Pathetic Brat Thinks Shes Hot Sh*t | Financial Audit

Summary

---

Financial Audit: "Pathetic Brat Thinks She’s Hot Sh*t"

Host: Caleb Hammer
Guest: Micaela, 23, Starbucks Supervisor, Seattle
Date: March 14, 2025

---

Episode Overview

This episode of Financial Audit features Micaela, a 23-year-old Starbucks shift supervisor from Seattle. Caleb Hammer dives deep into Micaela’s finances, personal spending habits, and underlying emotional/psychological patterns driving her financial decisions. The main theme revolves around overspending, living beyond one’s means, and the disconnect between wanting financial improvement and actually making the necessary behavioral changes.

The conversation is lively, direct, and at times confrontational, with Caleb holding nothing back as he pushes Micaela to confront the realities of her situation—her mounting debt, self-admitted entitlement, and how her choices undermine her relationship, goals, and future.

---

Key Discussion Points & Insights

1. Background and Income Realities

• Work & Earnings: Micaela is a shift supervisor at Starbucks in Seattle, making about $23.64/hour, averaging ~30 hours a week, with tips bringing her monthly average to ~$2,400–2,700 (04:01).
• Work Scheduling: She desires full-time but cites lack of transportation and store preferences as limiting her hours (01:28).
• Public Transport/Lifestyle: Cites Seattle public transportation as “a little unsafe,” uses Uber/Instacart for convenience (01:33, 42:16).

2. Spending Habits & Overspending

• Chronic Overspending: She admits to routinely spending more than she earns, with last month’s spending topping $3,526 against $2,700 income (04:31).
• "Treat Yourself" Mentality: Micaela identifies as unable and unwilling to stop spending on indulgences, treating herself, and “having fun”—even when it’s at the expense of her financial goals or relationship (04:25, 05:13).
  • “I can’t stop spending. Treating myself, having fun.” — Micaela (04:25)
• Denial and Minimization: Downplays how much she’s actually spending and often guesses much less than the real number, appearing shocked at the actual totals.

3. Debt & Financial Products

• Credit Card Reliance: Multiple store and generic credit cards, often over the credit limit (Ulta, Mercury, Mission Lane, Credit One, Plus One).
• Buy Now, Pay Later: Frequent heavy use of Klarna, with $1,054 balance, used for both groceries and non-essentials like coach purses (36:00, 47:57).
• Personal Loans: An Upstart loan was taken to escape a difficult living situation (69:03).

4. Rationalizing and Emotional Triggers

• Justification for Spending: She repeatedly justifies purchases as “worth it” for her happiness, self-image, and “hobbies” (25:41).
  • “It’s worth it to me. Like, not as much as I love my boyfriend, but it makes me happy.” — Micaela (25:41)
• Points & Rewards Delusion: Clings to Ulta’s points as justification, not realizing the actual math is heavily negative due to high interest (31:56).
• Addictive Patterns: Describes shopping (especially at Ulta) as “addicting,” owning up to habitual, emotion-driven consumption (26:39).

5. Relationship Tensions and Goals

• Marriage Ultimatum: Her boyfriend refuses to propose until she gets her finances in order (05:13).
• Living Together: Despite poor financial habits, cohabiting and sharing expenses; two-year lease recently signed (05:30).
• Misaligned Priorities: Caleb forcefully points out that her spending is repeatedly chosen over her relationship goals.
  • “You are choosing Ulta over him.” — Caleb (17:05)
  • “You are choosing your desire for sweet treats over your engagement.” — Caleb (54:03)

6. Historical Context & Excuses

• Past Trauma: Recalls a controlling/exploitative ex-boyfriend who stole from her and had drug issues. She links some of her financial disorder to this period, but Caleb challenges her to stop using old pain as an excuse for current choices (10:03, 13:54).
• Repeated Justifications: Attempts to evade responsibility by referencing past victimization, but Caleb pushes for ownership of current actions.

7. Reality Testing and Wake-Up Calls

• Math of Debt: Caleb walks Micaela through the actual costs due to interest, showing how purchases end up being several times their price.
  • E.g., $40 makeup item ultimately costs her $283 with minimum payments and accrued interest (22:15).
• Minimum Payments Trap: She repeatedly claims she’s staying on top of payments, but the reality is she’s continually maxed out and paying mostly interest (40:13).
• Budget App Intervention: Caleb demands she use his budgeting app and classes to start confronting reality (21:06, 48:56, 73:45).

8. Structural Obstacles

• Transportation: Not driving (by choice/anxiety), relies heavily on Uber/Instacart—greatly increasing regular expenses and financial inflexibility (01:31, 42:16).
• Housing Instability: Past moves, odd living arrangements, and a strong desire for autonomy complicate her cost structure and budgeting.

9. Mindset, Entitlement, and Resistance

• Self-Described Entitlement: When confronted, she blurts out:
  • “Well, I’m, I deserve it. I’m worth it.” — Micaela (00:25, 40:48)
• Deflection and Blame: Attempts to blame enabling by her boyfriend, then admits it’s ultimately her choice (44:47).
• Refusal to Change: At several points, openly states she doesn’t intend to stop, even with increased knowledge.
  • “If you saw you were over the budgeted limit for Ulta on a monthly basis… would that stop you?”
    “No, it wouldn’t stop me.” — Micaela (29:11)

10. Future Prospects and Planning

• Career Goals: Wants to become a wedding planner, but Caleb notes her financial instability makes this currently impossible (59:29).
• Action Plans: Caleb offers certification and budgeting support if she’s willing to follow through. He insists actual behavioral change—not just education—is needed (81:02).
• Bleak Projections: At minimum payments, some credit cards would take 6–9 years to pay off, with no discernable savings or investment path (62:43).
  • “Nine years until you can get engaged. How does that feel?” — Caleb (62:43)

---

Notable Quotes & Memorable Moments

• "I can't stop spending. Treating myself. I just... I deserve it. I'm worth it."
  — Micaela (00:16, 00:25, repeated throughout)
• "You spent $800 more than you brought in last month… so obviously, you give more of a shit about sweet treats than the marriage."
  — Caleb (05:38)
• "You are choosing Ulta over him. You're choosing your beauty over your guys being together."
  — Caleb (17:05)
• "No, you're over the credit limit, you dumb tits. That's what I am saying."
  — Caleb (18:04)
• "Are you willing to spend $208 on it? ...No. Well that's what you're doing because after the interest accrues... mathematically, that's what you're paying."
  — Caleb (21:50)
• "The damage isn't done. You're doing the damage every day. The damage is endless, man."
  — Caleb (24:01)
• "Why even be with him? ...That is why, put him through that?"
  — Caleb (40:50)
• "You're making it worse. ...You are going to be, at 25:30, battering down the hatches because of the hurricane you have created right now being a spoiled brat."
  — Caleb (45:46)
• "You are not worth it to your life."
  — Caleb (41:55)
• "You're a child. I'm borderline done with this conversation... It's so stupid."
  — Caleb (66:40)
• "I'm just young and having fun."
  — Micaela (57:52)
• "No, you're not. You're 25. Almost."
  — Caleb (57:53)
• "If you're happy with this life, you're never going to change. But you should not be satisfied because your life is not good."
  — Caleb (45:42)
• "You can't afford a dog. It's irresponsible for you to have a dog."
  — Caleb (77:06)

---

Timestamps for Key Segments

• Income & Job Overview: 00:46–03:44
• Overspending Admission: 03:54–05:13
• Boyfriend/Marriage Ultimatum: 05:13–06:18
• Excuses & Backstory: 07:04–13:54
• Ulta & Debt Math Game: 17:05–24:36
• Buy Now, Pay Later & Klarna: 36:00–40:04
• Financial Therapy and Entitlement: 40:48–45:42
• Shopping Addiction Discussion: 25:41, 26:39
• Budget App Intervention: 21:06, 48:56, 73:45
• Living Situation and Transportation: 01:28, 42:16, 43:09, 79:48
• Drug Use & Spending: 78:09–79:38
• Bleak Financial Projections: 62:43
• Wrap-up & Reflection: 73:07–End

---

Overall Tone & Reflections

This episode is a stark, unvarnished portrait of financial self-sabotage, enabled by a powerful mix of consumer culture, emotional insecurity, and entitlement. The host’s tough love approach, peppered with mockery, exasperation, and humor, attempts to strip away excuses, force accountability, and ignite some form of wake-up call in Micaela.

The key takeaway for listeners: Changing your financial life requires more than desire or knowledge; it demands brutally honest self-reflection, the willingness to break addictive patterns, and concrete, consistent discipline.

---

Transcript

[A]

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

[B]

I have gone through a lot of different boyfriends, and I finally found the one. I want to be independent in a way. I don't need to rely on him.

[A]

You gotta take care of your lazy, spoiled who won't stop spending money they don't have.

[B]

I can't stop.

[A]

Stop what?

[B]

Spending, Treating myself. I just.

[A]

No, he's taking care of it. Can't rely on you to save anything.

[B]

Well, I'm. I deserve it. I'm worth it.

[A]

Download my new simpler budget app today and take control of your money once and for all.

[B]

Hi, I'm Micaela. I'm 23 years old. I'm from Seattle and this is Financial Audit.

[A]

Thanks for coming in from Seattle. That's a far little journey. What do you do for a living up there?

[B]

I'm a supervisor at Starbucks.

[A]

Of course you are. That is as Seattle core as it gets. Starbucks can actually be a pretty damn good place to build a career sometimes. I know they're going through lots of union things and some places are getting shut down and lots of Starbucks. Starbucks layoffs actually just got announced this week. Like a thousand people.

[B]

Yeah, I saw it in corporate.

[A]

So how much are you making?

[B]

I make 2364 and Seattle, 23.

[A]

And I'm for a manager.

[B]

Well, I'm just a shift supervisor.

[A]

Shift supervisor. How many hours a week do you work?

[B]

I want 40, but I get more like around 30.

[A]

Why? Why do you think?

[B]

Well, I could work at different stores.

[A]

Yeah, why wouldn't you?

[B]

I don't drive, so. So that kind of, like, keeps me in my.

[A]

How's the public transportation where you are?

[B]

It's okay. A little unsafe.

[A]

How unsafe? Well, what, are we going to use that as an excuse? Like, I don't. I know you're in, like, a big radius because we're not going to give a specific location, but, yeah, I'm going to need to.

