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

Summary

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Podcast Summary: "Most Batsh*t Insane Woman I’ve Ever Met | Financial Audit with Caleb Hammer"

Date: September 8, 2025
Host: Caleb Hammer
Guest: "Apricot" (Pseudonym), 31, Santa Clarita, CA / Lake Havasu, AZ

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Overview

This episode of Financial Audit features a wildly unpredictable, at times surreal conversation between host Caleb Hammer and “Apricot”, a 31-year-old gig worker and aspiring author living (sort of) in Lake Havasu, AZ. Caleb attempts to untangle her story, finances, and eccentric worldview, resulting in a rollercoaster of financial dysfunction, romantic entanglement with multiple felons, self-deprecation, and a record-low Hammer Financial Score.

Themes explored include generational caretaking, avoidance and escapism, failed influencer ambitions, impulsive spending, familial strain, and a persistent disconnection from financial reality.

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Key Discussion Points & Insights

1. Who Is "Apricot?" – Origins & Caretaking Claims

• Apricot is ostensibly from Santa Clarita, CA but currently resides in Lake Havasu, AZ, caring for her elderly grandparents.
• She juggles gig economy work: DoorDash, Uber Eats, Grubhub, Instacart.
• Claims caring for grandparents prevents her from holding regular jobs, yet admits to frequent travel to CA for her hospitalized father.
• Caleb Challenges Reality:

  “You moved from Santa Clarita to this?… You’re 31, living in a literal nothing town, in the middle of nowhere, for this?” (04:12)

2. The Gig Economy as Temporary Survival

• Prefers the flexibility for her "caretaking" (which becomes increasingly suspect).
• Admits to disliking structured work, aspiring instead to social media fame or a writing career (“starving artist”).

3. Nihilism, Procrastination, and Big Dreams

• Admits to procrastination, lack of ambition, and “doom-pilled” thinking:

  “I have a big problem with procrastination.” (07:25)

• Wants to be an author, YouTuber, podcaster, etc.—but has published nothing.
• Currently pursuing an English BA, with earlier associates in English & Psychology, all funded by loans and FAFSA (08:45).
• Admits to failed classes despite wanting structure:

  “Even in structure… oh, she’s failing.” (10:40)

4. Financial Illiteracy & Family Apathy

• Living Situation: Shares a house (actually a closet) with her wheelchair-bound grandma; claims to pay a nominal rent (which grandparents largely return as gas money).
• Admission: “I sleep on the floor in their closet… It is detrimental to my overall health.” (21:01)
• Family Strife: Estrangement from siblings—blocked by sister who calls her “snake in the grass.”
• Caleb: “Have you ever been an adult in your life?” (21:29)
• Historical pattern: Quits jobs, moves around, falls back on family, cycles through caretaking roles.

5. Romance with Reoffending Felons

• Boyfriend: 20 years old, currently incarcerated, prior convictions in multiple states, on/off relationship, met working at a fast-food restaurant.
• Sends ~$200/mo to support him in jail; uses Apple Cash, CashApp.
• Relationship is ambiguous—she reveals he “didn't call me his girlfriend until prison.”
• Caleb: “You want a convict from multiple states to be in your life forever? He is going to drag you down. Do you not see?” (00:35, restated at 38:42)

6. Absurdist Writing Aspirations

• “Reads” her writing/diary excerpt about taking her phone to the bathroom—Caleb and producers note it reads as “13-year old girl” writing (16:04).
• Entire ambition is unsubstantiated; neither real output nor plan.

7. Debt Disaster Unveiled

• Total Debt: $46,000 (mix of student loans, credit cards, collections, car debt).
• Admission to PayPal scam with ex-boyfriend; banned from multiple buy-now-pay-later services (Afterpay, Klarna).
• Spending Habits: Outspends income by 2x every month; impulse buys like Apple products, luggage, beauty care, Amazon bingeing.
• Claims “most” purchases are for grandparents or returned; evidence suggests otherwise.
• Caleb:

  “Who do you think you are spending that kind of money? That is disgusting.” (71:45)

• Zero budgeting or financial tracking; consistent overdrafting.
• Avoids/ignores monthly payments, lets everything go into collections, then attempts to rationalize.

8. Hopelessness, Contradictions, and Escapism

• Maintains that “tomorrow isn’t guaranteed”, justifies hedonistic spending and stagnation:

  “I'm stuck in this mindset of like ‘tomorrow is never guaranteed.’” (61:06)

• Professes desire to change—yet refuses to compromise on English degree, influencer aspirations, or returning to work.
• Admits to deep avoidance, wanting “structure” but dropping out, failing, or ghosting all prior opportunities.

9. Personal Relationships & Identity

• Seeks validation via relationships, creative recognition, and family approval.
• Designs her own drama—her life is “movie-worthy”, yet self-defeating.
• Relies on astrology, manifestation, and cosmic excuses (dismissed as “the ick” regarding budgeting).

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Notable Quotes & Memorable Moments

• On Living in a Closet:
  Apricot: “I sleep on the floor in their closet.” (21:01)

• On Her Romantic Life:
  Caleb: “You want a convict from multiple states to be in your life forever?... He is going to drag you down. Do you not see?” (00:35 / 38:42)
  Apricot: “My boyfriend is in jail.” (00:33)

• On Career Ambitions:
  Caleb: “You want to be an author… How do you become an author if you’ve never authored?” (07:17)

• On Writing Output:
  Apricot: “This is like my mind and diary... This is just random stuff. I don't even know who wrote this...” (15:02)

• On Family Dynamics:
  Caleb: “Your entire plan out of this is to either be a writer or a YouTuber or a podcaster or a singer, or do psychology reviews—but haven’t posted anything.” (31:17)
  Producer: “It gives 13-year-old girl.” (16:04)

• On Her Finances:
  Caleb: “You have a lot of debt. How much of it goes into prison at this point?” (22:27)

• On Evasion, Excuse & Nihilism:
  Apricot: “I think there’s like almost like a nihilistic point of view where I’m like, what is the point of anything?” (06:24)
  Caleb: “You are a complete, complete failure. I’m call it as I see it.” (81:42)

• On Self-Realization:
  Apricot: “I’d like to stop living like that because I feel like in my 20s, I didn’t grasp the concept that, like, you make your own bed and you actually have to lie in it.” (53:04)

• On Structure/College:
  Caleb: “Why can’t it be in something that would get you a job? You can be a writer without an English degree.” (09:45)

• Final Hammer Financial Score:
  Caleb: "Hammer Financial Score: 0.5 out of 10." (93:30)

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Timestamps for Key Segments

• [02:07] — Apricot reveals real living location (Lake Havasu, AZ)
• [04:28] — Moves for grandparents, family responsibilities explained (critique begins)
• [06:24] — On nihilism and motivation collapse
• [07:06] — Aspirations to be an author unsubstantiated
• [09:36] — English BA, student loan debt mounting
• [14:32] — Slam poetry/“writing” showcase
• [20:59] — Living in a closet described
• [21:31] — Caleb questions her adulthood, history of moving
• [30:30] — Family relationships detailed: blocked by sister, called "snake in the grass"
• [38:42] — Prison romance, doubts about future
• [40:31] — On survival mode (Caleb: “You’re not in survival mode…”)
• [46:07 onward] — Deep dive into credit card, Amazon bingeing, endless debt (throughout 46:00–81:00)
• [52:00] — PayPal scam history revealed
• [61:06] — Hedonism, “live for today”
• [93:30] — Hammer Financial Score delivered

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Tone & Style

• Caleb is characteristically blunt, sardonic, and exasperated, veering between comedy and genuine frustration.
• “Apricot” is bizarrely open, self-sabotaging, often self-effacing, and vacillates between candor and evasiveness.
• The atmosphere shifts rapidly: absurdist comedy, bleak realism, and the surreal, with constant interjections from producers.

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Conclusion: For Listeners

This episode offers a tragicomic masterclass in financial self-destruction, avoidance, and the pitfalls of persistent magical thinking. While Caleb attempts to coach "Apricot" toward actionable change (suggesting call-center work, accounting certification), she remains paralyzed by indecision and denial, resulting in one of his harshest assessments to date.
There is not just a lack of a financial plan, but a core unwillingness to engage with reality—underscored by her “movie-worthy” romantic life, closet living, and debt-funded escapism.

Quote to Remember:

Caleb: “You are a complete, complete failure. I’m call it as I see it... Hammer Financial Score: 0.5 out of 10.” (81:42, 93:30)

For anyone feeling lost, overwhelmed, or tempted to avoid reality—this is a cautionary (and at times hilarious) tale of what happens when you double down on avoidance, magical thinking, and endless deferment, both financial and personal.

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Transcript

[A]

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[B]

My boyfriend is in jail.

[A]

You want a convict from multiple states to be in your life forever?

[B]

Yes.

[A]

He is going to drag you down. Do you not see?

[B]

My ultimate dream is to just, like, sit under a tree and philosophize about life.

[A]

Oh, you're never gonna make money.

[B]

I just feel like reality is really weird. Existing is like, what's real, what's in my mind.

[A]

I have to ask, are we sure your prison boyfriend's even real? Bundle all of my educational programs I've ever made, plus the premium version of my budgeting app for not only 80% off, but also with a free trial [e-mail] Join the tens of thousands of people who've changed their lives and join Dollar Wise Central right now for free.

[B]

Hi, my name is apricot. I'm 31 years old and I'm from Santa Clarita, California. And this is Financial Audit.

[A]

Yes, it is. Thanks for coming over to Austin. What do you do Apricot for, for a living?

[B]

I, I, I doordash and I Uber.

[A]

Eats and so much of that on this show. So curious.

[B]

So I am from Santa Clarita, but I am actually living in a town in Arizona right now that, yeah, this.

[A]

Entire pre interview part talking about where do you live? Where are you from? What are you doing? Santa Clarita. Santa Clarita. Santa Clarita immediately starts the episode I live in Santa Clarita in the intro and then you start, okay, so you're in Arizona.

[B]

Yes, I'm in Arizona.

[A]

Why didn't we talk about that for the last 10 minutes? Okay, where are you in Arizona? Let me cross out Santa Clarita because I really care about where you're born.

[B]

I live in Lake Havasu City.

[A]

Lake Havasu.

[B]

Lake Havasu.

[A]

Okay. I'm honestly not familiar, but okay. What do you. So you Doordash and Uber Eats in Lake Kavasu.

[B]

Lake Havasu, yeah. Yes, correct. DoorDash, Uber Eats, Grubhub, Instacart. You name it.

[A]

Okay, why the grind? Why the grind? Instead of.

[B]

I really like having money and I would like to get a regular job. I care for my elderly grandparents there. It's. It's like, temporary.

[A]

It makes it easier to care for them, I guess, time wise.

[B]

But I need money still to pay my bills.

[A]

Why aren't you working a job then? I'm sorry.

[B]

Oh, because I have to be there to cook all their food and to clean up and to be there for appointments.

[A]

Appointments. I can understand that, but meal prep and cleaning the house we can do outside of the hours. What's their age and health?

[B]

They are 76 and 77.

[A]

What's the thing you're having to take care of that they're incapable of? Oh, this is a literal nothing town in the literal middle of nowhere. It is more in the middle of nowhere than Vegas.

[B]

I kind of hate it.

[A]

Well, no, who would. It's in the middle of Vegas and Phoenix, and both of those cities are in the middle of nowhere. That's in the middle of nowhere.

[B]

This is. Yeah, yeah.

[A]

Little waste is in the middle of the desert. Okay.

[B]

Yeah.

[A]

Okay, then how they. So they're unable to move, correct?

[B]

Yes. My grandma's in a wheelchair and my grandpa has afib, so he's not able to, like, move around.

