Most Batsh*t Crazy Woman I’ve Ever Met | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "Most Batsh*t Crazy Woman I’ve Ever Met | Financial Audit"
Guest: Char (42, Orlando, FL)
Release Date: September 24, 2025

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Episode Overview

In this episode, Caleb sits down with Char—a 42-year-old operations coordinator, property manager, and wedding officiant from Orlando, Florida. The conversation journeys through Char’s highly chaotic financial situation: massive credit card debt, wild spending habits, a side business that barely breaks even, sporadic attempts at financial organization, and a unique ability to justify nearly every expense on adventure and self-fulfillment. Caleb attempts to untangle Char's finances and instill some financial sense amid her relentless jokes, tangents, and quirks.

The result is both a financial intervention and a reality check for anyone wondering how quickly unchecked spending, creative budgeting, and denial can spiral into a financial trainwreck. The episode is a wild mix of comedy, financial education, and unfiltered honesty.

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Key Discussion Points & Insights

1. Char's Income and Employment (00:47–07:16)

• Primary Job: Operations coordinator and property manager, making $44,000/year (pre-tax), with some bonuses.
• Side Hustle: Owns a wedding officiant business—highly seasonal, variable income; reported $40,000 in gross revenue last year but expenses/nebulous accounting make net income unclear.
• Withholding Taxes: Char withholds extra tax from her main job to "cover business taxes," confusing estimated payments and effective tax strategy.
• Financial (Dis)Organization: All business tracking is end-of-year, on Google Sheets—major gaps, missing logic. No CPA; uses TurboTax.

"You must not make a lot of money. What does the second job make?" – Caleb (03:21)
"Sometimes I make more than my full time job." – Char (03:25)

• After much confusion and searching through emails and tax forms (07:03–15:01), it was revealed that after expenses, her business had almost no profit.
• IRS audit risk and legal issues are a theme; Char admits to ignorance.

2. Financial Habits & Mindset (09:39–19:02)

• Disorganization & Denial: Char consistently cannot immediately answer questions about income or expenses.
• Business as Hobby: Despite counting the officiant business as work, Char spends ~25 hours/week on it for very little real profit (sometimes less than $1/hour).

"You’re making a dollar an hour on average." – Caleb (18:01)

• Emotional Approach: Char laughs off or jokes about mistakes but admits she’s “not business-minded.”
• No Clear Motivation: Char’s financial chaos is partly driven by lackluster ambition to improve, lack of accountability, and treating work/hobbies indistinctly.

3. Monthly Spending & Debt Crisis (20:11–31:35)

• Spending Exceeds Income: Last month, Char spent ~$9,600 while bringing in ~$7,500—overspending by $2,000 every month.
• Credit Cards as Crutch: Reliance on debt to sustain her lifestyle.
• Debt Load: Over $55,000 in total debt, largely on credit cards at high interest, and a $27,000 auto loan.

"That is $1,772.60 just in minimum payments to debt… That is 72% of your income." – Caleb (91:30)

• Family 'Tithing': Sends ~$50/week to her dad despite dire finances. Loans money to her brother with no questions asked.

4. Psychology & Justifications (31:36–40:04)

• Quirky Deflection: Char frequently jokes or digresses when pressed—self-described "giggler" and “quirky millennial.”
• Justifies Every Expense: Vacations, Universal Orlando passes, African safaris, and even plastic surgery (“tummy tuck”) are rationalized as “musts.”
• Enabling Poor Family Dynamics: Continues to tithe/give money to family despite inability to afford it.

5. The Credit Card Shuffle (33:15–46:29)

• Balance Transfer Addiction: Runs a constant cycle of moving balances between cards to maintain 0% interest for a short time, making little progress.
• Minimum Payments Trap: Making only minimums, accruing hundreds in fees and interest, cards are routinely maxed out or over-limit.
• No Plan to Stop: Admits to continuing the pattern out of habit and lack of alternatives.

"You're never making progress in your life whatsoever, ever? …You’re okay with that?" – Caleb (45:15–45:23)
"No." – Char
"Then why do you do it?" – Caleb

6. Root Causes and Family Influence (49:32–50:45)

• Financial Illiteracy in Family: Grew up in a family that didn’t pay taxes, had under-the-table jobs, religious reasoning (Jehovah’s Witness) and general denial.
• Inherited Patterns: Admits to picking up bad habits from parents, extensive financial dysfunction modeled in childhood.

7. The Lifestyle Trap (50:52–67:07)

• Unnecessary Luxuries: Regularly purchases premium entertainment (Halloween Horror Nights, Hulu, Paramount, etc.), frequent eating out, international travel.
• Plastic Surgery Debt: $6,000+ in affirm/loan for a “tummy tuck,” justified both by appearance and medical relief.
• Car Loan: $27,000 left on a Honda CRV, despite financial struggles.

8. Attempts at Solutions, But Inaction (85:23–95:04)

• Considers Downsizing Cars: Toyed with trading in for a cheaper car, but reluctant.
• Resistant to Roommates/Downsizing: Jokes about solution instead of embracing it.
• No Retirement Savings: Has no investments or financial plan beyond bare survival.
• Reluctantly Agrees to Side Hustle: In the post-show, is tasked with calling for a new side hustle to attempt to rescue income shortfall.

9. Financial Reality Check (95:26–95:36)

• Hammer Score: 1 out of 10, with all categories essentially bottomed out—no savings, no retirement, hopeless debt, unsustainable lifestyle.

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Notable Quotes & Memorable Moments

• Income and Cluelessness

  "I actually didn't realize how bad my debt was until I pulled everything and I calculated it."
  – Char (00:03)

  "I'm not trying to do math here."
  – Char (00:08, and several times throughout)

  "You’re making a dollar an hour on average.”
  – Caleb (18:01)

• On business organization:

  “I have my little thing… to do process. So, like, I know that I’m supposed to be doing this, but I’m a slacker.”
  – Char (06:11)

  “I’m gonna die. My theme song after filming an episode like this sounds like a trigger being pulled.”
  – Caleb (53:58)

• On mindless spending:

  “I like going on vacation.”
  – Char (23:31)

  “So the Hyatt, all of it was a thousand dollars.”
  – Char (66:11)

• On supporting her family despite debt:

  “Although I am in financial crisis, I feel like he (my dad) needs some money more than I do.”
  – Char (24:15)

• On the debt transfer cycle:

  "Instead of paying that $60 a month… you do the balance transfer and it’s like a 1% transfer fee. So you pay like $200…”
  – Char (48:00)
  “You’re just getting that every few months. So no matter what… you are accruing interest regardless. This doesn’t make financial sense.”
  – Caleb (39:32)

• On justifying plastic surgery:

  “Tummy tuck. I got a tummy tuck in December.”
  – Char (54:38)
  "Not only did it make my stomach look… I just feel so much better about myself.… I haven't had back pain in eight months.”
  – Char (57:15)

• On her own ambitions and accountability:

  “There’s nobody to hold me accountable. My two cats… shouldn’t need [that] bad.”
  – Char (62:32)

  “Is there nothing to care for, nothing that you are ambitious towards? I don’t know. Is there no incentive here?”
  – Caleb (61:55)

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Timestamps for Important Segments

• Intro & Guest Background: 00:00 – 01:15
• Income Breakdown & Business Chaos: 01:31 – 07:03
• Tax and Business Tracking Issues: 02:42 – 08:06
• Trickling Into Debt Discussion: 16:16 – 22:08
• Monthly Budget Reality Check: 20:04 – 21:06, 91:30 – 92:00
• Justifying Gifts to Family: 23:33 – 25:47
• Credit Card Balances and Transfers: 33:15 – 46:29
• Vacations & Spending Rationalization: 50:52 – 67:07
• Plastic Surgery Admission: 54:13 – 58:00
• Car Loan, Downsizing, and Reluctance: 83:35 – 87:53
• Final Tally: Living Expenses, Budget, and Score: 90:29 – 95:36
• Financial Score & Episode Wrap: 95:26 – End

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Episode Tone & Takeaways

• Chaotic, comedic, and intermittently exasperated. Char’s self-deprecating humor, denial, and relentless tangents provide laughs but also underline a serious message: self-delusion, avoidance, and “quirkiness” do not substitute for responsible financial behavior.
• Relatable for many who struggle with debt, organization, and denial—but also a stark warning about the slippery slope of lifestyle inflation and living on credit.

Caleb’s Parting Message

“No more. These are your statements.… You need to double your income at a minimum basis. This is crazy. That’s where we are. I’m sorry. There’s no debt payoff strategy—we need to figure out the income thing.” (95:04)

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Bottom Line

Char’s case is a spectacular example of how unchecked spending, lack of systems, and avoidance can turn even a decent income into a treadmill of debt and anxiety. The entertaining banter cannot mask the urgent need for change: serious downsizing, extra work, actual debt repayment—not just more creative accounting and excuses.

For listeners:
You’ll laugh, you’ll cringe, and you might just recognize a little of yourself in Char’s financial chaos. Let this serve as both entertainment and a cautionary guide.

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Transcript

[A]

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

[B]

I actually didn't realize how bad my debt was until I pulled everything and I calculated it.

[A]

How are you so off, girl?

[B]

I'm not trying to do math here.

[A]

You're never making progress in your life whatsoever.

[B]

That's why I'm like, why am I like this?

[A]

It's your choice. You're financially classic.

[B]

I think I'm hilarious.

[A]

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[B]

Hi, I'm Char. I'm 42 years old from Orlando, Florida. And you're watching Financial Audit.

[A]

Yes you are. And thanks for coming on over to Austin for financial. A lot of. What do you do there for a living?

[B]

I'm an operations coordinator, property manager and wedding officiant.

[A]

Is it the same job? These are two jobs.

[B]

So the property manager and operations coordinator is one job and then I own my own wedding officiant. Business side hustle. Yeah.

[A]

Okay. Because if that was big enough to be full time, you'd be doing that full time, right?

[B]

If that was like definitely not. Oops, I hit the microphone.

[A]

Oh, okay.

[B]

Sorry.

[A]

No, it's. It's okay. Okay, cool. So the full time job, how much are you making in that?

[B]

44,000 plus sometimes bonuses. A bonus.

[A]

4,000 in Florida.

[B]

Yeah.

[A]

Florida ain't cheap. Orlando. I don't know as much specifically, but I know Florida is not cheap. What hits your account on a monthly basis from that job?

[B]

So I take home after taxes, 1226 every two weeks. But I do have an extra 150 per paycheck taken out for tax. For business taxes to offset my business taxes at the end of the year.

[A]

You withhold extra.

[B]

Yeah.

[A]

Instead of just setting aside money from your business.

[B]

Correct. If it never hits my account, is.

[A]

The money you make from business stagnant, never going up, never going down? Because how would you.

[B]

It's very up and down.

[A]

Then how does that make sense to withhold from your main paycheck?

[B]

Because then if I. Then at the end of the year I might get a tax refund. Sometimes I might. Oh, it offsets it.

[A]

No, it doesn't offset. It either makes you have to pay money or you gave the government. A loan. Zero percent.

[B]

That's fine.

[A]

Is it? When you could just be setting.

[B]

No, because if I said it.

[A]

Are you doing quarterly estimated payments?

[B]

No.

[A]

Why?

[B]

No. Oh, because I'm an individual. Sorry. I get really excited. I'm a sole proprietor, so I file my business taxes as S Corp. I think C Corp. Something. We're asking my.

[A]

We do estimate it.

[B]

No, I just filed it. Maybe C Corp. I file as sole proprietor. That's all I really know. I file my taxes. That's.

