yeah, this.
[35:29]
A
You. The last card was disaster much. It doesn't matter. You're over the. You're under the limit in. You're right. You wouldn't have any sense of understanding about that. Yeah. Like, you're okay with being under your limit, you know, minimum limit and a debit account, you know, why would you care about being over a credit limit on a credit card? Why would you, Like, I don't even know. You are in such a different world in reality than the rest of us. I don't know how to make this seem like it matters.
[35:58]
B
Yeah.
[35:59]
A
Like you don't even realize what's happening. Me, blue. Yeah. 1000. 9.23. Fun fact. Credit limit. Thousand. That means you're over.
[36:12]
B
Yeah, that was probably just like, the interest, though. That. That put it over.
[36:16]
A
Whatever puts it over. It doesn't matter if you put it at the max and then you don't make a payment and then the interest hits, it goes over. Okay, listen, if you put it. Listen, if you put it towards the max and you make your minimum C payment, it's never going to go over because Your interest is $9.41 $0.03. But. But if you're not spending money, your minimum payment of $20 is going to make it go down, even if slow, even if only $10. So. No, that's not exactly what we put it over. You spent $305. $305. You pushed it to the actual. Huh. Huh?
[36:46]
B
What?
[36:46]
A
Huh? You don't know what you spent on this card either? Do you not know what you spent anywhere on anything? Girl, this was literally a couple weeks ago.
[36:53]
B
Yeah. No.
[36:54]
A
Do you know anything about your life?
[36:55]
B
I really don't, like, keep track of it, so I don't really.
[37:00]
A
Me. This world.
[37:03]
B
Yeah. I'm just so used to, like, this world. The people sliding my card.
[37:08]
A
No offense, but this is just like.
[37:11]
B
I just slide my card and I'm like, boop.
[37:13]
A
I know how credit cards work. Okay.
[37:15]
B
I just, like, don't think about it. Like, I Just, I know, like, I know that I'm going to have the payment, so I just spend it.
[37:23]
A
But sometimes you don't have money in your checking account and then the payments are due, as in you had a late fee on that last credit card.
[37:30]
B
Did I?
[37:30]
A
This. And within the year.
[37:32]
B
Oh, okay. Probably.
[37:34]
A
No, you just. You don't even care.
[37:36]
B
No, I mean, like, I do care. I do care. I mean, I'd rather not pay a fee, but if it happened, it happened. I mean, what do I do with that? I mean, what am I supposed to do for. If it happened, it happened. I can't change it. I mean, I can change it technically in the future, but I can't go back and change it. That's not how that works. Unless I call them and ask. Oh, shut the do that.
[38:03]
A
I don't even know, man.
[38:05]
B
Okay, but what was annoying.
[38:06]
A
Shut the up, Kendall. McDonald's went inside, got a drink from Circle K, Amazon books, a million also. Then some, like, pet smart stuff in Walgreens stuff and. Yeah, and then some gas as well.
[38:19]
B
Yeah. So some necessities.
[38:21]
A
Some. Some, well, Walgreens, you don't really know. Did you get $48 of medication?
[38:26]
B
Yes, actually. Yeah, that was. Yeah.
[38:28]
A
Okay.
[38:28]
B
Yeah. So Walgreens was actually like, me over because they were not charging my insurance. They were charging my good Rx and it was more expensive and I didn't know.
[38:38]
A
Why didn't you give me your insurance?
[38:39]
B
No, they had my insurance. They just weren't filing under it. And then I was like, okay, well, thanks. Y' all have cost me a lot.
[38:45]
A
Half the purchases on there were, so. I have no sympathy.
[38:47]
B
Well, I'm just.
[38:48]
A
You were still choosing to spend all the extra money. That was more than that.
[38:52]
B
Yeah.
[38:53]
A
I throw words from this conversation. We're not even 40 minutes in. It's going to be a long one. Quicksilver one. I swear, if you're over the limit on this one.
[39:05]
B
I think. I think I might be. No, no, I'm not sure what my limit is.
[39:10]
A
No, you're not.
[39:11]
B
Okay.
[39:11]
A
Oh, for sake.
[39:12]
B
I don't know what my limit is on that.
[39:14]
A
Oh, that's dangerous. Again. It's just one of those things where.
[39:16]
B
Look, look, I know, but look, I have three of them. So I'm like, look. Yeah, just look.
[39:23]
A
Once.
[39:24]
B
Look, I just try to avoid it, cuz it.
[39:29]
A
Yeah, but it's not working. How. But don't you get more stressed? The fact that you owe more money and extra fees and more interest? What do you mean? That would stress me out more.
[39:38]
B
Yeah. I mean, yeah, that is a lot of stress.
[39:41]
A
You got a balance of $3,167.50 on here with a minimum monthly payment of $119. Kill me now. Sake. Oh, fees. This month. This month. Fees. $45 of purchase is great. $39 of fees and 85 cents of interest and fees.
[40:00]
B
I don't know what that's from.
[40:03]
A
You don't know anything about your own finances. You don't. So you trust me. I'm not even gonna ask you. I don't think you know what you spend. You didn't know fees. You know anything. Listen, I just like everyone else, I'm gonna put you through our budgeting class, our debt class, and our investing class so you can actually learn the skills and all these things. I don't think you're gonna even go through them based on this conversation. Y' all can go through them. Tens of thousands of people have changed their life. You can. It's all bundled together, 25% off. Hey, I am pitching right now. Come on. Don't interrupt the pitch. What?
[40:33]
B
I will go through them.
[40:35]
A
Please do. Because you actually get them for free.
[40:37]
B
Okay? Because I actually did the Dave Ramsey thing. I was doing like I did the snowball, and it didn't really work. But it didn't work.
[40:47]
A
No, no, no, no, no. Hold on, hold on. I'm going to interrupt you.
[40:49]
B
Okay?
