She Blames MAGA For Her Debt | Financial Audit

Summary

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Podcast Summary: "She Blames MAGA For Her Debt"

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Lynn (31, Kansas City)
Date: October 31, 2025

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Main Theme

This episode centers around a frank, often combative financial audit of Lynn, a self-employed hairstylist and salon suite owner from Kansas City, who faces over $40,000 in debt. The conversation interrogates her financial situation, personal decisions, and the tendency to blame macro conditions—specifically the political climate and recent elections—for her struggles, rather than accepting personal accountability.

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Key Discussion Points & Insights

1. Introduction to Lynn's Background

• Lynn is a 31-year-old single mother of two (ages 9 and 11).
• She owns a salon suite and works as a hairstylist, averaging 20–25 hours/week.
• She is currently building out additional salon suites with her boyfriend, who works in construction.
• Lynn receives government assistance (food stamps, Medicaid for her kids, some child support).

Notable Moment (05:19):
Caleb: "So you blame everyone but yourselves? No. You can blame economic conditions. ... But you are overexaggerating the potential impact of what things are like at this exact moment."

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2. Blame on Macroeconomic & Political Conditions

• Lynn repeatedly attributes her financial decline to post-election economic conditions, stating her business and her boyfriend’s construction income have dropped significantly.
  • Caleb calls out these claims as overblown or lacking in personal accountability.
• Caleb offers a data-driven perspective: while the economy has cooled and interest rates are high, macro trends would be similar regardless of the election outcome.

Memorable Quote (06:03): Caleb: "So you blame everyone but yourselves?... People borrow for home renovations. Interest rates are still high even though they've come down a little..."

Memorable Quote (10:27): Caleb: "When you're actually interested in learning instead of immediately going into politics of good guy, bad guy—my team, your team—you actually get to learn things..."

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3. Personal Accountability and Business Decisions

• Caleb persistently attempts to refocus the issue on Lynn’s personal financial decisions:
  • Poor business planning (expensive, slow salon suite buildout, limited marketing, low working hours).
  • Lack of proactive efforts to increase income (not adjusting services to demand, inadequate hours, refusal to work at certain salons).
• Lynn admits difficulty with organization, remembers little marketing, and says personal/family obligations take precedence.
• Caleb observes a strong "victim complex" and challenges Lynn for a lack of ownership over her choices.

Notable Exchange (14:44): Caleb: "Paper, pen. ... What kind of bull excuse is that? I struggle at remembering things and staying organized too. I set myself reminders on phone endlessly."
Lynn: "I raised two kids in man."
Caleb: "No one's ever done that in the history of humanity..."

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4. Business Strategy: Salon Suite Buildout

• Lynn and her boyfriend signed a 3-year lease for a new salon suite buildout, intending to sublease individual units. The project has stalled—only one suite completed after a year and over $70,000 invested (mostly on credit).
• The math does not support profitability: projected rent from suites falls short of necessary break-even, especially given current demand.
• Caleb criticizes the business plan’s soundness and the blend of relationship and business finances.

Key Segment (19:10): Caleb: "No one rents something for $1,500 and subleases for $7,300, $7,400 a month. You will lose money." Lynn: "Maybe." Caleb: "Your business is failing because the economy's turned down, you're going to lease out seven units?"

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5. Income, Debt, and Government Assistance

• Lynn’s monthly income, including child support, food stamps, and seasonal bartending, is ~$2,100. Her business nets about $1,000/month after expenses.
• Minimum monthly debt payments total nearly half her income.
• Lynn deposits significant personal expenses (e.g., $300/month on adult competitive cheer), while declining to seek higher-earning jobs or cut self-indulgent costs, arguing personal well-being and parental presence justify these choices.
• Caleb is exasperated by her reliance on public assistance while spending for personal recreation.

Notable Quote (60:05):
Caleb: "We are, in every mathematical form as taxpayers, paying for her to go to competitive cheer. That is disgusting. You are disgusting."

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6. Motherhood, Employment Choices, and Judgment

• Lynn insists flexible self-employment is necessary for her kids, especially with one child’s special needs.
• Caleb points out many parents work full-time and manage children’s needs, challenging Lynn’s claim she cannot, and labeling her choices selfish.
• Argument escalates over priorities, and how her financial choices directly limit her children’s prospects (e.g., not affording Christmas gifts, dependence on boyfriend for housing).

Standout Exchange (62:32): Caleb: "I don't think you're a good mother."
Lynn: "I think it's a really hard judgment to make when you haven't met me around my children."
Caleb: "I see the finances and... you go spend $300 a month while making $1,000 on your own self-care instead of them..."

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7. Debt Breakdown and Spending Habits

• Lynn’s debts: over $40,000 (credit cards for business buildout, car loan, store cards).
• She’s missed credit payments, incurring fees and compounding interest, with business debt mounting as the buildout drags on.
• Ongoing personal spending: Netflix/Spotify (paid for by others), regular take-out, Amazon purchases for work/uniforms, pet expenses for three dogs.

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8. Proposed Solutions and Repeated Resistance

• Caleb offers tangible solutions (seek employment at salons, resume help, budgeting tools).
• Lynn repeatedly resists, citing poor previous experiences, health limitations, and preference for self-employment.
• Host grows increasingly frustrated, ultimately calling her unwilling to change and irresponsible.

Key Confrontation (91:43–92:04): Caleb: "You need to go get a real job yesterday... I don't give a f*** what you want. You're gonna go to Great Clips, you're gonna go to wherever. No." Lynn: "No."

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Notable Quotes & Moments (with Timestamps)

• 06:03 Caleb: “So you blame everyone but yourselves? … You can blame economic conditions. I bet people do less home renovations when things aren't as juicy … but you are overexaggerating the potential impact…”
• 10:27 Caleb: “When you're actually interested in learning instead of immediately going into politics of good guy, bad guy—my team, your team—you actually get to learn things…”
• 14:44 Caleb: “Paper, pen… What kind of bull excuse is that? … You can set a phone reminder; you having kids doesn't take that away.”
• 19:10 Caleb: “No one rents something for $1,500 and subleases for $7,300, $7,400… You will lose money…”
• 38:23 Caleb: "There it is. Government, Kansas, Missouri: take away her food stamps right now. Did you just hear that? Take them away."
• 60:05 Caleb: "We are, in every mathematical form as taxpayers, paying for her to go to competitive cheer. That is disgusting. You are disgusting."
• 62:32 Caleb: "I don't think you're a good mother." (See above exchange)
• 92:03 Caleb: "You're not even willing to go do that. Just fuck off. Honestly, fuck off. Good luck to your kids. They don't deserve this. You're disgusting."

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Timestamps for Important Segments

| Timestamp | Segment | |-------------|---------------------------------------------------| | 00:48 | Guest Intro: Lynn’s background | | 02:24–06:21 | Initial blame on election/economy, pushback | | 10:27–14:44 | Discussion about economic realities vs. excuses | | 16:00–20:00 | Salon suite buildout, stalling and costs | | 31:07–38:23 | Income breakdown, government assistance, choices | | 45:20–47:47 | Career prospects, job refusal, self-employed life | | 60:05–66:49 | Harshest judgment: parental priorities, ethics | | 79:33–84:31 | Spending on self vs. children, holiday issues | | 91:43–92:04 | Final confrontation: unwilling to work elsewhere |

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Overall Tone & Takeaways

The conversation is raw, fiery, and unforgiving—Caleb oscillates between hard-nosed pragmatism and outright exasperation as he exposes gaps between Lynn’s self-justifications and financial reality. The episode provides a vivid, if harsh, lesson in personal accountability, budgeting, and how victim mentality can perpetuate cycles of financial dysfunction. Crucially, almost every personal hardship or business setback Lynn raises is interrogated and reframed as an opportunity—or necessity—for direct personal action, rather than external blame.

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Summary Table: Major Financial Facts

| Category | Details | |----------------------------|---------------------------------------------| | Age/Location | 31 / Kansas City | | Household | Single mother, 2 kids (9, 11), 3 dogs | | Occupation | Self-employed hairstylist/salon owner | | Work Hours | 20–25/week | | Monthly Income | ~$2,100 (varies—includes bartending, support)| | Government Assistance | Food stamps, child support, Medicaid | | Debt | ~$40,000+ (credit cards, car loan, etc.) | | Salon Buildout | $70,000+ invested, only 1 suite finished | | Major Expenses | $300/month on personal cheerleading | | Refused Opportunities | Will not work at Great Clips/chain salons |

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Final Messages

Caleb’s tough-love verdict is crystal clear:

“You made the choices that have led you here. And if you're not willing to accept the consequences of your actions, you will repeat these mistakes forever.” (55:18)

Despite the harsh delivery, this episode spotlights the intersection of personal agency, flawed business plans, and the perilous reliance on external factors (politics, relationships, public aid) as scapegoats in personal finance.

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Transcript

[A]

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

[B]

I am actually kind of in debt because of the past election.

[A]

If Kamala was president as well, would you be saying the exact same thing? That because of the last election you have lost money?

[B]

I'm actually really good with numbers and I get told all the time that I should have been an accountant. And as much as I don't want.

[A]

To, why are you crying about being an accountant?

[B]

Because I don't like the job. It's gotta be better somewhere else. It has to be better anywhere else.

[A]

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[B]

Hi, I'm Lynn. I'm 31 from Kansas City. And this is Financial Audit.

[A]

Yes, it is. Thanks for coming down to Austin. What do you do up there for a living?

[B]

So I'm a hairstylist. I own a salon and we're building out some stuff.

[A]

They are curled.

[B]

Yes, they are curled.

[A]

I see. Yeah, that's what a hairstylist would do. Very good.

[B]

I'm trying to permit.

[A]

Trying to. Is that a multi week process?

[B]

It is. Your hair is not healthy enough to do it, huh? Yet.

[A]

Yours. Yep. You said yours.

[B]

Yeah. Talking about me, My hair.

[A]

You talk to yourself in the yours?

[B]

I absolutely do.

[A]

Okay.

[B]

I have third person conversations all the time.

[A]

Hopefully not out loud.

[B]

I work for myself, so kind of.

[A]

But there are people in the chair. If you start having conversations with yourself while you're doing their hair, they might be afraid that you're the one with razors and scissors.

[B]

They are just as crazy as I am, actually. It's fantastic.

[A]

Okay.

[B]

Okay.

[A]

Very good. So you must be making good money, business owner.

[B]

I'm hoping not as much. We've got kids at home and they're kind of the priority.

[A]

Okay. When you say we see. I don't know, are we talking? We as in you?

[B]

Me? Yes. Sorry. I have kids at home and they are my priority, so that's fine. I make so that I can show up for them. I choose to make a little bit to help.

[A]

So it's just you?

[B]

It is just me.

[A]

Okay, good. How many? Well, not good, but whatever is what it is. We're dealing with it. How old are they? How many kids?

[B]

2, 9 and 11.

[A]

So what's going on?

[B]

So I am actually kind of in debt because of the past election.

[A]

Wait.

[B]

I know, it's kind of crazy.

[A]

Well, at least you acknowledge it. What the do you possibly mean? I don't know. Anything that happened the day of election or inauguration that was like all of a sudden, here's a loan. Federal government, Please have it.

[B]

So most of my clients are affected by how the economy works, including my.

[A]

Well, that's everything in the service based.

[B]

Economy, including my boyfriend's work. He's in construction.

[A]

You have a boyfriend?

[B]

I do.

[A]

Okay.

[B]

And his income has been affected drastically. And so.

[A]

Or is he in construction?

[B]

What do you mean?

[A]

What kind of construction does he do?