[A]

I'm thrilled. Do you work with a CPA?

[B]

No, no, I do it on TurboTax.

[A]

No way. No, you do not.

[B]

So I don't claim a lot of stuff. Hold on.

[A]

You must not make a lot of money. What does the second job make?

[B]

Sometimes I make more than my full time job. So what the.

[A]

You risking it then, man?

[B]

Risking what?

[A]

The IRS coming down and busted in your door?

[B]

But I pay my tax like I file. I keep a spreadsheet of all my stuff and I save every email I know, right? I'm gonna get better at this. But I haven't.

[A]

Well, that's exactly what I'm saying is risky.

[B]

Everything that I buy that isn't parking is connected to my emails. So I. Yeah, because parking, you don't get an email confirmation. But when I.

[A]

Literally every purchase you make in the world outside of parking, you get an email confirmation.

[B]

Yeah, yeah, yeah.

[A]

You stop in to Wegmans or whatever's there.

[B]

Every time I make a business purchase, it's always connected to my email because it's like advertising or something like that.

[A]

That I never get anything outside of that.

[B]

Just. Sorry. Just the. Oh, my gosh. Parking.

[A]

Why would you not work with a cpa?

[B]

I mean, I guess I should. I thought about.

[A]

I guess you should because one, they can probably save you a lot of money and two, they would tell you how much is a withhold on a monthly basis so that you're just doing that instead of giving the government a free loan or having to pay more at the end of the year, which also just gets. And they would probably, you know, say, oh, you're supposed to be paying estimated taxes of which you might be facing penalties that you don't know about. I'm not sure. Depends on your situation. So the 1226, right. That hits.

[B]

Yeah.

[A]

Is that after that extra withholding or before?

[B]

After.

[A]

Okay. And that hits twice a month, essentially on average. Gotcha. Okay, so that is $2,452. That's hard to live on in Orlando. Now the business you Say, very up and down. Give me an example of like the last quarter, what came in Q2, what did Q2 look like?

[B]

So what is that?

[A]

Actually, have we.

[B]

March, April, May, June, April, May, June. Oh, wow. Yeah, I was probably busy then.

[A]

Yeah. Weddings.

[B]

Yeah. So Florida, it's busy. Oh, yeah. I don't really know.

[A]

Oh, that. All that for no answer.

[B]

$12,000 for three months.

[A]

I guess I'm assuming since.

[B]

So Listen, I require $100 retainer and then I get paid their balance 90 days before the wedding.

[A]

How do you not know what you made and spend?

[B]

Because I, in Q2 at the end, I don't pull it quarterly. I pull all of my financial transactions from like Venmo cash app. Oh, PayPal squad. When?

[A]

@ the end of the year.

[B]

Yes, sir. And I have my little thing on, like my efficient. To do process. So, like, I know that I'm supposed to be doing this, but I'm a slacker.

[A]

I'm.

[B]

I am a slacker and I work better when I have to get it done. Trust me, if I have my.

[A]

You have to get it done on a recorded basis.

[B]

I actually didn't know about that.

[A]

I'm gonna find out. Well, it's usually based on last year's taxes, but either way.

[B]

Oh, okay. So I don't know any. I'm not a business person.

[A]

How much did you make last year in your business as a non business person?

[B]

Like $40,000.

[A]

Okay.

[B]

For the business. Yeah.

[A]

Was that gross?

[B]

Oh, that was before all my expenses.

[A]

Good. What were your expenses last year?

[B]

Oh, I could pull it up if you want. Probably like $27,000. 20,000.

[A]

20 or 27? That's big when we're talking 20. So your profit was 20? Sure, sure.

[B]

I have to pull it up. I. I don't. I'm not thinking about what I made last year all the time.

[A]

Well, I mean, I'm going to use that as like this year's numbers since you can't tell me what this year's numbers are and I'm literally in the. We're. What are we, six and a half minutes in. And I am just trying to get your income. It's going to be one of those conversations. I see.

[B]

I know. I'm sorry I slacked. What am I looking up? Oh, taxes. And I'm a giggler. Just so you know. So just because I'm giggling and laughing doesn't mean I'm not taking it serious. Because I'm here.

[A]

It is one of my triggers.

[B]

Yes. Oh, look, here's my Thing on how. When to do what? My to do. File taxes yearly.

[A]

Her to do list is in a Google sheet.

[B]

Oh, sorry, it isn't a Google sheet. Oh, yeah, yeah, yeah, yeah. Okay. Oh, 27, 850. Oh, that was payments on 20. 23. Um. What the heck?

[A]

Last year was 24.

[B]

Oh, there it is. Oh, no, that was lost revenue. Oh, my gosh. I'm so sorry. I.

[A]

Okay. Taxes, I think.

[B]

No, it's not.

[A]

It's not okay.

[B]

No. I should be a little more organized. You know what I mean?

[A]

Yes, preferably. I would suggest that.

[B]

So, I don't know. I can give you the year before.

[A]

Why did you want to tell me? Let me check in order to get my number. Because that's what.

[B]

Because I'm looking.

[A]

It sounded like you were able to just go click, clack and you would.

[B]

Be there because I have my tax spreadsheet. And then I just want to know. I'm not seeing.

[A]

My income was for 24.

[B]

And what the expenses before taxes. 20,000 is your full guess. Yeah.

[A]

What did you pay taxes on the 20.

[B]

Oh, no. Oh, dude, I don't know.

[A]

Oh, my.

[B]

Do you want my. I should have brought my computer and I could show you my whole tax return. I don't think about, like, how am.

[A]

I supposed to estimate what you make? What can I. I can add to your income if this is a substantial part of your life. What the. Can I add to your monthly average?

[B]

Let's say I make.

[A]

No, why would I say. Let's say. Why would I let you say. Let's say. That doesn't make any sense. $3,000 a month after taxes, expenses with like. I'm confused. What?

[B]

Before taxes. I mean, before expenses. Before taxes, before expenses.

[A]

And your expenses seem to be 50%.

[B]

Sure.

[A]

Sure.

[B]

I don't know.

[A]

But that's what you're saying for last year. That's what you're saying for last.

[B]

I'm dying over here.

[A]

No, don't. No. This is a pretty basic question. You're a business owner.

[B]

I know. Oh, I know. That's why I'm like. Why am I like this?

[A]

This. But it's your choice.

[B]

Yeah. That's why I'm wondering why I'm like this. Because why am I choosing this for my life?

[A]

No, actually, can you try to answer that for me?

[B]

You're opening my eyes as to what I need to do. Because I'm not a business person.

[A]

You literally are.

[B]

No, I know.

[A]

It's the same income as your other job.

[B]

I am currently a business person, but I'm not business minded. Like, I'm not looking.

[A]

What does that mean to you?

[B]

Like, I'm not focused on making the most and like, I don't want five.

[A]

Make. It's not about making more. I'm asking what you make.

[B]

So I'm pretty sure when I filed my taxes in April, because I do wait till the last minute, I probably, probably, probably brought in like $40,000 before taxes.

[A]

Yeah, we got that part in fees.

[B]

So I'm estimating after. But then because you have mileage reimbursement, it's like a whole thing.

[A]

Yes. Yes, it is.

[B]

Yeah. You want me to pull up my tax return?

[A]

Oh, my.

[B]

I might be. Yeah, I think so.

[A]

Sure. I don't know why you didn't just do that.

[B]

Because I'm all over the place here. Oh, I got emails for weddings. I might have to answer those.

[A]

Classic.

[B]

I think I'm hilarious. I know, right? Geez, what's her problem? Okay, so I might not be able to pull.

[A]

No, I'm just dealing with a quirky millennial and I got in trouble in the comments last time that I didn't.

[B]

Like that I'm an elder millennial too, so. So that's even worse. Yeah, I don't have it. Let's just say I don't have it. I'm sorry, guys. I'm looking, I'm looking.

[A]

I don't know what to do with you.

[B]

I looked up taxes in both of my emails. Help me.

[A]

That's it. IRS, perhaps, maybe search IRS.

[B]

Damn it. IRS.

[A]

Search IRS. TurboTax.

[B]

Yeah, TurboTax.

[A]

Yeah, search the platform you use.

[B]

I'm telling you, if I had my computer, it's all on there.

[A]

That's great. But this is. Your email's the same.

[B]

Oh, here, look. Ooh, ooh la la. Okay, that's French. Hold on. Waiting for a confirmation text.

[A]

Okay, okay.

[B]

Oh, my God, I'm so excited to finally pull this up. Let's hope that I was right on. I know. I'm so sorry. This is going to be a 14 hour podcast. I'm here for the long haul. Okay, Downloading my return people, with you staring at me, it doesn't help.

[A]

I can look over here.

[B]

Oh, wait, that's not it either. I got my tax return up. I'm just looking for the financial information on it.

[A]

If you just give me the phone, I could probably.

[B]

Oh, yeah. Oh, here it is. There it is. I scrolled for you. My screen might be a little dark. One year, I made almost a hundred thousand dollars.

[A]

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

[B]

This is what happened. What happened?

[A]

Hold on, hold on, hold on. I think she's literally. Okay.

[B]

Did I mess up my taxes? Maybe. Oh, God. I heard you can write things off, but I don't. Like, I know a DJ that wrote off a watch. Look, No, I don't write anything like that off. Just my last.

[A]

I don't even want you to think about write off. So you.

[B]

No, no, no, no, no, no. I don't do that unless I'm traveling for a wedding.

[A]

I want to be very clear. So far, all I'm seeing Here is your $44,000 of your W2 income.

[B]

Maybe it's at the bottom. No, I definitely filed my business taxes on that.

[A]

I certainly hope so, because additional income is listed as $1,300. I will keep going.

[B]

Oh, maybe that was after.

[A]

So, Here we go. W2. 44,000.

[B]

Yeah.

[A]

$388.

[B]

What's the 388?

[A]

Your income from your business.

[B]

For one month.

[A]

Wait, hold on. But why is that under. Oh, oh, hold on. Gross income for. Okay, wait. Okay. Form W2, instead of trying to put. But no, this is your business. What am I saying? Cool.

[B]

You scared me.

[A]

Well, you scared me because I know.

[B]

I file my business.

[A]

Yeah, but hold on. No, no. But this is. What's crazy is like, okay, let's pretend this is your business, and if you had $20,000 of valid business expenses, all you did was. You didn't. There's no expenses claimed. You're just throwing in the. Wait.

[B]

No, there's. What's up.

[A]

I do believe she claimed $42,000 of expenses as net profit is listed as $1,369.

[B]

$43,000 in it. Oh, maybe that includes mileage, because I Drive, like 20,000 miles. The $43,000 wild.

[A]

This big guy. If an audit comes, there's no way qualified business income. $1,272 after everything.

[B]

Can I see that?

[A]

In a moment. I'm going through a lot here.

[B]

That's where my spreadsheet comes in handy, too, though, because I know how much expense.

[A]

Brother, you don't know how to use your spreadsh.

[B]

I know. Well, I don't. I didn't see it in my Google Drive because I use Google Drive for everything.

[A]

All right?

[B]

I mean, so for all my business.

[A]

That I have, my profit of a thousand three hundred. So, great, that means you make $45,500 a year. I don't think you had to pay more on that. And you probably got a Did you get a refund for last year?

[B]

Yeah, it was like $1,500.

[A]

Yeah, I'm sure it was. There it is.

[B]

And then the year before I owed some monies.

