Pampered Princess Thinks Poverty Is Easy | Financial Audit

Summary

Financial Audit Podcast Summary

Episode: "Pampered Princess Thinks Poverty Is Easy"
Host: Caleb Hammer
Guest: Jessica
Date: September 12, 2025

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Episode Overview

In this candid and at times combative episode, Caleb Hammer sits down with Jessica, a 34-year-old single mother from Miami, Florida. Jessica shares her journey from being a teacher to running a struggling online business while managing divorce, child support disputes, and a challenging financial situation. The episode delves into the realities of failing entrepreneurship, generational dependence, credit misuse, and tough love on what it takes to break destructive money habits.

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Key Discussion Points & Insights

1. Jessica's Business, Income, and Divorce

• Background: Jessica manages a digital agency for small business owners, offering marketing and administrative services with a team of about 10 part-time contractors.
• Income: Prior to March, she paid herself ~$2,500/month post-tax, but following a hand injury and surgery, her business income and involvement plummeted (05:20).
• Business Viability:
  • Contractors cost roughly $700/month, but vague accounting leads Caleb to question where her income goes (19:18).
  • Jessica admits to sometimes paying contractors with credit cards and shifting business expenses erratically between accounts.
• Living Situation: She lives with her mother, contributing little financially and relying heavily on family support.

Quote:

“Your business is a failure. Go get a real job.”
— Caleb (16:26)

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2. Inheritance, Legal Fees, & Child Support

• Jessica received a $50,000 inheritance from the sale of the family property in August 2024—most of it now gone, spent largely on debt repayment, legal fees, and personal splurges, including an $8,000 Omega watch for her now-ex-husband (13:14).
• Legal costs during her divorce peaked at $1,000/week, depleting her inheritance.
• Child support is sporadic ($1,000/month, intended to be $1,800 pending court order), and she sometimes gets spousal support (21:25).

Quote:

“If it wasn’t for grandma, mother, and child support, you’re nothing.”
— Caleb (44:52)

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3. Destructive Spending & Credit Use

• Spending Patterns: Jessica continues to spend on courses (estimated $20,000 since 2019), coaching, subscriptions, makeup, and non-essentials, despite mounting debt and lack of steady income (24:04).
• Credit Misuse: Multiple high-interest payment plans (Affirm at 30%+), Apple Card maxed out, and frequent usage of services like Afterpay/Klarna—mostly to fund discretionary shopping and even pay her own contractors from credit cards (56:05).
  • Notable Purchase: Omega watch ($8,000, still paying off, trying to sell below value) (36:32).
• Dependence on Family:
  • Jessica has a debit card tied to her mother’s account, uses family credit cards, and pushes core living costs onto her mother, including groceries and lawyer fees.

Quote:

“If I have Affirm, I use Affirm.”
— Jessica
“You do not know how to use it... You are not a credit card person.”
— Caleb ([48:55]-49:45)

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4. Personal Responsibility & Habits

• Jessica expresses frustration at being told to “just stop spending” on Financial Audit episodes, arguing that willpower is lacking and asking for more practical solutions (25:26).
• Caleb’s response is blunt, indicating that at some point self-control is a necessity and personal responsibility can’t be outsourced:

Quote:

“If you can’t do that, then there’s no hope of anything, and the rest of us are gonna be here to bail you out. I don’t think so.”
— Caleb (26:10)

• Caleb frequently points out that Jessica’s reluctance to make hard changes—and to take a regular job—stems from being “enabled” by her mother.

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5. Dating, Drama, and Emotional Spending

• Jessica’s divorce involved repeated infidelity and emotional trauma, which spilled over into financial habits.
• She discusses dating after the breakup, including paying for hotels and gifts, ghosting experiences, and using controversial "vetting" apps for dating safety ([69:29]-62:39).
• Caleb debates the broader harm of such unmoderated internet apps.

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6. Debt Breakdown and Financial Situation

• Total Debt: $101,353 with no mortgage (54:16).
  • Includes student loans ($78k, forbearance), credit cards, buy-now-pay-later plans, Apple loans, and family debts.
• Spending vs. Income:
  • Last month: $2,600 in income (mostly from child support/odd business), $7,284 spent—$4,684 over budget (54:44).
• Savings & Retirement:
  • $3,000 in savings (quickly draining), $7,000 in retirement (far behind for age), some cryptocurrency.
• Budgeting: Jessica tracks business expenses but neglects personal budgeting and cannot identify where money goes.

Quote:

“You need to pay off the other things like crazy... Go work for an online marketing agency... This is not working.”
— Caleb (88:09)

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7. Refusal for Traditional Employment

• Jessica resists working a standard job, despite clear evidence her business cannot sustain her (30:30).
• Caleb pushes for her to work for an established marketing agency to gain real experience and stabilize income, coupled with building a true emergency fund before retrying independent business.

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Notable Quotes & Memorable Moments

| Timestamp | Quote | Speaker | |-----------|-------|---------| | [16:26] | "Your business is a failure. Go get a real job." | Caleb | | [13:14] | “I got about $50,000 [inheritance]. Of which most of that is gone.” | Jessica | | [24:04] | "How much have you spent [on courses] total?" – "Since 2019, at least 20k." | Caleb/Jessica | | [25:26] | "You can tell me all day to stop spending, but how do I do that?" | Jessica | | [26:10] | "If you can’t do that, then there’s no hope of anything, and the rest of us are gonna be here to bail you out. I don’t think so." | Caleb | | [44:52] | "If it wasn’t for grandma, mother, and child support, you’re nothing... your business isn’t making anything." | Caleb | | [48:55] | "When Affirm is an option, I use Affirm." | Jessica | | [49:45] | "You do not know how to use [credit]... You are not a credit card person." | Caleb | | [56:05] | "Your business is a failure. Go get a real job." | Caleb | | [54:16] | "You have $101,353 of debt and not a bit is a mortgage." | Caleb |

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Important Segments & Timestamps

• [01:03] – Jessica introduces herself and her micro-influencer background.
• [05:00] – Business income details and impact of hand injury.
• [11:19] – Detailed discussion of divorce, infidelity, and emotional fallout.
• [13:14] – Inheritance, how it was spent, and how quickly it vanished.
• [16:26] – Direct confrontation: Caleb declares her business a failure.
• [19:34] – Business expenses, lack of tracking, and courses spending spiral.
• [24:04] – $20,000 spent on business "coaching."
• [25:26] – Jessica’s frustration with “stop spending” advice; Caleb’s tough love response.
• [44:52] – Caleb: “If it wasn’t for grandma, mother, and child support, you’re nothing.”
• [48:55]-[49:45] – Affinity for Affirm/pay-later credit, mishandling debt.
• [54:16] – Total debt situation laid bare: over $101,000.
• [56:05] – Maxed-out Apple Card, buying on credit for business.
• [62:39] – Debate about dating apps, safety, gender division.
• [69:29] – Spending on new relationships, hotels, and emotional impact.
• [74:29] – Family debt, more details on mom’s financial support.
• [84:04] – Discussion of student loan forbearance and repayment prospects.
• [88:09] – Caleb’s final recommendations on career strategy.

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Tone & Style

The tone of the episode is a mix of blunt, direct tough love and frustrated empathy. Caleb oscillates between humor, harsh reality checks, and attempts to shock Jessica into confronting her enabling patterns and self-destructive financial behavior. Jessica is open but defensive, often downplaying her situation, making excuses, and struggling to accept responsibility.

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Summary Takeaways

• Jessica exemplifies financial self-sabotage reinforced by family enabling and a refusal to adapt her career in the face of persistent failure.
• Massive personal debt, failed entrepreneurship, and emotional spending are interconnected, fueled by unresolved relationship drama and avoidance of reality.
• Caleb’s no-nonsense approach highlights the critical importance of personal responsibility, budgeting, and the need to “grow up” when children and dependents are involved.
• The episode serves as a raw, sometimes uncomfortable but invaluable case study of the dangers of financial passivity and generational coddling, with actionable (if tough) advice to pivot, retrain, and stabilize before retrying entrepreneurial ambitions.

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Final Recommendation

Caleb strongly urges Jessica to work for a real marketing agency, gain stable employment and skills, reduce spending, pay off debt, and only consider entrepreneurship again after building robust savings and a proven income stream. The alternative—continued dependence and overspending—will lead to inevitable crisis for her and her child.

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Hammer Financial Score: 1/10

"Go provide value in the marketplace, because clearly the market is not finding you to be valuable."
— Caleb (57:28)

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For more, tune in to the post-show for direct confrontation with Jessica's ex, further financial breakdowns, and more of Caleb's signature financial tough love.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. If you're pissed off at something, what is it that you're pissed off at?

[B]

Sometimes when I watch episodes and you're like a therapist to people, that's great. But then other times you're like, just stop spending. You can tell me all day to stop spending, but how do I do that? This morning I woke up to a negative balance on my business account.

[A]

Your business is a failure. Go get a real job.

[B]

I don't want to.

[A]

I don't care what you want. No, no, no, no, no, no. This is about the rest of your life and your kid.

[B]

No, thank you.

[A]

Okay, then give up and die in poverty.

[B]

I don't care.

[A]

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[B]

Hi, I'm Jessica. I'm 34 years old. I'm from Miami, Florida, and this is Financial Audit.

[A]

Thanks for coming over to Austin from Miami. What do you do there for a living? Ain't not a che. That is not a cheap city.

[B]

Not even a little bit.

[A]

What are you doing?

[B]

I am a business owner.

[A]

Good. Except every single time I've heard business owner from the state of Florida, they do absolutely nothing. So please tell me there is an actual business here.

[B]

There is. I started as a micro influencer.

[A]

Micro influencer? Midget influencer.

[B]

Well, I am pretty short, but no, it's someone who doesn't have, like a crazy following, but sometimes brands like that, so it actually did.

[A]

What's not a crazy following?

[B]

What constitutes less than 100,000 followers?

[A]

Okay, sure.

[B]

I guess. Yeah. Across all platforms. Yeah, it's my Twitter.

[A]

It's my ex. I'm a micro influencer there.

[B]

Yeah, I'm a micro influencer across. But yeah, it turned into a thing because I do know social media. So now I.

[A]

What did it turn into? I get a little nervous when I hear a woman.

[B]

Oh, no.

[A]

Turning.

[B]

Oh, no. I don't think it's what you're thinking.

[A]

Okay, good. Booby booty.

[B]

No, no, no, no.

[A]

Good.

[B]

I thought about that, but no.

[A]

It's 27,000 on Instagram, I'm being told. Okay.

[B]

It's dropping by the day, though. Instagram is horrible dropping.

[A]

Are you canceled? No, it's just people don't like lose followers.

[B]

They do when they don't like, like I didn't post for like two years. Okay.

[A]

I posted for two years.

[B]

Okay. Yeah.

[A]

Well, hold on. What do you do? What is your business?

[B]

And then you can tell an online business management agency.

[A]

Okay, so people have businesses?

[B]

Yes.

[A]

You have an agency?

[B]

Yes.

[A]

And within that agency they manage other people's businesses?

[B]

Yes, quite literally. We, my team and I help other online businesses.

[A]

You have a team?

[B]

Yes, of contractors. So not employees.

[A]

That must be cheaper.

[B]

Yeah, because they're, I'm not paying, you know, their health insurance.

[A]

Round of applause for Caleb Hammer. The employees of Hammer. Yeah, for real, full time employees with benefits and whatnot. Ah, yes. No, truly, I don't know how you mean yay me.

[B]

I don't know how you do it because I wouldn't be able to do that. Like I, I mean, well, because I.

[A]

Didn'T hire them until I could afford them.

[B]

Right. And.

[A]

Go on, tell me about the business.

[B]

Okay, so my team and I, we help other online business owners with their marketing and daily operations. So essentially we help them grow their businesses. So we do social media marketing, email marketing.

[A]

So you're a marketing agency?

[B]

Yeah, but we do like, I also have like VA's virtual assistants. So we'll help them with like their admin tasks. If they have like an event coming up, we'll help them with that. But they're all online events. Like online. We don't go in person, so anything like that. We just help them with everything.

[A]

Good, good. Sure. How many contractors do you have?

[B]

10, I think.

[A]

You think, you know these are people trying to pay their bills, right?

[B]

Yeah, but they don't just work for me. They don't just work for me. They're. They're freelancers.

[A]

How often do they work for you on average per contractor?

