Pampered Princess Thinks Poverty Is Easy | Financial Audit

Summary

---

Financial Audit – "Pampered Princess Thinks Poverty Is Easy"

Host: Caleb Hammer

Guest: Iris (25, Restaurant Manager/Grad Student)

Release Date: March 18, 2026

---

Episode Overview

In this episode of Financial Audit, host Caleb Hammer dives into the financial life of Iris, a 25-year-old restaurant manager and graduate student from Charleston, SC. The discussion focuses on Iris's struggles with overspending, debt, and difficulty transitioning from a privileged upbringing to financial independence. The episode explores how social media, parental enablement, and personal definitions of "needs" versus "wants" have contributed to her current financial situation, along with the implications on her relationships and future plans.

---

Key Discussion Points & Insights

Iris's Background and Lifestyle (02:07–06:37)

• Iris is 25, works as a restaurant manager at a resort in Charleston, SC, recently switched jobs with a new salary around $60,000.
• Grew up without financial worries; parents paid most expenses through 23, continuing to cover car and phone bills.
• Moved from Chicago to Charleston after a breakup, seeking independence, but struggles to balance adult responsibilities and prior lifestyle.

Notable quotes:

"I grew up just very much, I never really had to think about money or worry about money growing up." – Iris (05:29)
"If that's where your worldview's at, we're already starting on the wrong foot when you go into adulthood." – Caleb (05:16)

Social Media's Impact & Financial FOMO (09:58–11:08)

• Iris admits her perceptions of financial normality have been shaped by social media.
• She acknowledges deleting apps to avoid comparison and spending but struggles with discipline.

Notable quotes:

"Everyone I was seeing was on social media and was traveling...it was a direct correlation to me wanting to spend money that I didn't have." – Iris (10:38)
"You can want to spend money and say no. You can have discipline." – Caleb (11:08)

Parental Enablement & Deflection of Responsibility (12:19–17:53)

• Iris’s parents still pay for her car and phone, but want her to pay off debt before taking on those payments herself.
• She's aware this support is delaying her independence but has difficulty breaking old habits.

Notable quotes:

"You're a spoiled princess...you're still getting enabled." – Caleb (13:48)
"I actually reached out [to my parents] and I was like, hey, I kind of want to start building my independence..." – Iris (16:20)

Debt Situation Breakdown (16:36–17:22, 32:10–34:00, 59:55–70:27)

• Total bad (consumer) debt: ~$17,200 (credit cards, personal loan), student loans approaching $70,000.
• Regularly spends more than her income, often $1,000+ monthly eating out, impulse purchases, and travel—much on credit.
• Past attempts at debt consolidation didn't address the root spending issue.

Notable quotes:

"If you consolidated this almost 14% loan, built all our debt back up because we didn't change your behavior, then you haven't done anything. What the f*** are we doing?" – Caleb (40:01)
"I have a certain standard of living I wasn't willing to give up yet." – Iris (32:40)

Budget Breakdown and Spending Habits (34:33–36:07, 92:22–97:18)

• Minimum monthly payments on debt: ~$714 (excl. student loans)
• Rent: $858 (with roommates)
• Utilities, gas, food, subscriptions, and a surprisingly high $403 for medical (chiropractic, etc).
• Still puts hundreds into nonessential categories: hair, nails, energy drinks, concerts, "collectibles," etc.

Notable quotes:

"You spent a thousand dollars on going out to eat last month...there is no was. There only is and still is and forever will be unless you actually look at what you're spending." – Caleb (35:30)

Identity, Vanity, and Definitions of Survival (18:08–23:08)

• Iris views beauty maintenance (hair, nails, makeup) as essential to her identity and (emotionally) on par with food, shelter.
• Caleb pushes back, emphasizing survival budget priorities.

Notable quotes:

"The way that I look, my hair, my nails, all of those things, they are a huge part of my identity." – Iris (19:32) "Not having an emergency fund is an emergency." – Caleb (19:43) "My emergency is when my nails don't get done." – Iris (19:58)

Financial Illiteracy and Rationalizations (51:44–53:59, 71:19–75:22)

• Uses rules like "if it's over $50 and not in checking, put it on credit"—a habit with no logic or long-term plan.
• Purchases luxury items (MacBook Pro, collectibles, travel) far exceeding her needs or means.

Notable Quotes:

"That was just my rule...if I didn't have the money in my account and it was over $50, I just put it on a credit card and I didn't think about it." – Iris (51:52) "Girl doesn't mean that doesn't make sense. That's not how this works mathematically." – Caleb on Iris’s collectible spending (73:58)

Relationship Impact—The Boyfriend Call (37:26–47:12)

• Iris's partner was shocked by her true debt and spending after she finally opened up.
• He recognized the risk of her family’s financial enablement being transferred to him if they married.
• Caleb admonishes both that true change is about following budgets, not just making them.

Notable quotes:

"We haven't really talked about the whole being a parachute type thing...but it's frightening." – Boyfriend (46:14) "Right now this is beyond unacceptable." – Caleb (47:37)

Career & Future Earning Issues (78:14–85:13)

• Iris is getting a master's in elementary education (approx. $8,000/year tuition, student loans increasing).
• Starting salaries in her field (Charleston, SC): ~$50,000–$58,000, representing a pay cut compared to her current income.

Notable quotes:

"You're taking a step down, and you're already overliving your $60,000...what world is this happening?" – Caleb (84:01) "The idea of paying my student loans back actually makes me sick to my stomach." – Iris (80:47)

Minimum Survival Budget & Path Forward (92:22–97:18)

• Strict budget—Only $50/month feasible for fun until debts reduced.
• At current rates (assuming no backsliding), Iris could be debt-free in roughly three years (excluding student loans).
• Caleb stresses the importance of accelerating debt payoff before student loan repayments begin.

---

Notable Quotes & Memorable Moments

| Timestamp | Speaker | Quote | |-------------|---------|-----------------------------------------------------------------------------------------| | 05:29 | Iris | "I grew up just very much, I never really had to think about money or worry about money growing up." | | 09:58 | Iris | "I just decided, you know, I'm just gonna live my life." | | 11:08 | Caleb | "You can want to spend money and say no. You can have discipline." | | 13:48 | Caleb | "Yeah. You're a spoiled princess. No, you're still getting enabled." | | 19:58 | Iris | "My emergency is when my nails don't get done." | | 32:40 | Iris | "I have a certain standard of living I wasn't willing to give up yet." | | 35:30 | Caleb | "You spent a thousand dollars on going out to eat last month...There is no 'was.' There only is and still is..." | | 46:14 | Boyfriend | "It's frightening." | | 66:07 | Caleb | "Literally the worst coffee you can get outside of 7:11. What are you doing?" | | 71:19 | Iris | "I collect two things. I collect swords..." | | 78:44 | Caleb | "You're a browser user. You're a browser." | | 80:47 | Iris | "The idea of paying my student loans back actually makes me sick to my stomach." | | 84:01 | Caleb | "You're taking a step down, and you're already overliving your $60,000...what world is this happening?" |

---

Budget, Debt Totals, and Future Plan (92:22–97:18)

• Income (net after 401k): $3,400/month
• Fixed Expenses (including debt minimums): ~$2,750
• Extra for debts/savings (after budgeted essentials/fun): ~$600/month
• Total "bad" (consumer) debt: $17,204.51
• Student loans (incurred by grad school’s end): Estimated $60,000–$70,000
• Proposed debt-free timeline: About 3 years, if budget holds and spending curbed.

---

Caleb's Final Assessment & Hammer Financial Score (97:46–98:22)

• Spending in a budget: 0/10
• Debt: 2/10
• Emergency fund: 0/10
• Retirement: 0/10 ("$700 is not enough to count")
• Real Estate: 0/10
• Overall Hammer Score: 0.5/10

---

Takeaways

• Behavioral change versus awareness: Acknowledging an issue isn’t the same as taking concrete action—budgeting succeeds only with discipline.
• Enablement as a double-edged sword: Parental support delayed Iris’s development of key life and money management skills.
• Relationship risk: Financial irresponsibility doesn’t just impact the individual; it stresses and can derail romantic partnerships.
• Social/media-fueled FOMO: Comparing oneself to others (often artificially on social media) can be a major driver of overspending.
• Defining “needs” versus “wants”: Self-care is important, but financial survival means prioritizing essentials over vanity unless/until one’s budget allows.

---

Summary Table – Iris's Financial Audit

| Category | Details | |------------------|---------------------------------------------------------| | Age | 25 | | Location | Charleston, SC | | Occupation | Restaurant Manager, Grad Student | | Take-home Pay | ~$3,400/month (after 401k) | | Debt | ~$17,200 (consumer) + $60,000–$70,000 (student loans) | | Rent/Utilities | ~$988/month (with roommates) | | Parental Help | Car + phone + frequent bailouts | | Notable Spending | $1,000+ month eating out, travel, beauty, "collectibles"| | Budget Adherence | Poor—budgets made, but not followed | | Relationship | Boyfriend uneasy—avoidant of being her "new parent" | | Projected Debt-Free Date | ~3 years (excluding student loans, if budget followed) |

---

Conclusion

Iris’s audit is a cautionary tale of how privilege without accountability leads to financial setbacks, even if income is decent for the local area. Identity and lifestyle inflation, enabled by parents and culturally reinforced by social media, have created a precarious situation threatening her relationships and future stability. For actual change, self-discipline and a willingness to redefine what is truly essential are non-negotiable.

---

For more detailed analysis and the post-show call with Iris’s parents, visit the full episode on YouTube.

Transcript

[A]

So good, so good, so good.

[B]

Spring styles are at Nordstrom Rack stores now and they're up to 60% off. Stock up and save on Rag and

[A]

Bone, Madewell, Vince, All Saints and more of your favorites. How did I not know Rack has Adidas? Why do we rack for the hottest? Still just so many good brands. Join the Nordy Club to unlock exclusive discounts. Shop new arrivals first and more. Plus buy online and pick up at your favorite Rack store for free. Great brands, great prices.

[B]

That's why you rack.

[A]

Score more with the College branded Venmo Debit card and earn up to 5% cash back with Venmo Stash. Got paid back with the Venmo Debit card you can instantly access your balance and spend on what you want like game day snacks, gear, tickets and more. The more you do, the more cash back you can earn. Plus there's no monthly fee or minimum balance. Sign up [e-mail] collegecard the Venmo Mastercard is issued by the Bancorp Bank NA Select Schools available Venmo Stash terms and exclusions apply at venmo me stashterms max $100 cash back per month to watch

[B]

episodes of Financial Audit a week earlier, check us out on YouTube.

[A]

I have grown up very used to a certain kind of lifestyle. Everyone I was seeing was on social media and was traveling.

[B]

I thought we kind of all understood that on Instagram. When we look at Instagram, we know Instagram's not real life.

[A]

My hair, my nails, all of those things, they all are a part of a huge part of my identity.

[B]

It's not survival. Maybe for you, not having an emergency fund is an emergency.

[A]

My emergency is when my nails don't get done.

[B]

Dollar Wise is finally here, sending waves through the personal finance world. This is officially now the best budgeting app on the market and I'm giving you a special deal to download but only through March 31st. Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. And with the annual you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and meal directly to you. After March 31st the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise' start your free trial. Go to Dollarwise.com or click the link below.

[A]

Hi, I'm Iris. I'm 25 years old I'm from Charleston, South Carolina and this is financial audit.

[B]

Thanks for coming to Austin. What do you do for a living in in Charleston?

[A]

I am a restaurant manager out there. Cool.

[B]

What kind of restaurant are you managing?

[A]

It's a resort restaurant. So all kinds of resort.

[B]

Is a touristy type town. Love it. It's definitely one of my favorite cities for sure that I've been to. How much you making being a restaurant manager?

[A]

So I actually just switched jobs. So I work two.

[B]

Restaurant manager.

[A]

No, so I was a restaurant manager at one restaurant and I just moved restaurants. So prior to this new job, I haven't gotten payroll from it yet. However I was.

[B]

Well, you should know your pay. You accepted the job.

[A]

I did, but I haven't gotten it.

[B]

But you should know your pay.

[A]

You accepted the job previously it was 1553.

[B]

Yeah, but is it the same pay?

[A]

No. So I did get away with.

[B]

So previous. Doesn't matter. So now what's the offer that you accepted?

