She Came Here To Cancel Me | Financial Audit

Summary

Podcast Summary: Financial Audit – "She Came Here To Cancel Me"

Podcast: Financial Audit
Host: Caleb Hammer
Guest: Naomi, 26, Tampa, FL
Date: July 30, 2025

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Episode Overview

In this episode, Caleb Hammer sits down with Naomi, a 26-year-old entrepreneur from Tampa, Florida, whose personal finances are in disarray. The discussion revolves around Naomi’s struggle to turn her creative pursuits (hairdressing, crafts, and art projects) into a viable business, her decision to move back in with her father, her troubled work history, massive credit card and student loan debts, and recurring patterns of avoidance and enablement. Caleb delivers his signature blunt feedback, challenging Naomi’s justifications and prompting deeper reflection on her habits, choices, and future plans.

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Key Discussion Points & Insights

Naomi’s Career and Business

• Current Occupation: Naomi identifies as an entrepreneur, primarily doing hair and crafts (such as rug making and T-shirt designs) but admits she only makes about $1,000/month. This is not enough to support herself, compelling her to move back in with her father.
  • Caleb’s Reaction: “I like the entrepreneurial mindset, but if you’re moving in with dad just to live, the market is telling the business: bye-bye.” [02:14]
• Attempt to Build a Salon at Home: Naomi is considering starting a home salon in her father’s house but admits she has not checked regulations ("Have to look into it"). Caleb stresses that's likely illegal.
  • “No, no, no, no, no. Is that city-approved, permit-approved, is that a legal operation?” – Caleb [03:25]
• Creative Pursuits: Naomi also discusses her involvement in a band, tries to design unique T-shirts, offers tarot readings, and even proposes “therapy” sessions as part of hair services.
  • “You are not a therapist...people are going to take advice from you, yeah, that's not good.” – Caleb [10:25]

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Patterns of Avoidance, Enablement, and Excuses

• Recurring Response: Naomi often states she needs to “figure it out,” a phrase Caleb sharply criticizes as non-committal and indicative of avoidance.
  • "You work on working, but you never accomplish anything…Endlessly thinking about things and write everything down and all this stuff, but execute nothing." – Caleb [13:07]
• Enablement: Both Naomi’s father and boyfriend are supporting her financially (rent-free living, cash handouts, groceries), which Caleb argues removes the incentive for her to face reality and take action.
  • "You're never going to make it anywhere until [your dad] cuts you off and makes you actually go get your own figured out." – Caleb [72:04]
• Naomi’s Self-Assessment: She admits to overthinking, avoiding action, and falling into self-help and manifesting instead of structured planning.

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Naomi’s Work History & Justifications

• Chronic Job Issues: Naomi left several jobs (Trader Joe’s, marijuana farm, salon, bank, server), each time citing moral or management issues—from workplace harassment and misconduct to bad management and policy disagreements.
  • “Someone like you finds issues everywhere.” – Caleb [25:24]
• Caleb’s Skepticism: Caleb points out the pattern of blame and victimhood, questioning the consistency of Naomi's complaints.
  • “You haven't had one job without you finding something...But that's the issue. That's why I'm like, okay, I feel like I just need to be my own [boss]." – Naomi [35:21]
  • Caleb: “You will report yourself for being a creep or something, that's what’s gonna happen. You'll harass yourself when you masturbate.” [35:25]

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Financial Situation

• Credit Card Debt: Naomi holds over $20,000 across multiple over-maxed-out credit cards, habitually balance-transferring but then quickly maxing out new lines.
  • “You’ve done four [transfers] and then built them all up again?...What a joke of a life you live.” – Caleb [63:17, 74:44]
• Student Loans: $10,000 from cosmetology school, payments coming due soon. She also used a Pell Grant and admits her education is underutilized.
• Spending: Naomi continues to make non-essential purchases (restaurants, events, water bottles, trips, band practice studio fees) despite being in debt and without steady income.
  • “I did go to Paris last year. And Amsterdam.” [75:25]
  • Caleb: “What is wrong with you? You can't afford [that].”
• Financial Score: At episode's end, Caleb assigns Naomi a Hammer Financial Score of 0/10: “Over the balance on all [credit cards], no emergency fund, you took out your retirement, real estate 0 out of 10...You’re a failure.” [90:41]

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Relationship & Family Dynamics

• Father’s Role: Naomi’s father is a construction worker helping to subsidize her lifestyle and, more recently, her boyfriend's employment as well.
• Family Abroad: Naomi helps send money overseas (Venezuela) for her mother’s living expenses, despite her own lack of income.
• Boyfriend: They have been together since 2017, now both living with her father. They have no plans for marriage or asset unification due to debt concerns.
  • Caleb: “You guys are failures. And I’m going to call it as I see it. Cause I don’t want you to think you’re successful when you’re not. Because then it just allows you to stay in that cycle forever.” [41:11]

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Notable Quotes & Memorable Moments

• Opening Tone-Setter:
  Caleb: “You are a failure.” [00:00]

• On Excuses and Avoidance:
  Caleb: “You always work on trying to work but you never accomplish anything.” [13:25]

• On Illegal Home Businesses:
  Caleb: "Is that city-approved, permit-approved, is that a legal operation?" [03:25]

• On Enabling:
  Caleb: “He’s making sure you’re never able to be independent for the rest of your life, which is horrible for your future.” [55:22]

• On Spending While In Debt:
  Caleb: “You cannot fund this. Your dad can. You cannot. You don’t make money.” [80:50]

• Self Awareness?
  Naomi: “Zero.” [43:14]
  Caleb: “First realistic thing she said all day.” [43:16]

• On Being “Artsy-Fartsy”:
  Caleb: “Everyone like you that is in this self-help world, that is in this artsy-fartsy, all that stuff, you just work to work, but you don’t have an actual end result and it doesn’t work.” [39:37]

• Hammer Financial Score:

  • “0 out of 10. Join us in the post show.” [90:41]

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Key Timestamps

• 01:01 – Naomi introduces herself.
• 02:01 – Naomi reveals she moved in with her dad due to finances.
• 10:25 – Caleb admonishes Naomi's claim of offering “therapy” in her services.
• 13:07 – Caleb calls out Naomi’s lack of execution.
• 25:24 – Naomi recounts reasons for quitting multiple jobs.
• 32:04 – Spending breakdown, $1,100 monthly car payment, excessive subscriptions.
• 41:11 – Caleb explicitly calls the couple “failures” to break denial.
• 55:17 – Caleb summarizes advice: quit failed business, get a job, use a budget, pay off debt.
• 63:17 – Naomi’s failed attempts at balance transfers add to her debt cycle.
• 74:44 – Another over-maxed credit card, continued purchases.
• 90:41 – Hammer Financial Score: 0/10. Major financial wake-up call.

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Overall Tone & Takeaways

• The episode was a mix of tough love and comedic jabs, with Caleb emphasizing accountability and the dangers of endless avoidance and enablement.
• Naomi demonstrates considerable self-reflection but defaults to deflection (“I’ll figure it out,” “I need to look into it”) and lacks concrete plans or discipline.
• Caleb’s core advice:
  Stop enabling, quit the “fake entrepreneur” mindset, get a regular job, budget aggressively, pay off debts, and only revisit creative endeavors as hobbies until solid financial ground is established.
• The conversation ends with a call for Naomi’s father (“Daddy needs to cut you off”) and boyfriend to join the post-show for a deeper intervention.

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This episode is a must-listen for anyone struggling with entrepreneurial dreams, avoidance, and financial enablement — with plenty of Caleb’s signature tough love to drive lessons home.

Transcript

[A]

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

[B]

Dang. That's crazy.

[A]

What?

[B]

You're fake.

[A]

Instead of just saying, oh, you're right, it's, oh, I'll look into it. Like, shut up.

[B]

Oh, my God. Why do you want to hear that? You're right so bad.

[A]

She's.

[B]

You can't say that. You're gonna get canceled for that one.

[A]

Yeah, why don't you take control of the conversation? Oh, what?

[B]

Okay, listen.

[A]

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. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of [e-mail] after that, I'll send you a $10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join. That's a promise.

[B]

Hi, my name is Naomi. I'm 26 and I live in Tampa, Florida. And you're watching Financial Audit.

[A]

Thanks for coming over from Florida. What do you do for a living there?

[B]

I'm an entrepreneur. So I do hair.

[A]

You know when I say what. When someone asks me what I do for a living, I don't say I'm an entrepreneur. I say I make YouTube videos. I own a business that makes, you know, YouTube videos and educational services. Yeah, no one answers I'm an entrepreneur unless they're unemployed.

[B]

Well, I mean.

[A]

So you do hair?

[B]

Yeah, I do hair. I do a lot of other arts and crafts and stuff like that. And I make money off of it. Like I make rugs.

[A]

You make rugs?

[B]

Yeah, I do. Yeah. I have like a tufting frame as well as like the tufting gun and everything. So usually.

[A]

So you're the one at the little pop up markets that sell those things that look like they're made out of a spare bedroom on.

[B]

Not pop up markets, but I just kind of. Word of mouth, actually.

[A]

Really?

[B]

Yeah. Yeah.

[A]

Okay. Okay.

[B]

Yeah.

[A]

Well, that's pretty cool. Congratulations. It's exciting. And you're able to fully sustain yourself off of this.

[B]

No, that's why I moved back in with my dad.

[A]

Okay. At 26. Yeah. I mean, I like the entrepreneurial mindset. Is this a sustainable business? Is this something long term? Listen, I was. I was going to be more on board if we were maintaining our lifestyle and maybe, you know, making some good financial choices around this business, but if we're Moving in with dead D just to live. I would suggest the business. The market is telling the business. Bye, bye, bye, bye. Business.

[B]

Wow.

[A]

So tell me what you make from.

[B]

This thing in total with everything, I would say about a thousand.

[A]

Oh, good. What are you. I don't want to take a sh. T all over you, but what the are you doing?

[B]

That's why I'm moving back in with my dad.

[A]

So someone can take a all over you?

[B]

No, I mean to fix everything, because my dad is trying to help me out.

[A]

Oh. Something tells me I'm gonna have to talk to him at some point. Okay, well, I would suggest the fix to you figuring everything out is maybe $1,000 a month isn't enough to live on, and you need a real job.

[B]

Working on it.

[A]

You're working on getting a real job?

[B]

Yes, my job right now.

[A]

Huh?

[B]

My job is working on getting a real job right now. Or not real job, but, like, making my own business. I'm making salon in my dad's house.

[A]

No, no, no, no, no, no, no, no. Is that like city approved? Permit approved. Is that a legal operation?

[B]

Well, that's what I have to look into. Oh, my. So I'm saying try and start from zero.

[A]

Okay.

[B]

Okay. Listen, I. Don't worry. I brought my life right here. This is for you to fix. I have it written out. I have some things I want you to look into.

[A]

Yeah, why don't you take control of the conversation?

[B]

All right, let's see. Okay, so I have home and arrow is pointing to. Oh, yeah. It's a prototype for a shirt I'm working on.

[A]

You're working on a shirt that says home on and arrow that points towards.

[B]

Armpit for my band.

[A]

She has a band?

[B]

Yes. I have a life.

[A]

You have a life. Well, hopefully outside of that as well.

[B]

Okay.