[B]

I would say on average it's five hours a month with me. Like each person. Yeah, it's not very much.

[A]

Do they do.

[B]

They're each specialist with their own things. So like I have a Pinterest specialist, a podcast specialist, an ads specialist. I can keep going. Copywriter. Like I have all the things.

[A]

Like if you need a Gunian specialist, you can contact me. I'm available for many hours a month for that. But. Okay, what does the business make?

[B]

Good question. Okay.

[A]

Yes, it's a good question. Welcome to the show Financial Audit where.

[B]

Yeah. This is the first question.

[A]

You said you hate.

[B]

Yeah.

[A]

Wait, why do you hate it?

[B]

This is the question that I was like Having nightmares about. Okay, so.

[A]

So you prepared for it then?

[B]

Yeah, I quite did.

[A]

I was like, there should be an answer.

[B]

Okay, so I used to pay myself a salary myself, but you're asking how much the business makes. I don't know that answer. So I didn't prepare for it.

[A]

What do you mean used to pay yourself a salary?

[B]

Okay, so like I paid myself up until March. I was able to pay myself a $2,500 salary after team expenses per month. Okay, so it's not very much, but it was. Yeah.

[A]

For Miami. And also that's what you're paying yourself before you do any self employment taxes.

[B]

No, no, that's after. That was my.

[A]

That's after you set 30% aside.

[B]

Payroll, if you will. Sort of. Yeah.

[A]

Good, good, good. So you said there about 30% aside.

[B]

Okay. Yes.

[A]

So now we're talking 30,000 hours a year. Yeah. For Miami. Not really seeing that. But you said until March. What happened post March?

[B]

I broke my hand and I couldn't do a lot of the work, so I hired a lot of.

[A]

What the were you doing? Well, you couldn't voice text. Cause all you're doing was typing.

[B]

No, no, no, no. I used to do the majority of the video editing for our clients. I couldn't wait.

[A]

Video editing?

[B]

Yes, yes.

[A]

My social media market.

[B]

Yeah, I did the majority, so I had to hire a video editor.

[A]

Hold on. What hand did you break?

[B]

My dominant hand. It's still broken. I mean, it's not broken. I'm going.

[A]

Yeah, I just saw you move all your fingers and one of them won't move.

[B]

So. Yeah, I go to physical therapy three times a week now, so that's still my life.

[A]

Yeah. You got finger. That's true. I see.

[B]

I wish it was the other finger, to be honest with you. It's the ring finger. So. Yeah, I was unable to like, for sure. I wasn't a cast for like six weeks. And then I had to have two surgeries. And then after that, in May, I got my gallbladder removed. So I was in the hospital like it was.

[A]

Are any of your contract video editors now?

[B]

They are. So in March is when I hired most of the team to like take on most of the work. So like, and like per project now.

[A]

Are you saying with their pay you don't have enough to.

[B]

I don't pay myself. I literally only transfer money to my checking account when I need it.

[A]

Then how are bills paid with.

[B]

Yeah, I mean. Yeah.

[A]

No, no, that's not an answer.

[B]

I transfer money when I need it. Like from my business account. They're linked, so I just.

[A]

But you said you're not making any money from your business account.

[B]

Yeah, it's like a back and forth sort of thing. Like. Like for example, this morning I woke up to a negative balance on my business account, so I had.

[A]

No, you did not. How'd you have money in your personal account though? If again, you're not making any money.

[B]

Oh, I also get some child support.

[A]

So you got a kid.

[B]

Yes.

[A]

Okay. And a breakup.

[B]

A divorce.

[A]

A divorce.

[B]

Currently going through current divorce.

[A]

So moved back to man child support. Court mandated. Yet this is just agreement.

[B]

He won't sign. He won't sign the contract yet for.

[A]

Yeah, but they'll make him sign eventually.

[B]

Oh, eventually. But yeah, right now he's.

[A]

But now it's just agreed upon support.

[B]

Yeah, but it's only when I remind him and I'm like, do you intend to support your child and do you have the child full time physical custody?

[A]

Okay, Kid, One kid.

[B]

Yes, he's two and he lives like my ex lives in Maryland, so he's like, not here. Yeah, I moved from Virginia.

[A]

How did you guys break up?

[B]

We broke up in November.

[A]

What happened?

[B]

And, oh, he left me for his coworker.

[A]

That sucks.

[B]

There's a lot. There's a lot of trauma with that.

[A]

No, I'm sorry. Yeah, no, it's not throughout the trauma word. I mean, I'm sorry. You got drama.

[B]

Drama, not trauma. I mean, I'm over.

[A]

I was gonna say. Okay, this got tick tock very quick.

[B]

No, no, no, it's not. I'm like, drama for sure. It's not even funny. Like, it's so. So over it. So. Yeah, I lived. We lived in Virginia. I moved back to Miami to move. I needed the mental.

[A]

You took the kid to Miami?

[B]

Yeah, he let me.

[A]

Oh, he doesn't give a.

[B]

About the kid considering he's only seen him four times since. He's with him right now, but that's about it.

[A]

He didn't push back on this at all. No, because he said start his new life, didn't he?

[B]

Yeah, he just wanted. And yeah, I mean, like abandon a kid like that.

[A]

That's insane. It's actually, I could never get that. That doesn't make any sense.

[B]

And his girlfriend has kids of her own and recently saw on her social media about like, pregnant. Oh, God, no, please. Knock on wood. Okay.

[A]

Why.

[B]

No, I don't.

[A]

Why do you care?

[B]

I mean, I don't care, but like.

[A]

No, you care.

[B]

I kind of care because it's Like, I don't want. She's, like, not a good person. She, like, harasses me online with her 72 followers on TikTok, but whatever.

[A]

Oh, now we're follower counting. Now that we're micro influencers, we're follower accounting.

[B]

Okay, but no, she, like, she.

[A]

You know, you can just block her.

[B]

I do, but I unblock her. It's. It's so stupid. I don't. I know people.

[A]

Why would you unblock?

[B]

Because I want to know what they're doing, so they want to.

[A]

Why?

[B]

No.

[A]

You're becoming obsessive. You're an obsessive ex. Listen, it sucks that he left you for a co worker. I'm on your side.

[B]

No, I literally don't care about it.

[A]

No, no, no. But you are in the right. You are in the right. And he left you for the co worker. He doesn't care about his kid. He's a piece as far as I'm concerned. But come on. You also are being slightly toxic to yourself. I am if you're endlessly stalking what they're doing.

[B]

My mom and my friends say the same thing because they're correct.

[A]

And everyone else.

[B]

I know what I was saying. Because they want to vacation together.

[A]

Oh, no.

[B]

With her kids. And he's, like, taking pictures like their own. His own kids.

[A]

That's what he does when dating someone else. I'm sorry. That is the reality. I'm not supporting him. He's a piece of in this, but you are hurting yourself in this, and that is what he is going to do with his new family. Unfortunately.

[B]

That sucks. I never thought he would do that because, like, he loved his son.

[A]

So he was cheating?

[B]

Yeah, I found out in May, but we were trying to work on it May to November.

[A]

You found out. How'd you find out? What happened?

[B]

Her husband told me.

[A]

Her husband told you?

[B]

Yeah, he. He actually found my business website and he did. He filled out, like, the form that you have that I have on my website, and that's how he got in contact with me, because he didn't have my phone number or anything. That was traumatic. I'm not gonna lie. When I think about that, I'm like, wow, I can't believe that happened. And so he begged and begged and begged. He cried. He was out of town that week when I. Like that day that I found out. And he came back that night and he was, like, trying to. He was begging. He was, like, on his knees, like, don't leave me. Crying. Crying, crying. We worked on it for a little bit. We Did Thera. It working clearly? No.

[A]

Did it seem like it was working?

[B]

It was. Yeah, it seems like it. So, like, my. My conditions were. Because our final.

[A]

Oh, this isn't his first time cheating. This. That wasn't his first time cheating. How many times did he cheat throughout this relationship of which a kid was involved?

[B]

So much so, like, we.

[A]

So much.

[B]

Okay. We've been together since we were a freshman in high school. We were 15.

[A]

So that means more cheating.

[B]

Yeah, because we were immature. Like, I cheated on him once in high school, too, but then he.

[A]

In high school. Okay, well.

[B]

But then after that, yeah, he. Yeah, he cheated quite a bit. He cheated quite a bit.

[A]

What?

[B]

I lost count. Like, truthfully, I lost count. Like, I don't remember. Like.

[A]

And you found out every time or he told you, like, what was happening?

[B]

So according to him, it's never physical. So, like, it wasn't a huge deal to me. It was always like, he had this lusting over other women.

[A]

He was just jacking off.

[B]

And no, it wasn't of. It was like, real people he knew in his life and he would, like, oh, it was like emotional affairs. And according to him, in May.

[A]

I didn't think that would. With me more.

[B]

It kind of did a little bit, but in May, according to him, that's all. It was too, like, with his coworker that he eventually left me for that. It was an emotional affair.

[A]

You are in a messy divorce. Tie this back to finances. And that absolutely does affect everything financial. What is this divorce? What do you.

[B]

You.

[A]

So you guys are arguing back and forth for a lot of things, right?

[B]

A little bit, yeah. We.

[A]

Are there lawyers involved here?

[B]

I have a lawyer.

[A]

What is this costing you and how long has this been going on?

[B]

I would say it's about. At one point, I was paying $1,000 a week for my lawyer. A week? Yes, a week.

[A]

So how are you doing that plus not bringing in any money from your business?

[B]

That would be my inheritance.

[A]

That.

[B]

Yeah.

[A]

An answer. There it is. What the do you have that you are blowing through?

[B]

We sold my childhood property last week. Sorry. My mom and my siblings, if you can count them. And I guess maybe neither of them really get their money directly because it's a whole other story. But yeah, they. It was 50% my siblings and. And 50% my mom when I was. So this happened when I was still living in Virginia. My mom kept. She kind of like, deposited my check for me because, like, it had to be a check. And so it kept.

[A]

How much? So you got a portion of the home sale.

[B]

Correct.

[A]

What was the home sold for?

[B]

350. It was.

[A]

Your inheritance is a part of 350. You don't survive off of a part of 350 the rest of your life.

[B]

No, definitely no. I'm not. What did you get?

[A]

Well, you are now.

[B]

I got about 50,000.

[A]

Okay.

[B]

Of which most of that is gone.

[A]

Yeah. No, because you don't pay any money. And you're like, listen, and this does suck. Putting up your hand again. We got the finger. There it is. That sucks. That sucks because that actually does affect your job. Unfortunately, the reality of that kind of comes with that is it's all of a sudden, like, we need to just re. Shift the value that you bring to the business or retrain your skills, obviously, continue working on the physical therapy. And then, yeah, sure, the contractor thing you're doing is for some. Video editing is fine, but you're not making any money with it. And you've blown through $50,000. Since when. When did you get 50?

[B]

August of this year. Of last year.

[A]

Okay. I was gonna say, does your mom give you any more. What's your mom's relationship in this?

[B]

Well, my mom, she kind of held my money, whatever. I didn't. So, like. Okay, so my ex and I had a lot of debt separately, but we. So like, when we first. When we first were working on things, like back in. I would say, June, that's when we found. Well, I found Financial Audit, actually in May, and I started, like, really? Oh, I really want to get our finances in order. And then I was like, okay, like, if we can fix our finances, we'll make it. Like, that's what I was thinking in my head. And so I enrolled us in a debt relief program.

[A]

Well, that's not necessarily a bad thing. It's about changing behavior before you do it. I'm sure you didn't. I mean, you've already blown $50,000.

[B]

But he definitely did it.

[A]

You're on the show. Your finances are not good.

[B]

I wanted us to be on the show together. Like, that was a dream. Last year before things. Yeah, but I know I'm on the show for a reason. 100%.

[A]

Oh, I can call him at some point.

[B]

That would be.

[A]

I'll call him on the post show. I'll confirm him on his cheating. Yeah. Okay. So you had $50,000, and when did that start draining and at what. At what rate?

[B]

So when we separated, I decided to pull out of the debt relief program that I signed us up for, and I negotiated with my creditors myself. So I paid off a lot of my debt with the 50.

[A]

Yeah, but now you're back on the show. Well, now you're on the show, meaning you have debt.

[B]

The only old credit that I had was my Apple card that.

[A]

You're right. So you've brought new credit.