[B]

He mostly does flooring, but he's done whole home remodels. He does some handyman here and there, but a lot of that work has slowed down as well.

[A]

That's interesting because if I'm not mistaken, especially when home prices were soaring as materials were a little more expensive, people also stopped renovating as quickly. And that was in the high inflation time. Wouldn't that have infected his job as well? About three, four years ago, so. And then got a little better for a while and you know, for a little while.

[B]

Yes. And we were kind of doing okay at that point. Now we do live separately and we handle our finances all separately.

[A]

You've broken up?

[B]

No, we just live separately. We have friends.

[A]

You say now?

[B]

Yes.

[A]

You were together?

[B]

We are together.

[A]

No, you live together for a short time. It's usually indicative of a great relationship. Moving out.

[B]

We did not agree on how some of the debt situations were being handled and to keep.

[A]

Also indicative of an incredible relationship.

[B]

Outside of that, it's actually wonderful.

[A]

Sure. Outside of the things where we agree on life matters, it's great. Yeah, it sounds like a nice friends with benefits, but we.

[B]

To keep each other from getting tied to each other's debts, we decided to live separately.

[A]

What do you mean you weren't married?

[B]

Yes.

[A]

Living together doesn't all of a sudden make it a legally binding thing.

[B]

Common law comes into play.

[A]

Are you in like common law marriage?

[B]

No, because. And a big reason to avoid that is. Or a big way to avoid that is not living together. We don't share a mailing address, so it can't be insinuated or taken as we are living together and presenting as a married couple, because we aren't and we don't.

[A]

So going above and beyond on that. So last election.

[B]

Yes.

[A]

I'm a little confused on exactly what you mean by that. Now I know job Numbers, jobless numbers, unemployment overall. I've covered this in the live streams on the Caleb Hammer Live YouTube channel ever since like the height of the best employee market in the history of basically humanity about four years ago. You know, jobs gained on a monthly basis has been a steady decline. You know, people think the president has a lot more impact than they do now. You could yell tariffs. You could yell a lot of things.

[B]

Right.

[A]

Which I'm sure you will.

[B]

No, no, no. I really don't think they can impact as much as people say that they.

[A]

Well, they can. It just takes longer.

[B]

Right.

[A]

And even the Federal Reserve, Jerome Powell, who is not the biggest fan of Trump specifically says we will not see the long term, the, the effects of, of tariffs for like a decently while. It takes a long time to filter through the economy. Yeah, people get hyper political and excited online, but you know, it's, it's whatever. But we're on the same trajectory and trend that we have been in terms of job numbers added on a monthly basis. Like, I, I, if we would be almost in a very similar economic thing we're in right now. If Ko is president as well, would you be saying the exact same thing? That because of the last election you have lost money?

[B]

Probably.

[A]

So you blame everyone but yourselves? No, um, you can blame economic conditions. I bet people do less home renovations when things aren't as juicy. It's, it's, people borrow for home renovations. Interest rates are still high even though they've come down a little. Even still, people are less likely to invest in renovating a house when interest rates are high.

[B]

Couple years at potentially moving out of the country and it's just never feasible.

[A]

Does that make sense? For in what, in what way?

[B]

It's got to be better somewhere else. It has to be better anywhere else.

[A]

Anywhere else?

[B]

Anywhere else.

[A]

So you'll be moving to sub Saharan Africa. I'm like, what do you say?

[B]

Fuck me for no, probably not. It's too hot.

[A]

He said anywhere.

[B]

Almost anywhere.

[A]

Oh, okay. Pushing the goalpost a little bit, just a smidge. Okay. Where's it better for you? Salon owner, business owner.

[B]

Salon owner, business owner. I don't know. I haven't had, I'll tell you, an.

[A]

Economy that's doing pretty well. And Europe, I'm sure you really like Europe. Poland. Poland's increasing. Poland's doing very well. But you know, what happened if you employed other people in the salon? You know, happens if you want to fire them, oftentimes depending on what contracts you're on, if you want to fire Them, you still have to actually keep them on for about a month, two months, depending on time.

[B]

Well, luckily my boyfriend doesn't agree with that plan.

[A]

Your boyfriend, who you're definitely not going to get married to and are not connected to in any way whatsoever. So. Okay. Yeah. So he likes living here. I mean it sounds like he has his own business, right?

[B]

Yes, he does.

[A]

So, yeah. Why would he want to leave?

[B]

I understand that's where the. His logic and my logic sometimes don't always mix.

[A]

Now I'm concerned we can blame economic conditions for certain things, but you went to blame in the election.

[B]

Yeah, a lot of things.

[A]

That's a lot. That is someone who does not take any kind of accountability or at least any kind of objective intake of information about the economy.

[B]

Yeah, kind of.

[A]

If you want to go straight politics about it. There's all. There are certain things. If, if, if the, if he made it illegal to renovate houses. Yes, we could blame that.

[B]

I think a bigger part of it is that they. A lot of places are worried about things going into recession.

[A]

Yes. And that would happen in the. If it was the other administration too.

[B]

Yes. And so they. A lot of stuff comes to a complete halt. It doesn't even just slow down. Like 80% of the work disappeared.

[A]

Exactly. And that's not the last election though. That is interest rates being high. That's the purpose of interest rates being high, to cool the economy, bring down inflation. And when you cool the economy, you bring it down. And you usually. When interest rates are this high compared to, you know, the average of interest rates in the past decade or so. Yeah, when they're this high, statistically a recession follows.

[B]

So no, it's about when it all.

[A]

And I'm not jerking off the president. I don't give a about that. But when you're going and you're blaming something on something like that instead of actual, you know, objective information, it's the.

[B]

Thing that makes it together.

[A]

It's a coat.

[B]

Because so many people stop so many of the businesses that he was doing work with and contracting with, but maybe.

[A]

They picked other businesses as well.

[B]

They completely shut down. So all of that work disappeared entirely.

[A]

For the businesses that shut down. And also what does this matter? This is your boyfriend. This isn't you because you guys are married together. You're not dual income. Like I'm sorry, that sucks. I'd give him a handshake and a hug, but this isn't you because the goal long term. What about you and your business? You said you're not Doing well.

[B]

No.

[A]

That's the last election.

[B]

Yes. It's gotten much worse. People do still have hair, but the grocery prices at least dry that have gone up drastically and they are having to now choose going to the grocery store, getting their hair done on a regular basis.

[A]

It depends on the food items specifically. You know, the food item that went up the highest in cost this year so far. I don't Coffee.

[B]

Probably.

[A]

Why?

[B]

I don't know. I can't drink it.

[A]

But you're trying to blame everything on can't drink coffee.

[B]

No. Is your body why I have heart problems. I can't have caffeine.

[A]

Don't do that. Okay. Yeah.

[B]

We avoided at all costs.

[A]

Oh, good. We.

[B]

We.

[A]

You coffee.

[B]

Yes.

[A]

A lot of people thought tariffs. I thought tariffs. Then I actually looked into things instead of just blaming the last election. Bad season in Brazil where we get a lot of our beans.

[B]

Was it really?

[A]

Yes.

[B]

Huh.

[A]

Lots of drought issues.

[B]

That makes sense.

[A]

Dramatically affected the supply. Dramatically affects the price. When you're actually interested in learning instead of immediately going into politics of good guy, bad guy. My team. Your team, you actually get to learn things and blame things. Some food prices are down. Some food prices are up. Coffee is dramatically high. Eggs went high. Have relatively come back down. Not perf. Perfectly right. Meat is up, Some produce, berries are down.

[B]

Yep.

[A]

Are you suggesting that everyone in the median United States in your area is choosing, you know, oh, let's make sure we choose our steak over getting a haircut. Yes. You're on the supply of services. You're on the end of services that like people wouldn't go bougie over in a downturn and people are a little more nervous now. So I can appreciate that to a certain extent. But you are over exaggerating the potential impact of what things are like at this exact moment. This isn't great recession.

[B]

However, it still has impacted us severely.

[A]

Who?

[B]

My. My family. My children. Myself and my children. And tell me what's happening.

[A]

Tell me what's happened.

[B]

I have a lot of this debt because we are. My significant other and I are trying to start a business. We are building out some salon suites. The economy is so bad, we wait.

[A]

But your own salon don't work in. Why are you building out more?

[B]

I have a salon suite that I work in and is licensed as its own salon. We are trying.

[A]

You have like a booth in a salon is what you're saying?

[B]

Nope. I have a whole private room. Like this room. It's an entire private room.

[A]

It's one of those buildings you Walk in. There's a ton of private rooms.

[B]

There's only five.

[A]

Okay, so there's only five in this. It is very little building. Gotcha.

[B]

And it's more of a snarl.

[A]

But what I'm explaining is correct. It is one of those places.

[B]

Yes.

[A]

Yeah, yeah. Sometimes there's a little hair massage booth. Sometimes there's a little.

[B]

Yeah, some of them are offices.

[A]

Exactly. It's a. It's a little rent of space. Got it.

[B]

Sure.

[A]

And you're trying to get more, but yours isn't successful.

[B]

We're trying to get.

[A]

You're blaming the economy instead of yourself.

[B]

You can have other renters that can come in and rent those spaces.

[A]

So you're trying to buy real estate or you're gonna sublease right now.

[B]

We're gonna sublease tension if the economy.

[A]

Is not good right now. If your entire justification for why you're not doing well is because people are not willing to go spend on hair, why would you go rent units for hair being done that you would sublease out? Because if it was. If yours was impacted because of the overall economy, it impact everyone. Now I'm a little skeptical to a certain point. Some things are impacted. Don't get me wrong. I want to be very real about that. And one of the things people cut on on our, you know, services and things like that. But you know, personal appearance. That is one of the things that people do still care about. And I'm skeptical of you. The hours you're putting in the price comparison in the area.

[B]

Yeah.

[A]

What research have you done price comparing in the area for what you offer versus what the median is?

[B]

So there are I think 13 hair salons in town and I am on the like lower side of average price wise haircuts, making me even more skeptical.

[A]

Something's wrong.

[B]

Haircuts in my town range between 45 and $75. I'm at for haircuts at the $45 range. Some color services.

[A]

Something's wrong because they would. But people will still get their haircut. That is an objective reality. Yes, they will go to the cheaper one. If they're not going to you. There is something more wrong than you're willing to admit.

[B]

Most of my services are color services.

[A]

Okay, well, yeah, people are gonna cut back on that.

[B]

Exactly. And that's where the majority of my income comes from. It's business. Help me do that. I don't know how to do that.

[A]

Focus on cutting hair. You just already answered that yourself. What do you mean? You just answered that yourself.

[B]

I do cut hair. I just don't focus on it. I don't have any Just haircut clients.

[A]

That's what we're focusing on building. That's what you're doing any kind of meta advertising on social media? Posting?

[B]

Yeah. I don't do a whole lot of that either.

[A]

Well, yes. Why would you do that as a business? Huh? It's almost like the things that you immediately try to blame aren't what's actually holding your business back. It's almost like you are not serving the clientele on what the market is demanding. Who would have thought?

[B]

I struggle to remember to do that because it's a lot to manage. It is a lot to manage.

[A]

Paper, pen. Shut the up. What the. What kind of bull excuse is that? I struggle at remembering things and staying organized too. I set myself reminders on phone endlessly.

[B]

I raised two kids. I raised two kids in man.

[A]

No one's ever done that in the history of humanity. We're not all here because other people have had kids or anything. That's never happened. That has never happened ever. Through the entire multi. Hundreds of thousands of years of human existence. What? 250,000 years. I forgot.

[B]

I don't know. I couldn't tell you.

[A]

You have kids?

[B]

Yeah.

[A]

Huh.

[B]

I manage them by myself.