[A]

No, but obviously if you're trying to figure it out. I have figured it out. Your business is not a business. And this is a hobby. And that's exciting. And maybe you should go to cosmetology. Did you go to cosmetology school?

[B]

Yeah, I, I, I'm a licensed cosmetologist.

[A]

Good. Work for a salon. Work for a real.

[B]

I have.

[A]

There you go. Already better.

[B]

But I know I don't like the atmosphere of it.

[A]

Work in a different location.

[B]

I want to have my own. I want to be my own boss.

[A]

I'm sure you do. You can't afford it. You're not doing well. You got to build up a list of clientele I have at a place a much larger than $1,000 a month.

[B]

Well, I'm working.

[A]

No, you're not, cuz you're no longer at a salon. You're trying to build something out of your dad's place illegally, by the way.

[B]

Well, I have to figure it out.

[A]

Yeah, I have to figure it out. That's interesting. I just told you, I have figured it out. You do not make enough. The business is not a business, it is a hobby. It is illegal to run this out of your dad's house. Most likely if you're actually building a salon there to host clientele out of.

[B]

Well, I just moved and.

[A]

With your dad?

[B]

Yeah. From Orlando to Tampa and.

[A]

Oh, great. So that's our close to our clientele's.

[B]

No, it's not. Because my started in Tampa because I'm from Tampa and so I have people there waiting for me and then I moved to Orlando. So now. And people in Orlando said that they were willing to come. No, no. I also. I'm gonna get a portable.

[A]

Thousand dollars a month. They're not willing to drive.

[B]

Well, also, yes, they are.

[A]

A thousand dollars a month. You have like three clients. I highly doubt if you're only making a thousand.

[B]

I don't.

[A]

You are not valued enough for them to drive three.

[B]

I don'. Lot. That's the thing. That's the issue I have. Yeah, no, that's the thing.

[A]

Yeah. Why survive? Why live? Why have a thriving business?

[B]

I. I'm here.

[A]

Whatever this is.

[B]

I don't know, this is me thinking of it and then I got overwhelmed because I'm like. I keep everything. That was just my thought process. Quiet. Oh my God.

[A]

Price sheet. Haircuts, clipper cut, 30 shortcut, 35 medium chin to mid back, 45 long chin. Okay, so this is your pray hair wash and drink. Okay.

[B]

Yeah, that was me kind of thinking out loud. I'm. I just need help with making a price sheet.

[A]

Every place offers a drink with the haircut these days. Yeah, Very unique.

[B]

I know.

[A]

What are you offering? Tarot reading?

[B]

Yes, I can offer you one.

[A]

No, shut the up. Did you even. Did you bring exploding cakes?

[B]

I have. I literally. Okay, this one, I want to say for the end because I know you're going to get some valuable advice off of this one.

[A]

Okay, okay, stop. Stop talking. Coffee, tea, wine, beer. Therapy. She's offering therapy.

[B]

It's hair. So basically, when you're a stylist, you are a therapist. Basically, because everybody comes to you talking about their problem.

[A]

Scalp massage. Hold on.

[B]

Yeah, in cosmetology school they call it sex in the sinky.

[A]

Well, don't I like scalp massages?

[B]

I will say fly to Tampa.

[A]

Services. Hair dye, hairstyle, hair cut, makeup.

[B]

Do you have a question for my cards?

[A]

No, we're not doing that. Things people say they can fall asleep.

[B]

What does Caleb need to hear? Right?

[A]

Say they can fall asleep because of my touch. Get more from me than therapy sessions. You make a thousand hours a month. Obviously, no one's coming to you for therapy. Changes their lives. From my haircuts and coloring, I give them exactly what they ask for. Careful.

[B]

In this industry, haircuts, like, you know, they want a certain haircut, they want a certain style. I provide exactly that. I don't do whatever, you know, I don't come up. Basically.

[A]

Okay. Hey, Naomi. Why are you here?

[B]

So I purposely hit rock bottom because of a YouTuber.

[A]

Certainly wasn't me. Okay, who?

[B]

Well, that's why I'm here now, to fix that.

[A]

Who? Who?

[B]

I don't remember her name. It was a long time ago when this happened, when my desk started.

[A]

What are you talking about? That.

[B]

I don't know, some random millionaire online. She said sometimes you have to. Sometimes you have to hit rock bottom and get everything that you want, all that stuff, so that you could see that you don't need these things once you, like, have them, and then work your way up so you can get, like, the craving out.

[A]

Hold on. Some people have to hit rock bottom. Yeah, to, like, actually learn their lessons and build up. You lost me at the. But buy everything you want.

[B]

That's what she said.

[A]

Purposely hit rock bottom. No, no, no. Some people have to hit rock bottom. Those in horrible positions. Who the is encouraging people to go hit rock bottom? That's not something we want to see be done.

[B]

Well, she said sometimes you have to.

[A]

Yes, and that is different. But you said you intentionally hit rock bottom.

[B]

I did intentionally do it because I saw that I wasn't gonna stop.

[A]

I was hitting rock bottom. You're at rock bottom.

[B]

Moving back in with my dad.

[A]

You're a dumb. Trying to do all this stuff and trying to.

[B]

Well, my card says to stop being so disappointed. I don't give a Five of cups reversed.

[A]

Nope, nope.

[B]

You're putting your bad energy in my cards. I have.

[A]

Oh, no, we're not doing that. I do not want your performance.

[B]

No. Disappointed.

[A]

Your father should be disappointed in you instead of enabling you. I don't know why. Why he's allowing you to move in and continue this instead of pushing you to do something. You did cosmetology school. Did you go to school? At all. Any other thing?

[B]

No, No, I haven't.

[A]

Why the. Do you think you're qualified to give someone therapy?

[B]

Well, the thing is, it's more so kind of like. That's why I was going with the names. Because it's kind of like, oh, I'm like your sister. Like, we could talk about stuff, like advice and whatever. Like, talk about life, like a therapist.

[A]

But, like, don't tell me you have clients for that.

[B]

Not like that.

[A]

Oh, thank goodness. Thank goodness. Because you would people up.

[B]

How?

[A]

Come on. You're not licensed. Yeah, and you might have a pleasant conversation, but you would probably.

[B]

That's what you're going to hear.

[A]

People are going to take advice from you. Yeah, that's not good.

[B]

Like, about the thing is, you know, we talk about.

[A]

Dude, I see your life in front of me. Your life is. You are not someone. You are not someone to be trusted.

[B]

You don't know me.

[A]

You are moving in with dad with failed businesses. You have nothing. Well, you do terrible. You have nothing. You are a failure.

[B]

Oh, yeah, that stuff is more like my manifestations and stuff. And like, you can't say that you're going to get canceled for that one.

[A]

That's weird. That's what the last guest said. I say it every episode.

[B]

No, you don't. I've watched your episodes. You hadn't said that.

[A]

They're bleed every word.

[B]

Oh, dang. That's crazy.

[A]

What?

[B]

You're fake. You could get canceled for saying that.

[A]

Dude, the. That word is back. You may have missed it.

[B]

Oh, we were bringing it back.

[A]

Dude, that word is back. And also, I don't have a weird audience filled with pearl clutches who get offended by weird things.

[B]

Oh, my gosh. Yeah, no, all that stuff is not, like, business.

[A]

Ovulation phase.

[B]

I need to know. I'm a woman about my phases. You should learn, too, when you get a girl.

[A]

I have a girl.

[B]

Do you know about her ovulation phases? It would be helpful. What phase is she in now?

[A]

Period.

[B]

That is not one of the phases.

[A]

She has her period. She has her period. She's in her week of skipping birth control to, you know, make it work.

[B]

But you don't know how to treat her. Well, like, on her phases. Women go through different phases and cycles. You need to know how to, like, handle her with care. Yeah, but, yeah, it's like a bunch of manifestations.

[A]

You don't know our relationship. You don't know what we do. Okay, what is this stuff?

[B]

Oh, you don't know my life either. This is just a Lot of.

[A]

A lot of blank pages. I see. Your life is actually quite empty.

[B]

Yeah. And I'm help.

[A]

This life was a lot. A lot of you thought her life was going to be a lot, but it's basically nothing.

[B]

I'm trying to get. I'm trying to make one. I'm trying to make a better one.

[A]

She's writing meow on paper. I don't know what she's doing. You're one of the people that endlessly. I used to have an employee like you who endlessly thinks about things and overthinks things and consumes a bunch of and endless self help and writes everything down and all this stuff, but execute nothing. Works on working, but never actually does anything.

[B]

Yeah, and that's why I'm here. I want you to help me put some action into stuff.

[A]

Great. Okay, solution number one. This doesn't matter. This doesn't matter. What is this? Wrote this down. This is the thing I already looked at. Okay. None of this matters. Terrible. Stop. Rebel Deck.

[B]

I don't give a. I am Fresca.

[A]

I don't care about this. Is this you making notes? No. This is a book of stupid I don't care lip balm. You can keep it. The rest is nothing. This is just so I just the. Listen, you are the person I see. You guys get stuck endlessly. You work on working, but you never actually push to achieve something. You always work on trying to work, but you never accomplish anything. And it is not working. And look, I mean, you're bringing in $1,000 a month. You had to move back in with dad to get 26. And I'm not saying it's bad to live with parents or anything like that. You know, a lot of other cultures do. But the fact is you obviously did because your business is failing and you don't have enough money to sustain yourself, your life. Which means you are fail failing. Your business has failed. You need a career and you can do this as a hobby. And if you build a client list big enough to actually sustain, then you could try it. You're not a therapist.

[B]

I know I'm not a therapist, but I'm not any of this stuff.

[A]

You're a hair person. It's not even a real scalp massage. From the.

[B]

From what I've heard, you need to try my scalp massage.

[A]

You said you need the water bin thing.

[B]

Okay, well, a scalp massage itself is like you have wash hair in the sink and whatever when the conditioner's sitting.

[A]

I just want someone to come over here and scratch my Hair.

[B]

I've done that. I've done that for my friend's husband.

[A]

Brandon, come scratch me.

[B]

Oh, is that what he gets paid for?

[A]

Yes.

[B]

Can I get his job?

[A]

No.

[B]

Damn. Well, I just quit Trader Joe's. I was making more money.

[A]

You just quit a job? When? When did you quit?

[B]

Like two weeks ago.

[A]

What? Two weeks?

[B]

Why?

[A]

Why'd you quit? Who do you think you are to not make money and move in with dad to try to build this bull that's likely illegal out of his house.

[B]

Oh, my God. So the thing is, is because my morals, they went against everything.

[A]

Hold the gun. What?

[B]

Yeah.

[A]

What morals?

[B]

Because they're insane over there. Okay, please tell me so many people, so many managers weren't reporting sexual misconduct. Okay, so we weren't safe there. There's.

[A]

Did you report it to a saf? I tried third party local government.

[B]

I tried to report it to corporate and everything like that. And a bunch of us, because there's over 20 of us and we've said stuff and nothing. All they do is switch managers.

[A]

That you witnessed.

[B]

So there is somebody wanking in the back of the bushes during their lunch break.

[A]

Guys can't have fun anymore.

[B]

As well as there was employee. Yes.

[A]

That employee was not fired.

[B]

And it was found from a manager. Two managers saw a store manager and.

[A]

That employee was not fired.

[B]

No, they moved to the other store and then.

[A]

Yeah, that's bad.