[B]

I mean, I used to believe you a lot more. Right now, my specific area where I'm at is kind of on how far.

[A]

Away is another store? How many miles? If you drove, how many minutes would it be? Well, if you drove, 13. Cool. I bet an Uber ride would pay for the extra, you know, 10, 20 hours you pick up a week. Yeah, well, so there we go. I've solved your issue.

[B]

Yeah.

[A]

Okay.

[B]

I.

[A]

So what's. So why do you settle for that?

[B]

Well, I've worked at the other stores in my area. They kind of suck, honestly.

[A]

Okay, well, your shift supervisor make Them better?

[B]

Well, I tried. I worked on one of them for two years actually and left because it was so horrible. But. And the other one, my store was getting remodeled. I had to go to. And it was. Yeah, just an experience I did not have fun at.

[A]

So how much comes in through payroll on a monthly basis?

[B]

Well, I think it kind of fluctuates up and down because I get tips on my paycheck. So.

[A]

Yeah, so they tip into the store and then it gets evenly distributed.

[B]

Yeah. So cash. And then also they just introduced like the credit card tipping in the last couple years. So yeah, that has actually increased so much. Like our tips. Like I get an extra like $500.

[A]

Feel obligated.

[B]

Yeah, yeah, for sure. Literally everywhere but. And it's awkward. Like in the drive thru we have to like pass them the thing and I'm like, there you go.

[A]

I was going to ask you a couple questions. Uhhuh. Great. Yep. You're one of those wonderful. We all love that. Cool. So what hits your account on a monthly basis?

[B]

Normally average about 24.

[A]

Okay. I had 27.

[B]

Oh, okay, cool.

[A]

But 24 is average.

[B]

Yeah.

[A]

So you had a little over.

[B]

Cause I think I have been working a bit more. Like.

[A]

Well, what's changed?

[B]

The hours like fluctuate, like just how busy we are and how much like the store like gets allocated for labor.

[A]

Okay, so you made 27. But let's just say you make 24 normally. But whatever. We had a little. If you make more a month, maybe you're allowed to spend more. Maybe we're allowed to put more savings. That's okay. How well did you spend in the last month?

[B]

All of it.

[A]

No. What did you spend in the last month?

[B]

Probably 2800.

[A]

So you're okay with spending 100 more? Why would you say that? Why would you do that if you know you spend more? Why are you okay with that?

[B]

I'm not okay with it.

[A]

Then why do you do it? Because that is an action that you are doing.

[B]

Yeah, I can't stop. I don't know.

[A]

Can't stop. What is can't stop?

[B]

I don't want to stop.

[A]

Stop what?

[B]

Spending, Treating myself, having fun.

[A]

Okay. No, it was 3526 by the way. So it was completely like. It wasn't even close. Even though you made more, you still spent $800 more than came in. And you spent a thousand $100 more than normally comes in. So can't stop leads to an extra 800. That's a lot of can't stop. How do you not know the number?

[B]

I don't know. Honestly, I'm really surprised it was that high. I think maybe Christmas. I don't know.

[A]

Christmas? No, we're beyond Christmas. We're beyond Christmas. I've heard that a lot in these talks. We're at the end of February. We're beyond Christmas. Christmas is done.

[B]

Yeah.

[A]

Why are you here? What's going on?

[B]

Well, my boyfriend will not propose to me until I get my finances in order. That's not how we want to start a marriage.

[A]

A time crunch. How long have you guys been together?

[B]

About three years.

[A]

Yeah?

[B]

Yeah. And we've lived together now for over a year. And we just signed it. Yeah, he's in the lobby.

[A]

Really?

[B]

So we just signed a two year lease together actually like last month. Have you guys lived together for a year already? So in the same place. We just extended our lease.

[A]

So he'll share a contractual agreement with you. But okay. In a marriage, I mean, that's fair. If you don't get your. But you spend 800 more than you brought it in on last month or a thousand one hundred more than you normally do. So obviously you give a more. You don't give a About the marriage. You don't get about the proposal. You care more about sweet treats than the marriage. I mean, that's what your actions are leading to. So what do you mean that that's why you're here? I can't stop you. I can get you a tool. You spent 800 more than you brought in. Yes, you can get a sweet treat together. Maybe he pays for it. Yeah, maybe you pay for it within a budget. I mean, I don't. What are you talking about?

[B]

Yeah, I don't know. To be honest, I. I think I'm embarrassed by spending that much and I just. Yeah, I really.

[A]

Why haven't you changed anything? Because that's a lot of cop out talking. That's a lot of like, oh, I know I am. Or I'm just embarrassed.

[B]

Yeah.

[A]

Why? Why are you dig deep? Well, I want to have something to work with.

[B]

I have gone through a lot of different boyfriends and I finally found the one that I want to be with. And I think this is what I need to do to get my life together.

[A]

And why are you just flying through? I guess we all fly through different people until we find her one. I don't. How does that impact this? What a statement.

[B]

So me and a boyfriend met in high school. Ex boyfriend.

[A]

Wait, you're 23. Okay, so like five years ago.

[B]

Yeah. So probably were around 16. He was actually. I was sophomore, he was senior.

[A]

And that's what Twitter will say.

[B]

Yeah, but we. I don't know. At least I wasn't a freshman. So he actually got expelled right after we met, and he would come to meet me at the school.

[A]

Oh, maybe he actually is a PDF.

[B]

Yeah, maybe.

[A]

So he was just overblown. What did he get expelled for? I guess that has nothing to do.

[B]

With this, but bringing brass knuckles to school.

[A]

What the. It's Seattle.

[B]

He never worked our whole relationship, even though he was a.

[A]

You were a sophomore, he was a senior. I don't.

[B]

Okay, so I took care of him our whole relationship.

[A]

You, a sophomore, you took care of him?

[B]

Well, I worked two jobs as soon as I turned 16.

[A]

So because you took care of him, now you're okay with your fiance taking care of you and not putting in the sacrifice necessary to get to the place where he would actually become a real fiance? Is that what you're trying to say, or what are you trying to say here?

[B]

No, I'm just saying that. I mean, that would be nice, but that's not my.

[A]

Tells me that's not what he's looking for, or else he would have popped the ring.

[B]

Yeah.

[A]

The question. Okay, Are you guys aligned on what you're looking for? I guess we can make. Maybe bring him in at some point. I don't know.

[B]

Yeah, well, we're. We're pretty aligned, like, I think.

[A]

Are you sure? Because you aren't changing the habits that are preventing you from doing the thing that you both want to do. And then you just told me it would be nice if he just took care of view. Why are you talking about this ex relationship? What does it have to. What?

[B]

Well, I just. I spent so much money on him that, like, that's kind of where.

[A]

How a sophomore in high school. Well, a sophomore in high school is where all your dad came from. What are you talking about?

[B]

I was working, like, two jobs and.

[A]

Like, as a sophomore in high school?

[B]

Yes.

[A]

Okay.

[B]

And so I dropped out every year of high school, actually.

[A]

You dropped out of high school?

[B]

Yes.

[A]

Every year?

[B]

Um, yeah, my freshman year.

[A]

You just go back and they're like.

[B]

Okay, yeah, yeah, pretty much. Freshman year, I moved to a different state, from Connecticut to Washington, and just stopped going. The last like, four months, they passed.

[A]

Were you able to go to the next grade when you came back?

[B]

Yeah. And then.

[A]

So is this, like a cheat code that you could just, like, drop out halfway through the year?

[B]

Education was a little bit more advanced than what the Seattle requirements were so they actually had no problem moving me along. I don't know. The high school I went to was not that nice.

[A]

Are not in a good blaming this for how you got in debt as a sophomore. I'm so confused on that.

[B]

So I would.

[A]

Please say what you're trying to say. Sorry, maybe I'm just interrupting you. No please, what are you trying to say?

[B]

I basically just took care of this ex since I was 16. Had two jobs, gave him all my money. He would have my card spend on it.

[A]

He would just spend on your car? Yeah, he's senior that drop a expellee would use their sophomore girlfriend that works two jobs and just spends all her money.

[B]

And I just kind of thought he loved me so I thought it was okay because my ex had pretty much stolen like all my money from me. It was. It was really hard to kind of move on from that. Okay, so he had like a drug addiction and which one? My ex boyfriend.

[A]

Well hold on. It sounds like I don't know which one is an ex boyfriend.

[B]

Sorry. So the one I was with out of high school.

[A]

Okay. Okay.

[B]

Yeah. So he had like a drug addiction going on. Oh and his mom was also doing it with him. It was kind of a screwed up situation.

[A]

Kind of weird world. Let's talk about student loans. I know it's something we all want to avoid talking about, but if your private student loans are crushing you, why Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and ability to repay. That's a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a cosigner release program so your mom or dad can step off the hook. Y Refi is known for personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private loans are burying you, it's time to reach out. Why Refi wants to help you climb out of debt to not push you further in it. Check them out at yrefi.com hammer that is y r e f y.com ammer or called 888 y refi 78 that is 888 y refi 78 break free from the high interest trap and get Your finances under control once and for all.

[B]

I had given him my card to go and get groceries or something from the store and all of the money off my account was gone. And I had like no idea what happened happened. He came home, completely denied it, said he just brought like bought the groceries that he had brought home. And so I called Safeway and I was like, where is my money? Like what's going on? Like this transaction was hundreds of dollars and my boyfriend did not spend that much. And so they were kind of investigating, told me to like come back in and they showed me the footage of like him at the self checkout getting the cash.

[A]

Really?

[B]

Yeah.

[A]

And were these like cash advance advances from a credit card?

[B]

Were these pulling from my checking account at the time? Like cuz I think I was probably too young.

[A]

So again, I'm a little confused why this is a. I'm in my debt because of this situation. Because it doesn't sound like. It sounds like he was a person. This doesn't sound like any reason that you're here though.

[B]

Yeah, well. And then I was opening a lot of credit cards at that time when we had moved in together.

[A]

So you were 18 at least.

[B]

Yeah, I was 18 when I opened probably four or five credit cards.

[A]

Why haven't you fixed if you broke up with him four years ago? Why haven't we fixed anything since then? Especially now that we've been in a relationship for three years with someone who wants to marry you but won't because you want to get your together because you're prioritizing sweet treats over him. Why haven't you fixed a single thing?