[A]

This is crazy. Using the 2025 IRS standard mileage rate, 20,000 mile reimbursement for business purposes would be about $14,000, which you add that to your 20 and then you add even more to it. Your business makes no money. How much time do you spend on your business? So, because to be very clear, it is a break even hobby.

[B]

Yeah, well, I mean, unfortunately, where you suggested. I love it. I don't care. I get more pussy in Fortnite than you do.

[A]

That's wonderful. You don't make much money for Central for Florida and you're on the show, meaning you're likely in a lot of debt.

[B]

Yes.

[A]

So whether that that's an option in the end, I no longer know. How much do you spend on this hobby?

[B]

Well, apparently 40 something thousand dollars in expenses. But I didn't know that. Oh, time. Sorry. Like, so every wedding would be three hours including commute. So like 45 minutes there, 45 minutes back, an hour and a half at the wedding.

[A]

Big math. I don't know how many weddings exist per week or month. So how much time are we spending on this job? That is your business?

[B]

A month, a week, a day?

[A]

Oh my gosh.

[B]

Like what are you looking for per week?

[A]

Average, Please. How much time? Which goes into planning and, and everything? Yes. How much?

[B]

25 hours. If I have X amount of weddings.

[A]

I have 25 hours.

[B]

Seven or eight weddings.

[A]

25 hours a week. What do you make? A thousand? 300. Great. You're making a dollar an hour on average.

[B]

I'm rich.

[A]

Okay, great. Yeah, it's. I'm. I'm glad you can be quirky about it, but yeah, you're financially because you want to be on the show. I don't know your finances. Yeah, but you wouldn't be on the show if you weren't to make $1 an hour. 25 hours a week, I don't think is the best use of our time. As much as you love it.

[B]

I love it.

[A]

A Filipino sweatshop would make more money.

[B]

I don't love that.

[A]

No, none of us do. And it wouldn't be as fun. But you would make more money doing anything. Except for working in prison. Why the are we spending so much time doing this? Dude, when you're in a death position.

[B]

I'm really good at it.

[A]

Okay, then.

[B]

Have you checked out my reviews?

[A]

No, but it's clearly not resulting in you making a living.

[B]

So if I did, if I changed a few things, I could definitely make more.

[A]

What?

[B]

But change one. I said that I'm not like a business person. I haven't really like stepped it up.

[A]

Listen, I can't even add that to your income. You make 2,452. That's insane.

[B]

Oh yeah, yeah, yeah, yeah. Sorry. I was not sure where you were getting that number, but I know what you mean now.

[A]

What do you mean? That's the number you gave me.

[B]

Yeah, no use were talk. So one minute we were talking about the business, but then you had brought up my full time job pay. So it just threw me off for a minute.

[A]

Dude, you're. I mean the per capita income. Net net in Orlando, by the way. Hold on. But then the metro. So this is a census reporter has it at $3,000 a month. You're under the per capita net income. But then actually in the entire Metro in 2023. 57, 000. Buddy, you. You make nothing.

[B]

Yeah. That's why you're dying. Yeah.

[A]

Income isn't a that's why I'm here situation.

[B]

No. So what are we.

[A]

What are we doing? What is going on in your life? What is going on? What are we talking about today? Because 20 minutes to establish what you make in your area.

[B]

By the way, if I didn't.

[A]

I don't know if that's a record, but it's.

[B]

Yeah, I would have had the information ready. I just honestly didn't know that you would need be asking that or I totally had.

[A]

What? You've seen the show.

[B]

I actually watch it all the time.

[A]

Are you broken then? Because you know that is the literal first question I asked.

[B]

Yes, but I thought you had it in my financial statements that I sent to you.

[A]

Not in terms of averages and stuff. But it's also a very good question and exercise to see if you even know what you make.

[B]

Clearly you know what you spend a lot.

[A]

Wonderful. Let's try that.

[B]

Well, I know on my credit cards I spent a lot, but it was a miracle way. Yeah, yeah, yeah.

[A]

What do you think you spent last month?

[B]

A month? Okay. Last month, like on rent, all my.

[A]

Bills, all, all, everything together. And for what it's worth again if we do all businesses, all business before expenses. So include your business expenses in the expenses but all business income before expenses. And your Regular income was $7,500. 70,000. $7,579.83. Girl. Your income, girl. What was your oh, no.

[B]

Oh, that's what I thought I spent. Damn it.

[A]

Oh, no. That was your income. Oh, girl.

[B]

But that was. I don't know.

[A]

Yeah, when you answered the question. You got it right somehow.

[B]

I know. Isn't that weird? What was your house like? I'm psychic.

[A]

What went out?

[B]

70 or 80 $500.

[A]

Very good. So more?

[B]

Yeah, more. I probably spent more than I brought in.

[A]

Okay, well, it was $9,684.

[B]

Oh, dang. Oh, dang it. How did I spend $909,000? I mean.

[A]

Well, that's.

[B]

I know. Everyone asks.

[A]

Here's the thing. Clearly it's debt or else you wouldn't be here. Honestly, because you are required to have debt in order to be on the show. And that is what must be supplementing this. I see no other way. What is your life? What are. Like, what is going on? Please tell me. Tell me. Just like what is going on? We answered the income. Now just tell me what's going on. All right, let's be real. Credit feels like the ultimate catch 22. You need good credit to get anything. But how are you supposed to build it if no one will give you a chance? It's like trying to get into a gym. But they won't let you in until you're already shredded. And that is why what Kickoff is doing is so game changing. It is designed just to help you build credit. And here's the kicker. Users who started with A credit under 600 saw an average improvement of 84 points in their first year year just by making on time payments. You can start with Kickoff for just five bucks a month and your first month just one dollar. It's simple. You make on time payments the credit bureau's notice. And your credit can grow fast. If you're trying to buy a car, rent an apartment, or finally escape high interest rates, stop waiting for a miracle. Start building credit today. Head to getkickoff.com Caleb and start your first month for as little as $1. That is get k I k o f-f.com Caleb thanks again to Kickoff for sponsoring get back to the video.

[B]

I like going on vacation.

[A]

What is this?

[B]

You'll find that out.

[A]

You tithe 10% to your dad.

[B]

So you allow people to tithe to their church so they're fine.

[A]

I allow people to.

[B]

Yeah. When you do their budget at the end of the show, it's because you.

[A]

Can'T change someone's religion. And also that's happened like five times on this show's history. In three years. Uploading Three episode a week. Okay, super fan. Yay.

[B]

Now I supervan if you seen that episode. Yeah, I did.

[A]

I like, I don't even know what episode that is. So you know more about financial audit than me, but either way, yes, because I can't change someone's religion. That's just deep in their bones, man. So no, I can't take that away. But what, how does that. What Is your dad your religion?

[B]

No, but like although I am in financial crisis, I feel like he, he needs some money more than I do. I mean I need the money. No, but what, what, what?

[A]

Huh? Why does he need more money more than you do? What? Explain this logic here. 10. You give a 10. Dad tax.

[B]

It's not like it's mandatory. I do it when I can. But you do it without.

[A]

You wouldn't be able to do it because everything should be going towards that. Have a fully funded emergency fund.

[B]

I have like 8,000, $9,000.

[A]

No you don't.

[B]

Yes I do.

[A]

No, no you do not.

[B]

My savings. I have 4,000, 3,600.

[A]

I don't think you know what you're talking about.

[B]

What are you talking about? I can pull up my Chase count. Chase account.

[A]

That wouldn't make any sense. Cuz you also, by the way, bad debt alone $50,000. Other debt which are 0% currently are just 7,000. So at a total of $55,722.34. Let's say you had 8,000 in there. You don't. By the way, let's say why the would that not be going to 30% debt that is accumulating when you have $55,000 of debt.

[B]

I was going to ask you how I should spend that money. If I should spend that money.

[A]

Spend that money. Great. Okay, so if you have that much debt, why are you giving your dad 10%?

[B]

Well, I mean it. I just send him $50 every week if I can.

[A]

This is 10 then. You said, you said you told Lindsay you tied 10 to your dad.

[B]

10 of the 2,500 I bring home from my office job to your dad.

[A]

You said you sent him 50 here and there. What? What's true? See, it's usually again why I don't believe your savings thing. What's true?

[B]

$50 a week when I can. Recently I didn't. I haven't. What's this 10% two times a month? What's this 10% thing?

[A]

What's this 10% thing, because then it's in my budget.

[B]

10% would be $240 yeah, so it's approximately 8%. Can I tithe 8%? I'm not a math person.

[A]

How is that 8%?

[B]

Girl, I don't know. I'm not trying to do math here. This is again.

[A]

Why, why? Why would I listen to you when it comes to what numbers are?

[B]

What? I'm not trying to teach you anything.

[A]

Not teach. I'm just trying to get answers to your questions. What do you mean teach? There's no teach. I wouldn't go to you for teaching for anything. I don't know what you're talking about, man.

[B]

I am the worst, in case you didn't know.

[A]

I don't know, but I hope that's not the case.

[B]

Yeah, me either.

[A]

Yeah, you do. 12 to 15 weddings a month with that amount of time. 170 weddings a year with that amount of time. The income you could be going and making and paying off all this, Deb, because really, if we're being honest with just how money is transferring around and translating this essentially means you are subsidizing you spending your time going and doing all these weddings by building up your debt. Cause by the way, another reason why I don't believe in the savings thing. Remember when you spend $2,000 more than you made last month? Like this isn't lining up. You are subsidizing, you wanting and going to do this hobby when you should instead be working and that would at least pay your bills. But instead of doing that, you are just accumulating debt to subsidize your business hobby.

[B]

Can I pull up my savings for you? This is bothering me.

[A]

I have. Shut the.

[B]

I want you to see my account.

[A]

Stop. I have it here.

[B]

You clearly don't or you would see where I have the money. I hate you.

[A]

No, I don't. I don't hate you. I get. But that's very annoying. I hate that moment because I literally have the documents in front of me. Can you let me go through them? You know the show that you've seen a thousand times.

[B]

You're calling me a liar, though. And I'm not a liar.

[A]

I have this person.

[B]

I might not know things. It doesn't mean it's ignorant. It is ignorant, but it's great.

[A]

Why are you here? Why are you here?

[B]

I'm here to marry you, Caleb. That's why I need my chance. What the boo. I'm going to marry you and your boobs. You're like 35. I'm 3012 years. We could be booze in another lifetime, lady. You could help me financially. You could pay half my rent. I'm just kidding. But I really would love to marry you and your boo when you get married and propose.

[A]

Oh, you. Okay.

[B]

I'm never getting married. What are you talking about, Willis? No, I will not marry you, Caleb.

[A]

By choice.

[B]

Thank you. Yeah, by choice.

[A]

I don't know.

[B]

It's good. I love other people's marriages and I love doing weddings and everything, but I feel like it might not just be for me. I'm good.

[A]

You just wanted to.

[B]

You can have a commitment solo if you want. Yeah, I do. But you can have commitment how you.

[A]

Want to live your life.

[B]

For sure.

[A]

Okay. Well, I mean it's good. Maybe if we get there. I'll talk to you.

[B]

It's very peaceful.

[A]

Since I know you charge. Not enough.

[B]

Yeah, I'm free.

[A]

Oh, that should be good. Oh, you're free.

[B]

Yep.

[A]

All right.

[B]

I don't charge people that I know. Like when vendors want me to do their wedding.

[A]

Yep. You do this as a hobby and you're going to.

[B]

I love it.

[A]

Subsidize it. I know you love it. And you also love that.

[B]

Because I explain that enough.