[A]

Oh my goodness. No one's ever done that. You'll get sympathy.

[B]

I know they absolutely love.

[A]

You'll get sympathy from me to a certain extent. But blame everything on anything outside of what you're doing. You can set a phone reminder you having kids doesn't take that away.

[B]

It's harder to manage doing that on top of taking care of them and doing everything to run. No.

[A]

So you set a reminder. That's what I'm saying. Having kids does not prevent you from doing this. Boom. And then you set a reminder. It's as easy as that. Dude. Kids does not take that away. Your life is a little more hectic. But you also have a boyfriend. What are we doing? How many hours a week do you work?

[B]

So I average 20 to 25.

[A]

Okay. There's another failure number two. These things you want to sublease, do you already have them?

[B]

So we have the space that we're building out each of the units.

[A]

Okay. How many units are you building?

[B]

Seven.

[A]

Are these seven individual rooms?

[B]

Yes.

[A]

So you already have. What's the square footage of this?

[B]

The whole build. The whole unit. The whole large unit we have is 1400 square feet.

[A]

Okay. So these are gonna be quite tiny rooms. Okay.

[B]

They're actually larger than some of the other ones.

[A]

How long have you guys had this?

[B]

A year. Just over a year.

[A]

The is wrong with you A lot. What's taking you so long?

[B]

A lot is wrong with us. Us as in you, me and my boyfriend? Since that's what we're working on together.

[A]

Yeah. That might be projecting onto him. Why is this taking so long? It's been a year. It's been 14 months. Over a year.

[B]

It say. I know. I said the same thing. We were in a car wreck. Me, both my kids and my boyfriend. In August of last year. We signed the lease last year. Yes, we signed our lease August 1st.

[A]

If you said August this year, I would be okay. August last year. I'm sure that was traumatic. I'm sure that's sad. I'm confused. Why has this not been built out in a year?

[B]

Because along with the loss of income and the loss of income with all the thing with his work all slowing down. Because it's something we're doing together.

[A]

You shouldn't. Why are we mixing relationship dating, not even marriage into a business, but we're doing it anyway. It's gonna work out so well.

[B]

Hopefully.

[A]

No, you don't call yourself we sometimes.

[B]

It'll be fine. But we were in a car wreck in August last year, so we signed our lease August 1st and August 4th. We were in a car wreck.

[A]

But this was last year.

[B]

It was. I have. My hands are stuck. My ability to do my job has been a little bit less. His income had really died down. So.

[A]

That doesn't make any sense, though. That doesn't make any sense because the election wasn't even happening in August. So if it had Already preparing for it. This is cope. Blaming things on politics is just so stupid. Ideally, that's more in your own control than your own. Well, sure, okay. Take six months. That's fine. But it's been nine months since. It's been now 10 months since the beginning of the year. August was halfway through last year. So, okay. Recovery sad. Absolutely. I get it. Things aren't absolutely great after that hard situation. I mean, I know you drive. We had a conversation about it before you filmed. So it's not like you're completely dramatic. You're like. You. You're like. Come on, you drive. Right? You're. You're back on top.

[B]

Yes, mostly.

[A]

Come on. 10 months this year has been 10 months.

[B]

Yes.

[A]

So 14 months in signing, but 10 months this year?

[B]

Y. Because.

[A]

Why haven't you done anything? How much does it cost? What are you investing into this thing that you can't even make work yourself.

[B]

So originally though, sounds like a horrible idea.

[A]

What's your lease term?

[B]

We've got a three year lease.

[A]

Oh, and you're already a year in.

[B]

We're a year in, buddy.

[A]

You're gonna have to increase your revenue by your rent by 33% just to break what you're supposed to be making in the first place.

[B]

Yeah.

[A]

What's Your monthly cost?

[B]

1400 is rent.

[A]

Which in what way? What money do you bring in on a monthly basis working 20 hours a.

[B]

Week so that actually he pays. Usually he pays the rent.

[A]

You're lucky you have this simp.

[B]

Sure. He fights me on a lot of decisions.

[A]

Well, I'm sure, because this is bat horrible.

[B]

It's fine, girl.

[A]

He covers 14 months. Fourteen hundred dollars. Nothing to show for it. How close are we being done in renovation?

[B]

We've got about $1,000 more that we need to put into it.

[A]

Okay. Which means about 5,000 dol. Thousand dollars probably.

[B]

No, it's about a thousand because it's just materials. We have pretty much everything and we. He's doing the work. He's in construction. So he's actually really great at what he's doing.

[A]

Great. Taking time and money away from what? Dude, it's a. It's at least not even something you own. You're trying to sublet. Your entire business is subletting. This is not great.

[B]

The goal is to purchase the building. The current building owner is actually retired.

[A]

Yeah, but you need money.

[B]

We do.

[A]

Because retired person doesn't mean they're going to give it away for free. That's actually if we're on the show. You're not doing well.

[B]

No.

[A]

And if the boyfriend's money has dried up due to the last election, then good luck.

[B]

It is starting to pick back up a little. Catch up. The catching up. I mean, he did a lot of work to get caught up.

[A]

I just want to. I just want to make this very clear. When things were bad, It's a politician's fault. When things are good. It was my fault.

[B]

No, it was his. He did. He did the kitchen. Yeah.

[A]

So bad. Someone else good. Him. Yeah, right.

[B]

This is fine.

[A]

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[B]

It's been really hard to get some of the products that I like to use. Some of my clients prefer to use because of where they ship in from. They no longer.

[A]

Believe it or not, you're not the only salon in this entire country now. So other people are figuring out a way. I can't speak on it. I don't own a salon. But to suggest that you. She can't off. So he pays all the rent and utilities.

[B]

He pays the rent, utilities for the shop? No, he hasn't missed it.

[A]

My goodness. Why are you. Are you even dating him? To date him or are you businessing him?

[B]

No, absolutely dating him to date him. I don't know what I would do in life without him.

[A]

And what's this owner gonna sell the building for?

[B]

That discussion hasn't entirely been had yet because we are not all there yet. He's not ready to sell it yet. Oh, but that was his deciding factor in picking us to take the space.

[A]

Does he know how you are?

[B]

No. They get their rent checks on time, so they don't need to know fully.

[A]

Building out full started at 20, ended up going to 30 and then 40 to 50. What the. So, oh, now it's gonna be upwards to 70. Started at 20 with the 70.

[B]

Yeah.

[A]

See, that's you. That's not. That's not.

[B]

That's actually not.

[A]

Come on. Tariffs didn't move it from 20.

[B]

Tariffs.

[A]

Then what the are you talking about?

[B]

The building measurements that we got 70. The building measurements that we got originally we had built a whole business plan around.

[A]

What's your rent?

[B]

1400.

[A]

And then utilities. I'm going to call 16.

[B]

Utilities are actually only about 250 right now. If it stays.

[A]

If it stays 1650. So 1650. So once it goes up. Okay.

[B]

Oh, yeah.

[A]

I'm going to say 1750, dude. So 63,000 is your entire cost of that. And then the 70,000 build out.

[B]

Yeah.

[A]

And then your inspections, and then you're going to have about a year and a half. So in your year and a half, essentially, what you have to do, you need to bring in just to break even. $7,388.

[B]

Yes.

[A]

A month?

[B]

Yes.

[A]

Good luck. No one rent something for 1500 in subleases for 7,300, $400 a month. That is not. You will lose money. Let's just be clear. No, you will lose money. If your business is failing because the economy's turned down, you're gonna think you're gonna lease out seven units.

[B]

The hope that it was.

[A]

This is not going to overturn.

[B]

We're gonna get multiple people in there, and it was gonna all be fine. Everything.

[A]

Sure. You might get some people in there. $7,400 a month just to break even for the year and a half you'll have left. No.

[B]

Maybe.

[A]

What. What are you renting per unit for your tip?

[B]

I have two of them. Rent for each of the rooms is six of the rooms are 900amonth. And I have one room. It's a double room, so there's two chairs in it, and that is 1750amonth.

[A]

Good luck. What are you renting yours out for?

[B]

580.

[A]

You're so.

[B]

It is not built out as a salon, though. I had to put in all the plumbing and everything. So what?

[A]

First of all, even your math doesn't add up to what you need to break even. You're gonna fully lose money. Cause even you overcharging, let's be honest.

[B]

It'S actually under for the area.

[A]

Come on. You think everything is under? I doubt it.

[B]

Come on.

[A]

You're dramatically under where you're renting from off.

[B]

Oh, I am for where I'm ren. The closest other set of actual salon suites, though, rents for almost twice as much as we have renting.

[A]

Fact check, by the way. Only one suite is done.

[B]

Yes, one.

[A]

So I'm being told not to let you make it sound better than it is, because.

[B]

No. Only one suite is done left.

[A]

This has cost $70,000. One suite is done. And you say it's a thousand hours to get the other six up and running.

[B]

Nope, it's a thousand dollars to get it to where we can get a fire inspection and get it open.

[A]

What, that one suite?

[B]

No, there are other suites that we need to get sheetrock up in and get the ceiling put Together. So all of that's about $1,000.

[A]

There was nothing. No way.

[B]

Because of my.

[A]

I refuse.

[B]

Because of the.

[A]

I've done office renovations for sure.

[B]

It's not start from scratch. It's three quarters of the way done. We just have to put it back together.

[A]

Good luck. Oh, I have pictures.

[B]

Yes, you do have pictures. I know. I didn't realize we were gonna have pictures, so I just took random snaps the other day.

[A]

Are you sure people are gonna pay this money for it, Big guy? We got floating vinyl in Millennial Gray.

[B]

Yes.

[A]

You really wanted to lease out units in 2015, not 2025.

[B]

I mean, it's 2025, so that's what we're going to do.

[A]

Yes. These are 2015 units. Even though they're brand new on floating vinyl.

[B]

Not from what the other suites are in around our area.

[A]

You compare to everything. You don't actually try to stand out in the marketplace. That's how you make a killing. You are not going to be able to make your premium if you're just endlessly. Yours is brand new. Full built out.

[B]

Yes.

[A]

Floating 70,000 hours for that. I'm sorry. Is horrendous.

[B]

Well, we originally weren't having to plan on moving walls.

[A]

We moved walls.

[B]

We had to move walls.

[A]

Oh, my. This is.

[B]

The original measurements we got were not accurate. So what we built our plan on originally was not having to move walls. So that's where the 20 to 30 came from. And then we got into it, and the measurements weren't off by a few inches. They were off by a few feet because someone else did them. And so we had to move walls.

[A]

How'd you get to the studio today? I heard you're afraid of Ubering.

[B]

I do not Uber when I'm by myself. I drove. I have a rental car.

[A]

Why are you afraid of Ubering?

[B]

Because I'm a single woman traveling on my own, and I can only fight so much, and I have kids to get home to.

[A]

What do you think happens to single women and Ubers?

[B]

I've got plenty of people who've almost been kidnapped in them. Not saying everyone does that by any means. Hopefully it's happening far less. I'm just not willing to risk. Was also cheaper to get a rental car for the driving from the airport to where I stayed and breakfast.

[A]

That may have been true than it.

[B]

Was to get an Uber.

[A]

So this guy, 70,000 hours. How have we invested this? Where's the money come from?

[B]

So the original plan that we had put together was that boyfriend was going to Cover the rent and the utilities. He was gonna take my car insurance, my car payment and my phone bill. And then we were gonna put the remodel stuff all on my credit cards cause I had zero percent on all of them for at least a year.

[A]

When we started it's been $70,000. You got 70,000 on interest rate.

[B]

And then my income was going to go all towards getting those credit cards paid on. So we would essentially use my credit cards to get it all built out and as we made payments on them, continue using them so we could finish it out. And then once it's done then we. Since his income wouldn't have to go on our rent and utilities there anymore.