[B]

I want to, but it's just like.

[A]

Do you want to though? Because I talk about this and you immediately go to stories from five years ago. Do you want to? Because your actions showing you want to. You spent $800 more than you brought in $1,100 more than you normally bring in on a monthly basis. What do you mean you want to. You know, you spend more money. You acknowledge that you thought you spent $100 more than you make on a monthly basis. Want to. Not seeing want. Where's the want? No, you want sweet treats. That's what you're doing. What do you mean want? You know what the word want means?

[B]

I mean, but I also just want to live a good life and I want to be marriage. Be a good life. Yes. But I'm also young and in my 20s. Like I want to be able to do so you don't want.

[A]

So you're. You're prior that over him. You would rather have that.

[B]

Not necessarily.

[A]

Should we tell him that? Should we bring him in and you tell them that? No, because that's what you're doing and that's what you're saying right now.

[B]

I mean, I feel like you can have a little bit best of both worlds. Like, we do a lot of things together, we go on trips together.

[A]

Sure. But you're talking about your independence. That's what you were just talking about. You weren't talking about together. You only brought up together once. I pushed back against you. Huh?

[B]

Yeah. Well, I think because I've been in relationships since I was so young, like, it can feel good to think about doing things on my own as well. Like I want to be in a relationship. I want to be married. But independence is good too.

[A]

I agree. It's important to have like, you know, good independence here and there and. Absolutely. But again, you are choosing that over your togetherness. Completely. Yeah, because it is one or another. And at least this ultimatum that's been given to you and you are choosing that.

[B]

I think. Yeah. It's just been.

[A]

So you do not want to. And if you do, it's a small want. And obviously your want of yourself and individualism is higher.

[B]

I mean, I. I don't think so. Like, I want to be with him. I just. You say money.

[A]

Okay. But you want that more because that's what you're doing. You're choosing that over. Yeah, there we go. You just admitted it. Should we tell him?

[B]

I can't deny, because obviously.

[A]

So we should tell. So we should tell him. No, I think we'll. I think we'll eventually have to tell him. Where do you think you are in the world of finances? 0 to 10, 0 being the absolute worst, 10 being the absolute best. Where do you think you are today? Self assessed.

[B]

Probably two.

[A]

Okay. If you want your Hammer Financial score, go to the link in the description below. You can go to calebhammer.com and check out what you. Where you are in the world of finances. It's free. It's a fun little quiz and we assess you there. If you want to come on the show, come down to Austin, Texas and get a little financial beating. Have a good time. Just go ahead, go to caleb hammer.com apply. We'd be happy to have you here. Okay. Alta. Oh, my gosh. What is it? Everything. Why People that go to Ulta Man. People that go to also, they're always. What's so good? You're. You're above the credit limit. So good. That's good. Jeez. Every time anyone goes to altar has an altercard, you know it's about to be a episode. So good. And you rather be over again. You're choosing Ulta over him. But we're choosing Ulta over him.

[B]

Beauty.

[A]

You're choosing your beauty over your guys being together.

[B]

My beauty. So it's like, I think he likes.

[A]

You for you, or else he wouldn't be willing to propose.

[B]

True.

[A]

Mm.

[B]

But I just think that's it. Add on.

[A]

Beauty is great. Do it. I want you to feel confident. I want you to feel great. You're over the credit limit there. What? What the are we doing if we're over the credit limit? That's a completely different world we live in versus you paying it off or even having a little balance. I wouldn't suggest. I wouldn't support that. But you're over the limit.

[B]

I do have a little balance.

[A]

Well, guess what? You don't. You're over the credit limit.

[B]

Pay the minimum every month, and then it, like, takes out, like, the fees or whatever, and then I have, like, $60 to spend.

[A]

That's so horrible, though, because the interest. Hey, hey. Because the interest on here is so. And it doesn't matter regardless, because you purchased $71.17. Huh.

[B]

Well, that's still something, huh? Like, you can buy some $17.

[A]

No, you're over the credit limit, you dumb tits. That's what I am saying.

[B]

Well, yeah.

[A]

And no, that is not acceptable. That is what a child does. Okay, you owe $1,741.90 on $1,700 credit limit. Great. I'm glad we're choosing this over him. It's important that you keep realizing that actual reality. With an $88 minimum payment, which, by the way, these will stack up like crazy. How long does this take to pay off? Just minimum payments without purchases, which you're incapable of, but go ahead.

[B]

Maybe six years.

[A]

Okay. It takes six years. Yes. And of course it's Ulta. And it's also.

[B]

I mean, it's just. So we're gonna play easy, and it's just like.

[A]

It is easy. That means you can't be.

[B]

You can get your brows done. You can go get your hair done. I used to have pink hair. I got it done there.

[A]

Oh, wow. So.

[B]

And it was so easy.

[A]

Like, easy. Who gives a f. Look, it didn't stick around anyway. Now you're blond. It. Is it a fake blonde? We'll never know. Who gives a. Doesn't matter. Only you acknowledge it. Doesn't matter. No one gives a F. Who cares about the little purple above your eye? I care about you guys being able to live a good life together and not become one of the criminals that you're afraid of when you ride public transportation in your area, apparently. So let's play a little game. Gonna bring out. I just want to assess your level of desire for actually purchasing. All right. Some little brushes and stuff, right?

[B]

Yes.

[A]

Very excited. We know you got this here. Don't flip it over. You go ahead, tell me. Tell me right there, what you think that is worth to you in terms of a financial amount that you will spend on that. Tell me, go ahead.

[B]

Like a number?

[A]

Yes, a number. What else would you put? Okay, you would spend 12 here. We got a little cremage. We're creaming. We got some visibly smooth pores. So exciting. What would you spend on this? She says $40 here. Here we go. We got some twinkle strips. You're gonna have to tell me what this is that you got.

[B]

Highlighter. And then like you can also put it on your eyes and multiple.

[A]

How much would you spend on that? Very important. $20. That's what it's worth to you? That's what it's worth to you? That's the max you'll spend on it?

[B]

Yeah.

[A]

Okay, here's mascara.

[B]

Well, yeah.

[A]

What's the max you'd spend on that?

[B]

Like the mini one.

[A]

What's it worth to you? Sure. What's it worth to you? Okay, what's your max you spend on it? Go ahead, what is it? Okay, so the max you spend on these little morph bush brushes.

[B]

Morphe.

[A]

Are $12. First of all, you spent $28 on it. You know that? Know that?

[B]

No, I almost don't believe that.

[A]

Okay, listen, you do not get to leave the studio, neither does your boyfriend until you download the simpler budget app. Because at least you guys get the premium version for free. They get a multi week trial, but you get it for free. It will automatically tell you how much you spend on Lush. You could have a lush category and it will automatically connect your accounts and tell you. Okay, Then there's the community functionality in there where you can chat with other people and start your own threads, ask questions, all that stuff. Yes, you can start an altar thread because there are people absolutely in there. Absolutely. Use the automatic features. We want to make it the best budgeting app we can. So download it. It's like the easiest thing you could possibly do. So you spent $28. Are you willing to spend $28 on this?

[B]

No. That's pretty sad.

[A]

Are you willing to spend $208 on it?

[B]

No.

[A]

No. Well, that's what you're doing because after the interest accrues with your minimum that you put towards it, mathematically. Oh. In the end you are spending $208 on these dumb little brushes. Yeah, that's right. $40. It's the most you spend on this, right?

[B]

Huh?

[A]

Yeah. $44 is what you spent. Are you okay with that?

[B]

I mean. Yeah.

[A]

Yeah. 283. How about that? Cuz that's what you're actually spending on it. 283. You okay with that?

[B]

No. I'd rather have much nicer than 280.

[A]

I agree. Guess what? This is what you're actually doing though. This is where your decisions are leading you.

[B]

Yeah.

[A]

$20 on this highlighter thing. You nailed it. $20. How much do you think you're actually spending on though, in reality, actual math?

[B]

140.

[A]

148. Correct. And you're okay with that?

[B]

No.

[A]

How many could you get in that? Huh? Huh? How many could you get? How often do you have to replace this? Well, how many have to replace this?

[B]

No. Maybe like every six months.

[A]

Cool. You could get 7.4 of these. 7.4. We're okay with it. Okay. You are okay with spending 15. You sent 16. That's okay. How much did you actually spend? How much you actually spending on this? 170. 100 and 1900 and 19. Another 7.4. Math works out either way. You could be getting so much. You are choosing not to. You're choosing to delay everything and it's pointless. You're also choosing to delay your engagement.

[B]

Yeah, I mean I. The numbers are hard to look at. I mean, I. The damage is done. I. I don't know. I mean I bought like a Dyson hair dryer. It was $500. Damage is.

[A]

The damage isn't done. You're doing.

[B]

But I use it every day.

[A]

Damage is done. The damage isn't done. Exactly. You use it every day. The damage isn't done. No, no, no. You're spending every day across the board on all these. We're gonna go through so arguments here. The damage isn't done. The damage is getting done. You're above the credit limit. You're above the credit limit. The damage isn't done. The damage isn't done. Until this card is paid off because you're accruing interest on it. The damage is endlessly hitting you. This is endless damage, dude.

[B]

Yeah, it's just. It's just nice to have these things. Like, it's, like, comfortable.

[A]

It sure is. And you could have had 7.4 of them for the price you're paying for them over time. I'd say that's nicer. I'd say you being able to get engaged is nicer. Well, this is pretty exciting for the world of financial audit. Something big, Mar. Nearly 60,000 of you have downloaded my budgeting app, Simpler Budget, in just a few weeks of its launch. And let me tell you, we've heard amazing feedback. People are enjoying the automatic account connections. People are enjoying the community chat. People are enjoying building their budgets, sticking to it, and actually changing their lives, finally, for the first time. So download the Simpler Budget app today. Join the 60,000 people who are literally changing their lives for the first time. Literally. This gives you control of your financial future once and for all. So download Simpler Budget today. And remember, anyone who signs up for the annual version of the app at a massive discount, you also get shipped this Simpler Budget notebook, which will be personally signed by me. So check it out. Download Simpler Budget today.

[B]

I mean, I just feel like it's. It's worth it to me. Like, I love these things. Like, not as much as I love my boyfriend, but it just makes me happy. Like. And why wouldn't you want to be happy? This is my hobby.