[40:50]
A
This might be a very interrupting episode. I apologize. As if it is. But I also don't really give a. So never mind. I don't. But the thing is. What do you mean it didn't really work? Because that's not how that works. It didn't really work. The way you're going about it, probably.
[41:01]
B
Yeah.
[41:01]
A
What do you mean it didn't really work? What's didn't really work? Do you even know what snowball is? What didn't work? Go ahead and tell me.
[41:06]
B
Yeah, so I would, like, pay them off, and some of the stuff I like paid off and kept paid off.
[41:14]
A
What is snowball?
[41:16]
B
Oh, so where you take, like, your lowest balance and you pay that off and then whatever your minimum monthly, and then you add that to the next, and then you like all that. Yeah. And I know that.
[41:28]
A
So what went wrong? What didn't work?
[41:30]
B
My spin. I just like. I spend.
[41:32]
A
You're spending. That isn't of the fault of the snowball.
[41:36]
B
That's what I'm saying. It didn't work.
[41:37]
A
Whatever method. No, it didn't work for you because you're a child and you have no discipline. You don't on a budget because you can't stick to anything to save your life. What does the future hold for business? Ask nine experts and you'll get 10 different answers. Is inflation going up or down? Or will rates keep getting cut? Can someone just create a business crystal ball so I know what's going on? Until then, over 40,000 business owners have future proofed their business with the sponsor of today's video, NetSuite by Oracle. The number one cloud ERP bringing accounting, financial management, inventory, HR all into one fluid platform. As a business owner, your time is the most valuable resource. Stop wasting it. Managing Multiple platforms with NetSuite's One Unified Business Management suite, there's one source of trust. And with tools like real time insights and forecasting, you're peering into the future with actionable data, giving you the visibility and control you need to make quick decisions. When you're closing the books in days, not weeks, you're spending less time looking backwards and more time on what's next. Whether your company is earning millions or even hundreds of millions, NetSuite helps you respond to immediate challenges and sees your biggest opportunities. If I was trying to unify my business and cut down on operational costs, it's exactly, exactly what I'd use. And speaking of opportunity, download the CF Goes guide to AI and machine learning at netsuite.com hammer if you're trying to stay one step ahead, it's a no brainer. The guide is free to you@netsuite.com Hammer so head to the description and check it out today. Thanks to NetSuite for sponsoring today's video. Let's get back into the episode.
[43:10]
B
Yeah, well, that could pot. I don't, I don't feel like that's it, but it could be feel.
[43:15]
A
Well again, why the does feelings matter? This is just your numbers. What else would you feel? Feel. This is what's being presented to me.
[43:22]
B
Yeah, I also just have like.
[43:24]
A
Oh, oh, dodge that one. Okay, that just flew over her head. Great. She'll laugh about it too.
[43:29]
B
I just feel like sometimes it's necessary spending to have, you know, it's just like little sweet treats and girls and.
[43:37]
A
Sweet treats are not necessary spending girl. Stop with the sweet treat nonsense. Stop with that. Stop with that. Stop. You don't need it. Amazon. Amazon and Stan McCann McCarten Chicken. I don't know. It was a restaurant. Yeah, yeah, you don't need that. I don't think you know what the word need means. Need is. You need it.
[43:57]
B
You need it.
[43:58]
A
It Is critical. You need housing. You need utilities, sustenance.
[44:03]
B
It's food.
[44:04]
A
It is food, but you did not need it. You could have gone to the groceries.
[44:08]
B
Yeah, yeah. Well, I mean, yes, but it's hard to find time to go grocery shopping when I'm like working so much.
[44:15]
A
You have.
[44:16]
B
No, no, I'm not working.
[44:19]
A
This is in the time. You're not working.
[44:23]
B
Yeah, you might be right. But. But I'm saying this guy that is depending on you.
[44:29]
A
Huh.
[44:29]
B
School. He's doing school.
[44:31]
A
How much school he.
[44:33]
B
A lot. Like, he's doing all this. He's got his like, certificates.
[44:35]
A
How many hours a damn day?
[44:37]
B
Oh, I don't. I'm probably like. I don't know. I was working, so I'm sure.
[44:41]
A
Okay. How many hours a day were you working?
[44:44]
B
Well, it depend if I worked one.
[44:46]
A
Oh, average. Dude, come on.
[44:49]
B
You're meeting, oh, like 40 hours a week. So like eight hours. Well, it was like 9:40 a week total across one job. No.
[44:55]
A
Okay. Everything. How many?
[44:57]
B
Probably like 60.
[44:58]
A
Okay. You could have gone to grocery store. It would have sucked. You may have done a curbside pickup for even a little bit more money. Even if you had to do that, it is still beyond more when it comes to savings of meal prepping. Okay. Not that I would even want you to do that because you can go in and out. You know where things are in the store.
[45:14]
B
Mm.
[45:15]
A
Just run the children over and push over the old ladies in the wheelchairs. It doesn't matter. Just get your and go. Okay.
[45:23]
B
Mississippi has really high grocery tax. We're the highest in the nation. Yeah, we're the highest in the nation. Swear we're like 7% or something on groceries. Yeah, we're the highest in the nation. It's ridiculous.
[45:36]
A
Yet it's a failed state in every other way.
[45:38]
B
Really? Yeah. Yeah. You would think with how many people are like insecure about food, they would actually do something to like help, but they don't care.
[45:47]
A
Groceries are subject to the full state tax of 7. That's crazy. Where I come from, Michigan and here in Texas, groceries are in tax.
[45:53]
B
Yeah, that'd be nice because my. Actually I used to live in a different state in my grocery bill almost tripled when I moved back home.
[46:02]
A
Yeah, 7% tax on groceries.
[46:03]
B
Yeah.
[46:04]
A
Actually pretty crazy.
[46:05]
B
So it sometimes honestly is cheaper to just go somewhere else. I am.