[A]

It could go back towards the end from your job. What hits your account on an average monthly basis after expenses?

[B]

Um, after expenses based on my taxes last year it's about $1,000.

[A]

Ayo, what the fuck? Want to know a dirty little secret? And no, I'm not starting an only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollarwise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download dollar wise today you'll get to try it for free. Plus 3 months for just 9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

I can flare my nose too.

[A]

I'm breathing stressfully.

[B]

A every day existential dread. Every day.

[A]

Yes, I would be too if I had a failed business and I'm investing into more hoping that other failed businesses are able to pay for my failed business. Just smiling way boy. What the is wrong with you? 1,000 hours a month.

[B]

Uh huh.

[A]

You're a mother. That's unacceptable.

[B]

It's not. That's where it's at right now.

[A]

It doesn't have to be. You do not have to be this self employed queen a businesswoman of the century on Time magazine. You can go get a job.

[B]

The problem is one of my children is special needs and to get him.

[A]

To appointments I buddy, you're low income. I know for a fact you could have assistance in a major city. We do have especially in a major.

[B]

Blue city we do have some. I do have food stamps and I do get some Child support.

[A]

Child support. Daddy.

[B]

How much comes in from one of the dads? It's.

[A]

Oh, there's 2Dads.

[B]

There are. I tried to do better with the second one, but it. It was worse.

[A]

Is it you or them?

[B]

Them. Absolutely them. 100% them.

[A]

Okay.

[B]

Like I beat them out in court. 100% them.

[A]

Well, that's good. But you call yourself we, so. I'm struggling.

[B]

I do.

[A]

We also have a little bit of a victim complex.

[B]

A little. It's been through a lot in my life. Working on it.

[A]

That's what everyone says.

[B]

I know. You want to know how much child support is? It's a hundred. And I think it's 148.

[A]

A month?

[B]

A week.

[A]

Oh, thank goodness. Because that's.

[B]

I know.

[A]

Times 52 divided by 12. So we'll average it out at 641 and 33 cents a month.

[B]

Roughly.

[A]

Why doesn't the other dad give money?

[B]

Job hopping, huh? Yep. There's a whole lot going on in there.

[A]

Huh.

[B]

When I do have child support from.

[A]

And food stamps.

[B]

321 per month. Okay. It's been. They.

[A]

I'll put that towards the grocery. But they lowered 436.

[B]

They lowered the.

[A]

Lindsay said 436. Yeah.

[B]

Yeah. It went lower because I had a renewal. But the requirements.

[A]

There's so much of this. That's your choice though.

[B]

Some of it.

[A]

Yeah. You don't need to be doing this self employed bull again. You're not trying to get on the COVID of Time magazine. What are we trying.

[B]

Absolutely not.

[A]

Woman power. Like I don't give a f about that. Don't work a job.

[B]

I'm trying to have a job that I won't lose if I have to go do something for my kids.

[A]

What does he have?

[B]

She.

[A]

They probably. He.

[B]

Okay. He's back in regular school this year. We've done online school for two. Two years. My oldest is doing it for a third year.

[A]

Why?

[B]

Because the school district, specifically the school that they were in, tried to tell me that his disability was not a disability and they wouldn't make accommodations for it.

[A]

What's his disability?

[B]

So he has ADHD and autistic.

[A]

And is this officially diagnosed via a doctor? Then how would the school say that? I'm having a hard time believing this.

[B]

I was asked if you had a.

[A]

Diagnosis from a doctor. I don't think a school would say that.

[B]

Nope. They did. They didn't say he didn't have it. They said it's not an. It's not a disability. And we don't make accommodations for it. So I refused to let their education fall. So we've been doing school online at home.

[A]

Is that gonna be better for an ADH deed?

[B]

Actually, he did really well with it.

[A]

Then why you send him back?

[B]

There are some holes that were actually missed in his kindergarten, first grade years that.

[A]

Okay, well, he's in school and if he has. He has adhd, autism, the disability that you'd go run and save. I thought he was missing a leg. No.

[B]

God, no.

[A]

He was rolling downhill. So he has ADHD and autism. Yes, but talk about in every child born today, like, I'm sorry, but if he does. That's not a job that prevents you. That's not a thing that prevents you from going and getting a job. No, he's not sitting there stroking it out in the middle of school.

[B]

But if he's got problems and I've got to go get him or go help deal with him, well, then obviously.

[A]

Try to have a good job, good boss.

[B]

Exactly.

[A]

You are failing them by making 1000 hours a month because you're trying to build your business that is a failure. And that, like, that is your choice. Yes. Yes. You will find a lot of bosses, a lot of businesses. The business that my family's work for, you know, my business specifically, if anyone has an issue, of course they should go deal with it. That is what would happen. You can find jobs. Not every job is some massive corporate overlord bank teller. Whatever.

[B]

You'd be surprised at how many there are.

[A]

No, of course there are some. I'm not saying that too. But you live in a major metro area of the United States. I'm not. You saying you can't get a job, then you're gonna allow yourself to just make $1,000 a month while having two kids is unacceptable?

[B]

I didn't say I can't get a job.

[A]

Then go get a job.

[B]

I'm gonna show up for my kids. I'm gonna choose to make a little bit less so that I can show.

[A]

Up for my kids. No, no. Sometimes showing up is they need resources.

[B]

They do.

[A]

And you are not providing.

[B]

They have everything that they need.

[A]

You are choosing not to work, so the taxpayer is giving you food stamps.

[B]

I'm not choosing not to work.

[A]

Or do you? Yes, you are.

[B]

I do work.

[A]

Come on. You make a thousand hours a month via your choice.

[B]

I do work.

[A]

You could go make more.

[B]

I could go make more, but then I wouldn't be able to.

[A]

If someone is saying they could go make more and yet we subsidize Them. Is that fair? If you can. I want to subsidize the out of people who cannot because I don't want.

[B]

To be absent from my kids life because they don't have another parent's life.

[A]

If you're working nine to five, you're not. Dude, there's single families all over the place and people can have a good life. You're working 20 hours a week, you're not working 40. I don't want to hear it. If you're working 60, 80, you never see them. Yes, I would be on your side. You're working 20.

[B]

Well, it was.

[A]

You are not able to provide the resources required for them to have a good life. You will not be able to retire by the time they are in unconsensually born, by the way, they did not really have a choice. By the time they are 40 trying to make their life, Mommy's gonna be like, oh, I can't live. They're gonna put their life on hold to support you.

[B]

You're gonna not.

[A]

Oh, this is what everyone says.

[B]

Absolutely not.

[A]

You say you don't want that. What do you think they're gonna do? They will. They will. They will be morally obligated. They will. Because you're choosing to go work the job you want to do right now and using them as an excuse to do it. Let's be honest. Come on, be real. Go get a job. Work 40 hours a week, 9 to 5.

[B]

I don't want to.

[A]

There it is. Hahaha. Government, Kansas, Missouri. Take away her food stamps right now. Did you just hear that? Take them away. I'm not even kidding.

[B]

I will.

[A]

You don't want to. You. That is not a truth.

[B]

I don't want to. I don't want to.

[A]

Then that is not fair. That is not a choice. Subsidies should be there and even more for those who cannot. You can. And you're choosing not to because you do not want to. And I knew the more and more I pushed on it we would find out that you're doing this because you want to straight up. Not because you can. Using adhd. Using ADHD and autism. Yes. Is he able to communicate with other people?

[B]

Yes.

[A]

Okay, then I don't want to hear it. Come on. He's every gen beta ever. Gen alpha, gen beta. He is every single one of them born. Maybe they're all getting diagnosed with this. If he's able to communicate with people and he's able to do things, and you're right, he probably didn't need the accommodations that you're thinking based on everything you're telling us, the more information is unlocked, the more we're finding out. He could probably just go to school.

[B]

Well, he is back in regular school now because he was. Because he was missing things that should have been taught when he was in kindergarten and first grade Thought and we needed help filling those holes.

[A]

Well, you would make more money, by the way, getting a babysitter that could wash two hours between school and you getting home and you going and actually making money like a adult 31. What a joke.

[B]

I know. It's fine. Everything's fine. Though.

[A]

Take away her food stamps.

[B]

Please be fine.

[A]

Please, please.

[B]

I would like to eventually.

[A]

Why are we supporting your choice of not working? It is disgusting. Then you blame the last election. What the wrong with you Blame everyone but yourself.

[B]

A lot is wrong with me. I think we established that though, by the way.

[A]

We did the math. You can get a job at Super Cuts there and you will make more money.

[B]

The closest super cuts is an hour away from me.

[A]

Okay, then the alternative. You're saying there's no alternative. An hour away off.

[B]

There's not a. Oh, yes, there is.

[A]

There's no way.

[B]

We have just haircuts and color and there's nowhere else that does haircuts and color.

[A]

I don't care about what you want to do. I care about you making money.

[B]

I understand then. I don't give a f. I want to go to work and I don't want to go to a cliff.

[A]

I don't care. Take care of your f. Kids.

[B]

I do.

[A]

Be a mother. No, you don't. No. You're milking the taxpayer because you're a spoiled brat.

[B]

I would actually like to get off of those things.

[A]

No, you wouldn't. You would go do it.

[B]

God, no.

[A]

What?

[B]

No.

[A]

If you wanted to, you would.

[B]

I would. I have applied. I have actually tried to. I want to get. Working behind the chair has been very difficult. So I'm trying to figure out what I need to do to get into a different career field in the next 5ish years.

[A]

I'll get you a course career certification. Accounting, something like that. A lot of people have used that to get into new career fields or boost things.

[B]

I'm actually really good with numbers and I get told all the time that I should have been an accountant. And as much as I don't want to.

[A]

Why are you crying about being an accountant?

[B]

Because I don't like the job. Huh? I don't like the job.

[A]

We all do things we don't like. Believe it. Or not. Like, even though I really love my job, I particularly didn't want to come in here and film today.

[B]

That's fair.

[A]

I didn't want to deliver subs for Jimmy John's many times. I didn't want to do sales calls. I didn't want to do product management meetings. I didn't want to go to school. I did it because I'm a big boy. You cry that you don't want to. I'm so sorry. I'm so sorry. I've never called someone off for crying on the show because almost actually every other time someone has cried, I have found it reasonable. You're crying because you don't want to do numbers.

[B]

I'm crying because I'm sorry. I enjoy the career that I've gotten into and it's sad to have to acknowledge that. You have to get out of it.

[A]

You don't have to. We just saw that there are.

[B]

It's not even necessarily get out of it because of the finances but just because of my ability to do the job has gotten harder. It's gotten worse. So it's not something.

[A]

If you can't stand behind a chair, what are you able to do?

[B]

Well, I can stand behind a chair. I just can't do like my income's almost half of what it was like years ago.

[A]

What are you talking about then?

[B]

Because I was able to do extremely complicated multi.

[A]

Type in your town. Type in your town. I don't want to hear us. I. I feel like it's this, it's victim complex to the extreme. I just can't handle. And apparently allegedly you don't use TikTok it.

[B]

I really don't.