[A]

Where'd you put just the blow dryer on?

[B]

Where? Like, yes.

[A]

At Ulta. So $500. And we know how this math works out. Yeah, you spent 3,700 on that total because. And you definitely haven't hit that totally. Yet. That's what it's gonna cost over the course of forever, Especially when you're over the credit card limit. And no, you don't prefer your boyfriend over this. You're not putting him over this, or else you would put him over this. The damage is endless, man. It's the interest accruing. It's the fees accruing. No fee this month, but you're about to get them the interest. Last year alone was $530. And it's only gonna get worse.

[B]

It's just so addicting to spend. Like, just go in there, grab a basket, and just fill it up. With what exactly?

[A]

I see your little sweet treat, and I know. But guess what? That is why you are not a credit card person. You cannot have credit cards. You can't have access to other people money.

[B]

But I also don't have the money to buy a 500 blow dryer, which.

[A]

Means you cannot afford it.

[B]

But I want it.

[A]

You do want it. But if you can only use other people's money to afford something, you cannot do it because you're delaying your entire life. You are for your future self. If you guys have a kid together, you are your kid. And that doesn't sound right, does it? No, no. Those sequence of words. No, it does not.

[B]

It does not.

[A]

You can use the Fizz card because at least it builds credit. I'm sure you care about that. But it is only a debit card.

[B]

Credit isn't horrible. I mean, it's gone up and down, up and down.

[A]

I'm sure it's down right now because again, you're above the credit limit for Ulta. So you go in there and endlessly book the services as well.

[B]

Well, yeah, like the eyebrow waxing and, like, tinting.

[A]

Are we doing this? What are we spending on this? I promise you, he doesn't care though, as much as you think he does. Unless that was just a cope.

[B]

I mean, it's like $50 to go and get them, like, waxed.

[A]

How often?

[B]

Like, maybe I'll go, like, once every couple months. And then I'll like, maintain at home with men's beard.

[A]

Just maintain at home. Just meant just maintain at home.

[B]

He doesn't give a. Yeah, I mean, but it's just also, like, fun to go in and be, like, pampered and, like, you know, you keep bringing lotions. Body wash. I smell good.

[A]

I get why you keep bringing up this fun thing. Like that negates this, though. I understand the why. We all know it's fun. There's so many fun things that I like to do. Doesn't mean they're good.

[B]

I just don't know how to stop. Like, some of this stuff is just, like, basic. Like my razors, my body wash. Like.

[A]

Listen, I didn't fight against those. But even still, not on a credit card that is maxed out. You're telling me if you saw in the simpler budgeting app that you are over your category, you wouldn't care?

[B]

I mean, I just don't have the cash.

[A]

But that wouldn't stop you. That wouldn't stop you. You said I couldn't stop. That wouldn't stop you. Well, if you saw you were over the budgeted limit for Ulta on a monthly basis.

[B]

No, it wouldn't stop me.

[A]

Then what's the point? Then what's the point? What are you ever gonna do to achieve this goal with him? What are you ever gonna do? How are you ever gonna get there?

[B]

Well, I Think I do need to restrict myself in some ways.

[A]

Yes, but how are you going to. It's not. Seeing that you're going above a limit that, that you alt is not one of them. So you're not willing to compromise on alta. What aing statement. You realize what you just said?

[B]

It's my. My favorite credit card. Like, that's the one I favorite.

[A]

It's a credit card. Who gives a says anything that you're getting?

[B]

I mean, I got it like right after the day after my 18th birthday. It's like kind of.

[A]

There's nostalgia associated with Sephora.

[B]

I only shop at.

[A]

I. I don't know how to get past this. I don't care. I don't care. I don't. I don't care. I. Oh my gosh. I don't care if there's nostalgia. It's a piece of plastic. It's a piece of plastic. This is the stupidest thing I've ever heard.

[B]

It's been like orange though. It's like, I don't give a.

[A]

Okay, you're being a. With this. You're being a.

[B]

And like the, the point system, like, it adds up. And then do you get free stuff?

[A]

And like, yes, I get that. That's good.

[B]

If I a credit card member, I get two times the points. So like.

[A]

Okay.

[B]

Like, I bet.

[A]

Like, what are you gonna bet? What are you possibly gonna bet? What are you gonna bet?

[B]

I could get all of this stuff with points?

[A]

Like, then why are you over the credit limit? That's interesting.

[B]

Well, because you have to spend money to get the points.

[A]

But if you're getting all those points, it should be able to pay it off completely.

[B]

Well, if I get the points from the beauty services, then, like, I could get these.

[A]

But you're over the credit limit, so obviously that is not working.

[B]

You're always.

[A]

What the you talking about? How many points do you get for a dollar purchase? Do you know? Because it doesn't say it on your card.

[B]

I think it's two. I mean, I don't know. I don't know.

[A]

You don't know?

[B]

No.

[A]

So you're really trying to justify it with the thing you don't know? Yeah.

[B]

Yes. I mean this, like $125 off of something.

[A]

Like, what is. What do you mean? Well, like, what are you talking about?

[B]

Save that many points. I could get 120 off. Like, how.

[A]

Okay, there we go. But how many points do you get with a purchase?

[B]

I don't know.

[A]

But are you base, platinum or diamond?

[B]

Probably base.

[A]

You don't even know.

[B]

I can only spend it at Ulta. So, like, I think it's just the base one.

[A]

So this one. $25. How many dollars do you think you have to spend to get it? I have the math in front of me.

[B]

70.

[A]

I looked it up. $72,000. Oh, I hope you're hungry for nothing.

[B]

I did the math wrong. I think I meant 700.

[A]

Your point thing is the most moronic bull I've ever heard in my life. You. That's so stupid. 125 divided by 2000. What do you think the math's gonna be? You're gonna get a potential 6% return. That's not horrible. In terms of a card, guess what you're losing. 30.74. What's a higher number? Six or 30? Hey, what's a higher number? Six or thirty? Don't be a dumb 30. Yes. So maybe the points don't matter. Even if you're a Platinum member. You get probably about 7%. 7.5% cash back. Okay.

[B]

Oh, is it based off of how much you spend in a year? I remember one year I spent like a.

[A]

Yes.

[B]

So they bumped me up to the.

[A]

Platinum is 500, diamond is 1200.

[B]

Okay, so I think I'm even still.

[A]

You're probably getting like 8% cash. Depends on which. For a credit card is not bad. But what's bigger, eight or 30.

[B]

Still 30.

[A]

Yes. And you're gonna get fees with these or the limits. Lady, this is crazy. This is so stupid. You download this damn app now. I swear you do not leave again if you. If it doesn't even matter if you see yourself overspending your ulta.

[B]

I want to pay it down, though, so that I have the money to spend.

[A]

Your Ulta account. Do you have. I bet you have it.

[B]

Oh, yeah.

[A]

Is there a special little thing? Let me see it. Kill me now.

[B]

Oh, look. 21 days of beauty. There's a sale.

[A]

Your points is a dollar per purchase. Though it's a. Well, dollar and a half now. For you.

[B]

My last purchase.

[A]

Please. Oh, my gosh. It just shows you. Sales, sales, sales. No, I don't know how to. You have something in your bag. You have something in your bag. Are you kidding me? Listen, this 44. Stupid little moisturizer. Hey, it is that. And guess what. Hey, guess what. Guess what? That one you're gonna pay for could pay for 7.4. We did the math, lady. Oh, no. What is all this? Saved for later. Hydration Face whip, Sunscreen mousse. Oh, my.

[B]

That's just so fun.

[A]

Travel size better than sexual. Brow pencil, backpack, scrub stick, almond avocado moisturizer. What is all this? Oh my. It's endless. It's nearly endless. Can I see your damn purchases?

[B]

Yeah.

[A]

Well, you're gonna have to tell me how because I don't know how to it. I don't know how to use this. Save my life. I'm glad.

[B]

I don't think it shows the in person ones though.

[A]

Oh, your fault. That's not true. I was kidding. Yeah, okay, those four things that we saw there, then you got some.

[B]

Well, and also like by my like boyfriend, like I bought him.

[A]

This is crazy.

[B]

Really nice cologne. It was nice to put it like on that.

[A]

This is crazy that just this within itself. You do this like once a month. Just that? Yes. No, stop. I'm saying it's crazy that you do that once, once a month and it's over, maxed out. That's insane. You are so irresponsible. You just don't pay for what you put on it. Or else I would allow it.

[B]

It's just so easy. Like.

[A]

I know. And that's why you shouldn't have access to it.

[B]

That's $2,000 on Like Beauty. Like that's a shopping.

[A]

You know what else is easier like that. Huh? That's easy. Klarna. Of course it fits your personality from everything we learned about. From the stupid.

[B]

Well, I like recently just got into Klarna.

[A]

Like I just got into it and.

[B]

You'Re already up to 1054 like a year almost now.

[A]

You shouldn't get it. This shouldn't be something we get into. It's not a hobby we're not getting into. Karna, what is that logic?

[B]

It's nice to be able to like make a big purchase and split it into four, especially like no interest.

[A]

But you've proven you can't manage that.

[B]

Well, I make the payments every single month. I can manage it.

[A]

No, no, because this is what happens is because you think you're able to split things into a four payment thing, which you think it will help you. That's what you think. But then all of a sudden this makes it so there is more money due at certain times, it is stacking up constantly, which does not allow you to have money in your checking account. Which means when you go to purchase something at Ulta or go get a service, you have to use a credit card that is already at max out because you don't have any money in a checking account. The reason you don't have any money in your checking accounts because you're not taking track of your minimum monthly payments that you are endlessly stacking on top of each other because you think it's helping you?

[B]

Well, luckily I just use well, are.

[A]

You going to well that you like.

[B]

I just. I have to justify it.

[A]

Like why? No you don't. Just don't do it. Just don't be a child.

[B]

Why wouldn't splitting one payment into four payments with no interest if you don't have the money? Like why isn't that a smart contract choice?