[46:09]
A
No, that's. No, no. Because when they buy their Prudos produce, it's still. They're getting taxed too. Like, that stuff is still being passed on to you and Then you got the wages you're paying for of all the people that are cooking the food and cleaning the restaurants. And you get a little bit of that at the grocery store as well, of course. But you get. No, it is not. You cannot mathematically justify little 7% bump in your grocery prices. Are not.
[46:30]
B
I also buy like, I'm like an organic. I buy like. I don't give stuff, so it's always more.
[46:35]
A
Why don't.
[46:36]
B
Yeah, well, also, I solved it. I like to have like my vegan cheese.
[46:41]
A
Girl, you spent a hundred dollars on groceries. You're not going and getting groceries. So what are you talking about?
[46:46]
B
A long time, huh? Groceries last long because you eat out for every meal.
[46:50]
A
Yeah, you. I swear, everything you're saying is the stupidest thing I've ever heard. Don't. You don't have to go the expensive route. Yeah, you don't have to. It's fine. Fine. Just don't. Like. If you want relatively healthy, just don't go over the overly processed stuff. So he's making. Is he done with school? Doesn't matter. Anyway, listen, if he wants a course cruise, because I know he's going into like, cyber stuff. If he wants certification through course careers, we can gift that. Okay. As you guys. Because you already landed a job and he wants to get another job. So course cruisers are a great partner.
[47:26]
B
And I have my degree.
[47:27]
A
Better pay.
[47:28]
B
I have my associate's degree. So.
[47:30]
A
Okay. Yeah. So if he wants it, even though he's too much of a even be in this room, he can have it. Okay.
[47:37]
B
Thank you.
[47:39]
A
You're welcome. Oh, good. Save your one.
[47:42]
B
Okay. That one's not too bad.
[47:44]
A
I haven't looked yet.
[47:45]
B
I don't know, but I think about. I think compared to what the limit is, it's bad.
[47:52]
A
Yeah. I mean, you're. You're 75 to the max.
[47:55]
B
Yeah.
[47:55]
A
Yo. $714.79. It's still. But you're still purchasing. You're still purchasing. That's the thing. That's all that matters, man.
[48:06]
B
Spending early.
[48:08]
A
You think that's cute? Cute? That's disgusting. Shut up.
[48:12]
B
But honestly, just really don't know what I spend.
[48:14]
A
What an embarrassment. Stop. Stop. Look at yourself. Stop. No, that's not funny. Spending girly isn't cute.
[48:23]
B
I mean, not.
[48:24]
A
You're just destroying your life. And that is not cute. That is not a good trait.
[48:29]
B
Huh? Like, it's not.
[48:30]
A
Shut the up.
[48:32]
B
I mean, maybe not like cute, but it's reality.
[48:35]
A
Like, no, that's why I'm reading The numbers, you dumb piece of. Yeah, of course. It's reality. Are you pissing me off? You 700, you. That's so stupid. That pisses me off so much. God. And I'm probably being a dick right now, but I don't really. I don't care. That's so dumb. That is so dumb. Shut.
[48:58]
B
Well, let's see what I actually spent it on before we go in.
[49:00]
A
And we've seen her spending so far. It doesn't even matter. You've already overspent on stupid bull and 18.56 of interest. That's cute. It's a good personality trait. Your boyfriend even know this about you? Does he know your debt situation?
[49:16]
B
I think that he does to an extent. I don't really tell him that much about it.
[49:26]
A
What? What do you think he knows? Dude, for sake.
[49:29]
B
I don't think he really knows, like, what my credit cards are at and.
[49:34]
A
We can't inform him.
[49:35]
B
Great. No, Well, I also just, like. It's embarrassing. Like, I don't want to say it.
[49:39]
A
It's in app from app. Mapple or subscriptions. Who knows?
[49:43]
B
What is that one?
[49:44]
A
Might be storage for iPhone or icloud. Who knows? But you got two Apple things.
[49:49]
B
I don't know what that is.
[49:50]
A
Pull up your subscriptions on your iPhone. She's going to have, like, a Grinder subscription or something. Can't believe you lost $25,000 you took out.
[50:02]
B
Wait, why is that?
[50:03]
A
No, $10,000. That could have been 25,000 if you.
[50:07]
B
It's not coming up.
[50:07]
A
Oh, my gosh. It's crazy. It's crazy because, like, doubles every seven years. It would have been about $25,000. I'll show you. Dude, sake.
[50:19]
B
I was typing it in.
[50:20]
A
You don't know how to navigate your phone.
[50:22]
B
I was typing it in, but it wasn't coming up. I don't ever go there. I don't ever look at my subscriptions.
[50:28]
A
You pay for Apple Fitness Plus?
[50:29]
B
Yeah, I got my watch.
[50:33]
A
Sure do. That's it?
[50:35]
B
But I work. Like, I work out. Like, in my house.
[50:38]
A
I work out, too. I don't pay.
[50:40]
B
No, but I use, like, the videos. Like the guided videos and like, a meditate and stuff.
[50:46]
A
Okay, okay, stop.
[50:48]
B
Oh, okay. See? Yeah, I only have one. I don't know what those are for then. I really don't know.
[50:52]
A
That means likely in app purchases.
[50:53]
B
Yeah, probably.
[50:54]
A
Okay, possibly.
[50:55]
B
But I use the fitness.
[50:57]
A
Oh, my God. I always think. There's, like, a moment of silence for me to just think, and then you say something and your Voice irritates me so much. Much. This is a weird job.
[51:07]
B
That's just your opinion.