[A]

So the offer now is on a bi weekly basis. 23, 2,300.

[B]

That's the salary?

[A]

Yeah. So it's 60.

[B]

Is it salary or is it.

[A]

It's salary. It's 60,000.

[B]

60,000 a year?

[A]

Yes. I was making 52 prior to when I started this new job.

[B]

Okay, so 60,000 a year, I think call it after, you know everything. Let's call it 45 net. Maybe just about. So I'm thinking about $3,750 a month net. Does that sound about right?

[A]

Yes. Prior to any kind of 401k contributions? That would be correct.

[B]

Uh huh. Okay, good. Now Charleston, I mean South Carolina is not one of the more expensive states in the country. Charleston, I actually don't really know for sure. How you doing? 37. Well, I mean you haven't had that amount hit yet, but how you doing there? I'm okay.

[A]

I live with two roommates. It's the only way that I can kind of offset the cost. The cost of living out there is

[B]

rent brutally expensive in Charleston.

[A]

Yeah, for the most part. It's not fun.

[B]

Not fun? No. Well, it's not fun. What are you struggling with?

[A]

It's just expensive to live anywhere without having any kind of roommate anywhere.

[B]

I mean that's not 100% true. And you can budget and I mean even at the max, I wouldn't want you to push to 40% net. But I mean you could, as long as you're budgeting everything properly, you could. The key word there, you could do 1500.

[A]

The key word there obviously.

[B]

But Saying that no one can do. It's a lot.

[A]

It's just hard.

[B]

Okay, well, I mean, what's the hard part to you? You just don't want a budget or.

[A]

No, it's not that I don't want to budget. I have grown up very used to a certain kind of lifestyle, and it's.

[B]

What's the lifestyle? What do you. Okay, I could see spoiled white girl. I could see. I could see that. Was that your past, Spoiled white girl?

[A]

Yeah, kinda. I'm the youngest in my family, so I am. I'm the baby. I'm very much just like family is always.

[B]

I'm the baby. Well, you're 25. I mean, you're not a baby you can't lean on.

[A]

I'm the family.

[B]

If that's where your worldview's at, though, we're already starting on the wrong foot when you go into adulthood. I mean. Okay, how would you say that is impacting you if that's such a big part of your everything?

[A]

I grew up just very much. I never really had to think about money or worry about money growing up.

[B]

So you're a child.

[A]

I would hope not going into adulthood. I didn't.

[B]

Why Wait? Listen, it's rare for parents to do a whole budgeting trick with their kids or, like, taking taxes or making them budget from their allowance. I mean, most of us grow up without having to know anything about money, unless the household's in really bad financial situations, and then you kind of start seeing that. But if you're doing well, I mean. Yeah, you're a child. I don't think they're sitting you down for the budget conversations.

[A]

No, they. They didn't really. Not until.

[B]

No, I'm saying no one does. So I don't know if we can hold on to that for destroying our 20s.

[A]

I honestly, like.

[B]

It was.

[A]

I just never really thought about it when I was. Because I lived with my parents until I was 23 years old. I lived with them all through college. It was just the easiest, which is fine. I went to college in Chicago. My parents. I'm from Chicago originally. I've lived in South Carolina almost two years now.

[B]

Oh, you moved?

[A]

I did.

[B]

To Charleston.

[A]

I did.

[B]

Listen, I do like Charleston, but that doesn't seem like the place we moved to from anywhere. Why?

[A]

I had a. I just went through a really bad breakup back in 2023. Like, early 2023.

[B]

Breakup equals Charleston. I haven't heard that equation before, personally.

[A]

Really?

[B]

Breakup equals Charleston.

[A]

Exactly. I like that.

[B]

No, I haven't so broken up with. I've broken up with as well. Neither of which have ended up to Charleston.

[A]

No, it's a good equation. Okay, so I moved to Charleston about a year after that breakup happened. I.

[B]

Okay.

[A]

I wanted to get out of Chicago. I wanted.

[B]

Sure, that's fine.

[A]

I wanted to move out of my parents house. I wanted to kind of live on my own. I had a friend.

[B]

You don't have to move cross country though, in order to live on your own. I. Well, I understand wanting to leave the city you've been born and raised in. That's fine. Especially wanting to escape the winter and gray skies. I get it, I've done it.

[A]

Part of it was wanting to escape like the seasonal depression that Chicago had. Another part of it is it's cheaper to live in Charleston than it is Chicago.

[B]

Charleston's like one of the cheapest major cities in the country. Yeah, Charleston's even cheaper than that. Then I don't know how the you're struggling on your income.

[A]

I make poor spending choices, Caleb.

[B]

Well, no shit, everyone does. Obviously that would be the reason. And you can fix that reason. And you've been in Charleston for three years.

[A]

A little under two.

[B]

Okay, two years, that's a decent amount of time to correct behavior. I understand. Okay. Move out for the first time, move to a new city. Maybe you go crazy for three to six months. Okay, fine, let's call it that. But two years, Come on.

[A]

Yeah, we went. We went crazy for about a. About a year.

[B]

Okay, well that leaves a year of non chaos. What's the issue?

[A]

I. I spend too much in categories that I have no business spending in.

[B]

But over the last year of the not going crazy year wouldn't be a thing anymore.

[A]

I guess longer than a year I've gone.

[B]

Did you live rent free with the parents?

[A]

Yes, I did.

[B]

Okay, what's going on today though? What's the. What. What are we talking about?

[A]

My biggest issue right now is I spend money traveling, I spend money on.

[B]

But I thought our big intent was to move out, get independence. But spring starts at the Home Depot and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under $300. Like the next grill four burner gas grill. That's perfect for hosting your spring cookout. Then set the scene and turn your outdoor space into the go to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot. Start your spring with low prices, guaranteed at the Home Depot exclusion [e-mail] price match for details. You're just traveling anywhere where you could live in Chicago. I don't know if it's cheaper or not, but at least closer to family or, you know, get. Get a little taste of what it's like to live outside of the house and then travel a lot more potentially.

[A]

Yeah, I just.

[B]

Well, I don't know why you have to move out and do the whole travel the world at the same time, like move out across country plus travel.

[A]

I wanted to live independently. I wanted to do the things that I wanted to do and I wanted to not look at my money and my financial statements. And I just. I'd never really had to be an adult prior to any of this. So I just decided, you know, I'm just gonna live my life.

[B]

Oh, yeah, you got hyper enabled.

[A]

I had a really bad mental, like, idea of money in the sense that.

[B]

Yeah, what was your idea?

[A]

I was just kind of like, well, you know what? Everyone's in credit card debt. That's my age.

[B]

Wrong again, idiot.

[A]

Everyone I was seeing was on social media and was traveling and.

[B]

Well, yeah.

[A]

And doing all these things and.

[B]

But I thought we've. Okay, maybe the rest of the world is just. But I considered myself pretty as well. But. But I thought we kind of all understood that on Instagram. When we look at Instagram, we know Instagram's not real life. I thought we all kind of accepted that a few years ago. Are we still broken?

[A]

It's hard. It's hard to see everything on. I've deleted social media apps off my phone multiple times. You don't have to.

[B]

That doesn't make you travel. You can. I see things all the time and I'm like, oh, that person's either in debt or they're just posting the absolute highlights or their parents are paying for it. And that's not real life.

[A]

Yeah. I've had to delete social media off my phone multiple times for a lot of different reasons. But one of that was that it was causing it. It was a direct correlation to me wanting to spend money that I didn't have.

[B]

You can want to spend money and say no. You can have discipline. I need you to live in a healthy balance where you're able to see things, including things you walk by on a storefront and be able to tell yourself no. Are you still babied by your parents today?

[A]

No, Kinda.

[B]

No. Kinda.

[A]

I'm trying to.

[B]

What does that look like? Because, I mean, that. That is a big Concern. I mean, listen, you do have responsibility in a lot of things you do, but being enabled all throughout until 23 is obviously gonna put you at a disadvantage. Now, you could have learned adult skills, adult responsibilities, if you put a little bit of effort into it. I'm not fully excusing you there, but if they're still babying you from there, they're like, what are the. Are you ever gonna grow up? Are you ever gonna be living on your own? If you're the youngest, that means your parents are also older, which means they're not going to be here forever. No one's will be. But especially if you're the youngest, like, what are you going to do without them? I don't know. I need to set you up for success.

[A]

I can't even think about what I'm going to do without them.

[B]

Well, that's because you haven't actually done anything yourself. So what's the baby and they're doing today?

[A]

So as of right now, I don't pay for my car or my phone.

[B]

How the are you then?

[A]

I didn't want to look at it. I wanted to ignore it. I wanted to live in this ignorance is bliss mindset. I didn't want to think about it.

[B]

I didn't want to look at it. That's a no, no, no. If you know it exists, it's not. Ignorance is bliss.

[A]

Then I didn't want to look at any of this negligence, then negligence is bliss.

[B]

No, that's horrible. That's you actively choosing not to do something that you know exists. That's not ignorance. Ignorance is you just don't know. I mean, why do I have a note here if. If you have the car taken care of, why you're so annoyed that you have to take like 30 minutes out of your time to go get it checked? Like you're that much of a spoiled brat that you're not even willing to go get the car check that they'll likely pay for the 30 minutes of your precious little Charleston time.

[A]

I. Getting a car checked is longer than 30 minutes.

[B]

Well, it depends. I don't know what it's. What's it getting checked for?

[A]

So I. I ran over an alligator.

[B]

Okay, but why do you need to get it checked? It sounds like you won the battle.

[A]

I. My parents want me to get the undercarriage of my car checked. And, yes, I have.

[B]

Is there something. Is there a light that is on? Is.

[A]

No, they just want to make sure that the car is okay.

[B]

They're paying for it. Shouldn't you Go do that and do any kind of personal responsibility whatsoever. Oftentimes you can drop off, Uber home, Uber wherever you want to go.

[A]

Yeah.

[B]

And then go back. What? That still takes 30 minutes of your time.

[A]

Ye.

[B]

Yeah. You're a spoiled princess. No, you're still getting enabled. So I'm not happy with it, but I could accept it. However they're paying for this and yet you're not even willing to go. Take, take a look at the. Take 30 minutes out of your day to get the car looked at. That's gross. That's gross. What's wrong with you?

[A]

Why I would have to drive two hours to and from my job for a long time. So trying to get a rental car. I. I worked very far away from my home and so work to work to my old job.

[B]

Okay, you don't. You got this job a second ago.

[A]

Yeah, about a week ago.

[B]

Well, there you go. You had a whole week to go put in a car. You just drive up. I mean even still do it on a day that you don't work. I know there's days you don't work.

[A]

I would be a.

[B]

They're just looking at your undercarriage. They're not even. They're not even. Is that what it's called? Undercarriage?

[A]

I think, I think it's the car.

[B]

Is that what they call like vagina buttholes?

[A]

I think it's the undercarriage of your car because the whole like part that you sit in is the carriage. I think.

[B]

I don't know. But even still, by the way, it was a 45 minute away job. Fact checked.

[A]

You tried to open exaggerated an hour two and an hour back.

[B]

Drop it off somewhere near your job. Have them check it out while you're at work. Go there early. Shut up. What are you talking about?

[A]

There's not a whole lot of places near my job I worked on.

[B]

Dude, dude, dude, dude. Also, I know you don't work every single day. You. No one does.

[A]

No, I don't. I had just started this new job. I am also a grad student. So I am still in school right now.

[B]

Gradually. Student.

[A]

What I am getting my master's degree in elementary education for.

[B]

Why? That's not even close to what you're doing. What kind of time and money is this worth? Master's in elementary. Do you need a master's in South Carolina? Is it one of those weird states?

[A]

No, you don't off. You don't need a master's. What are we doing in South Carolina for it? But I need to get my. I Want to be a teacher. So I need to get my teaching licensure and a master's program would allow for me to get my licensure. Take the course.

[B]

How much are you spending on this?

[A]

It's about $8,000 a year in tuition.

[B]

That's not. Why is this so cheap?

[A]

Actually it's all online, asynchronous. I go through.

[B]

That's what we want from our teachers. Okay.

[A]

It's the code.

[B]

4325 per six month term. Okay, but even still, I mean, is that why you accept your parents money? Like are they ever going to cut you off? Like what?