[A]

But it's just like you are that to the core. I'm glad you. Okay, first of all, come on. You are so close to so much. This is crazy. This is crazy. You're like a couple second drive to the many deep suburbs of Kansas City. Let's be honest. Your bank saving account is probably doing less than your expired gym membership. The national average saving rate is like 0.39% APY. That is basically your money taken in half. But with today's sponsor Chime, you can earn 3.5% APY on a high yield savings account that is over eight times the national average. Let's break that down. $5,000 in a regular savings account might get you 20 bucks in interest a year. But chime closer to $175. That's enough for noise canceling headphones or two tanks of gas depending on how Things are going. And unlike traditional banks, Chime doesn't hit you with monthly fees. There's no minimum balance and the whole signup process takes less than two minutes. I'd use this to build an emergency fund or start saving for that vac vacation to Iceland. And right now you can get up to $350 with a new Chime checking account when you sign [e-mail] caleb just to try it out. So go to the link in the description box or scan the QR code on screen, sign up in two minutes and start earning that sweet 3.75 APY with chimes high yield savings account today. You ever have one of those weeks where you swear you'll cook every night and then it's 9pm you're tired and dinner becomes the chipotle around the corner? Because me too. But that's why I've been using Factor, the sponsor of today's video. Factor's been a game changer because it actually makes eating well realistic. Their meals are fresh, never frozen and ready in just two minutes. Microwave done, no dishes, no excuses. And the menu, it's way bigger now with over 80 rotating meals every week with double the seafood, double the protein options and new global flavors like Mediterranean and Asian inspired dishes. You can even swap proteins for free. So if you're not a pork chop person, go chicken instead. Factor's meals fit any goal.

[B]

Goal.

[A]

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[B]

It's also super convenient because my salon right now is a half a block away from my house so I can walk there faster than I can drive there.

[A]

And you know what? Scissors and Scotch. A local chain, Midwest Cuts. Chris stiles scissors cuts N8 barbershop scissors Scott's Royal Barbershop. All this 10 minute drive.

[B]

Barbers. I'm not a barber buddy.

[A]

I go to a barbershop.

[B]

I know.

[A]

Get your certification. I go to a barbershop and a woman cuts my hair. You're okay.

[B]

Another 1500 hours of school and another $20,000 of student loans.

[A]

Okay. Okay, fine. Scissors. Scotch. Scissors.

[B]

Applied.

[A]

Do you suck? I don't know. There's so many of them. I. I would love to see your resume. I'd love to see how things work. Because when I hear I applied, just nothing happens.

[B]

Is this like I've applied and I went and interviewed. I was getting ready to have surgery beforehand, so they were. They was. What they told me is they didn't want to hire me right before I had surgery and go. Leave. Do what.

[A]

What was your surgery?

[B]

I had a partial hysterectomy.

[A]

Oh, okay.

[B]

But they didn't want to hire me on right before I had my surgery. Not knowing. Exactly.

[A]

Also, there's a Great Clips in your literal small town.

[B]

Yes. With a horrible owner.

[A]

Oh, shut up. There is never anything in your life that is not an excuse.

[B]

Well, there's plenty of things that are my fault.

[A]

I wish I would have heard any of them so far in 43 minutes.

[B]

That's just one place. I'm not willing to work because I've worked at Great Clips before and I'm not willing to put my life in that position again.

[A]

In that position. You sound like you're going and serving on the front lines of Afghanistan. Shut the. I'm sorry, what the. You're in Great Clips.

[B]

Yeah.

[A]

You're not building a building with no strap at the top like those old pictures. You're not doing that in that position.

[B]

I would be in that position.

[A]

You're not walking the streets flashing hole to get some money. Put yourself in that position. Putting yourself in that position is Great Clips. What are we doing?

[B]

Mentally putting myself in that position. What are you doing? What?

[A]

You're a baby. I'm sorry.

[B]

It's okay.

[A]

I'm not sorry.

[B]

It's okay. I'm not sorry either. I'm comfortable with this.

[A]

You take away your assistance, you're making choices of not working.

[B]

But I do have two other jobs that are just side jobs.

[A]

Well, how many hours a week do you put into it, honestly?

[B]

So their state. I'm bartending at stadium, so it's only when there are game days. So it's not even like hours a week.

[A]

It's just also seasonal.

[B]

It is seasonal and I just got.

[A]

Them calculate this into it.

[B]

I don't. That's. I don't know because I don't have a solid.

[A]

What?

[B]

If you may.

[A]

What do you. So, okay, one time every other week? Sometimes.

[B]

Sometimes.

[A]

What have you made from one?

[B]

So at one stadium, my paycheck is about 250. And that's for about one game?

[A]

Yeah, it averages about that once or twice a month.

[B]

The other one, the paycheck, they actually had payroll super messed up on it. So like my check wasn't what it was supposed to be and it was a lot of back and forth. So if I've put it all together correctly, I think I average a 350 per game at that one.

[A]

What do I add to your pay a month?

[B]

I don't know. Why don't you just bartend that one? I can't be up that long physically, cuz those shifts are eight hours.

[A]

You can't do anything.

[B]

I can do quite a bit. It just has to be shorter shifts. I'm not going to push myself to get hurt at work.

[A]

No, just do rush shifts.

[B]

What is that?

[A]

Shift steering rushes.

[B]

Oh, maybe I hadn't heard of that.

[A]

A lot of places you never worked in service. Food service when I was in high.

[B]

School and it always worked around my school schedule. So yes, but no. And a lot of places want me to work on Sundays.

[A]

Okay, I feel like I've learned enough about you. I can now put you in a box. Sundays, I get you. I understand you now. How much debt do you think you have?

[B]

It's around 30 to 35.

[A]

It's $40,488.75. No, don't take that as a w. You did not guess right.

[B]

No, I. No, it's. I just. I'm closer than I thought I was.

[A]

Okay, so again, I. What do I add to your stadiums on a monthly basis?

[B]

I would just go with 500 to average it out.

[A]

Okay, so $2,141.33. Yep. Still nothing. Yeah, I'm sorry. Like for especially a major metro. It is what it is via your choice, dude. If you're truly broken, get on disability and I will support that. But I don't believe you're truly broken. I believe you're an endless victim. Based on everything I've learned in this conversation so far. I really do. Oh come the God. Oh, shut. Come on. What are we doing? You won't go work at Great Clips. I don't want to hear it. Yes, exactly. How much did you spend last month?

[B]

It was mostly on bills, credit, my credit card payments.

[A]

How much did you spend last time on it?

[B]

Give me a second. 2, 4, 5. Probably close to 15 to 1600 dollars to pay all the bills and then gas and groceries.

[A]

Yeah, 2,200. Which is more than you make.

[B]

Yeah.

[A]

What's Your history with that dude, I.

[B]

Actually, this is the first time I have been in debt.

[A]

Then why'd you do a credit card transfer?

[B]

Because I was running out of the time on my 0% interest, so I just did a balance transfer.

[A]

When first time in debt? Like, hey, this is also still my first time in debt because I still have my student loans that I borrowed at 18. So. What do you mean first time? Doesn't make any sense.

[B]

It's the first time I've had for me, unmanageable debt.

[A]

What first? What is like right now? But when did it start? Like, I don't know.

[B]

So honestly, like all of what you've got on statements, that's all stuff from building out the shop. Like two thirds of that is from building out the shop.

[A]

A shop that literally will not make even when you sell out all the units, you want to rent them for enough to break even.

[B]

It's where we are right now.

[A]

That doesn't make any sense.

[B]

Just where we are right now.

[A]

No, I would. A part of me would just actually.

[B]

What? Forfeit? Pay $1,400 a month and leave it empty?

[A]

No. Almost. Try to sublease the rest of your lease and swallow the 70 is a mistake because this require. This re. Requires and relies on you and renting out every single unit, which I don't know if you're going to.

[B]

It does. I have a lot of people interested, but we can't show them because they're not open.

[A]

Interested.

[B]

Huh? I can't have anyone come in because.

[A]

Getting people interested in something you want to sell is the easiest thing ever.

[B]

For sure.

[A]

Selling is hard. Hard.

[B]

We have a lot of stylists that want to get out from a booth rent situation or out of an hourly salon. Like great clips, actually. But we can't let them even come in and look at it.

[A]

What is their terms?

[B]

My terms are their terms that they would sign one year lease.

[A]

So risky. I don't know who would do that in their own mind.

[B]

It's actually a standard.

[A]

I know it is. It is moronic. Just like you. You can't. Like you're. You don't make money.

[B]

Hey, my lease term, where I'm at is three years.

[A]

Crazy.

[B]

It takes a little crazy to be a hairstylist, doesn't it, big guy?

[A]

This just isn't.

[B]

Everything's fine. It will be fine.

[A]

No, you're not even breaking even in the best case scenario. So this doesn't make sense. Can you describe how that's fine?

[B]

Because it's not an option. To give in.

[A]

That's some delusion.

[B]

So I do have something that might make you a little less stressed. Maybe.

[A]

Is it pain for me to go get a massage? Cause that might be it. That's all.

[B]

No, no. And it won't even pay for me to get a massage, actually, so. Because of the car. I know. Sucks. So. Because of the car wreck, I. It's still not closed out. I have not gotten a settlement yet because my medical bills were so high. We are actually having to sue the insurance company.

[A]

Great. So something you're going to do. Well, that means nothing.

[B]

It's been filed. I'm just. It takes time for it.

[A]

Doesn't mean you're going to win.

[B]

We will.

[A]

Maybe. Listen. Sure. That's exciting. I will believe it when I see it.

[B]

It's a silver lining. Maybe.

[A]

Which, by the way, if it doesn't get in front of a judge before August 2026, you wouldn't get a single sentence.

[B]

Exactly.

[A]

The reality is, I'm being told from your conversation with Lindsay, you very much are banking on this 30, which is a very not smart way to do it.

[B]

Super resistant, for sure.

[A]

No, it's just objectively stupid because you're living your entire life now like there's another 30 coming. Which, by the way. No, maybe not. I don't know. That doesn't even cover half of what you put into the salon. Bull. So I don't want to hear it.

[B]

I mean, as of right now, we've only put in about 30 into the salon. It would take another 30 to 40 to completely finish out and have each room ready for renters to come in.

[A]

This is broken.

[B]

Tell me about it.

[A]

I am. If it costs that much. Cut your loss. A part of me just says cut the loss. A big part. I feel that I've cut my losses on some things. Sometimes you need to be mature enough to realize when you need to just be like, oh, I had no idea what I was doing.

[B]

Yep. Because I don't have any idea what I'm doing. But going for it. Because outside of that.

[A]

What? What is it? Pride. What the. Why?

[B]

Ideal boyfriend. Agree. Yes.

[A]

Business in command.

[B]

Yes. This is one of the things that we do strongly agree on. No, he's actually extremely intelligent. No, we just. Life decided that.

[A]

No, you did.

[B]

Our path was not what our path is going to be.

[A]

You did. You did. It's not some magical thing that did it. You did. You made the choices that led you here.

[B]

I think the universe.

[A]

Shut the up. What do you think the universe is just sitting There like, oh, wow, I really care about this person in their salon. Shut the. What are you talking about? No, you made the choices that have led you here. And if you're not willing to accept the consequences of your actions, you will repeat these mistakes forever. Okay.

[B]

Most of it is trying to get a business built up up so that there's additional income failed.

[A]

That does, that is, that does not justify it. But in the height, in the height of you doing best, you still lose money. So this doesn't make any sense. If we are able to mathematically figure out that this business strategy does. Just because you go out there and do a business doesn't mean all of a sudden it's justified. If I go out there and invest $100,000 in Eliminate sand, just because it's getting up a business and running doesn't mean that it's good. That doesn't make any sense. That is not a justification. That is moronic. What do you think your financial score is 0 to 10?

[B]

Oh, it's. I took the test online. It was like 0.68.