[51:10]
A
I'm going to die. This is the weirdest job. Just going to let you guys listen to a little secret of life here because I just want to vent for a moment as before we continue because I'm dying. This is the job. And it is an absolutely amazing job that I get to show up and I get to do this. And I love almost every aspect of the job. I really do. It's so cool. But when I just sit here and I talk to someone like this, I hate this right now. I really don't like this. Because you are not reasonable. You are not mature enough to have this conversation. And you came on applying from the audience position so there would be some reasons. You came on because your debt is good and you seemed like you were able to talk, meaning we allowed you to come on the show. Show. Now I'm sitting here, it's 45 minutes, my throat hurts and I hate this conversation. It doesn't have to be. You are just so. Just don't get it. It's you. You are just so immature and incapable of just existing in reality with the rest of us. And this is miserable.
[52:21]
B
Again, opinion. I don't think I'm that immature. I don't feel like I'm that immature. I just, just know. I know what I'm doing when I do it. I just do it anyway. You know what I mean? Like, it's not. Listen, like, okay, listen. Okay.
[52:39]
A
If they didn't put so much work into this episode and if we didn't spend thousands of dollars to produce every episode, get people where they need to be and all this stuff, I would kick you out right now. I, I. You piss me off. You do not exist in reality. There is no way. I refuse to believe that people are like you. I refuse to believe it. Listen. You're just so delusional, but you're just not willing to listen. Then you're just so not arrogant. I don't know the word, but things just deflect off you. You're just taking this like a reasonable adult. It could be different.
[53:18]
B
I mean, I'm digesting and I know.
[53:19]
A
People will find it interesting. What they don't know though is that it's like literally just two people who come in a room who have not met each other, sit down and start talking about their money and give their damn opinions. This doesn't have to be this way. You are killing me. Doesn't matter. I'm just Venting. I'm angry. I'm angry. I'm angry. I'm angry, and I'm going to keep going. This is why people take up a. On addiction.
[53:47]
B
Well, that's a little far.
[53:49]
A
What is?
[53:51]
B
Okay, the Delta, that's my tire.
[53:52]
A
What is this?
[53:53]
B
Oh, a firm. Oh, wait, a firm. Yeah.
[53:56]
A
Okay.
[53:57]
B
Yeah.
[53:57]
A
Well, no shock with your spending.
[53:59]
B
Yeah.
[54:00]
A
You have a firm. Wait, wait, why'd you have Delta?
[54:04]
B
Delta? Those are my tires.
[54:06]
A
Oh, not. Not playing. No. Okay.
[54:08]
B
No, no, I had. Those are my, like, Delta tires. Yeah. I had to buy tires.
[54:11]
A
Okay. Taking that moment's event.
[54:13]
B
Yeah. They were literally bald. They're just smooth when I got them. So.
[54:19]
A
Not as bald as your boyfriend, but they'll never see proof of that.
[54:26]
B
Well, yeah. Affirm. I'm like an affirm.
[54:36]
A
Can you just put up, like, an AI generated picture of a bald man and make them think for, like, five seconds that that's what he looks like back then? That'd be funny. And you can leave this part in as well. Got your audience.
[54:49]
B
Yeah, I'm just like. I really enjoy affirming things.
[54:53]
A
Enjoy. Wait, why is it a feeling? Oh, please don't. Let's not. You don't have. You did not just say those words. Enjoy. What do you mean, a joint? I understand if you were like.
[55:04]
B
Because it's like.
[55:04]
A
Even if you said I have to affirm, like, I. I would have pushed back, but I enjoy affirming. Enjoy. Like, it's a feeling.
[55:12]
B
What.
[55:13]
A
What are you saying?
[55:13]
B
That instant gratification of like. Okay, I may not have the money, but I know I get paid two weeks so I can make the payment. They're. They're like my little besties.
[55:23]
A
They're your little besties?
[55:24]
B
Yeah.
[55:24]
A
No, you're their bestie because you have a 27.37 interest rate. You're making them money. You are why I think they went public. Right. And why. I'm sure they're doing pretty okay because of people like you.
[55:36]
B
That's not affirm, though. That's my Amazon. That's my Amazon card. It's my Amazon credit card. That's just my affirm. Right. I actually don't know now that I'm.
[55:48]
A
It all looks like a firm to me.
[55:49]
B
Oh, it might be.
[55:50]
A
It's a firm.
[55:51]
B
Do I have.
[55:51]
A
It's a firm.
[55:52]
B
Oh, yeah. Oh, that's my Apple Watch. Yeah.
[55:56]
A
What?
[55:57]
B
I bought that as a graduation gift. For me? For myself.
[55:59]
A
Graduate August. Wait, graduate with your associates?
[56:04]
B
Yeah.
[56:05]
A
In what? Oh. Oh. What's wrong with the county? Just based on stupid with numbers.
[56:13]
B
Yeah, right. So. But yeah, no, me and me Amazon, we go way back where I. Yeah.
[56:21]
A
Most of us do. But you can do it in a controlled way. I Amazon a lot of things.
[56:24]
B
I'm pretty sure I'm just bankrolling Jeff Bezos life.
[56:30]
A
You're a little comedian, aren't you? A funny little girl. You think this is cutesy? I hope your boyfriend watches this back and feels disgusted. That was mean. That was mean. But I just like. Usually I'm a bit more roasty and cunty, but I just feel mean right now because just I don't enjoy your presence.
[56:48]
B
I'm just a little baby. I have no money. I just have blocks.
[56:51]
A
You really are trying to be funny.
[56:53]
B
No, I just really like that. That meme. That's funny. I like the meme.
[57:00]
A
Oh man.
[57:02]
B
Guys, I can't pay you. I just have.
[57:04]
A
Will you shut the up. Oh God. Just keep going. Oh, are you. My brain is like swimming in liquid right now. Just trying to like. What do I even do here to get out of this? Or something. Can I leave this conversation? I keep you on your tires. 35.97% interest on them.
[57:31]
B
Oh really? I didn't know that.
[57:32]
A
You don't know anything cuz you don't look at anything. Why would you know anything? You think you would know anything. You don't know anything until you look at things. You don't know what you're talking about.