[B]

Yes, a little bit.

[A]

So that's how you're surviving. I mean, I have here that you went and got a designer bag.

[B]

Yeah. So I wanted.

[A]

You got to treat yourself. We have a little debt. Go get a nice designer bag.

[B]

I wanted that. So in my head. So my dad left us the house and when we sold it, that's what.

[A]

He wanted was a nice bag.

[B]

I was like, this is a gift from my dad. He. When he, like he passed away.

[A]

You don't think he would want you to have just a better life though? More than anything.

[B]

For sure. But I just look at the bag and I. I use it every day. It's not like I don't use it. And I look at the bag and I think of my dad.

[A]

Okay. And if mom's holding the money, is there any left? Is she giving you more beyond it? What is happening with that?

[B]

So, yeah, she's holding on to like whatever's left. It's kind of the line.

[A]

You're 50 or the entire thing.

[B]

The lines are blurred this point. So it could be her portion.

[A]

She's feeding you financial wise. She's probably giving you from herself and others.

[B]

So I actually have a debit card on her account. And when I.

[A]

You're swiping on mommy's account.

[B]

Listen, I don't spend on it.

[A]

So instead of going and retraining your skills, so instead of going and doing something a little more productive, instead of going and making more than 30,000 hours a year, before you even had employees and now you have like 30. You swipe on mommy's account.

[B]

I only use it for like my co. Pays for physical therapy and my attorney.

[A]

Yeah, we'll see about that. But your attorney, that's expensive. So I know for a fact you've drained through your 50aminimum then probably, yes.

[B]

I mean, I transferred. I transferred some of it to my high yield savings. And what's left is what you have there.

[A]

That's insane. What is your budgeting? What is your anything? What do you. What do you. What? What is anything?

[B]

I have a budget for the business, but I don't have a personal budget because I don't know, because I can't.

[A]

Pay my budget for the business. Tell me about it.

[B]

So, like, I know how Much I need to pay my contractors. I have expenses all in a spreadsheet.

[A]

You have to pay a contractor.

[B]

So like it's roughly $700 a month total.

[A]

But if you were making 2500amonth and the 750 should, you should be still taking money.

[B]

Well, there's other expenses I have to.

[A]

Pay for what has come up that is not there before.

[B]

Adobe, you know that's not there from before. No, like all the things are there.

[A]

Well, how much is that costing? Adobe and Zapier are not costing another 2,000.

[B]

Yeah, I got charged for that yesterday. That's why my account went negative.

[A]

How much?

[B]

It was like 200 and something.

[A]

The difference that you're talking that you're not having that you had before. They're paying the employees before paying them. So where's the extra 2000 gone?

[B]

I might buy a lot of courses to help me off.

[A]

What are you doing?

[B]

Growing business and stuff.

[A]

Growing business. What is this growing business? Coaching. Aren't you the one supposed to be coaching? That's your entire thing. You're being coached in order to coach for people to build the business from someone who has a negative balance in their business account.

[B]

No, no, no, no, no. I, I don't coach. I, I'm a service provider. So I do services for people. So when I hire like a business.

[A]

Coach, they're like, yeah, but also business management, you said. And you have negative money in your checking account.

[B]

I don't manage their finances.

[A]

Is. That's not a part of the managing. But you're someone that's going in there telling people what they should do and you have negative money on your checking account.

[B]

I have no words.

[A]

Yeah, no, I wouldn't either because there's nothing that could be said to that.

[B]

Our email marketing platform or like CRM, like all the things that cost money monthly. Well, yearly. And so yeah, it's hard.

[A]

Yes. I mean, I, I still don't understand where the, where the difference is. I have a feeling you're mostly just surviving off of Mummy. Again, it is not accounting for the extra thousand seven hundred fifty dollars that you were bringing in.

[B]

There's a lot of expenses like it.

[A]

Yeah, yeah, that changed.

[B]

No, I mean, so like before my contractors, I, I mean I had that 700 at least, you know.

[A]

No, I know, but where's then the other $1750 before you got like Emperor Palpatine hands, you know what, what happened? There's money missing that you're not able to account for. And if you're Budgeting from a business. Like you told me, you should be able to tell me.

[B]

I can't. I have no idea.

[A]

Then you don't budget your business or else you'd have any. Oh, come on. But you would know in general, you could say a category of services that you're paying for. I mean, so it's just courses. You're spending $1,750 on courses? A month? Indefinitely? Forever?

[B]

Oh, no, not a month. But yeah. Okay. It's probably my pricing structure.

[A]

Huh?

[B]

My pricing structure for my, like, my clients.

[A]

Okay, tell me.

[B]

Okay, so we. I do either package pricing or hourly pricing.

[A]

Wait, you live with Mom? You live with Mom? Why didn't you say that? That's a big thing. Because that means also your overhead is practically nothing. Not only that, but your swiping on. You're swiping with Mommy. Mommy is swiping via Mommy. Big Mommy. Let's be real. If your private student loans have you eyeing a third job at the local taco stand, maybe it's time for a better plan. Y Refi is your lifesaver in a sea of debt. And unlike the typical loan shark who treats your credit score like a magical crystal ball, why Refi cares if you actually want and can afford to repay? So forget jumping through hoops and start jumping for joy at their under 6% interest rate. Yeah, you heard me. Less than 6%. Plus they got a co signer release program. So you can finally give your mom and dad a break from your financial baggage. Consider it your early Mother's day and Father's Day gift. They also offer a structured repayment plan that lowers your monthly bill. And personal reps who actually pick up the phone. It's no wonder why They've got a 4.6 star rating on Google. Apparently, treating borrowers like humans actually works wonders. So if you're sick of interest rates so high, they may as well be charging for oxygen. Y Refi is your shot at a real solution. No more losing sleep and no more ignoring them. Mountainous student loan statement on your kitchen table. Go to yrefy.com hammer that is yrefi.com hammer or call 889-733-978. That is 889-733-978. And get out from under the weight of private student loans. Let's make your debt meltdown a distant memory, not a daily reality.

[B]

Listen, I don't use your card to like. Although I did buy this. Trust.

[A]

Come on. You're a 34 year old woman with a child. What are we doing here? How much do you get from the child support on a monthly basis?

[B]

Right now it's a thousand. But it's, it's, it's supposed to be more. And that's. It's $500.

[A]

You mean it's supposed to be more.

[B]

The contract when he signs it will be around 1,800amonth.

[A]

Okay.

[B]

It's supposed to be okay. Cuz they do like a formula.

[A]

Yeah, yeah.

[B]

And I'm getting spousal support too.

[A]

How much?

[B]

It's, it's with that it's all combined.

[A]

Okay. Originally I went your lawyers project this will be all wrapped up.

[B]

They're waiting on him. My attorney actually messaged me this morning like asking why he hasn't signed it. He had an attorney and then he like fired the attorney. Probably because he can't pay for it even though he has a very nice six figure salary. But.

[A]

So what is this pricing structure thing you're saying?

[B]

Okay, so we do hourly pricing or package based pricing depending on the client. So the hourly is in chunks of 5, 10 or 20 if they, the more they buy, the more they save. But they don't.

[A]

Is that the depending on the client or are you just like picking what minority you want to charge more? Like what are you talking about?

[B]

It depends. So like. Yeah, I don't know. It's really stupid on my part.

[A]

What's the depending on a client?

[B]

So some clients don't need any marketing help. They do their own marketing. So I just do the admin tasks. The admin tasks are hourly because I'm like how else am I going to.

[A]

Package that admin who doesn't know how to budget her business finances? Come on, admin, you are in do you are doing everything that impacts their finances, whether or not you're in the dollar bills.

[B]

But actually it helps them. Like I've had great success. My clients have had great success because of me.

[A]

Great success. Okay.

[B]

But anyway, the pricing, pricing structure.

[A]

Sure.

[B]

Okay. So 20 hours is like apparently you're.

[A]

Talking down Colton's ear about how I'm going to hit six figures next year. I'm going to hit six figures next year. I'm going to hit six figures next year.

[B]

I was. Yeah. By the end of this I'm.

[A]

Yeah, yeah. Not many months left to go from literally negative balance to making six figures. But sure, try, try this person structure thing for the third time.

[B]

Okay. So the hourly packages, the more you buy, the more you save, but they don't expire. So I have a client who bought ours In January, but it's August and she hasn't finished them so it's not.

[A]

But that's fine.

[B]

But it's not predictable income monthly.

[A]

No, for me do not. Then you have to budget that over the month. You need a much larger fund just sitting there to get you through the up and down months.

[B]

That's.

[A]

I mean that's pretty damn basic.

[B]

That's what I. I had original sign upper.

[A]

Has none of them told you that? Has none of the coaches. You pay infinite amount of money tell you that. I'm telling you that for free. In fact, I'm giving you money to tell you that. Come on. How much have you spent on course and coach?

[B]

You'll probably see it in my statements actually.

[A]

How much have you spent total?

[B]

Yeah, like since I started the business in 2019, I would say at least 20k.

[A]

I guarantee you. The TikTok coach we had in this chair, the little TikTok agency girl coached her Insert clip.

[B]

Now not only that, but then I developed an e learning program for social media.

[A]

You developed an elearning program?

[B]

Yes, I did. Now that I can personally show you sake.

[A]

I bet you paid her money.

[B]

No, I don't do. I mean I have my own.

[A]

You spent $20,000. You make $0 a month right now it makes no sense. What is the future then? What is your intended future? You say you're getting to six figures. What are you doing?

[B]

Getting more clients.

[A]

Sure, but how. What's. How does this business look though with the unusable hand?

[B]

Essentially, I am the strategy behind everything. So I help every. Like I help them with their marketing strategy, their launch strategy, like whatever they're doing in their business and then my team executes. But clearly since I'm better, I probably need to do more of the work and pay them less. So my intent is to pay my contractors for only five hours each a month. But sometimes it gets like they. When they run out of hours, they're like they send me an invoice so I need to send them more money and I need to. Sometimes it comes from credit cards too.

[A]

So no plan is what I'm hearing pretty much. Which is interesting because I hear you have a major issue with me. I know you watch a lot of financial audit, but quote, she's pissed. Caleb only tells people to stop spending, not how. What is your issue? Because I just trying to ask you for a slight plan. I'll tell you one thing you didn't tell me how in any way whatsoever. But go ahead. What's your issue with that.

[B]

Because you can tell me all day to stop spending, but how do I do that?

[A]

What do you mean? What. What. What part of the house.

[B]

Take the actions. What are the actions?

[A]

Okay, don't go into the McDonald's, drive through. I literally delete the doordash app. I'm doing an example. I haven't seen your spending yet. But that, I mean, what do you. What do you think? If I say, hey, don't spend at McDonald's, the action is, don't go to McDonald's and swipe. Like, what. What do you. What. What more do I have to say? If I say, don't. Don't have the subscription anymore, the action, the how would be cancel the subscription. What more do you need? I'm confused. What's your issue?

[B]

Okay, okay, okay. Because, like, no, what's your issue? How?

[A]

Well, you go onto your profile on your phone and push cancel.

[B]

But what if you don't have the willpower to do that? Like, how do you do?

[A]

Okay, then give up and die in po. Congratulations. None of us are gonna be here to support you. Like, what do you mean? You have to have some kind of personal responsibility, and I'll have empathy, and I'll help. I can hold hands. Sure. But if you're just gonna say, well, you know, has your willpower to cancel a subscription, it's like, okay, then just give up. What are we doing here? Like, come. If you can't do that, then there's no hope of anything, and the rest of us are gonna be here to bail you out. I don't think so.

[B]

It's just hard.

[A]

What? What's hard? What. What do you. What do you. Again? If you're pissed off of something, what is it that you're pissed off at?

[B]

I feel like, okay, sometimes when I watch Episodes and you're like a therapist to people, that's great. But then other times you're like, just stop spending. And it's like, what?

[A]

Like, yeah, it's situation to situation.

[B]

It's like, yeah, well, that's why I'm on the show.

[A]

Gotcha, bitch. Wonderful. Depending on some people's situation, it has to be more, you know, the hand holding. Some people's situation, they're just blowing money and there's absolutely no reason as to why. No, but. And which one are you? Something tells me you're just swiping mommy's card.

[B]

I don't buy things with mommy's car.

[A]

Yeah, but you live also under mommy's roof.

[B]

Yeah, but the house is paid for, so we don't have very many expenses anyway.