[A]

Here's my secret for growing my business. My team. Seriously. I couldn't do it without them. And when it comes to business, hiring the right people without wasting time is key. So if you realize your business needs to hire someone yesterday, how can you find this amazing candidate fast? Easy. Just use today's sponsor, Indeed. When it comes to hiring, Indeed is all you need. Stop struggling to get your job post seen on other job sites with Indeed sponsored Jobs. Your post jumps right to the top of the page for your relevant candidates so you can reach the people you want faster and it makes a huge difference. According to Indeed data, Sponsored Jobs post directly on indeed have 45% more applications than non sponsored jobs. And when I first started expanding my team, the hiring process was slow and overwhelming. If I had been using Indeed, I could have found the exact candidates I needed and saved hours and hours during the hiring process. Plus, with Indeed sponsored Jobs, there are no monthly subscriptions, no long term contracts, and you only pay for results. So how fast is indeed in the minute I've been talking to you. 23 hires were made according to Indeed Data Worldwide. There's no need to wait any longer. Speed up your hiring right now with Indeed and listeners of the show will get a $75 sponsored job credit to get your jobs more [e-mail] caleb just go to indeed.com caleb right now and support our show by saying you heard about Indeed. On this podcast that is indeed.com Caleb Terms and conditions apply. Hiring Indeed is all you need. It can be if you manage it right Again, you are not though, because you view that as a way to make it easier. That's not what it should be about. It should be about utilizing your money in a better way like this Money could be utilized somewhere else in a more efficient way, say returns on the stock market. If I'm like buying the S&P 500 or something that's always a class or yes, even your Ulta Bill. But you're not even doing that. That's what I'm saying. Because you are stacking your minimum payments higher than you know. Because you are not tracking them. Because you just do the split in four constantly because of zero percent interest. And it just helps me get this purchase. Now because of that, you are making money. Just leave your checking account when you don't know it. All these automatic payments that are constantly hitting which is draining your checking account and making it so you don't have money. When you try to go down, do things.

[B]

Yeah, I mean, I definitely see that. But I mean, I will pay it all. Like when I get paid, I'll pay all the payments. So I don't have like 20 hitting me at once or like at random times. I'm really good about keeping on top of it and making.

[A]

You're not. You said you didn't have money in your checking account to get Ulta or else you wouldn't.

[B]

Well, I know if you're on top of it, I'm good about making my payments. Like, I've never missed.

[A]

Why are you above a credit card limit then?

[B]

I don't know.

[A]

You don't know?

[B]

No. I mean, you don't know. How do you get above it? I mean, I've made.

[A]

If you're keeping track of your payments, knowing what balances you have, you should know how much you're able to purchase. If we even look at it that way.

[B]

I'm keeping track of like how much I have to purchase. I'm just keeping track of. I'm making the payments. At least I'm not missing them.

[A]

You put $491 towards Karna alone. Girl, that's 17% of your high paycheck. Of your high paycheck. Just going to Karna.

[B]

I'm selling groceries.

[A]

That's what you're doing.

[B]

Like, this is my grocery bill because for your grocery. Well, yeah, I don't drive, so I Instacart.

[A]

You're. And you're paying him for instacart? What about the boyfriend? You live with the boyfriend?

[B]

Well, yeah, but he. He does have two jobs and he travels. For what?

[A]

You gotta take care of your lazy, spoiled ass who won't stop spending money they don't have. No, he's taking care of it. Can't rely on you to save anything.

[B]

Well, I'm. I deserve it. I'm worth it.

[A]

It. So you entitled pr. What the. Is that? What is. What? Kind of defensive nature. I know. Listen, you just come on to the camera, okay? You're not used to getting this kind of Push back. I get it. But that is such a dumb mentality to have you need toing rip that part of you and throw it away. Or else why even. Why. Why even be with him? I mean, I love him without self centered and entitled and disgusting a statement. That is why put him through that?

[B]

I mean, he loves me. He's willing to go through it.

[A]

If he watches this back, will he love you?

[B]

Yeah.

[A]

Really?

[B]

Yeah.

[A]

Is he desperate?

[B]

No, not at all.

[A]

You're a person on this earth. I want you to do well. I also agree you are worth it. The general it just like any other human. You are worth sacrifice to make your life better. You are not worth it to your life.

[B]

But I also.

[A]

But all you do is your life.

[B]

I want to be independent in a way. I don't need to rely on him because I can instacart the groceries. Like but.

[A]

But you're paying him for it. And then just your minute monthly payments alone because of how much you stack it is going to 17% of your high paycheck month. Just your minimum payments on past groceries. I mean, do not see how dumb that is.

[B]

But I don't have a car. Like it's.

[A]

I get that. But he could stop at the grocery store.

[B]

I mean, yes, some.

[A]

If you schedule a pickup.

[B]

I've done that. Like I.

[A]

There you go. Do that more.

[B]

But it's just easier to instacart it. And it is easier.

[A]

It is easier. You're doing that thing. You're doing that thing from earlier in the episode. I said. Said. I know it's fun. I know it's easier. You're saying things. We all know. They are not good reasons. They are not good reasons. I need to rip that from your brain.

[B]

I mean, it just feels good to me. It feels good that I. I don't drive. So I need food. Like I just.

[A]

I need food. I need food. Meal prep. Use the cookbook that comes with the budgeting app right here. And guess what? Have him pick up the groceries. How far is the grocery store store from your house? Well, hey, how far is the grocery store from your house? Was the question that I asked that you're gonna answer.

[B]

It's like a 15 minute walk.

[A]

Okay. Walk.

[B]

Yeah.

[A]

Okay. Oh, I know it's not Europe and we all hate walking. Us and our fat. But guess what?

[B]

A little bit of groceries, fine. But three.

[A]

Close to walk. You could do shorter trips. You could do smaller trips more frequently. And it's honestly good for your health. Yeah, it's what everyone else does in the World. I mean except for Australia, Canada, the United States.

[B]

But I'm just like lazy. It's easy.

[A]

Yes, you are. Thank you. Self admitting. Self admitting. And you should you drag him down? Should you drag him down? Is it his fault, his responsibility that you are self confessed lazy and you refuse to do anything about it because you would rather just be an entitled little brat for the rest of your life? No, he doesn't deserve it.

[B]

I know, but I mean he also enables it in a way like he's not. He knows I do it. I mean we just got a job.

[A]

Blame him.

[B]

We just got to. You're going to blame him. And he hasn't bought any of the food. I always instacart it like it's just enables.

[A]

That's not enabling you. That's him just being not present. Which honestly is not a good quality either. In that. That's not enabling you. No, no. You just try to deflect with saying he enables. You try to pull out a buzzword like that to try to get out of this. You, you. Throughout this entire damn conference conversation I have seen nothing but spoiled lazy and entitlement. They're enable. What? Enable. When I tell him that in the post show, when we bring him on, when I tell him that, what is he gonna say to get out of this pushback?

[B]

Five different Coach Purses and I say which one should I buy? And he sends me the one that I should buy. Yeah. Is that not enabling slightly?

[A]

A little bit. But to deflect the whole thing. It is still your choice in the end.

[B]

I mean he, it's making me happy. So I think he just.

[A]

You're happy to be in this hole and to not be engaged.

[B]

I'm happy to have a Coach purse.

[A]

Which what's your retirement at?

[B]

My retirement? Yeah. Well, I paused.

[A]

You're happy to die in poverty.

[B]

I, I.

[A]

You're happy to die in poverty payments right now, but you're happy to not have a car. Do you want a car?

[B]

I do, I do want to drive.

[A]

You're happy to not have the thing that you want. You're happy to not have the engagement. You're happy to not be healthy. You're happy to not have all these things you want. You're happy to not get seven of these. You're happy to not get seven of these and only one. Instead, you're happy with this. You're happy with this life. If you're happy with this life, you're never going to change. You're never going to change if you are Satisfied. But you should not be satisfied because your life is not good. Your life is not good.

[B]

I mean it's a little good.

[A]

It's not good. You're making it worse. And you are going to have to at 25:30 you are going to be battering down the hatches because of the hurricane you have created right now. Being a spoiled brat. And then instead of taking any responsibility in your life, you say, well, he enabled me and that's why this is happening. Listen, he might a little and he should not encourage that. But it is still your choice in the end that you are making. Yeah, don't pull that.

[B]

I mean it's just. I didn't so much before that it feels nice that I can finally.

[A]

Neither did I grew up in lower middle class. We got foreclosure notices on the house. Who gives a Listen, I work for the I budget. I'm smart, I pay. I'm smart with my money.

[B]

I mean smart with my money for what I want. It's just taking me a little bit longer to get there.

[A]

Well, no you're not. You're only putting what you want on debt. You're not working for it. You're working to pay off the interest on the things you've already purchased. I don't know what the you're talking about. I paid off my debt, I sacrificed so that I can buy the things I want. Now I bought the car that I drive out front that I absolutely love and I purchased that because I sacrificed, paid off that, got a fully funded emergency fund and then I could because I budgeted it. You're just debt, debt, debt. If you wouldn't got a car today to fulfill that need you to get like 25% interest. Dumb car. And you look at one lot. That's what someone like you does. And you'd say I deserve it, I'm worth it.

[B]

Well, I am. But it just. Yeah, I know.

[A]

That is a mentality that I do not know how to fix. Listen, use the therapist is sound or mine. They're a partner of the channel. You get three free therapy sessions. Our guests or our audience uses them. I use them. You gotta deal with that mentality. That is some stuff. Tell say everything you've said in this episode. Make them watch this episode to onboard you. My. This is crazy, dude. So what all are you buying on car? You're just saying groceries. Well, yeah, I mean bring up your clonic. Will it show me?

[B]

Yeah, yeah, I have the one. I did buy my coach purse on Klarna. That's Really?

[A]

You told me they were necessity groceries.

[B]

But, like, it was kind of a necessity to get a new necessity.

[A]

No, it wasn't.

[B]

But yeah, I think first of all.

[A]

You'Re spending a lot on groceries. I mean, this is. This is insane. 207, like every week.

[B]

Yeah, we do. I mean, I cook a lot. I don't necessarily do much. Probably budget when I'm cooking. I just kind of make what looks good on TikTok in the next seven days.

[A]

Just in the next seven days. These payments. This is crazy. So just.

[B]

I get paid tomorrow.

[A]

It should. That's scary. The fact that that's where your mind is. You're okay. This all makes sense. You are still in the mindset of like these minimum payments or these things that I'm delaying are okay because I get paid on the day right before they get taken. So you are. Oh, my gosh. The way you justify this. You need to build a budget. You need to stick to the budget. You need to have discipline.

[B]

It just feels hard to.

