She Came Here To Fight Me | Financial Audit

Summary

Financial Audit Podcast Episode Summary

Episode: "She Came Here To Fight Me | Financial Audit"

Host: Caleb Hammer
Guest: Raven, 31, Denver, Colorado
Date: June 17, 2026

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Overview

This fiery episode features Raven, an esthetician and bakery froster from Denver, as she undergoes a brutally honest financial audit by Caleb Hammer. The conversation—frequently combative and laced with dark humor—dives into Raven’s approach to debt, addictions, spending behaviors, and her ongoing struggle with personal accountability. The episode alternates between raw confrontation and moments of reluctant self-reflection, serving as an unfiltered examination of self-inflicted financial chaos, underpinned by personal challenges and defense mechanisms.

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Key Discussion Points & Insights

Raven's Income Streams & Business Structure

• Bakery Job:

  • $18/hr, 30 hours/week = ~$750 every two weeks.
    • [02:12] "Yes, every two weeks." – Raven
  • Considered by host as low-skill, low-pay, and unsustainable in high-cost Denver.
    • [02:12] "And in Denver, that's not gonna stretch very much." – Caleb

• Esthetician Business:

  • Self-owned studio focused on eyelash extensions.
  • Claims to earn $3,000/month from this, contributing to a total monthly income of ~$4,500–$5,000 with side gigs.
    • [02:54] "Total average is $5,000 a month with my eyelash business." – Raven
  • Raven isn’t setting aside 30% for taxes, leading to IRS debt and payment plans.
    • [03:32] "Do you set aside money for taxes?" – Caleb

• Side work: Previous DoorDash earnings, stopped due to car issues.

Tax Issues and Financial Mismanagement

• Failure to set aside for taxes: Raven prioritizes immediate bills and vices over estimated tax payments, resulting in back taxes and penalties.

  • [03:50] "That is the money is keeping my roof over my head." – Raven
  • [04:03] "Yeah, until the IRS comes after you. They're the ones with the guns, by the way." – Caleb

• Payment Plans: Currently on payment plans for IRS and past taxes, with no savings set aside for upcoming tax obligations.

Debt, Lawsuits, and Consolidation

• Credit Card Debt: Numerous cards maxed out, one creditor actively threatening a lawsuit for nonpayment (LVNV Funding, $17,000+).

  • [09:28] "Yeah, One of my credit cards that I haven't been able to settle on. They are threatening to take me to court." – Raven

• Debt Consolidation: Enrolled in National Debt Relief; instructed to stop minimum payments to establish hardship, leading to collections and lawsuits.

  • [20:36] "I signed up for national debt relief last year, and they told me to stop making those minimum payments." – Raven

• Settlements & Payment Plans:

  • Some debts settled or on payment plans (~$600/mo); largest debt demands $500/mo minimum payment or $4,000 settlement.
  • Owes $10,573 on US Bank, $1,600 to boyfriend, $2,500 to uncle.

Spending, Addictions, and “Coping Mechanisms”

• Vices: Regular spending on cigarettes, boxed wine, weed (~$40/week), thrifting/antique stores (including $70 Polly Pockets, 50+ collection), energy drinks, informal shopping sprees.

  • [24:44] "It's a $4 box, and I can get it to last one to two weeks. Weed, it’s about $40 a week..." – Raven
  • [24:55] "It's not add cigarettes." – Caleb

• Rationalization: Raven routinely justifies self-soothing purchases as necessary to cope with life stressors, seizures, and depression. Shows high aversion to major lifestyle changes required for progress.

  • [25:49] "I want to get out of debt, but those are the things helping me cope. Life sucks." – Raven

• Self-admitted lack of impulse control:

  • [81:25] "It’s just, you know, like I said, it's just dumb impulse control." – Raven

Personal Responsibility vs. “The System”

• Blaming Financial Institutions:

  • Raven attributes part of her debt spiral to credit card companies' policies, accusing them of "setting her up" with easy credit and high limits. Hammer pushes back hard on this deflection.
  • [16:05] "I can be more educated in the future to eventually be able to get a credit card. I'm not disagreeing." – Raven
  • [16:10] "Yeah but your entire excuse that the banking system's a scam isn't what you you swiped." – Caleb

• Host's Stand:

  • Hammer repeatedly underscores the principle of personal responsibility, refusing to allow Raven to externalize blame.
  • [16:41] "You still did. And you're blaming the system not yourself. That's called personal responsibility." – Caleb

Health Issues and Family Dynamics

• Medical Bills: Owes nearly $2,000 for hospital seizure treatment, $1,400 for ambulance, ~$900 remaining on new neurologist—plus ongoing co-pays and anticipated new procedures.