[A]

You don't have to. I know you like it. That's not something you have to defend. It is actually very clear in your actions through subsidizing it through debt that you love it. I'm saying that might not. That's one not sustainable for sure. Especially since you don't have a dual income household situation. Whatever. That's what you choose. That's okay. I'm not judging it. But this means you have to take more responsibility on your own because it's all on you. And said you're just up. So it's not about you loving it. Not loving it.

[B]

I think I'm going to get a cpa.

[A]

Yes. At a minimum would be nice because.

[B]

Because what you might be doing while.

[A]

Your taxes might be illegal.

[B]

No. I mean I hope not.

[A]

Anything and everything on TurboTax. It doesn't mean it's real.

[B]

But I only claim stuff that I like. Business.

[A]

Not everything's a write off. Not everything's deductible. The way everyone thinks.

[B]

Yes. Yes. Got it.

[A]

You will get destroyed. If the IRS decides to ever better.

[B]

Get my stuff in order then I agree.

[A]

You might have to.

[B]

It's all in my email.

[A]

You might have to re amend some of those taxes, but we'll see.

[B]

Yeah. Okay. That's fine.

[A]

Where do you think your finances land? 0 to 10. 0 being the worst, 10 being the best.

[B]

2.4. I took it three times.

[A]

Okay, very good. And what she took was a hammer financial score of which you can take for free. See where you stand in the world of finances. See where you're doing great, see where you need to improve and see if you're just doing average. Take the assessment and it is [e-mail] and don't forget to sign up for the Dollar Wise budgeting app. You don't want to be like a guest who ends up on the show. If you like it, sign up for the annual version to save a lot of money. And there you will also get our budget friendly cookbook signed by me mailed directly to you. And you can also bundle it with all of our educational in one for 80% off by joining the top end service, Dollar wise Central. Check it out. Tens of thousands of people have changed their lives. Dollarwise.com all right, time to get in these documents because there are a lot. What the are you saying when I'm talking?

[B]

Sorry. Oh, the coffee is kicking in for you. I could tell by your fast talking. That's all. I will shut my mouth.

[A]

Well, no, it's okay. I just didn't know what you were saying because I was talking.

[B]

I know, I'm sorry.

[A]

Okay. Oh, City Strata Premiere. I don't know the strata Premiere. I' done the strata premiere. This also fat stack. Maybe we're doing another fat stack week. This is crazy.

[B]

It's all one card ton.

[A]

This is not all one card, but this is crazy. This is a ton of paperwork. We're gonna be here for a thousand years. City Strata. What is this? Ladies and gentlemen of financial audit, this is one of the most exciting moments in this channel's history. You know, I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year because that is where my passion is. We finally did and now we put it all into one program called dollar wise Central. You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever you like literal tens of thousands of people have done with our programs, go to Dollar Wise.com click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time. This is a no brainer. Dollar wise dot com. Let's go.

[B]

The credit card.

[A]

I know what the you're using it for. What is going on with this card?

[B]

Girl, you've seen the show that card. I currently don't use it for anything. I did put two balance transfers. Well, technically three, but when it was paid off. So right now there's one on that statement.

[A]

What do you mean?

[B]

Like that $3,000 that you see is a previous balance transfer that's at 0% till January 2026.

[A]

Okay, well, interest is accruing on here.

[B]

Is it?

[A]

Yes.

[B]

Oh, how much for that month?

[A]

Four, five dollars. Oh, so it's from a previous one where the zero percent must have ended. Maybe I. Oh, $3,254.95.

[B]

Yes.

[A]

Okay, how long does this take to pay off? If you do minimum monthly payments only.

[B]

Oh.

[A]

Without purchasing anything, which historically you're likely incapable of knowing how much you spend money. But yeah, let's see.

[B]

Eleven teen years. I don't know.

[A]

Millennial bullshit.

[B]

I don't know. So therefore.

[A]

Listen again. She's lovely, just like the other person. That was the quirky millennial bullshit. I got called out for being mean to that person. But you have no idea. If you're just trying to have a conversation on the show and they're bringing in their quirky millennial bullshit and it is very obnoxious on the side of the table because it's interesting to see as the audience. Doesn't mean I have to enjoy it. Ha ha ha. How many years, lady?

[B]

Okay, so let's see. 3200 divided by minimum payment x times 4. Hold on. For real though, like 10 years.

[A]

12. Close. Okay, I want to fact check. You're not spending. Pull up the statement on your phone. What? What? It shows right now.

[B]

Like, damn, this is so much better on my.

[A]

What? I even believe that you're listening.

[B]

I'm not lying. You act like I'm lying about lying out of intention.

[A]

I don't know. But ignorance throughout this. Everything I've picked up in the, what, 35 minutes we've been filming. Yeah.

[B]

Okay.

[A]

This is this city strata.

[B]

I know because they did a balance transfer offer. Another one. Another. A separate $1,000. Yeah. Cuz I did a balance transfer offer.

[A]

So this is new.

[B]

Yes. And it's like 0%.

[A]

The debt's worse. The debt is worse.

[B]

It is, but it was moved from one card to another.

[A]

Great. Which opened up the ability to spend on that card.

[B]

No.

[A]

Yes.

[B]

Because it's paid off.

[A]

No, no. Therefore, I'm not transferred off you.

[B]

Oh, yeah, yeah, yeah. It's at zero.

[A]

That's.

[B]

Yeah.

[A]

Yes. But then it. All of a sudden. It gives you the ability to purchase when you don't have money because you spend more than you make. Oh, my. Oh, geez.

[B]

I've been trying not to use the cards that are very.

[A]

I'm thrilled that you're trying not to. She spends $2,000 more than she makes.

[B]

Used to be a lot better.

[A]

$3,254. It is actually at 6,964.59. Which, by the way, is only 500 from the limit.

[B]

Yeah. And they keep sending me balance transfer offers. I'm like, dude, I have no monies. I cannot do another one.

[A]

Okay. Oh, she's millennial. Millennial. Millennial.

[B]

What are you. Are you a millennial by a year? Are you a zoomer?

[A]

I know. The last millennial. I am the final millennial. But it's not like.

[B]

It's just that.

[A]

I don't know. I don't even do the gender because the gender is nothing. There's nothing scientific. There's nothing. Whatever. We just. As humans, we love to categorize things. I'm more of the belief. You're. You're not aligned with your generation. You're aligned with people 10 years older than you, 10 years younger than you. Those are the people you're similar to. Those are the people that you grew up, cultural wise. Other than that, it doesn't matter. And clearly, you know, you are outside of that range and. But either way, just the stereotypes. You were doing the full stereotypes. What is the normal monthly payment now?

[B]

Pardon me? What's the average monthly payment?

[A]

What is the normal minimum payment now that the balance is gone?

[B]

Oh, the minimum. Like $75 a month.

[A]

Okay, so it's gone from 41 to 75. Very good. Take your phone. I don't want to catch the millennial disease.

[B]

I know. Cooties, girl, cooties. Can I pull up my bank account for you?

[A]

No, no, no. Stop. We will get there.

[B]

I'm obsessed at this point. Can't think past it.

[A]

Stop, please. First of all, $270 of fees this year so far, which is now probably 500 because of your other New Balance transfer. Interest is never a coin. Yeah, $269.70 of interest this year. Great. That is occurring from only a $278.45 balance. That was a separate balance transfer offer.

[B]

Yeah.

[A]

Okay. And by the way, it's just two months. Two months in the $3,708 from the past month, not even your new month is when that, that starts accruing interest. So that'll start accruing interest in two months? Yes, actually from this exact date, less than two months. Great. And then with what you just put on is probably coming up in like what, six months, three months, four months, I don't know. So this is. It's not like. This is great. You're certainly not paying this off with the way you spend money, the way you live your life, the way you subsidize yourself on debt. You are not paying this off by the time it starts accruing interest. There's no way.

[B]

Yeah, less than two months.

[A]

Good. The clock. What was your plan with this card? What was your grand plan?

[B]

Probably do another balance transfer offer and tell how long.

[A]

That's not possible.

[B]

Yeah, I know, that's.

[A]

And then what? Your endless. Kick the count down the road and let fees and interest accrue over time. Because even if your balance transferring before interest accrues in less than two months, you're still getting these $250 fees every time you're hitting these things.

[B]

Yeah.

[A]

So you're just getting that every few months. So no matter what, I mean, it's like you're accruing interest regardless with how often you're doing it. So this, this doesn't make financial sense. And your debts is getting worse and you're doing nothing to even pay it off. This makes no sense to me. Yeah, I mean, I'm being told then just you've done it two times with a certain debt alone, just like, boom, boom, boom. And now you're doing it a third time, you're about to do it a fourth time. This is just insane. You're not a credit card person. Why do you use credit cards? So can't manage them to save your life.

[B]

The problem is like, I got my first credit card when I was like 20 years old.

[A]

So get it at the most at 18.

[B]

No, I know. Yeah, it was one of those cards where you like, it was secured.

[A]

Why are you using them today?

[B]

Yeah, I'm telling you. So basically from that age to like my late 30s, I was a credit card person. All of my credit cards, when I put money on them, I would pay it, whatever. Yeah, yeah, yeah, yeah. So what had happened was I went on a trip to Africa. At the time I could afford it.

[A]

Your ginger ass can't handle that, son.

[B]

It was great. I went in the winter, so technically it was our summer, but it was their winter, so.

[A]

South Africa?

[B]

No, I went to Tanzania. It's beautiful. You should go. You should take your boo there. She would love it. I stayed in a treehouse on my birthday.

[A]

I like houses on the ground.

[B]

Yeah, it was great, though. And they had an outdoor shower. It was super cool. Very solar powered hot water. Yeah, it was neat. No, I mean, they had indoor shower, too, so.

[A]

Anyway, in too many cities, dangerous illegals walk free as police are forced to stand down. Join ICE and help us catch the worst of the worst with bonuses up to $50,000 and generous benefits. Benefits apply now.

[B]

Join.ice.gov I bought this freaking safari. And then at the time, I had zero car payment. I had my car paid off. That I paid off in, like two years. I was so proud of myself because back then I had more money and my rent was like eleven hundred dollars back then. So then I got in a car accident, so I had a car payment. So then that reduced some of the money I was bringing in or, you know, more money going out.

[A]

I believe they call Orlando the Tanzania of Florida.

[B]

It is. There's freaking giraffes everywhere and alligators. Except Tanzania has crocodiles. Lol. Okay. Anyway, I forgot I'm quirky. Millennial. Ooh. That's what I'm gonna dress up for is Halloween. It's quirky, but it's gonna look like you. Sorry. So anyway, I used to be a credit card person. I used to pay them off all the time. I got into my safari debt. I saw all the freaking.

[A]

I don't.

[B]

Okay, I'm sorry. You keep.

[A]

No. You're claiming a safari?

[B]

Yeah.

[A]

For this. For $55,000 of debt, which is now higher.

[B]

So credit card and loan debt is like, what, $26,000? And then my car payment is the other 24. $4,000. Right.

[A]

You got more on credit?

[B]

No. Sorry, I thought you were away. Ah, don't get viol.

[A]

Stop touching my.

[B]

Just like my mom, I'm telling you.

[A]

Yeah. It's almost like you should have learned your lesson.

[B]

I didn't. I'm even worse now. Thanks, Mom.

[A]

Okay, so you did not answer my question. By any means.

[B]

Great.

[A]

Okay. Wonderful.