[A]

So we 33 year old grown adult woman, 34, who is a mother. 34. Yeah. And if you're 34 and also failure, feel free to come on this [e-mail] apply. Hi. I'd be happy to have you here in Austin, Texas. Okay. Okay. I want to get into these finances. But again, if you spent you spent 20,000 hours on courses, I want to know exactly what you've gotten. What have you gotten? What am I dealing with here?

[B]

A lot of courses on the same things, to be honest, just from different.

[A]

But what like what are you doing? Like, tell me anything that is actual answer.

[B]

Like social media marketing.

[A]

But that's you. You're the one that's supposed to be doing this.

[B]

Why are you correct. But I need to expand my skill set. I need to learn. You need to learn. And you're. You're still learning every day, aren't you?

[A]

Are you?

[B]

Are you?

[A]

Yes. Am I blowing $20,000 for it? No. For sake. Our thing. Our thing. The thing we offer that has like the lowest refund rate in the industry. Even though that's fine, but you get it for free. And you know that you get a free refund within a month if you ask for. If you don't find value. That's how confident we are in it. But even that all five or at whenever this comes out, six of our educational programs plus the budget nap is literally 197. How does the did you spend $20,000 when we have like the best in the industry with the most lenient refund and the lowest refunds?

[B]

Yes.

[A]

How the did you spend $20,000?

[B]

It's a completely different industry.

[A]

First of all, no, you got scammed. No, you got great hustle.

[B]

They're great coaches. They are.

[A]

Which is why your business is so successful. After investing $20,000 into learning how to do your business better. And even at your peak, you made $30,000 a year net in Miami.

[B]

At least I don't have to pay rent.

[A]

Yeah. That's the only reason you're alive. And you have a roof over your head. What the do you think? No. Probably being enabled. Who would have thought? But I'm saying you spent $20,000 and in your best year you made $30,000 net. Where's this return on investment? If there's such great coaches, where's the results?

[B]

But it's $20,000 since I started the business in 2019. So if you think about it, that's, you know, six years.

[A]

Then your best is 30,000.

[B]

Yeah. It's not like you're. It's not like a thousand dollars.

[A]

Here's the thing. If after six years your best year is $30,000, not your business is not doing well.

[B]

Okay. It's grown from like what it was for sure.

[A]

Yeah. 0 to 30. That's still not great. Listen, I'm giving you that excuse. Year one, two, three, maybe four. But if we're talking year six and we're not making enough to live, I.

[B]

Mean I was before March. I was, I really was.

[A]

It was $30,000 a year. We just talked about that. You could only live because of mummy.

[B]

$30,000, like not a bad. When I don't have a lot of overhead because of mom.

[A]

Your business itself is not successful nor sustainable. Six years in, if mom's not there, I don't know what the would happen. You'd probably get her house because you're lucky because everyone else around you takes care of you. And I'm glad you're getting the child support because yes, he put it in and he abandoned. So yes, he should pay that. But even still, that's going to help subsidize you needing to try to go better at your business or retrain your skills or get into or just. No, I'm not necessarily give up, but accept the reality of your business and maybe go work for someone else. You know the best experience you'd possibly have? Working at a marketing agency in an actual job, making $60,000 a year and picking up real life skills.

[B]

No thank you.

[A]

No, thank you. Well, that's where you actually learn things on the ground.

[B]

I've learned a lot actually doing some.

[A]

Of the coaching things work, but obviously yours hasn't.

[B]

I've learned a lot. Like actually doing this.

[A]

It's the first time mom's bailed you out. Let's be honest. 34, almost bragging. Living at home and being proud of it.

[B]

I needed the physical support more than anything.

[A]

Is this the first time she bailed you out?

[B]

Absolutely not.

[A]

What? Tell me.

[B]

Well, when my ex and I were still together, we were would need to borrow money from her quite often.

[A]

Okay, so you've never been an adult once in your life and you've pursued this hobby.

[B]

I was a teacher before I made an actual. Actually I was making around the same amount. So like it wasn't a great salary, but like a teacher doesn't make great money.

[A]

$30,000 a year.

[B]

In Miami.

[A]

In Miami.

[B]

In 2014 when I first started teaching, I made yes check for 2014 though I promise you the first year was $35,000.

[A]

First of all, it's 2014 money versus 2024 money when you made $30,000. With inflation, you're probably talking closer to $40,000 of what you made in the back then cash. But even still, it was 2013. Yeah, 46,000. But after the tax monies that you get, no offense, making $46,000 as a teacher and everything, I know you didn't have a kid yet, but you weren't paying much in taxes. Ladies and gentlemen, a financial audit. This is one of the most important, 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 about debt, investing, budgeting, real estate, basic beginner stuff and finance all the way to the advanced stuff collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? 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. 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 comm let's go. Remember.

[B]

No, I wasn't.

[A]

But still remember the bottom 50% of earners in this country of which you would have been 1, pay 2% of all net federal income taxes in this country. You did not pay much. So I don't think you were at 30,000 hours, but even said even still, okay, you were probably closer to about 40, which is probably about 50 in today's money. Gotcha. So no, let's not do that. So not saying you should. Shouldn't have been paid more. Listen, I would love teachers to be paid more.

[B]

That's why I left the profession. I was like such an under.

[A]

Yes, but you're making less and then you borrow from mom. I work for myself 50 times. You work for yourself. No you don't. You work for your mom, subsidizes you in order to do a hobby. Shut the up. Okay. What do you think your financial score is 0 to 10. 0 being the worst, 10 being the best.

[B]

It used to be worse, but okay, I know you love that statement. It used to be worse. I would say I'm a one now.

[A]

If you want your financial score, see where you stand in the world of finances. Go to caleb hammer.com or dollarwise.com take the assessment. It is free and you can see where you stand and where you need to improve. And if you don't want to be like a guest who ends up on this show, make sure you sign up for the dollar wise budgeting app. Take your free trial now and if you like it, sign up for the annual version to save a lot of money and get my budget friendly cookbook signed by me mailed directly to you. And if you want to bundle all of the education together, sign up for Dollar Wise Central. Go to Dollarwise.com save 80% that way. Want to set you up with the best resources possible to change your life like tens of thousands, nearly a hundred thousand people have done now at this point. I appreciate it it. Okay, let's jump into these documents. Business coach. You going to coach my business? What would you coach for my business?

[B]

I mean, go ahead, coach me. Every time there's a job up, I'm like, I wish it would be a virtual like a remote job because I think you could use my services for sure.

[A]

Great. Okay. So while the 30 of us collaborate in person, we'll have you who calls in every once in a while.

[B]

I don't need to call in for anyone. Well, I mean I do have a zoom meetings, but I don't. I do all of my stuff. Stuff like I literally just take over.

[A]

Thank goodness. It would be even better the fact that we would never talk to you while the rest of us constantly talk to each other all day.

[B]

Wow. I am a very entertaining person. You would love having me here. But I don't want to move here anyway. That's not what I'm saying.

[A]

I know, but we're moving anyway, so it doesn't matter. Okay.

[B]

It's not a good idea.

[A]

It's not a good idea. Why? Tell me.

[B]

No, I don't know.

[A]

Why is it not a good idea.

[B]

To move to New York or to Las Vegas? Those are. Yes, I do.

[A]

Parasocial affirm. What's going on with this? Love seeing affirm just started off back.

[B]

In August when I got the money from the house. I bought myself the purse. But I bought my now ex husband.

[A]

No, no. Yeah. In the middle of you guys still going through therapy because he was diddling, diddling on the side. Side diddling. Just open the relationship or bring in a third thought about that too.

[B]

But.

[A]

Or just break up. Don't cheat.

[B]

Yeah, that was. Yeah, it was. It wasn't.

[A]

So what. What did you buy?

[B]

He. I asked if he wanted a different. A gift from my dad.

[A]

Sorry.

[B]

This would be a gift from my dad. So what do you want? And he said, a watch.

[A]

So also, that's probably. Is that what your dad specifically said? Hey, everyone, when I die, please get everyone around you a gift in my name.

[B]

I just wanted to do something nice. They had a relationship.

[A]

You wanted to do something nice. You were just setting yourself up and you're like, daddy wanted this.

[B]

Honestly, subconsciously, I was like, maybe this will save the relationship.

[A]

Buying him a hat.

[B]

Buying him a watch.

[A]

Oh, a watch. Why did I think hat? Okay, instead of buying him a watch.

[B]

Yeah, he wanted the watch. He's wanted an Omega watch for, like, years. I was like, okay, let's do it. But I didn't want to spend $8,000.

[A]

So you spent 8,000 of the 50?

[B]

No, I took it out on a firm.

[A]

So you're still paying for it. You're still paying for the cheater's watch? Oh, lady, what are you doing? Which one is it? The Omega watches at a 32.9% interest rate. You're paying for the cheaters watch?

[B]

Yeah. When we separated, I said, you have to pay that. I'm not paying it. And then he's like, yeah.

[A]

Did you guys ever get back together in a goonie state post separation? Okay, well, that's good. But you're not getting for his watch. Well, yeah, don't. I. I wouldn't.

[B]

No.

[A]

So it was an $8,000 watch, but it's going to cost nearly $10,000 after interest. And how are you paying for this? Oh, mommy. That's right.

[B]

No.

[A]

Yes. Can I tell you how that works? Do you not know how that works?

[B]

Can I tell you how it's supposed to work? He's supposed to pay for the watch. I said, you're paying for the watch. When we separate, he's like, yeah, I want to keep the watch because I want to give it to our son. Blah, blah, blah.

[A]

You bought it. It. I'm sorry. You bought it. Listen, sure, he should pay for it. Doesn't matter.

[B]

He. He agreed to pay for it.

[A]

But you bought it.

[B]

But he agreed to pay for it. But then now he's not paying for it.

[A]

He agreed to it. But. But again, it's in your Name. I'm sorry, this is. Listen, I'm not saying it's nice. I'm not even defending. I'm just saying that's the reality. It's just like you got to give up on the. He's going to pay for it. Cuz he's not going to pay for it.

[B]

No, he's not going to pay for it.

[A]

So now you're stuck with it?

[B]

No, I'm trying to sell it.

[A]

So you have it?

[B]

I have it with me right now.

[A]

Show me.

[B]

You want to see it?

[A]

Yes. I don't know anything about watches. I have an Apple watch.

[B]

So you wouldn't want to buy it?

[A]

No, I don't have watches. I'm not a watch guy. Brandon, are you a watch guy? Can you tell me if this is a good watch? Are you a watch guy? Wes, are you a watch guy? Oh, he has an Omega.

[B]

There you go.

[A]

Wes, can you tell me if this is nice? I like the blue. I'm not a watch guy. Heavy. Why would I want this weight around me? Oh, is it a seamaster?

[B]

Yeah, it is.

[A]

That's what I. Oh, twinsies. How much did you buy for that one, Wes? Eight grand.

[B]

You see, that's what it cost.

[A]

Okay, what's it worth right now? Actually, no, there was like. This is like a 1997 version.

[B]

Oh, wow.

[A]

What do you think she can sell that for eight? Probably not. Do you have all the boxes?

[B]

Yeah, I do, just not with me. But yeah, I do, but I have not had five.

[A]

Okay, well that only sounds.

[B]

That is absolutely not that the case. Okay, so first that at least helps, though. I'm dumb. And I took it to a pawn shop and you're right, a pawn shop was going pay me a thousand for it.

[A]

Yeah, for desperation money.

[B]

Yeah. Okay, so I. That was stupid. But then I listed it on Marketplace because I was like, something, I need something. And then I listed on ebay as well. And the most people have offered is 3,000.

[A]

I am so glad I'm not into these. And I know they hold value, but.

[B]

I'm so glad I don't hold value.

[A]

Some watches.

[B]

Some watches. Rolexes do.

[A]

I'm just saying.

[B]

I. But that one doesn't.

[A]

Okay, well, I.

[B]

And that's the thing he told me to. My ex was like, there. It's never going to depreciate. It's going to only appreciate. We're going to be able to sell it.

[A]

If we're saying I wish I was into watches or I'm glad I'm not. Because even though Watches in general are quite good. I would be sending so much money because I get excited.

[B]

He has a giant watch collection.

[A]

Okay, good. So you're still paying on this. You're trying to sell it. You still owe 4,953. So if you do sell it for five like Wes suggests, you could pay it off, though.