[A]

So. Appointment? Sure. How often is appointments? Because we got to get you in a job. Are you or is your entire life. Who was taking care of them before you? What are you doing?

[B]

They just started needing help this year. They asked me to come in, and.

[A]

It was only you. You're the only available person. You can't split it with anyone.

[B]

I cannot. I split it. Like, right now, my aunt, my. My grandpa's sister is there taking care of them, but she.

[A]

Well, and they wanted to stay in the home, I'm assuming for.

[B]

Yeah. So she stays there when I'm gone, but it's.

[A]

No, no. Your grandparents wanted to stay in their home.

[B]

Yes. Correct.

[A]

Okay. Which means in order for them to stay in their home, and even though this is oversimplifying it for sure, but them staying in their home is preventing their grandchild at 31 from being able to live her own life. You moved from Santa Clarita to this?

[B]

Yes. Yes.

[A]

Okay. Okay. I mean, honestly, I appreciate the empathy part that we're setting off off the gate, but I am also being told information from people who know you much more than I do, because I am just meeting you right now, having my very first conversation right now, that you actually are just trying to build A social media online following because you hate working and you want to be an influencer. Good news, she can't plug her here and she's actually using a fake name, so good luck with that. But also, I feel like that's more the play that you hate working. That is everything they learned about you before this. Then you're just taking care of your grandparents and you have to take them to appointments a couple times a month.

[B]

Well, another reason I don't have a job is because I.

[A]

You have a job. You're doing contracted things. You don't allow people without jobs on. She is working.

[B]

Yes. This is true.

[A]

Independent.

[B]

The reason that I don't work for a corporation with set hours. I've been having to travel a lot recently too. So I started living.

[A]

How do you mix those? I'm not allowed to do anything because I have to take care of the house and cook and take them appointments. But I also travel a lot.

[B]

Yes.

[A]

Okay. I feel like I'm getting received mixed signals here. See them mixed signals.

[B]

So I have another family member who's ill and I have been traveling back to California to be with them while they've been hospitalized.

[A]

You're not the. Oh, well, they've been hospitalized, so it's more just to see them.

[B]

Yeah, it's. Well, it's my dad, so it's. It's hard to not want to be there for him. Well, which is fair with my grandparents. They understand. And we can get my great aunt into the home to help with meals and appointments.

[A]

More people can come into the home than. Then you need to leave the oasis and you need to go back to.

[B]

Yes, so that would be ideal. We're trying to figure that out right now.

[A]

That does not address the fact that through the conversations with you, producers have pretty much determined that you just do not like working, though.

[B]

I have always worked and held jobs, but in recent years, I think that there's like almost like a nihilistic point of view where I'm like, what is the point of anything?

[A]

Well, the point of anything is being able to at least be able to pay your bills and not get evicted and being able to live a pretty, you know, good and right. Yeah, that's usually a good minimum baseline. The people that are just all. What is it? Black pill, brown pill, doom pilled. That are doom, doom, doom, gloom, gloom, gloom. You're never gonna get anywhere, not gonna do anything, and you're gonna come begging for money from everyone. I would rather you be just someone with some kind of ambition, some desire to do better in this world.

[B]

Yeah, it's there. You know, I have. I have big dreams, but it's.

[A]

What are our big dreams?

[B]

I want to be an author. And I want to travel a lot for myself. And what authoring are you doing right now? Nothing. And I want to be.

[A]

How do you become an author if you've never authored?

[B]

I know, right?

[A]

No, that was my question.

[B]

I have a big problem with procrastination.

[A]

That's not procrastinating. It's 30. You're 31.

[B]

You procrastinate putting it off.

[A]

Zero.

[B]

Yeah.

[A]

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[B]

I mean, I have obviously. Like I've.

[A]

Obviously. That wouldn't be obvious.

[B]

Well, this is true. I'm in school for.

[A]

You're in school too. Okay, so it's only. Okay, well, we're going to be 30 minutes in and we're going to be learning also about what you're still doing right now as well, because you're doing only a thousand things. What's the school situation, please?

[B]

I've got an associate's in English and an associate's in psychology.

[A]

You said you're in school.

[B]

Yeah, and I'm working on a bachelor's degree in English, so.

[A]

Okay. Why can't it be in something that would get you a job? You can be a writer without an English degree.

[B]

No, I like to learn about it though, so that I can.

[A]

You can learn about it without going into.

[B]

I'm really bad about. I'm really bad without a structure, like a formal structure. I'm not good at. I'm not a self starter.

[A]

Yeah, but even online classes can be cheaper that you can take like courses from some author that's been very successful or something. I don't know.

[B]

That's a good point for my bachelor's, but the. The associates were paid for by fafsa, so they classes too.

[A]

I don't see that happening for what you're doing right now.

[B]

No, it's not. I have loans out.

[A]

Okay, then I. I wasn't advocating against not using free school.

[B]

I know. I'm just saying, like up to this point it has been free, but it's.

[A]

Not right now, which is all that matters.

[B]

Okay, I see what you're saying.

[A]

What are you. What are you doing? You're doing everything but nothing. You're not getting anywhere.

[B]

I know.

[A]

It's like you've done two associate. Well, then change your life. You've done two associates degree, getting a bachelor's degree and a worthless degree. And actually I'm hearing that you've actually recently failed some classes. So is it just the structured thing that you need? Because even in structure. Oh, she's failing. Using your grandparents as an excuse to honestly do what you're doing and your dad's passing or is ill, I don't know, is. And that is sad. And I do want you to go be able to go back home. But if there are all these people that are able to step in as much as you're suggesting they are for the grandparents situation. And honestly they're just not wanting to leave their own home. You should not be the one delaying your entire life for that. Listen, the people that are coming in to help, like your aunt and whatnot are. Do they live in that small town?

[B]

Just my.

[A]

Do they live in that small town?

[B]

She doesn't.

[A]

Okay. Well, at least that's their daughter, not their granddaughter. What are they trying to do?

[B]

It's. It's my grandpa's sister, so she's just as old as they are.

[A]

And.

[B]

And it's not easy because she has her whole. She has her own household to run where she lives. So it's like, when I need to leave, I have to ask her to come. And it's. It's. It's an ordeal for everyone. And as far as not living in the home, okay.

[A]

If their grand. If the grandparents want to, you know, not go to any kind of home or whatever and take a. I'm sure I don't know what their retirement situation is. I don't know what their Social Security situation is. Medicaid, all that good stuff. Or. Sorry, Medicare, but. Okay, cool. So if they're not going anywhere, if they don't have anywhere set up for success in order to have your life actually working in a town where you're able to get into a career and they don't want to go into anything like that, then they need to move to Santa Clarita with you.

[B]

I think that they'll move to Oregon eventually and sell where they're at. I've been telling them this.

[A]

What does that. Okay.

[B]

I'm just saying, like, they have.

[A]

And you're going to Oregon with them.

[B]

I might.

[A]

I. I was in Oregon.

[B]

They have another home there. And who's in Oregon? My grandpa's sons. He has. I have two uncles.

[A]

Okay, then make them do that. You're not putting your entire life on hold. Honestly, you're probably allowing them to stay there longer when they shouldn't be. Okay, all right, so solve that one. So.

[B]

But okay. With that being said, like, my real aspirations remain as, like, content creating or anything.

[A]

Author.

[B]

Author. I just want anything.

[A]

So you are just. You want. You don't want to have a job is what you're saying. You're thinking them is easier.

[B]

My ultimate dream is to just, like, sit under a tree and philosophize about life when I'm older and have people want to hear what I say. And that's what I want to be an author for, too, is because. But I want to travel.

[A]

Oh, you're never gonna make money.

[B]

I know, right? It's like. It's like. It's like I'm playing the game of life. And a long time ago, I chose the career path of a starving artist. That's how I feel.

[A]

No, you don't have to be a moron. You don't have to be. This is. You're choosing that. Listen, if you're recognizing it's wrong, then read me something. You've written something brief. Let's see these philosophy skills in action.

[B]

Okay, so this is something that was written because I was. I don't even know why I wrote this. Like the choice of taking your phone somewhere or not to take. Like say you're moving.

[A]

How about. Let's just read it. Okay, I'll read it.

[B]

No, give. But it says give, give. It says about. Okay.

[A]

Oh, yeah. The choice of taking your phone to the bathroom or not is whether the phone rings. What I meant to say is that. Okay, you make a choice and then what happens next could be coincidence. I feel like I'm losing my mind. Slowly. What is reality? Where do I lie? I feel like I could cry.

[B]

I could cry right now too. No, I'm just kidding.

[A]

Does it continue?

[B]

Probably not. Probably not. Look, it's just random stuff. I don't even know who wrote this. This is like my mind and diary and I just brought this up. Wow.

[A]

This is explaining why this stack of financial debt and documents are this thick.

[B]

I just almost.

[A]

Phone in the bathroom book, by the way. Whether or not I bring a phone into the bath. Bringing a phone into the bathroom is gross. What are you on your hands?

[B]

No, I'm just saying it's like. I don't know, I think about how.

[A]

Scooping doo doo with the fingers.

[B]

No.

[A]

What's nasty? Why? You can splash pissing everywhere.

[B]

No, but vapor. Anyway.

[A]

Vapor.

[B]

It's neither here nor there.

[A]

Well, preferably just not on your hands.

[B]

My goodness. My goodness.

[A]

This is slam poetry. You're starting.

[B]

As I say, this is. This is my.

[A]

Anyway, whether or not I choose to bring my phone into the bathroom is not whether it rings.

[B]

No, it's like the choice to. To bring it or not would depend on if it's going to ring or not. And who's calling and why are you care about calling?

[A]

No, it's because I want to be on Twitter while I'm taking a.

[B]

Well, to each their own right. It's for different reasons. This is like a personal point of view. This is just something I jotted down.

[A]

Very good. So that is your.

[B]

It's not even a good example by Apricot. Chapter one, Chapter seven. There are more chapters before.

[A]

Okay. The producers are saying it gives 13 year old girl.

[B]

I agree.

[A]

Yet you are 31, which is unfortunate.

[B]

It's reversed.

[A]

That's a caretaker. Okay. All right. So what is your living situation right now? I gotta know.

[B]

I'm living with my grandparents. I pay them a little bit of rent, but.

[A]

You pay them rent and you're their caretaker?

[B]

A little bit, but they.

[A]

It's like I think they're taking care of you.

[B]

I agree. First of all.

[A]

Oh, there. Okay, there it is. But there it is. We've. We've uncovered the truth, ladies and gentlemen.

[B]

I know, I.

[A]

Can you flip to just a random page? Just flip a random page. A random page in the written section, you tit. Why just a random page?

[B]

I regret bringing this.

[A]

No, just random page. No, I said flip through a random page.

[B]

It's in. You can't read it though.

[A]

Why? Okay, okay, show me. Random page. Oh boy. What is counting down the days of the month while also keeping a tally of something.

[B]

Oh, there's a camera up there.

[A]

There sure is. And this is seeing something concerning of like a prisoner.

[B]

Oh my God, you guessed it right. That is. I was counting down the days until the release. No, not me. That's really crazy that you just count it though. My boyfriend is in jail. Tada. Anyway, so yeah, I was counting down the days until his release and it was inaccurate. Anyway, I have a picture to show you if you want.

[A]

That's okay. Yeah, actually, yes, of course.

[B]

Right now, please. Okay.

[A]

Can it be on camera?

[B]

Yep.

[A]

Okay, we got permission. Sorry, ladies and gentlemen, this financial audit will start soon. First of all, he's grain. How old is he? Well, you're 31.

[B]

It's okay, he's 20.