[57:39]
B
I didn't. I thought it was supposed to be interest free. Like I really did think it was supposed to be interest free. Honestly, I thought it was.
[57:47]
A
You probably extended the term or something because sometimes they'll do interest rate for like three months. But if you say, no, I want to do this for a year, it's like possibly.
[57:56]
B
But they were so expensive. Tires are stupid expensive.
[57:58]
A
And if you had an emergency money, you would have been.
[58:01]
B
Yeah, well.
[58:03]
A
Well what? Huh? Well what?
[58:06]
B
I mean, yes, but.
[58:07]
A
Stop whiling at me. Are you creating videos as a full time creator? It's a grind between scripting, editing and oh, all those endless little tweaks. And sometimes it feels like taquitos would be honestly a better career choice. But that's where Today's sponsor, InVideo AI comes in. With over 10 million users across 150 countries, InVideo AI is the world's most used AI video creator. I remember hearing about other generative AI tools. What feels like ages ago. And when I recently looked, most of them aren't even available to the public yet. But in video AI v3 is going to be available for access soon all across the world. It's the only tool that'll truly put you in the director's seat. So here's how it works. To start, you enter in a detailed prompt. For example, make a one minute video of the story of a robot named Nexus in a cyberpunk setting that wants to escape the Matrix. In the neon lit labyrinth of Neo Tokyo, a city where the line between man and machine blurs, there existed a robot named Nexus. Show an up close shot of the robot's face with glowing blue, blue eyes. He possessed a spark, a consciousness that defied his programming. Cut to the robot on a roof under the moon and change the voiceover to my voice. One night, under the COVID of a violet moon, Nexus made his escape. InVideo's AI will generate a rough draft based on your input. And it's unlike any video creation tool I've ever used before. Remember, you're the director here and can prompt whatever changes you need, just like I did. So if you haven't checked out InVideo AI v2 already, go check it out right now for free, with paid plans starting from just $20 a month. And if you use my code, Caleb Hammer 50, you'll get two times the number of video creation minutes in the first month. Scan the QR code on screen or check out the link in the description below to try out the future of video creation today. Zero percent interest on a $94 purchase. Thank goodness. That's the one. That's zero percent. Guys, we're making it. We're making it, guys. Everything's good. Financially secure, everything's great. All right? But all these together, all these stupid firms together. 184. 59 cents plus 4.25 plus 18.52. Okay, affirm, affirm.
[60:21]
B
200.
[60:22]
A
207 hours. I just thought I heard a noise coming from your side of table and I got very upset. But this is. This is where I am right now.
[60:31]
B
Okay. But I did return something from that because I felt bad for getting what I bought a person, a wallet. But then I said, I don't need the wallet.
[60:38]
A
Was it the sack?
[60:39]
B
Yeah.
[60:39]
A
Great. The zero percent. So we saved $4 and 25 cents.
[60:44]
B
No, no, I'm still paying that. It was more. Yeah, so I returned like the thing I didn't want. It didn't fit my phone, so I just returned it. But I thought that was responsible.
[60:56]
A
Usually I would have just talking.
[60:57]
B
I would have just.
[60:59]
A
Oh, my gosh.
[61:01]
B
I would have just kept it and just, like, been like, oh, well, we have.
[61:04]
A
And you know, we usually upload like, an F around video in our membership section for Hammer Elites and Hammer pros. And we know they know that. We got a very sharp sword that was delivered. It's Jake's little play sword. I want to take that right now and sacrifice myself in front of everyone.
[61:20]
B
Seppuku.
[61:21]
A
Yes. You're purchasing on this too, dude?
[61:25]
B
Yeah, I'm purchasing.
[61:26]
A
Is there an account you haven't purchased on you ever purchasing?
[61:32]
B
I'm pretty sure I'm purchasing on everything.
[61:34]
A
When you have negative money. Negative.
[61:37]
B
Okay. But I did actually, like, freeze my Amazon card, so.
[61:40]
A
What do you mean freeze?
[61:41]
B
Like, you can, like, turn it on.
[61:42]
A
No, you need to close your damn accounts because you'll turn that back on. I don't give a. I don't give a. I don't give a single little. I don't care. You're not willing to do anything, are you?
[61:50]
B
No. Like, I want to.
[61:51]
A
You know you don't, but I froze.
[61:53]
B
It, so, like, I don't want to. I do. I don't want to, like, be in this, like, 1%. No. Like, 25 at least.
[62:02]
A
She's. She's. You think this is a joke?
[62:06]
B
No. Okay, you 25 joke. I wouldn't have. Well, I mean, sometimes that's all you have. Like, what you got to do to get by.
[62:13]
A
No, what you got to do to get by is bolt down, make a plan, figure out what it takes to get to a goal, and. And then start working on those. That's what it takes. I don't know what you're talking about. Dude, neither do you. You just try to justify every stupid little thing.
[62:32]
B
I'm not really even sure what I spent on that. And it's only the store that's interesting.
[62:37]
A
I haven't heard her say that about anything else.
[62:39]
B
It's only the store card, so I can't even spend it, like, outside of Amazon.
[62:42]
A
Thank.
[62:43]
B
Yeah, it probably a lot worse.
[62:45]
A
You can spend this. A whole thing. Whole Foods.
[62:46]
B
Oh, really?
[62:48]
A
No, actually, don't listen to me.
[62:49]
B
Well, I'm not. I don't live. There's no. There's not a Whole Foods in Mississippi.
[62:53]
A
You're right. Probably just a dollar store. Okay.
[62:57]
B
There's so many dollar stores.
[62:58]
A
I'm kidding. Mississippi is probably so good. It's not so great.
[63:01]
B
Don't move. There.
[63:03]
A
I have no intention to visit. 446.88.
[63:07]
B
Okay. That's not bad. Oh, no. I think it's like a 500 limit. Right.
[63:12]
A
I gotta.