[B]

It's not going to sell for five. I've tried. I listed it.

[A]

It's not going to sell for five. Oh, I thought you were trying to say you could get it for more. What do you think it could sell for?

[B]

Well, I'm trying to sell it it right now. So that's from.

[A]

You're overdue on the omega watch.

[B]

Oh, yeah.

[A]

You're over due on the watch. It's a normal payment on the watch. It's going to hurt your credit. This gets reported to credit now.

[B]

It does. It did. My credit is lower than.

[A]

Probably why your life principle is affecting you. And if you ever want to get out of mommy's house, which, you know, at some point I would love to see any kind of independence in any way whatsoever. No. Huh?

[B]

Hispanics all live together. It's fine. I'm going to live with my mommy forever.

[A]

You're Hispanic?

[B]

Oh, yeah. I'm Cuban.

[A]

I don't know about that.

[B]

No, we're very like. Okay, well, at least I'm joking with you. No, like in my.

[A]

Everyone's everything. Yeah. We got to make sure we qualify. Whatever we are. Okay, great. I'm just human. I don't know why we. But whatever. Sure.

[B]

No, we all we. Yeah. I don't mind living with my mom. Like, not only she's all. She's old. She also needs me. So like.

[A]

Okay, so she won't be here for a while. While. For very long.

[B]

No.

[A]

No. That's sad to think about, but I'm just. I'm setting you up for success. You're not going to be able to rely on her.

[B]

I'm not paying that on principle. I mean, I did. Okay, so I did.

[A]

So you're willing to destroy your own.

[B]

That's from May. I did end up paying it in June. And I also did not pay July, though. But I pay. It's. It's actually. No. It's overdue.

[A]

Huh? Oh. What the.

[B]

Yeah.

[A]

What are you talking about then? What was the normal monthly payment in your tit?

[B]

569. Okay.

[A]

What the. Why couldn't you do that?

[B]

Because that's a lot of money.

[A]

It is, but you could be working a job. Is. Is. Is. Is grandmother able to take care of grandbaby.

[B]

She's 98.

[A]

Oh, she's really my mom.

[B]

My mom is. Yeah, my mom is 70. She's. She's retired.

[A]

Who do you think your child's grandma is?

[B]

My grandma also lives with us, so. When you said grandma, I thought you were talking about mine. My grandma.

[A]

Your mother. Also known as the grandchild. Okay. Why?

[B]

I mean, she cares. She does care for him, but she. She works.

[A]

You said she.

[B]

She works.

[A]

You're relying on an old working woman. What is wrong with you?

[B]

She doesn't want to retire. She. She's very independent herself. She does not want to retire.

[A]

She worked 40 hours.

[B]

Oh, yeah. Well, no. Yeah, it might be closer to doing what? She's a mechanical engineer.

[A]

Dude. Shout out to. Yeah, she's Grandma Castro. Love her. She's working hard. I don't know any other Cuban surname. I mean, I thought you were as white as me. So. I'm just going off of what you're saying, girl. Especially when we're all dying hairs these days. Who knows what anyone is? Hi. Listen here. Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to web. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial funding amount and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from Sofi and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money. Just. And then three, automate your investing with acorns. Usually sign up incentives are only five bucks, but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to helium. Get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com youm will not regret any of these. Change your life today. I don't. We got gingers in Cuba, right? Lindsay? Our. Our ginger Ginger. Never mind. She knows ginger. Cuban.

[B]

There's gingers everywhere. I know a lot of Cubans are white, not like brown like they talk about.

[A]

Don't be racist. Yeah, so if that's the case, that means you're home taking care of the two year old all the time.

[B]

He goes to daycare.

[A]

How much does that cost?

[B]

$185 a week.

[A]

How do you pay for anything? Listen, daycare, 40 hours a week. Week. If he's doing that, you just need to go get a job. You need to get into a career track and try to make something to the rest of your life. Come on. 35. This business is not working. It's a hobby. I'm okay with you still working in this. I want you use this experience. Go work for another agency. I know you're so against that for some prideful, annoying reason, but you will get more experience there seeing what a successful company does. A lot of the elements I pull into my business is from things I've done and successful people I've been around. I pull that instead of paying $20,000. Ours. Not saying courses are bad either. Again, we provide good value in ours. There are good value ones out there. But obviously what you've done, you have not been able to translate in the real world. So you need to go work for an agency that has been successful and see if your boots on the ground actually results in something for yourself.

[B]

I don't know what want to.

[A]

I don't care what you want. No, no, no, no, no, no, no, no. This is about the rest of your life. Ain't your kid. I don't care about you want. All you're getting is child support. Support. That's the only way you are making anything now if it wasn't for grandma, mother and child support, you're nothing. Nothing. Because your business isn't making anything. Because now in order because of the thing that is said and I'm sorry. I'm sorry. Okay. I'm sorry. That sucks. I am empathetic of that. We just have to be real world now because that's all this conversation is. You're not going to be helped by me saying I'm sorry. Shake your hand. Now leave. No, we have to be real. And unfortunately you're not able to do the video editing test that you were.

[B]

Yeah, but I can do other things now.

[A]

Wait, wait, wait. Put up, put up with your hand. Put up your hand. Put it down. Do this. You should be able to do video editing.

[B]

Okay, now I can now because video.

[A]

Editing is just this on, on the right hand.

[B]

It is just this swipe and it's like you have to click the mouse. And it's.

[A]

So this is hard.

[B]

Not really.

[A]

Like, okay, what? Because this is all video editing. It's. A lot of the tools are used in left hand tools to switch between things. Hotke, the video editing says this. If you can do this and scroll, scroll, scroll, this, this, this. It's like you don't. You don't need any of this, and you certainly need this. So actually, I'm struggling to see why you need these contractors now. Because you can work.

[B]

I needed this.

[A]

Hold on. We don't even need to retrain. Come on. I've talked myself out of this. You can totally do it. Look, you're making motions right now. You're drawing circles for me in the air.

[B]

Look, I.

[A]

She just pointed at me.

[B]

She can do anything. This finger works really well.

[A]

Actually, that's the only finger that matters at video editing on that hand.

[B]

But, yes, I'm doing a lot. So, okay, I cut back a lot of the contractor's hours since I've gotten better. So I'm doing a lot more of the work. In fact, I'm working 24 7. Doubts, quite literally. Doubts quite literally tell me I work 24 7. Okay, so like, okay, my. One of my clients, for example, she. She's a package. She's on a package she pays $1,000 a month for. For various tasks. Right? But then randomly, she'll be like, can you do this for me? Can you do that for me? And I just let her walk all over me and I just do it. Well, it literally just. It literally takes so much time.

[A]

Say, I need to upgrade you for this extra stuff.

[B]

We already did.

[A]

Okay, then what's the issue?

[B]

But then she keeps adding more stuff.

[A]

Then upgrade more.

[B]

She won't.

[A]

Then tell her you won't. You're afraid to lose her as a client if you do.

[B]

She's my highest paying client. Well, like on retainer.

[A]

And that's a dangerous position to get in if you get one client that runs the entire business. That's not a business. You're someone's employee, essentially.

[B]

Like, I kind of am part of their team.

[A]

Listen, I want to re. I want to help retrain you some things that you might be able to provide more value. I'll get you an accounting certification through course careers. Leverage that for additional clients so that maybe you can be a part of the financial part. I'll also get you the fizz card, the debit card that builds credit. Use the things that we provide. And we'll also. I have a feeling you probably Expensive phone. Get you on the helium plan as well for a cheaper phone plan.

[B]

If T mobile is good, I have. I have Metro.

[A]

Oh, good. Okay, so you already got something, but that's good for people out there. Okay, so we got the watch, but I also see 30% interest. Amazon order. I see a train AriseMe. 31.45% interest. Owing $1,662. Well, that was the opening battle. Pounds.

[B]

No, I think.

[A]

Yeah, 16, 13. That's what I owe. Okay, great. What is that?

[B]

It was a fitness program that. Yeah.

[A]

What? So 2000. What?

[B]

I actually met her.

[A]

31.45. What?

[B]

I met her online too. Like with. Our businesses are very similar. She's a coach. She's a fitness coach. And so she helped me. I lost £50 because of her. Since last. Since I got that. So it's helped. It's a fitness program.

[A]

Fine. But you're putting it on a firm at a 31.45 interest rate. That's what I'm talking about here.

[B]

I know.

[A]

I encourage finesse. I put fitness in the budget. Let's get fit.

[B]

I couldn't pay it out. Right.

[A]

Get more fit. You can work more, you can make more money. You can pay off debt quicker. That's fine. But you put it on insane interest.

[B]

When a firm is an option, I use affirm.

[A]

Well, close affirm. Then to make it not an option, you wanted to ask the how. The how earlier. You're pissed that I didn't give you the how. Here's the how. Close your affirm. Because it is a dangerous tool for you. You do not know how to use. You do not know how to use it. Anyone and everyone can have access to a hammer. But if for whatever reason, every time you swing it, you hit your eye, you should not be the one with the hammer. I'm sorry. And you do every single time with this tool being credit you. It hurts you. You are being taken advantage of. You are not taking advantage of the system. So close it. You are not a credit card person.

[B]

I think I am. I've gotten a lot better.

[A]

What? Shut the up. I have your firm right here and you specifically just said if I can use a firm, I use a firm. Firm. Shut the up. What are you talking about? What the are you talking about? You don't know what you're talking about at all. What do you mean you're a credit person? What? What?

[B]

I used to have more credit card.

[A]

I don't give a about what you used to. I see this right in front of me? You just told me if I have a firm, I use it. What are you talking about? Tell me. Huh? That doesn't make sense worth anything.

[B]

I actually think it's a great tool for people.

[A]

You're using 32% interest. That was a great tool for people like me. Who can manage it? For people like these people around you right here. Who can manage it? You can't. Who cares? It doesn't matter. It's not some sense of pride that you can manage credit. Who cares? You can't use debit. Who gives a.

[B]

But if you don't have that money outright and you want the thing, it's.

[A]

Like, why do you think you're entitled to that? Well, because mommy and daddy have coddled you in your entire, entire life, so. No, you think you're entitled to everything. But who the are you? You have a child. Think of your child building up debt, not being able to take care of them, and all of a sudden they're going to be taking care of you like mommy's taking care of you when you're trying to retire and you don't have enough money because you stop your entire life and just prioritize your own fun. Yeah, that's what you are, a leech. So you. Why do you think you can spend money that you do not have? Who are you?

[B]

But it's for fitness. It's not like it's for fun.

[A]

You're saying if you have a firm, you use it. I'm not talking about the actual purchase itself.

[B]

Well, I haven't made any new affirm purchases.

[A]

I don't know. All I know is you have it, and it was from a couple months ago.

[B]

Oh, that was a year ago. 2024.

[A]

The Amazon was a whole year ago. Yeah, that's the same. The main issue is you said if I have the ability to use a firm, I will. And you specifically also just said a few sentences ago that if I do not have the money to afford it, then I can do this.

[B]

Yeah, because it's a better option than.

[A]

So do you not understand how you. You're wrong. You're a leech. You're a milker.

[B]

But I'm paying those. It's not like Mommy's paying them. What do you like? I pay them monthly payments.

[A]

No, you don't understand. Colton, May I have the whiteboard and a pen? Thank you.

[B]

Oh, God.

[A]

What?

[B]

I'm just nervous. What are you doing?

[A]

You. All your money. This is your money you have to spend. Now, if Mommy takes care of. Of these necessary Expenses like lawyer, rent, over your head, utility, whatever. Yes, because you're living under her roof. Shut the. Absolutely. She is taking care.

[B]

We don't have a mortgage.

[A]

She's taking care of. You are living. Oh my. She doesn't understand you living with her is making this so you don't have rent. She takes her lawyer fees and she takes care of some other fees that you talked about. Okay, very good. So it's this that allows you to spend this double amount. So mom taking care of this is making you allowed to spend this. So she is still paying for this. That is how the math works. Do you understand? Or has the Cuban education system failed us? What are we doing? Do you understand?

[B]

Yes.

[A]

Thank my goodness, because I did not want to break another marker. I've been buying way too many. Being late on your firm is not spiteing your ex. It does not impact him. It doesn't impact him. It only impacts you. You're spiting yourself. So what is the minimum monthly payment for that? Because the total you owe. Oh on a firm, by the way, is $3,324.42. 43 cents. What is. What's the minimum on the watch when you Normally pay it?