[A]

I just keep assuming you're 15. What's he in jail for?

[B]

A lot of stuff.

[A]

What are you counting down? Because the countdown has ended according to this.

[B]

Yeah, that was when he was in jail in California and now he's in jail in Arkansas. I thought he was gonna get released and he didn't. He got his.

[A]

What is actually happening in your life?

[B]

I know. How did we get here?

[A]

No, it's a question that I asked that you should answer.

[B]

I don't have answers for you, Caleb. I'm here to find you.

[A]

You can't tell me why you're dating him?

[B]

I'm dating him because he is nice to me and he does everything he can for me.

[A]

How long did you were you with him before he went to jail?

[B]

Like a year and a half actually.

[A]

Yeah, dating.

[B]

It was very tumultuous. Yes, in person.

[A]

In person, dating before he went to prison.

[B]

Correct. Wild times. Wild times.

[A]

Okay, I have notes that he did not Call you his girlfriend until he went to prison.

[B]

It's complicated.

[A]

That just sounds like he didn't consider you his girlfriend.

[B]

He does consider me his girlfriend.

[A]

Well, now that he's in prison.

[B]

And he did before then, too. He just.

[A]

Why do we have notes that you said he.

[B]

Yeah, that's true.

[A]

What'd you guys mean?

[B]

Because he had this whole thing with like. What'd you guys meet at work? We were working together.

[A]

What was work?

[B]

Fast food.

[A]

At fast food. My favorite restaurant.

[B]

Jack in the Box.

[A]

Listen, you have 20,000 hours of bad debt. What the is going on here?

[B]

I know this is.

[A]

No, no, no, no, no. You are the answerer of the question, so you keep agreeing with my question.

[B]

I have the same questions. So what was the question?

[A]

Oh, my. Okay, so your living situation. I'm still trying to just understand this. I'm trying to get the baseline of your existence. So as we go through these documents, I'm able to connect some dots and actually give you some kind of path.

[B]

Okay.

[A]

Total debt, by the way. $46,000. But. Oh, a lot of that is collections as well. We got federal student loans and. Oh, my gosh. Charge. Okay, we're. Okay. This is going to be a. This is going to be hard. Okay, so you have a room there.

[B]

No, I.

[A]

Were you laughing at that? You don't get your own room at the place that you're honestly being taken care of, if we're being honest.

[B]

Yeah, I do think that they take care of me, but I know that I also. I.

[A]

It's a mutual thing. Yeah. Okay.

[B]

Basically.

[A]

But you don't have a room.

[B]

Where do you.

[A]

Where do you live there?

[B]

When I first got there, we weren't sure how much help my grandma was going to need because she's in a wheelchair and she had never been in a wheelchair before. So, like, does she need help with the bathroom? Does she need help with everything? And there were episodes in the middle of the night where she would wake up sometimes not being able to breathe. So they put me in the same room as her. And it's a smaller house anyway, so my grandpa's staying in his own room. I'm in a room with my grandma. But because she has tendencies that are like, not comfortable, I have. I sleep on the floor in their closet.

[A]

They have a walk in closet tendencies.

[B]

She. She keeps all the lights on. She has fox news playing 24 7. It never goes off. It's so ridiculous. I can't. I feel like I'm being brainwashed slowly. It's definitely not conducive. For my own, like, mental health. They try really hard, though. They're very sweet and good people. But, yes, I'm sleeping in a closet, and I've made it as comfortable as I can, but it is detrimental to my overall. Overall health.

[A]

Have you ever been an adult in your life?

[B]

Once, yes. Yes, I. I've lived. I moved out of my dad's house when I was 19, and until what since then I've been.

[A]

You live in a closet right now.

[B]

This is just.

[A]

What did you live at 19?

[B]

I moved into a room and I rented a room and I room with who and where? Like, the first house I lived in was actually like a little guest house kind of thing on someone else's property. Just random person. Just random person.

[A]

Okay.

[B]

Landlord. And then after that, I moved. I have a long history of moving.

[A]

Don't need all that. But I just feel like.

[B]

But I've Have. I've usually. I usually live on my own, renting my own space with a job. That's typically how I live. But even when I live like that, my financial tendencies are very bad. Like.

[A]

Yeah, we know you have a lot of debt. How much of it goes into prison at this point?

[B]

Probably like $200 a month.

[A]

Okay, what are you making? I never even got that from your. These st. You're. You're. You're hustling, you're grinding. Yes, yes, yes.

[B]

I'll make, like, at least $100 a day.

[A]

And how many days are you working?

[B]

I'll try to work seven days a week when I can. And.

[A]

Okay, so $700 a week. We're going to times that by 52 divided by 12.

[B]

I don't work every week, though, so let's cut that in half.

[A]

I work every day, but I don't work every week.

[B]

Well, listen, so I work every day when I can, when I'm at. When I'm at home, when I'm with my grandparents, I work every day. But when I leave to go be with my dad, I'm not working. So I'll. I'll have like a week.

[A]

How many days a month are we working?

[B]

Probably like 15 to 20.

[A]

How. Call is 17 times 100. Well, that's easy math, but $1700 a month before tax, before maintenance.

[B]

Huh?

[A]

And you're giving 200 to prison?

[B]

Yes. Jail.

[A]

No, it's not. Is it not prison? Wouldn't be in jail this time.

[B]

Yeah, no, he's in jail.

[A]

Jail. Jail.

[B]

Yeah.

[A]

How many jail?

[B]

Jail, City jail, A correctional facility.

[A]

Prison.

[B]

I don't think it's prison. It's like, it's like a. They were. So he was in pri.

[A]

What was he convicted for?

[B]

Like originally or this last time?

[A]

Let's go. Both.

[B]

So originally he was living as an outlaw and he was.

[A]

But what was he outlawed from?

[B]

Like. Okay, so originally he was living in Arkansas and he was doing bad things with his life, making bad choices.

[A]

Cell.

[B]

I don't know. I don't know. He was convicted for criminal mischief and a plethora of other things, like having stolen goods probably, and other things like that.

[A]

Okay.

[B]

Anyway, so he was convicted of that and then he was sentenced to prison. So he's a felon. And then when I met him, he was living in California on parole. We met at Jack in the Box and he. That's supposed to mean he smoked me? No, I'm just kidding. I didn't hit the. Anyway, that's how we met and he was just really sweet. And so then basically he got in trouble again in California and what, just like, lesser extent of use, I guess. Yeah. Anyway, so he got in trouble for that and then he got sent to do like a program and he was released from that program for breaking the rules. And then he absconded his parole and then he got caught like a year later.

[A]

Often do you visit?

[B]

Oh, I don't.

[A]

That's not cheap, is it?

[B]

No, I don't visit him because he's in Arkansas. I mean we're in Texas right now.

[A]

But so how often do you visit?

[B]

I, he. So in February this year everything got really crazy in my life. And what.

[A]

When I've even had a normal. In his life, he's in prison?

[B]

Yeah, he had a crazier life before that, but. So anyway, he got, he went to jail in February and he was in California and I was in Arizona and I saw him I think once when I went to go see my dad once. And then from there though he got. What's it called? Extradited to Arkansas again. So now he's in Arkansas and since he's been there I haven't seen him at all.

[A]

Okay.

[B]

Because, hello, this is an expensive trip.

[A]

But sure, you make 1700amonth before expenses or anything whatsoever, including self employed type taxes and whatnot, which I totally account for. So what would you say your net is then on a monthly basis?

[B]

I have no idea. You just said I was kidding about the taxes thing. I don't know.

[A]

That was the joke.

[B]

I'm gonna have to face it eventually when I file my taxes next year. But until you. Until then. I don't know what goes on. And that's like a, it's a me now problem, but future me is gonna have to deal with it pretty hard.

[A]

And ladies and gentlemen, what was her previous job? Well, I just learned because they're holding my hand on this one because she's a wild scamming people on PayPal. Ladies and gentlemen, a 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 it 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 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? You can try Dollar Wise for free until September 1st. If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to Dollarwise.com, click that link below, get. 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. Dollarwise.com let's go.

[B]

That wasn't my previous job, you weirdo. But okay, okay. So the reason why that's the thing is because I. My boyfriend now is better than my ex boyfriend.

[A]

Oh for fuck sake.

[B]

And my ex boyfriend was someone who initiated that kind of.

[A]

Yeah, but you participated.

[B]

Yeah, I know, I know. So yes, I can't use PayPal because I, I tried to cheat the system, but it wasn't a job. It just happened that once.

[A]

I've never had longer notes. This is a rapture. This is crazy.

[B]

I know we talked a long time.

[A]

No, no, no. Oh, quiet. I don't even. What know what the man. I don't even know what the actual.

[B]

I'm so happy to be sitting here talking to you. I hope it's mutual.

[A]

Quiet. The world has been a struggle for her. Back in 2021, she left her parks and rec job to work at her other grandparents bed and breakfast. But she moved back to her home, her hometown after that and then picked up a forest job because she didn't want to be around the rich people. So she Worked at the forest service. Then fired from her job at the forest Service for ghosting work after too many mental health days. Oh, here we go. Yeah. Tik tok. Mental diagnosis on this one? Probably.

[B]

No.

[A]

Okay.

[B]

Incorrect.

[A]

Okay. No surprise. She is an astrology girl. Budgeting gives her the ick, by the way. But self sabotage doesn't says that. She says that 70 to 80% of her life confusion is tied to money stress. The sometimes she claims money isn't even real. She has a backup plan slash dream though, and that is becoming a writer, a YouTuber, a podcaster, and a singer. Hasn't posted one thing or written a single thing. And we just went through her slam poetry, by the way. But she wants to do review videos. Psychology review videos, not savings. Lives in a closet. All her sisters think she's useless. Her grandparents help her out consistently. I thought that was supposed to be your job. One called her a snake in the grass and the other has her blocked.

[B]

It's the same sister, to be fair. And she's.

[A]

But you think your life has the potential to be a movie? I would say it's just a. I. Dude, it's like a smutbook or something. I don't even know. This is nothing. What is it?

[B]

Hentai.

[A]

She wants kale to fix her, but only if it doesn't involve much effort. You want to unpack any of that? Because what the did I just read?

[B]

I mean, that's definitely an over dramatization. Dramatization.

[A]

That's the notes from the film called had with you.

[B]

Yeah, so. Okay, anyway, I mean, where do you.

[A]

Want to start any of that? I don't know. Tell me anything. Dude, I don't even know because I got to get in these finances. But you just have such a base to get through.

[B]

My sisters are love lovely and they love me. We just have been fighting a lot because of what's going on in our family.

[A]

Well, you're blocked. I was one calls you a snake in the grass. Yeah, well, your grandparents take care of you that you're supposed to be taken care of. And your entire plan out of this is to either be a writer or a YouTuber or a podcaster or a singer or do psychology reviews, but haven't posted anything. I'm hoping and writes about taking a with her phone. Except not unless she has a phone call.

[B]

Oh my gosh.

[A]

It's true. I read it.

[B]

Goodness gracious.

[A]

It's literally true. I read it.

[B]

Literally.

[A]

Yes. Okay, I read it.

[B]

I would like help building some kind of a resume.

[A]

Cool. Astrology is not going to get you there. Resume?

[B]

Yeah.

[A]

You're just getting fired and leaving everything. What resume can I get you?

[B]

I don't know. That was just my goal. Is one of my goals. Okay. I need to make a better resume for myself.

[A]

To see your resume.

[B]

I don't have it.

[A]

How can I help you?

[B]

Can I try to find it?

[A]

You sure can.

[B]

Let's see.

[A]

Oh, and the grandparents that help you consistently that you sleep in the closet of that you tell everyone you're actually taking care of. I have a note that also you don't tell anyone how much they take care of you.