[B]

Oh, no. Yeah. So I used to be a credit card person. I used to pay it down. I did this trip. Then I. My freaking engine blew, so I had to get another car. I bought this Honda CRV that I love, and it's beautiful and amazing, and so my car payment went up, like, double. Then my Landlord wouldn't fix my toilet, and I'm living like white trash over here in this apartment. So I got a house to live in. And so now it's all over the place. Like, I have all my asses. Yes. Oh, yeah. Oh, no, it's not an excuse. This is the reason. Because I spend and I'm not able to pay it off.

[A]

You're not a credit card person. Use the card. Debit card. That builds credit.

[B]

Got it.

[A]

And if you also decide to ever get a job that makes money.

[B]

No. No, thank you.

[A]

Then I will give you a course. Career certification.

[B]

Oh, I'll do that. Yeah. I wanted to do accounting. I was looking at the other accounting.

[A]

I'll get you it for free.

[B]

Yes.

[A]

Okay. Yeah. So all that interest is about to start accruing like crazy balances higher than the statements you sent in. So that's wonderful. Okay. Capital One Venture. What's going on here, lady?

[B]

I got a lot of auto pays on that, so I pay my insurance.

[A]

$1,391.68 of auto pays. I mean, maybe because that was the purchases you did.

[B]

Yeah.

[A]

Which, by the way, is substantially more than you put towards the card in terms of any kind of payment. Oh, it's maxed out. That's Wonderful. Well done. $29.08 of interest accruing. She looks confused that I say maxed out. You're right. Technically, there's a $30 thing on there. You go to McDonald's one and I just didn't.

[B]

Oh, yeah. My capital one. Yeah, yeah, yeah, yeah. That is. Sorry. I get my credit cards confused because I got a lot.

[A]

Yep. We really trust the savings thing. You're really adamant about. $4,957.82 is the balance of the minimum monthly payment of $780. So what's actually going on with this? It's not just minimum monthly payments. There's no way. Unless your minimum monthly payments are insane. Your auto payments are.

[B]

$4,100 is a balance transfer offer. Yes. I'm the queen, dude. For nine months.

[A]

Doesn't make sense.

[B]

You're just.

[A]

You're never making progress in your life whatsoever, ever? No. Legitimately. You're okay with that?

[B]

No.

[A]

Then why do you do it? Because you're doing it. You're choosing to do it. You just did it. I just saw your phone since you sent the statements, and you've literally done it.

[B]

So I actually didn't realize how bad my debt was until I. Yeah. Until I pulled everything and I calculated it.

[A]

No.

[B]

Thought it was like, to be honest, like 12, 000 or less debt of credit, of bad credit card debt.

[A]

Oh, how are you so off? How are you so off?

[B]

Well, the bad credit card debt's like $21,000 because I just, it was like I was blind to it. It was like I go online and I see my accounts and I pay off my accounts and stuff, or not pay them off, but I pay towards my accounts. But, but I just wasn't. It was like I wasn't taking it in.

[A]

The credit card debt that you then transfer on European trips. Amsterdam, Paris, Dublin and then your, your stupid African trip.

[B]

Yeah.

[A]

This is just crazy. You're traveling endlessly. How often you travel and then you spend it all on a card. Let it sit there. Don't do anything other than the minimum payment until the interest starts to occur and then you transfer it, which is do that over and over again until you can't.

[B]

Yes, that is the goal.

[A]

That's the goal. I thought you said you didn't like it.

[B]

I don't. I was.

[A]

Then why do you do it? You have not answered that question. Why do you do it? Hi, listen here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to webull. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amounts and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up incentives are only five bucks, but you get $20 with my link number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to helium. Get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. You take the assessment@caleb hammer.com you will not regret any of these. Change your life today because in the.

[B]

Moment it instead of paying that $60 a month for month after month, you do the balance transfer offer and it's like 1% transfer fee. So you pay like $200.

[A]

That's insane, though.

[B]

Well, you pay the 200 and then if you. If you have four months. Okay, I have.

[A]

You don't pay it off in time for any kind of battle.

[B]

Oh, I see what you mean. Yes, yes, yes, yes, yes.

[A]

What do you mean? What else did I. Okay, fine. No, no, no, no, no, no. So listen, you literally just did this before coming on the show. You took that action.

[B]

Yes.

[A]

Walk me through that moment.

[B]

Oh, wait, what did I do before we came in?

[A]

Oh, you just transferred to the previous card. You. You tit. Listen, you just transferred because, remember, I had a balance of 3,000.

[B]

I'm so sorry. I thought you were talking about the capital one. We're all over the place here. And I'm already all over the place.

[A]

Walk me through it. You made that decision to just do that before coming on the show where you knew you'd be called out for it, even though you yourself are saying you do not like doing it and you do not want to do it.

[B]

It's a necessary evil at this point because I've gotten in the cycle, so I'm cycling through it. I'm an experienced person and a group. Jehovah's Witness. I was in a cult. Now I'm out. White trash Jehovah's Witness cult. I've succeeded. Oh, I mean. Oh, I don't have any broken down cars in my yard. Oh, do you?

[A]

No.

[B]

Good. Don't you hate when people park up by their front door, like in their yard? It's a Florida thing.

[A]

Weird.

[B]

Yeah.

[A]

Don't live in those areas.

[B]

The old apartment I lived in, that's the kind of area it was in.

[A]

Yes. Very good.

[B]

Slum lords, right?

[A]

Yeah. Oh, this is where you learn your tax strategies from your dad.

[B]

Yeah.

[A]

Your dad's never paid taxes because he's Jehovah's Witness.

[B]

No, I mean, I don't think they correlate. I think he just.

[A]

That's what was just typed to me.

[B]

Oh. I mean, I think it's two separate things.

[A]

He's never paid his taxes.

[B]

As far as I know he didn't.

[A]

I know you're in chat.

[B]

Oh, wait a second. I know that he did because he worked for Disney, like helping build 20,000. 20,000 leagues under the Sea. So back in the day, maybe he did. But as far as I know, when he had his own business, like growing up, as far as I know, he did not pay taxes. Because when I went to go sign up for college, they need your parents tax return. So that's when I learned. Because my mom never had a job where she could pay taxes. It was always like under the table kind of thing. So I've. I learned from them too. I know that it's super important.

[A]

Okay, gotcha. Let's see your purchases that were done on here. Our auto renews.

[B]

Oh, you're gonna love this. It's gonna be.

[A]

Sure I will. I'm so excited. PayPal and Hulu. Paramount. What the. Why are you getting Paramount, dude? Boxy Charm. Bisphy.

[B]

Ipsy.

[A]

Great ride. Paris. Microsoft. 365. That's fine. Little Caesars. Lots of Uber trips in here. Universal Orlando. Universal Orlando for $734. Sun Pass. Sun Pass. When you go to Universal for $734, you live there. How much you need to do that, you tit?

[B]

It's for Halloween Horror Nights, which is a must.

[A]

What?

[B]

It's a must. I must see you in the fog. Don't go alone. Except I go.

[A]

I don't know what you're saying.

[B]

Taglines from Halloween Horror Nights.

[A]

Oh, you're terminally online, aren't you? Because you're so alone. Yeah, I hear it.

[B]

I'm online watching this show.

[A]

Well, thank you. I appreciate it. Listen, again, that's nothing. Nothing's wrong with being alone. Alone's great. If you just.

[B]

Oh, I love it. It's great.

[A]

Everyone's journey is their own. I support everyone's choice to do whatever they want to do. It's not bad. It's not sa. I don't give a. You live your life. But I can tell through your language that you do not spend a single second not in front of a screen.

[B]

I mean, except for Halloween.

[A]

Spent $800.

[B]

I watch a lot of YouTube, like, true crime videos, so I'm always on YouTube.

[A]

World market. And there's Premium. Yes, she is. And Miller Sale House.

[B]

Forder Miller's Ale House. It was foods.

[A]

Right? So just bullshit bull all day. There's your $255 of fees because of your transfer at one point. At some point this year. And then $46.95 of interest. Oh, and little sisters. I don't know if I said that.

[B]

What? What was the last thing? Okay, not important. I've already been three times, and it's magnificent. It's a pass.

[A]

That you've been get out of debt instead.

[B]

I.

[A]

You want to see the transfers? Maybe. I mean. What do you mean maybe?

[B]

I can't Fight you.

[A]

Huh?

[B]

I said I can't fight you.

[A]

Yeah, because that's the most basic ass thing you could do. Don't spend $700 you don't have. What was it? Yeah, $750 you don't have. You'll spend money there. You'll get food, you'll get drinks.

[B]

No, I don't spend. No.

[A]

I don't know.

[B]

I buy candy. So I'll buy like three or four dollars worth of the bulk candy. Their food's not really worth it, to be honest with you.

[A]

No, it's not. But neither is going when you've already been. And you have debt that is accruing at 30% interest.

[B]

Yeah.

[A]

And a lot of more deaths are going to be start accruing at 30% interest starting in literally just like a few weeks from now.

[B]

November 1st.

[A]

November 1st. Spooky season will be done.

[B]

I know.

[A]

Yours will just be.

[B]

I'll be sad. Womp womp wom.

[A]

She's.

[B]

Oh, no.

[A]

Throwing out womp womps.

[B]

Womp womp. That's my life, my motto, my theme song.

[A]

I'm gonna die. My theme song after filming an episode like this. Sounds like a trigger being pulled.

[B]

Affirm Gun jokes in Texas. We got him in Florida, dude. Yeah, yeah, yeah, yeah. And hating.

[A]

Oh, good. We owe $500 on some affirm. But it started at 6,000. What was this? NAR. My plastic surgery. What did you get? You look your age. What's been done?

[B]

Maybe I had a facelift. No, don't make a joke. I didn't want you to be like, clearly you didn't, or you're ugly or whatever.

[A]

No, you just literally look your age. So I'm like, what?

[B]

What happened?

[A]

What did you do?

[B]

Tummy tuck. I skipped my yearly patient last year and I got a tummy tuck in December.

[A]

Is that. Is that the skin removal? So you lost weight?

[B]

I was. Not recently, but a long time ago. And you just had skin flaps? Yeah, yeah, yeah, yeah. And it was probably alive.

[A]

Flaps and skin.

[B]

Ok. Flappies. My flaps were flapping. Oh, I know. I shouldn't have said that. I know that can be the.

[A]

Again. Thumbnail again. Age gap. Listen. Age gap.

[B]

Well.

[A]

I'll. I'll do 10 years.

[B]

I'll say. With the tummy tuck. The. So not only did it make my stomach look and I just feel so much better about myself, even though I'm.

[A]

Like the only one that's $20,000 or $6,000.

[B]

Second.

[A]

You're not out there dating?

[B]

No, I don't date. No. I'm Good.

[A]

When's the last time you've been with someone?

[B]

Ew.

[A]

Like desperation? Or just like. Oh, let's try to.

[B]

I mean, I guess it was desperation. Let's call it that.

[A]

Why'd you do it?

[B]

It was the longest. We can save it for the after show if you want. It's a story. I told her. Did I tell you? No, I think I told another girl. I've been telling people. I think all gingers looking people need to know. No, I just was telling somebody today. It was her. No. Oh, my God. No.

[A]

You have not met a person in three years.

[B]

11. I've been single for 11 years and I met one person three years ago. And then that you spend.

[A]

This is a finance show. So we're going to talk about her sex life. What made that happen?

[B]

It was the long con. So we were friends for years.

[A]

Was it Mickey?

[B]

And then he got a divorce. Mickey Mouse.

[A]

Oh, you. Your friend.

[B]

He. We were hanging out together for months and then.