[B]

Yeah. As well as my coworker, she got smacked on the butt with knee pad while she was over on a ladder.

[A]

By who?

[B]

By another employee.

[A]

That employee was not disciplined.

[B]

No, they. They let him go. Like the thing is, they had to build a whole case and then the case still. They still gave him the option to just leave.

[A]

Well, for. Fair enough. It is important to do an investigation into it instead of just taking anyone's word on anything. So it is. It is important that they would ask around, make sure that this has been corroborated by others. And it is very difficult because someone's life is deeply impacted. Someone's life that if that happened to that person, the person who got smacked, their life is impacted. If that didn't happen and there was some weird drama and they reported that, which unfortunately in the era, we are seeing more and more false things. And it is kind of sad to see. And it makes it harder to just trust people who say things. And with that, that's someone's life who could just get fire. So a proper investigation is fair. Yeah, that's not a bad thing to do.

[B]

Yeah. But when over 20 people are reporting it constantly and nothing is being done. I'm very uncomfortable.

[A]

That is as well as.

[B]

They hate mothers, at least at that location.

[A]

What do you mean they hate mothers?

[B]

The store manager.

[A]

Are you a mother?

[B]

I'm not a mother, but I work with mothers.

[A]

Okay.

[B]

I don't want to be, so. But yeah, basically the store manager, in regards to maternity leave, he was saying that, oh, there's actually mothers in like other countries that hold babies on their backs. Working in the farm.

[A]

Yeah. This is weird.

[B]

I'm like, why would you say that?

[A]

You know, devil's advocate might be out of context in the conversation. I say a lot of weird things and when people take that and they just like Caleb said, this is like, hold on. Okay.

[B]

No, there's like a whole thing with that manager that's. Yeah, okay.

[A]

Yeah, it sounds like a bad manager, if we're. If we're being honest. Sounds like a bad manager. But I mean, I heard you tried to unionize everyone.

[B]

Allegedly.

[A]

What? Well, you're saying you did not try to unionize other employees when you told their producers you tried to unionize other employees?

[B]

No, I said allegedly. I didn't say it didn't happen. I'm just saying that I. We've had the discussions. We've had the discussions about it. I was like, literally, if we just all come together and we don't clock in, like night shift, whatever, so they.

[A]

Fire you and get other people who are. Will show up to work because you weren't in like a high skilled, you'd be shocked.

[B]

I feel like it would work because it's worked at other places.

[A]

This is an employer's market. This isn't the 20, 21 employees market anymore. People are looking for jobs more and more.

[B]

I don't know, much better. They're hiring and stuff. That location is just a weird location.

[A]

Yeah. But it's a business. They would much rather get rid of. You guys trying to cause trouble and.

[B]

Bring in other people at the night shift.

[A]

Yeah, well, if you guys were shutting the business down, they'd be shut down regardless, so may as well be shut down and get other people in, I assume is what the business would do. I mean, many places would much rather close their business than.

[B]

I mean, I don't know. I. I was just saying if we need to take a stand at some point and we try to report all these things, like, you know, there's some way to do it peacefully and talk about it.

[A]

Quit your job. And honestly, not for invalid reasons. So it's in the Unionizing. You know, you're probably just caus trouble at the business and annoyance for sure. But like that manager definitely sounds like a piece of work. If I'm believing everything 100 that you say and you know, just for the grace of the conversation, sure I will. I understand that get another job would then be the next logical thing.

[B]

So I have My dad said that he was going to give me two months to just figure out my.

[A]

Oh wait, hold on, pause. And apparently you had a lot of moral issues with basically every other job you had, which makes it a lot harder for me to then believe you and take you seriously.

[B]

Okay, well do you want to go through it and we could talk about.

[A]

It whether or not I believe you will definitely be a thing because you now if it's like every single other job you have moral issues with, it's like, okay, then I got to start taking things with a grain of salt. Then I stop believing things. Because you're someone that goes in and tries to claim a lot of things over, exaggerate things, cause trouble. But we'll see. Go ahead. But let's be real. If your private student loans have you eyeing a third job at the local taco stand, maybe it's time for a better plan. Y refi is your lifesaver in a sea of debt. Unlike the typical loan sharks who treat your credit score like a magical crystal ball, why refi cares if you actually want and can afford to repay? So forget about jumping through hoops and start jumping for Joy at their under 6% interest rates. That's right, 6% less than 6%. Plus, they've got a co signer release program so you can finally give your mom a break from your financial baggage. So consider it your early Mother's Day or Father's Day gift. They also offer a structured repayment plan to lower your monthly bill. And personal reps who actually pick up the phone. It's no wonder why They've got a 4.6 star rating on Google. Apparently, treating partners like humans actually works wonders. So if you're sick of interest rates that are so high, they may as well charge you for oxygen Wirefi Is your shadow the real solution? No more losing sleep and no more ignoring the mountain of student loan statements on your kitchen table. Go to yrefy.com hammer that's yrefi.com hammer or call 888 yrefi-78 that is triple 8Y refi 78 and get out from under the weight of private student loans. Let's make your Debt meltdown. A distant memory, not a daily reality.

[B]

Okay, so before then, I worked at a farm, and.

[A]

Well, that's probably.

[B]

And so the thing is, they weren't a medical dispensary. They were licensed in a different way through a different department. And so everything would have been fine if they were being honest with what they were doing. So the thing is, it's like they were advertising as though they were growing it at their own farm, but they weren't. They were outsourcing it. And the thing is, I don't know where they're outsourcing it from or whatever. I just know that me and all these other people were the face of the.

[A]

Again, this is another thing you could have reported to some government organization of Florida.

[B]

We did. We did report.

[A]

There you go. Okay, next one.

[B]

So. And then before that, it was a medical dispensary.

[A]

Well, come on, you keep working in drugs.

[B]

Well, no, it was just those two. It was those two. But yeah, the medical dispensary, everything was good, actually, until the store manager left. And then all these other managers beneath him were sexist, racist, homophobic, all that stuff.

[A]

According to who? Doing what? Because no offense, usually people like you tend to just get offended.

[B]

I guess so. Well, whatever. Basically, yeah. Well, you're not gonna believe me, all those comments, whatever. So I'll move on.

[A]

It's not that I don't believe you, but when someone has a sing, like every single job forever is always bad that we've had, it's just like. Well, that starts to be like a pattern. Is it the job or is it you? I believe you about thing. It's just like in the dispensary while you're saying, oh, they're racist. Like, okay, what does that even mean? I mean, I see people. I see people getting canceled on Love island right now for being racist. Like, it's. But they're just some dumb, stupid thing that someone slightly said a year ago on an Instagram story. And it's just. Everyone's just a bunch of. Man, I'm kind of done with it.

[B]

Well, whatever. Basically I'll just go to the job before that or whatever, because that was a while ago. I can't even remember the whole situation, how it went down or whatever as of right now. But yeah, before that, I was a server for like a week and a half because I didn't have, like, serving. Like, I never served before or whatever. And so I didn't know how the tipping worked. And so basically the front of house manager, he stepped in because the other server wasn't there, and it was a super, like, busy day, whatever. And then at the end of the day, he tried to take half my tips. And so then I let him have it. Whatever. And then I come home. This was the same job that my boyfriend was working at at the time. And so I told him. I was like, oh, yeah, Like, I. It was a day. Whatever. They took half my tips. It wasn't even worth it. And he's like the front house manager. I don't think he could do that. That sounds like illegal or whatever. I was like, I don't know. He just said that's how it was. He does payroll. And what is the point of this?

[A]

Are you saying you can't get another job because you've just had bad experiences with jobs? What are you saying?

[B]

I mean, every time I've tried, like, I've tried small business, I've tried corporate, all that stuff, it's just always been some sort of, like, issue like that.

[A]

Well, someone like you finds issues everywhere. And some of these, Some of these.

[B]

Well, they all ask for me back every time.

[A]

Well, so some of these sound like if they're 100 true, and if we're taking you 100 honest, which again, for the grace of the conversation, I will. Yeah, some of them are certainly wrong. Some you may be over exaggerating. I'm not exactly sure. But you can't use that as an excuse, first of all, to being in the industry, man. It's like. So you're saying you can never have a job again?

[B]

I'm not saying that, but I'm just.

[A]

Well, you're not working right now and you moved in with your dad.

[B]

Yeah, I know. I could tell you if you're escaping.

[A]

A dangerous situation, that's where I'll have empathy. But you weren't.

[B]

I. Yeah. Well, okay. This is the thing, too. Also, at the hair salon, like you said, you told me to work at one or whatever. I did at the time, like in Orlando for a bit. And I was a personal assistant, but there they were just making me really uncomfortable with, like, like, literally, like, if I'm by myself in the back, then the owner being like, oh, hey, sexy, like, seeing me or whatever, and then like, talking about how he wants to, like, motorboat his guests that the client in his shampoo bowl. Literally, like, stuff like that. Yeah, it was an ongoing thing.

[A]

But does that mean you never get a job again?

[B]

No. I mean, look at all these jobs I've gotten, though. Like, that's the thing.

[A]

I know but you're not working now and back in with that. And you're to build an illegal business.

[B]

Oh, I'm not trying to make it an illegal business. I'm trying to figure out how to even go about it properly and stuff. That's why I'm here. I know I've never done this. That's why I'm literally here trying to, like, learn or whatever, like, to see, like, what you recommend. And this is the thing, because I was going to have the two months to just, like, sort my stuff out, figure it out, and then after that, that's when I'll go find, like, you know, a job on the side, whatever, like a real job and whatever, and then use that to help myself, like, fund everything, like, pay off my stuff.

[A]

Why weren't you paying off yourself when you had a job?

[B]

I did, but this is the thing. All my debt just kept piling up and up.

[A]

Well, that wouldn't be piling up and up if you're paying off your stuff. So that's incorrect.

[B]

That's it. I kept buying stuff. That's the issue then.

[A]

That's not paying off debt.

[B]

I know, but I'm just saying that I had jobs or whatever, and then I was only keeping up with the minimums, and then that's the thing. Then that's all I could have.

[A]

And you think house and pointed armpit is what is making us a lot of money getting on the debt?

[B]

Could be.

[A]

No, it won't be.

[B]

I don't know my.

[A]

I do.

[B]

My cards say different.

[A]

You're what?

[B]

My cards say different cards. My tarot.

[A]

Okay. I mean, you're making a thousand dollars a month. Those are real cards. Dollar bills. Those are real. You're making a thousand. That's not enough to live. Certainly not in Florida.

[B]

Yeah, definitely not in Florida.

[A]

So what the are you talking about? Really? So someone like you listen, and I'm not against. Do it for fun, the tarot, whatever, all that stuff. But if you're actually living your entire life based on what that said and hoping out forever that this is gonna work, you're never gonna do anything. Yeah, you're never gonna do anything.

[B]

So I'm trying to put myself in the situation that, like, I have to. The situation where I have to put action into it.

[A]

But you don't, because you've moved in with dad now.

[B]

I moved in with him so that I can put action into it because I was just working in stress the whole time.

[A]

Enable you around.

[B]

No, no, no, no, no, no, no. He won't that's. Because that's the thing. I'm done, like, that's the thing. I'm done, like, playing games or whatever. I know that I've like, you know, bought all these things, spent all this money or whatever on my credit cards.

[A]

And stuff, but, yeah, total income, basically nothing. Spend 5024. So done around you.