[B]

Yeah, like my grandpa will pay for gas while I'm door dashing and stuff. I know it's.

[A]

You're not there to take care of them. Off with that opening. You kidding me? What a fucking lie. Quiet.

[B]

Okay.

[A]

What a liar.

[B]

I devote. I devote every day, every day to being there consistently for them with whatever they need. I am at their beck and call. I go out to doordash and I do nothing else. I do nothing for myself. I don't go out. I. The only trips I ever take, 14 times a week. The only time I'm ever gone is to go. I know. To go care for someone else.

[A]

Yeah.

[B]

I don't do anything.

[A]

And how much of that care is actually care, knowing what you've set up so far, at least for once in the history of this world. Her resume is only one page. I appreciate that. Skills? Human communication. Analyzation. 50 words per minute typing. Interpersonal skills. Attentive. Okay, first of all, 50 words per minute typing. Or you're not.

[B]

That was just for a specific job that required that. So I.

[A]

There you go. I was gonna say you're not in. We're not just writing. I don't like. It's not. You're not in that room with all the women in World War II, right?

[B]

Yeah.

[A]

Experience? Prime Mountain Club. Pool attendant. Current. Not sure if I'm.

[B]

This is from a couple years ago.

[A]

Not sure if I'm thrilled to read that.

[B]

What? A pool attendant?

[A]

Yes.

[B]

Okay.

[A]

One year old. For your resume.

[B]

I was 22, 29 then. Okay. The reason why that was a thing.

[A]

Thing.

[B]

I worked for Starbucks for a long time and I worked.

[A]

Well, I have Whole Foods. January 2023. That's April 2023. Not great to have on your resume. Not great to work in your resume. That you work somewhere for a couple months. That shows that you leave quick. True. Yet you did it. Because on your resume. Okay, here we go. Hungry Valley Senior Parkade. The one we got fired from? I guess we won't. No.

[B]

That's not where I got fired from.

[A]

Oh, Edmund Parkade.

[B]

Yeah.

[A]

So that's where you got fired from.

[B]

No, no, no. No place I got fired from isn't on there. Starbucks.

[A]

Starbucks.

[B]

I worked at Starbucks for a long time, and then I started working for Parks and Rec. And I was working at Starbucks and the park for a long time, and then I was. I quit Starbucks.

[A]

Anyway, be prepared for her summary for her college education. I am fluent in writing and am able to understand slash analyze written text.

[B]

Because sometimes people can't. I don't know.

[A]

Round of applause, please. Hire her immediately. I'm sorry. Come on. That's hilarious. I. I wouldn't hire someone after someone put that in there, because it's in. It's ridiculous.

[B]

Well, I'll make sure I fix.

[A]

Are you trying to say women can't read?

[B]

No, I'm trying. I'm just. Listen, I have a degree in English. That's all I was trying to showcase.

[A]

Say you have a degree in English then.

[B]

Okay.

[A]

Not that I am able to understand slash analyze written text in the ancient English language. Okay.

[B]

I don't know what to say to that.

[A]

Not a great resume. We can work on improving that. That's fine. It is oddly better, surprisingly, than many people. But your experience is not. Your experience is not thrilling.

[B]

As soon as I get a better resume.

[A]

Well, your experience isn't going to change.

[B]

Maybe then you'll hire me for your show.

[A]

Okay, shut up. Nope, not gonna. What the. Would you. Yeah. Join our writing staff for a impromptu random show where I talk to people. I'm like, what am I gonna hire? Copywriter? I guess, maybe.

[B]

Yeah, exactly.

[A]

You could work for a copywriter. Except I have already.

[B]

That's the kind of thing that I think would actually.

[A]

You would never. You will never step foot in this building after we finish this episode.

[B]

That's so mean.

[A]

You know, while I'm being truthful.

[B]

What about for after? Like to check on me later?

[A]

Yeah, you can come back for a follow up.

[B]

Thank you, Caleb.

[A]

Not for a job, though.

[B]

You're banning me, though? I thought I was banned.

[A]

No, no, no.

[B]

Okay. That's okay. I'll find other work.

[A]

Okay. So what now? I don't know. You, I guess. And you're only going further into debt?

[B]

Yeah.

[A]

Okay, total that came in DoorDash pay was 1,252. He said 1700. And that's about what's lining up. Okay, how much did you spend last month? 1700 came in. Okay, stop clicking with that. Thank you. Trust me, you're not going to write anything good with it.

[B]

Ouch. I don't know how much I spent.

[A]

Why?

[B]

Because I don't have an idea.

[A]

I do not pay attention. You have to have your grandparents money baby in you in every way whatsoever.

[B]

No.

[A]

Well, you already do.

[B]

Nobody knows. Nobody knows anything about my finances.

[A]

Okay, well, no, no, no, but they baby you. They pay for your gas while you're out there. Yeah. So maybe you should know a little bit about your finances. What do you think you spent based on your knowledge of you just existing? Go back previous month. Let's say this is what I was doing.

[B]

Let's say 1500, if I had 17 come in.

[A]

Okay. 3242. So obviously you're not going anywhere productive in life whatsoever. And you're not going to get anywhere. How would you even be able to move back to Santa Clarita? Is there a place there for you?

[B]

That's what. Okay, the way that it works is like I make goals and plans and like ideas and wants and then eventually like in the closet. Yeah, right. I'll try to get money to do whatever I want to do and then I try to make that happen somehow. And then once I get enough for that, I'm like, cool.

[A]

I have double what you make. What the. You don't have enough for it. What are you talking about? You don't know what you're talking about? What are you talking about?

[B]

Like anything?

[A]

No, you spend double what you make. What do you mean? You're saving up and then you get. You get what you want. What are you talking about?

[B]

Like if I just. Okay, I. Look, it's complicated because apparently the reimbursement.

[A]

We'Re giving you for traveling here, you're using it to go to see your prison boyfriend.

[B]

That was a plan. Yeah, because I mean, good. It's like a 10 hour drive from here.

[A]

Usually it's meant to cover people's travel and time they take away from work.

[B]

Right.

[A]

So I know this is a healthy relationship. Let's continue it.

[B]

So those are my options. These are my options.

[A]

You want a convict from multiple states to be in your life forever? When you're going nowhere in life, he is going to drag you down. Do you not see? He got imprisoned, then on parole and in prison again. What do you think? When does he get out?

[B]

Saturday.

[A]

He gets out Saturday?

[B]

Yes.

[A]

All right. Security guard on Armed and ready.

[B]

Here. Yes, I'll be there. He doesn't always come here.

[A]

Since February.

[B]

No, it's pretty quick. Since, like, May.

[A]

He was very quick.

[B]

He was in California. I know. Yeah. So he's. He's not in prison. He's in, like, a correctional facility, and then he's going to be released to a halfway house, and he's gonna do great.

[A]

But historically, no. But hopefully.

[B]

Yeah. Well, he has my name tattooed on him, so I hope that he can make the right changes. It's a prison tattoo.

[A]

What do you do for him?

[B]

Just a jail tattoo. What?

[A]

Why is he with you? Can we call him in prison?

[B]

No, I was hoping he'd call me.

[A]

Can you? Well, you can't text him.

[B]

You can't. No, just luck of the draw.

[A]

He doesn't have a prison phone.

[B]

He does, but he has to wait in line for it.

[A]

And I'm on a cell phone.

[B]

Oh, no.

[A]

Hidden.

[B]

No, of course not. He's. He's trying to be good. He's trying. He is. I told him that this is end of it. If he wants to keep messing up, then he can do it without me. And he might do that. Who knows?

[A]

Yeah, I would have called it by now, to be honest, but. Okay. Okay. We should get in these finances because. What the even is this? Oh, I hear that you cried and said, I'm in survival mode. Off you be in survival mode. You're not in survival mode. Don't tell my producers you're in survival mode. Look at you. You're around. You work 14 days a month. I don't want to hear it. You spend all your money on bull, probably.

[B]

Yo, I do spend a lot of money on bullshit. But those 14 days, I'm not working. I'm serious. I've spent like, probably a full month in the hospital.

[A]

You are the opposite of serious in every way whatsoever.

[B]

That's very true, too.

[A]

I don't want to hear it. Your career is nothing. You want to go be every type of influence you can possibly be, yet you are. You haven't. You haven't even attempted one piece of content, strategy or writing.

[B]

That's not true either. I have a TikTok, but I have a review and I have other videos, like cleaning stuff and just random content, like cats or me singing. I don't like cats, by the way. I just have a video of cats. But yeah, listen, thanks for listening. That was a good listen. I don't have much to say because.

[A]

I'm hyper focused on your mustache. Okay, let's go into these finances, if we may. Where do you think Your score is? 0 to 10. 0. Being the worst, 10 being the best.

[B]

Probably 0.

[A]

Probably 0. If you want to get your score, take the free assessment. It's free. You'll see where you stand in the world of money, Caleb, hammer.com or dollarwise.com and make sure you sign up for the Dollar Wise budgeting app. Get that free trial. Sign up for the annual version to save a lot of money. And get our Butcher Friendly cookbook signed by me mailed directly to you. And if you want all our educational products and the premium version bundled together for 80 off $Y Central. Dollarwise.com check it all out. Guys, let's get into this money because. Oh, my, what an interesting 40 minutes. And this is thick. Almost as thick as they. Those in prison like it. Huh? Yeah, Right? Am I right? They. Oh, yeah, they always gotta.

[B]

What do you. What? What do you mean? What do you. What do you mean?

[A]

The guys in prison always got a thick girl waiting for them.

[B]

Oh, my God.

[A]

Okay, Amazon Chase Card. What is going on with this?

[B]

It's been closed for a long time and I.

[A]

Okay, it's a current interest.

[B]

Yes.

[A]

You're just not spending on it.

[B]

Yes.

[A]

Well, it is above. No, it's closed. It is above the credit limit by $459.28.

[B]

Yeah, because of interest.

[A]

No, because you didn't make payments, you dumb tit.

[B]

Yes.

[A]

Yeah, and it's not because of interest. If you make your payments even with interest, you make progress.

[B]

No, I just meant, like, it's able to be that high above it because the interest has accrued. That's all I meant.

[A]

No, if you make your payments, it would not go that high. What are you talking about?

[B]

I haven't made payments, nor have.

[A]

There's the actual answer. Great. Okay, so what. What, When. When did you get into this, dad? What's the story behind this card?

[B]

It's an Amazon card, so I can use it at Whole Foods and Amazon.

[A]

Okay, insightful.

[B]

When I was living in Northern California, I kind of, like, I opened a lot of different credit cards because I. I was approved for them. And I was like, oh, I can use this for that. And like, when you get an L.L.

[A]

Bean, you had no intent. You had no intent.

[B]

There were different intents for everything. Like, Whole Foods is a good one for the Amazon card. And also just like, when you sign up, they're like, we'll give you a free whatever.

[A]

So that's what it is. You wanted the free rewards?

[B]

Basically, yeah.

[A]

Okay, how'd that work?

[B]

It was.

[A]

Yeah, you're in really bad debt, so this is a substantial balance. Listen, it says the minimum monthly is 775.87. That is probably to catch up on all the bad payments, all the missed payments, right?

[B]

Correct.

[A]

I don't know what the normal minimum monthly is to write in there.

[B]

It's 77.

[A]

77. You weren't making 77. Why?

[B]

Well, so when I was living up north, I opened all these credit lines and I was.

[A]

You got that part. Why are you not making the payments?

[B]

I, I fell back on. I fell behind on them because $77. Yeah, I had like nine of those payments to make and I couldn't make any of them.