[A]

Was it a one timer?

[B]

No, we started hooking up. Technically, I did.

[A]

Whoa. So seven years of dry spell? We're like.

[B]

No, nine years at that time.

[A]

Yikes.

[B]

And he totally took advantage and really screwed me over like crazy.

[A]

What does that even mean?

[B]

What?

[A]

It was screwing over. You were just.

[B]

I think we should save this for the after show.

[A]

We'll save this for the post show is what it's called. Okay.

[B]

Oh, sorry.

[A]

If you want the rest of the tea, we'll save it for the after show.

[B]

It's a good one. It's a good one.

[A]

I hope so.

[B]

Unlike my credit card debt. Okay, well, you know, but real quick with the tummy tuck.

[A]

So.

[B]

Although I look and I feel so much better. Good. I've always had back problems. Like, very bad back problems. I have like a L3. Whatever the hell, since they stitch up your abs when they do the tummy tuck. I haven't had back pain eight months.

[A]

That's wonderful.

[B]

Amazing. Yeah.

[A]

Okay.

[B]

It was debilitating. Yeah, yeah, yeah. It was crazy. So, yeah, I feel better.

[A]

Can't get your back blown out when it's already blown out, right?

[B]

Lol. That was terrible. All right, if they do it right.

[A]

Drop in literal verbal LOLs. Okay.

[B]

So technically, the tummy tuck was 10,000 all in all, including aftercare, post massages and undergarments.

[A]

Since we're both millennials, let me DH myself real quick. Six, seven. Okay, we're good.

[B]

Let's go. He hates me. I hates me.

[A]

I don't.

[B]

I always say nobody will ever hate me more. Than I hate me. So good luck.

[A]

You sure about that? You sure about that? Wow. Yay.

[B]

I know.

[A]

Joyful, what's your minimum payment on this?

[B]

500. But I have one more payment. Yeah, Today? This month. The 18th.

[A]

Very good. I want to incorporate that into your minimum payments then. Okay. City simplicity. What's going on with this? City simplicity. What's going on with this?

[B]

I don't know. I just put a lot of charges on it.

[A]

Oh, good. Well done.

[B]

So that one is just random.

[A]

You made a minimum payment last time and then you purchased $67. You had a credit of three bucks. $73 of interest.

[B]

What?

[A]

You're over the limit by $162.26. Oh, for. Here it is. $4162.26 with a minimum monthly payment. Minimum monthly payment of $277.84. Why? This takes 20 years to pay off. 20 years to pay off.

[B]

I've never looked at that statement.

[A]

Great. Why would we look at statements that we are spending on?

[B]

I should do that.

[A]

You should do that because you're over the limit. You're going to get fees up the. Oh, my. Okay, we got some klarna on here. We got pure beauty. More Klarna after pay. Listen, here's the thing. Here's the thing. Here's the thing. Let me tell you. She goes. She after pay. She. Clara. Okay, well done. Instead of making her payments of her klarna after pay, she puts it on a credit card. She pays her debt with debt and then she transfers that debt to another card, lets it accrue. And then all of a sudden, she pays the fee to transfer it to another credit card. And then she transfers it to another credit card till the end of time until pays 1%. 1% balance. Visa until the end of day. And the balance only goes up because of the 1% fee. So every few months it goes up by 1%. Endlessly, forever. That's how we pay for our Klarna. Well done. That's wonderful.

[B]

It seems much simpler than that when I'm doing it. Okay.

[A]

Pew Beauty. Klarna issues. Wendy's going in, getting some. Getting some Wendy's Peacock Premium.

[B]

Why?

[A]

I don't know. I guess. The new office show's coming out today. I'm excited.

[B]

Paperclip or something. What's it called?

[A]

Calm down. Five Below. Dunkin.

[B]

Dunkin Donuts. I love their frozen coffee.

[A]

Okay.

[B]

It's good.

[A]

Klarna. Panda Express, Poppies, Popeyes. What the am I saying is a get into get into and after paying. What are we doing? Interest accrues 500 this year so far.

[B]

That's a lot of money.

[A]

Yes. Why are you allowed to even consider yourself to spend this much money?

[B]

I don't know.

[A]

Nine cards you can't pay off. That is now over maxed out while you just blow all your time doing a hobby every day joke of a life you're living right now.

[B]

Yeah, I'm a clown.

[A]

Okay, okay, so here is a judgment then. And this is more of a question than a judgment. Again, I don't care about the. You know, I could be alone together forever. Like I don't care. If we want to. If that's how we want to list our lives, that's fine. Again, that doesn't matter.

[B]

I don't want to be forever. I've just been alone for 11 years and I'm okay with that. I am not going to settle.

[A]

You suggested you were okay with.

[B]

Oh, I am okay with that. Yeah, yeah, yeah, yeah. I.

[A]

In the future.

[B]

Yeah, I'm open to. I've been open but I've been really focusing on like building.

[A]

You've been opened three years ago, but that was the last time.

[B]

Yeah, that really put me in a bad way.

[A]

After show I'm ask host show. I'm asking because you're alone, which inherently is not a bad thing because you have no one to rely on you because you don't. Don't have that other half or anything. Do you not have as much care to clean this up because you're living your life like a way where you don't give a. Is there nothing to achieve? Nothing to care for, nothing that you are ambitious towards? I don't know. Is there no incentive here?

[B]

There is none and there's nobody to hold me accountable. My two cats are shouldn't need that bad.

[A]

I'm talking about you wanting to improve your life for a reason.

[B]

Yeah, well, so. Well, not only because I just didn't realize how much credit. Bad credit card debt that I have.

[A]

But why do you even care?

[B]

Because, well, it's bad and I don't want it.

[A]

Why does it matter to you?

[B]

Because I just don't want it to get out of control. And I am open to like having a relationship, but I'm not trying anything to miss anyone into the. No, I'm not. So also I'm not trying to bring this into the relationship. I don't want them to bring 20 or 50,000.

[A]

No, but you don't. You don't take someone's debt In a non legal way.

[B]

Yeah, like when.

[A]

In your first year to dating.

[B]

But when you date somebody, you like, help each other out, so not.

[A]

Not. Not in like your first, the least few months.

[B]

Yeah. No, no, no.

[A]

So you can still get out there. Okay? You're just spending like nothing matters. And you have no incentive to change because you don't, unfortunately. Listen, we're at like a 30 interest for this.

[B]

Yeah.

[A]

All right. Built.

[B]

Yes.

[A]

This is like the rent pay card, isn't it?

[B]

Yes.

[A]

Built. Sponsor us. Come on, dude.

[B]

Oh, my gosh. They totally should.

[A]

I agree. They totally should.

[B]

Totally.

[A]

Okay, well, at least you're not maxed out. $2,728.68. Well, you purchased $4,011. You'd think it's all rent, but I have a lot of highlights below. Meaning it's not all rent. Oh, $28, your minimum payment.

[B]

I usually don't use that card.

[A]

This one looks like it's normally paid off, so I'm.

[B]

Yeah.

[A]

Oh, well, actually, never mind. If you normally don't, then I'm gonna actually count it towards the debt, so never mind keeping it 14 years to pay off. Sonic Driving. Taco Bell Bath and Body Works, Margaritaville. Oh, in flight sales of pay Of Pay. Pay.

[B]

What is that ov. Pay to go on the tram in the Netherlands.

[A]

Oh, good death. You just did that.

[B]

Yeah, maybe I went in June. The Margaritaville though was like $400. But it's only because we had a cabana and they put it all on my card, but everybody paid me back.

[A]

Who's we?

[B]

We is a bunch of wedding vendors. We had a pool day at Margaritaville. We got cabanas and we drank Tony's Chocolate.

[A]

Netherlands. Tony's Chocolate's the best station souvenir in Paris. Paris. Vanguard Distributed Van Gerry Paris. I don't know. Going in against the Bernard's market. Currency exchange. Currency exchange. Currency exchange. Currency exchange. Currency exchange. Currency exchange. Currency exchange. Currency. Sustains Hyatt residency. This is crazy. That was a thousand dollars. You can't afford this trip. You're drowning in debt, your business doesn't make money, and you only make $44,000. Like below the median net income for that area. What the are you doing going on a big European trip at 42? Who the do you think you are?

[B]

Queen Elizabeth? The Hyatt from Netherlands?

[A]

Are you suggesting that you're.

[B]

I actually paid two nights with points, so they re. They did refund that on the next statement.

[A]

Huh.

[B]

So the Hyatt, all of it was a thousand dollars.

[A]

No, not four. No.

[B]

Oh, it was one. Four, $1,000. So one night was supposed to be paid with cash, and then two nights were points and they messed that up. But they did credit me on my next day.

[A]

But the whole point of this card is to pay your rent on it. You're just going and blowing all this money in Europe.

[B]

You. I used it as my 0% foreign transaction fee card. So instead of you spending money.

[A]

Oh, there were transactions at a minimum.

[B]

No fees.

[A]

No fees. But you shouldn't have gone. You can't afford it in any way whatsoever.

[B]

My points were expired.

[A]

Should have been a reward trip after you got out of debt and had a fully funded emergency fund.

[B]

I'm going to go to Antarctica.

[A]

Okay, that's not booked.

[B]

Not now. No, no, no. When I get out of debt.

[A]

Yeah.

[B]

I'm going to get back into $20,000 debt.

[A]

That's more your weather.

[B]

Going to Antarctica. Yeah. I'm gonna wear a jacket and a cap. Seal skin pants. You know the drill.

[A]

Okay.

[B]

That's what they wear, right?

[A]

Stop.

[B]

Okay.

[A]

Southwest Rapid Rewards. What's going on with this lady?

[B]

I love Southwest. I flew them here and I will fly them home.

[A]

I've never heard someone say they like Southwest.

[B]

I love Southwest. My only problem is that they don't let you choose your seat in advance. But they're starting to do that, which actually kind of sucks.

[A]

Isn't that a pretty big thing that you would want to do?

[B]

Hell yeah, I do. Because I like a window seat and I'd like to.

[A]

Why do you go Southwest?

[B]

Because their customer service. Like the guy yesterday when I flew here was acting like the Grinch and it was fantastic. He was like, being real mean.

[A]

I love the Grinch in September.

[B]

Hey, that's the Grinch all year round.

[A]

That's what I like to see leading up to 9 11. Someone going crazy on an airplane.

[B]

Yeah, he was being real rude calling people needy. It was fantastic.

[A]

It's so needy. This plane needs to go down.

[B]

Yeah, it wasn't the pilot.

[A]

Luckily, they weren't the ones who did it.

[B]

Oh, yeah, that's true. It wasn't the flight attendants.

[A]

They weren't the ones who did it.

[B]

Oh, yeah, you're right. It was our government.

[A]

The number one YouTube membership just got upgraded. Three exclusive shows every day, Monday through Friday. Financial audit Post shows exclusive and uncensored financial audit episodes. Our call in show. Hammer it Out. Well, then take the train. And brand new shows. Fat and fatter. I would go off brand behind the audit. What? This was wild. Shop Smart. And now upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. 40 minute payment on this. Oh. 461.13.

[B]

Yeah, I do the snowball method. So I'll have.

[A]

What do you mean when you say you do. You don't do a method. Credit cards in Europe. You. What is your snowball method? You've never heard of snowballs in your life other than your Antarctica trip.

[B]

Small ones first.

[A]

What do you mean? You pay. You spit on this. You.

[B]

Oh yeah, but then I pay it.