[B]

Oh, my God, bro, look, that's your exes.

[A]

What do you mean? Come on.

[B]

So don't with me.

[A]

That's exactly what's going on.

[B]

Okay, well, shut up.

[A]

You're going out to eat $500 a month.

[B]

My dad's investing in me. My boyfriend's trying to invest in me so I could, like, work on my stuff.

[A]

He's enabling you too. You're living a boyfriend? This guy, this boyfriend, is he here so we can bring him in and tell her to cough up?

[B]

No, he's working with my dad.

[A]

Oh, what is your dad doing?

[B]

Construction. Oh.

[A]

But, hey, they both just enable you. This delusion. Delusion.

[B]

They believe in me.

[A]

They believe in you. They're trying help you, but they are enabling you. I'm not saying they have bad intentions.

[B]

No, but I've been. This is the thing. I've been working and stuff. I've been do. I haven't been trying to ask them for anything.

[A]

You've never tried to get into a career. You've just been doing.

[B]

I didn't know what to do. I didn't want to just jump into a career that I know what would.

[A]

Hey, maybe work at a different salon with a. Not a creep in the back.

[B]

Try it out. That's the thing. I'll try it out. I'm in Tampa now, like, so I could have a fresh start.

[A]

I guarantee you, if every single salon had a free creep that was managing it, no one would be working at salons.

[B]

You'll be surprised.

[A]

Every salon you had a bad experience that I empathize with. Doesn't mean you. Every salon is bad. Work at a salon where you get paid money.

[B]

I'm trying, but my own. I can't try to, like, figure that out. Get my own, like, little booth or something, like, you know what I mean?

[A]

So how long has his boyfriend been in the picture?

[B]

Since the end of 2017. We met.

[A]

Are you guys considering getting married? That's been a. That's a long time.

[B]

Yeah. So we're not really into marriage. Like, I see marriage more as, like, a business, I guess, because.

[A]

What are we. What are we in the pic?

[B]

What do you mean?

[A]

What is your guys's intentions Long term.

[B]

Oh, to like stay together long term. But I don't. I've never been somebody to fantasize about marriage or anything like that.

[A]

Fantasizing. But it is kind of a lifelong commitment. It's.

[B]

I mean, we're already committed. You know what I mean? Like.

[A]

Yeah, but you're not getting tax benefits.

[B]

That's the thing. So I. I feel I have all this debt and all that, so I don't know if that'd even be smart to like combine to like right now. That's the thing. I feel like that depends on the lookout later.

[A]

Well, you don't really have any assets, so there's nothing for him to worry about. If he had assets, he might have to settle the. Some of the debts in order to receive some of the assets. You know, there's different things. Complications around death, but also life insurance. You know, like, this is certainly easier to do the things for your loved ones if you guys are more official and everything.

[B]

Yeah. Cause that's the thing.

[A]

I have moved into the house too.

[B]

Yeah, we moved in together.

[A]

Dang. What is your dad doing?

[B]

Trying to help my dad. Okay.

[A]

Trying to help.

[B]

My dad was trying to tell us about a year and a half ago to do that, he's like, I think you guys need a fresh start and just, you know, move here and we figure it out, work as a team and like, just figure your guy, like your guys out.

[A]

You guys are destroying your financial future. Spending like you have unlimited money, but you're just going further in the hole. What do you mean? You have a literal eleven hundred dollar monthly car payment. Yeah, it's getting a little tight. $264 in monthly subscriptions. I didn't know we had that many. You guys have to take control of your finances.

[B]

How?

[A]

Just download the dollar wise budgeting app. It shows all of your expenses in one place and helps you monitor your finances so you're not blowing of dollars a year on things you don't need. Download the dollar wise budgeting app today and take advantage of your free trial. If you want to figure it out, go to caleb hammer.com applying. You can come on the show, by the way, but this doesn't make any sense. And that would be much more helpful than moving in with daddy who's just enabling your bad behavior.

[B]

Oh, then we should I move in with you?

[A]

Okay. What the. You shut up.

[B]

Oh my God. Because you say you have all these answers. Da da da. You don't want to give them to me. Might as well just help me out.

[A]

I Don't want to give them to you.

[B]

I don't know, because you, you keep yelling at me.

[A]

I have. I barely even yelled this episode, if I'm being honest.

[B]

Be yelling at me.

[A]

Not that much compared to normal. I'm very tired today. You.

[B]

Lucky me.

[A]

Yeah, lucky you. Listen, the reality is, I mean, you're spending an insane amount of money when you're bringing nothing and moving with dad. You don't have a business. You do not have a business. It is a very much a hobby. It would be considered a successful hobby if it's $1,000 a month, I'll be honest. But it is very much not even close to a business. It's a beyond failed business.

[B]

Well, what can I do to get a job? Well, okay, after that. After that, let's say I get the job. Whatever. Okay, cool. Now what? What's next?

[A]

Well, how much do you make working in a salon?

[B]

How much would I make working in a salon? I mean, that would depend on the area in the salon and stuff like that.

[A]

But you know, where you live, so. Come on.

[B]

Yeah, I would say if you're working in a good location. I've seen. I don't know, it could. It's a lot. That's the thing.

[A]

Sake. You can't even think.

[B]

I can't. I could look it up on my phone to see the media.

[A]

No, no, no, I can do that.

[B]

Because this, it's a huge difference between different like salons and everything like that. Because I've been looking. I've been looking at my.

[A]

You worked at Chase for two and a half years.

[B]

Yeah.

[A]

Was someone up there?

[B]

No, no, Chase, actually that was literally just the area that I worked in or whatever. It just, just I was getting bullied every day and stuff like that. But listen, listen.

[A]

She's never not been a victim in something. I like I have a hard time with people like you.

[B]

Oh, no, no, I. Okay, so I worked there for two years and a half.

[A]

And who would hire you? Listening to this? You're always going to find a problem and some. Some work. Correct. I'm not saying.

[B]

Bro. It's like this is the crazy thing. You're gonna think this crazy. So many of these jobs have asked for me back. For real?

[A]

Yeah. It's easier to get someone low, you know, low paid. Just keep them there. Yeah, I get it.

[B]

Somebody. You just said that it would be hard for me to get hired. Yeah.

[A]

With people hearing this. Like who? Who would want that there? No offense. You haven't had one job without you finding something I'm.

[B]

But that's the issue. That's why I'm like, okay. I feel like then I just need to be like my own. And you will.

[A]

You will find. You will report yourself for being a. Or something like that is what is gonna happen. You're gonna find something. You're gonna harass yourself when you masturbate. I don't know. Like, it's gonna.

[B]

You know, I just. Let me. Just help me. Just help me live my dreams.

[A]

I am. No, because I don't. Unlike other people, I don't just pat you on the back with what you want to do and say it's all gonna be okay. I am trying to. And what I am telling you is you just need to go get a job.

[B]

Well, I said I'll get one. Just let me set my stuff up real quick.

[A]

Median salary for hail, I saw about 37,247 according to ZipRecruiter. In your area. That's going to be hard to live in your area. Off of that, the top earner is 51,000. Not great. I'll be honest for that area. This is an expensive area.

[B]

Okay, so then should I, like, what do you like? What would you recommend then?

[A]

Time to get a real job, maybe.

[B]

What's like a real job?

[A]

I'm not saying that's not. I know that's insulting, but something with a higher career trajectory, what is that like? I don't know what you're interested in.

[B]

Well, I'm interested in art. I'm creative. Like, look at me. Like you literally judging me from my appearance. You say you know exactly who I am.

[A]

So tell me, art. If that's what art is that we're trying to make money off of.

[B]

I'll show you my real art. This is a prototype.

[A]

Artsy fartsy's fun. I'm a bit artsy fartsy.

[B]

I know you were in. You went to school for music. No.

[A]

All right. Parasocial freak, listen.

[B]

And you have tinnitus. You probably hear right now the beep.

[A]

Yes, I do. It's very annoying. It's acting up for a few days. Okay. All right. That's what happens when every single guest is a fan of the show. Ladies and gentlemen, listen. Yes, we're both artsy fartsy. I do accept it. And I had to.

[B]

Why did you kill that dream? Do you still do the dream?

[A]

I didn't kill the dream. I don't have as much time to do music. I said I don't have as much time to do music. Why?

[B]

Yeah, like, just because, like, relationship, business.

[A]

Other things that I want to do doesn't mean just because I like music doesn't mean that there's not other things I want to do.

[B]

Well, yeah, but I know that you also try to, like, have all these other, like, franchise ideas and investment ideas and whatever.

[A]

Well, I test the watermelon.

[B]

I put time into that instead of music.

[A]

I test the water at different things. Our membership is practically the largest on YouTube. By the time this comes out, it might be like, that's something to take. That's history. That's YouTube history. I never thought I could be someone that makes YouTube history. That's not an ego stroke, but that's something that's like, wow, that's cool. So I'm very passionate about that. Again, girlfriend. I mean, that takes time, dogs. That takes a little bit of time. There's just not as much time left in the day running the business. There's responsibilities that come with that. Sometimes we have to grow up. That doesn't mean we kill a passion. That doesn't mean that you can still do art and have a fulfilling career somewhere if there are things you want. Loved sales, and I was damn good at it. I was the top earner on the sales team. And I moved from music composition, of which I made more money than my professors. When and when it comes to them making money off their own music, I made more money off of my music than them. And I was able to live flat, you know, just barely making it with it, because you don't really make a lot of music. The top 1% is very rare, but even still from there, boring. But there has to be something else in the world that the economy is finding value in, that you are able to provide value and get paychecks in return. Preferably something that has a bit more of a maybe not hockey stick, but you know, a curve upward career and pay trajectory if you want to stay in an expensive area. So I don't know what it is because I don't know you like that. That's what this first part of the conversation is. It's the get to know you and your mindset on money. And so far it's. But, you know, getting to know you and I don't know, I. Obviously I can gift you a course career certification if there's something there that interests you. A lot of our audience uses them and they, you know, get good careers off of it. But, you know, that's up to you. But you need to find something. And just sitting on this and being like hope and dreams, hope and dreams. My cards told me, it'll happen. You'll never get anywhere. You won't. I know people like you because I went in the artsy fartsy field. Okay? So I knew composers from all across the country and it's a pretty relatively tight knit community. Here's the fact, the vast majority of them, them very artsy fartsy, they did not have a business mind. I went into it with a business mind and I was able to make money unlike most of them. You are going to this artsy fartsy and you are working to work on your stuff. You don't have a plan, you don't have actions, you don't have a reality. In this field, everyone like you that is in this self help world, that is in this, in, in the artsy farts, all that stuff, you just work to work, but you don't have an actual end result and it doesn't work.

[B]

And that's the thing I.

[A]

And no, I'm not gonna help you on that. No, I'm not gonna help you on that. I want to get you on a good financial path.

[B]

Mm.

[A]

And you just moved in with dad, so we're going backwards.

[B]

Hey, that's my rock bottom. The only way is up.

[A]

Now, the intention is for your boyfriend to be the main breadwinner in your relationship. But you seem so. You seem so anti traditional and that's so traditional.

[B]

So yeah, that's it. So me and him kind of almost take turns of kind of like leaving the job or whatever.

[A]

So who's up? And so you guys stay level forever because neither of you ever get what.