[B]

569. I think the other one's 90.

[A]

90.83. Yeah. So your minimum payments to a firm are $659.83. Well, we got through a firm thank Zapple card. Balance is insane, dude.

[B]

It's higher now. Like a lot higher.

[A]

You're doing a Spain. A Spain trip with mom. Are you affirming that? What the.

[B]

My mom will affirm that.

[A]

Your mom affirmed it.

[B]

I doubt she will. No.

[A]

Are you affirming it? She's paying for the entire Spain trip. You are such a spoiled brat. You've never learned a single skill in your life monetary wise. And that means when they are gone, you are. You will blow through all the money as you do now. You are going to be destroyed. Which means your kids life is going to be nothing but stress. Because their mother has refused to learn any skills or sacrifice anything. And they're just going to see nothing but stress. Stress, stress. Trying to pay bills. And that's on you. Disgusting. Disgusting.

[B]

That's why I'm here.

[A]

That's why I'm here. Shut the up. Every time I say something, you push back against it, you little tit. Oh, big guy. You have $101,353 of debt and not of. It is a mortgage.

[B]

Damn. That's the amount.

[A]

That's the Amount. Damn. Yes, it is. That. That, that. That is true. Now we know what comes in. By the way, it was 2,600, which was Zeldin last month. Okay, very good. How much was spent last month?

[B]

3,000.

[A]

Okay. $7,284. You are broken.

[B]

And it is only because it's actually crazy.

[A]

That is actually crazy. I agree. Well done. All because of Mommy. Mommy's taking care of it.

[B]

Yeah. I'm not dumb like other people when they're like, oh, I. I didn't realize you took in the credit cards and stuff.

[A]

But everyone always thinks they're better than the other guests who come on the show.

[B]

That's not what I'm saying. But anyway, like, I didn't even know I had that much credit, like, on my other accounts. Like, what. How did I spend that much money? There's literally no.

[A]

Okay, Apple. What's going on with the Apple card lady?

[B]

I opened it to get a MacBook Pro Pro back and.

[A]

Oh. Because we super needed it for our business.

[B]

Yeah, I mean, you could have done.

[A]

Fine with the MacBook Air. I guarantee you.

[B]

They're not that much more expensive, I don't think MacBook Pro.

[A]

Yes, it is. Unless you got the base model of. Again, what's the point? At that point.

[B]

Either way, I don't use it very much, so it's because I have an imac, so. Which I need a new one anyway.

[A]

Oh, you dumb tit. You absolute dumb tit. Oh, I hear it's over the lips. It.

[B]

Yeah, it's over the.

[A]

Pull it up. I heard it's gone up. Pull it out. Apparently, you just buy AirPods, lose a set. Buy AirPods, lose a set. Buy AirPods, lose the set. You just give.

[B]

Oh, my goodness.

[A]

Yeah, it's over five. It's over. Yeah. So the limit's five, and we're just at about five. What's your minimum mode on it?

[B]

I don't know.

[A]

Well, it's probably like 250. I'm going to write 250.

[B]

Yeah, it's. It doesn't really tell you very much, but, yeah, I have a lot of Apple. Apple, Apple.

[A]

How long does this take to pay off? If you only make your minimum payments only without purchasing, which you're incapable of, but go ahead. How long does that take?

[B]

13 years.

[A]

19 years.

[B]

So I wasn't that far.

[A]

Great. You'll be mid-50s, headed towards retirement, and there is. You're. By the time this is paid off, and again, your kid will be out of the house. House. Your kid will be 21.

[B]

He's gonna stay with me forever, too.

[A]

I hope for his sake not. Because this clearly has not benefited you in any way whatsoever. Pull out your phone for me. Oh, yeah. So many finance plans. Apple Store, Apple Store. Apple Store, Apple Store.

[B]

Yeah.

[A]

Probably a bunch ton of AirPods.

[B]

Yep. I had lost a pair of AirPods at the hospital, and I was getting my gallbladder removed, so I just bought new pair.

[A]

So stiffen $109.14 in interest this month so far. $522 this year. 26.24% interest rate. But of course, this was a couple months ago, so. And now it's higher. Pull up your phone.

[B]

Yeah, it's higher because I paid my team from it.

[A]

That paid your team from a credit card?

[B]

Yeah.

[A]

Your business is a failure. Go get a real job.

[B]

I needed that team member to do that thing for the credit.

[A]

Your business is a failure. Go get a real job. Your business is a failure. Go get a real job. Accept it. Grow up. Go provide value in the marketplace, because clearly the market is not finding you to be valuable.

[B]

It is. I just don't manage it.

[A]

No, it's not. At the peak, you made $30,000 a year. After six years. Go get a job. Yeah, but you are a mom. Go get a job. You're not someone grinding.

[B]

I am grinding.

[A]

No, you're not. Something grinding in their early twenties who has nothing to lose and no kids. You have a kid. You have aging parents to take care of. You have responsibilities. You need to grow the up. Yeah. Yeah, you did. You paid. There's also. Oh, by the way, two Tik Tok charges this last month. Two Tik Tok charges?

[B]

Yeah, Tik Tok.

[A]

Not cheap. $43.85 and then $9.26. Ew. Let's see what subscriptions she has.

[B]

Yeah, the subscriptions are.

[A]

Oh, my goodness. They're endless. They're endless.

[B]

Some of them are not active.

[A]

They're endless.

[B]

Some of them are. I canceled.

[A]

I actually canceled AppleCare plus Apple Care plus for iMac. Apple One hatch sleep headspace. Mental health. Honesty, wellbeing. Coaching. ICloud plus. Instagram. Paying for Instagram. I teach. Plus notably smarter AI notes. Resign me Recipes. She's on the T dating advice app where men are docs and men have been lied about.

[B]

Listen, that's.

[A]

That is an official.

[B]

Sure. That's super helpful.

[A]

I'm sure it is. Guess what? Do you know how many reports of literal false information have already been applied there? So you find it helpful that there is literal false information.

[B]

If five or six girls are saying the same thing, then you know that's real.

[A]

No, no. Have you? Dude, I've had things said about me on the Internet and people dogpile. They read one little thing and then someone regurgitates it as slightly more established. And then someone regurgitates that as it's slightly more established. Then all of a sudden sees that and they're like. Even though one person was like, no, I think Caleb may have done this one time. All. It gets regurgitated five times and then people read it as a truth. You have no idea.

[B]

You're a public figure.

[A]

This is what happens on the app. This app has been studied and it's just as bad on the guy side. There's a guy called like T for her now or something. Yeah, I've heard it's just as bad. People are being doxed. False information is being said. There are. There is a good intention behind it.

[B]

You can never be too safe in the dating world nowadays. So okay, I've also paid for backup.

[A]

What's the safety or concern about that?

[B]

They're pieces of like my ex safety.

[A]

You got. That's not safety.

[B]

Well, yeah, I mean like if there's something about him on the app, I always check the app. You can never be too safe.

[A]

There's so much literal, proven false information on there. But it goes unchecked.

[B]

Okay, but I'm not.

[A]

Because people are able to say anything they want without any moderation.

[B]

I'm not going to take what I see there and like take it like.

[A]

Completely literally what you just said you're doing. And that's what everyone also do. Like this is a bad app. This is bad for society. It is not a bad intention to keep people safe. That is not it. But. But it's dividing us even more. There is a massive gender divide in the dating world right now where it's just like enemies, victims and all this stuff in these over sensationalized stories about everyone and false information out there. It is crazy and you're adding to the divisiveness. It is bad for society. It is not bad that people want to be safe. But remember in all reports, even from the cdc, violence reported in romantic situations are equal upon men and women. Sexual violence among women is reported at a 30% higher rate. But you also have to remember men do not report sexual sexual violence. This is do not over victimize yourself and help destroy society while doing it. Sick. It's a bad app. It is bad for our culture. It is not bad that you want to be kept safe, but it is bad for our culture.

[B]

Whatever you say.

[A]

Disgusting.

[B]

Truthfully, it's not that big of a deal.

[A]

Like I don't, oh hey guys, if people get your careers ruined because of false information, not a big deal. What?

[B]

But if they do something they should.

[A]

Get get like I vibe with that. But again, there's been so many reported cases of false stories it's crazy.

[B]

I don't know. I like the safety I guess, I don't know. But either way, like none of the guys I've stated have been on there so it doesn't even matter.

[A]

It's perceived safety.

[B]

You're right. Fine, whatever you say.

[A]

And you're actually paying for it. You're supporting something that is adding more division. It's active right now. More division among society. Again, it is not about. It is a bad thing to be safe. It is not about that. I encourage that. The fact is it is non moderated so people can say anything. And there have already been so many reports of guys finding out things have been said about them that are vehemently incorrect that they cannot dispute. And people are going to lose jobs. People are not going to be accepted. It's going to show up in people's background reports and it's disgusting. And there's a massive gender divide in our dating world. Dating right now out is up and.

[B]

It is for women too.

[A]

For women too. Yes. I'm saying this. The app made on the other side is retaliation of that is equally up. It's up for everyone. But why add to the divisiveness? Again, because it's up on one side doesn't mean let's go be extra up. And if we keep doing that over and over again, it's just going to be bad for everybody. I'm lucky I have a girlfriend and we're looking forward to that future. Cuz good luck. It's crazy right now you are.

[B]

I don't like dating at all. But like it is what I have to do to make sure I'm safe.

[A]

I don't know perceived safe. I don't know what the you think's going to happen.

[B]

I mean it's not like I'm going to go if I see a guy that I'm dating go to their job and be like this guy sucks, fire him. Like I'm not going to do that. Like I just won't date him. That's it.

[A]

Okay. It's not about the concern for safety. This is bad for society pretty objectively.

[B]

I Actually didn't know that they were. Were false reporting.

[A]

What? The people can anonymously say anything. You don't think any false things come out of there? I just, I've had so many people say false things about me.

[B]

I have your public figure. It's so different. I just think that on this T app it's like, oh, he ghosted me or some stupid that nobody cares about. It's like, okay, like I don't want to be with somebody who's going to ghost somebody, so I'm not going to be with them. Like, it's not like, oh my God. He. Like, it's not the same thing.

[A]

Okay. I'm just saying if a place is unmoderated, that is bad for society because it's unchecked.

[B]

Checked.

[A]

It's unchecked. That's it.

[B]

Okay. I guess you make a lot of sense. And I actually didn't know that.

[A]

Now your picture is going to be online somewhere.

[B]

Goody. I mean, it does suck, but it is what it is.

[A]

So you can go post people's pictures anonymously without any verification whatsoever. And it sucks that your picture got.

[B]

I don't know if you're going to change my mind about this app. Like, I just think that it's an important app to have have when you're dating.

[A]

Like, good luck, everyone out there dating. You're never going to find anyone. This is getting worse and worse. Okay, after pay, this is what's interesting. You're trying to vet people like crazy. However, what we're learning here is you're only milking your family for money. You're incapable of being independent whatsoever. And no one will be able to find that information online. Oh wait, now they can. I think people need to be more concerned about going on a date with you.

[B]

It's okay. I'm not looking for anything serious, so it doesn't matter.

[A]

So you just. So you use the T app. She's okay. Great. All this makes what a sane dating world we live in right now. I'm so glad I'm out of it. Okay, after pay, you owe. That's okay. This is paid off every month. No, so just the statement I had.

[B]

Yeah, that's just like it's paying for. So like whenever I buy something, that's my criteria is like if it's over $100 and they offer afterpay or Clara, let's do pay in four. Cuz it's easier.

[A]

It's so stupid. I just don't get it. The number one YouTube membership just got upgraded three exclusive shows every day, Monday through Friday. Friday financial audit post shows exclusive and uncensored financial audit episodes. Our call in show hammer it out. Then take the train. And brand new shows fat and fatter. I would go off brand behind the audit. What? This was wild. Shop smart. And now upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite. The best membership on YouTube today. No fees, no past due. That's good. And you. Oh yeah. So you have to pay it all.

[B]

Yeah, you have to pay it all.

[A]

324.

[B]

It's 4.

[A]

It's no interest. But there are. If you don't pay, you have not pay.

[B]

Like right.

[A]

Of course we don't have an example from the last statement of when you never pay.

[B]

I don't like. That's principle.

[A]

Yeah, we'll see. But it's principle that's hurting yourself.