[A]

You got 77 to eat because halfway.

[B]

Through a week, I had to move from where I was from and go live somewhere that I didn't. I mean, I chose to go live somewhere where I didn't have a job, but I worked for my rent. And then that's why I was working at Jack in the Box, because. And that's why I was working as a pool attendant. Because they were part time jobs. Because I had a full time job.

[A]

Paying for how you did not pay your 77amonth rent.

[B]

Because payment though, it wasn't just 77. It was like I had to pick and choose which cards I was going to pay that month. And you know why?

[A]

You have like three credit cards, right? No, I should have been able to own. I have a lot more credit cards than three.

[B]

Yeah.

[A]

Okay. Let's take eight years to pay off minimum payment and you ain't paying that minimum monthly payment. Quote your Amazon. Let me see what's going on there.

[B]

Not much because I'm telling you.

[A]

Let's see.

[B]

Okay.

[A]

Oh, yeah. Past due. 694.87. That's wonderful. That's thrilling. 177 of fees this year so far. $326 of interest year so far. 26.49% interest rate.

[B]

The only reason that this Amazon list is bad is because I just made purchases on it.

[A]

Can we be honest? I bet you're just trying to keep up with the lifestyle of the people that were living in wine country. That's why you hated their guts in the end.

[B]

But I was making good money up there and I was.

[A]

What's good money? You ever look at your bank account and realize half of your paycheck's gone to food delivery? And disappointment? Yeah, same. And that's why I've been using today's Sponsor Factor factor sends fresh, not frozen meals straight to your door. No prep, no cleanup, no weeping into a Cutting board. Just heat and eat in two minutes. Skip the overpriced takeout trap factor is cheaper and way more delicious. You're getting chef crafted restaurant quality meals without leaving the house. And that means more time for work, sleep, or spiraling over someone's crypto losses. When I'm working late or reviewing another disaster budget factor is my go to. I pop one in the microwave and then boom. Hot legit food with no hassle. So scan the QR code on screen or head to factor75.com and use code 50HUMMER to get 50% off plus free shipping on your first factor box. That is code 50HUMMER at factor75.com to get 50% off plus free Shipping on your first box. Click that link below. Treat yourself to food that doesn't taste like sadness. And now that I'm well fed, let's get back to the episode. Healthcare isn't just about numbers on a chart. It's how you show up at work, in your relationships and and with yourself. But let's be real. Trying to navigate insurance, it's like decoding an ancient language with a calculator from 1994. And that is why I want to shout out today's sponsor, ro. They've built something actually helpful. A totally free insurance checker that tells you which GLP1 medications like ozempic or Wegovy are covered by your insurance. There's no calls, no paperwork, no press for to be ignored. You just upload your insurance card and a few days later you get a detailed showing what's covered and whether prior authorization is needed. And that is it. You don't even have to be a RO member to use it. Over 500,000 people have already used RO to check their coverage. And nearly half of ROE members do have insurance coverage for these meds. Go to RO Co Caleb to check your insurance for free. That is RO CO Caleb. And of course go to RO Safety. That is RO C Safety for black box warning and full safety information about GLP1 medications. Let's get back to the episode cuz making $1700 a month, most things are good money.

[B]

Yeah, exactly. I was making better money. Well, up there I was living with my grandparents too. My other grandparents.

[A]

Yep. You're incapable of doing anything on your own. We've established that.

[B]

Yeah, but I was there to help him on hospice and no, you. Anyway, come on.

[A]

You said it's a cheaper way to live. That's your entire excuse.

[B]

That's not okay.

[A]

Come on. Yes it is.

[B]

No, it's Not. I left my job to go and help them with their business, but it ended up being a show and your Amazon.

[A]

Okay, and tell me how much you're making because you said you're making good money.

[B]

I like like 20. I think they were paying like 25 or 28 an hour.

[A]

And it was in Northern California. Okay. Come on.

[B]

40 hours a week here.

[A]

Oh, for sake. Not much. Okay.

[B]

This is just like skin care.

[A]

Skin care, skin care, skin care. Lip. Lip or I I backpack. This is all within, by the way. I just want to throw this out. Two days so far. Backpack, backpack, backpack, luggage carrier. I I toothbrush, toothpaste. Travel, travel. Lots of TR and endless amount of travel bags, air tax, travel bag, travel bag, travel bag, dental floss. Buddy, you said not that much. And this is literally more than anyone's Amazon that I ever view. A cushion steering. Whee. A upgraded car center console cover. AirPods case. A leather holder for the keychain thing that we put the airtag in travel bottles for toiletries. Wow. This is a big investment to go on this trip. Oh, by the way, AirPods two wireless earbuds.

[B]

Yeah.

[A]

You screen protector for an Apple watch. Means she has an Apple watch. You. You make seventeen hundred dollars a month before expenses. Shut the up. Endless supply of colorful socks. Endless supply. Regular socks. Dude, I don't even know what you use this for because you sleep in a closet. But it's one of those things that makes you sit up in the bed. It's your heartburn that.

[B]

A lot of those purchases are for my grandparents.

[A]

Okay. That anchor noise canceling earbuds.

[B]

Okay. Those are for me.

[A]

Absolutely. And then you got the AirPods. Great.

[B]

Yeah.

[A]

Yoga mat.

[B]

Yoga mat to sleep on.

[A]

Honestly, Washable under pads, waterproof, reusable, Something.

[B]

What?

[A]

I don't know. You got it. More yoga mats. I guess we double. We double layered sideproof mini spin pins. But. And finally, we're out of a month. Thank goodness. I don't. I'm sorry, I don't know what I was looking at there.

[B]

Anyway, most of those were returned. I just want everybody to know that.

[A]

Not most, but the bags. Some of the bags. Bags. Bags.

[B]

Yeah.

[A]

That's the.

[B]

Dude, what are you doing?

[A]

I'm looking at your subscriptions, you tit.

[B]

My God.

[A]

Finance show. You. Yeah. Oh, my gosh. Apple Care. Apple Care. Apple Care. Apple Care. Apple Care. Apple care. She has 1, 2, 3, 4, 5, 6, 6, 6 Apple cares. According to about 100 bucks a month. Did Apple care. Crunchyroll you iCloud+ off Apple Music die. Ah, she canceled their call. Map. April 10th. I need that police scanner. Is that to make the boyfriend avoid the jail time? I bet. More police scanner. Oh, boy. What are we trying. Yeah, you're helping him. Can stuff his bags. Keeping the police scanner on or just.

[B]

Keeping tabs, you know, see where they're at and when.

[A]

For what?

[B]

I don't know. He asked me to get it, so whatever.

[A]

Oh, he did? This was for him?

[B]

Yes.

[A]

Oh, my gosh. You. Criminal enterprise.

[B]

That's a good way to put it.

[A]

Moronic criminal enterprise.

[B]

Yeah.

[A]

Oh, good. And your Last pair of AirPods are stolen by your criminals. Also criminal boyfriend's criminal friend.

[B]

This is true.

[A]

What a great life you live.

[B]

I know, it's really good.

[A]

You live with your grandparents, yet you just date criminals. What are you trying to do? What is your life? Where are you gonna get ever, by the way, criminal yourself with the PayPal PayPal scam. Maybe you should have gone to jail. Maybe you learned something.

[B]

I wish I wouldn't have come here.

[A]

Yes, well, you're here now, girl.

[B]

Well, my hair. Okay, I look like a grandparent, and I have a mustache.

[A]

And, yes, you're wearing a funeral outfit. I don't know what. You're on your head.

[B]

I thought it was a funeral. Out.

[A]

Oh, on your head.

[B]

Dang it. You know, I tried really hard to pick a good barrette, and I guess this wasn't it, huh?

[A]

Do we wear barrettes these days?

[B]

Sometimes.

[A]

Lindsay. Do we wear barrettes these days? Okay, Lindsay's being very nice and says it looks nice.

[B]

Well, it's because she's nice.

[A]

She is nice.

[B]

Yeah. She has a really nice good cop, bad cop.

[A]

Okay, that's true. No, no, no. You just got cottage core going on, but, you know, you got, like, the Phyllis from the office look.

[B]

What?

[A]

I'd like to lose weight.

[B]

You know, that'd be cool.

[A]

That would be cool. You know, you have to do something to do that. I know that.

[B]

I know it's really hard to not just want to, like, give up on everything all the time.

[A]

Okay, so you're never gonna get anywhere ever. What's the point? What are we doing? What are we talking about?

[B]

Yeah, I'd like to stop living like that because I feel like in my 20s, I didn't grasp the concept that, like, you make your own bed and you actually have to lie in it. And there's, like, this concept that make my bed. Well, you've made a life for yourself, and that's the important part.

[A]

B, Your life was criminals.

[B]

Yeah. So it's like I feel like I've gotten to a point where I'm like, oh, my God, my choices. My choices matter. What I do matters. Time matters. You know how I spend my life.

[A]

Yet you spend double what you make. Still, even while realizing this.

[B]

I guess so.

[A]

Everyone has the grand awakening the moment they're on financial water, ladies and gentlemen. But not the day before.

[B]

I feel like I. I didn't know how much debt I was in. I didn't realize that I had spent that much. I. You know, I'm really just unaware today. Exactly. That's what I'm saying. Like I'm. I'm just perpetually unaware.

[A]

Manifester.

[B]

That's. Yeah, kind of. Oh, I know.

[A]

So that's your plan to pay off, huh?

[B]

No, it's just like, you live your life, you try your best, and you're.

[A]

Not trying your best.

[B]

I know that's true.

[A]

So what are you talking about?

[B]

It's hard when you have.

[A]

Life is hard. Who would have thought?

[B]

I know.

[A]

We're just born onto this planet where the main planet's goal is to kill us. Who would have thought? Life is difficult.

[B]

Yes.

[A]

We live a pretty damn comfy life compared to the rest of human civilization.

[B]

Agreed.

[A]

Throughout history. So maybe don't complain doom gloom all the time. Actually do something with your life. You have more control than you're allowing to. You're allowing yourself to think.

[B]

Phyllis from the office. Really?

[A]

Yes. Dude, she married in the show.

[B]

I don't care.

[A]

Oh.

[B]

Anyway.

[A]

I don't know.

[B]

Oh, whatever, Whatever. So let's get back to these finances.

[A]

Yeah, yeah. The GS Bank. What's going on with this? I wish I could see a statement.

[B]

I don't know what that is.

[A]

Oh, good.

[B]

I hope it stands for Girl Scouts, but I know it doesn't.

[A]

It doesn't. And you would not be permitt.

[B]

I was a Girl Scout.

[A]

You're 31.

[B]

I know, but you can still.

[A]

I wish you weren't so childlike and everything. Yeah, would be real nice. Listen, you've made 74 of the payments on this card on time.

[B]

Mm. Okay, go. It must be the Apple card.

[A]

Can I see? Because I'd rather see a statement than something from your credit report. Oh, good. She sends a lot of money on crystals. That's wonderful. Oh, good. The balance is only stayed. Okay, Apple card. Wonderful. What's going on with this card?

[B]

It's overdrawn. I got it initially because I wanted to get a MacBook and.

[A]

Oh, 1700. Yeah, you are over. You're 1,771.35 for sake. Why no payment due tomorrow.

[B]

What?

[A]

How much is normally.

[B]

Yeah, wouldn't it be nice if someone would just come in and be like, I'll pay that so that you can. Dude, I know. I know.

[A]

The world works.

[B]

I know.