[A]

So I've talked to my parents a little bit about taking on the car

[B]

payment or what are you taking it on? Well, what's the conversation? You reach out to them saying yes, please let me spend my money.

[A]

I actually reached out to them and I was like, hey, I kind of want to start building my independence from you. They want me to get myself out of debt before I out of any kind of bad debt.

[B]

Before I take on that.

[A]

No, the car is not.

[B]

I want you to get out of debt if that's your big goal. How much debt do you have?

[A]

About $15,000 in bad debt.

[B]

How much?

[A]

About 15,000 in how much debt do you have debt? 76. 65 to 70.

[B]

$61,902.51. Bad debt, which, I mean the student loans are stacking up, don't get me wrong, especially on an edu. I mean I don't think South Carolina teachers are known for being paid the highest, especially in elementary school.

[A]

No, their, their schedule, their salary schedule's not great.

[B]

You know, the student loans are approaching 45 and that'll be higher if you are borrowing. For now, bad debt, it's approaching 18,000. So how many hours a week are you working? How many hours go to the school?

[A]

20 to 25 hours a week on school during my regular school time. And then if I'm ever doing exams, clinical hours or anything, it bumps up to 30 to 40 hours a week for school.

[B]

Okay. How are you balancing all this? Are you at school?

[A]

It's challenging. And, and I think I have allowed myself to kind of just be like, well, I'm in school, I'm working all these hours, so it doesn't matter. I don't pay for the car. I can just do it whenever I get the time. And then the time comes and I'm exhausted and so I don't do it. But my mom is getting on me about wanting to make sure that I get the car taken in.

[B]

So have you ever budgeted a day in your life? I have parents is doing things.

[A]

Yes, I have. And I've seen the way that you budget all of your stuff and.

[B]

What A little too aggressive for you?

[A]

No, you're.

[B]

No.

[A]

Your TV fund is bullshit.

[B]

It is okay.

[A]

The way that you budget all of like that extra stuff. I like when I do know that you put a budget together at the end of all of your shows and I need to know that like when you do budgeting for me, it's might

[B]

not cover a blowout if you're trying to get this.

[A]

I did this myself.

[B]

But still.

[A]

Don't insult my skill.

[B]

I don't know. Just go.

[A]

I have a lot. The thing about like it's expensive to have upkeep. You are not a girl. You don't understand.

[B]

You don't. No, no, no. You understand. The budget we make is a minimum survival budget. You are wearing makeup right now. That's lovely. We support it. If you want to do that, that's great. It is not in a minimum survival budget. It should be for survival, for living like you will die. Like we're talking roof overhead, food on the tables, utilities paid for. This is a survival budget we're making. But the thing is, tampons can fit in there quite easily in the budget that we make for the TP fund. Many times people have money left over in their TP fund and they can use it for fun.

[A]

Well, the whole thing, the whole thing for me, like my hair, my nails, the way that I look, all of

[B]

that nails is not survival.

[A]

It is for me.

[B]

It's. No, it's literally not. You will not die. I mean, I know you've been spoiled your entire life. You will not die.

[A]

It's all a part of my identity. And that is such like if that's

[B]

the identity we want to put on, you're doing it very well. I don't know if that's what you want to put on.

[A]

No, my. The. The way that I look, my hair, my nails, all of those things, they all are a part of a huge part of my identity.

[B]

I agree. I want you to do it. It's not survival.

[A]

Maybe for you.

[B]

No, it's not survival for anyone. It's what I want you to do. It's what you can easily fit into your 30% when you can spend 30% on fun. It isn't survival. Not having an emergency fund is an emergency.

[A]

I've heard you say that before.

[B]

Uh huh.

[A]

My emergency is when my nails don't get done.

[B]

I mean, that's stupid. How can you even possibly say that? I mean, that's just like. That doesn't make any sense. That doesn't impact you.

[A]

It does.

[B]

Okay. No, no, it doesn't impact you on a survival standpoint is what I'm trying to say.

[A]

It impacts me and my ability to feel like myself, to go through the rest of my life. If everything. If the way that I look, the way that I feel is off, my mental is off, my physical is off.

[B]

And then, I mean, I' put in a gym subscription.

[A]

I do have a gym subscription.

[B]

Are you using it?

[A]

I am. I use that to do my weightlifting and then I run.

[B]

I think that's more important to looks than nails. Maybe in your mind, we're all 20 pounds away from being sexy as.

[A]

I mean,

[B]

dude, nails can be pricey.

[A]

They are pricey. Yes.

[B]

I pay for my girl to get her nails done. So you understand I have money, I can budget. I have a TP fund set aside and it fits in it. I'm not a spoiled brat. I saved my money, I acted responsibly. I'm in a place where I can do life.

[A]

But you didn't always act responsibly.

[B]

No, I didn't. But when I started to change, which people come on the show to change, which you said you did, this is where you start acting responsibly. When I worked to get out of debt, when I worked to get an emergency fund, I wasn't blowing all my money on little rewards along the way. Absolutely. And we can bake those in and we can celebrate with them. That is fine. But the budget we make at the end is not a. Is not a go live and have a ton of fun budget. It is a minimum survival, what you need to survive budget. And what can we do around there when people have the wiggle room for fun spending? I put it in. And you can put your nails in that thing. I don't know if you have that wiggle room or not. I don't know. I mean, the fact that your parents pay for some of your bills already helps, but that money should probably be going to putting extra towards debt anyway. Your hair is dyed. It's highlighted, right? I do.

[A]

I do highlight.

[B]

It's expensive.

[A]

It is. Especially in the Charleston area. And in my opinion, it's worth it. Are you stupid or something?

[B]

Worth a dollar amount maybe, but not when you don't have an emergency fund. Cause what happens? Well, your parents will bail you out. That's why? You don't understand. That's why you don't have a respect for the dollar. You don't have a respect for an emergency fund because no emergency will have ever popped up for you at this point. But you need to prepare yourself for when they're not there to bail you out. Because that's when an emergency will actually be an emergency. As an unpredictable cost you money you don't have and then you're. Then you lose a roof over your head.

[A]

As essential as those things are to me. A roof, yes.

[B]

Pretty essential.

[A]

I just said that it was as essential as those things are.

[B]

Uh huh. Which is a weird thing to say about keeping a roof over your head, but sorry, continue.

[A]

I also find things like my hair, my nails, all of that stuff to be as essential.

[B]

There we go. They're in different categories. Just like murders. Not every murder is the same. If you accidentally murdered in an alligator, it is not the same as intentionally going out there and blowing an alligator's head off. Okay? There are degrees of murder.

[A]

The alligator.

[B]

There are degrees of murder. There are degrees of needs. I am talking about survival.

[A]

All right? The alligator walked away from that accident. I left with a lot of emotional trauma.

[B]

Good. You deserve it. That's not true. Nah. Emotional trauma for hitting an alligator?

[A]

Yes. I felt so bad for hitting that alligator. At least it wasn't a deer. It didn't totally total my windshield.

[B]

Well, you don't know anything. Cause you won't get your car checked out that they're paying for and they really want you to get checked out.

[A]

I will take my car in to get checked out. I will take.

[B]

I don't know why you haven't. How long have they been asking before we jump back in? This part of the video is sponsored by Kickoff. Let me tell you something that still annoys me. When I financed my car, my credit was sitting in the low 500s. If it had just been over 600, I could have saved over $2,000 in interest. That is vacation money. That is new laptop money. That is therapy money. And that's where Kickoff comes in. Kickoff is the number one credit building app in the app Store. And plans start at just $5 a month. No credit check, no hidden fees, no interest. When I started using it, I was building from those low 5. Users under 600 grew an average of 25 points in their first month with on time payments. That is real progress just from consistency. Here's what I like. The account immediately helps diversify your credit mix. Then every small on time payment builds positive payment history and because the payments are tiny, your credit utilization stays healthy. You can even set up autopay so you never miss. Start building credit with Kickoff today and get your first month for as little as $1. That is 80% off when you go to the link in the description below. Must sign up via my link to activate Offer Offer applies to new Kickoff customers. First month only subject to approval Offer subject to change New car financing savings based on 2025 Chevrolet Silverado MSRP with $10,000 down payment and 5 year financing for subprime borrowers versus those over 600 nationwide. ARP average for new cars. Actual savings and financing factors may vary. Source Experian April 2025 average first month credit score impact of plus 25 points Vantage score 3.0 between January 2024 and November 2024 for kickoff credit account users who started with a score below 600, who purchased at least one item with credit account and who paid one on time in the first month. The payments may negatively impact your credit score. Individual results may vary. Thanks again to Kickoff for sponsoring. Let's get back to the video. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial Dollarwise.com, link in the description below.

[A]

Too long.

[B]

How long have they been asking?

[A]

I hit the alligator.

[B]

Spoiled brat.

[A]

I hit the alligator in August.

[B]

What the is wrong with you? You don't pay for it and they just want to make sure it's okay and that you're safe. What is wrong with you? Then you feel like you have to get the hair did, nails did. You can fit a lot of these things in the TP fund. It will be doing your own nails. Yes, you can put makeup in there Tampons. Oh, they fit.

[A]

I don't need to put those in there.

[B]

Okay. She's bloodless. Well done. That is cheaper.

[A]

Yeah, it is. Pink tax is.

[B]

Yes, horrid. Pink tax is a thing. You can fit it in the TB fund for minimum survival. I've seen people complain about it. I don't give a. They don't understand that it's a survival budget. It's not the. The rest of your life budget. This is a Getting on a dime, getting a fully funded emergency fund budget.

[A]

What do you consider to be fully funded emergency fund?

[B]

6 months of living expenses. Or 12 months if you own your own business or if you're an independent contractor. Potentially 9 to 12. Okay.

[A]

I was just curious. I wasn't. I didn't know what you. Cause I feel like.

[B]

So are we aligned or are you still dumb?

[A]

Six months makes sense to me. I. This episode is brought to you by Palmolive. Family time isn't just the big moments. It's weeknight dinners, sitting around the table, everyone talking all at once. So when the plates are empty and the sink is full, use Palmolive Ultra. Palmolive's most powerful formula removes up to 99.9% of grease, leaving your dishes sparkling clean. And the new convenient pump makes cleaning even easier, so you can spend less time tackling dishes and more time together.

[B]

Shop [e-mail] under Highlights 160 for a cut. That's crazy.

[A]

Yeah.

[B]

Come on. You don't need this for survival.

[A]

I do.

[B]

Look like every raggedy ass that's in South Carolina. You'll be fine.

[A]

I don't want to.

[B]

But you'll fit in.

[A]

I like to stand out. I got my undergrad in acting. You think that I want to fit

[B]

in your undergrad in acting?

[A]

I did. And I know what you're doing with that.

[B]

You're doing nothing with it.

[A]

I know that you got an art degree, too, so you can't say, oh, I dropped out.

[B]

Listen. What the. What a waste of a degree. You're doing nothing with it. You're working in retail. Service.

[A]

I was gonna say service.

[B]

Service.

[A]

Sorry, I. I don't find it to be a waste of a degree.

[B]

Now you're not using it, and you have $40,000. $44,698 of student loans.

[A]

Yeah. Value of what? My degree cost versus value of what my degree is giving me. As I will tell you, it's in the negatives. 100%.

[B]

So it's not worth it.

[A]

I found my degree to be worth it.

[B]

How do you know what's good for me? That's my opinion. Mathematically, is not. What is the worth that you had fun. That's great. You can have fun without 45,000.

[A]

I learned a lot.

[B]

I learned acting.

[A]

I will. I learned they're all.

[B]

What were you trying to do?

[A]

I wanted to. To be an actor. I wanted to be in the film television world. I went to Columbia College, Chicago.

[B]

Okay. Yeah.

[A]

I wanted to be in the film and television world.

[B]

You do anything?

[A]

I did. I did some work.

[B]

Huh. You're on this podcast now, but you're going to be a teacher.

[A]

Yeah, I did. I did some work in the industry. However, I was in my undergrad when Covid hit and everything kind of went to hell in a handbag.

[B]

Yeah. But that ended relatively quickly.

[A]

But the industry changed so much that I didn't want to. I didn't really want to continue working in that industry, but I wanted to finish out my degree. And that's why I'm going in to get my master's degree now. Cause I want to start an actual career. Because I don't want to be in F and B for the rest of my life.

[B]

F and B.

[A]

Food and Bev. Oh, restaurants.