[A]

No, you don't. Not always. That's not true. This takes 13 months to pay off. You've never heard of snowball methods. You've had interest accrued this year so far. You don't always pay it back. David Ramsey does not agree with your snowball method.

[B]

That guy, he stole my bike.

[A]

David Ramsey?

[B]

Yeah. I don't know what his problem is.

[A]

He stole your bike?

[B]

I'm just kidding. I could have said he got me pregnant. What was the joke?

[A]

He got you pregnant?

[B]

Yes. And then he stole my bike. How am I going to get to the hospital and have this baby?

[A]

Is this a 42 year old joke that I just have never heard of before?

[B]

No, I'm just.

[A]

I've missed this one.

[B]

I'm bad at jokes. I try though.

[A]

Oh, you're okay. Honestly, Just a little. You know, in this kind of conversation that personality annoys me and I'm okay with it outside of here. But that I just wasn't. What even was that?

[B]

Whenever.

[A]

Okay. Okay. Okay. Over a year to pay off. Good Amazon all glammed up.

[B]

Yep. Got my hair.

[A]

La Madeleine. Going in and getting some.

[B]

Going in and getting some French pastries.

[A]

Okay. Okay. Yeah, sure. Pull up your Amazon for me if you may, please.

[B]

So we do share. So I use my work through my day job, my full time office job. We have the Amazon.

[A]

How many? Well, I wouldn't know. What's yours then? Tell me what's yours.

[B]

Well, I buy scar tape for my scar.

[A]

How big is it?

[B]

My scar?

[A]

So you have to wear it constantly with scar tape.

[B]

So it helps get rid of your scar.

[A]

Will it?

[B]

Yeah, I hope so because I also use the cream with it. That's what my doctor recommended. Oh, I bought air filters for my house.

[A]

Okay.

[B]

I bought. Wow. We buy a lot of stuff. Oh, I bought a hand fasting cord where the couple will have their hands tied together when they. Oh, I Bought a filter for my car that.

[A]

We already did that.

[B]

Oh, no, I'm sorry. I bought AC filters for my house and then I bought a cabin air filter for my car. Wow. We okay.

[A]

You endlessly pay a ton of money on Southwest to go to South Dakota.

[B]

I love South Dakota.

[A]

What are you.

[B]

I love it. It's my home away from home. You can get a really good deal going because it's South Dakota. Orlando to Denver. And then you rent a car in Denver and you drive up to South Dakota.

[A]

Not close.

[B]

Yeah, it's like three or four hours. It's three and a half hours.

[A]

Okay.

[B]

To get to South Dakota from Denver. Way better than flying. No, to get to the Black Hills of South Dakota, where I go near Mount Rushmore, you know, is Custer State Park.

[A]

Orlando, Africa.

[B]

Yeah.

[A]

What Black Hills?

[B]

Yeah, the Black Hills.

[A]

I think I know your type.

[B]

Yeah. What country? White trash, BBC. What is my type? Big.

[A]

Whoa.

[B]

What? What is it? I don't know what that means. BBC, by the way.

[A]

It's a six hour drive via the map.

[B]

It's a six hour drive.

[A]

She doesn't even know.

[B]

There's like no. Driven it many.

[A]

She doesn't even know time. She doesn't even know times. Okay.

[B]

I could swear I drove it in three and a half, four hours.

[A]

670 miles. We clocked it six hours, two minutes. If you leave right now.

[B]

Hmm, interesting.

[A]

Okay. PayPal business loan. Oh, you have a business loan for the business that makes no money?

[B]

Yeah.

[A]

Oh, why?

[B]

Why not?

[A]

Cause the business makes no money.

[B]

Yeah.

[A]

Would be my why not?

[B]

I feel like the business does make money.

[A]

Oh. But I think because your taxes didn't.

[B]

Say which means irs.

[A]

Did you hear that? She says her business doesn't make any money when she files her taxes. But she's saying here that she actually makes money.

[B]

I feel like it does, but clearly I need to review.

[A]

You feel like a six hour drive is three hours. You feel like you have money in your savings. You don't.

[B]

I do.

[A]

Well, you have money, but it's not what you think. Everything is feelings based with you. It doesn't work. Work.

[B]

Yes. What? I'm sorry, I spaced out. I do that a lot. I disassociate. It's the only way I get around.

[A]

You go into the office for your job?

[B]

No, we work from home.

[A]

Oh. I need you to have human interaction.

[B]

No, I get enough at the weddings.

[A]

I guess that's like not normal. That's like wedding energy.

[B]

Yeah. It's a different person. That lady up there doing Weddings is not me.

[A]

Okay, so what's the current balance on this? I don't. I don't know. Well, you just took it out, so.

[B]

Okay.

[A]

$5,000 then. Payment. Yeah, it's a weekly payment. Death of 101.85. The interest looks like it's like 15.

[B]

I pay it with my credit card. I don't do that. Just kidding. I know you'd love that though. It shouldn't have any weekly or monthly or any interest because I paid the one time fee.

[A]

Yeah. Which is what that is. I'm calculating.

[B]

Okay, I see what you mean.

[A]

407Amonth.

[B]

Yes, sir.

[A]

Take this out. 4.

[B]

To pay down my debts, my business. So I have the advertising that comes out on my one credit card. So I definitely used it for that. And then maybe other stuff. Maybe I used it to go to.

[A]

Wait, do you not know Europe? Did you.

[B]

No, I didn't do that. I used.

[A]

What did you use this for? What did you take it out for?

[B]

I'm asking to pay off my debts. So I paid off credit cards. A lot of the. So my chase.

[A]

And that works so well.

[B]

I know.

[A]

Doing over and over again and it's never worth once.

[B]

It'll happen one time. I'll get it paid down. I'm excited. I'm ready.

[A]

You are middle aged, right?

[B]

Yeah. What?

[A]

And like, if it's gonna happen, why hasn't it? You're like, you're in the middle of your life.

[B]

All of this stuff, all of this is literally after 2022. So I just went buck wild. Apparently. I just didn't realize like how wild I was going. But I did. And here we are.

[A]

Best Buy. You have a best bike. Oh, you have a Best Buy car with a substitute. Substantial balance, $3,260.30. Why? What? Let me guess. You need a laptop to send emails.

[B]

No. Well, I mean.

[A]

$33 minimum payment. You purchased $39.70 for some moronic ass reason. By the way. 18 years to pay this off. Minimum payments without any purchases, which you purchase.

[B]

What the is going on with the Best Buy card?

[A]

Yes. Why is it as such a substantial balance? Let's start there.

[B]

So I did a balance transfer offer.

[A]

Oh, okay, great. On the Best Buy card. I didn't even. Who uses that for that?

[B]

They do that.

[A]

And then she went to Sonic. Drive in and got gas. What the.

[B]

No, I didn't.

[A]

Right there.

[B]

Oh, I thought you meant I got gas at Sonic. I got corn dogs at Sonic.

[A]

You can't get cast at Sonic.

[B]

I was wondering why? You said that? I thought you said you got gas at Sonic. You just talked so fast. I can't keep up. My brain is slow. You're telling me off like a Sunday morning. It's just, you know, slow and chill.

[A]

It's Thursday, you mother.

[B]

Damn it.

[A]

30% interest rate of death and stupidity and moronic behavior. $151 to fees from the transfer. Okay. When does that interest start occurring from big balance? Oh, good. Like five weeks.

[B]

Yeah, five weeks. Oh, like November 1st. So that card, I had a promotional offer on it from when I purchased probably my last phone a couple years ago. And it went down to $150 that I had to pay off. And I didn't notice and I didn't pay it off. And then one day I woke up and there was $1,200 in deferred interest on my bill. And I was. So I called them and they took it off.

[A]

Really?

[B]

I almost died, though.

[A]

You don't deserve that.

[B]

I don't deserve that. And the guy was so nice about it, but he said, as long as you can pay it off right now. And I was like, I totally will. Because I didn't realize I had just that much. I didn't know I had anything left on that loan. I thought it was zero. So that was a big Lesson learned.

[A]

Okay. USA Bank.

[B]

Yep.

[A]

Credit card. US Bank. Okay. On this, you owe $2,552.52. Great. Not that far from max out. 78 down, minimum payment. Oh, interest. $52.52 occurring. So what are we doing with this?

[B]

What? I honestly can't remember what I put on that card. It was like a year ago.

[A]

It was a year ago.

[B]

Telling you, my spending. It's just this.

[A]

$82 fees this year. I don't think this has a. What is that fee for $82 of fees? Is that late payments? $53 of interest. Which means interest has just started accruing. So your interest free period on something has just ended.

[B]

Yes. Okay. I don't know what the. Probably.

[A]

Dude, this is what you do over and over again.

[B]

Yeah.

[A]

You're never going to result in any progress in your life.

[B]

Agreed.

[A]

Yet you do it.

[B]

Yes.

[A]

That means nothing. You're agreeing with me. Does nothing.

[B]

It definitely doesn't take back all the credit card charges or prevent any future ones.

[A]

Yeah. Okay. Chase Ink. Carter. What's going on with this?

[B]

That's the card that my advertising goes on.

[A]

We owe 500 bucks. Yeah. You spent 213. Yeah. Interest accrued. So, yes, we're gonna call this a balance. $500.90 minimum to payment $188.76. Okay. Fees. $9. And it's a fees for what?

[B]

$9. Did you say $9 a month?

[A]

69 this year. Oh, it's a plan fee. A plan for Airbnb.

[B]

Yeah.

[A]

And then a plan fee for seduction.

[B]

Because that's my plastics or my tummy tuck. So I said it was 7,000 because I paid a $1,000. Yeah. Yeah. Oh.

[A]

21.49 interest rate. Went and got some things from the supermarket, got some gas, something at Honda. I don't know.

[B]

Oh, oil change. Always an oil change. I drive a lot, so I get. Yeah.

[A]

What's going on with this?

[B]

How much?

[A]

Okay. $1,014 and 7 cents.

[B]

Oh, so that's the one that my advertising goes on. I actually don't know.

[A]

She spent 863.1147 cents of interest is accruing.

[B]

Yeah.

[A]

G Suite. The not worldwide.

[B]

That's advertising. Yeah.

[A]

Okay. And then the not worldwide. That's advertising. Okay. 22 hours of interest this year so far. Okay. Middle monthly payment is credit card interest.

[B]

Tax deductible on a business credit card because I don't claim my interest and you're the tax person.

[A]

Don't know. I'm not the tax.

[B]

I know. I was kidding. I was kidding. I'm gonna talk to a cp.

[A]

I know lots of tax questions, but I actually don't know the answer to that. I mean, someone proposed at some point having all interest on credit cards being tax deductible.

[B]

But I think that would be awesome.

[A]

That would be ridiculous. Because why the would we allow someone to.

[B]

Yeah.

[A]

Behavior to be tax deductible and then all of a sudden just never paying off their debt? So stupid. And then it's just. It's just a business that would just be so beneficial to the credit card companies. Like, we're just supporting them as a country and culture. That's so weird.

[B]

Yeah.

[A]

Like subsidizing them.

[B]

Amen to that.

[A]

I. I doubt the interest itself would be tax deductible. But your payments to the car. No, because then you're spending interest you pay on a credit card is deductible as a business expense if the charges on that card were used solely for a business purpose.

[B]

Oh, that's awesome.

[A]

Sole proprietor deducted on schedule C. Yeah.

[B]

That'S what I call, Schedule C. Okay.

[A]

So yeah, you should be doing quarterly, by the way.

[B]

Oh, okay. I will.

[A]

Two quarters late fees are not tax deductible. Though.