• Seizures: Chronic health issue, claims stress (especially financial) and substance use are significant triggers.

  • [26:07] "How I have to worry about not waking up in the morning because I have seizures." – Raven

• Support System:

  • Long-term boyfriend who is frustrated by Raven's finances and her borrowing from family/friends, now helping cover car repairs.
  • Owes uncle $2,500 for used car from her grandmother ("nanny"), has been repaying for 3 years in small installments ($50/mo currently, down from $300; may take seven years to pay off at current rate).
  • [68:12] "Why did you just borrow from family for everything? Why can't you do anything on your own?" – Caleb

Relationship & Living Situation

• Does not share finances with boyfriend, but her issues are increasingly impacting him (e.g. car repair on his credit, more expensive apartment).
• Apartment Rent: Splits $2,400/mo rent—Raven pays $1,400, boyfriend $1,000 due to her preference for the nicer apartment.
  • [37:22] "You're making him do all these things." – Caleb

Business Barriers & Income Growth

• Client Retention/Marketing: Lost clients due to moving, deaths, and personal conflicts. Struggling to refill book; lacks budget/energy for advertising. Mostly relies on referrals and discounted services for client growth.
  • [40:14] "Yes, but not if you can't bring in new clients." – Caleb
• Overhead: Studio rent is $1,000/month, supplies vary ($50–100/mo, but often spikes higher).

Budget, Emergency Fund & Financial “Score”

• Budgeting Tools: Disregards budgeting apps as “too expensive” yet spends more on vices weekly than their subscription fee; does not actively budget.
• Savings & Emergency Fund: Has none; in host's scoring system, rates a 0/10 in all financial pillars (budget, debt, savings, retirement, real estate).

Host’s Proposed Plan & Closing Advice

• Immediate Steps:

  • Eliminate all non-essential spending and vices until boyfriend and uncle are paid back.
  • Save $4,000 for debt settlement as soon as possible (~1 year at current margins).
  • Maintain $600/mo to National Debt Relief; avoid bankruptcy unless her behavior changes and no other path exists.
  • Find ways to increase business income (referrals, direct outreach, perhaps supplemental low-skill job).

• Outlook:

  • With strict discipline, Hammer suggests Raven could be debt-free (except for possible national debt payment plan) in 3—3.5 years, and finally able to build real savings and investments.
    • [87:07] "Fully funded emergency fund debt free outside of your minimums to national debt will be three and a half years. And that's not bad." – Caleb

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Notable Quotes & Memorable Moments

• On Personal Responsibility:

  • [16:41] Caleb: "You still did. And you're blaming the system not yourself. That's called personal responsibility."

• Self-Mockery and Deflection:

  • [81:12] Raven: "Are they sending you the right ones? Are they sending you the... what? Big ones?"
  • [61:09] Caleb: "What else did you use your loan on?"
  • [61:10] Raven: "Probably tattoos."

• On Coping vices:

  • [24:44] Raven (on wine): “It's a $4 box, and I can get it to last one to two weeks. Weed, it’s about $40 a week...”
  • [25:49] Raven: "I want to get out of debt, but those are the things helping me cope. Life sucks."
  • [72:10] Raven: "The second something stressful comes up, it's the first thing an addictive mind thinks of."

• On Medical Debt and Health:

  • [26:07] Raven: "How I have to worry about not waking up in the morning because I have seizures."

• On Relationship Impact:

  • [37:22] Caleb: "You're making him do all these things."

• On Income and Budgeting:

  • [87:01] Caleb: "You have money left over, so you can't tell me I have money left over. You have money left over. That's after you set them side 30% for taxes, by the way. You have $406 left over."