[B]

I thought it was a fat, but I gotcha. No, it's not true. You're actually. I don't know what you are. That's very hard to tell with that clothing. Oh. What do you.

[A]

This is my favorite dress. So don't knock it till you try it.

[B]

I don't think I'm gonna try it.

[A]

Really? I think it would fit nicely on you.

[B]

Are we swapping?

[A]

Why not?

[B]

What do you think your finance score is? 0 to 10. 0 being the worst, 10 being the best one. If you want your financial score, take the assessment. It is [e-mail] see where you stand in the world of money. See where you're doing poorly, where you need to improve, where you're doing, where you're doing great. It tells you all of it. Only takes a few minutes. And again, it is free. And if you don't want to be like a guest who ends up on the show, make sure you download the Dollar wise budgeting app. It is my preferred budgeting app. So many new features have been added recently. It's incredible. You'll love it. Get your free trial Dollarwise app. Sign up for the annual version if you want to save a lot of money. And when you do, for a couple months left and then it's gone forever. Can't be purchased. I will sign my Butcher friendly cookbook and mail it directly to you. Dollarwise app all those links in the description below. Let's jump into these finances, shall we?

[A]

You have a good haircut in that photo.

[B]

It's the same haircut.

[A]

It looks different in that one.

[B]

I may have laid a little bit.

[A]

Maybe it's just because you're smiling so you don't look as dead inside in the photo as you do.

[B]

Why am I not like joyful and just joyful? Yeah, smile. Let's see.

[A]

I am smiling on the inside.

[B]

South Carolina Federal Credit Union. What do you have going on with them?

[A]

Personal loan.

[B]

Why I at 25, with your parents supporting you, I am confused. Why would you have a personal loan?

[A]

I did a debt consolidation.

[B]

Why? With your parents supporting you?

[A]

Why my. So basically I was paying the minimum payments on my credit cards and I called my dad once and I kind of was like, hey, what should I do? I was living alone for the first time, trying to figure out how to pay my bills, my minimum payments felt like a lot at the moment. And he was like, well, why don't you consider. Is that.

[B]

Who said that?

[A]

My dad.

[B]

Okay. And they weren't gonna bail you out? Not that I want them to, but

[A]

no, they didn't want.

[B]

It sounded like they would be, but

[A]

when I called my dad, I was. I lied to him about where I was financially and I was like, yeah, totally. I have 100% financial fixed my behavior and change what I was doing. And he was like, well, why don't you just go get a debt consolidation? Why don't you just go to a credit union and see what they have to offer?

[B]

Just be an end all, fix all suggested. What was your thought? You went into it and got it.

[A]

I did. So I went. I went to a credit union that was near me and I walked in and I was like, hey, this is the amount of debt that I have. These are the credit cards. And the interest rate that they were going to that they put my loan at was significantly lower than what my credit card interest rate was. And so it seemed like a good idea at the time, but I didn't change any of my.

[B]

What happened?

[A]

I have a certain standard of living that I wasn't willing to give up yet.

[B]

What's that? You have roommates. What's your standard of living you're not willing to give up? Just again, just coming from spoiled background,

[A]

just shopping, taking care of myself.

[B]

Plus taking care of yourself.

[A]

Your blowout, getting my hair done, getting my nails done.

[B]

Even that with your income, if budgeted if put that wouldn't make or break you. You're infinitely spend more than you make. Like a lot more.

[A]

And I was. And was.

[B]

Was. Okay, very good. How much did you spend last month? Oh, we know what comes in. Yeah, like 27 on normal. Three, maybe 32.

[A]

31.

[B]

31 comes in. What went out?

[A]

Is that in, like what went out? Checking, credit, everything.

[B]

What went out, what was spent, what's gone.

[A]

I'm gonna take a wild guess and say probably somewhere near 6,000.

[B]

That' $4,534.47. If you said was, how can you possibly say six? What the.

[A]

I just kind was. I. I assumed I was like I. I wanted.

[B]

Still is.

[A]

I thought that I. That it was worse than it. Than it actually is.

[B]

No, no, no, you're not understanding what I'm saying. When you say was, it makes it sound like you were bad, but you still are. If you're saying 6,000, I mean, you still are. If like 31 comes in, you spend 40. What was it? 45.

[A]

Yeah. The reason I thought it was 6,000 is because I knew that three paychecks hit on that statement that I sent you. So I figured it was somewhere in the ballpark of 1500, 2000 more than I bring in.

[B]

So it's still not was, though. It still is. There's no change. You're suggesting change. There's no change. Where's the change?

[A]

There's more awareness now at this moment in time than there was before.

[B]

But you're doing nothing with the awareness. Isn't that worse than ignorance? Again, going back to that.

[A]

Yes, yes, yes, yes.

[B]

Then what are you saying?

[A]

I. What I'm trying. What I'm trying to say is, looking through all of those statements, I. I had never really sat down and actually tracked what I was spending.

[B]

Why? Because isn't that what's all necessary if you're going to say was. And now is.

[A]

I do it now. I track all of my spending. Now. I look at my statements and so I guess if you're gonna look at any kind of behavior change that did happen, I do that I still have. I still struggle with impulse control when it comes to spending. I still struggle with impulse control when it comes to seeing what other people are doing and trying to.

[B]

So what's the cope. How do you deal with that?

[A]

How do I deal with overspending?

[B]

How do you deal with that? If you see what other people are doing, what is the answer?

[A]

Right? I mean, it was. It was just buying things and spending money that I didn't have what you keep saying was. It is. It is. It's buying things.

[B]

How much did you spend going to eat last month?

[A]

600, 700?

[B]

Dude, it was 1026. What the are you doing even now with your better income, that's still over a fourth. Over a fourth? Well, you have debt. Well, mommy and Dabby are giving you all this money and paying your bills while you're consolidating debt while you're a was and now is you was. Now is you is. You are spending over $1,000 over a fourth of your income. I'm going out to eat. Was. What are you talking about, was? There is no was. There only is and still is and forever will be unless you actually look at what you're spending, of which you won't do.

[A]

I do it now. I didn't do it when I sent. And I know that over a like one month isn't enough to consider it a behavior change, but this is that month.

[B]

This is that month. So what the are you talking about? There's not an indication of a behavior change?

[A]

No, there isn't.

[B]

Well, then what are you talking about? Because just because, you know, I make

[A]

all my payments, I pay all my

[B]

bills, so we'll see about that. Every time someone has said that, they basically have late payments, by the way. But either way, either way, pause. Either way, pause. The thing is, you just being knowledgeable about, wow, I really would like to not be in debt for a month is nothing because you still went and did the same actions as before. If not, that's even worse because if you all of a sudden had that mindset and wanted to fix it, but then didn't, that is worse than, again, being in ignorance. That is what this conversation is about so far. You can't give yourself a W by all of a sudden knowing you're in debt and not wanting to be in debt but not doing anything to fix it. That's not a win. Where's the win? That's not a win, I think. I mean, I heard you have a boyfriend and your future is all dependent on you getting your shit together. Yeah, he had a nervous breakdown when talking about your finances to him, I did. He tell me about it.

[A]

So he and I started dating earlier this year, and we basically, we started talking about where our finances were. And after a couple of days, he had. I told him that I had credit card debt. I never really told him how much. And then he kind of asked me. He was like, hey, seriously, like, where are you at in Your debt how

[B]

quickly into your dating?

[A]

Pretty quickly. I mean I didn't want to. We both kind of are on the same page that we're ready to be with our person.

[B]

Yeah.

[A]

And so we kind of just wanted to make sure we aligned on certain stuff and finances, kids, all that. We wanted to make sure that we were on the same page. And he was like, how much credit card debt are you really in? Cause he knew that my parents bailed me out of a lot of stuff.

[B]

He knew, he already knew that. He knew that previously. He's like let me lock down that

[A]

he knew that my parents helped me financially. Yes. He, I don't think he realized how much. And so when I told him with

[B]

a non independent person though, someone that can't manage themselves because that means all of a sudden he becomes the dependent.

[A]

I have made that joke to him multiple times. It's not really a joke. That's the problem.

[B]

Well, it's the joke that you're going to be dependent on him.

[A]

They'll just, we'll just go from spending, spending. Daddy.

[B]

So the nervous breakdown, what happened?

[A]

So I, I broke down to him

[B]

and I was like, you call him daddy?

[A]

That was a joke.

[B]

Let me see what this man looks like. Let me see if he looks like a daddy.

[A]

All right, that's him.

[B]

He could be daddy. Okay, go on.

[A]

That's him. So I, I broke down crying and I finally admitted to him what I'd been lying to myself about. What I've been lying to my parents about, which is just where I was debt wise. I was lying to my. I didn't want to think about the fact that I was in debt cuz I didn't want to change my behavior. I just wanted to keep spending money and being a spoiled little brat. I mean, I'm sorry that, I mean

[B]

with your spending, you still are. If this conversation was months and months and months and months ago. You didn't change.

[A]

No, I didn't. I wanted to keep spending money and so I just ignored it and I just let it keep going. And I told. Okay, call him right now.

[B]

Mm.

[A]

Alrighty.

[B]

Because his personal loans are $2,869.12. What's the minimum payment?

[A]

175.

[B]

And what's the interest rate?

[A]

12.5.

[B]

13.5.

[A]

13.5.

[B]

Minimum payment? 152.45.

[A]

Oh, I pay 175 every month.

[B]

Well, I don't understand the point of a little more on a few different accounts instead of actually focusing on something. But call them all right, listen. If we have. If we consolidated this almost 14% loan, build all our debt back up because we didn't change your behavior, then you haven't done anything. What the are we doing? Editors bleep his name if he answers my guy. I. I just have to talk to you for a second. Okay? The thing is, your girlfriend here, who we are calling Iris, and you're anonymous. You guys had a pretty rough conversation months and months and months ago. How she finally accepted what she has been hiding to herself. Hiding from you, hiding from her parents about how much debt she was in so that she could finally confront it. Right? Isn't that how that conversation went? She wanted to finally expose it so she could fix it. Yes. And she wanted to fix it for you. Cause you guys are like, you know, we are ready to settle down. We should be forever people, right? Yes, dude. God. But this ain't even close to what has happened after that. All she did was acknowledge how much she did. She had then she didn't change her life. How much do you think she spent going out to eat alone last month? Just. Just going out to eat. Just going out to eat while bringing in 3100. Just going out to eat. I have no idea. What would you guess? Gut 500. So that would, you know, changing her behavior. Changing her behavior would be cutting back a little, learning how to budget, acting like a AD and having conversations about her money if she wanted to settle down and actually be with you. Well, she spent a thousand dollars on going out to eat last month. Over a thousand dollars going out to eat. She spent a third of her previous income before her new job going out to eat last month. Month after having months after having conversations about how she wants to fix things. Yeah, I had no idea about that. I have not been that much into her personal finances. I just know that she has been. Has been putting together budgets. I didn't. Wasn't sure if she'd been following them. No, she probably right, because this is what she does. This is what she has tried to form as a W in this entire conversation. Is that because she thinks about her debt? Because, oh, I acknowledge that my debt exists. She counts that as the win. That's it. It's like thinking, oh, I'm fat, I should go on a diet. And then that's the win. No, you actually have to do the thing. She doesn't do the thing. She never does any action. She does the thought. She does the thought of the budget. She makes a budget, then she doesn't follow it. And this is with. I'm assuming you pay for a lot of extra dinners on top of this, right? I wouldn't say a lot, but yeah, we go out once in a while. Well, there you go. And then she blows $1,000 going out to eat Miscellaneous bullshit. Miscellaneous bullshit. This could be random things. This could be stopping in getting an energy drink. This could be. Who knows? It could be a video game. I don't see her as a gamer, but who knows? It could be that kind of stuff. Miscellaneous bullshit. That is an additional $1,200. So minimum spent before we even go into other categories and see what might be bullshit. Minimum spent. Minimum spent on bullshit. Minimum spent on bullshit. Last month alone is $2,200 she brings in before her most recent job, but at the time of this jump, $3,100. Bullshit. 2,200 minimum. Minimum. Jeez. Is this not upsetting because you guys had this awakening conversation months ago? Months ago. No, it is upsetting. You know, I didn't know. I had no idea that she wasn't following the budgets. I just. She had just been talking about making them. Oh, well, Mommy and daddy comes in and pays for the bills, you know, when she doesn't fix this behavior. And mommy and daddy all of a sudden become husband and wife, as in you and her, you know, all of a sudden you become the person that pays all her bills and all her mistakes and bails her out every second. You know that, right? This just gets transferred onto you. Yeah, I know how it works. How does that make you feel? We haven't really talked about the whole being a parachute type thing because I know she has her parents for now, but it's frightening. Yeah. You guys have talked about being forever people. What would be required to change? What would this be required to look like for you to even consider that? Because if I'm being completely honest right now. Yeah. Keep dating her. She doesn't seem like a bad person. Horrible finances, Spoiled little brat. Absolutely. But when I say marry her. Not even close. I would say run. What would have to change? What would this have to look like for you to nail down the relationship in a more marriage way? I have to know that she's following the budgets that she's making. They're more than just thinking about it and actually putting in the action. What would you want those budgets to look like? I don't know. That's. Numbers are something that I definitely haven't thought of and not something that I can throw out willy nilly right now. But I would Definitely say. Because I know this is something that's been stressing her out a lot lately too. And obviously that's not good for a relationship as a whole. No, yeah, I think it would be good for everybody. And yeah, I don't know if she agrees. I'd definitely be happy to be more involved in things. But is it acceptable for. Is it acceptable for one's partner to be stressed about something and put that stress and then make the other person feel stressed because of that? But the thing that is causing.