[B]

Yeah. Okay.

[A]

Why wouldn't everyone just. Okay, okay. Freedom card. What's going on with this freedom?

[B]

I just have one recurring charge that.

[A]

Great. $125, but pay it all off. $204 is owed. And $0.81 minimum payment. 25 bucks, which is all you put towards the last time, then allowed that recurring charge to hit $4.81 of interest. That is a medical spa. Something critical when we can't afford life.

[B]

Correct. Great.

[A]

Wonderful Honda. Oh, this is your car you're driving everywhere, right?

[B]

Yes, Sir. It's got 74,000 miles on it now. And I got it when it was six miles.

[A]

Okay, good.

[B]

In two years.

[A]

Well, you owe $27,124.90 interest rate of what?

[B]

Five point.

[A]

Yeah, yeah. Okay. Not the most horrendous thing in the world. Not the world. With the depreciating asset. 551.60 is your minimum payment. That's kind of sucks for your income situation for sure. What do you think it's worth?

[B]

So cash 26, trade in 21 to 23.

[A]

I got cash 24, but.

[B]

Oh, that sucks. I Kelly blue booked it like so did we. Oh, weird. Okay. Yeah, they keep trying.

[A]

I mean, if you go up on the higher end, but if you bring in the low end and then do in the middle, it's about 24.

[B]

Yeah. I mean, I couldn't private sell it anyway. I'd have to trade it in or something.

[A]

Well, this minimum payment is substantial for your income for sure. Breaks the every rule in the book. What is that? $511.60.

[B]

I figured if hit the fan, I could live in it.

[A]

You might have to.

[B]

My standards are pretty low.

[A]

Literally 21 of your income.

[B]

Yeah.

[A]

Why don't you trade down?

[B]

Maybe. But I love was the best thing that ever happened to me, which tells you how sad my life is. Ah, the best thing that ever happened to me was I got to do a wedding in Alaska.

[A]

I don't care. Sorry. I don't care. That's not this conversation. That's not this conversation.

[B]

You can get married there too.

[A]

This is not so.

[B]

I have been car shopping our car. I've been car shopping on carvana recently.

[A]

Trade in?

[B]

I don't know. I was actually gonna ask you that. I'm getting the itchies.

[A]

Well, we got a couple options, so I'm.

[B]

I'm gonna. 2015 Toyota Corolla. Yeah.

[A]

And a 2017 Toyota Corolla.

[B]

Yeah.

[A]

A 2017 50th anniversary edition Toyota Corolla and a 2016 Toyota Corolla. We're going Toyota Corolla across the board.

[B]

Sounds good.

[A]

I want you to shop and choose which one you would trade in.

[B]

Let's see here.

[A]

Yeah, take the options. Don't pull off the sticky yet because these are what you're shopping for. Lindsay's been said this is what you've been shopping for. So here's the options that we've pulled.

[B]

So this is literally what I've been looking at.

[A]

So yeah, pick what you'd pick. You got the miles on there. And by the way, this is in Orlando, Florida too. This isn't even here.

[B]

Probably the 2015 with 52,000.

[A]

Okay, 2015, 52,000. Let's see what that is. Going for. 16,900 doll.

[B]

So I was hoping it'd be.

[A]

You would be at a 20,000 hour loan. So it doesn't really make sense anyway, especially with where your credit score likely is and where interest rates are. Your interest rate wouldn't be great. So that makes no sense.

[B]

My credit score is a 735.

[A]

Well, that's if you're shopping on Carvana.

[B]

They have fees to deliver. So I'm hesitant, like I'll drive to Tampa or wherever to get it. But.

[A]

But if we get this 2017 Toyota Corolla 73, 000 not on Carvana, that's 12, 000. So we'd be at like a 15, 000 loan. Because Carvana is a piece of company.

[B]

Oh, I was gonna say milk you.

[A]

And they won't even negotiate anything.

[B]

Oh yeah.

[A]

Now this does have more miles for what it's worth. But it is a newer car. Who knows what the condition is. And so this is a Carvana one. If I'm not mistaken, this is a 16, 900 car. Toyota Corolla 2017 with 70,000 miles. So substantially expensive. But if we go to the 2016 car, comparable more to your 2015 at 79,000 miles. This Toyota Corolla, not a Carvana 10,900. So either way, I mean that would save you with the value that you need to borrow to pay off the car loan with what you currently still owe on it and what it's worth, that would be a total debt of like 13,000. If you got that car, I'd be down with that. Trade it in. $13,000 loan, that would be good. That would be substantially better than 24. But again, the interest rate might be rough, but if it is, you're still saving more money. If we pay it off quick.

[B]

Yeah.

[A]

So that would still be worth it in my mind. Okay. All right, let's talk about the checking account. 31 is horrendous.

[B]

Yeah. My personal checking. I keep no money in that account.

[A]

That's horrible though. If any payment hits for whatever reason, or even just accidental swipe, I have overdraft protection.

[B]

So it pulls from my savings account when I do that.

[A]

Let's see, $50, PayPal, $45, Zell.

[B]

$50 is to my dad for PayPal.

[A]

And the Zell. And the Zell. I said yeah. And the rest is just transfers back and forth.

[B]

Not sure what a 45 Zelle would be. Probably something stupid, though.

[A]

And then this chase business, checking 2750 started at 4, so it's headed on the way down.

[B]

I loaned my brother that extra money.

[A]

Why? Why are you loaning your brother money?

[B]

Money? I'm.

[A]

Dude, you just don't have any.

[B]

But I have it in my checking account. No, I should be going to debt and really in. In. What did he need it for?

[A]

What did he need it for?

[B]

I don't ask him what he needs.

[A]

Real life.

[B]

This is real life.

[A]

Is your statement.

[B]

I don't care what he spends his money on.

[A]

What do you need money for? He just said he needs money. Oh, you might be enabling someone you don't even know.

[B]

No.

[A]

Lots of family and selling a lot of ATM and draw 308. Who knows where that went? PayPal, Best Buy, Best Buy, Zell, Zell, PayPal, Zelle, Best Buy, PayPal, Zelle, PayPal, Best Buy, Best Buy. What are you getting from Best Buy? Every second of your life. Okay, here's savings, $2,000. And then here's savings. 2,650.

[B]

Wait a second.

[A]

Okay, so it's about half of what we thought, but that's again, not surprising at all.

[B]

It is nine in any way whatsoever.

[A]

Okay, 4,000 in savings. Gotcha.

[B]

It's nine. It was nine.

[A]

Was. Isn't. Okay. No, I mean 4,000.

[B]

This. This time period, it was nine. I don't know. Why? I don't know. Because I have four. I have two savings and two checking accounts.

[A]

Your checking is in savings and that was 2,000. In your business, that was brought down from four. So you're right. If you add the four and four, you're close to eight. But you brought it down to two. Loaning to your friend, and that's not savings. Anyway, that's your business. So. Listen. Stop. No more. These are your statements. You have 4,000 in savings. You have a couple thousand in your business checking. Okay? That is it. And like $40 in your personal checking, so I don't want pay to hear it.

[B]

Got it.

[A]

Oh, my gosh. Dude, I don't think you know what savings is.

[B]

The money I've been saving.

[A]

Okay. Your income is $2,452. We're gonna do expenses, not including business because it's a wash. So debt payments, let's add those up. 75 + 78 + 227 + 0.84 + 28, + 40 + 407.4 + 33 + 78 + 188.76, + 40 + 25 + 551.6. No student loans, no house. So nothing that's actually benefiting us in any way whatsoever. Minimum payments to the debt. $1,772.60. That's crazy for your income. That is death. That is insanity. You are ruined. That is 72% of your income is going to debt. What is your rent?

[B]

Eighteen hundred fifty dollars.

[A]

You're a thousand. You're over a thousand dollars over budget already for.

[B]

Oh, between the minimum payments and the rent.

[A]

Yeah. Okay, one, you need to downgrade your living situation immediately.

[B]

Okay. You're getting a roommate?

[A]

Yes, please.

[B]

Cool.

[A]

You kidding me?

[B]

Just kidding. I don't want a roommate. I'll have my two cats pay rent.

[A]

Okay, so it's a joke to you.

[B]

Nope.

[A]

You need to down garage. Your rent situation capped at a thousand, which. Yes. It's not going to be perfect. It's going to be a downgrade. It's not great. I know. A thousand. That's where you're capping.

[B]

What?

[A]

What? What? And two, listen.

[B]

Yes.

[A]

You can dedicate time to this side hustle, whatever bull, but you gotta pick up another side hustle. It is time to pick up something else. And I did just get a note, which, thank goodness, because I wouldn't be able to budget this without this. But I guess you're open to calling your friend to ask for a side hustle. So we always do phone calls in the post show. So you're gonna call your friends and ask for this job in the post show, and then we'll hear more about your tea. But the reality is, I mean, what the. This is crazy. 300 for food, 100 for TP fund. What's your gas?

[B]

160.

[A]

But that's going against your business, so we're actually gonna write that off. And also, that number doesn't really make sense for the last two, so I.

[B]

Don'T write off my gas. I do. My mileage does that.

[A]

Okay, well, yes, that's going to cross for me. Okay, so I'm not going to put that in a budget phone bill for.

[B]

60, 40, $40 a month.

[A]

Okay, that's pretty good. That's a little more than what we recommend of helium, but that's fine. Internet, utilities, all that.

[B]

$60 for Internet, 75 for water, 150 for electric.

[A]

Medical, healthcare, Co pays, anything.

[B]

I have my 50 mental health every month. And a hundred fifteen, it's not therapy, although I could benefit from that. Fifteen a month for dental insurance, $100 every three years for eye insurance.

[A]

Okay, that's fine.

[B]

Gotta see Jim. $15.

[A]

Subscriptions, I mean, it's not even a Choice.

[B]

Cat food, $40 a month.

[A]

I mean, just your budget alone. And I can't wait for this phone call. Cause. And I. But the thing is, as far as I know, you haven't talked to your friend. Your friend doesn't even know about this. And this was the idea that, that you kind of came up with in the green room as a way to supplement your income. Because as you looked at your statements before this, you're like, oh, there's no way I can make this work. So we're gonna call. You're gonna call. You are gonna try to get a job in the post show for the very first time. You need $5,000 to survive at a minimum basis. $5,024. You need to double your income at a minimum basis. This is crazy. That's where we are. I'm sorry. I mean, there's no debt payoff strategy. We need to figure out the income thing.

[B]

Yeah.

[A]

All right, let's get the financial score and then we'll jump into the post show. So I need a bud. Do you overspend? 0 out of 10 debt. I mean, no collections or anything, but it's horrendous debt for your income. One out of ten. Emergency fund, 4,000. We'll call that four out of ten. Retirement. I didn't see retirement. Zero out of ten. Is there retirement?

[B]

Walmart.

[A]

How much?

[B]

No, I mean I'm a Walmart grader.

[A]

Real estate, zero out of ten. Hammer financial score, one out of ten.

[B]

I'm gonna die at 63.

[A]

Your quiz. Your savings was probably higher or you calculated your savings incorrectly like you did here and that's why the score was higher. Remember, you can get your [e-mail] now join Hammer Elite below three premium shows posted every single day, Monday through Friday. And come watch this post show. We'll see you there. It's gonna be good. I want to hear the rest of that juicy story I told this guy.

[B]

When he was hitting on this other lady while we were together. I said, if you screw her, I will her husband. You want to play games with me? I'll show you game.

[A]

Oh, you're crazy. Elusive Members Content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.