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Timestamps for Major Segments

• 00:00–01:05 – Host intro, tension, accusations of irresponsibility
• 01:12–03:32 – Raven’s professional background, income sources, tax issues
• 09:28–13:57 – Lawsuits, debt situation, living choices, lifestyle
• 16:16–19:49 – Systemic blame vs personal responsibility, relationship with boyfriend
• 20:36–24:55 – Debt consolidation, spending on vices, minimization of issues
• 26:07–27:58 – Medical history, seizures, and emotional toll
• 33:26–34:37 – Cigarette incident, confrontation, and fallout
• 37:22–40:14 – Relationship finances, rent split, impact on boyfriend
• 40:14–43:26 – Marketing struggles, client retention, entrepreneurship vs. employment
• 47:28–50:00 – National Debt Relief, settlements, breakdown of debt spiral
• 54:36–61:00 – Credit decisions, rationale, missed budgeting opportunities
• 67:44–69:57 – Family borrowing, repayments to uncle, family dynamics
• 73:13–76:48 – Medical debt, seizure-related bills, debt prioritization
• 79:24–81:41 – Impulse spending (Polly Pockets), argument over what qualifies as “needs”
• 87:01–88:41 – Budget calculation, possibility of climbing out of debt without bankruptcy
• 88:41–End – Host scoring, post-show teaser to call the boyfriend

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Tone/Style Observations

• Language: Blunt, profane, and sardonic.
• Dynamic: Adversarial but with moments of candor; the host pushes hard for accountability, the guest oscillates between defensiveness, self-deprecation, and minor admissions of fault.
• Memorable Moment: Raven attempting to light a cigarette on set, leading to a near meltdown ([31:45]).

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Summary

Raven’s financial spiral is driven by a blend of low-moderate income, inability to budget or plan for taxes, compulsive spending on addictions and non-essentials, and reliance on debt and bailouts from loved ones. She frequently deflects responsibility, blaming external systems as much as her own choices, and resists making meaningful sacrifices—despite mounting pressure from her boyfriend and family. Host Caleb Hammer provides tough love, clear math, and a path forward, but ultimate success hinges on whether Raven will move from rationalizing her behaviors to truly changing them.

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For Listeners

Whether you’re struggling with similar issues or just want to avoid these financial pitfalls, this episode serves as a cautionary tale on the dangers of avoidance, addictive spending, and the necessity of personal responsibility in financial life.

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End of Summary

Transcript

[A]

You're getting sued one of my credit cards that I haven't been able to settle on. They are threatening to take me to court.

[B]

Well, maybe be more responsible and not a complete dumbass.

[A]

You'd be more responsible.

[B]

Go yourself. You're just a child.

[A]

I just think you need to shut the up.

[B]

Yeah, but your entire excuse that the banking system's a scam isn't what you you swiped. You chose to much more valid. I chose to do it. That's called personal responsibility.

[A]

Is their fault.

[B]

No 100% is yours. This is not a question. We're not doing this. Pick her up. I'm done. I'm not film. I just launched the brand new Hammer Elite app. Available on every major platform. To celebrate the app launch, I'm offering 30 off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog. And my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join. And that's a promise.

[A]

Hi, I'm Raven. I'm 31. I'm from Denver, Colorado. And this is Financial Audit.

[B]

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

[A]

I do a couple things. I own my own business. I'm an esthetician, so I mainly do eyelash extensions. And then I have a side gig doing frosting over at a bakery.

[B]

Okay, so you can't like help with my skincare because that's what I thought esthetician was.

[A]

It is esthetician.

[B]

Eyelashes.

[A]

I mostly do eyelashes. Eyelashes. It's my. My scope of practice. But I do help people with skin care.

[B]

Women do eyelash, so I mean, it works. People pay for that. I hope you're making money because Denver. Expensive?

[A]

Very.

[B]

Not a cheap city by any means.

[A]

God, no.

[B]

So that second one sounds like a more stable source of income. Let's talk about that first. What do you make in that position? This. What did you say you're like decorating cakes?

[A]

I'm a froster at a bakery, so I don't necessarily decorate. I literally just put frosting on cake.

[B]

Okay. I assume that's load paid because that's low skilled. Everyone can do that.