[A]

Okay, the minimum you can pay to keep it current is 57. We'll put it at there. But obviously it wants you to pay a lot more than that. It wants you to pay a total of $1771. Well, the entire balance, of course. Okay. Well, then, yeah, that's the total pay. Fair enough. So minimum monthly is $57. Okay. Crazy interest charging like crazy. Audible declined over the limit. Audible declined over the limit. Audible decline over the limit. Wonderful. So that's what's happened this month. What happened in May? Audible declined over the limit. Taco Bell declined over the limit. You try to swipe Taco Bell on here?

[B]

Yes.

[A]

Oh. Trip planner by Expedia. You were made to outdo your holiday, your hammocking, and your pooling. We were made to help organize the competition. Expedia made to travel. Okay. June. Audible declined over the limit. Wow.

[B]

So there are no purchases on it because I haven't.

[A]

How much do you give your grandparents for rent? But it doesn't make sense because they give you money for gas.

[B]

I know. It's like. I know it doesn't make sense. It's kind of like they just pay me back, like, half of what I give them. Pretty much.

[A]

That's what I was saying. How much do you pay them?

[B]

400.

[A]

And then just move out. Move the. Get away.

[B]

I know.

[A]

Yeah. You're not there to take care.

[B]

I don't know what to do. I don't know what to. To do for them. I don't know where they're gonna go.

[A]

Yeah, they're already planning on moving to Oregon. Get them there quicker.

[B]

My grandma can't go there. Like, she.

[A]

So we're waiting for her to die and then grandpa's moving.

[B]

No. I don't know what.

[A]

So what are we talking about then? Because you said that's her plan. The. You just have to move. You just have to get out, dude. Yeah, you have to get out. Use the. They can use social services they paid into. It's not 100% perfect. Absolutely. Easier said than done. 100%. But you are delaying your entire life living there, and they're honestly taking care of you, babying you.

[B]

Well, I'm just Phyllis from the office, anyway.

[A]

Yes, I agree. We all know that she lived a better life, though, so that's actually not the case.

[B]

She was a pencil pusher. I'm just kidding. I don't know. Anyway, enough.

[A]

Hey. You're obsessed with this. I don't know.

[B]

I. It's. It's her full. I don't know what to say.

[A]

Her full. Welcome to the show that you agreed to come on to, that you watched. The onboarding, phone calls, and all the conversations we had before.

[B]

I know. Okay, so anyway, Harp. No.

[A]

So Apple card. Yeah, to get a laptop.

[B]

Okay.

[A]

Get a laptop for your very special writing.

[B]

Because I was in school and I wanted a better computer than what I started out with.

[A]

A writing degree.

[B]

Yeah. Anyway, I've taken a lot of classes. I have a psychology degree, too, but I just want to pursue English because that's so.

[A]

What is pursuing English?

[B]

It's like, learning it and, like.

[A]

Okay, so, yes, we know you're able to. What was it? Transcribe English.

[B]

Yeah, so I want to become more proficient at it.

[A]

Like, what are you gonna do with that?

[B]

I'm gonna write. Oh, okay. The whole thing if.

[A]

Send this to your kids before they go to college. Send this episode to your kids before they go to college.

[B]

Guys, thank you. Yeah. Do something for your children before they go to college so that they can have some kind of success and not be like me.

[A]

Oh, you're blaming this all on your parents?

[B]

No, I'm not blaming at all.

[A]

Then what are you saying?

[B]

I'm saying that it's hard to navigate things when you don't have people who help you. Like, people who have their parents, help them with school, help them with college applications and things like that and how to finance and how to do things like that. They're set up a lot better. A lot of people I knew, a lot of people I know are still, like, in relationship.

[A]

No, I just think you're in an endless victim mindset and you think everyone has it easier around you and it's not even close to the case.

[B]

I mean, that's okay.

[A]

I'll get your course career certification. So when you need to get a real job, you can actually get one.

[B]

What do you think? Unlike what, though?

[A]

In accounting or whatever you want. It's in the trades now, too. There's so much you can do. Okay. Brightway Main Financial. Okay, no progress here. Oh, we didn't pay. Oh, we're over the limit. Me. Oh, you. Why? Dude, why do this yourself? Dude, what are you trying to do?

[B]

I don't know, man. I was just trying to live a good life and.

[A]

No, you're doing the Opposite.

[B]

I know I created a bad one for myself.

[A]

No. Why aren't you doing anything to fix it? 15, $14.41 is what you owe minimum. What's the normal minimum? Obviously you have a lot of stacked up because you're not paying. You're growing. $40 in fees, 31.19 in interest.

[B]

I don't know.

[A]

Thousand dollar limit.

[B]

I don't know.

[A]

Tell me what the minimum normal.

[B]

Probably $60 or something like that.

[A]

Of course she owes 845 to catch. I know what the are we doing.

[B]

I know what the. I know what the Chase credit card minimum line.

[A]

What made you build this up with over when and what is going on?

[B]

It could have been anything. It's like hair care products or nail polish or dresses or jeans or anything that I wanted at the time. Splurging, hedonistic behavior.

[A]

Like why do you get to be splurging? I don't do anything.

[B]

I, I.

[A]

Why do you think you're entitled to that?

[B]

Because I want to. It's like, it's almost like the I'm stuck in this mindset of like tomorrow is never guaranteed to live for today kind of thing.

[A]

That's stupid. Tomorrow is statistically likely to be there.

[B]

I tell myself that and for some reason I can't comprehend it. And it's like a coping mechanism for like sadness and things like that. Like just a little treat here and there, blah, blah, blah.

[A]

Well, oh no, my criminal boyfriend is a criminal.

[B]

That's, that's the least of my concerns. I've got, I've got others. Sad. Everybody has sadnesses, you know. But it's. For some people, it's just hard to get out of it, I guess. I don't know. And especially when you're me and have acted like how I have.

[A]

Oh my goodness. When he was out of prison, you're using this credit card to get him not just clothes and food, but burner phones for his business.

[B]

The boyfriend. My boyfriend, Yeah. I bought him a couple phones from like Walmart, I think, but it wasn't, it was just because he would lose his phones a lot.

[A]

You think that's why?

[B]

No, I bought them because I wanted to be in touch with him. I was like, here's the phone so I can call you. Yeah.

[A]

How often was he losing phones?

[B]

Maybe like once a month. I didn't buy, I bought like two phones for him, I think, and he would try to keep them if I bought. Like he tried to keep the ones I got him longer than the ones he Would just acquire.

[A]

Just delinquent.

[B]

Dude, he's just really fun. And he's like.

[A]

Yeah, he does a lot of. And he goes crazy. Sure, he's fun. I know that's the future he wants.

[B]

No, and honestly.

[A]

Then why are you still with him?

[B]

Because I think that he can change. I think that he can do better if he tries.

[A]

I think he's new, probably, but in life? I don't know.

[B]

I think so.

[A]

So you're gonna support him?

[B]

Yes.

[A]

You can't support yourself. You live in a closet.

[B]

He's my husband, so all of my finances are his too. Yeah. Just kidding. We're not actually married, but.

[A]

I see you, preacher. It's not funny.

[B]

I'm sorry.

[A]

I'm trying to get your together. I gotta take everything you're saying with truth. If I can't trust you, what am I gonna do?

[B]

I told you the truth though, so you can trust me. I just feel like reality is really weird. Yeah, reality is very weird. And I don't like. I don't know, just existing is like. What? What's real? What's in my mind.

[A]

Oh my. What is happening?

[B]

Yeah.

[A]

No, don't. Don't try to say that you and I are agreeing. Oh, no, no, no. 28.49% interest rate, fees and interest charged like crazy. Of course. Who would have thought?

[B]

So how do I.

[A]

What is this? Oh, after what?

[B]

Nothing. How do I get rid of a mustache? Do I just wax it or is it because I'm wearing makeup? See, this is why.

[A]

This is why.

[B]

Because my mind is not focused on the. You know, we're doing something here and I'm just focusing on.

[A]

We have razors from another show we did.

[B]

No razors. I don't.

[A]

Anyway, that's how people shave is razors.

[B]

Yes, waxing. So. Okay, never mind. Got it. After pay, after pay.

[A]

Could have after paid some razors, but I guess we did American Eagle purology, Farmers pharmacy, Beauty Tilly's instead.

[B]

I don't even shave my legs.

[A]

Can we see those suckers?

[B]

Not on tv. Tv.

[A]

Alright, let's be real. Making full videos from scratch is usually a time sucking nightmare. Scripts, edits, voiceovers. Next thing you know, you've spent $500 on editors for a video that you don't even end up liking. But finally, there's a tool that does it all. Say hello to InVideo AI, today's sponsor. This is not your basic clip generator. This thing takes an idea and turns it into a full length publish ready video. Literally all you needed to do is tell it your idea. It can be anything on your mind. Like make a 1 minute video using hyper realistic generative footage about day trading. But every trade is decided by spinning a cursed wheel. Was that the right move? The market's going wild.

[B]

Last spin, guys.

[A]

And I'm about to lose it. And it delivered a masterpiece. Chaos, drama, regret, everything you want in finance content. And here's where it gets even crazier. You want to change something, you don't have to learn timelines or editing software. You just type in a command like add my voice or add a lesson at the end of the video, and it does it for you. When you let luck decide your trades, it's pure chaos. Nvidia puts you into the director's seat. No learning curve, no timeline, no nightmares. Just you, your idea, and the magic of generative video. It acts like your creative partner and does all the heavy lifting for you. And let's get back to today's episode.

[B]

Oh, yeah, that's what I'm saying. Oh, I was ready for this.

[A]

I guess I never look at guest legs. I know that's not something to be ready for.

[B]

I wasn't expecting to even tell you that, but I was expecting to be like, certainly did. And these lights don't do anybody any favors. You know, girls come on here with their unblended everything, and I'm like, oh, my God. Anyway, I feel bad for people who come on here. And now I understand why. And are you doing it? I honestly want to try to understand what you're trying to tell me. I think I watch your shows a lot and I think often, like, what would he say about this? Or, you know, like, I try to use that as an inspiration kind of thing, like what you say. So being here with you in person talking about it is. Was the best, you know, thing I could do.

[A]

Okay, what is going on with After Pay?

[B]

I can't use them anymore right now because I owe them money. As if I. If I pay them, I might be able to use them, but probably.

[A]

But you shouldn't.

[B]

It's like PayPal can't use that.

[A]

Oh, no. I'm being told you're banned from after pay.

[B]

Yeah, no, I just owe them money. They email me, like, every day really nicely, like, hey, we have a payment plan set up for you. Okay, Just do that when you can. And then eventually it'll probably just go to collection.

[A]

What the are you even trying to do, man?

[B]

Right?

[A]

What's the total? Okay, buddy. I don't. I think this is. Okay. $390.29. Minimum monthly payment. I don't even know. I'm just gonna say 100 bucks. This is four payments. 100 bucks.

[B]

Sure.

[A]

Oh, you're banned from Klarna as well. Okay.

[B]

I. Yeah, that Klarna.

[A]

What's Altone? Fcu.

[B]

That is a federal fund.

[A]

Just missed your most recent payment.

[B]

It's a federal credit union.

[A]

That's good. It's maxed out. Who would have thought? I know it's a credit union. Well, you asked what it was like, what's going on? Oh, yo. $486. It's a minimum monthly payment of 25. Normally you missed your last payment.

[B]

Yeah, I thought the account was closed, but actually. So I was.

[A]

Nope, it's open.

[B]

I was gonna say the reason that I know the chase.

[A]

I think every account is closed.

[B]

I know, because it's just like. Well, it's probably closed because I haven't paid it in so long. It's like, it's. It's like easier to run away from your problems because they just exist on the Internet and like you get letters and stuff about it, but you still live your day to day life. And if you have cash like from your jobs and you just owe a lot of money on cred, you can like trick your brain. But it doesn't work though, because you just live in constant and constant anxiety over your money problems. So I am working on paying that one so that they can let me use the cardigan. Not that I want to use the card, but I.