[A]

Well, that rounds up to about a 1. If you want to take the test online, figure out where you stand, where you're doing bad, where you need to do better, where you're doing well. Take the assessment. Get your hammer financial [e-mail] it's free. Just takes a few minutes. And if you don't want to be like a guess who ends up on the show, make sure you download the down the Wise budgeting app. It is my preferred budgeting app. It is incredible. It has changed tens of thousands of people's life. Take the free trial. See if you like any. If you do save a lot of money by switching to the annual version. When you do, I will sign my budget friendly cookbook and mail it directly to your house. What the is this and why isn't this just a normal statement?

[B]

Because I could not figure out how to get an actual statement from them. I was able to get statements from a lot of places, but I could not find anywhere through the app to get the statement.

[A]

You didn't log in on a computer.

[B]

I don't know my login information.

[A]

Reset it, you tit. Reset it you tit. It's so easy.

[B]

I didn't want to. I didn't want to because then I have to remember to re log into it. Pull it up on your phone everywhere else.

[A]

Pull it up on your phone right now. Right now.

[B]

Oh, it's searching for service. I don't know what will load.

[A]

We'll get you on Wi Fi. There's.

[B]

I'm on Wi Fi. So would it be a bad time to tell you that I'm also a competitive cheerleader?

[A]

Be a weird time.

[B]

Well, it just goes into my expenses.

[A]

Don't understand why I give a.

[B]

It's gonna show up. It's gonna show up on this.

[A]

Oh, so you're paying for it?

[B]

It's just gonna show up on this. It's the first thing you have.

[A]

You're forcing people to hold you up in the air.

[B]

I actually hold people up in the air.

[A]

Yeah. I would encourage that.

[B]

You don't want me in the air. That what I'm saying. What would you like to see?

[A]

This?

[B]

The transactions.

[A]

Remember, guys, she's not working as much so she can spend time with kids. And then she spends money so she can go to her competitive cheer. You take away her food stamps yesterday. Oh, my. No. This is insane.

[B]

I know.

[A]

What the is wrong with you a lot, dude. Visa signature. This is crazy. For making $2,141 a month. By the way, I know you're not sitting outside. Money for taxes. My. Does your boyfriend set aside money for taxes?

[B]

That I don't know, because our finances are separate on that.

[A]

He better. $10,733.05 is insane. Insane.

[B]

And that's just one.

[A]

One. Yes. What's your minimum monthly payment?

[B]

If I can get that, I can show you. Because I. When I said he.

[A]

Chiefs. What? I thought you're supposed to get money from there. You're spending there.

[B]

No, I don't work for the Chiefs. I don't. I see what you're looking at.

[A]

You don't get to go to the game.

[B]

I didn't go to the game.

[A]

Why is 140 spent?

[B]

I don't know. Can I see it?

[A]

What? What is wrong?

[B]

So I can't look at it.

[A]

And then more athletic cheer. Oh, it's athletic cheer.

[B]

Yeah. Casey.

[A]

140. 140.

[B]

Yes.

[A]

What the. So that's every other week.

[B]

So we have a gym fees, which is once a month.

[A]

280.

[B]

Yep.

[A]

Okay.

[B]

Gym fees is 140. And then the competition fees, they take and average them out. Instead of one month, it's 500. One month, it's 200. They combine all of them and average them out.

[A]

So it's total about 300amonth. Because then there's also like a $30 thing. So 300 hours a month. Reminder. Her income is a thousand. She has kids. She's not setting them up for success in Any way whatsoever. And then she spends $300 a month on her competitive cheer. Guys. She gets 640. No, no, no. How much in food stamps?

[B]

321.

[A]

Ladies and gentlemen, we are technically in every mathematical form as taxpayers paying for her to go to competitive cheer. That is disgusting. You are disgusting.

[B]

I pay taxes.

[A]

If we don't need. If this is an indication that we need an audit on our programs. Because here's the thing, man. I'm okay with spending as much as we spend, but I want to take it away from disgusting mother like yourself and give more to people that actually need it. That's what we should be doing. This is insane. Missouri audit. How you are handing out your benefits. This is insane.

[B]

I mean, they go based on income.

[A]

It's disgusting. Income that you're choosing. That's unacceptable because you know you can get a better job. You're refusing to go work at a place in your own town. Shut up. And then you spend $300 a month, which is what we give and subsidize you on competitive cheer. This is disgusting. Like actually nasty. Thank goodness we're going trillions in a federal debt for this. I like robust social programs. I really do. You ruin it. What's your minimum monthly payment? So stupid. Then you spend your time on this instead of actually working. And you use the excuse to take care of my kids.

[B]

So minimum monthly payment ON that is 222.

[A]

Can I give an honest thing?

[B]

Yeah. I love honesty.

[A]

I don't think you're a good mother.

[B]

I think it's a really hard judgment to make when you haven't met me around my children.

[A]

I see what you do financially and in finances. Impacting a house in the United States of America is one of the leading causes for outcomes in this country for children. I don't think you're a good mother.

[B]

It's easy to say that when you don't see the situation.

[A]

I see the finances and I see the financial situation. And the situation is you go spend $300 a month while making thousand on your own self care instead of them. You don't work.

[B]

I think it's better for me to.

[A]

Live off the government by choice.

[B]

I think it's better for me to.

[A]

Go out of school. But via your choice for sure.

[B]

Because I wanted better for them.

[A]

I don't think you're acting. This doesn't mean you'll never be a good mother. I think the choices you're making are bad.

[B]

You can't say that someone's a bad mother when you haven't seen them around their kids.

[A]

First off, there's many things you can do that are good. But if you are doing something really bad, of which you are here, that does take away from the good. It's not a math game of how many goods equals how many bads.

[B]

It's not second off. I think it's better for my kids that I'm here. Nah, you're going to cheer versus not here. Because without one thing.

[A]

Not here, you'll be there every evening. If we do this right, to feel.

[B]

Human depression takes over.

[A]

What? What do you mean insane? You're the only human being born on this entire planet that cannot work 40 hours a week.

[B]

God, no.

[A]

Then shut up.

[B]

But the intrusive thoughts.

[A]

What is this victim complex?

[B]

Intrusive thoughts get really strong when you don't have one thing that is you outside of your job.

[A]

So what? In a pain, you know what the natural response to that would be? So then what? Give up?

[B]

No.

[A]

So then what?

[B]

I don't know. Keep going.

[A]

You aren't though. You've given up. You do nothing. You literally are lazy with your work. You are dramatically lazy. You work 40 hours a week. Shut the up. And you spend all your money going to your own cheer stuff. This is bad.

[B]

That is less than 5%. I guess it's close to 5% of my total debt is cheer.

[A]

Cheer. I don't care about debt. Because, hey, believe it or not, the more you rack up your debt, the less percentage your cheer will be.

[B]

Yeah.

[A]

So shut up. That doesn't matter. That's a stupid thing.

[B]

But it does.

[A]

It's 30% of your income.

[B]

Yeah.

[A]

So I don't give a. What percentage is that? You could go blow all your money right now and rack up double the debt. And guess what? Your percentage that went to cheer is now half. That doesn't make it good. That's. That's a ridiculous argument.

[B]

Makes me feel better.

[A]

Last year, put it all on credit cards. Did planning on blowing at least 3,000 hours in the next trip?

[B]

Yes.

[A]

You make a thousand a month?

[B]

Yes. The goal is that is a whole quarter of work.

[A]

I'm sorry, that is bad. Mother. I'm not saying this is an insult. I'm not saying to bring you down. I'm saying it as like a literal, honest. Hopefully a wake up call for you not saying it. Is it a dunk? I need you to realize what your impact and your selfishness of what you are doing right now is not what a good mother does. All right, let's talk about one of the biggest money black holes in America. Your forgotten 401k. Yeah, that retirement account from your old job that you swore. You deal with it later. But here's the scary part. Over $2.1 trillion is sitting in lost or forgotten 401ks. That is 25% of all 401k money just gone because people never rolled them over. And the number of abandoned accounts has doubled in the past 10 years to around 32 million. And it's not just private workers. 3 million forgotten TSP accounts from federal employees are getting dust too. That's where today's sponsor capitalize comes in. They make rolling over your old 401k into an IRA stupid easy. No calling HR, no faxing forms, no we'll mail you a check in the next six to eight weeks. They find your old 401k, help you pick or connect an IRA and handle the whole transfer process from start to finish. And with new rules letting private equity into 401ks, things are only getting messier.

[B]

So.

[A]

So the time is now to clean it up. Roll over your old 401k today. Click the link in the description below or go to highcapitalize.com Caleb, your future self will thank you and so will your net worth. My mother did the opposite. She went out there and you know what? It actually did suck a little bit. Through my early middle school. For a few years she worked her off all day in a low paid medical position under nurses, whatever that is, like nursing assistant or whatever. And then all night, all evening, she locked herself in the basement studying, doing homework and doing online classes for nursing school. Because of that sacrifice under dramatically lower middle class where we had absolutely nothing to by the time I was graduating high school to where we were just solid middle class. Cause she sacrificed and did that for her kids, for her family. Yep, she did that.

[B]

Yep.

[A]

That's what a good mother does. You're selfishly doing what you want to do.

[B]

Good mothers also show up for their kids with that risk of losing their income entirely.

[A]

$20,000 going to a tr, a whole quarter's worth of your income. It's not a math game of one show up equals I can go blow all the money to invest in my child's future. When you get evicted, they're not gonna remember the yippee mom was there.

[B]

We aren't going to get evicted.

[A]

Says everyone who's ever been evicted. Like I don't know. Like I don't know.

[B]

Technically we can't get evicted.

[A]

Why is the technically?

[B]

Because My boyfriend owns the house. Paid off free and clear.

[A]

Okay, so subsidized by him, too.

[B]

So we live separately.

[A]

But listen, that's fine.

[B]

The kids live in the house and.

[A]

That'S as long as the relationship stays steady.

[B]

Based on your past, we're eight years in. We got some off and ons, but we're eight years in the past.

[A]

Off and on. Sometimes off and ons leads to a permanent off.

[B]

We tried that. It didn't work.

[A]

It just screams welfare queen.

[B]

I'd love to get off of it. I really would love to get off of it.

[A]

You have that choice. You can go do that now.

[B]

I think my big problem with it is you can't. What you lose. You can't just make up overnight.

[A]

It's 300. Yes, you can.

[B]

It's 300. My kids have state health insurance.

[A]

Well, yeah, but even still, to a certain point, through the Affordable Care act, the subsidies are so extreme. Yes, I. Dude, I applied for it myself.

[B]

We don't qualify for it.

[A]

What? Why?

[B]

Well, right now we don't qualify for it because I don't make enough.

[A]

No, I'm saying once you get to that point where the state no longer covers the kids, then you get subsidized.

[B]

Right.

[A]

Where you probably wouldn't be paying a single penny until you at least make a decent amount of which, yeah, you should contribute.

[B]

So when I was talking with the lady about it working at. Even at almost $40,000, we wouldn't qualify for it because it wasn't enough to qualify for any of their plans.

[A]

Exactly. We're not getting you to make 40. I'm getting you to 50. 60.

[B]

That would be great.

[A]

Well, yes, but you're not willing to work.

[B]

I'm absolutely willing to work.

[A]

Come on. This is so stupid.

[B]

I just need to be able to work and still be there for my kids. Physically be there for my kids.

[A]

I know you don't think people who work 40 hours a week are there for their kids. I'm not going to hear this anymore. I'm not going to hear this anymore. Anymore.

[B]

I'll say it.

[A]

You're being selfish. You're being selfish and you're living off of us. You're welcome. Because of your selfishness.

[B]

I mean, technically, it's Kansas.

[A]

A lot of the assistance that comes in for food stamps. Medicaid is usually a partnership between states and federal government. Food stamps is a little more states, a little more states. But I'm sure what you're getting through the state covering your kids health care is coming substantially through Federal government is.

[B]

Probably federal for sure.