[B]

I guess I just don't like. I mean I pay it eventually when I get the money, but it's just like. It's like. That's a huge payment. It's a huge monthly payment.

[A]

It is. But you're spending. No, you're still spending money like crazy. What is this? So there's Sephora on here.

[B]

Oh yeah. Makeup is my thing.

[A]

I might have to bleep this. But what's Or India? Oh, that's ordina.

[B]

My jewelry.

[A]

Oh, then I do not have to bleep it. So jewelry poplush. Sephora Jewelry poplush. Little sleepy cell sleep. So it's all. So you think I have any sympathy that you struggle to afford to pay something? No. Look, you're spending all the money on that is 350 bucks just about that you spent that could have gone to something else. So you sympathy gone. That is your choice. Living under mommy, milking her cards.

[B]

Yeah, but that's paying for. So it's like less at a time.

[A]

Oh boy. Guys, report this on t on her. She's a save every guy out there. She'll drain your money.

[B]

The guys I've dated have not been wealthy themselves, so it's okay.

[A]

Your ex is a piece of. I'm not defending your ex. He cheated on you and he left for someone else and he's abandoned him, his kid. Your ex is a piece of. Just because I'm pooping on you for Also not being great in many areas is not me saying he's good. And just like me being against that app is not me saying that I don't support people trying to get safety. Okay. This is. It's the lack of nuance that we're able to have in conversations.

[B]

What would you do to do like a background check? Like a normal bank background check on, like, for dating? Or like. Because that's still pretty invasive. Like, either way, it's less about that.

[A]

Again, it's. It's not about the desire for safety. It's the action of the app and the consequences that is being had from it. I hope you understand.

[B]

I do. I just never really thought about it.

[A]

And you're supporting that system, Quicksilver. So what's going on with the Quicksilver card? Is this paid off every month?

[B]

That was the intent when I opened it.

[A]

Of course it was. Well, it's maxed out just about $1,830. The minimum monthly payment of $25. 13 years to pay this one off. If you don't purchase. Oh, she purchases $3,204 to be exact. In the last month. Ass. You don't even know how much you purchased.

[B]

But that's over the limit. How's that even possible?

[A]

Because you put a payment towards it to begin with. In. Towards. In the month. But it brought it up. You just brought it down to the max. That's all you did. What did she do? Laser away, flints. Mr. Brooklyn. Thought you hated it. Area 52.

[B]

Oh.

[A]

Also thought you hated that you talk trash about Nevada and New York. So whatever. Sorcerer, Charlotte, North Carolina. It's all TikTok shop. $353. TikTok shop, $31. TikTok shop, $42.69. What is wrong with you? What are you getting?

[B]

Wait, how much on TikTok Shop total?

[A]

Total about 210 or 410. What the is wrong with you? How do you not know that?

[B]

I did not realize I spent. Oh, yeah, show me.

[A]

Pull up your TikTok Shop. Show me your purchases. What the are we doing? And then cot. Whatever that is. $703. What's that?

[B]

Cot?

[A]

That's probably short for something.

[B]

How much?

[A]

$703.59. You don't know what that is?

[B]

That might have been a hotel for my situationship at the time.

[A]

Huh? Tell me what the does that mean? Tell me. Tell me. Yeah, so you're out there just sucking, aren't you? We support it. We support it. We embrace it. We support it.

[B]

He was.

[A]

We're not advocating against that.

[B]

He was the guy I was dating for like four months until he ghosted me. But that's besides the point. Yeah, but he, like we were exclusive at the time and he also lives.

[A]

You went into debt for that.

[B]

He also lives at home, so we don't have a. We didn't have a place to be alone, so I would.

[A]

Oh, it's almost like you're 34 years old living at home. How old is this guy?

[B]

31. He's 31.

[A]

Okay, so it's just a bunch of failures.

[B]

Yeah, a little bit.

[A]

Clapping cheeks. Okay. Failures. Gotta clap cheeks too.

[B]

I mean, you gotta do what you gotta do to. To like have fun, but. Yeah, I. Yeah, I'm pretty sure that was a hotel.

[A]

Are you just out there like, just like. Are you looking up like wild?

[B]

I wouldn't say wild, but how frequently? That's a personal question.

[A]

Damn is. And I want to know.

[B]

That's a personal question you don't want to answer. I mean, so he. I wasn't looking for anything serious with. And then he came over.

[A]

I know you're diddling. How often you go not out there now.

[B]

I mean like weekly. Sure.

[A]

Hey. Okay.

[B]

Sometimes they're repeats. Some. I have a friends with benefits.

[A]

Well, dude, look at her.

[B]

I have zero emotional connection to that guy. Like I don't even.

[A]

Yeah, it's friends with benefits.

[B]

He's just well done.

[A]

No, I support you. I'm glad you're at least getting out there and living.

[B]

It's a fun time. Yeah, yeah, yeah, yeah, it's a fun time. But yeah, with this guy. Like, I wasn't looking for anything serious. But then we started like, we. We liked each other like a lot.

[A]

I'll get pregnant. Show me your tik tok.

[B]

No way.

[A]

Afford it.

[B]

I'm okay.

[A]

Yeah, you were. You were not happy that he ghosted you, were you? But I'm sure you've ghosted some people. Come on.

[B]

No. Well, yes, actually I have. But not after four months of dating. Like that was.

[A]

Yeah, that is. That's. It sucks. It sucks.

[B]

I think that hurt more than my divorce. I literally like needed therapy.

[A]

Cuz it was more fresh probably.

[B]

No, like was a lot.

[A]

But you saw that the. At the divorce. You saw that coming for like a year. Yeah, the ghost. The ghost hits like that.

[B]

Yeah, it was like literally a go.

[A]

Like he ghost hurts.

[B]

Texted me the day before. We had plans that weekend. I actually bought an Airbnb for us and he ghosted me. And like the Airbnb went to waste.

[A]

Yeah, you went into way too much debt for this failure.

[B]

But yeah, it was.

[A]

So we got some makeup, some lifting Thing, I think some deodorant, some hair. Yeah, you got hair. So like a hair clip, whatever you got clip. It doesn't look like a clip, but a dress. We got a dress off as Tik Tok Shop.

[B]

They're really good. They're like. They're actually.

[A]

I'm glad you don't make any money.

[B]

Okay, so here's the thing about Tik Tok Shop.

[A]

She has to look good for her daily date. Hey, I'm not criticizing. Get out there and goon. Goon away. Dude, I was a prime gunner before I was in a relationship. I was goonard.

[B]

I never got to do this. Okay. So like I was with this guy.

[A]

Make sure your micro influencer doesn't become like big influencer because oh boy, they will come for you, I'll tell you that.

[B]

Oh God. But so with TikTok Shop, I actually do make money off of it slightly. It's not a lot.

[A]

Sure. But you're spending in just that card alone where interest is agreeing at 30%, which you can't pay. $410. Okay. You got some. Some hair. Got some hair. I think some hair. More makeup stuff. You got a washed shirt refund issued for something Tango bird item?

[B]

I don't.

[A]

The pictures are really small. Some clothing, some pumpkin boots, slippers.

[B]

Yeah, I love Halloween.

[A]

I guess it's coming up in a.

[B]

Couple months because I'm trying to promote those slippers so I can make my commission. People are buying things for Halloween now.

[A]

Okay. Lots of just things to go on. The face and hair and then clothes. This is. This is crazy, man. This is just so much. It's all to be very clear.

[B]

It's all Tik Tok Shop. What are you going to buy that's.

[A]

Not a waste measurer?

[B]

Oh yeah. I wanted to see my measurements.

[A]

Okay. Oh, to see your measurements. Okay, good. But it's not tracking. Okay, good, good, good. Gotcha. Okay. Yeah. This is a bunch of bull, to be honest. Bunch of. I don't know, dude.

[B]

But I. I do them as a.

[A]

Part of this conversation is a bit of a concern. Cuz you're in the messy part of a life.

[B]

Yeah, I'm kind of going crazy, I think.

[A]

Yes. And I see that. And essen I always go. But looney after like a ghost or a breakup or something. I get it. I get very emotional. I'm an emotional person and I'm very gooning in between for sure. So I get that. But I think your head is in a bad place more than just money, right? Oh, owed to Mom. 7,000 hours. What? What is this?

[B]

So she has. She has a credit card that I'm also an on. Okay. This was not me.

[A]

You're a child.

[B]

It was not me. It was literally not me. So two years ago, my ex husband, so he traveled a lot for work and I gave him the card. He went to Israel. It was right before, like, things got really bad there.

[A]

Cancel her. So that's the worst thing a micro influencer could do.

[B]

Yeah, he was like a newborn at the time. But he kept saying, oh, it was for him. It was for him. And I'm like, that was not our credit card to use. It was racked up to $13,000. But she. But she had her own minimum on this.

[A]

Are you paying it?

[B]

I'm not.

[A]

No.

[B]

I feel like I owe her that.

[A]

Yeah, you owe her for that. What is the minimum on it?

[B]

I don't know because, I mean, she's paid it down since then. It's about at.

[A]

Dude, your mom. You're making your mother go work more than you work, by the way, just to pay for your ex husband who cheated on you, who bought gold for a zero year old. What are we doing? Wait, your mom has given it to you to buy a new computer because you keep complaining. Oh, you were an infant. I haven't gotten that kind of treatment since at least 21. 22 years old.

[B]

Yes.

[A]

Like, what? You are being treated as a college student who's trying to figure out their way, like, what are we doing? You are you. This is disgusting. This is disgusting. This is disgusting. As a 34 year old, you need to know, and I know your entire brain is on what we suck in that night. I get it. That's fine. I. My brain was on that nine months ago as well. Not sucking. We're not against it. Well, I'm against it. Fuck. Okay, hold on. It doesn't matter. It doesn't matter in terms of what flaps I would. Okay.

[B]

Oh, my God.

[A]

I get it. I'm trying to say I understand the mindset you're in right now, but come on. This doesn't mean you need to be infantile in every way whatsoever. Why should mommy be buying you a new computer when you have two? Set up your MacBook Pro as your main guy with a monitor.

[B]

I like the imac, but my imac doesn't have enough memory. So my plan is like. It's a.

[A]

To get a new imac?

[B]

Yes.

[A]

The imacs aren't even close to the best Macs out there.

[B]

No. Well, I mean, I Spoke to Apple and they were like, yeah, that's probably the best.

[A]

You shut the up. You spoke to Apple. I. Come on, Listen, I'm obsessed with Apple products. I'm a little Apple Gooner, okay? No, they don't. Don't set up your MacBook Pro with a monitor. Get a keyboard mouse. So much cheaper. You'll be fine.

[B]

I mean, if that's the case, I'll just keep the imac I have. It's just I spend more time deleting files because it's running out of memory. Like, I do a lot of video editing.

[A]

Storage. Not even memory. You're talking storage?

[B]

No, because even the external hard drive I have is a 2 terabyte, and that's, like, not running out of memory, but it's like the main.

[A]

You don't know what memory is. You're. Yeah, you're.

[B]

Okay, fine. Storage, whatever. I don't care.

[A]

External storage, sure. So it doesn't have enough space.

[B]

Correct.

[A]

Larger one.

[B]

No, no, no. My external one has enough space, but it still keeps making me delete files from the computer. And I'm like, I can't delete any more files. Like, there's, like, nothing else to delete. And now it won't even update software.

[A]

She probably bought a MacBook Pro with 500 gigs of storage.

[B]

Yeah, I want to get a. Like, a two terabyte iMac. That's my goal. So it's like $3,000.

[A]

That mom would pay for. You're a child.

[B]

The goal is to pay off the Apple card.

[A]

You're a child. Spend less time on Tinder, more time on LinkedIn, go get a job.

[B]

You know, Facebook dating has been Facebook dating.

[A]

Oh, you're a boomer.

[B]

Yeah, it does feel like a movie.

[A]

You're only four years older than me, but you're full. Booming.

[B]

Yeah, no, it's a lot better than Tinder and Hinge for me, anyway.

[A]

So weird. So weird, man. Okay, what is this? What is. Owing $1,118 on. What does this account? That Citizen Bank.

[B]

Oh, that's Apple Loan. That's my iPhone. One of them.

[A]

Don't tell me you have a business phone.

[B]

Okay, but.

[A]

You dumb.

[B]

I.

[A]

You dumb. Don't tell me you have a business.