[A]

Yeah, pretty much.

[B]

What do you make?

[A]

$18 an hour?

[B]

Yeah, and in Denver, that's not gonna stretch very much. How many hours a week are you Frosting.

[A]

I do, like, five days a week, and I get, like, 30 hours doing that. So every paycheck, I get like 750 on average.

[B]

What's every paycheck? Every two weeks. Every week?

[A]

Yes, every two weeks.

[B]

750.

[A]

Yeah.

[B]

750 is 1,000 bucks. You're not gonna fuck. Thousand five hundred bucks. You are not surviving off of that. Please, please tell me this esthetician money, because that's nothing.

[A]

I mean, helps pay the bills.

[B]

It could help pay the bills. Making $5. It could help pay the bills. Making 5,000. How much does it actually help pay the bills? What do you make?

[A]

Total average is 5,000amonth with my eyelash business.

[B]

Okay, so your eyelash business substantially makes more.

[A]

Yeah, I make about.

[B]

Even close.

[A]

I make about 3,000amonth on doing eyelashes.

[B]

And then it brings you to like, 4,500. But yeah.

[A]

Well, I was doing. Yeah, that sucks. I was doordash for a minute, and then my car broke down. So that's a whole separate situation.

[B]

Esthetician thing. Are you. So you are your own business, right? You're not a contractor, you're not an employee?

[A]

No, I own my own little studio. Okay, doing that. So.

[B]

So you're setting 30 aside for taxes. Okay, because that's the thing. Well, in the world where everyone pays their taxes, yes.

[A]

Well, I mean, I don't really have the money because, like, one of the credit cards.

[B]

Yes, you do. You made $3,000. That's how you then 30% aside for taxes. Fun fact. If you make $0, you're right. You have no money to set aside for taxes. But you wouldn't need to. But when you actually make money and you need to set aside money for taxes, yes, you do have the money because you made that money to set it aside.

[A]

I owe as much as I do in bills.

[B]

Doesn't matter. The money came in is the money that needs to be set aside for taxes.

[A]

That is the money is keeping my roof over my head. So, yes, in theory, I should be setting aside 30% for taxes.

[B]

Yeah, until the IRS comes after you. They're the ones with the guns, by the way.

[A]

Paying payment plans on my current tax.

[B]

Previous taxes. Previous, not future setting aside as for future, not previous.

[A]

Yeah, but I owe freaking $1200.

[B]

How long have you been doing this? You should be filing estimated quarterlies anyway. You'll get penalties.

[A]

Quarterly is if I had the money to give them. Quarterly.

[B]

Do you set aside money for taxes?

[A]

You keep saying set aside like I have extra money to set aside.

[B]

You do because the only reason you would ever set aside money for taxes is because money came in or else you wouldn't have to set aside taxes. So you objectively do you just put 30% aside.

[A]

When I have crew credit cards that are 1, 11 being paid off, the other one's trying to sue me so

[B]

I maybe be more responsible and not a complete dumbbe.

[A]

More responsible. Says the guy with money forgot where you came from. Like where I came from.

[B]

Responsible is how I got where I got to.

[A]

You're always just over explaining. Bullshit. You don't over explaining.

[B]

Is it over explaining setting aside? If you make money and you're supposed to set aside money for taxes, that seems like an under explained if anything.

[A]

No, because it's like shit that I already butt know clearly.

[B]

Okay, but you're not doing it. So you're being irresponsible. That's why I said that word.

[A]

Sure, sure. I guess it all happened from being irresponsible. Sure. But you're saying, oh, you just set aside. I've already done the damage, so I do not have the 30% I've been running my business for.

[B]

Already done the damage. You're doing the damage. If you're not setting it aside, you're doing the damage in the future. That's not damage that has been done. It is doing the damage now for future you.

[A]

In about a year in your head it seems so easier just to like oh, it's making 3,000 comes in, you

[B]

set it aside, you have to pay taxes.

[A]

As it's not an option comes in. It goes to the bills, it's going to the tax.

[B]

But the IRS isn't a choice. A credit card is kind of more of a choice because it can go to collections. The IRS is not.

[A]

The IRS is getting paid. It's not like they're going to come knock down my door.