[A]

Are you trying to ruin my relationship right now?

[B]

The person that. The thing that is causing that person stress is not being. Zootopia 2 has come home to Disney Plus. Let's go get ready for a new case.

[A]

We're the greatest partners of all time.

[B]

New friends.

[A]

Gary the snake and your last name the snake.

[B]

Dream team. New habitats.

[A]

Zootopia has a secret reptile population.

[B]

You can watch the record breaking phenomenon at home. Zootopia 2 now available on Disney. Rated PG. Right now you can get Disney plus and Hulu for just $4.99 a month for three months. With a special limited time offer. Ends March 24th. After three months, plan auto renews and $12.99 a month terms apply change in any way whatsoever. Is it fair that she puts that stress on you but doesn't change anything that creates the stress? No, no. Not when it's not. When it's something that happens over a long period of time and it's a behavior that's not changing. Yeah, it's unacceptable. It's unacceptable. All will not even have it to take care of her car bills and other bills because of mommy and daddy.

[A]

Yeah, it's not my fault. I'm loved.

[B]

You're enabled. You're spoiled.

[A]

I'm loved.

[B]

You're well loved. But they are not actually treating you with proper love. Love that will benefit you in the end. I'll call the parents in the post show. But I'll let the boyfriend go for now.

[A]

You trying to ruin my relationship, Caleb?

[B]

No, I'm trying to fix it by you getting your shit together so that it's not transferred to him when you guys become married. If he even allows marriage. And I want to get you guys to marriages. That's what you guys want to get to. But you're doing everything to go opposite of it. You're spending on bullshit. Minimum. What is it? About 75% of your income? It's insanity on bullshit.

[A]

Well, have a nicer tone with my mom. She's very nice lady.

[B]

No Any other thoughts here, boyfriend? Not off the top of my head. I'm glad she's having this conversation. Or someone. If you guys find it allowable, be her accountability partner. You need to hold her feet to the fire because right now this is beyond unacceptable. Yeah, yeah, it's something we'll talk about. Good luck. Potentially.

[A]

Run. I feel like you're trying to break me up, Caleb.

[B]

That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. If budgeting apps make you feel like this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment. They're failing. Too many categories, too many rules, too many red alerts started screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it? You're not alone. That's exactly what we built. Built dollar wise. If you want a calm and clearer way to see where your money is going, try dollar wise. Download the app today and get a three day free trial. No setup nightmare. No manual tracking, no pressure to be perfect. Just connect your accounts, see where your money is actually going and decide if it works for you. Click below to download downloads and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. No, I want you guys to actually be able to get married. He's never gonna let you guys get there. If you don't get this together and actually act like an adult for the first time in your life. Like, what the are we doing? Then you take out the personal loan and then you it all up again.

[A]

Take out the personal loan, rack up all the debt again.

[B]

Huh. And then last month alone, 2, 200. There's minimum, minimum, minimum, minimum on minimum, minimum. Not even a question. No way. F you. It's there. Look at the chart. You can read. You went to theater school.

[A]

I can read.

[B]

Capital One. $5,576.67 minimum monthly payment 184. What is going on with this? Because that's an insanity of a balance. Insanity.

[A]

Yeah. So that credit card I've had since I was 18 years old and I genuinely don't remember the last time I didn't carry a balance on it.

[B]

Yeah, that's what happens when you spend literally triple what you put towards it. You put the minimum payment towards it and you spent $632.11. Well, $128.34 of interest accrued. It is border. It is almost maxed out. It is accruing interest. You can't pay it off to save your life, yet you spend over $600. I don't. Why Possibly why the.

[A]

Because there were things I wanted to

[B]

do and more than marriage.

[A]

That's a tough one.

[B]

Oh, boyfriend. You should have heard that.

[A]

It's a tough one because it's hard to Boyfriend.

[B]

Just to let you know, James Grill is much more important than you, than your future.

[A]

I was actually with him.

[B]

Well, you still chose it. You spent the money. You're choosing that because he is not getting married until you fix this. And you don't.

[A]

It's not. It's not.

[B]

You don't fix this by spending 200 on James Grill.

[A]

It's not more important than marriage to me.

[B]

Yet you do it instead of actually fixing the thing that is going to allow you guys to get married that was suggested is more important to you through the behavior of it being more important to you.

[A]

It's just anything that I didn't have in my checking account that was over $50 I put on a credit card.

[B]

Why? What's the logic?

[A]

That was just my rule for your rule. That was just my like mental rule that I had. Like, if I didn't have the money in my account and it was over $50, I just put it on a credit card and I didn't think about it.

[B]

Okay. And the logic behind it is that helps you.

[A]

Doesn't. Doesn't come out of my checking account. So it just didn't seem checking account.

[B]

So that's what matters.

[A]

That's the number Credit cards don't matter

[B]

to you, then you're not a credit card person. Not even close. If you, if literally, if your logic is as long as it's not coming out of my checking account, if it's being added to a credit card, it's okay.

[A]

I mean. Yeah, that's. That's what. That's what I thought. That was that. I mean, that's.

[B]

That's what I thought I was going to say because you again spent triple what you put towards it in terms

[A]

of payment credit cards. It doesn't. It's not as quick. It's not as. I don't want to say real. I mean, I guess it's not. It's not as real.

[B]

It's not as quick in your credit interest is accruing. It's you.

[A]

It is.

[B]

How long does this take to pay off? If you make minimum payments only and don't purchase of which you're incapable of.

[A]

19 years.

[B]

22 years.

[A]

22.

[B]

22 years. And yet you still won't be married. How does that sound?

[A]

Not great.

[B]

Well, that's where you're literally headed.

[A]

The credit cards were just what I was using.

[B]

I mean, also, the lady who always pays her bills has had a late fee this year. Every time, ladies and gentlemen, there's a late. Oh, every time. What is wrong with. What is wrong with people like you?

[A]

No, I know I had a late fee there in 2021 one time.

[B]

No, you had a late fee this year one time.

[A]

Then. I didn't know about that because I didn't.

[B]

No. This is so interesting that those who are the most confident that they're never late are the ones that I know for a moment fact will have a late fee.

[A]

I genuinely.

[B]

What's wrong with you?

[A]

I genuinely didn't know. I know because I know there was a time in 2021 that I didn't pay that. That dude, I don't give a.

[B]

About four years ago. It's 2025 and you've had a late fee this year.

[A]

Does it say when this year? Does it say when this year?

[B]

No, but it's year to date.

[A]

Okay, what was the amount?

[B]

29. That's a late fee.

[A]

29.

[B]

Listen on here wix.com James Grill, McDonald's, the Nuggs. More important than you boyfriend, by the way, winning. Got some bullshit Thrift Shore smoking, vaping.

[A]

Okay, so that is Delta 8 Gummies. I don't. I do not smoke. I do not vape. I used to do edible. I quit two years ago.

[B]

But I mean oh, you just purchased that? No, no, no, no.

[A]

No nicotine. I used to smoke cigarettes.

[B]

But you're doing edibles.

[A]

Well, because those specific gummies are legal in South Carolina and that's the illegal.

[B]

Well, I don't know about Delta A specifically, but, you know, listen, I was. I'm still okay with weed, but I was actually much more pro. Pro. Like a decade ago when studies were first getting started, we didn't really see negative things. Now, pretty much any study that comes out over the past five years or so shows that really, it's. It's not great. It limits your absolute development all the way through. Like your entire 20s lower. It increases your risk for many cancers. There's much more dependency than people are willing to acknowledge. It's not dependency as in like you get.

[A]

This episode is brought to you by Indeed.

[B]

Stop waiting around for the perfect candidate.

[A]

Instead, use Indeed sponsored Jobs to find

[B]

the right people with the right skill set fast.

[A]

It's a simple way to make sure your listing is the first candidate. C. According to Indeed data, sponsored jobs have four times more applicants than non sponsored jobs. So go build your dream team today with Indeed. Get a $75 sponsored job credit@ Indeed.com podcast.

[B]

Terms and conditions apply. Alpha, you're gonna feel like horrible headaches or itches or, you know, shakes or anything, but you will feel down for a while if you are on this on a daily basis.

[A]

I'm not on it on a daily basis. Okay.

[B]

It's just for a little fun here

[A]

and there every now. Every now and again. I don't very often, so that's kind of my. I will when I go out with my friends.

[B]

Chili's, Spotify, Uber, McDonald's. CNBC. $25 for CNBC. What are you doing?

[A]

I couldn't even tell you what that is.

[B]

I can. It's cnbc. You know what CNBC is? The news. Financial news. Did you have a subscription to CNBC and you don't even know it?

[A]

Nope.

[B]

What is wrong with you?

[A]

I'm sitting here, I'm trying to think. I'm like trying to rack my brain. I.

[B]

Uh huh. Yeah. Over $1,100 has gone to interest this year so far.

[A]

Damn.

[B]

On this current loan. So for example, of this year, an entire third of a month that you worked went to just paying the interest on this. By the end of the year, a half of a month that you will have worked this year only went to the interest on this card alone. I guess CNBC has stores in the airports like.

[A]

Okay, okay. That makes More sense.

[B]

A few newspapers, maybe cnbc.

[A]

That would have been so this. I went back home to Chicago to see my family. That would have been at the airport. That's why I asked.

[B]

Get on your phone. What am I getting at the airport, dumbass.

[A]

Sorry.

[B]

You don't need entertainment while you're there. From South Carolina to Chicago.

[A]

I'm assuming that was something.

[B]

Paying for Spotify.

[A]

I'm assuming that was like grabbing food.

[B]

I'm assuming it was dumbass.

[A]

I'm assuming that.

[B]

So you went to Chicago for back to back concerts. Let's be honest, I did so off family.

[A]

I did go to see. I. Okay, uh huh. So my mom bought the tickets for us to go see this concert and I decided that I was just gonna make a trip out of it because why not?

[B]

Did you go for another concert?

[A]

I did see another concert. While I was there. I went to. We went to see a baseball game. I went to. One of my friends is in a band. I went and saw her gig. We went to the Renaissance Faire. We just made a whole like six day long trip out of it. Off of the fact that my mom got us tickets to go see. We went to go see the Goo Goo Dolls.

[B]

Half a month of your work just for this interest rate. And this weekend you're gonna go see Renee rap.

[A]

I am.

[B]

You.

[A]

I'm going. I drive to Atlanta on Friday.

[B]

You can't afford dick. You can't afford anything.

[A]

I already paid for it. So it.

[B]

Yeah, you'll get food, you'll get gas, you'll get. Bullshit. Come on.

[A]

But it's already paid for.

[B]

Merch.

[A]

Not everything feels like it is.

[B]

But that's not how math works.

[A]

Like I. I mean the. Like Verbo's paid for, the concerts paid for.

[B]

Yes, I know, but not everything. You're gonna do well there and not to get there. Get back. Or a hotel, which you'll probably do.

[A]

I won't get a hotel. We already have accommodations that's paid for.

[B]

How much did you spend?