[63:13]
B
I. I mean, it's bad if you look at it like that. Like, with everything stacked up with it, but just on its own. It's not too bad.
[63:20]
A
You mean it's all bad and you're spending and there's interest. It's all bad. You're never gonna get out of debt. You're never gonna get out of debt. Never gonna have a retirement. You're never gonna have anything. If your logic when looking at this while unemployed and negative money in your checking account is it's not. You're done. Think that you're done.
[63:41]
B
There's always.
[63:41]
A
No, no, listen, listen. You are done.
[63:45]
B
Yeah.
[63:45]
A
You have no hope.
[63:47]
B
I feel hope.
[63:48]
A
No, that hope is in delusion. You have no hope. I think it is. I really do.
[63:57]
B
I think that there. I think you can always get out of a situation. I think there's a light at the end of the tunnel.
[64:02]
A
Only if you drive. Dude, you're not. You're not doing anything. You're just sitting there and sometimes going backwards or trying to figure out a shortcut. But guess what? Dig that way on the tunnel, you're gonna fall off the cliff. Okay, like, this is what you've done. When you got yourself into that. That consolidation bull.
[64:21]
B
Yeah. Yeah. That was, like, now looking back, that was probably not, like, the best idea. But I didn't know I was gonna be laid off, which is also.
[64:33]
A
This is the longest hour of my life. This is the longest an episode's gone in gosh, months. I've never felt a length of an episode like I am feeling this right now. That's not funny. It's not cute, and it's not a good thing. It's disgusting. Shocker. Your purchases are not Amazon. Let me pull up your Amazon app. Dude, are we even halfway through this?
[65:05]
B
I don't really.
[65:06]
A
Yeah, pull up your Amazon.
[65:07]
B
Oh, no, there's not, like, much.
[65:09]
A
Pull up your Amazon. Good. Death lady. Good. You're getting wall scents. Oh, we got more wall sense because we definitely can't breathe. She has a little car seat cushion thing. Great. Thank goodness.
[65:20]
B
I take a lot of road trips.
[65:22]
A
Okay, stop. You probably can't afford it. Dude, you need to be working. You little. You got shoes. Probably never had any of those. What is this? What is this? A wrist cushion for the keyboard. That's. It's okay. I don't think you needed necessarily that. We got the same desk pad that I purchased for all my employees.
[65:38]
B
It's nice.
[65:39]
A
You did not need a new keyboard. You did not.
[65:42]
B
I actually bought two you did. Well, not. I bought one on Amazon. You want to get murdered one in person?
[65:48]
A
Why do you need two?
[65:49]
B
I didn't like that one.
[65:50]
A
Did you return it? You haven't returned it?
[65:51]
B
Dude, I don't know. Is it still in a return window? I don't know. I just was just like.
[65:59]
A
I. Well, I'm not a physically violent man, but I'm about to be. Yeah.
[66:04]
B
But I figured I would use one for work and just one.
[66:06]
A
Oh, you got a good, good wireless charger for our wireless charger station. Guys, we got Beats Pro Studio pros. Thank goodness. Guys, by the way, we're on a point and I'm negative money. A beach bag and then a Wade blanket. None of that was necessary for your life, okay? We did not need that to surv survive. Well, you did not need a well. Are you welling me again? Lady, you.
[66:31]
B
The way to blanket helps me sleep. I need a good boyfriend.
[66:36]
A
Lay on you.
[66:38]
B
He's too hot. It's too hot at night. And the weighted blanket's, like, knitted so it breathes so it feels good. Okay, well, we each have a weighted blanket. We each have a weighted blanket.
[66:50]
A
I don't know.
[66:50]
B
It was. We each. Okay, No, I bought a way to blanket for myself and then, like.
[66:57]
A
Have you ever heard silence and not been able to, like. And have been able to exist in it for a moment?
[67:02]
B
No, I don't like silence.
[67:05]
A
I can tell. I can tell.
[67:06]
B
But we each have our own way to blink it. We both, like.
[67:09]
A
I'm so excited for you guys. I've never been more thrilled for a couple in my life.
[67:13]
B
No, it's good. I promise. It's worth it.
[67:15]
A
You guys are the couple to look up to. You both have weighted blankets. Example for the rest of us.
[67:22]
B
Maybe it'll help your stress if you get better sleep, too, so you might get one.
[67:26]
A
I'm okay sleep. Unless my dog's farting in the middle of the night, which these last two nights have been farting every, like, five minutes because he has a little upset stomach. And that is stinky. And that's harder to sleep through.
[67:36]
B
That's kind of gross.
[67:37]
A
Yes. It's farts. Yeah, it's not the best.
[67:39]
B
My dog's farts stink, too.
[67:42]
A
You have dogs?
[67:43]
B
I have one dog.
[67:44]
A
No.
[67:45]
B
And two cats.
[67:46]
A
No. Yeah, that's so.
[67:48]
B
That's what the PetSmart was.
[67:49]
A
That's so unfair to them.
[67:51]
B
What do you mean?
[67:52]
A
You can't afford pet insurance? They have pet insurance?
[67:54]
B
Yeah.
[67:55]
A
How you can't afford it.
[67:56]
B
It's like $10 for the dog? For all three. It's bundled with my car insurance. Yeah.
[68:03]
A
Oh, okay. Okay.
[68:05]
B
I'm not. Yeah, because when I was. When I first got my dog, she like broke her leg and I didn't have insurance.
[68:11]
A
Broke her. How'd she break her leg?
[68:12]
B
She was. I had like. I lived in a condo that stairs and I had like a baby gate and she was still a puppy and she tried to jump over the baby gate and it was really sad.
[68:23]
A
Okay, that is sad.
[68:23]
B
Yeah, but she did it twice.
[68:25]
A
Okay.
[68:26]
B
So the conversation.
[68:28]
A
Okay, okay. All right.
[68:30]
B
So after that I got insurance.