[B]

And I know, but you're putting yourself further and further on hold because more and more is having to be due because you're getting penalties due to the not filing of the quarterlies. And now you're on payment plans which accrues interest along the way.

[A]

Yes, of course, but so you're making

[B]

it even harder to do it in the future, which is just making them more money in the end, which isn't even being used effectively anyway.

[A]

Sure, sure, but the whole already happened, so write this down.

[B]

No, it's not. We're digging right now. I don't think you understand that. And why do you talk like Kamala Harris? How do you sound like her?

[A]

How do you sound like Kamala? That is like you're dealing with.

[B]

We did it. We did it.

[A]

Joe, I've been called a lot of things, but not sometimes.

[B]

Not right now, but every once in a while you go into Kamala.

[A]

Now I don't even know how she talks. I don't listen to her. So now I'm going to be super self conscious.

[B]

I don't know. This is. It comes out every once in a while. You hear it in your nasal. When you don't like, like use your nose at all. You're just like.

[A]

The nose is stuffed up. Clearly on purpose. I got this big in there. So I'm.

[B]

Who likes to believe?

[A]

Well, I have asthma, so I guess really helping yourself breathe.

[B]

Okay, so you said 900 also.

[A]

Wait, wait, wait. You called me racist?

[B]

Yeah.

[A]

Why don't you called me? Yeah, well, I'm gonna. You asked me. I'm here for. I'm here for you.

[B]

Yeah, I think I made a joke when you were talking about Kamala. Sure, but go ahead.

[A]

I'm the one that's racist. I feel like you have like two black people that work here. How am I the racist three?

[B]

We've upgraded.

[A]

Son of a bitch. You got me there.

[B]

Yeah. Plus like every Mexican ever invented.

[A]

I wasn't paying attention to how many Mexicans you have working here. Because I'm not the racist one.

[B]

Oh, I don't know. I just. I look in, I smell tacos and I'm very happy. It's very good. The moment Mark jumped the wall, he ran to the studio. That's what happens. Every day I collect a new one. It's great.

[A]

Are they on leashes? Are they free ranged? Are your Mexican. Why are you so racist or are they free range?

[B]

Why are you so racist? I would never think like that. I would never be so pathetically anti mark and correct.

[A]

You said they crossed the border and ran right over that. I feel like it's on the same

[B]

par as you're carrying things. What joke are you talking about? You're talking about putting them in chains.

[A]

No, I taught you if you put them on leashes, you can flip it all you want.

[B]

Yeah, but why is that in your head, you freak? Okay, so 3600amonth is actually what you make after you set 900 aside for taxes because you actually need to. And that's how we're kind of budgeting any responsible area. Someone messaged she can put me in a chain. I just don't know if that is Brandon, Lindsay or Mark. It seems to Be Mark. Mark wants you.

[A]

I am.

[B]

He is actually into the. Oh, he just gave a big face palm when you said you were taken. He's very. He's into the emo. Emo? Baddies wouldn't define as a baddie, but emo for sure.

[A]

People are wrong. So it's okay.

[B]

Huh?

[A]

I said you're wrong for saying I'm not a baddie. Took me hours to do this makeup

[B]

flap what was actually.

[A]

Well, I could have gotten some fake titties, but I guess you don't like that. So it doesn't matter how big my titties are.

[B]

Why are you doing it for me? I set up a table,

[A]

homie. It's like you don't even listen. God damn.

[B]

Okay, amazing rebuttal. So what do you do? What is the issues that we are dealing with here? What is going on? Obviously, in taxes. Obviously. Like you said. I think I heard sued. You're getting sued?

[A]

Yeah, One of my credit cards that I haven't been able to settle on. They are threatening to take me to court for it because I have not

[B]

been able to take their money. You didn't pay for it. You borrowed. Your fault.

[A]

That's fine. But they won't take the money that I could pay them every month. So instead they just decided that they don't want any money at all and that they're going to try to take me to court.

[B]

Well, yeah. So they can get the money.

[A]

Yeah, but if I. If they can't pay the money now, how does taking me to court get them money?

[B]

Well, court could have a variety of options. Who knows, potentially, payment plans, forcing you, maybe selling some kind of assets. Who even knows?