[A]

It was

[B]

2, 102,000. And that's more important than your boyfriend?

[A]

No, it isn't.

[B]

Okay, well it clearly is through your behavior. This Is at a 28.96% interest rate. Of death, of insanity, of stupid. Accommodations aren't free. You still spent money on that, I assume Airb be airbnb of friends.

[A]

Verbo.

[B]

There you go. That's not free.

[A]

No. I mean no. No, it's not.

[B]

United. Oh, we know you like to travel and fly and bullshit and insanity. Oh, she spent over three no, she sent about three times that she put towards it again. That's wonderful. She made her minimum payment, then she spent $840.09. What is wrong with you? What the are we doing again? You say you want this wedding, yet you then just go and do this last month. What are you doing? What's going on with this card?

[A]

So I opened this card earlier this year. Earlier this year.

[B]

It's a $7,491.29 at your income. That is disgusting.

[A]

Yeah, so I opened that mainly because I knew that I was going to be flying to and from Chicago a couple of times. The o' Hare is the hub, is one of the hubs for United. So I fly United mostly. They have direct flights from Charleston to Chicago. So it made sense at the time. When I opened it, I got a statement credit. And then in order to get like the mileage rewards on it, I had to spend. I think it was like 3,500 to 4,000.

[B]

I had to spend money, though. That doesn't make any sense. See, you're not a credit card person. You cannot manage credit cards. Sign up bonuses make no sense for you because now this is accruing interest and being ridiculous.

[A]

I mean, it works.

[B]

If you pay it off immediately, you get your bonus. It's so stupid. You can get the fizz card. There you go. You can do that debit card that builds credit so you get all the rewards, you get the benefits, but it only lets you spend. It's in your checking account, which we know you're incapable of, like you following that rule. So at least it forces you to. And also while we're at it, I mean, if you decide, oh, no, I don't make enough money as an elementary school teacher in South Carolina, which you'll probably decide at some point if you want like a career outside of that, I'll get you a course. Career certification. A lot of people in our audience have used it. A lot of guests, they've boosted their income. They've gotten better jobs. You can get that for free. So you just let us know when you're ready for that. But I mean, this is insanity. 19 years to pay this off. You're not a credit card person at all. Sign up bonuses. You. You can't pay off the cards.

[A]

I mean, it just the sign up bonuses.

[B]

Yeah, what about them?

[A]

I told you, I have impulse control issues. So I think to myself, the sign up bonus, I'm like, okay, that makes sense. And then it just builds and builds and builds. And then I look back and I'm like, how the hell did I spend $7,000? But I, I bought flights. I bought my concert tickets on there. You know some of the. One of the purchases on there is. One of the. Is the Renee rap concert that we're going to this weekend.

[B]

So you just did it. So it's already paid for? Just happened.

[A]

No, I bought the tickets a while ago. But you're gonna hate this. I didn't realize. So there's a way that you can do it on the United card where it's like, like it's an interest free payment installment and I didn't know what it was. So for the Renee wrap tickets I ended up clicking it because I was interested in what it was. And so it has an interest savings balance that it charges. So it doesn't charge the interest on the tickets, but it also charges a fee.

[B]

Yeah. A monthly fee of 727amonth.

[A]

Yeah, yeah.

[B]

Stupid.

[A]

I knew that that one was gonna.

[B]

While also getting food at Chinese China Master Domino's. Going in and getting some. The Charleston Nail Spa by the way ain't cheap is 61 bucks 20 cents. Hey, these island cabana audible go to the library. I know there's one in Charleston. It's a city that exists Amazon ua in filth.

[A]

So that's, that's WI fi on the plane.

[B]

I, I you, you, you Download. Download. Don't be a dick.

[A]

That's so I can do school.

[B]

Your school? Download shit.

[A]

I'm paying $9,000 a year for that.

[B]

You can do it before and after

[A]

I do my school. Come on, dick. I buy the wifi.

[B]

That's not an excuse to fly. Oh, so I actually have time to do school.

[A]

That's not an excuse to fly. I'm just saying. Okay.

[B]

Bolero Hudson News. More news we're paying for.

[A]

That's the airport.

[B]

Uh huh. James Island. There's more. Inflate WI Fi. Cooper Shock.

[A]

Cooper's hawk.

[B]

Alani Alani. The Alani energy drink. That's so stupid. This makes no sense.

[A]

They just. Okay, it's stupid.

[B]

Here's the thing. Here, here. Free sample, free sample. Make this with water. This is the GG energy drink.

[A]

They came out with their witches brew.

[B]

Oh wait, this was just used.

[A]

Oh my God. An empty piece of plastic.

[B]

You must really love that. That one has free samples. You can get your free samples of this. But instead of this dumbass bullshit. And I get. But they have comparable flavors. They came out with.

[A]

They had the witch's brew.

[B]

Stop, stop, stop. We Just did a blind taste test on this. This is. I swear it is just as good, if not better. The thing is you can make your energy drinks at home with the powder and it is 25 cents a serving. Instead of blowing, you're on like $4 $5 a serving. You get it? Gambersubs GG use code HAMMER Caleb or Hammer Caleb for your free samples. Test out which flavors you want. Then you get 10% off with my link. 25 cents a serving plus 10% discount. It's like making your coffee at home. Dude, you gotta do this. No more. You cannot afford these one off energy drinks. Make your energy drinks at home. I will give you so many free samples. Just make them at home. The flavors are just as good. I swear. They're awesome.

[A]

Have you ever had the witch's brew Milani?

[B]

Yes. Absolutely. Yes.

[A]

It's not as good.

[B]

No. You don't know. You haven't tested it, you dick.

[A]

I just know.

[B]

No, we did the blind taste test. Gamer subs is incredible.

[A]

Do they have like a caramel apple flavor?

[B]

Gamer subs is incredible. Review all their flavors.

[A]

Okay. Just saying, dude.

[B]

25 cents a serving. Make your energy trick to home. I don't understand this. It makes no sense.

[A]

That's like coffee. That's what it is. I'm just telling.

[B]

Just like coffee make them at home. That's so stupid.

[A]

I do have an espresso.

[B]

More James island and McDonald's. And yeah, you're getting fees for that thing. And then 500 of interest is here. It's ridiculous. Instead of 27.99 interest rate.

[A]

Yeah, I mean I do. I do make my coffee at home for the most part. I do have an espresso machine. There was a little bit of time that I was out of my nespresso pods, so I was going to Starbucks.

[B]

That's kind of expensive. Anyway, like I would rather you listen. Not that you can afford it now, but maybe get gifted. And an actual espresso machine. That is so much cheaper. The necessary pods are. They don't taste as good.

[A]

They're like a dollar 25 a serving.

[B]

Exactly. That's. That's insane.

[A]

They're good.

[B]

Yeah. So is espresso. Espresso.

[A]

Espresso.

[B]

Yeah.

[A]

At least you don't put an X in the word.

[B]

No, no.

[A]

My boyfriend.

[B]

That's what I make.

[A]

My boyfriend puts an X in the word.

[B]

I make espresso and I frost the milk latte. Boom. Cheap. And it's good.

[A]

So I do. I do for sometimes make my coffee at home. But whenever I'm out of my pods, it's an expensive thing to.

[B]

And you go to Starbucks. Literally the worst coffee you can get outside of 7:11. Like, what are you doing? What is wrong with you? You're in a city. Shut the up. Pull up your Amazon for me and start a screen recording. Okay, that's at a 27.99 interest rate. That's right.

[A]

Alrighty. I'm on it.

[B]

Give, give.

[A]

Let me. I'm just going.

[B]

Give, give.

[A]

You can say please.

[B]

No. We'll black out. Private information. Screen recording. Good. What, are you afraid?

[A]

A little. What?

[B]

Would you be embarrassed of

[A]

you saying how much I spend on Amazon?

[B]

Well, yeah.

[A]

That's the thing that I'm nervous about.

[B]

Oh, you got some high boots. Don't need that. I'm sure you have clothes. You got clothes. Clothes. I'm sure you have that. Clothes. Clothes. I'm sure you already have clothes. Knee pain relief. That thing's okay.

[A]

I did get that.

[B]

Bracelets. I'm sure you didn't need them. Pens. It's not the absolute worst. This is just going back to, like the last month. My goodness. Cash clusters kit. Lash Clusters kit. Better than going to getting lashes.

[A]

I do my lashes.

[B]

But all this clothes and bullshit and insanity and the boots and the bracelets you do not need. And it's so stupid. What's in the cart right now. Get a dress for 50 bucks. In the cart. Don't. Don't.

[A]

Okay, it's this dress, but in pink.

[B]

I'm going through TikTok Shop now.

[A]

It's okay. But this dress is amazing. And it's this dress.

[B]

Shut the up. I don't care.

[A]

I don't think I've purchased anything on TikTok Shop in a while.

[B]

Let's see what a while is. I'm here to confirm.

[A]

I think the last thing I got might have. Okay.

[B]

A shower head.

[A]

Oh, I did buy my shower head off TikTok.

[B]

Some gummies or nutrition bullshit. Some packets of hello packets and the Nello packet. Bags, pants, dresses, more shower heads. You return that one, you got a bag. You got nutrition, you know, powder, crap, snowy thing. It's so bullshit. It's all stupid. No wonder you think my TP funds ridiculous, because your spending in that category is ridiculous. By choice by Fun, by Q. Okay. Bank of America Cruise. Celebrity Cruise.

[A]

Yes, it's. It's a travel card for Cruising.

[B]

Two double travel cards. Why? Well, you can't afford life. You can't even pay off your debt. Why are you thinking of even getting cards in the travel space in general. That doesn't make any sense.

[A]

So that one I got a couple years ago and also probably stupid. I was going on a cruise with my mom and she got one too. We just wanted to have the like onboard credit that you get for purchasing on it. So I got that card, opened it, and I don't spend on that one anymore.

[B]

Yeah, I don't see spending right here. But you're only making the minimum monthly. Well, it was a couple dollars higher, which makes no sense. I don't understand the strategy of a couple dollars higher and a few cards and. But making like. No. Like what? That's not a method.

[A]

I have any method that anyone. It's not meant to be a method. I have. I have enough. I have enough payment. Monthly payments on. On my credit cards that I spend

[B]

more than you make.

[A]

Then what?

[B]

Spend more than you make.

[A]

I do. So my. The monthly credit card payments that I have, when you add all of them together and the personal loan that I pay minimum payments is about all I can do. So I just do.

[B]

Oh, and then you spend even more than the minimum payments on the card, so it doesn't. You're not doing anything.

[A]

Well, you just asked what the strategy was. I'm just telling you that I.

[B]

The strategy is to spend more money than you put towards them. This, even with your little extra payment, is still going to take five and a half years to pay off. Five and a half years. Five and a half years. No marriage. Because why would he. That's your method. That's your method is no marriage.

[A]

That's okay. So I is part of.

[B]

Had a lay fee this year so far. Is that your method? Late fee. Oh, another one. Didn't know that happened. There it is. $258 of interest this year. Almost a full month of work. Completely gone with interest across everything we've looked at so far, including the personal loan.

[A]

So with that credit card specific or with all of my credit cards, I guess like, yeah, I end up spending more than I make. There are a few different things that I like, obviously. Like I go and I get my hair done, I go and get my nails done. I do those things. There are a couple things that I collect in general that I buy.

[B]

Collecting collect husbands.

[A]

I don't know if my boyfriend would appreciate that.

[B]

Yeah, you stop at one. Maybe that's what you're trying to do.

[A]

I guess a single one.

[B]

Your hobbies are more important. What are you collecting?

[A]

I collect two things. I collect swords.

[B]

If you want to land a high paying job but don't have experience or a degree then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying job. Career path they teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H Vac, supply chain and many others that can be done remotely. And the coolest part about coursecareers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job and they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving and honestly it literally tastes better and we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Gamer Liter. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 off your order at gamersupps gg or click that link in the description below. Type in code Caleb I know that

[A]

one always gets a head turn. One of my I studied stage combat in college as my minor and so I collect various you have no money

[B]

and then how are you in a position where you can say you collect

[A]

anything and then the other thing I collect is jelly cats.

[B]

What the is that? What even possibly is that they are show me we'll put on screen okay

[A]

I'll I didn't want to bring my I have one on my keychain that I didn't buy my boyfriend bought for me but I didn't want to bring him in because I knew you'd throw

[B]

him well if you put it in my face, yes. Why?