[A]

It is hard, but you have to put the work in. Go through the budgeting class. You get it for free. 10,000 people in our audience have literally taken our budgeting class and all of our classes. I mean, they get them at a discount, but again, you guys get them for free. Cause you're a guest on the show. Take it. And I will walk with you, take the quizzes, I will help you. But just because something's hard is not an excuse not to do so. This your mindset of I can do this because I get paid tomorrow. That is so scary. You cannot be in that situation. Yes, it's Instacart. Instacart. Instagram. Instacart. Instacart. Instacart. All owed in the next month, then coach against the car. Instacart. Instacart. It's already stretched out to April. Instacart. InstacART. Instacart. Coach, coach, Coach, coach. Oh, that's completed. I don't think June. June is still coat on a monthly basis just in March. Let's just see. Because you're going to Repeat the cycle. 70.7.37 + 2.95 + 49.09 + 18.33 + 63.09 + 25.65 + 45.05 + 70.37 + 49.09. What the is offer up? What is offer up? What is offer up?

[B]

Well, it's just like where you can post, like stuff to sell or like buy Random stuff.

[A]

But I feel like you probably buy. Well yeah, because it is. It just popped up and said I have something you might want to buy.

[B]

Well, you can't afford relationship with offer up.

[A]

You have a weird relationship with money. You don't respect it. You don't understand how it works. Work.

[B]

So no doom scroll, you know, like even if I.

[A]

Everything's fine to do. I don't give a. It doesn't matter. Your minimum payments alone on this is $412.32. And I know that goes down on a monthly basis. Sometimes I know that goes down. Well, I know that you'll pay. Sorry, I meant you will pay off some of those line items on a monthly basis. But I know you replace them.

[B]

Yeah.

[A]

Cuz all you do is go back. So that's what your mid month depayment is. But you can pay this off.

[B]

Yeah, well in like two months. I have so many like payments like it's hard to, you know, like.

[A]

Well there you go. That shows that you can't do it. That shows you can't do it. You just. You just proved it. You just proved that you can't manage your minimum monthly payments. The thing that you said you could in the beginning, you just proved. No, no, no, no, no. I accidentally told the truth. You just accidentally told the truth. You just accidentally told the truth. You just accidentally told the truth for the first time in your life. And you're not very far from your karma limit, by the way. Oh, you order wine through there as well.

[B]

Well that was like, for like a girls night thing. Like I have. I don't care pretty frequently pay off our debt night.

[A]

Should be every night in your house. You don't have. You literally don't have money. You're at your maxes. You're just.

[B]

I mean there's always money to hang with the girls.

[A]

No, there's literally not. You don't have money, so there's literally not.

[B]

But I can just instacart it and clone on it. So I do kind of have the money. I mean I had to get the spending power.

[A]

I don't know what to do with a creature like you. That's impossible. How are you not overcoming this? How? How, how is what I'm saying not breaking through to you? What the do I do?

[B]

What is m. Mercury.

[A]

Mercury.

[B]

And like this is like a credit card. I opened like freshly 18. 19.

[A]

Freshly 18.

[B]

Well when I was a high school boyfriend Z. So like I just.

[A]

Everything.

[B]

Half of the charges are just junk. And I think I have Been making kind of the minimum payment and not.

[A]

Really able to because everything now is about infantilizing ourselves. The younger we can make ourselves.

[B]

So long ago. Like I just.

[A]

I've lived a lot in your life. It literally wasn't.

[B]

It just seems like so many credit cards go. Like it's just.

[A]

Well, yes, because you're a dumbass money. But it's. It's. Who cares?

[B]

I just.

[A]

I don't get. Doesn't matter. Stop trying to make yourself sound like a child. And for that being a reason why it's not an acceptable reason. When I was freshly 18, I went and got a guitar center card and I it by being a dumb and buying a piano with it. A nice electric piano that I still have because it's really good. But it was my dumbass choice. Not because I was freshly 18, but.

[B]

Like a lot of it too. Like, I know it was my choice to open it, but I definitely felt the pressure from the extra ex boyfriend. Like I. That part is in and out of jail. Like I was putting the money on his books. Like, listen.

[A]

No, he's a piece of. He's a piece. And there.

[B]

A lot of the money went.

[A]

There is. That's. That's the only thing in this conversation that you so far have said that is more like, I guess appropriately victimy in a way because you try to deflect a lot of things in a lot of bull excuses. But yes, he's a piece of. And I wish you would have gone away quicker and I wish you had someone in your life to tell you that. But either way that happened and he's a piece of. And he's in prison, so good for what?

[B]

Armed robbery.

[A]

Sounds about right.

[B]

Yeah, he liked to do. Well, you said like you brought up offer up, so I got kind of confused because he used to like meet up with people on offer up and rob them.

[A]

Oh my.

[B]

And yeah, this is insane. When you said that I was kind of call him from. No, he's in prison.

[A]

Yeah. Can I call him?

[B]

No. How would you call him?

[A]

You can't call people in prison.

[B]

That's not how that works.

[A]

Wait, okay. They have to call me.

[B]

Yeah, yeah. It's like collect call. So you have to pay for it as well to talk to them.

[A]

I can't like get someone to go get them. I don't know.

[B]

During COVID they had. Where you could make like video visits with them for free because it was like Covid.

[A]

But I can't like call him in the post show.

[B]

No, absolutely not.

[A]

How would you can you get in contact with him and ask him to call us?

[B]

Well, like you can like email the inmates. But I haven't done it.

[A]

Like, obviously we have to wait for his computer time.

[B]

Oh yeah, yeah. He's in prison.

[A]

Prison like, okay, you have a 82 and 80 cent minimum payment on this with a 2,292.32 balance purchases. You're still purchasing. What's the credit limit on this? You're over it again. You're over on two and almost on Corona. Lady, at this point. What the are we doing? There's always money for girls tonight there's literally not. We've talked about three debts so far and two of them you're over and the other one you're close. You are up so much. This is unacceptable. You are choosing girls night over your engagement. You are choosing your desire for sweet treats over your engagement. You are choosing makeup over your engagement. You're choosing you having a little bit of fun over your engagement. You're selfish and the actions that you are doing are disgusting. I am not going to sugarcoat it. This is huge for financial audit. For a year now, my team and I have worked with experts to create what I truly believe are the three best educational programs in the financial space. Online, we have our budgeting program where I teach you how to create, manage and revolutionize your budget and control your money. And then there's the investing program where I teach you to define what investing profile applies to you and your life and then teach what specific investing strategies apply applies to you in that situation. And now finally, we have our debt program where I teach you the best ways to pay off debt, manage debt, and even take advantage of good debt. This has been a revolutionary project that we've been working on for over a year now. And just like over 10,000 people who've already taken our educational programs, you can now take advantage of all three of them bundled together at a 15% discount. I've heard from thousands of people now who've taken these classes and they. They've literally changed their lives for the better. And finally, you can too, at a more affordable price. Head to calebhammer.com or click the link in the description below. You will not regret this.

[B]

It's f ed when you put it like that.

[A]

Yes. How else would I put it?

[B]

I'm just young and having fun.

[A]

No, you're not. You're 25. Almost.

[B]

I'm 23.

[A]

You're 23. It's. You're not 18 anymore.

[B]

More. I mean, yeah, But I just, I'm having fun like with my life.

[A]

And you're choosing fun with your life over your fiance? No, not fun with him though. Not fiance. No, not always.

[B]

It's just like when you.

[A]

The makeup is not fun with him. The makeup is not fun with him.

[B]

Happiness, it's not fun with stuff is making me happy.

[A]

What do you even want to do for a living? Because this is going to be so hard to crawl out of with your 8, 20 whatever dollars an hour. 22. It's going to be so hard in Seattle and not cheap area.

[B]

I'm working on promoting like my.

[A]

So you want to promote within?

[B]

I do, but I need to learn how to drive and work on driving. I have like learned how to drive. I just have severe anxiety. Like I've tried. I've taken the written test multiple times. I've worked with. I panic and I like will stop in the middle of the road.

[A]

Okay, I get it. I mean, I have a panic disorder when it comes to flying and nails. So I get it.

[B]

Yeah. And I'm working on it. Like I see a therapist, I've paid for classes. Like I'm.

[A]

But you do have to put in the action.

[B]

Like I know, like in my future, I need to have a car.

[A]

You have to put in the action. You can also take public transportation. You admitted that yourself.

[B]

Yeah.

[A]

So you're afraid of driving. You're okay with being in a car?

[B]

Yeah.

[A]

With someone else?

[B]

Like for the most part.

[A]

For now.

[B]

I do always Uber.

[A]

There you go.

[B]

But like 30 hours a week is.

[A]

No longer acceptable when you have to pull yourself out of this. Listen, I will gift you a certification of your choice through course careers, have that booster resume to hopefully get you up the corporate ladder a little quicker.

[B]

Yeah, well, end goal though, I want to be a wedding planner. That's.

[A]

And like that has nothing to do with what you just said.

[B]

I know, but like I just kind of.

[A]

Well, guess what? You know what?

[B]

Hey, run somebody else's company.

[A]

Hey, hey, hey. You know what? You don't get to have those goals. You know why? Because you are in so much that. That it is holding so much risk over your head that you are literally unable to start your own business. Business. Because you just can't do that because you don't even have an emergency fund for your own self. When you start a business, you want to go in risk free. Best way to do that is to not have any bad debt. You have a lot of bad debt. In fact, max out bad debt. Best way to go into A business is having at least a year's emergency fund for yourself so you can cash flow your necessities while you are trying to put money and time into a business that will not return right away. That's what I did. That's what people do. That's what real people do who sacrifice and make an impact in this world. That's what. But 48% of the job creators in this country do. That's right. 48% of the jobs come from small businesses. I don't know if that's private sector only or including government jobs, but that's what you could do. But you don't even have the ability to do that. You know why? Because you have bad debt. It is holding over your head. You are required to have an income on the first day or else you won't make your minimum payments. You are holding yourself back from your dream. If you don't give enough about your fiance to get out of this. Hopefully at least this is a reason you would want to get out of this. If you prefer to have your business, business and dreams more than him. If that's what gets you there, then that will. If that's what. If that's what gets you there, fine. 60.40 of interest. And guess what? Yep. You're only doing the minimum payments. 66.40 of purchases. What the is a bolero?

[B]

Oh, that's a bowling alley.