[B]

It's not my fault because it's your fault. We had a. We had. My ex and I. Of course. Yeah.

[A]

Always the ex and I.

[B]

Okay. Because he also had an iPhone loan. We both had it together. Like, we had. Well, we had separate ones, but we both. There were three. There were two phones. And he's like, I want the little phone that you have as your business phone now. So please give me that one and we'll get another one for your business phone.

[A]

What are you talking about? Dude, I run a multimillion dollar business. I have one iPhone, and it's cracked to. What are we talking about?

[B]

Yes, but you don't have to post on Instagram for 15 clients. And I need 15 accounts.

[A]

What do you think we do here?

[B]

15 different clients, huh? 15?

[A]

Brandon thinks.

[B]

That'S mean.

[A]

He'll tell you in the post show. He'll tell you to your face mean. It's because it's the most insane thing. You don't think we do. I do social media.

[B]

I know, but you don't do it for 15 different clients. I have to like.

[A]

No, but we do. The amount you do for 15 clients on one account.

[B]

Probably, yes, but you don't have to. To log into 15 different accounts, buddy.

[A]

It'S tapping two buttons. I have multiple accounts on Instagram. We have the Hammer squad, We have me, and we're probably starting some more. I know what it takes to switch accounts. Do you think I am nine and getting my first phone?

[B]

There's a limit as to how many you can have on one phone.

[A]

Also, by the way, on the computer, you can log into all and do most things from there anyway.

[B]

I need that for me. And also you.

[A]

Hey, one of the iPhones, $1,181.50 owing $69.50. 50 cents a month. Okay, so this other iPhone's at $486.50?

[B]

Sure.

[A]

Okay, wonderful. It's a very weird conversation.

[B]

So, yeah, that's part of the iPhone upgrade program. So when the new iPhones come out, I just.

[A]

He's a handsome guy, Brandon. You're a handsome guy. I tell you, he's a handsome guy.

[B]

Yeah, I used to, like, not. Not be into him until you brought him more on the Pokemon show. Yes, I also have Hammer. I have Hammer Elite now, actually.

[A]

Well, at least you got it for free last month, right?

[B]

Yeah, I did.

[A]

Oh, good. Student loans for what? $78,754. For what?

[B]

I have a master's. In what? Music education.

[A]

You're one of me.

[B]

I am?

[A]

You are.

[B]

Oh, the goal is to be a professor. Professor.

[A]

Well, yeah, but you got to go all the way for that.

[B]

Yeah, I didn't like after teaching, especially when I moved to California. Teaching in California, that made me want to stop teaching.

[A]

Yeah, but college students are better.

[B]

They are, but yeah, I got out of teaching. Right before COVID I don't know. I just.

[A]

I would have killed myself if you were my professor.

[B]

Why? I'm the best. My students loved me. I taught middle school, though.

[A]

How many of them did you groom?

[B]

Oh, my God. Don't say things like that. For real. Real. Don't say things like that.

[A]

I'm kidding. I'm kidding.

[B]

But also, like, we still talk. Not to this day. Like, we. They're grown now. The. The youngest ones are like 20 something. Like, I'm old. Like, I've been. I was teaching. I started teaching when I was 22. So, like 12 years.

[A]

Does that math work for middle schoolers?

[B]

Yeah, 12 years. They're like, they're 20 something now. One's in law school. Like, we keep in touch. It's cool.

[A]

Keep in touch.

[B]

They're girls. Like, we're homies.

[A]

Like, what are you against the tits?

[B]

No, I'm not. But like.

[A]

No, I was gonna say every woman I know is bi in this world. There's not a woman that is not bi. I swear.

[B]

I can appreciate that, but there were my students. That's a very weird conversation. This is turning weird. Go back.

[A]

Okay, I'm just going off of what you're saying, dude.

[B]

So, yeah, student loans for a master's.

[A]

Degree in music education. Now you're a failure at home. This is. See, I went in originally for music education. These are the two paths. Apparently. There's probably another path. Maybe you just become a music teacher. But these are the extra two paths. I'm glad I'm on this side and not this side because. Whoa. Who to be a. You know, ride the wrath from Cuba for this.

[B]

Oh, my God. My parents came legally.

[A]

Well, we. We embrace everyone who comes from Cuba. Right. Because it's one of those countries that we just.

[B]

Anymore.

[A]

Not anymore.

[B]

Wetford, Dryfoot doesn't exist.

[A]

Okay.

[B]

I don't think.

[A]

I don't know.

[B]

I could be wrong.

[A]

Not my thing. $78,754.95. They're in forbearance. Why?

[B]

Because of the laws. I know that's you done now. No. You talk about that a lot on the show. And I am always like, oh, my God, what is he going to tell me? So, yeah, no, there I have like a letter from them saying it's in forbearance. Like, no. Zero clue.

[A]

But I know that because starting off now, I know they were starting to get garnished.

[B]

I have not gotten notifications.

[A]

Listen, you can get on the new repayment plan. New low income Repayment plan through the bill into law. The big beautiful bill. That one. I don't think it's officially called that, but that's what we all know it as. But yeah, as small as I think 5% of your income, which isn't bad. You can get on that.

[B]

Can I?

[A]

Because like well, you make nothing. So yes, you should you be able to. Able to? No, because I say we should force her to go work because we're enabling her.

[B]

Yeah, because I was expecting her hobby. Monthly payments.

[A]

I'm okay with you having a low payment if you have a low paying job. You're just refusing to get a job in your hobby. And then we're going to support that. Great. Okay. $320 in this checking account. Yeah. Your normal payment would probably be like 800.

[B]

That's what I was expecting.

[A]

It was your choice to get a master's degree in business. I mean that's what you chose to do. I don't know.

[B]

I know it was dumb.

[A]

Google G Suite. Google one one. Spill the taco. Okay. Some too crazy. More. Tik Tok Shop. Tik Tok Shop. Tick tock shop. $113 in this apple bill. Apple Bill. Zel payment. Apple bill. Old Navy. Old Navy, Apple bill. Fandango Clark Liquor.

[B]

I'd have to drink every night for my situationship.

[A]

Oh my God, why he needed to be drugged to.

[B]

Hey. No, but we had a good time.

[A]

Just asking.

[B]

We had a good time.

[A]

Oh shit, you did. Now you're finding 20 year olds for it.

[B]

It's not that big of a difference. He was 31.

[A]

Huh?

[B]

He was. What do you mean?

[A]

Well, no, sorry, I just don't know what you mean. I was making a joke and then you're like I don't know, ATM, $200, Apple bill, Nespresso. I mean I what any consulting adult does. I don't know why we over police online. It's so confusing. Espresso, Bula Gables, Stan Tor Total. It just works. Melees, Sp Vora, Colorado, Appleville. It's so much you got. Well, this isn't our YouTube membership because it's only. Yeah, okay, so you have a different one as well.

[B]

Wait, if it's Patreon, it's something else. But.

[A]

Well there's a Patreon as well. But that's not our Google membership because again. Hammer elites. 10 bucks.

[B]

Oh, because that was. Yeah, that was me.

[A]

That was before he started at the bottom tier.

[B]

I've been watching the post show for a while.

[A]

Zala and out movie money. Tik Tok shop. Tik tok shop. Tik tok shops. Grow therapy. Klarna. Airbnb.

[B]

That's therap therapy.

[A]

Airbnb? Yeah. Columbus, Ohio.

[B]

What?

[A]

You went to Columbus to take some.

[B]

That was Clara for the Airbnb.

[A]

What is Clara based out of Columbus? Maybe.

[B]

Yeah, that's.

[A]

And then Airbnb. Okay good. Cuz Ohio. Not. That's not the. For women are the. The world. Women of the world.

[B]

I've never been to Ohio, but whatever. Like the options aren't great here. Let me tell you. I changed my location on hinge to here, so. But it wasn't.

[A]

It's not trying to find Brandon.

[B]

It's not. I'm not gonna lie. That crossed my mind.

[A]

But okay. Brandon, she wants you. She literally wants you. This predator wants you.

[B]

Oh my God.

[A]

You're not unattractive. I don't think you're Brandon's type. Brandon like, likes lots of makeup, endless lip filler, the fakest boobs and bbls you've ever seen.

[B]

Lip filler and oh, you're almost there.

[A]

You got fake boobs.

[B]

No, I don't.

[A]

He likes.

[B]

I don't. I don't need fake boobs.

[A]

But okay now he prefers them fake. Regardless. The faker the better. Okay. $7,000 in this retirement account. Certainly definitely behind for your age. 3000 hours gone down from $4200 in the savings account. That's disgusting. Was selling out money. So the savings going down to zero. And that's the leftover from the house. House. Right. Then 670 in this crypto account. Okay.

[B]

That was a TH000.

[A]

Brandon said you're not ugly.

[B]

Yay. Thanks.

[A]

So what. While we're going and getting a budget, what is your intent here? What do you want me to do? Because how. How am I budgeting off of $0? What can I do?

[B]

I mean. Yeah, this was my concern too coming here.

[A]

Let me help you with something. What are we trying to do?

[B]

The hope is is like that I can actually make the business work. Even if it means not having contractors for time being unless I absolutely need them.

[A]

Well, your minimum monthly payments on things is approximately like $950 alone. And if you're bringing the $2,500 with no overhead, you can. How does the grocery and utility situation work at home?

[B]

My mom literally does everything.

[A]

Of course. You are a child. Listen. But that gives you more flexibility. Thank you. To do the business that gives you more flexibility. All you need is $1,000 to make your minimum payments. Other than that you need nothing. Gas from Drive Drive.

[B]

50 bucks a month. Yeah, I barely go anywhere.

[A]

You need a thousand hours to survive. So what is the struggle with the business? Get back in there, start clicking and editing. What? What are you struggling with? What, what what? What is the issue?

[B]

I'm just like I work. I'm telling you, I work 247 already.

[A]

Then can I give you actual advice? This is the actual advice I would give you. And you just won't like it because it's nothing and you came in for a specific answer or around round. What I would recommend is what I already said. Continue this on the side. Make sure you get into a position where you can do some competing or where there's not a non compete with this. Go work for an online marketing agency. Use your skills, leverage them that you've built this into something that does generate revenue. For what it's worth, it is a little more than a hobby. I was discarding it earlier but it's not a successful business. But go that you've done this and built this. Leverage those skills. Go work in a marketing agency. Do a couple years boots on the ground. Pick up as much much as you can. Make sure you do this on the side and then pursue it again if you want to. But you got to pay off the debt before you do that. You have to have a 12 month emergency fund before you do that because you have risk over your head while doing this business. Luckily mommy is there to save you and grandma is there to save you. But besides that, you just need to go get a job and build up these skills. This business is not a success in two years. Six years of this is. This is not good. So that's what I would recommend. You need at least a thousand hours to make your minimum payments. We got that. Okay. And listen, you need to pay off the other things like crazy student loans. You need to get on a payment plan eventually. Mom, yes, I would take care of that. But it isn't the highest of priorities. But I would tell her that you want to at least pay it back even more. Even if she pays it off, you want to give her some more to make up for it. But that's what I do. Go get boots on the ground. Go get experience and then try to build their business on the side. This is not working. The only reason you're allowed to do is because mommy and daddy or mom take care of you and dad did. Okay. That's what I recommend. All right. Hammer Financial score. Join us in the post show. I'm gonna call her ex husband. I also think I'm gonna look through the text of the guy that ghosted her as well. Lots. This is gonna be a gooney post show and then Brandon confront her as well. So many things. So join Hammer Leave below. Let's get her Hammer Financial Score Spending in a budget overspend 0 out of 10 debt I was there a collection the family debts really bad behind on the affirm but technically no collections or IRS debt. So I'll give you a 1 out of 10 emergency fund. It's going down but you're at about a 2 out of 10 at the 2000 retirement. Definitely behind for our age dramatically at least you got something there about a 2 out of 10 real estate 0 out of 10 because you are not on the title or deed of that house right now. Yeah okay. It's going to be a hammer Financial Score 1 out of 10 Join Hammer Elite below. Best Membership on YouTube 3 premium shows posted today, Monday through Friday. Join us for the post show. This is going to be a good one. Hi. I just. I honestly just wanted to ask you a candid question. Why did you cheat on who is this? My name is Caleb. Caleb. Okay. Can I help you with something Caleb? Well, I've just personally never had a child and then someone else when someone just gave birth to my child. Oh my God. Elusive Members Content Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.