[A]

His name is Nathan.

[B]

Why? Why are we spending money on this.

[A]

I like them. They.

[B]

Why?

[A]

Because I do. Because I'm a girl. Because they're cute. Because they're soft.

[B]

Girl doesn't mean that doesn't make sense. That's not how this works mathematically.

[A]

So I have I think like 15 of them. Just different ones.

[B]

What? How much are they?

[A]

They're expensive. That one is I think like 25.

[B]

Oh, what are you.

[A]

I didn't buy that one. That one was a gift.

[B]

But I again, basically like peanut looking versions of La Boo Boos is more important.

[A]

You have a little Boo Boo behind you.

[B]

Oh yeah. I purchased it for content. It was. It goes against. It's a business expense. It works.

[A]

Do you write it off?

[B]

You know, my CPA will figure that out.

[A]

So the thing about the about like jelly cats is like they're very stupid

[B]

in preventing you from getting married.

[A]

A lot of people collect them. A lot of people want them. And so when they go in stock on the shop, they usually sell out.

[B]

These fads move so quick. People are already getting over the laboobas.

[A]

I was never into the laboon.

[B]

I don't care what you were into. People move in and out of things so quick. It's not Jelly Bean. Where people are into it for decades. Jelly Bean Beanie Babies. Where people are into it for decades.

[A]

Jelly cat's been around a long time.

[B]

Yeah. And I don't hear about it. And I hear about people collecting all the time. Listen, this isn't gonna go the way you think. Maybe it will for a second, but I don't know. And you're willing to pay late fees instead of. You're willing to have the jelly bellies instead of paying your bill on time. Because this is the second one this year so far. Jelly Belly is above that.

[A]

Jelly Cat.

[B]

Jelly Cats above paying our bills. Jelly Cats above paid off deaths. Jelly Cats instead of being free from our parents. Jelly Cats instead of marriage.

[A]

I.

[B]

That's what you are choosing.

[A]

I really like them. I. That's one. That's one of the things that I

[B]

husband potentially in the future, if she's lucky, which you hear that she really likes them.

[A]

He's. He's bought me. He bought me that one. And then so he also.

[B]

You just bought a top of the line MacBook Pro for school. You don't need a MacBook Pro for school. The M4, M5, M3, M2, M1 chip MacBook Airs are incredible for school. You're not doing pro work. You're not rendering videos. You're not doing 3D. You're not doing. You're not processing AI GPU heavy requirements.

[A]

No, but my degree is fully online. So how do you.

[B]

Yes. And the MacBook Airs are incredible. The new the M chip MacBook Pros are incredible.

[A]

I think I had. I think I had a MacBook Air before.

[B]

Yes, but not. Probably not an M chip.

[A]

Maybe not. But I had my previous computer. I had for like six years.

[B]

Yeah, the Airs were not great before the M chip. I'll be completely honest. It doesn't matter. Top of the line MacBook Pro. That's not even close. You're not a pro user. You're not. You don't do anything. You use Google Chrome.

[A]

I need to be able to make sure that I.

[B]

Which you can without a top of the Line MacBook Pro.

[A]

Well, that's.

[B]

You can do anything you need to do. Tell me one thing you need to do that requires a pro machine.

[A]

There's nothing that I specifically need to do. There you go.

[B]

Shut the up. How much did you spend on your MacBook Pro?

[A]

My computer cost me 2,000, I think.

[B]

No, you could have easily gotten the $1,100 MacBook Air that I get employees on the. The Lindsay uses her air. Brandon has his air right there. All the non video editors have air. And they can do everything on multiple displays.

[A]

It might have been cheaper for being like a student discount, like go back to school.

[B]

Which means you got an even more computer than you should have. If after the discount is a $2,000 computer. But I think it was your computer would have been about 1100 before discounts.

[A]

I'm not totally positive.

[B]

Come on. That's all you need. And that's the 15 inch model versus the 13 air.

[A]

I mean I had the. I had the MacBook Air prior to when I got my computer before.

[B]

But if you did, any researcher had any conversations with anyone, any of the people at the Apple stores, anything, you would have known that you could have got AN M chip MacBook Air. They're completely different machines.

[A]

Was that a thing like it?

[B]

Yes. The heirs have been for a few years now.

[A]

Why are we yelling?

[B]

Because you're a tit. You're spoiled and you think you need the top of the line and you choose it over marriage. You choose it over paying your bills on time. You choose it over everything.

[A]

I destroyed my last computer.

[B]

Intel chipped MacBook Air. No one gives a about those. No one would advocate for those. No one would advocate for the intel chip. MacBook Pros even.

[A]

I don't even know what an M

[B]

chip is their max chip. What. What's it called? Like M1, M2, M3, M4. I think we're on to five or six now. You don't need anything more than that for what you do. You're a browser user. You're a browser.

[A]

Well, I do use some studio editing stuff for whenever I film.

[B]

Like, so the heirs can handle anything you're doing. I guarantee you. Guarantee what you're doing. A iPad can do what you're doing. Guarantee you.

[A]

I do have an iPad for my undergrad that I use on occasion.

[B]

Die.

[A]

I used to take my notes on that, but now I take them all just like on a notebook. It's just easier for me.

[B]

South Carolina federal credit score. 662. 664. Not great. You know, enough, like, range.

[A]

My credit score's always been in, like the. The good range. And so that's.

[B]

It's in the mid.

[A]

Exactly. So that's why I was like, well, I don't need to worry about it. Because.

[B]

Student loan. Yeah. Now, obviously deferred because you're in school. Mm.

[A]

I've never paid on my student loans. Cause when I graduated my undergrad, they were still being deferred by the government.

[B]

Yeah.

[A]

And then by the time that we've

[B]

been in a blessed period for these.

[A]

Yeah. Well, when I started, the year that I started was going to have to start paying my student loans back. I didn't make enough money. So I was on the income driven repayment Plan.

[B]

Yeah. Which they're kind of.

[A]

And then I went back to school. So I know that plan doesn't exist anymore, but then I went back.

[B]

It doesn't. But there are. There's the new RAP plan, which will start next year. That is the repayment assistance program sometime next summer with where your income will be. You're like, I'm okay. What. What's the total amount you will have borrowed by the time you graduate grad school? Because you're at 44,698 right now.

[A]

It'll probably be 60 to 70 just in student loans.

[B]

What's wrong with you?

[A]

Well, because 70 undergrad and graduate together, because a good amount of that is my undergrad.

[B]

So some of these, especially non subsidized ones, like the interest rates aren't going to be the best that you're getting right now. Your minimum payment under wrap, I'm guessing, is going to. You should be on like about an $800 payment, but you'll probably be on about 3, 2. 200 to 300 on your income.

[A]

The idea of paying my student loans back actually makes me sick to my stomach.

[B]

Why? You went and got a bullshit degree and now you're getting a master's degree that luckily is a relatively cheap master's online degree. But honestly, again, for something that won't be the highest income just in that state at least.

[A]

I know. It's just I haven't ever paid on my student loans, so I just.

[B]

Why? Does it disgust you? Like, oh, no, I got a service and product that I paid for and now I have to pay for it.

[A]

I'm nervous to have to start adding that into my. Oh, that makes more sense into my stuff. I don't know. I know that it's going to not be the easiest transition.

[B]

Well, you'll have a little bit of time after graduation. But I mean. I mean, what's your income going to be?

[A]

Do we know as a teacher?

[B]

What. What's your teacher gonna be? What. What are you doing exactly?

[A]

Elementary school.

[B]

So just a random elementary school teacher?

[A]

Yeah, I mean, I. I haven't like. I don't have a job offer anywhere because I'm not licensed yet.

[B]

Well, no, I'm just. Okay, this.

[A]

The Schedule 1 salary for Masters in the Charleston school county district starts at like 58, something like that. At least that's what it was when I started my program. It might be slightly different now, but let's find out.

[B]

Because even. I mean, your payment might even be lower with that. Yeah, about 50. It starts at about 50 with someone. A master's degree, Charleston area, new teacher.

[A]

Yeah, I know that there are like breaks with student loans for people that are in education. I don't know what they are.

[B]

What do you mean breaks? Oh, student loan forgiveness.

[A]

I don't know.

[B]

What are certain things. If you work in certain school districts which are pretty high demand these days because, yeah, you work there for quite a few years and then your student loans get forgiven. You know, it's public student loan forgiveness.

[A]

Some. Something like that.

[B]

You have to go to like a special district for that where it's usually underserved.

[A]

Well, there's a chance that I might go and teach in Illinois too.

[B]

I'm planning on those School districts are completely maxed out. I saw that online the other day. All the school districts that people wanted to do in Illinois that are those law, lower income, underserved communities that will have teachers have their student loans forgiven are all hired. They're hired. I mean, I'm sure there's openings here and there, but a lot of people Go for it. I mean, median pay for teacher salary in the Charleston area is only 58, so you're not going to go up that much higher.

[A]

It's crunch time at work and you need to bring wings to your workday. Visit redbull.com gettingitdone and answer a couple questions about your work style to get a Spotify customized playlist tuned to your productivity. Plus, score a can of Red Bull on us while you go from to do to done. And remember, Red Bull gives you wings. Supplies are limited, terms apply. Visit the website for more information.

[B]

For elementary schoolers, it gets a little lower. 56,430. So your raises, it's not even great. You start at almost where everyone is in the middle of their career, which is not a good sign. It's not a good sign.

[A]

Yeah, there's not a whole lot of return on.

[B]

No there isn't. Which is why I'm confused that you're doing it in the income situation that you're in. Probably because you think because you've never learned the respect for the dollar, you think mommy and daddy will always be there. You've lived a comfortable life, you're not worried about anything.

[A]

I want to not worry.

[B]

You've never had to be worried.

[A]

Well, the thing with going into education is I, I like working with kids.

[B]

I enjoy, I understand the like but you just don't understand what this goes it. So continue.

[A]

Well, I like working with kids and I want to be able to have a career that offers me the kind of work life balance that I want. And I like, I want to be able to spend time with my family and travel and see my friends and go and do all of those things.

[B]

And yeah, you'll get the summer, spring, winter break. I'm sure you'll love that. But the pay kind of comes with that and the pay is you're not going to be living the lifestyle that you are used to. What's your income right now? What's your salary? 60. Right. So you're taking a step down first of all and you're already over living your 60,000. You're probably living like an 80,000 hour lifestyle and yet we're taking a 10,000 hour pay cut. And what world is this happening? Where's sure there's time to travel, where's the money to travel? Like there is a realistic part of this.

[A]

There's a probability that I'll end up serving or bartending while teaching, especially like in the summertime.

[B]

Well then where's the work life balance? Where you could have just got a 9 to 5 better job that has better vacation. Well, that has good vacation. You'll never get three months off.

[A]

But I mean, I like, I like this, the FMB lifestyle enough that like if I were to go back to it just to serve or, or work like that.

[B]

Yeah, but that's not work life balance. You already, in order to do this job that you're trying to justify to get the three months off, you're already destroying your work life balance in order to afford the life that you're doing. So like the logic is broken. It doesn't work.

[A]

Maybe, I mean, maybe.

[B]

Oh, she says she doesn't purchase on TikTok Shop. It's the first purchase on her checking account, by the way.

[A]

I said I don't think I'd done it in a little bit.

[B]

You just did. Yeah.

[A]

All right.

[B]

Okay, good.

[A]

So logic there completely flawed. So I'm assuming that was. What was the amount for that?

[B]

2941. Listen, I know they pay your car bill, but is it in your name or is it in their name? The debt?

[A]

Their name. Okay, it's in my mom's name.

[B]

What do you have?

[A]

I have a 2020 Nissan Versa.

[B]

Okay. You're very lucky, very privileged. You're very spoiled.

[A]

Yeah, I mean, I like to say, well, loved. That's, that's my.

[B]

It is loved. It's just incorrectly loved because they're enabling you and they're not setting you up for success. I mean, look at you at 25, floundering around, not knowing what they're the you're doing.

[A]

They're trying.

[B]

No, no, no, no, no. They're not trying to, not to enable you. They're trying to love you and do what they think is best. They're just wrong.

[A]

I mean, my. When it comes like the car and everything, at some point I'm going to take on the car payment. I don't. They, like I said, they want me to be out of debt before I do that, which I'm very grateful for.