[A]

Great. That's worth going over a credit limit at 31.24 percentage.

[B]

But that's just like an experience. Like it's like, like I'm just living life like being young. Like okay.

[A]

She doesn't give a. Shut the up. Shut the. Just stop. KFC, QFC.

[B]

That's a grocery store.

[A]

10.48.

[B]

I don't know. Maybe.

[A]

Yeah. You went and got into. You went and got like an energy drink or something maybe. Exactly. I know what those. I've been through enough of these.

[B]

Well, it's not like I just like walk to go and get stuff like that. Like it has to be like, like out of my way for me to want to go.

[A]

It's 15 minutes. 15 minute walk in America to a grocery store is actually pretty crazy. But even still just the example. Like you actually have a very blessed situation. Most Americans have to drive on a four lane horse.

[B]

Made it work. Like I've worked at made it work. It literally works now I've taken public transportation. Like I, I'm doing it like so doing it limits. It's not. No. What you're doing Is being over your.

[A]

Credit limit on two cards? Almost on the Klarna. Oh, good. Almost on Mission Lane as well, because you owe 1237.39. The credit limit's a thousand four hundred, so you're almost there. You'll be there before you know it, because now there's no money to spend on the other card. So you'll just put them on this card. Yeah, there's no purchases here. There will be soon, because that's all you do now. You can't spend on the altar now. You can't spend on the Mercury, so you'll spend on Mission Lane. Yeah, betcha that's what you do. I know how you work. How long does this take to pay off minimum payments? Only without purchasing iron, which I highly doubt will actually be the case. But go. Go for it.

[B]

Maybe four years.

[A]

Okay. It's gonna take nine years, so you're gonna be well into your 30s. Congratulations. That's a wonderful place to be. Debt with no. Yeah. Nine years. Nine years until you can get engaged. How does that feel? How's that feel? That's great. Nine years until you can start your business at a minimum. That's really great. That's so good.

[B]

Feels like my biological class box ticking.

[A]

Yeah. So there you go. No baby. $50.39. 23. She's not even 25. She's 23. Yeah, we just got to cut back everywhere. We just got to cut back everywhere. You need to make more money. You need to Uber.

[B]

Like, I can't stop spending.

[A]

Yes, you can. Yes, you can. But, like, you need to work with your therapist on this, because you're just saying what I want. What I want. What I want. I mean, you can do things like switch your phone bill to helium for, like, 15 bucks a month. You could do small things like that. That's easy. There's so many options we can do. You don't need 250 a week on groceries. I know for a fact. You don't need to be eating now. You don't need to be getting your bull this Mercury. I mean, listen, you had fees last year. Probably late payments.

[B]

Yeah.

[A]

What the were the fees? Maybe?

[B]

Because, like, does I have a card fee?

[A]

It's at a 35 interest rate. Kill me now. Yeah. No wonder he's not getting engaged. I wouldn't. This is a mess. And listen to the way you talk.

[B]

Well, I think he doesn't also, like, fully. No. Like, he knows I'm in debt, but.

[A]

Oh, he's about to know in the Post show. He's about to know. In the post show, you felt you. I'm gonna. This is crazy. Credit one.

[B]

No, I actually have two credit ones.

[A]

Of course you do. Your. Your entire image is just. I fully understand it now. I'm not surprised that you have a credit one. The worst of the worst of the worst of the worst. You have to be the worst of the worst ever.

[B]

Why is it the worst, though?

[A]

Like, because you get fees on a monthly basis that are stupid, but it's like, you don't even have to have.

[B]

A balance that credit Karma recommended.

[A]

Why would you listen to them?

[B]

Wait, are you not supposed to listen to them?

[A]

Why do you care about that if you're gonna.

[B]

You shouldn't. You're applying because, like, most financial choices come from them.

[A]

What?

[B]

Like, I read all, like, the tips and hints and tips and hints are okay. And when they're like, you should apply for one more card to increase your credit limit.

[A]

Oh, my God.

[B]

Here's some options.

[A]

And that kind of works if you don't spend on them. That's all you do. Spend. You don't know how not to. To spend. You're draining my oxygen with your stupidity. You just get fees endlessly. Oh, you go on here and you purchase $47 of Uber Eats.

[B]

Uber eats.

[A]

That's more important. That's more important.

[B]

Drive like. I don't drive like.

[A]

You shouldn't be going out to eat at all. It doesn't matter if you're getting it delivered or you're going. How do I. That should not be your excuse. That should not be your excuse, Hunter. How is that your possible excuse after this conversation? You don't try. You shouldn't be going out regardless. You shouldn't be going out regardless. It's just. I don't. This is an impossible conversation. This is an impossible conversation. Credit one. Credit one. Okay. Credit one. Let's see. Huh? What do we got? Oh, good. $615.36 cents on a 700 credit card. So there you go. Add that to the Almost maxed out. Well done. The minimum payment of 31. You get your fees, you get your UberEats, you get your minimum payments. You just get the. So stupid. So stupid. We're already 47 of interest right here. So stupid.

[B]

My New Year's resolution was to stop Uber eating.

[A]

Well, guess what? We're almost done with the second month and you haven't stopped. So New Year's resolution failed like all the other ones. Congratulations.

[B]

I'm working on it.

[A]

No, you're not. You're literally not. You just purchased on Uber Eats. Shut the up. Shut the up. You're a child. I'm borderline done with this conversation. Keep going. And I'm seriously. This is so stupid. The credit won again. $422.47. It's been a. We don't. There was like a month where people are just horrible and I just had to kick them off. You're approaching that level. It's been a long time. Just stop. You're being a child. $30. I know it's hard to be on the camera for the first time in your life. I know it is hard to get confrontation for the first time in your life. You do not have to justify everything. You don't have to be a child. You do not have to be someone. Listen, it is okay to take some feedback and just accept it. $30. Manipulate payment on this one. Oh, guess what? We got our fees. We always get fees on credit one. That's what the credit one's known for. And then $10 of interest almost maxed out. You got fees, you got bullshit foreign. It's stupid, it's pointless, it's dumb. You're ruining your life and you're putting this over your engagement, over your business, over your goals, over your desires, over your biological clock, over your blah blah, blah, blah blah blah. Anything and everything you've possibly named. Oh, good, there's actually more to go through. How the possible is that even possible? Plus one. What is this? I've never even heard of it in my life.

[B]

Oh, it's Plus Finance.

[A]

Oh, I'm sorry.

[B]

It's just another one of the ones that credit card recommended.

[A]

That credit card karma?

[B]

Yeah.

[A]

Who gives a what they recommend? Dude, they are getting a commission from you. I mean on there. In general, when you open credit, you're opening credit to get a certain reward that you want to do or on a credit building strategy, but you just max them out. So you're not focusing on the credit building strategy and you're not focusing on the rewards either because you're just taking the ones that they're like most likely to get you be accepted. Of course Credit karma is going to Credit one is going to accept you. They accept anyone. They're bottom feeders.

[B]

I have this thing where like if you don't get accepted, they'll send you $50.

[A]

Guess what? Everyone gets accepted for credit one. They're bottom feeders. So that's a dumb stupid thing. Plus one, you owe $938. Let me guess. The Credit limit is going to be like a TH000 or something. Let's see. Or 900. No, it's. Oh, it's 1,100. It's the furthest you've been away. 100. Almost $70. 160 bucks. Interest being charged. Minimum payment being made. Okay. Minimum monthly $34 and there's interest being charged. Took six years to pay off. Upstart. Why are you taking on an upstart loan?

[B]

Well, it was in 2021, around the time I moved out of like, the Craigslist guy. I really needed money. I was moving around. I needed to get out of that situation. And yeah, that money helped. Yeah, it was. It was rough. He had a tattoo of a camel on his big toe. Like, camel toe.

[A]

Well, don't make him sound cool.

[B]

Oh, I would argue that that's not cool, but.

[A]

I'm kidding. Okay. Current. But so what? So you had to use to move out from the.

[B]

Yeah, well, kind of. So. Yeah. And like, I moved like about an hour and a half away and with like my great aunt and was just kind. Kind of trying to.

[A]

Why have you had no stability? I'm so confused. Why couldn't you move back in with your grandma?

[B]

She's just older. I mean, obviously.

[A]

Yeah, but you're independent still. But it's a roof.

[B]

Yeah.

[A]

That's all you needed, right?

[B]

Kind of.

[A]

Did you need your aunt to do anything?

[B]

No.

[A]

So how long were you with the man from Craigslist?

[B]

Yeah, like maybe five months in.

[A]

Five months?

[B]

Yeah.

[A]

And the whole time he was trying to.

[B]

Yeah. And I would like, bring guys over and like, he didn't care. Like, just was kind of always trying to get after me.

[A]

Well, to be clear, I. I just want to be very clear. You did not go in with the acknowledgment and consent and intention to.

[B]

No, we never did. Absolutely. I was.

[A]

Because, like, I wouldn't give up if.

[B]

That'S what you guys were decided interested. But like, I think what he was expecting was like, like, oh, a woman's gonna move in. She's gonna want to sleep with me and do my laundry and like, cook for me. And like, it's gonna be so great. And I have two kids. Maybe she'll take care of them. But that's not what he got with me.

[A]

Listen, I. I don't care what any consensing adults do if you go into it with that intention. But you didn't, so. I don't. They still.

[B]

Yeah, well. And my great aunt actually came with me to view the apartment before, like to make sure, like, check it out with me. So like, I don't know, like, you.

[A]

Never gave in, did you? No. Good. Thank you. Thank. Good. He doesn't deserve that. Okay, so five months and you had to borrow to get to your great aunt. Yeah, you have to borrow to get to her.

[B]

Well, so it was like about an hour and a half away, so I had to like move my stuff. Movers. And just kind of.

[A]

How much did you have in this house that you were only there for 5 months?

[B]

Wait, what?

[A]

Movers. You needed movers? What did you.

[B]

Well, like all of my stuff that I like, have acquired. I, I. Previously.

[A]

On Survival Mode. You don't need stuff.

[B]

Like I had a three bedroom house.

[A]

I know, but you don't need stuff. But honestly, it would have probably made sense for you to get rid of it.

[B]

Yeah.

[A]

To sell it, make money and pay back.

[B]

Probably.

[A]

Well, still today, but I mean.

[B]

Yeah.