[A]

Well there you go. You're welcome. The food probably not a little bit. Discover it. What's going on to this? You're purchasing on a card just like your last card that is basically maxed out that you cannot pay off that is accruing interest. Why would you possibly do that?

[B]

It just started accruing interest again. Almost all of that is from trying to get the shop built out. Trying to get it so we can get people in there.

[A]

And I want to also be very clear guys do the math out there for a second. There is nothing wrong with building a business. Even if you fail. That happens. There is nothing wrong with being on food stamps. That happens you know when someone actually deserves it and they don't have the choice to go work. But here's the reality guys. We are paying for her kids health insurance. Good. I don't want a kid to not have health insurance. We are paying for her to eat and get groceries. Good. I want that to happen. But what is she doing with not having to spend money on that stuff?

[B]

Stuff.

[A]

She is then taking it and she is investing in her own business. I. E. How this translate is the government, the taxes you've paid, the gov. The taxes I've paid, the millions I've written in checks kill me now that I could use to actually invest in this business and do a lot of damn things is going so that you can build your own business in a horrible way that is going to collapse and fail. In what way is that considered fair? Fair or equitable even? It's not.

[B]

Didn't say it was.

[A]

It's disgusting.

[B]

Again, I don't want to be on the things. I hate doing it.

[A]

I don't believe that for a single second. Good thing to say while you're on camera. Listen, you can get on the fizz card, debit card that builds credit so it like works like a credit card but you can only spend what's in your checking account. So works like a debit card as well. Oh good. Your payment's fast too. That's wonderful. That's great.

[B]

Pretty sure I made it but okay.

[A]

Your payment's past due. How long does this take to pay off if you make minimum payments only without any purchases.

[B]

Oh, I haven't even done that math.

[A]

Try to do that math. Just what do you think got? Come on.

[B]

It's probably on minimums but the interest and everything is probably 20, 25 years.

[A]

And that's if you do not purchase and you only make minimum by the way it's 32 years. You'll be in retirement age.

[B]

Yep. Which right now I also won't get to do.

[A]

No via your choice which will put your kid's life on hold and they will support you because Social Security will still be around by the time we retire. It will be substantially less. It will be. It will just be dramatically cut and it will only be going 100% outflow via what's coming inflow and inflow will be less.

[B]

I'm sure what you're saying is absolutely accurate. I just don't look at it. Cause I'm not there yet.

[A]

You never will be because you won't look at it.

[B]

It probably.

[A]

Yeah. Fees 41 bucks. There's your late fee. Interest is accruing $89.36 of purchases. I don't know the why. What a joke. I had stopped spending 20% interest two late fees this year so far on this card. Couldn't see the other one cuz you couldn't send a statement. You went in, you got some and what's price Chopper grocery store when you go in and you get $12.14 is that groceries?

[B]

Yes.

[A]

Okay.

[B]

It's usually like you need for dinner.

[A]

I'll actually believe that. Usually it's bull. I'll believe that.

[B]

I really don't do a lot of spending outside of like the shop thing. It's. I really do mostly just get my bills paid as much as I possibly.

[A]

Can and a Menards card.

[B]

Yeah.

[A]

What's going on with this?

[B]

So that's where we get those nails.

[A]

Looks like they cost a they are.

[B]

Seven dollar glue ons from Walmart.

[A]

Hey not bad.

[B]

I pulled my. I pulled through my change jar.

[A]

Huh. I mean I would just go full natural if we literally can't afford to eat but that's.

[B]

Yeah. I had. We had team pictures. I would go full natural day and my nails were color stained so I wanted them to not look hair color stained. So I spent $7. I got some glue eyes.

[A]

Great. More to the cheer.

[B]

I know know. So the Menards card we get our cabinets and a lot of our oh no and a lot of our sheetrocket insulation from Menard.

[A]

So much more just to get it to the place where we can rent other units other than just one.

[B]

Yeah.

[A]

By the way though I forgot on the discovered I Forgot to say $344.57 is the minimum payment. That includes the past due of 165. Okay so crossout that's normally $165.

[B]

Yes.

[A]

But you have to Cash catch up. Okay, now, on the Menards card, The balance is $4124.09. Minimum payment of $171.

[B]

Yes.

[A]

Interest, 200 last month.

[B]

So what are we doing?

[A]

It's almost maxed out. It's just horrible.

[B]

Yeah, I've made a lot of progress. It was maxed. I've made progress on it. There was progress.

[A]

While making negative progress on the last one. You're just pushing and moving. That's all. It's work. That's. Instead of spending the 87 on the previous card from your checking account, you spend it on your previous card, then use it from your checking account to put on this card. Like that's. That's how it works. You're just moving it around. You're not actually making progress.

[B]

Tetris is fun money. Tetris is stressful.

[A]

Hear about a mother that can barely take care of their kids? Bills it is.

[B]

Bills.

[A]

Yes. 300 hours a month to cheer.

[B]

Yes.

[A]

Bills.

[B]

Mental health. Health. Physical activity. Mental health.

[A]

Use where you are.

[B]

Yep.

[A]

And get your free mental health coverage.

[B]

Can't get it.

[A]

Yes, you can. I know there's local organizations in a major city like Kansas City. You have not looked. I know for a fact I have. No, you have not. No, you.

[B]

There might be places that I haven't been able to find.

[A]

There are. There's just no way. There's no way. From any research we've ever done in any metro. When people bring this up, we have always found it. And Kansas City is not a small metro.

[B]

No, it's absolutely not.

[A]

Like, I don't want to hear it.

[B]

If I can find one, I'd love to. But I also like the. Physical activity is a big.

[A]

Yes. Go run.

[B]

God, no. I have bad knees.

[A]

Go do anything. Go to the gym. I don't care. You have no excuse. Gym. 30 bucks versus 300. I don't want to hear it. This is such. Two late fees this year so far on this card. No one's surprised priced. No hundreds in interest. Now that it's all interest occurring, we're talking a 30 interest rate.

[B]

It doesn't actually have a set interest rate on that card.

[A]

Goes up and down.

[B]

So as interest moves, not necessarily so. Like, they have promos where if your purchase is over a certain dollar amount, you can get zero percent interest for six months or.

[A]

Yeah. But a lot of that is out of it, so it doesn't matter.

[B]

But then there's others.

[A]

This capital one brings it up past Doofy. Shocker.

[B]

Trying when it Loads. You'll get it.

[A]

Okay. Smaller.

[B]

Yes.

[A]

What's the minimum? Probably 25 bucks.

[B]

I'm not sure.

[A]

Auto pays off. That scares me.

[B]

Yes.

[A]

I'm going to put 30 for minimum. It's usually what it is.

[B]

Yep.

[A]

So saver card $339.33. Okay. So what's adventure academy? That is what's reading IQ.

[B]

Those are both things for the kids.

[A]

Go to the library. There's public libraries. You're in a major metropolitan area. What's the date on those Reoccurring ended end of the month prior. Oh, pending. Einstein Bros. That was breakfast this morning. Park cost of living.

[B]

That's where I stayed last night.

[A]

So you went down there and purchased something. No, 21 is. Wasn't 21 to stay there.

[B]

No, it was like 96 something. And then the 21 was the. The insurance in case I couldn't come on the trip.

[A]

Adventure Academy.

[B]

Yep. That one ran out of you do.

[A]

Listen so far are you spending an outrageous amount of money technically compared to many other people? No. But you're not compared to many other people. You barely make any money and you're turning care of kids. You're spending more money on a couple things than you should even come close to. It's disgusting. Yeah, you shouldn't because it's all ratio. If you made a million bucks a year, you could spend tens of thousands of dollars on BULL and it would still be less impactful than you.

[B]

Oh yeah.

[A]

If you go spend hundreds of dollars on bull, it's destructive for sure. So it doesn't matter the dollar amount necessarily compared to other guests. It matters percentages in your.

[B]

You're.

[A]

And it's selfish the things you're getting.

[B]

Yep.

[A]

City Diamond Preferred.

[B]

Yes.

[A]

What's going on?

[B]

It's a credit card.

[A]

Maxed out.

[B]

It's a credit card. It's got a 3, 500 credit limit. That was what I used when we went to 3322.96.

[A]

It went up because you purchased more than the minimum. Minimum being 4112 years to pay off off probably. I hear that you told Lindsay that you're different than other guests on this show.

[B]

A little bit.

[A]

Because how we've had single mothers, many of whom actually work and provide because you are different. Other mothers are better.

[B]

It's different because not all of this, most of my debt isn't like random. Like we're not going on trips and it's still frivolous.

[A]

It's your desire to build a failed business blowing out.

[B]

It's a Goal to.

[A]

But it's a failed goal. All math fails. So yes, you're different. You made one of the dumbest decisions I've ever seen in the history of this world.

[B]

Probably. But now we're here.

[A]

Yeah, but you can stop. You haven't spent all the way up to the 70.

[B]

We've got to get it at least.

[A]

Oh no, no, no, no. It is not sunk cost.

[B]

We've got to get.

[A]

Why? Why do you have to do this?

[B]

We have to get at least the walls closed and a seal together.

[A]

It's going to end in. He might not even accept a renewal. And then you'll still be underwater by like 10,000. 10,000 that you can't afford. That's 10 months of your income.

[B]

Yep.

[A]

And you're right. You know what? You travel. You know, you travel for your things. But when?

[B]

Only once.

[A]

Yes, only once. And you have another one coming up. But here's the thing. Here's the thing. Other single mothers travel once a year. A year. But they use it as making memories with their kids. You just do it for your own selfish cheerleading thing that you want to do for endorphins.

[B]

Because you're right.

[A]

You're not like other guests. You're worse.

[B]

Everything else is for my kids.

[A]

No, you're building your business for you. I don't want to hear that. That's disgusting joke.

[B]

Because I want it to be a long term something you're already under with.

[A]

At the best case scenario by the end of your lease. That you cannot keep saying that by the end is not working. And that's the best case scenario by.

[B]

The end of this lease? Yes.

[A]

And he might not want to renew. You never know. He might sell it to someone else that does not want your type of business.

[B]

We've got a guaranteed two extensions after our three years is left.

[A]

Two extensions at what price guarantee. Because oftentimes those come with price increases.

[B]

$200 on the first one and $400 on the next one. So it'll go from 14 to 16 and then.

[A]

Okay, so you might by the end of a decade break even. What a legacy. We'll see if you ever bought your kids Christmas gifts.

[B]

I have not ever been able to.

[A]

So you spend $300 a month on yourself, but you will not get your kids Christmas gifts and give them a nice Christmas. You're selfish.

[B]

Everybody else in our family gives Christmas gifts.

[A]

Yeah, but you could too if you cut back this 300. Do I have two? That is thousands a year. You could give them in Christmas.

[B]

I have 10 kids on trips they have chosen. And this is in the past. It's all paid off.

[A]

Chosen 9 and 11 year olds.

[B]

I have given them the choice. You guys get presents from everyone else.

[A]

Wait, but you bought your boyfriend an expensive pellet grill for Christmas one time. Oh my. Ladies and gentlemen, it is. What is this world? What am I talking to right now? Your priorities are whack sometimes. Yes, your priorities are whack.

[B]

But they gave them the choice. I gave the kids the choice. I can get you more presents or we can go visit your friend in Florida. And it was $800 for all three of us to fly around trip.

[A]

And you could have got them at Christmas as well if you were not spending $300 a month on you 3,000 hours going on your little special trip.

[B]

And they chose to go to Florida.

[A]

No. You could do Florida and Christmas if you weren't doing your selfish things. You know what a good mother does? She doesn't spend on herself. She only spends on her kids.