[A]

The accounts open so I can use my card.

[B]

I mean, I could if I wanted to. I want to keep the account open because it's one of the only credit lines I still have that.

[A]

Why do you care about that specifically?

[B]

Because I know.

[A]

Multiple answers. I want to know why you.

[B]

It is important to have long standing.

[A]

Okay.

[B]

Credit.

[A]

That's why you care about your credit score?

[B]

Yes. Yeah.

[A]

And then what do you intend to do? Well, hopefully get an apartment at some point of your own.

[B]

Yeah. Housing, cars, things like that. You know, you need credit. You need good credit.

[A]

Wearing a wedding ring.

[B]

It's not a wedding ring. It's like a Cladal ring.

[A]

It's on the.

[B]

I know. It's just because I like to wear it. I like. I like rings. And it's the finger that fits on.

[A]

Okay. I don't think this guy's gonna stay with her after he gets out because he wasn't with her before he got out. Got technically with her when he was in. And I think she just Is pretending marriage. This is, in fact, in this conversation so far with you and you thinking you're the one taking care of your grandparents. I'm not even sure this guy is with you.

[B]

I'd say he is.

[A]

I wonder what he would say.

[B]

He would say that I'm the love of his life and that he never wants to be without me because he.

[A]

Wants someone to call him while he's in prison.

[B]

Well, you know, time will tell. I don't.

[A]

Yeah. Friday?

[B]

I don't think so. No. We were together a long time before that. We've been through a lot of together.

[A]

But he didn't call you his girlfriend.

[B]

Because he's an idiot. He's kind of dumb. But it's okay. I love him anyway. And this ring wasn't from him, and I know. Yeah, but I have other rings that are from him. But anyway, I'm just saying, like, I don't wear it there to indicate that I'm married. I just like wearing rings, bruh.

[A]

Oh, dude, I don't think she. Okay, okay.

[B]

I know.

[A]

Okie dokes.

[B]

Yeah.

[A]

Okay. We have another credit card. This one was paid off, oddly enough. But then it was immediately spent on again, so. And I'm not going to consider you likely spent. Oh, it's a secured card. Okay, okay, okay, okay, okay. Okay. Well, Mountain View Market, Taco Bell, Amazon, Amazon, Coconut Line. So this is where she gets Amazon now, not the Amazon card. Because I was going to say she definitely got a lot. Panda Express, Amazon, Amazon, Surf through Little Caesars. Amazon just meets Wild Coffee. Who the are you to spend $450 on all bull on one card? When you make $1700 before any expenses on a monthly basis and are being taken care of by her disabled grandparents? Again, both sets. $450 in a month spending on Bull. Who do you think you are doing that? Who the do you think you are spending that kind of money? That is disgusting.

[B]

Well, it's money that I make.

[A]

What?

[B]

It's money that I make, so I spend.

[A]

Yeah, but you're not going out there living a good life. You could be independent. You could be. You're 31, living in a closet, and you probably think you're Harry Potter, knowing your mystical mind you live in.

[B]

Everybody calls me that. That's funny. I don't think that.

[A]

Oh.

[B]

Mystical minds. Yeah. Yep.

[A]

Flip through another random page.

[B]

Dude, this is another random page you brought us.

[A]

What you get. Random page. I don't want no random page. Random page here. Cool. Random page. Apply January 2 to February 28 with letter A. Z. I.

[B]

This isn't a good notebook for this.

[A]

County assessor's office. Phone number. A Bell phone number. Phoenix phone number.

[B]

I'm there.

[A]

What else is there in there?

[B]

There's love letters and things like that.

[A]

Can I see one?

[B]

You can see, but you can't read. To who said to Dallas.

[A]

That's his fake name. Okay, let's go. Come on. Thor.

[B]

Fine.

[A]

Oh, you think I wasn't going to on the show? Come on, baby doll.

[B]

Baby doll?

[A]

I'm at the hospital with my dad. Still. They said they'd be transferring him today, but now they're saying tomorrow. I miss you. You said you're on lockdown now. First of all, why are you writing this if this isn't going to him?

[B]

But I've written him a lot of letters.

[A]

But I hope you still get to call sometimes.

[B]

What?

[A]

Okay. Sounds like you guys haven't talked in a while.

[B]

Because he was locked down.

[A]

He was on lockdown and he's totally real.

[B]

Okay.

[A]

And that you get your commit commissary crossing on some words. I love you. Sorry I haven't been writing.

[B]

Yeah, because we talk on the phone.

[A]

I thought you weren't getting my letters.

[B]

I did think that. That what?

[A]

I'm tired. Okay, all coming together, ladies and gentlemen.

[B]

Why did I bring this? Why did I bring.

[A]

That's a fantastic question. Cuz I did not request it. Oh, I'll get there. But I'm just diving through and I'm learning you, dude. Oh, you have three phones. That's great. I'm being told no one requested that notebook.

[B]

Obviously not. I brought it to take notes.

[A]

We'll get there. I'm still going through the learning section.

[B]

Okay.

[A]

Autocrad. What is this? $3,816.19.

[B]

This is a car payment that is no longer a thing.

[A]

Repoed?

[B]

No, totaled.

[A]

You still have to pay.

[B]

I paid it. It's paid off. Oh, wait, no. This is my current car payment. No. Yeah, I owe that. That's real. I pay that each month. Sorry.

[A]

Okay. It's worth 5,000, whatever it is. What is it?

[B]

It's a 2015 Subaru Forester.

[A]

No, that's a. That's. That's. That's. That's. That's a. Is that this car? Yes.

[B]

Yes, it is.

[A]

Okay. Okay. Okay, car. You owe $3,816.19. What is your minimum payment?

[B]

Like 385.

[A]

What is your interest rate?

[B]

I don't know. Okay, I know. I've been trying to find the documents.

[A]

That trying to find the documents. Have you attempted to, you know, talk to them?

[B]

Nope.

[A]

Okay.

[B]

I was hoping it'd be in my email and then I looked once and then I didn't try again after that.

[A]

Oh, that's our attempting to.

[B]

Okay, it's like. It's like I get these ideas in my head alone.

[A]

One fcu. This is your other card. That is total.

[B]

Yes.

[A]

Well, you sometimes make payments, sometimes don't. I don't know. So old car. So nothing to speak for this? No asset to speak of?

[B]

Nope.

[A]

Okay. She owes 8,000. Oh, this is payment 900. No, it's not.

[B]

It is though.

[A]

No, it's not.

[B]

I called them after printing. After getting this, I called them.

[A]

Okay, well, I'll cross it out for now, but. But I believe most things you think are reality or not.

[B]

Maybe.

[A]

Okay. Some schwab thing.

[B]

Yes, Le Schwab.

[A]

What do you owe Le Schwab?

[B]

Probably around $400.

[A]

For what? What is this?

[B]

Tires and car maintenance.

[A]

Oh, for sake. Is there? Yeah. Minimum payment is 50 bucks. Interest probably accruing. Sometimes makes payments, sometimes don't. Dude, this is. I don't understand how you're even just. What? You've just around so much.

[B]

I know, man. And I was just like, what the. Right. I feel the same. I'm in the same boat as you. Not understanding. But then. Okay, okay. So it's like I get these ideas in my head and I'm like, I gotta do it now.

[A]

Oh, I know you get ideas.

[B]

It's like impulsivity. And that's why I'm like, oh, I tried to look that up, but then I stopped after I didn't get there because I have no deter. Like, it's like I have no discipline. There's no. There's a lack of discipline here.

[A]

There's a lack of a lot there.

[B]

Yeah.

[A]

Student loans. Federal student loans. $17,470. I assume you're like on a zero dollar payment plan, right?

[B]

Correct. Right now. I mean, what do you mean by that? Zero dollar payment plan, as in your income based repayments.

[A]

Zero bucks.

[B]

Oh, I don't like. I. I'm on a deferment, right? I'm. It's. They're being. The payments are deferred right now. There is no payment plan in place.

[A]

Okay, well, all deferments are coming to an end, so you better pay up. Dude, what do you mean all the. Well, are you requesting additional deferments? Because the deferments that were just there automatically are all coming to an end. Oh, well, actually no, you're.

[B]

Yeah, if you're actively in school.

[A]

Sorry. Sorry.

[B]

It's okay. You have me scared. I was like, what did the president do? Did he do something?

[A]

Well, he's capping how much you can borrow in terms of student loans. And the student loans. Yes. And the student loans you're borrowing right now have very different payment types. When you come back, your income base ain't gonna be as simple as it was with your previous balances. We're gonna have to see. But you're gonna owe money on a monthly basis.

[B]

Yeah.

[A]

That's what got signed into law under the. The big beautiful one. $17,470 currently. How much are you borrowing per semester and for how much more longer?

[B]

I don't know.

[A]

Okay.

[B]

And probably at least until like, 20 Toyota motor collections. This one I don't close.

[A]

Yeah, it's in collections, essentially.

[B]

But it shouldn't exist.

[A]

Well, it does.

[B]

I know I've had.

[A]

Why should it not exist?

[B]

Because this is for a different car that was totaled, and I had insurance and gap coverage through the company and did it wrong.

[A]

That's what you.

[B]

I spent a long time trying to figure that out.

[A]

Target also in collections. Why is Target in collections?

[B]

Just because I didn't pay my monthly bill.

[A]

Why?

[B]

I don't know. I feel like I. It was already. It was probably. It's probably like the mentality that it's already maxed out. I can't use it if I pay the minimum on it.

[A]

Chevron card collections?

[B]

Yes.

[A]

Why?

[B]

These are cards that I opened when I had a better income and that I paid, I would pay off. And then when I lost that and didn't make anything, I lived off my savings and stopped making payments to anything.

[A]

Webbank.com collections. Why?

[B]

I don't know what that is, of course.

[A]

Well, this one's 1514. Last one was 1272.

[B]

Can't believe it's $40,000. How much is 48? 40. See, this is. I don't even remember.

[A]

46,670.

[B]

Okay.

[A]

Capital one collections. Why?

[B]

Same reason as everything else, man. Just spending, spending, spending, not paying.

[A]

Another capital one in collections.

[B]

Yep.

[A]

Last one, 293. This one. 945.

[B]

Yeah, I think they gave me a card and then they gave me another car. They're trying to give me another card.

[A]

I don't know why, but looking at you. I want to go to a Chinese buffet for dinner. I have not had that urge in about a decade and a half. I do not know what's going on. I I can't answer it myself. I don't know. Midland Credit Open. What is this?

[B]

I don't know.

[A]

Behind. You're behind?

[B]

Yes.

[A]

I don't know what your minimum is.

[B]

I don't even know.

[A]

Well, it's about to go to collections if you don't. All right, well, $336 there. I'm going to say a $50 minimum payment. I don't know. You're gonna make me go to a second sheet. That is a rarity. Oh, my. What is wrong, dude? What the is wrong? More Midland. Oh, this is like you did consolidations. No.

[B]

Oh, probably.

[A]

Yeah, probably.

[B]

Oh, no, I've only done one consolidation. It was through Alta 1.

[A]

Oh, well, these are different accounts within different account.

[B]

Like probably Sephora or Victoria's Secret. I would sake.

[A]

Or they might be 56 on this. I'm gonna say a 50 minimum monthly payment. I don't know.

[B]

They're probably more than that. It's probably like.

[A]

Well, I don't. Now, listen, the overall thing. Portfolio, recovery. My gosh.

[B]

Those. These are just. Yeah, these are people who have attained my debt from who I actually owed in the first place. So the accounts are closed and they now.