[A]

How much of it do you have today?

[B]

All of it.

[A]

Sell it.

[B]

But like I don't care.

[A]

I don't care.

[B]

You're.

[A]

You're dying in debt and it's preventing you from actually don't sell it yet. Not until you fix your behavior. Else you'll just build.

[B]

I actually want to buy a new couch.

[A]

So like don't, like. I don't know what else to say. Don't you know why? At this point, everyone else says why. And I'm not gonna put the energy into the why. Like it's stupid. You think you're in a position to get a new couch?

[B]

Well, maybe like I could make payments on it. Me and my boyfriend. Like he doesn't have very much credit.

[A]

He can do it. You can't he.

[B]

I mean like 1300. Like we were looking at a couple like that doesn't current bounce is a.

[A]

Thousand four hundred sixteen stupid dollars. The minimum monthly payment of $74. It's a 31. It's at a 32% interest rate. $74.05 minimum payment. I don't even let you finish that thought. It's the dumbest thing I've ever heard in my life. Stop.

[B]

We want with like a pull out couch so I can have like my girls over and they can.

[A]

Girls over?

[B]

Yeah.

[A]

I don't give a. About your girls. Go over to them. Go over to them. Go to a park.

[B]

They all like go to the lake with them.

[A]

Go to the little whales. Go to the whales. Okay.

[B]

Whale watching.

[A]

Yeah, go whale watching. Well, from the shore for free.

[B]

That like boat that you can.

[A]

Yes. This is not a pleasant conversation. I. I hope you watch this back and see the things you are saying. I know again, you are not used to being in front of the camera. Really? It's interesting how that works and you're not used to getting pushback. I need you to watch this and can reflect on this.

[B]

Well, my therapist actually told me I shouldn't watch it. Just.

[A]

You shouldn't read the comments. You shouldn't read the comments. Just like we tell everyone. Every other guest. Every. Well, every guest. But maybe watch the episode and reflect on it.

[B]

Yeah.

[A]

Download it or something.

[B]

She said she was gonna watch it.

[A]

Good.

[B]

Give me some feedback.

[A]

Yeah, good. Thanks. Because you're kind of insane. She won't like me saying that, but I mean there's 31 cents in your checking account. What are we doing? Oh, what is your life? You. You don't give a. You've put no effort in to trying to do this thing that the boyfriend is requiring for fiance ship. Which is fair because you're being a dumb. Your money and self centered Apple. Amazon, Amazon, Amazon, Amazon, Amazon. Zell.

[B]

Why is all my boyfriend. That's our rent Mac remedy.

[A]

Amazon, Apple Mac Target. What is a. That's a makeup.

[B]

No, that's the dispensary we go to like the ATM for weed. Yeah.

[A]

Well, I'm having Mac. Mac, Mac, Mac, Mac, Mac.

[B]

Well actually like maybe so much Mac.

[A]

I'm having hundreds of dollars of Mac.

[B]

I used to spend a lot more. I've definitely.

[A]

I've seen hundreds of dollars a Mac. If you're spending. If you're. Hey, hey. If you're spending more. It's also stupid. But this is absolutely beyond still stupid. This is like $400. This has to be close Olive Garden. Probably after you smoked a bunch of Mac Apple Zelling out money Mac Mac Uber eats Probably after a bunch of Mac. I didn't know you're pothead. Now I understand why your brains is completely broken. Appleville apple bill savings $1.72. Technically more than our checking account. Look at us. 734 in retirement. Guys, we're well on our way. Pull up your phone subscriptions. Peacock photos. Photos maybe. But you've had every streaming service it looks like. I mean come on. On Max there's at least white Lotus. That is great. I do have Peacock. What the fuck is Peacock for? Okay. Amazon. Yeah, a lot of Amazon purchase. There's five things in your cart. What's gonna be in your cart? Oh good. Some oversized long jumpsuit bull. We really need girls therapy Bold and easy coloring book. You don't need a coloring book. Just because you act five doesn't mean you need to really act five. Stop being dumb. You do not need these artificial plants. You do not need this. Drain cloggers. You do not need these.

[B]

I do need those.

[A]

Okay, maybe you need the drain cloggers in the rope that goes to drain because your pubes keep going down the drain. Whatever. Himalayan cheese. Oh, that's what I'm not, sir.

[B]

He really loves those.

[A]

Yeah. And you can't afford a dog. Air tag holder. Air tag. You can't afford a dog. You can't afford a puppy. You couldn't afford pet insurance. Save your life. You have cents in your checking account. You can't afford a dog. It is irresponsible for you to have a dog.

[B]

Me and my boyfriend share the dog. Shut the.

[A]

You don't recognize this? You don't recognize this. Listen, not everything's a fight. Shut the up. You cannot afford a dog. It is as easy as that. That. Jeez. For sake. Dogs. Dogs. Dog. It's just dog. I don't care. I don't care. I don't care. You can't afford it. Hidden. Expandable. Men's cozy. Hidden. What's he hidden? Expanding. Well, every time he gets a boner, it just hides it. What? What is he expanding? Hidden.

[B]

What is it?

[A]

Do you guys share an Amazon account?

[B]

No.

[A]

The Stupid. Stupid. It's just stupid. It's stupid. It's stupid. It's stupid. It's stupid. It's. It's stupid. It's stupid. It's stupid. I feel like I should yell at you guys for making me go through this stupid. Crazy. Yeah. 150 every two weeks is your cut budget. 400 every two weeks is what you used to do on.

[B]

Yeah.

[A]

Can you say now you're $50 every two weeks?

[B]

Do you.

[A]

Do I partake?

[B]

Should have brought you some edibles. I actually make them.

[A]

No, thank you. I'm okay. I get anxious with them. Listen, I don't have. I don't have issue with like. I don't have an issue with sex. I don't have an issue with beer. I don't have alcohol or whatever. If you. If you are able to recreationally doing something without an addiction, that's fine. But you are on an obviously habit pattern. A pattern that a lot of people base their life around eventually. Come on. More information is coming out that it is. Is really not healthy for you. More information is coming out that people get more life dependent on it. Even if you don't get the withdrawal symptoms that you would get and other things, you tend to feel sad when you're going away from it. You tend to like, what is the point of like I. I used to get high and go do this. Now it's not as fun to go do that anymore. A lot of people are really recognizing this in today's culture. I don't have a problem against substance on a recreational way. I don't care. I get anxious so I jump. But I don't give a. You. You are obviously in a habit driven mode. Meaning if you stop things would be for you.

[B]

It's a part of my daily life. I've exactly been for many years smoking weed and I think like it is kind of like my medication a little bit.

[A]

Girl. A month and a half of your income goes to your annual amounts on your cut back budget. Cut back budget meaning three months went to it previously. Three months of your Starbucks working. Everything makes so much more sense and I understand why. You are completely fried. Fried. What is your portion of rent?

[B]

875.

[A]

$875. Okay. Utilities. Your portion of utilities.

[B]

Well, I pay the Internet and the like pud says usually it's about 200amonth. The pud that's like our electric bill. Usually like our keys.

[A]

Crazy. What's your phone bill?

[B]

55.

[A]

It's actually not the worst. Again I would switch to something like helium.

[B]

I do.

[A]

I'm also paying how much for public transportation and Uber on a monthly basis. What do we allot to it? A lot. Come on. What, what can I allot?

[B]

$100. That's like on the high end for.

[A]

I don't know how you'd afford a car payment or a car insurance.

[B]

Yeah, I think that's like part of the problem for me especially with all like my payments. Like ideally I would cut back a lot of the credit cards debt and then I could afford a card payment instead or car insurance.

[A]

I. I don't know man. I don't know. Gets real expensive. Interest rates aren't great. Car market hasn't fully corrected all the way down. I don't know if it ever will again.

[B]

Well, I think I'd be willing to like take out like a, like a.

[A]

Loan maybe or like great, let's delay the engagement in the business even more. Well done. Life has been so successful. Every loan. You've been so good at that everything's been so well.

[B]

Yeah, let's keep like a car loan.

[A]

Like oh, a car loan. That's not Any different? It's only under depreciating asset.

[B]

Well, I just don't. I don't really know how it works. But.

[A]

No, I'm not going to explain it because I don't think. That's not where we are in this conversation. At this point. We're on the basic level of literally your minimum two payments for fun. All right. 800. 2.56. Crazy easy, dude. Necessary food, you're allowed to contribute 300 to the household. Food, you're allowed to contribute 100 to the TP fund. This is also makeup, that is your ulta. This toilet paper, it is tampons, it is anything and everything. You need medications on a monthly basis or any medical expenses. What? You said you have therapy.

[B]

Yeah.

[A]

How much do you spend on that?

[B]

It's actually free.

[A]

Cool. How much medications and everything?

[B]

Like $40 on medication.

[A]

Okay. Gym?

[B]

Yeah, I have a gym.

[A]

How much?

[B]

27.

[A]

Subscriptions. Do you pay for pet insurance?

[B]

I don't pay for it.

[A]

Okay, no subscriptions for you canceling that. Certainly don't need it. Oh, your phone bill is 55. I put that in the wrong area. Okay. Anything else that needs to be in your budget that I have not taken into account yet?

[B]

Well, the.

[A]

No. Are you moronic?

[B]

That needs to be in there.

[A]

Okay then with that go, I'm willing.

[B]

To cut it, but it has to be in there a little bit.

[A]

It's not in there.

[B]

I'm not part of my fun. Or like that hundred dollars like.

[A]

Guys, join us for the poacher. After this I'm gonna at least hopefully try to make progress with her boyfriend talking to her. Hopefully that'll help because after that. That's the dumbest thing I've ever heard in my life. Shut the up, Hammer. Financial score. You join us in the post show and make sure you download the simpler budget app so your finances don't end up like her. And you can take all of our classes bundled together for 15 off. Join the over 10,000 people that have and have changed their financial future. I'll see you guys in the post show. Join below. Come on. She said this is because you enable her in a lot of ways. I. Oh, do you really think it's your fault?

[B]

But we're having fun.

[A]

Well good. They're having fun. Maybe you guys should get married cuz you guys are both stupid and you're both going to die in poverty. Let the rest of us watch you die and crumble. But it's fun. You know. You guys are addicts.

[B]

Yeah.

[A]

To watch the Financial audit Post Show. Click the join button below.