[B]

And decides that her kids have enough from everybody that they can have an experience instead of a present.

[A]

I feel so bad for them. They're gonna grow up thinking their mother doesn't buy them gifts.

[B]

I don't think that's a fair assessment either. Because you don't know how much I've put into things for my kids. Mathematically I kind of do from what you have there.

[A]

Yes. Which kind of defines your entire where.

[B]

We are for where right now. Yes.

[A]

Yes. That's everything. I don't give a about then. I care about now. This is what everything has led up to.

[B]

Find anything?

[A]

I have 2018 Kia Sorento.

[B]

I do.

[A]

Wow. Yippee. $13,288 and 3 cents.

[B]

Yes.

[A]

Very good. What's it worth?

[B]

It was worth more and then we got in the car wreck last year.

[A]

What's it worth?

[B]

And so I think now it's worth around nine. Nine for trading.

[A]

Probably. Private sale. Closer to about 11. Yep.

[B]

Yeah. So.

[A]

So you're underwater. Not dramatically, but you know it's not the worst. Your minimum payment seems be to. To be 337.

[B]

Yes.

[A]

What's the interest?

[B]

Well, it's 336 in the change.

[A]

336.18 rent.

[B]

Interest is 49.

[A]

That's not the worst. Listen, this isn't the worst car. I mean of course it's not a budget for you, but that's cuz you make no money via your own choice. So everything's out of budget to you. For most people. I Mean, this is a great budget car and your negative equity position isn't the worst.

[B]

Nope.

[A]

And clearly the car wreck wasn't so bad that it didn't total it, so.

[B]

No, it didn't. But it ripped the whole back end off and killed a bunch of those sensors.

[A]

Yeah, but you were able to repair it and still be only underwater by 2000. So this car wreck I'm all of a sudden feeling even less sympathy about. No offense. Offense. I don't care. I don't know.

[B]

I don't know. It takes a lot to offend me, Caleb.

[A]

I don't care. I mean, I have your consent, so I'm just. I. I don't know. This is. Everything's out of your budget cuz you just choose to make no money. It's as easy. Is that the end of your debt?

[B]

Yeah.

[A]

Is the rest checking?

[B]

Yeah.

[A]

Okay. 429 in this checking account. Netflix. You use YouTube. Including YouTube kids. It's free. Yes, there's ads. I know, but there's ads on Netflix plans as well. Unless you ad free and you can't afford that, you simply. If we are funding your food, you can't afford this. When there are very good platforms that are free. There are more viewerships on TV, TV alone from YouTube than Netflix. And that's TV. That's not even mobile devices. Okay. Not even computers. TV alone. More people watch YouTube on TV than Netflix. The only platform that wins on TV is Disney plus and you can't afford that either. So obviously YouTube is good. Use YouTube, cancel Netflix. Unless Netflix gives us a multi million dollar deal. Just kidding. Just kidding. Just kidding. Oh, I joke.

[B]

Spotify boyfriend actually pays me. Gives me cash to cover the Netflix because he also uses it.

[A]

Sugar daddy. And the Spotify.

[B]

My dad pays me the $16 a month for the SP Spotify because he uses it a lot for work.

[A]

What about the pretzely truck?

[B]

The pretzel truck is my vice. She's not around very often.

[A]

You. I don't give a.

[B]

So when she.

[A]

Your vice should be taking care of your kids and you don't. Shut up. Shut up. Hey, what'd you go into the gas station and get for $4?

[B]

Probably a slice of pizza after tax.

[A]

The gas station?

[B]

Which gas station?

[A]

Qt.

[B]

Bottle of water and a snack.

[A]

Then why buy in bulk? Pack with you.

[B]

We do buy in bulk as well.

[A]

Well then pack with you. What are you doing?

[B]

This is usually when I'm nowhere near home, which doesn't happen often.

[A]

That's so stupid. It should just always Be in your car. I always have it in my car. This is what people here have been doing at the office is they've gotten the game, they've gotten the gamer sub pack. Listen, you can't have caffeine. Well, instead of stopping at the gas station getting their $4 energy drinks, this. These are the free samples that you can get. Link below. These are all the energy versions. There's energy free versions. Those are the one I have the hydration drinks. It's so much cheaper. It's like making your own coffee at home. It is 25 cents a serving, 10% off. Link in the description below or get your free samples when you type in code Caleb. But you just. So no more stopping in 25 cents a serving. I know you're not getting energy drinks, but it's like the same thing because then you did the same with Dollar General. Then you're ordering things on Amazon, Amazon, Burlington Stores, Amazon Academy Sports, Dick's Sporting Goods. What the are we doing?

[B]

Academy and Dick's Sporting Goods were to get what I needed for my jobs at one of the stadiums. They had uniform requirements that I didn't own the things for already. So I had to go get them.

[A]

Oh my gosh. And the. You went in and got some bull again. Amazon. I'm gonna need to say to that. Amazon, Gardner Parks and Recreation went and got some. Went and got some. Went and got some.

[B]

Parks and Rec is my.

[A]

Pull up your Amazon.

[B]

Parks and Rec is my son's soccer screen recording.

[A]

Well, that's okay. At least you're actually giving him $3 when you take 300 for your parks and Rec.

[B]

Oh, that was his fishing tournament. Please load. You say start a screen recording for me to start. I don't know how to do that. I am not a techy person.

[A]

We'll have the top down.

[B]

This is what it's giving me.

[A]

It's loading, it's loading. Give it a second.

[B]

Like this is all it's giving me. Yeah.

[A]

No one else has a problem.

[B]

Probably join Prime.

[A]

You're not logged in. I don't think I don't have Prime. But you're ordering on Amazon.

[B]

I do when I have to get things for work. So again, my most recent stuff from Amazon is shoes. Shoes for one of my stadium jobs. Uniform pants for one of my. From that same stadium job.

[A]

Checking is 482 too. Going out to eat. McDonald's. You went in and got some. You're do you are doing that a lot?

[B]

A little.

[A]

A lot.

[B]

It has. Come on.

[A]

You literally are Being subsidized by us and you're going and doing that off.

[B]

It has been worse the past couple months.

[A]

Great. When we're doing worse. That's wonderful. This has $7 and it's, it's like nothing thing. Savings. 18 and you're literally losing $2 on it. You're not even accruing interest two hours a month for the service fee. I just don't get it.

[B]

Yeah. Okay.

[A]

So total income, everything together. And this is seasonal. It's gonna end, you know when football ends I guess or whatever. Sports happening end of November. Great. So end of next month, whatever. $2,141.33 Sense minimum monthly payments is literally your entire income of 965.75 via your spending and stupid business decisions that were your choice and make absolutely no sense.

[B]

Yes.

[A]

Your rent, it's free.

[B]

625 on paper.

[A]

Do you ever give it?

[B]

It's flexible.

[A]

Do you ever give.

[B]

It gets given eventually. Like if I can't make it accruing. If I can't make it all at once it gets paid.

[A]

How much debt do you have? Have to it.

[B]

I think it's caught up right now.

[A]

How much is it?

[B]

625.

[A]

Do you do utilities?

[B]

Yes.

[A]

How much a month total? Including the Internet?

[B]

About 200.

[A]

Car insurance?

[B]

1 160.

[A]

Phone bill?

[B]

259. How, how what what what?

[A]

How is it so expensive?

[B]

Because my Internet is built into my phone bill. It's $5. I've got my phone. I have a, a house phone for my kids. Cuz it's only $25.

[A]

Dude. Once these phones are paid off. If, if, if t mobile's good in your area, switch to helium. Those are the towers that helium uses. There's literally a free plan if you don't use much data. But you can also just use a, a cheap $15 plan and use data as well. I mean this is like crazy. It's like, come on.

[B]

It is a lot.

[A]

Pay off these phones. Figure it out. You can't afford that. That's not even close to something you can afford. Well, food. Well we'll take $300 away from what you need to put to it. But you still need to put in about.

[B]

I think outside of food, we spend about 2 to 250 on groceries. Outside of the food stamps, I'm going.

[A]

To say about 300. Cuz no more going out or getting some.

[B]

No TP.

[A]

Find anything else you and your kids need? Should be about 200. Toothpaste, whatever. Sports activities, all that good stuff. 200. Medical, health or any co pays? I don't think so. Okay. Savings? No. No gym?

[B]

Nope.

[A]

Okay, well what I am doing is putting in gym for $50 and you're getting rid of your $300. That's the reality. It's not an option. Subscriptions looks like they're paid for. Don't have to worry about it. You don't have any pets. Please.

[B]

I have three dogs.

[A]

No, no. Oh that's disgusting. That is disgusting. You can't take care of them. What? How old. What are the. What are the ages? What are the health?

[B]

12. 9. Just turned 3. Okay.

[A]

For the 3 year old, what's the health?

[B]

Perfect.

[A]

We're going to get them pet insurance. It's going to be good pet insurance cuz you can't afford to take care of them. If you get six fifty bucks. What the. How much pet food on a monthly basis?

[B]

We ended up getting food every like six weeks. That's I think $50 a bag.

[A]

Okay, I'll call it like 40 then. Anything else that needs to be in your budget that I have not taken into account?

[B]

I don't think so tracker.

[A]

We don't make enough money. I mean this is, this is, this is just. This is just a.

[B]

It's not even surprising.

[A]

Your boyfriend on the post show.

[B]

Yeah.

[A]

I'm going to call your boyfriend and I need to just confirm and just. He needs to push her to the right thing. This is the reality. This is reality. Because here's the thing. I mean 2849 is what you need to survive in 75 cents. It's like what doing so you're underwater dramatically. We've known the answer. I think the audience has known the answer since about 30 minutes in. I don't give a. About what you want. I know, I'm sorry. You're a single mother. Sometimes single mothers see their kids a little less because they go work in order to take care of their kids. You're you. If you weren't dating this guy you wouldn't have a place to live. It's just not a thing you're then you're in their future and everything's. You need to go get a real job yesterday. And we can help you. We can get you connected with the resume services we can help you get. But I don't give a. What you want. You're gonna go to great clubs, you're gonna go to wherever ever. No. Yes.

[B]

You.

[A]

There's the face. Never mind, I'm done. See, she's not even willing to sacrifice and go shut the. What a piece of great clip. No, you're disgusting.

[B]

It's the great.

[A]

You're disgusting. You're disgusting. I wanted to give you. I wanted to give you all these suggestions, but. Off. Listen, you're not even willing to go do that. Just off. Honestly, off. Good luck to your kids. They don't deserve this. You're disgusting. Spending in a budget. Overspent. 0 out of 10 debt. You don't have collections but for your income, it's absolutely horrendous. Horrendous, obviously. Why not? Of 10 emergency fund. Nothing. 0 out of 10. Retirement.

[B]

Nothing.

[A]

0 out of 10. Real estate. Nothing. 0 out of 10 Hammer financial score as rounded up in the score that she. Well, close to what she said on the test. But 05 out of 10 get your score Caleb. Hammer.com now come join us in the posture. I'm going to call her boyfriend. Confront this. Click that join button. Join Hammer Elite 3 premium shows posted every single day, Monday through Friday, including extra 20 minute of this episode and every other episode called the First Financial Auto Post show. See you there. How are his finances?

[B]

Bro's cooked.

[A]

How is he?

[B]

I can't.

[A]

You can't?

[B]

I can't.

[A]

I know he's in IRS debt.

[B]

Beyond that, I don't know the total dollar.

[A]

I don't know how much IRS that he has. And you're going into business with a guy with IRS debt? He doesn't even pay his own damn taxes. You're getting funded by the taxpayer and then you go into business with him. We fund that and we allow him to not pay his taxes so that we pay more in taxes. I love this system. Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.