[B]

We'Re trying to correct.

[A]

And now, now he works for your dad. So the success of your dad is only what is making your boyfriend successful. Him going out on his own. You guys are failures.

[B]

Hey, only way is up.

[A]

Now that's not true. But you guys are failures. And I'm gonna call it as I say it. Cause I don't want you to think you're successful when you're not. Because then it just allows you to stay in that cycle forever.

[B]

I got something to look forward to success tomorrow.

[A]

No, actually, no. There is nothing to look forward to because you have to achieve that. People think just because they think it, all of a sudden it's gonna happen. Most people sit on their dreams forever and never achieve that.

[B]

Well, I'm trying to take action now.

[A]

But you're not doing anything. What are you doing? Tell me what you're doing.

[B]

Okay, well, right Now I'm trying to take the time now so I can research everything. I'm going to New York soon.

[A]

This is what everyone says that's in that trajectory. Because I know so many people like you. This was my life. That was my life. I'm researching. It's a permanent, forever research. I'm going to this conference here. I'm going to this here. I'm going to this thing, and you're going to New York. You're doing. It's just like. It just. This never works out. I've not seen one person do what you're trying to do in the way you're trying to do it. And it's come out successful. Not one that I can think of.

[B]

I'm sure there's some successful way to do it.

[A]

If it's the salon. You need to go into a salon, you need to work for them, and you need to build an endless list of clientele and work your butt off for not enough money and then take them with you. That is a path that I would look at. If salon is our big thing. Art, that's just putting yourself out there and trying to get into as many galleries as you can. And in terms of the physical art world, I don't know that as much, but I know just traveling and researching, that's not what's gonna do it. What are you doing in New York?

[B]

So I have my friend, she's a model and she's been. No, this is the thing. She is a model at one of the schools there, or I probably should say. And yeah, basically she gets me free, like, classes in there so I could oil paint stuff and see.

[A]

Yeah, but you have to pay.

[B]

I create connections.

[A]

Oh, yes, it's the endless connections, guys. It's. That's another excuse that everyone uses. Guys, I'm getting connections.

[B]

I am.

[A]

Shut up. I'm sorry. What do you think your score is 0 to 10. It's so stupid.

[B]

0.

[A]

Well, first realistic thing she said all day, guys, get your financial score. Take the assessment. It is free@caleb hammer.com link in the description below. And if you don't want to be like a guest on the show, make sure you download our dollar wise budgeting app, take the trial and then sign up for the annual version if you want to save a lot of money. And I'll also sen send you a signed cookbook mailed directly to you that can't be purchased anywhere else. Remember, you can also sign up for dollar wise Central, our premium product, but it does save you a ton of money. If you want all of our educational resources and the premium version of the budgeting app, it's 80 off through DollarwiseCentral. Dollarwise.com the number one YouTube membership just got upgraded and for this month only, you can join for free. Three exclusive shows every day, Monday through Friday. Financial audit Post shows, exclusive and uncensored financial audit episodes. Our call in show Hammer it out, then take the train. And brand new shows fat and fatter. There is that one. I would go off brand behind the audit. What? This was wild Hammer versus Internet. And now upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of [e-mail] and we'll reimburse you for the first month with a ten dollar digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay. It's worth it. Yeah, it is. Join Hammer Elite, the best membership on YouTube today for free. Let's get to these statements. Sorry that intro took so long, ladies and gentlemen. This just. What? But I gotta learn these creatures sometimes and. Oh my gosh, there's a lot to learn with this one.

[B]

What's wrong?

[A]

Your laugh is scary. Freedom card. What's going on here?

[B]

Freedom.

[A]

Huh?

[B]

I had too much freedom with that card.

[A]

Haha. What's going on with this card?

[B]

Well, that's where it all started. Okay. I will say I was very responsible when I first got it. And then it's over.

[A]

Maxed out.

[B]

Yeah.

[A]

Oh. Oh.

[B]

So after I left Chase, I.

[A]

How long ago was that?

[B]

Oh, that was probably like 2022.

[A]

Okay, go on.

[B]

Yeah, something like that. But basically I took eight months off of work within that. That's when I took.

[A]

Why?

[B]

Because literally just the amount of stress that I felt from that job.

[A]

Chase, you're never gonna survive in this world. You're never gonna survive in this world. Nope. You're done. You're never gonna survive in this world. You're never going to survive.

[B]

You would have no idea what's happening in my life.

[A]

I've worked many jobs, many jobs. Many good jobs.

[B]

Jobs. It's life. It's. It's. Yeah, it's. I'll get into the life stuff later. We'll. We'll get into it later.

[A]

I hope not. You. Come on. Come on. That doesn't mean you Take work off for eight months.

[B]

Wasn't that wasn't the intention. But also. No. And this is the thing.

[A]

I was economy, by the way.

[B]

No, and the thing is too, I was trying to work on the rugs. That's when I started doing rugs. But it's. I'm a lot of failure. Oh, your business is network.

[A]

Oh, you tried everything.

[B]

Oh, my God. Hey. But it's fine. Like I'm here, I'm trying to fix it.

[A]

Now you're over maxed out credit cards.

[B]

No, it is not fine.

[A]

Eight months off. How'd you afford to live for eight months? Was it just credit cards?

[B]

I had savings at that point. Yeah, you had savings. Yeah, yeah, yeah. So this is the thing. I was very responsible when I was younger with money and stuff until after change. So I always had like 4 to 6,000 in my savings. I paid off my car.

[A]

What was your savings?

[B]

What do you mean? Like.

[A]

No, they're telling me it was your 401k.

[B]

I did withdraw that. I know, I know and I regret it. I regret. I will say I regret that. I know, I know the time. The time was on your side. So I know, I know.

[A]

Money compounding for the decades of your life would have been incredible.

[B]

I think the 401k might have had 4000 in it at the time.

[A]

That would have turned into tens of thousands by the time you retired.

[B]

I know, I know, I know.

[A]

Also, you could take time off because you will bow weeds.

[B]

Oh, because I. That's the thing. I believe I was like 22. I was like, oh, like I got this. I have my dreams and blah blah, blah. And yeah, yeah, I know something's not.

[A]

Lining up though, because listen, this was a long time ago now. And when I asked you what's going on with this card, you told me that that doesn't make sense. You wouldn't be over maxed out right now.

[B]

Oh, no.

[A]

Yeah, from 2021. So what the are you talking about? Why are you over maxed out? Balance. Balance. Balance $8,437.83. Minimum monthly payment $222. Which on a thousand hours a month. A little difficult.

[B]

Angel numbers.

[A]

Are you having stroke? What's happening? What were you doing over there?

[B]

Being a. That. You won't catch me saying that. Not on camera.

[A]

Now that's where everyone fell. Everyone's naughty behind the scenes. I'm just brave enough to be goony on camera. So what? What? Well, I don't understand why you're over max out. You're purchasing why are you purchasing? Why the possibly, like if you're gonna get pushed to over max out. Are you purchasing on a card? You. How long does this take to pay off if you make minimum monthly payments only without any purchases.

[B]

The thing is, is that.

[A]

Hey, answer my question. No, it's a number.

[B]

What's the number?

[A]

See, she's trying to answer a question she didn't even listen to. Shut the up. I'll ask it again.

[B]

Thank you.

[A]

Same exact way. Because it was correct. How long does this take to pay off if you make minimum monthly payments without any purchases? Oh, that's exactly what I asked, by the way.

[B]

That's like gonna be. What is it, 20 years? No, over 20.

[A]

Yeah, basically 19.

[B]

Yeah, yeah.

[A]

You'll be almost a 50 year old failure still living with daddy.

[B]

I just moved in. What do you mean still? It's been, it's like what, day seven.

[A]

Over maxed out credit cards, 20 years to pay it off.

[B]

No, it's. It won't purchase it.

[A]

Yes, it will. You were first. No, you won't. You were purchasing.

[B]

No, I'm figuring it out.

[A]

This is what people say. You think I'm gonna stop pushing back on you because you're gonna say, I'm gonna figure it out. Listen, this is what you are doing right now. Like, why am I believing that? That is such a lie. If you would figure it out, you would have figured it out. What you are doing. Shut the. What you are doing right now. What you are doing right now is purchasing 84.93 while 138.27 of interest is accruing. I'll figure it out. You. This is what you're doing right now. What are you purchasing on here, lady? What are you purchasing?

[B]

I've been buying. It's probably a lot of Trader Joe's stuff, like food or whatever. I. I don't know if I use that card to buy my Trader Joe's.

[A]

That's where the bushwhackers work.

[B]

Well, yeah, that's because I was working there at the time. Remember? I quit like two weeks ago. So yeah, that's like where I was gonna go.

[A]

That's where you quit from two weeks.

[B]

Ago, like around two or so.

[A]

You want to see the dog slipping through the bush?

[B]

I'm like, I'm figuring it out.

[A]

Well, hey, I have a solution to figuring that one out. Don't go there. No, just go to literally any other grocery store. You live in a major city.

[B]

Oh, no, no. Yeah, yeah, yeah.

[A]

Okay. I'm glad we figured that one out.

[B]

That was in my other. That was the Trader Joe's in the other city I was in, I moved.

[A]

I don't know. It sounds like the heads be peeking through them leaves.

[B]

I don't want to see that.

[A]

I'm just.

[B]

I want to see.

[A]

I'm going to be on the lookout next time I go to Trader Joe's.

[B]

Why? Why do you want to see that?

[A]

Compare sizes. Hey, yo. What the. And no, it's getting. It's JetBlue and it's Pizza Hut. So off 805 of interest accrued this year so far, it's only at a 20 interest rate, which is great for a credit card, if we're being honest. So you are getting destroyed almost thousand dollars this year alone on what's considered a relatively halfway decent credit card.

[B]

Yeah.

[A]

Interest rate. So you are that up?

[B]

Well, yeah. I mean, I'm. Like I said, I'm. Gonna. You hate the answer, but, yeah, I'm gonna have to figure it out.

[A]

What is that? That is. I don't know.

[B]

That's. I know. And that's the thing.

[A]

It's such a dismissive response.

[B]

It's not dismissive. I just don't know what else to say, like. Because that's all. Like, I, I. Yeah, you're not figuring it out.

[A]

You've never figured it out. You're only getting JetBlue. You going inside, getting some bull. You Pizza Hut. You.

[B]

Me, then yes.

[A]

I mean, if you're going in and getting some, I can tell it's only a few bucks. You're going against a Pizza Hut as well. I know. It's. It's bull. Bull. Bull. So what are we doing? Why are we doing that on a card that is over? Max out. Like, you're destroying your life. You're making it so much harder for you to ever. Harder to ever be with your boyfriend.

[B]

Because this is a thing. Because the money that I was making, it was my monthly, like, minimum balances for all my cards. It's so much that.

[A]

Oh.

[B]

Oh, What?

[A]

This card says. Oh, I said it again.

[B]

No, it says, I'm the star. You can't read that said I'm the star. That's why I'm on the show. Because I'm the star today. Like, come on.

[A]

Oh, you disgust me. No. Are you here only to be on camera? Because if so, I'm ending this conversation.

[B]

No, I'm literally here, obviously being vulnerable right now, talking about, I brought my life and you threw it.

[A]

Well, it was like five pages in, like 300 empty pages. I don't know what I was supposed.