[68:31]
A
Oh, sure. Yeah.
[68:34]
B
Responsible.
[68:35]
A
I don't know what I'm looking at here.
[68:37]
B
PayPal paying for. It's just like affirm but PayPal style. So it's just those little like mini loan things. Usually interest free. Usually.
[69:04]
A
Lindsay J. Kisses. I don't know with this one. I think she's. Oh, the worst. Well, the worst human being I've ever met in my life.
[69:21]
B
If you.
[69:22]
A
She's the. Shut the. I'm talking to them, not you. You're not a part of this conversation. You are a creature. No, I need away from you.
[69:34]
B
Oh, I have a Belveda in my bag if you want one. It's good. It's blueberry. I brought snacks to come here. I will say that I did.
[69:40]
A
I did bring buy them at gas stations.
[69:43]
B
No, I have. I bought them actually from the grocery store and I brought them with me.
[69:47]
A
From the house purchases at the grocery store. Snacks probably.
[69:54]
B
And breakfast food. I'm a. I'm a breakfast girl.
[69:57]
A
Hey, hey, hey. Guess what. Guess what, you little person. What is this? What am I even looking at? I don't know.
[70:06]
B
Let me see. I might be able to bring it.
[70:08]
A
Up on PayPal alone agreements to something. Oh, PayPal.
[70:11]
B
Yeah, it's a pay. PayPal paying for. So it's like a firm but PayPal.
[70:14]
A
Yeah, yeah, yeah. Zero percent interest on that. Okay, yeah, hold on, hold on. Zero percent interest on that. Okay. So you did two here. You did too.
[70:26]
B
Yeah, that's what they are.
[70:28]
A
Old Navy and loyalty brand market. What? Loyalty brand marketing. What are you marketing?
[70:34]
B
No, that's underwear. Yeah, it's just stuff. Necessity.
[70:42]
A
You didn't have any underwear.
[70:43]
B
No, I did. But like you can't like you. You have to like buy new ones.
[70:48]
A
And it weigh them for. You needed to do it when you had negative money in your checking account and no income couldn't wait a month and you couldn't do it the month before previous. It had to be right now.
[70:57]
B
Well, I guess that doesn't make any sense, but Old Navy.
[71:00]
A
Interesting. Okay, but are you joining us in reality by chance?
[71:04]
B
But Old Navy was work clothes that I need for my new job.
[71:09]
A
Okay, what do you need to wear to sell guns to terrorists?
[71:13]
B
Well, no, it's like an office job. So I have to go to the office, and it's like, you know, office sheet or whatever. Yeah, listen, it's a power suit, and I worked from home previously, so I didn't have work clothes, so I needed them.
[71:27]
A
I don't want to hear your voice.
[71:30]
B
And I have a cash.
[71:34]
A
I've concluded. I've concluded. Okay, this is. We're. We're in quiet time right now. Okay, quiet time. $268.07 is out on this with $67.02 paid three more times, and then you're done.
[71:50]
B
Wait, that's different.
[71:52]
A
Oh.
[71:52]
B
Oh, wait. No, it's less now, so that's fine. Yeah, I thought it was more, but it's less now.
[71:59]
A
This next one. PayPal.
[72:03]
B
No, it's the same one.
[72:04]
A
I'm going. It's still a different loan, right?
[72:06]
B
It's the same.
[72:07]
A
Oh, I mean, like, technically, no, there's two ones. There's two.
[72:11]
B
But in total, it's 214, 215. Like, it's two separate. One's, like 4160 or something like that, Right?
[72:20]
A
Yes, that's what I was going through. Oh, my.
[72:24]
B
I thought you wrote down the wrong number.
[72:26]
A
Oh, my gosh. I could never have a beer with you.
[72:29]
B
Oh, wait, no, I actually like beer.
[72:31]
A
Me either. I don't.
[72:32]
B
No, I do like beer. Oh, no, I do.
[72:34]
A
Are you drunk right now?
[72:36]
B
I wish.
[72:37]
A
No, I could not imagine what that's like. PayPal. One, two. Okay. Yo. Gosh, I'm sorry for being mean to you. I'm. Well, actually, kind of. Not really. I don't really feel.
[72:50]
B
I don't feel like you're being that mean.
[72:52]
A
No, Well, I just. I feel. I hate the feeling of feeling a dislike towards someone.
[72:58]
B
So you're saying you dislike me?
[72:59]
A
Yes, and I hate that feeling. I rarely feel that towards the guests.
[73:02]
B
You can't just tell people you dislike them.
[73:04]
A
Yes, I can say whatever the. On. Shut the. What do you mean? You're in my studio. You're in my life. You're sitting across from me. We're in a world where people talk. Absolutely. I can say that. You can say it, too. I don't give a. Okay. What do you mean you can't say that? What are you talking about? Yeah, you can tell people you don't like them all the time, but I usually don't don't like people. It is rare for me to actually like legitimately not like someone. Every time on the, you know, on the show, I, you know, I blow up. I. I make the finances known clear to them. And it is rare. It is rare maybe once a month that I legitimately do not like someone. And I feel bad that I do not like you because this sucks.
[73:38]
B
Wait, are you telling me I'm like rare?
[73:40]
A
Yes. And that's not cutesy. So shut the up. Oh, I don't know if I want to have you in the post show. I don't think I'm going to let you be. I don't want to talk to you anymore.
[73:54]
B
I feel that.
[73:56]
A
I feel it. You understand?
[73:57]
B
I get it. Yeah.
[74:00]
A
Let's just see. I mean self. There's a thousand dollars twenty six dollar minimum payment. Well, you're spending like crazy in here. Five below.
[74:08]
B
Five below.