[B]

But yeah, well, also, I mean, mean, it's in their name. I don't care about you taking over the car payment. It's their debt. They chose to do this. Yeah, I don't give a. About that. If it was in your name and they're paying for it, yeah, I'd want you to take that over. But no, it's. It's their car. Yeah, they're just like, they bought it

[A]

for me when I was 20, when I was in college, oiled.

[B]

There's a brand new car. Wow. 21 maybe a little bit of jealousy. That's okay. 170 what you started with in your checking account like what the. What are we doing? And we're gonna While we have that we're doing tick tock shots. McDonald's sphinx and sphinx. What's Sphinx?

[A]

That's a gas station.

[B]

I get you went in and got some twice. $3.05 $2.10. Make your energy drinks at home 25 cents at a serving.

[A]

It was my electrolyte. There's.

[B]

Well there's. Hey guess what in the hot. In the hydration version there's electrolytes 25 cents a serving. Stop with the stupid three dollar purchases. At a gas station people use code hammer.

[A]

I run. I run to the gas. I justify. I run to the gas station. I buy my electrolytes. I run home.

[B]

You can run wherever you want and then make your little thing and shaky shaky, shaky. Slurp, slurp slurp.

[A]

I like running to the gas station.

[B]

Cool. Run there, don't purchase and then have a slurp, slurp, slurp.

[A]

It's not as fun there.

[B]

You're right. You're right. Sacrificing for a better life is not as fun.

[A]

Running sucks in general. So I just.

[B]

Sacrificing for a better life is not as fun. You are correct. Correct. You have to choose what you prefer fun or sacrifice for a better life. Grando Rio Grande. Rio Ulta. Starbucks store. Sweat House. Sweat House.

[A]

So that was a membership that I had that I actually cancelled.

[B]

Well good.

[A]

You probably when I looked through all

[B]

these statements Southern brews Coffee mine Arrow went and got some TikTok Shop Apple door dash you doordash. Doordash over marriage. Reverse phone.com. you searched up a phone number.

[A]

I did. I didn't realize I said that was still charging me. I had. Okay I had someone spoofed my phone number so I was trying to figure out who the heck kept calling me. Don't know some random person in Washington.

[B]

There you go. Some and Jean Sephora brew and Or I think that's a firm maybe or some or Bath and Body works as well. Appleville, Starbucks. Apple Bill went in got an energy drink Second stay of something. It was a restaurant. Father's mustache.

[A]

It's a bar.

[B]

Cinemark Cinemark Dutch rose. McDonald's complains about not having enough money in her checking account. Look at all this is insanity. Dutch Bros. McDonald's tattooed mouse moose Apple bill. Doordash again Doordash or Dunkin Donuts. Baskin Robbins, Huntington Bank, Canva, Duncan Mobile, Cooper's Hawk Heroes, Coffee and Bag, Lyft Zell. Lyft Zell. I was in Whispers Oak, Whisper Zoke. Whisper Zoke, Jimmy John's Around, Cafe Bolero, Duncan mobile app. Benny's Beverage, Domino's, Hallmark, Tus. Duncan mobile app again. Tuscany Kicking chicken, Apple Bill, White Pages. What the is wrong with you?

[A]

I was in Chicago for that. A lot of that time. So I did spend a lot of money when I was out.

[B]

Have you overdrafted this year?

[A]

No, I've never overdrafted that account.

[B]

Well, you said you never made a missed payment, so. I don't know.

[A]

I do know. I.

[B]

Pull up your phone again. Pull it up and give.

[A]

Where am I going?

[B]

Give.

[A]

Have just my phone.

[B]

In general, yes.

[A]

All right.

[B]

I know how to navigate a phone.

[A]

Well, you don't. I thought maybe you were going to my bank app. No, this is a very vulnerable moment for me.

[B]

What are you scared of?

[A]

What are you looking at?

[B]

Okay, you have eating app, a lucid calorie counter, Strava Run, bike walk. At least these are health focus. I called. Plus, I'm okay with that. Teresa aesthetic. Photo app 39.99. You. You. That's stupid. Get rid of that. And photo editor. Get rid of that. I think you've had lose it before as well. And Uncanceled Beauty plus cap cut. Notably smarter. AI note. Bumble Premium.

[A]

Okay. Old. Old.

[B]

Yeah. Back in spring, I said hat.

[A]

Okay, I was gonna say don't. Don't go out there. My relationship.

[B]

Tick, tick, tick to Do. Calendar, Apple tv. You've had every subscription in the world.

[A]

Yeah.

[B]

Hinge Premium. That was late last year. Schmoody Mood and Habit Tracker. My bar cocktail recipes. All right. Drunk Clear wave. And then May 1st year, hinge premium. Bumble Premium again. Bumble Premium again. So many Bumble Premiums. Pixar and Tone.

[A]

The Charleston dating scene is God awful.

[B]

Well, yes, Charleston. You wouldn't think that's where necessarily the hot and youngs are going.

[A]

No, no, Charles, the Charleston dating scene is God awful.

[B]

It's an old person city. Still love it. But.

[A]

But it is an old person city. And the ratio of men to women is God awful, too.

[B]

More women.

[A]

Yeah, it's like a three to one ratio. Yeah. There you go.

[B]

Brandon. Shall we?

[A]

It's hard to meet anyone. I met my boyfriend just doing a. A run club together, which is kind of like the adult version of dating apps. The in person version of dating apps at this point.

[B]

Except half the Time you'll get canceled, but. All right. Total income now is 3750. Let's get your debt. Minimum payments, not including your car. So just a credit card. Cards. The personal one's 152.45. The capital one's 184. The United is 334 and 53 cents. And then 43 goes to the bank of America.

[A]

I would recommend budgeting off of 3400, not 37 after 401k contributions.

[B]

3400. That's fine. Yep. Take the free money. $713.98 goes to minimum payments, which is already disgusting. I know from the 3400 that hits our account, we're talking 21 already goes to debt minute payment payments, none of which are an asset. That's not even student loans. That's nothing. Just credit cards and a personal loan. What's your rent?

[A]

858.

[B]

Utilities?

[A]

I budget 120.

[B]

Is that including Internet?

[A]

Yes.

[B]

We'll call it 130 then. Phone bill?

[A]

Don't have one.

[B]

Okay. When you do do helium. If T mobile's good in that area, it's like 15 bucks a line. Okay. There's a zero dollar plan too, but that's if you don't use that much. But that's fine. You don't. Do you pay for gas?

[A]

I do.

[B]

How much?

[A]

I budget 65 every two weeks.

[B]

Okay. Okay.

[A]

I. It might be a little less because I'm not driving.

[B]

We'll do 130. Car insurance, do they cover that car payment? They cover. Dude, you're in such a blessed position. Necessary food 300. Use the meal plan, use the cookbook, meal prep, warm up, overnight oats, all these different things that you're doing. TP Fund 1 50. You have a little extra room. Takes your parents.

[A]

I mean we.

[B]

Medical health care. Bump that up you. I bumped it up from 100 to 150. Okay. Medical healthcare. Are there any co pays?

[A]

Yes. So I copay. I'm trying to work out with my insurance right now to cover something. So right now I copay like $80 a week for something. I see a chiropractor. Why I have a really bad back.

[B]

Okay. Times 52 divided by 12.

[A]

So right now my back things.

[B]

I think chiropractor. The only thing they've medically been able to figure out is some neck things. I don't think back. They've officially in a medical.

[A]

It's my hips. My spine and my neck are all misaligned. I might have to go see a physical therapist. It's a whole.

[B]

Yeah, probably. Okay, so we're gonna budget 347amonth for that. Jim, how much, though?

[A]

That's just really quickly. That's just.

[B]

How much more?

[A]

$16 a month for one appointment. And then my medication costs me. I think like $40 a month.

[B]

Okay, so medical is 403.

[A]

Okay.

[B]

How much for Jim?

[A]

3199

[B]

subscriptions. Let's try to do 25. Let's try to do 40. I saw Canva as well. Okay. Is there any pets?

[A]

No, I don't have any pets.

[B]

Anything else that needs to be in the budget that I have not put in?

[A]

I'm trying to think. I try and put aside a little bit of money in my budget in case I have any kind of appliance issues. We just had to fix our washing machine.

[B]

No, that's savings. That's emergencies. That's not in the budget.

[A]

Budget then.

[B]

No, separate. That's where you're putting money aside. Let's see how much you have left over. Okay. Anything else?

[A]

No, I don't think there's anything else.

[B]

$2,748.78 and 87 cents. Sorry. Minus the 3400 leaves you an extra. Let's just call it 650. Okay. Let me. Let me give you $50 for fun. It's not much, but it at least gives you a little ro. Room. Let's call it 600 left on a monthly basis. Okay. The bad debt is $17,204.51 divided by that 600. It's not horrible. I mean, it'll accelerate. Well, actually, it won't accelerate after school because your income will go down. You're gonna have to work two jobs when you first start teaching. You're gonna have to do bartending and stuff. But right now this is gonna take basically two and a half years to get debt free. Call it another 3/4 of a year to get a fully funded emergency fund. So three years and a quarter. Three years and three months. Three years. Three months debt free, fully funded emergency fund. You can accelerate that, though, by picking up some extra shifts. Being a bartender now outside of this works. It's hard with school, so probably not. But once you're that teacher, then you're going to go be a bartender as well to at least make what you're making now, but hopefully a little more as well. That'll help accelerate this. Maybe you'll get blessed and have a slightly higher than $50,000 a year teaching job but that's kind of where people are starting. It might even be under because that's median so. So it's a hard place to be in. But three years and three months is not bad for financial audit. Now when we incorporate student loans that is going to be a new minimum payment which is going to make it harder for you to accelerate the process. So I need you to take care of it as much as you can now before that starts hitting because we need to limit our minimum payments. By the time that payment hits, you'll get on the wrap plan so you'll still have a lower payment. But I mean chunky, chunky amount of student loans.

[A]

Yeah. It's not a great amount of money towards my education that's for sure. With student loans paying them back. This is just a question I have for you. Student loans paying them back while you're in school?

[B]

No, doesn't make any sense. Why would you. You have so much debt is going to take longer to pay off by the from when you're in school you have high interest debt that is riskier pay off. Now federal student loans at least has extra protections and hardships.

[A]

Okay, fair enough.

[B]

Okay, I am. I'm gonna do her financial score but remember I'm gonna call her parents in the post show. Get ready for that and I will confront them about this enablement once and for all. Spending in a budget. 0 out of 10 debt, it's not horrendous for your income. It's bad but it's not like the worst that in the world. And that's honestly because your parents they make it acceptable. But 2 out of 10 emergency fund, nothing in savings. 0 10. What's in retirement if anything?

[A]

700. I just.

[B]

10 for starting real estate. 0 out of 10. No 700. It's a 0 out of 10.

[A]

I just started putting into a 401k

[B]

this year hammer financial score rounded up 0.5 out of 10. Click that join button. Three premium shows posted every single day Monday through Friday, including an extra 20 minutes of each episode called the Financial Auto Post Show. Right now I'm going to call her parents. I'll see you there. I just found out in between filming the episode in the Financial Auto Post show that her parents came to the rescue and is bailing her out again.

[A]

They gave me how much they gave

[B]

you so that's like crazy. That's an insane two.

[A]

It's two of those credit cards.

[B]

This is insane. She's never gonna learn. She's never gonna learn. Don't forget to download the new dollar wise Budgeting app. This is officially now the best budgeting app on the market and I'm giving you a special deal to download, but only through March 31st. Take a free three day trial today, test it out and then you get the monthly plan at a 33% discount for the first three months or the annual plan at an insane 50% discount. And with the annual, you get my Budget Friendly Cookbook and my brand new 30 day detailed budget meal plan signed by me and mail directly to you. After March 31st the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial, go to Dollarwise.com or click the link below. Starting a business can seem like a

[A]

daunting task unless you have a partner like Shopify. They have the tools you need to

[B]

start and grow your business.

[A]

From designing a website to marketing to selling and beyond, Shopify can help with everything you need. There's a reason millions of companies like Mattel, Heinz and Allbirds continue to trust and use them. With Shopify on your side, turn your big business idea into Sign up for

[B]

your $1 per month [e-mail] specialoffer.