[B]

To do with it. You're trying. I want you to fill up the rest. Help me out.

[A]

I've already told you honestly that this show is very basic. Now, for what it's worth. Worth. You know a lot of people. I've seen some complaints. It's a little weird. Like, I can't believe this is a super intense financial education show. Like the money guys, this is very basic, but it's also awakening more people and changing more people's finances than any of those other shows. Money guys, Brian and Bo, I love you, but it's just like, because there's more views, so more people have changed their life with this because we do the wake up call. A lot of people don't even know what the budget is. A lot of people don't even know how bad that is. So that's what we do. But let's be honest. This conversation is basic. I could do this in five minutes. Your business sucks. Quit. Go get a real job. Pay off your debt. Smallest to large, just use a budgeting app. We'll gift you ours for free. Boom. Relatively easily solved. That is basically the entirety of this. Now we go through each example of your documents and I learn about you and we get in more detail. But this is simple. You're a failure. You cannot be simple. Steps, budget. Sacrifice your wants. Get a real job instead of being a fake entrepreneur. Boom, you're on your way, Daddy. Stop enabling, daughter. Boom. You're on your way.

[B]

It's like he's just investing in my future with this.

[A]

He's making sure you're never able to be independent for the rest of your life, which is horrible for your future. And I'm going to call him in the post show, let me tell you.

[B]

Oh, my God. Do you know Spanish?

[A]

Does he know English?

[B]

Not much.

[A]

I was.

[B]

You could try. I mean, you could try, but I don't know how. It's like, for real. Gonna go.

[A]

I have some Spanish speakers here, but.

[B]

Okay.

[A]

I don't know. I'm an English speaker because, you know.

[B]

I mean, yeah, we could try that. We could try that first and then. Yeah.

[A]

Why doesn't he speak English?

[B]

I mean, he does, but, like, he gets by or whatever with everything.

[A]

Something I would learn.

[B]

Yeah. I mean, he knows enough to, like, try to. Yeah. You know, but like, for the show.

[A]

You know, for the sake of my business and everything, if I'm gonna operate.

[B]

Here, like, I mean, operate it, though. That's what I'm. Yeah. Yeah.

[A]

Okay, Good Good, good. But not for me to communicate.

[B]

I mean, you could try. Like I said, you could try.

[A]

How long has he been here? I'm not criticizing him for not speaking English specifically. It's just like I feel like it's. I feel like that's a long time.

[B]

No, yeah, yeah.

[A]

But for the benefit of him.

[B]

And he's always stayed in like construction and stuff. So like he just kind of learned that instead, like strictly that, I guess.

[A]

Okay, fair enough. Discover it. Discover it. Oh, seven. Oh good, we're over maxed out again. Yeah, because you're nothing but success. Guys, remember when she said she was doing better earlier?

[B]

Here.

[A]

Shut the up. $7175.28 on here with a minimum payment of $186. Purchasing. You're purchasing. In what world do you think you can purchase on here? Listen, usually I give guests the fizz card, debit card that builds credit. We like that. I don't even want you to have that. Cuz you'll find a way to abuse it and hurt yourself. Even though it's hard to do with that thing.

[B]

That card. Originally I used it for a balance.

[A]

Transfer to pay off. Used it for a balance transfer and now you purchase it on your over maxed out.

[B]

Yeah, yeah. I did go through a whole phase of like shopping a lot. Like a lot.

[A]

It is a miracle we have survived as a species.

[B]

You know, YouTube did tell me the balance transfer or whatever.

[A]

So it can be a tool. I'm okay with balance transferring. I'm okay with consolidations. I'm okay with bankruptcy. There are consequences to all, but I am not okay with any of them. If you do not change your behavior and you very clearly have not changed your behavior.

[B]

I'm changing it now.

[A]

No, you're not. You, you do not just be like, come on the show. I'm changing it today. No, look at your actions. I have it right before you came on the show. Shut the up. That is a response that I will not accept. I will never accept the response if I'm changing it now or I need to work on it. No, this is what you're doing the like a day before you came on. So shut up. Up. Balance transfer, bankruptcy, consolidation are damaging. If you do not change your behavior before you do those, they can be a tool with some consequences, but potentially a tool. If you change your behavior, I Recommend at least 3 to 6 months of behavior change. Proving it before you do it. And you didn't. Where we get purchasing on here Last time you said it Was something. Something that wasn't even. Even close because it's Pizza Hut and flying. So that wasn't true. What's the lie gonna be on this one? What are you purchasing?

[B]

That's the thing. I'm like, all I remember. Who told you to balance transfer someone on YouTube? And then also, you don't even know who you watch. That's the thing. I. That was a long time ago.

[A]

Listen, I was watching multiple people about anything.

[B]

At least know me now. No, that's the thing now. Now I'm trying to, you know, find my YouTubers. That's why I found you again.

[A]

Art is basic. Like, even those who criticize me and hate me, they don't say what I say is wrong. Wrong.

[B]

No, that's. I mean, not. Yeah, you ate with that?

[A]

Yeah. So you don't know what you purchased?

[B]

No, that's the credit score.

[A]

650. Not great.

[B]

Oh, I thought it was lower.

[A]

Okay, some gas. But then he went and got some. Went and got some. Trader Joe's. Got some. Trader Joe's got some. Because that's ain't. That's certainly not groceries. Way too cheap. You went in, you got some nine bucks, seven bucks.

[B]

Bucks from where?

[A]

Trader Joe's.

[B]

Oh, no, that's the Dick Out Factory. Okay, listen, it's Trader Hoes. And then also at Trader Joe's. That's usually. Don't tempt me.

[A]

I'm going.

[B]

Hey, you should work there.

[A]

I do.

[B]

Okay, so you hobbies, Hobbies.

[A]

Working retail. I have nothing against working retail, but that doesn't sound like a hobby.

[B]

Like, no offense, you have no time for music. Maybe you can make time for this.

[A]

That does not make sense. Okay, so you're going in and getting some constantly.

[B]

No, I just feel like I always buy. Gross. No, I usually just buy, like, groceries there.

[A]

You're not. It's like seven bucks. I know for a fact.

[B]

No, it. No, I don't buy snacks like that. Like, I stopped because I was like, water. I buy water. Yeah, like that.

[A]

That's.

[B]

I need water.

[A]

Are you stupid? We have water bottles.

[B]

I know. I buy the water bottle.

[A]

No, we have water bottles to be refilled. You're going and buying.

[B]

You're going to buy a water bottle?

[A]

Yes, because it's one time you. What do you think? What are you talking about? This costs like a couple of your trips. You're done, and it's done. Like, then, you know, have to.

[B]

I'll get a water bottle. Which card you want me to put on?

[A]

Brand new concept.

[B]

Which card?

[A]

Should I put it on when you go make money? Until then. Until then. You're drinking out of the faucet like a.

[B]

Okay, like a what? I don't know.

[A]

What? Racial slur?

[B]

No, I was gonna say, like, that's like the image that came in my head. You want. You. You trying. You trying to get something out of me. You can't get it out.

[A]

And you know why we bleeped what she said? Because she said the N word.

[B]

Oh, my God, you're so crazy.

[A]

She said the N word, ladies and gentlemen.

[B]

Oh my God. What? Y' all believe what you want to believe. I can't control that.

[A]

Listen, I don't know. You're just going in and getting single use. Single uses. And this sitco a og you went in and got some cuz. Wawa. That was gas.

[B]

I probably had a Petco.

[A]

What, for seven bucks? Bucks. Definitely not food that is way too cheap for pet food.

[B]

Oh, I sometimes get like the individual cans.

[A]

You're in a band with folks from Trader Joe's?

[B]

Yeah, yeah, we're in like a folk punk band.

[A]

Are you spending money on this at all recently?

[B]

Because my co worker, he has a new neighbor and so now we have to go to a studio to practice sometimes because of the drum set that. So that's like $30 sometimes.

[A]

$30 a person.

[B]

$30 per person. I know.

[A]

You make no money.

[B]

I know, I know, I know. That's the thing. And so that's why like now in the Tampa or whatever, I'm trying to tell them, like, maybe we can practice at my place now. Now that. At my dad's or whatever.

[A]

Oh, your dad will love that.

[B]

Yeah, he enc.

[A]

Doubt.

[B]

No, he does. He's a party guy.

[A]

You're playing folk music?

[B]

Folk punk.

[A]

Hey, Wells Fargo. 20 years to pay off again. Please don't be over maxed out. Please don't be over maxed out. Can't find the max. Huge bounce. Regardless. What's up with this card?

[B]

So each card is. Has always been like a balance transfer to the start. Yeah.

[A]

How many times have you done this?

[B]

I. In total, I have four credit cards.

[A]

You've done four transfers and then you've built them all up again?

[B]

Yeah, yeah. No, I was crazy.

[A]

I wasn't after one. It would suggest that it doesn't work. You tit.

[B]

It just kept going and going because I kept saying, it's going to be different this time time. And then it wasn't different. I just kept.

[A]

What? Why would you think it's different? It's Just like you saying I need to figure it out afterwards. It doesn't ever happen.

[B]

My mindset has changed. No, it doesn't.

[A]

That's what you said before the first consolidation and after the second consolidation and after the third consolidation.

[B]

This fourth one is not rock bottom. I hit rock bottom. The only way is up.

[A]

You haven't hit rock bottom because you can get into a much worse situation. I've seen.

[B]

I know I could. But this is. I told myself this was going to be my rock bot.

[A]

You don't get to decide what your rock bottom is. That's not how it is. Life will go. And you're lucky you have daddy there, but he's allowing you to go even further down if he dies.

[B]

You're I like I. I'm figuring I'm going to figure it out like I have to.

[A]

So, as many of you know, I've been a big supporter of course careers for a long time. I'm not just a partner. I actually own stock. And I'm an investor. So why did I partner with course Careers Careers? Because I truly believe in what they're doing. A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. CourseCareers offers a practical, affordable way to launch a career in a high demand field like tech, sales, IT and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, in fact, right now, one in three companies are dropping degree requirements and that number is only going to continue to grow. I know some people think online programs are a quick fix, but that's not the case here. Coursecareers takes effort and commitment, but they provide you with a streamlined, proven path. They offer up to date self paced courses, one on one, or group coaching from people that work in the industry. And most importantly, they help you actually get hired. Just look at graduates like Nemeso, who went from driving FedEx trucks to a cybersecurity job at Du Disney. That didn't happen by chance. He put in the work and course careers guided him every step of the way. And what truly sets course careers apart is that it's not just about learning skills, about landing a job. Their curriculum is designed based on what employers actually need. And their network of industry coaches will guide you through the entire process, from learning the skills to interviewing, resume help and beyond. So if you're Serious about starting a new career without wasting years or piling up debt. Give course careers a try. Start with their free intro course linked in the description to explore your options. And when you're ready, use the link in the description for $50 off the full course. Your future starts right now and course careers is here to help you shape it.

[B]

I know.

[A]

Yeah. What a bullshit response. Because that's what you.

[B]

What do you want me to say? What do you want me to say? What would actually satisfy everything?

[A]

Absolutely nothing.

[B]

Exactly. So I'm just gonna. You want me to talk or whatever, that's what I have to say.

[A]

But you don't have to say that. I don't know.

[B]

There are me to say it.

[A]

No. There are answers that other people have given that has satisfied me. Like I'm trying to think of an example. Listen, we're doing this live because it.