[74:08]
A
Shut the up for a second. I'm just gonna get a perception of what the is left here because this is insane. Jasmine cuisine, pop shelf raising canes, Botanical garden, Korean barbecue, space center, giga parts, mellow mushroom, Little Caesar. Shut the. I am observing this thing here. What you're going through. Okay, okay. Okay. It's at 26.49 interest. Great. Wonderful. Awesome.
[74:35]
B
That.
[74:36]
A
And then we have upgrade as well. Oh good. 7996.
[74:42]
B
Yeah.
[74:42]
A
Oh, I'm gonna. That was a minimum payment of 328. How's you gonna.
[74:46]
B
Yeah, that's the consolidation.
[74:49]
A
Oh good. Thank goodness. I don't need an explanation for all this. I'm just trying to just get a perception of where you're at. Okay, okay. Minimum payment on student loans. We have student loans here. What does the current amount do? Well, 729 in that one. I'll sending balance a thousand dollars there. $11. And then so your minimum payment for this 3000 hour one. $3,000. $11. $3,400 and that's it. 14 hours a month. $5,400. 21amonth. $6,223. So $20 a month. $19,000. Ah, it's $20,000. $75 a month. You owe money to your dad? 15,000. Someone slip this bull in. What do you owe to your damn dad? What do you owe to your damn dad? What do you owe to your damn dad?
[75:32]
B
That's the first consolidation loan.
[75:35]
A
Your first consolidation loan was your dad?
[75:38]
B
Yeah. This world.
[75:43]
A
Guys, we're doomed. We're doomed. This is it. This is who? This is. This is who our neighbor is. Oh.
[75:50]
B
So.
[75:50]
A
But now that next to people like this. And they're not all in Mississippi.
[75:54]
B
No, but now that I'm older, I'm like, I feel bad.
[75:57]
A
Not mentally, when.
[76:01]
B
Yeah. So I want to, like.
[76:02]
A
You owe him 15,000 hours since 20. So for a decade, you vote him this. What do you mean? I thought you said you took it on your 401k to pay off debt when you're 20. What are you talking about?
[76:09]
B
No, I'd like it. Did some of that as well. Like, I did both.
[76:18]
A
Okay. Okay. That's okay.
[76:20]
B
Like, I want to pay him back.
[76:20]
A
Because I feel bad. I just don't want to hear your voice. I really don't. I'm so sorry. I'm so sorry. Oh, I hate this feeling. I'm so conflicted in so many ways. One, I could make this episode last two hours going through all this stuff. Two, I want to get as far away from you as possible. Three, I hate feeling, like, legitimately like I don't like someone. Not just, you know, like little jokes, little jabs. I hate this. I hate this feeling. This is. I'm so conflicted. This episode is confliction galore.
[76:51]
B
Do you need a way.
[76:52]
A
I need you to shut the up.
[76:54]
B
Wait, a blanket might help.
[76:57]
A
So you're saying you have negative money in your checking account right now? Because guess what, you had $723, but you're saying it was negative now.
[77:05]
B
Yeah, well, okay, so if you look at my statement. If you look at my statement, it ends, like, on a weird time frame. So, like, it's been quite a minute.
[77:13]
A
What?
[77:16]
B
Like it ends in, like, early November or something? Or October, the end of October. Like October 24th. Like, it's weird.
[77:23]
A
Okay, sure. October 24th.
[77:25]
B
So, like, it's been almost, like, been a few weeks.
[77:27]
A
It's been like two weeks. Okay, calm down. It says Texas Road has some sponges and diamond art and just like Amazon and.
[77:37]
B
What is that?
[77:38]
A
McDonald's and PlayStation and a firm and I'm not even going to go through all this. It doesn't matter.
[77:44]
B
Damn. Absolutely.
[77:45]
A
I'm not going through the rest of this. It's all. It's all. It's all done. I hope none of that went into the fish tank. This.
[77:54]
B
But you. No, listen, stop for a second.
[77:56]
A
I'm trying to. I'm trying to process. I. This is a hopeless conversation. Not for you. No, for you. I want to make it sound better than it is because right Now I'm only doom and gloom right now. How do I try to make this sound better? I'm ending the conversation early and I'm kicking you off. I don't want to sit in front of you in the post show. I don't. You can stay in the green room for a bit and Lindsay and you can talk afterwards. You're a horrendous existence in front of me right now. I don't think you're a bad person, but the fact that you think it's all cutesy annoys me. You're not taking this seriously. You're not taking your life serious. You have no actual desire to get out of debt. You don't care. You're trying to look funny. You're being dumb. You don't understand things. You don't know what a number is. I don't want to talk to you. And I do not have hope for a single second that you are going to get out of debt. You might do consolidation, borrowing from dad, sucking, I don't know. But I don't think you are going to get out of debt by changing behavior because you've never changed behavior once in your life. Even though you have tried multiple times by not trying. Guess what, guys? Why did Dave Ramsey's method not work? Why did it not work? Because I enjoyed sports spending. That's not his method. I could give you my method. I could connect you with the classes. I still will with hope that you might change your life. But guess what? Without actually changing your behavior, without deciding that you are going to put your future over your spending, you are not going to accomplish any thing ever. And I am done with it because you're taking this conversation like a joke and that is an embarrassment for my existence right now. And I'm pissed off in you with you. And I am done. You can turn off her microphone. I don't want to see it hear a single word from her. Guys, we're going to the post show. She won't be there, but maybe we'll look through the rest of the documents without her because what a joke. Hammer financial score. Shut the up. Oh, I'm enraged.
[79:52]
B
Mode killed. There's one more thing.
[79:54]
A
What?
[79:54]
B
She needs to pay her mom back thousand dollars.
[79:57]
A
Oh, for sake. Is it worth getting her thoughts on this? I think about bringing her back in.
[80:02]
B
Is she going to be the first.
[80:03]
A
Person to get double kicked off? Okay, why do you owe thousand dollars to your mom and you haven't made a payment in 18 months? That's stupid. That enrages me to watch the Financial Audit Post show, click the join button below.