[A]

Yes. This one's collection. Sorry. Yeah, last one. Okay. Yeah. They're all collections.

[B]

Collections. Yep. That's okay.

[A]

Okay. Another collection. 639. Okay. You've just never done anything in your life.

[B]

Yeah.

[A]

No offense, but you are a complete, complete failure. I. I'm call it as I see it.

[B]

I'd like to change that. I'd like to.

[A]

What have you done to change it? Because I see nothing. Apple Cash. What's going on? This are you singing to.

[B]

It's like background music for the Apple Cash.

[A]

Song when you pull it up.

[B]

I guess I just do. I just do what. What I want.

[A]

We need to study her as the human race. We need to study her. Okay. This is what you use to send your boyfriend money? I'm glad I have my producers to answer your questions, cuz you're incapable inmate photos.

[B]

Yep. Yeah, I sent him some pictures of me. Not anything inappropriate because that's not allowed in jail. They're innocent photos. Selfies. So anyway, that would be really weird.

[A]

I know. No, no, no. Do not ask me to see what she sent. I do not want to say. No, no, no.

[B]

I don't want to show you.

[A]

So thank goodness. Absolutely wonderful. I'm glad you answered that. Boy, boy, boy. Okay. Cash App, $2.20 Apple Pay.

[B]

Wait, what is that? Cash App 2.20 to person to person?

[A]

I don't know. Oh, this is someone to someone to someone to someone. Names are blanked. I don't just send to Dallas and Starbucks. That's to the guy.

[B]

Yeah.

[A]

Through Cash app. They can get it through Cash app.

[B]

Yeah. Oh, no. No. So first of all, yes. Second of all, a lot of those are probably from before he went in there.

[A]

No. Or do people his most recent month, you text that?

[B]

Oh, I don't know. Then probably to. Sometimes he would send to other people through his account, but I would do it for him.

[A]

Okay, great.

[B]

No.

[A]

Okay. Surprisingly, almost $3,000 in retirement. How that's not been withdrawn, I do not know. She might not know this exists. Okay. Chase account $45Amazon Prime. And that's the end of that. Okay. Weird Vero bank account out.

[B]

This is the big one.

[A]

What happened while you were in the green room?

[B]

What?

[A]

What happened while you're in the green room?

[B]

What do you mean?

[A]

What happened while you were in the green room? Something happened. What was it?

[B]

I watched a video and signed some documents.

[A]

Those the classic normal things. Something interesting happened. What was it?

[B]

I don't remember.

[A]

Oh my. You've broken. How are you gonna make it through life? She got a call from a collector.

[B]

Oh, yes, I did. Yeah. My phone goes off like every day with phone calls from collectors. So I know you think it's not real, but it is. Because they bother you forever. And you have to live with this debt inside of your mind.

[A]

Okay. In this account. Cash app on Money Apple, Cash, Apple, Cash Bath and Body Works. Cafe Smitten Cafe Smitten. Cash App, Cash App Cashing Pyrenees Cafe. Cash App, Cash App, Cash Apple Cash. Endless amount of money when we have no money whatsoever. Cash, Apple Cash, Apple Bill. Cash Apple, Cash Apple Cash, Apple Cash, Apple Cash.

[B]

This is like the main from the.

[A]

People that are connected to your boyfriend. Definitely legal maneuvers.

[B]

No one here.

[A]

Dutch Bros. What?

[B]

What?

[A]

What?

[B]

I was just gonna say that your thing about Cash App, whatever.

[A]

Dutch Bros. Apple Cash, Apple Cash. Is this the new PayPal scam for you? No. Huh.

[B]

It is not.

[A]

I totally believe real money topic dot com.

[B]

Yeah.

[A]

Wild Coffee, Apple, Apple, Cash, Apple Cash. Wild Coffee, Apple Bill, Dave membership fee. Oh, she uses Dave.

[B]

I don't use Dave anymore.

[A]

Well, you have the membership fee lady.

[B]

Not anymore.

[A]

This just happened. Shut the up.

[B]

Oh, objectively, it's changed since then. I guess. I don't.

[A]

I don't know.

[B]

I hope so.

[A]

298 in the savings account.

[B]

That's about where it lies. Yep.

[A]

It's like it isn't that is not where it lies. You started with 561 1.

[B]

Oh, but like generally anyway. No, it's like I get money and I have that amount of money and then I'm like, what exactly can I spend that will take up all of that money that I have?

[A]

Spend double what you make.

[B]

I know. Well, I don't know how cuz I don't have any credit available. So every money that I spend is cash.

[A]

Some of that money was going to credit, but yeah, putting money towards debt is still money going out.

[B]

But I don't put.

[A]

Your savings went down.

[B]

Yeah.

[A]

Oh, well, I don't. I don't know. It's insane. Fidelity 396 taken out because she took out money from 423.

[B]

Yep.

[A]

Savings plan 2689. Okay. So 5000 in retirement, I think just about. Not horrible for your age, but oddly surprising.

[B]

I like to.

[A]

No.

[B]

Have something, you know, as far as.

[A]

Did you take money out of things? I don't want to, you know, I mean, your spending was rejected. No.

[B]

What's.

[A]

No.

[B]

What? I don't know what that is.

[A]

Stop.

[B]

Okay.

[A]

Your minimum Debt payments are $780. How does the utility situation work in the house? I don't pay utilities, Internet, anything like that?

[B]

No, just my cell phone.

[A]

What's your phone bill?

[B]

113Amonth.

[A]

Okay. I would definitely switch to helium, that is for sure. Once your phones are paid off. Oh yeah.

[B]

Phones, yeah.

[A]

TP fund anything else. But you're financially supporting him when he gets out of jail, right?

[B]

No.

[A]

How's he getting supported? He's gonna get a job immediately, the day of.

[B]

No.

[A]

Okay, so he's gonna go to a.

[B]

Halfway house and they're gonna have everything he needs there. They're gonna feed him and clothe him and help him get a job.

[A]

You're not gonna go out to eat it all, huh? Together. You're not gonna go out to eat it all?

[B]

Well, I don't even. I mean. Okay, let's be realistic. I have a few options here. With what. What I can do next in my life. No la. No in my life, I said. But I could go to LA and live there and be closer to my dad and that'd be. That'd be ideal.

[A]

And not a chance you'd afford la.

[B]

I know, I know, but I could. I mean, I. If I found a job. But how?

[A]

Your resume was a joke. And it wasn't even like the resume itself. Yeah, there's a couple funny moments. It wasn't the worst resume. It's just your experiences. Trash. What do you convert that to?

[B]

What do I what?

[A]

Convert that to? What job do you want? What would you want to do?

[B]

Okay. I would like to find something that I can do.

[A]

Oh, the creative remotely.

[B]

Anything remotely.

[A]

That's ending. And that's for the highest skilled individuals possible. Unless you're doing like some call center job. But do that. I don't know.

[B]

Right. I don't know.

[A]

Well, no, do that.

[B]

A call center job.

[A]

Become customer service.

[B]

I. Yeah, I have a lot of experience in customer service.

[A]

There you go. Do that.

[B]

Yeah. But yeah, I just. I need anything right now that's more reliable than doordash and Uber Eats.

[A]

It's not customer service.

[B]

Putting miles on my car.

[A]

That's probably one of the first AI job gone. Sort of just shipped overseas anyway.

[B]

But customer service. I know.

[A]

Yeah. We are hiring for customer service right now. Denied. Besides remote, let's talk about what kind of job you'd want. What are you interested in besides writing?

[B]

Nothing. No, just kidding. I don't know. I think that I would be decent at a clerical job like Phyllis. Just kidding. Like an admin worker somewhere maybe. I was thinking for LA county or somewhere like that.

[A]

You mentioned journalism to Colton.

[B]

Yeah, yeah.

[A]

No dying industry if there ever has.

[B]

Well, I know it's. It's.

[A]

Do you have anything that you know might actually be successful?

[B]

Not at this point.

[A]

So that's that then.

[B]

Yeah, exactly. That's. I don't know what to do.

[A]

Okay, then I'm ending this conversation because there's no point. What do you spend on gas on a monthly basis like $300 car insurance, 160 TP fund, 100 bucks. Anything else you need. You can probably do 200amonth on groceries since you use your grandparents. Medical, health care, co pays. Anything?

[B]

Yeah. Medical or. Yeah, I pay like 50amonth for insurance.

[A]

What about co pays and though co pays.

[B]

I don't even know.

[A]

You know, do health and is there appointments or the medications for me?

[B]

No. Because I have been spent so much of my time focusing on taking care of the other people in my life. I'm being so serious. Insurance? No.

[A]

Well, you might need to.

[B]

That's what I'm saying.

[A]

That's what I'm saying.

[B]

Okay.

[A]

Specifically, you did not. I did. Okay. No surprise you're over by 400. I don't know. You just. Dude, I. I think you've given up in this world, in this life.

[B]

I haven't. Okay.

[A]

What?

[B]

I don't know. I want to do something. I want to do anything. I want to do anything that can take me places so can do things and be a person and be a good member of society and live a good life.

[A]

You can't tell me even one thing you're interested in that might have a decent career track.

[B]

On the spot. I don't know what to say.

[A]

Do accounting.

[B]

I don't know. I. I don't know how it's like that.

[A]

It translates to an accounting degree. Or I can get you an accounting certification through course careers. Again on. Stop this wasted time on a degree that's going to result in nothing.

[B]

I can't stop with English. I really can't. Like.

[A]

Oh my.

[B]

It's something that's so ingrained in me that I can't ever.

[A]

Yeah. It's called. You were born in the United States. So you speak English.

[B]

No. It's called throughout history people have been recorded saying very important things. And I want to read about what they have to say so that maybe.

[A]

Someday you can't read without getting a degree.

[B]

Maybe someday I can become enlightened.

[A]

You cannot.

[B]

That when you're taking English classes they assign you books to read based on certain things and then they want you to reflect on what you've read.

[A]

You can't do that without college holding your hands. You can't go read books.

[B]

No. I would like a structure with my classes. I want. I want a professor. I want a professor to tell me how to. To do my work and. And to judge me and have expectations and grade me. You know, I hate to leave you.

[A]

With no hope, but there's no hope, man. And this is. This is.

[B]

Well, maybe I can do accounting. Like anything beyond.

[A]

This is a waste of time. Come to the Financial Auto Post show. I know with her something crazy is going to come out that the producers know that I don't know because I know for a fact we didn't even hit half the.

[B]

I know. I feel like we're any quiet now.

[A]

Hammer Financial Score. We're not. We're right on time.

[B]

Okay?

[A]

Trust me. I didn't make this go a minute longer than I needed to. Hammer Financial Score. Spending In a budget overspend 0 out of 10. Debt collection 0. 10. Emergency fund nothing in savings 0 out of 10. 10. Less than a thousand. Retirement dramatically buying for your age at least there's a little something there. 2 out of 10. Real Estate 0 out of 10. Hammer Financial Score I think it's going to be. Yep. Rounded up 0.5 out of 10. Join Hammer Elite. Link in the description below, three shows a day posted best membership on YouTube. Help us get to the largest. We'll see you there for a crazy post show. I bet.

[B]

Watch Financial audit.

[A]

Shut the up. You guys have been doing this criminal since 2020.

[B]

I'm a snake in the grass, you know who knows what I'm doing.

[A]

You deserve to go to J because you've got him burner phones.

[B]

That's different.

[A]

And honestly, wouldn't be surprised if the money that was going through that other wasn't a continuation of scams. Knowing how you live your life, this.

[B]

Is just what he's been up to. As far as legal things that he's been convicted of.

[A]

The you guys have got up to is crazy. Exclusive Members content Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.