[B]

Doesn'T seem like there is if you can't think of anything now because what.

[A]

You get to do at least example of what you should pay off when what you could make at a job, you didn't even know what you're making. You could give real life examples of what exactly you have to do. Instead, what you do is the deflective. I just need to figure it out. Such a general broad, nothing answer.

[B]

Yeah, because that's the thing. I. Because I just moved so I haven't sat down. And this is me sitting down right now.

[A]

Instead of you actually ever figuring it out, you've only ever told yourself I need to figure it out. And that's why I will not accept it.

[B]

Yeah. And now I want to put action into this. Why do you think on this show this is low key action and I'm flowing all the way from Florida to be here.

[A]

Yeah, but we pay for that, so it doesn't mean.

[B]

Yeah, but I still time out of my like a day.

[A]

You lost a day.

[B]

I still, I, I put in the action to come here and talk about it and be vulnerable.

[A]

And I'm glad. I'm excited about that. I'm not on you for that. All I'm saying is the, the, the phrase, your phrase of yeah, I need to think about that. I need to work on that. It's nothing. Because that's what you've told yourself your entire life after three consolidations in a row. And it's never worked. So I cannot allow you to say that because it is damaging to you because it worked once.

[B]

Put action in. I know I have to put action in and I want to figure out what that action.

[A]

They purchased $201 on here. Yeah. How about not that action? That's a good start, right? Oh, you're over the 11 by 100. Stupid. Dumb, dumb. $133. The minimum is 1 77. Stupid. So stupid. Minimum payment is. Or the balance is 5133 58. What did you purchase on that? Just happened, so you should know.

[B]

I will say whenever I use a card, I'm not looking, I'm just seeing which one has a balance to like pay it or whatever. Because my checking account always gets to zero because I have to pay all those minimum balances. Because I think in total I probably pay like 700amonth for my credit cards. In total.

[A]

Good. You deserve that.

[B]

Yeah, that's the thing. I have nothing in my checking. So then usually get a job. Yeah. Yes. I'm. I'm going to put in the action.

[A]

I certainly hope so. That's a wait and see. That's not a conversational piece.

[B]

Yeah.

[A]

Well, yes, I also should say you just need to put in the action. That means nothing. You've done nothing. You've always only told yourself you need to put in the action, then you never do. So that means nothing. Shut the up. So you have no idea what you purchased?

[B]

I just know.

[A]

It just happened.

[B]

Was it food? It probably was food. I've been buying food.

[A]

Yeah. Going in and getting some, getting some, getting some, going getting some, getting some. And the garden. Restaurant and getting some. And then vans. You did not need new shoes, I promise.

[B]

Oh, I literally didn't have any shoes.

[A]

That's a lot.

[B]

I only had heels. That was it.

[A]

There is no humanly possible.

[B]

I don't own a lot of shoes like that.

[A]

A lot of shoes. But you own shoes.

[B]

Heels. I only had heels go to Goodwill.

[A]

$371.87 of interest this year so far. Well, you certainly can't afford a restaurant that was more expensive than vans. The garden.

[B]

The garden.

[A]

The garden. The garden.

[B]

I don't even remember what that was.

[A]

$86 50.

[B]

$86 and 50 cents. Garden. I. I really don't remember where that was.

[A]

Now this dad that enables you when you do not have enough money in your account and you do not have the ability to spend on a credit card because they're over maxed out. Does he ever give you money?

[B]

He's helped me. No.

[A]

No dad, no papa. Right? What do we call them?

[B]

Yeah.

[A]

Senor. Senor. No, Puppy.

[B]

He says that when he was my age he was drowning too, or whatever. So yeah, he's and what happened?

[A]

Did his grandparents bail him out?

[B]

Well, he said.

[A]

Did his grandparents figured out. What did he say?

[B]

He figured it out.

[A]

There we go. He figured it out because there wasn't an endless enablement system. And now he is making sure you never figure it out. How much, how much does he lend you here and there? Lend or give? I don't even know. You have debt to him?

[B]

He. I try to him, I offer to pay it back, but he doesn't how.

[A]

Much and how often and when and what?

[B]

It's only been whenever I couldn't pay off a bill or whatever.

[A]

Just always don't make money.

[B]

Yeah, well, yeah, there's for example like $100 usually if I have to like, like say a certain thing.

[A]

You borrowed $1,000 the past few months?

[B]

Yeah, because I needed like I said with the bills, like if it's just like oh, you know, like here or whatever. I couldn't like pay for the Uber so he had to like send me 100. Yeah, but with the other stuff. Yeah, like the. I had to get like 600 for like bills and like whatever and. Yeah, I thought you couldn't break those mics. Oh, never mind.

[A]

Yeah, dude, you're never going to make it anywhere until he cuts you off and makes you actually go get your own figured out. Cuz you're never going to have the incentives to figure it out. Cuz he's always going to help you. If he can take care of the bills, why would you have the incentive to go grind and pay the bills, literally? Can you answer that, that question?

[B]

Okay, so answer that question.

[A]

Why would you have the incentive to go out and grind when a bill comes due if he will just pay for it?

[B]

Because it's not like he can always pay for it like with his job is it comes in seasons like construction, you know.

[A]

Great. So you're taking from someone like that. That's honestly selfish behavior.

[B]

It makes me feel terrible or whatever because. Well this, this is a more recent thing that happened though. Like this had been for like the past. I started having these issues I think like about a year ago because before that I, I was never asking him for money or anything like that.

[A]

Does your boyfriend speak English?

[B]

Yeah, yeah, yeah.

[A]

Okay, maybe. Yeah, he's white him in the post show.

[B]

Okay. Yeah, call him.

[A]

Because you guys have been together for so long and he must be enabling you too. And the fact that he's living there, it's so weird. You guys are just dead being beats.

[B]

Hey, we're trying to come up with Actions.

[A]

Now that again, that is a nothing term you're trying to come up with. Action. Do action.

[B]

I'm. I know this was.

[A]

But you're not. You're not. No. You could do so much without coming on this show. You could literally just go work. So stupid. And you plan on spending hundreds upon hundreds to get a salon set up in your house. Illegal. Really?

[B]

Oh, my gosh. Well, because it just illegally. I want to look into it and see what I can.

[A]

Oh, my. That's her response for everything.

[B]

I know. Stop telling me the same story instead.

[A]

Of just saying, oh, you're right. It's, oh, I'll look into it. Like, shut up.

[B]

Oh, my God. Why do you want to hear that you're right so bad. Why do you want to control the conversation so much?

[A]

It's not about my ego. It's about you accepting.

[B]

I didn't say ego.

[A]

That's how you're framing it. It's about you accepting it.

[B]

Accepting it.

[A]

Instead of I need to look into it. It's a deflect and move on response. That's what it is.

[B]

I'm trying to accept it. That's the thing. I have the debt. I know.

[A]

Accept it. Don't try to accept it. Accept it.

[B]

I accept it.

[A]

Wow. She finally did something. First time in our life, dude. I don't. Good luck to your family. City. Simplicity. Okay, what's going on with this card?

[B]

Yeah, no, it was like I said. That was the last. Yeah, no, that was the last card actually, that I got. Balance transfer. Yeah.

[A]

Still purchasing. Still purchasing. Over the limit. Over the limit. What a joke. What a joke of a life you live. You don't give a. $76.42. You don't give a Everything's been bullshit purchase. Haven't seen other than one gas purchase. Haven't seen a single necessity. What a joke. 14 years to pay off. Good luck. Good absolute luck for a Paris trip.

[B]

I did go last year. And Amsterdam.

[A]

What the is wrong with you? You can't afford.

[B]

Yeah, that's actually how I completely maxed it out, actually.

[A]

Going in and getting some bull. Going and getting some bull. Get in some bull. Getting some bull. And laundry. Did I have laundry at your house?

[B]

No. I mean, now I do. Like the laundromat or whatever. Yeah, yeah, yeah, I have. It's like where I was at.

[A]

Okay, that's fine. That's fine, that's fine. Everything else was.

[B]

My God.

[A]

What?

[B]

Like it was all.

[A]

Are you not willing to accept it? You're going in and getting some you're going in and getting some groceries. Not groceries. Not groceries. I guarantee you they were not groceries.

[B]

Oh, the water. Yeah, I got it. I have to buy a water. Got it.

[A]

You're around. You're being. This is so stupid the way you were living. No. Hila. So this is student loans.

[B]

Yeah.

[A]

What did you do? This is for cosmetology.

[B]

Yeah.

[A]

$10,000 for cosmopology.

[B]

It was all for you to not use it, but yeah, I had a pell grant and then I paid off a $500 loan.

[A]

Oh, man. We pell granted for house when Tom kill me now. 9935.69 re. Look at the pell grant system, ladies and gentlemen. Payments are becoming due soon.

[B]

Yeah.

[A]

Because the time for this sitting at zero is done.

[B]

Yeah.

[A]

Oh, they've announced it. And you're. Then you're gonna have to actually pay the bills that you chose to take out.

[B]

Yeah.

[A]

You deserve it. It. And I'm okay with income based repayment. That's okay. And luckily you'll be on an older system of income based repayment instead of the newer systems that have been announced because that's for future borrowers, if I'm not mistaken. But $9,935, I'm guessing with an income based thing, I. It's going to be pretty cheap. Typically, I'd say you're about at 150 bucks. Traditional. I'm going to say you're going to get moved down at 25 to 50. I'll do 50 just to be, you know, you know, just to be safe as we make out the budget at the end. This is ridiculous. How long was cosmetology school?

[B]

It was about like a year and a half for me.

[A]

Okay.

[B]

Yeah.

[A]

Is that normal?

[B]

Well, it took me a little bit longer because of family stuff.

[A]

Okay. Okay. Okay. So these are going to come due soon.

[B]

Yeah.

[A]

And you better pay or else they're going to come and get you.

[B]

I'll pay. I'm get you.

[A]

This is your checking account. Really not much in here. It's very scary. Lots of transfers back and forth.

[B]

Oh, yeah.

[A]

Paying for. Oh, paying for deposits. Paying for, paying for, paying for, paying for. What are all these paying fors?

[B]

Oh, so my overseas. My mom lives in Venezuela and she uses my debit card for transactions over there for like food and stuff.

[A]

Why you? Why not papa or puppy? You make no money.

[B]

It's. So my dad and my aunt, they transfer and then I also help out to like send money over there.

[A]

They're seeing the statement that they went through, they were not seeing overseas transactions. It is for some of the pay fors.

[B]

Well, because she has. I mean I guess she has access because they use Zel over there for the grocery stores.

[A]

Well, Zel's different. I'm talking about the, the Chase Pain Force.

[B]

Oh that. Oh yeah, yeah, yeah, yeah.

[A]

You know the thing that I said like four times.

[B]

Yeah.

[A]

They never mentioned the word Zel once.

[B]

Sorry, sorry. Yeah, yeah, yeah. No, my bad.

[A]

Because glad we're just hearing things that I'm not even saying. Yeah. Keep going.

[B]

Oh my God. Okay, well that. Yeah, I had used it because my mom needed money and stuff. So then I put that like.

[A]

Just do everything else wrong.

[B]

Like yeah.

[A]

Michael scores going in, getting some BS going in. Getting some BS going and getting some BS. Salon centric going and getting some BS. The Hideaway Bar, atm a draw $560. Who knows where the. That one. That's insane. Battle to la going and getting some BS Going and getting some bs. Wendy's Amazon going in and getting some bs. Brooke Elvin pizza going and getting some bs. You go in and you stop for constantly pizza a Hut ad. I'm charged $20. Who knows where that went. Going in and getting some bs. Oh, oh. Zelling out. Hold on. How much does mom take? Because this is like upwards of $2,000.

[B]

Well, yeah, that's the thing. We help fund everything over there because it's.

[A]

You don't have money. You can't. I'm sorry. The best way to take care of other people is making sure you're at least able to survive so you can take care of them long term. Right now I'm seeing about $2,500 to sell. That's impossible. Your savings has gone down to $0. This is impossible. You can't fund this. Your dad can. You cannot. You don't make money. How, how would you. I don't like this. And I know the situation in Venezuela is a bit. Really your whole situation.

[B]

My grandparents there and my grandma.

[A]

You don't make money, how are you ever going to be able to live life?

[B]

Yeah, I mean that's the thing. And it's hard too because in Venezuela, like the prices, they change every day.

[A]

And have they considered. Considered it's coming here?

[B]

They can't.

[A]

Why?

[B]

Well, my mom can't. She has. She has to wait the ten years.

[A]

Okay.

[B]

Yes, because she got far. Is she seven?

[A]

Ten years of what?

[B]

Because she was deported.

[A]

She was deported? Was she on asylum? It was for Venezuela.

[B]

Yeah, it was like we Tried to do the asylum thing and stuff, but our lawyer, they switched it over to a different lawyer at the last minute somehow.

[A]

Did you have like a public lawyer?

[B]

And she was terrible. She had everything wrong.

[A]

You had a public law.

[B]

It was. That's the thing. I was. I was 18 at the time, so I don't really know too much from that, but I know that it was like 10 years.

[A]

And then what?

[B]

And then she would have like a chance, I believe to like try to like reapply for like a visa or something. Yeah.

[A]

Of which I wonder what that accept rate even is if that's not a record.

[B]

No. Yeah. Yeah. So.

[A]

Yikes. Now as I build this budget, you and your boyfriend have been together for a long time. And I understand it's a complex relationship with you guys not wanting to get married, but we're still kind of a household. It's weird. What is your guys communication relationship with money as I do this budget. Like what is anything with you guys?

[B]

So we. I know that he's not super comfortable with like finances and stuff like that. Just in what way? He just doesn't like learn about it and all that stuff. He doesn't. He did have just like. It wasn't a credit card, but it was one of those things.

[A]

Does he have debt?

[B]

It's paid off now because it was only. Yeah, yeah, yeah, yeah. So none.

[A]

So why are you trying to say he's the one bad with what?

[B]

Oh, no, no. I'm not saying he's bad at it.

[A]

He's terrified. But he's dead.

[B]

Yeah. But he doesn't like, he gets scared to look into it. That makes sense. Good.

[A]

You guys shouldn't. You should be scared too. You have completely your life. But what is your guys's relationship? Communication with finances? What are we plan to do to.

[B]

Like with my credit cards or like you guys together? Because like the marriage.

[A]

Lind thinks she. He may have taken advantage of you.

[B]

No, no, I don't think so. Because me and him, we've always kind of gone back and forth with like if he has a job and then I don't.

[A]

Why don't you guys just have jobs together? You guys are so weir.

[B]

Yeah, that's something that.

[A]

But I am being told that some of the spending for him is done on your debt, whereas you are the one settled with all the debt. He is not meaning that in a way that does put. Especially with not being married. It puts the bill on your plate. The debt on your plate. Would that not be a heavier weight towards you versus Him.

[B]

I mean. Yeah. Like, I guess the thing is I was the one that got the credit cards and everything like that, and I Off. That's. I offered to, like, help out because I know that he wanted to be a chef and everything. And so I know he was working as a cook and was. I know. And then it wasn't making a lot of income from that. Yeah. So that's the thing.

[A]

Like, can you guys do something that makes an income by chance at some point ever?

[B]

That's why he's getting into construction and trying to listen.

[A]

He's literally just. With your dad, though. He wouldn't have a job if it wasn't your dad.

[B]

Yeah, I know.

[A]

My dad's like, your dad is in just.

[B]

No, but if it wasn't for your.

[A]

Dad, you guys would be dying.

[B]

Yeah, no, I'm grateful for my dad.

[A]

No, you might need to be dying a little. So you can get your. In gear.

[B]

I'll get in gear, everyone.

[A]

You learn the things sometimes people need to reach rock bottom. Yeah, I think you need to. And the way to do that is your dad takes away the piggy bank.

[B]

Hey, this is the thing. I.

[A]

Because you're not going to hit rock bottom until he does.

[B]

I've worked a lot, like my whole life and stuff, even helping my dad and everything like that, too, so. And I know in his way. Way, it's just a lot to get into or whatever about growing up, but. Yeah, basically. I know. I don't know. He. It's. It's just complicated.

[A]

Okay.

[B]

I don't know. Yeah.

[A]

What's not complicated is very clearly you're being enabled and it is holding you back. That's not complicated. That's the reality of the situation. You would not be okay with sitting on your ass for a few weeks if you did not have Daddy there. If your bills could be covered by him and if the roof over your head can be covered by him, you would not be okay with your current situation. You would be out there finding a way to make money. You would be out there providing value in the marketplace and you would be receiving dollars back and you'd be able to pay your bills and you'd actually be learning financial discipline. But because Daddy is there to save you, you have really no need to do that. And it's okay for you to sit on your ass.

[B]

I'm not trying to sit on my ass, though.

[A]

I mean. But you are. And you wouldn't be if you needed to.

[B]

I've been there for a few days.

[A]

Quit a few weeks. Ago you would have something lined up if you didn't have your dad lined up.

[B]

But because he said, like I said the two month thing for me to just get myself together for you.

[A]

Exactly. And that's unacceptable.

[B]

I can't have the two minds and then, you know, go out.

[A]

You figure out is trying to set up an illegal shop like it's nothing real. This is so dumb. Income, I don't even know. But we can only see what you need to survive for a budget. So. So this is ridiculous. Your debt, minimum depayments is $711.42. Do you have to pay rent, utilities, Internet, anything?

[B]

No, not yet.

[A]

Okay. Gas. Vroom, vroom. Drive. Drive.

[B]

I'm near a lot of stuff, so I don't think I have to pay that much anymore for that. So I'd say probably maybe $40 a month.

[A]

Car insurance?

[B]

Car insurance is about 230chunky.

[A]

Phone bill.

[B]

Phone bill. I. My dad takes care of that.

[A]

Huh. If you ever have to have yours, as long as T mobiles get in your area, I would do helium. Super cheap, super affordable.

[B]

Oh, thank you.

[A]

Necessary food. How does groceries work in the house? Not you stopping for water every five seconds. Your of your life. How do groceries work in your house?

[B]

I would say I've been noticing, I think around maybe 150.

[A]

No, how do groceries work? Who's buying what?

[B]

Well right now it's been my dad and my boyfriend or I have two with the money that I got from Trader Joe's. Like right now, but for future. So like do you. Because that's the thing. I'm like, I just like right to not have the TV fund.

[A]

A hundred dollars. Anything else you need to survive Groceries. I'm gonna say 150 is what you contribute. Maybe medical, health care, anything.

[B]

I know my dad takes care of that one. I'm on his plan.

[A]

No, Bruno. 26. Isn't that where it ends? Or is 26 the last year?

[B]

Oh no. Well, he. I don't know. He put me in some sort of plan or whatever. I don't know. I. I don't know.

[A]

No, I don't think so.

[B]

I just know that he at least covers the payment for it. Oh, I don't. That's. Yeah, I know baby.

[A]

You'll never learn any. That's true.

[B]

I'm trying laughing at it now. No, you're not trying to learn.

[A]

No, you're not. Subscriptions. No. Cough, cough, cough, cough. I don't know, dude. So you may be bringing a thousand hours, but you need at least to just live with him alone is $1,231.42. What is your plan with that? I'd like to hear from you self assess. What the is your plan with that? How do you even pay for that? What's your plan plan here? You're always thinking about it and you have to think and you have to make plans. Go ahead, make one.

[B]

Okay, so I know that I can get some hair services in as well as sell some rugs and everything like that. Typically, like I said, a thou. That's a thousand there. That's a thousand there. There's a thousand there. Okay. My boyfriend, I know you're gonna hate this or whatever, but he is going to help me with this since he's getting paid and everything.

[A]

Married.

[B]

I'll, I'll look into that because like I said, I haven't looked into it that genuinely with Mary. Haven't looked into like that. Oh my God. Okay. And then. Okay, so like I will say, I say I do travel a lot and I want to factor that into like budgeting somehow.

[A]

That doesn't make sense. You can't even afford what's there there and that's nothing.

[B]

Yeah, how the can we.

[A]

Are we even talking about travel?

[B]

Like, I don't know, Because I know, like for example, I know there's like a cruise or whatever that my friend wants me to go on and stuff.

[A]

Your friend? Or they can pay for it.

[B]

True, true.

[A]

They can pay for that is your only way to go on the cruise. What are you laughing at? You.

[B]

Oh my God. Because you know what? If I, I could either cry or like laugh.

[A]

What else is travel? You.

[B]

Well, I go to New York pretty often.

[A]

Why?

[B]

Because you don't have money and you're.

[A]

Trying to find your mom. That's not even in the budget either.

[B]

I. Okay, so I don't have to pay for a place to stay there. I usually find food round. I could get a dollar pizza there or actually a lot of times I find things where it gives me free food too, like events and all that stuff. I get invited to a lot of of events over there.

[A]

I mean, they're calling you out, they're saying lies. The flights are not $30.

[B]

Well, yeah, no, like that's the thing. I try to find stuff like that. At most I'll go to like a.

[A]

This is one of the things that she tries and then she doesn't. And then she's like, okay, so I'm just going to spend a lot more off your mindset. And your excuses for your own life and misbehaviors are unacceptable. Unacceptable. You have around and your dad needs to cut you off and you need to hit rock bottom and I'm gonna call them both. We are gonna talk and I need you to get destroyed so that you have to go out there and get done on your own. What a joke. Listen guys, join us in the post show. I'm gonna give our Hammer Financial score right now but join us in the post show. Remember sign up for Hammer Elite is free for this month. I will reimburse the [e-mail] come watch the post show. I'm gonna call her boyfriend and it's gonna definitely be interesting. I know that for a fact because I need to confront the out of this failure spending in a budget you ever spend 0 to 10 debt? I mean they're over the balance. All of them except for your student loans because you can't 0 out of 10 then emergency fund you drained it to 00.10 retirement you took it out 0 out of 10 retirement real estate. Good luck ever affording that 0 out of 10 hammer financial score 0 out of 10 join us in the post show. Join Hammer Elite in the description below or click that join button. Submit the proof of purchase@hammer elite.com only for this month and I will reimburse it with a ten dollar digital gift card that can be spent in any anywhere in any country. You allow yourself to quit your job take on a why didn't I know about the payday loan?

[B]

I forgot.

[A]

Have you ever jerked?

[B]

Did it work?

[A]

Teaser is going to look very weird. You are being cucked. No no no. He's getting cucked in 4K elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.