[A]

It depends.

[B]

The court will determine.

[A]

Look, my lifestyle has been a little hectic. Okay?

[B]

What's your lifestyle?

[A]

I mean, I guess you can kind of tell I love getting tattoos. I don't want to stop getting tattoos. I'm also fake. A little different.

[B]

You're what?

[A]

My knuckles say fake goth. I don't really call myself emo.

[B]

I don't give a what you call yourself. We all see you all.

[A]

Labels are bullshit. Sure.

[B]

Except you're clearly easy to label. But sure.

[A]

I mean, isn't everybody?

[B]

Yes, that's why I'm labeling everyone constantly with overly stereotypical things.

[A]

So, yes, if they take me to court, you said that there's things that could happen. I'll just have to file for bankruptcy because I don't have that money.

[B]

Maybe, but that's also a court process in general.

[A]

I know. And it's expensive and it's bullshit and something I'm very much trying to avoid, as in just a lot of work, and it's just annoying. I'm not saying it's a bad option for everybody, but it is something I'm trying to avoid. I do not want to do bankruptcy because I don't feel like I failed.

[B]

Then pay your debt. I don't know. You make money, go get a better job.

[A]

Not trying to pay my debt, maybe.

[B]

I don't know. I don't think you're doing very well at that $18 an hour thing. Maybe you should actually go get a better job.

[A]

Followed by my schedule with the lashes. I have my schedule open from 8am to 8pm and I let my.

[B]

How many hours a month are you doing lashes?

[A]

Like 32. Like, I would say, like each week I would do. Yeah, I'm trying to. Trying to figure it out. Bitch. Give me a second. Clearly, numbers aren't my strong suit, so I would say at least 20 to 38 hours a week, and that's including me lashing. I do facial waxing. So I do a couple other things, and that also includes me ordering, getting lashes made. There's a lot more to the process.

[B]

Okay, well, you're making 30 bucks an hour doing that. I do like that. For what it's worth. That's. That's not a bad wage. But it is very difficult when people are not used to the W2 system to set aside money for taxes properly. And obviously that has bitten you in the butt.

[A]

Yeah, I up the first year, and that kind of tumbled. Rolled everything when it came to.

[B]

When was that? When was your first year?

[A]

A couple of years ago. When I moved out of the studio I was in, it was like a regular last job, and they were paying me like, 12 doll an hour as a lead.

[B]

That's fine.

[A]

No, as a lead esthetician, you chose to leave.

[B]

I don't know. They. You.

[A]

I chose to leave.

[B]

The market demanded what the market demanded. You clearly thought you could make more, and then you did, so it worked.

[A]

But, yeah, so I left. I opened my own studio, and that was about three years ago.

[B]

Oh, so you're making $30 an hour, but you have overhead.

[A]

Yeah, I pay for my studio.

[B]

What's your studio cost?

[A]

A thousand a month.

[B]

Dick's sake. And then you have to get the supplies as well.

[A]

That's the cheapest thing.

[B]

But then you have to get supplies as well, correct?

[A]

Supplies. I'm a one person, so when it comes to supplies, it absolutely changes it because I don't have to buy as much.

[B]

Okay. But you have to get the lashes.

[A]

And sometimes it's $50 a month and sometimes it's a hundred dollars a month.

[B]

Let's call it a hundred.

[A]

No, yeah, no, I'm the. It's like you don't even listen. Like, give me a second what I'm saying.

[B]

Well, I already got to the conclusion of what the information I needed is though. I don't need you to continue rambling with your nasally ass voice.

[A]

Of course I'm gonna ramble. What the point of me coming on and telling you all my shit if I'm not gonna be able to ramble?

[B]

Okay, so it's $25 or 25 hours a week on average. So now we've gotten down to $19 an hour which again for many places, yes, pretty good. Denver. Yeah, we can stretch it, sure. But when we get to Denver and where we're going to be for a while. Not the best career income I want you to be at because that's what it is after expenses.

[A]

Well, and it's not something that like, like that's my career. Like I plan on making the lashes and I making that work and growing from that, that's fine.

[B]

But $19 an hour isn't going to get you there, especially when you can't pay off your debt. And that's what it's come down to. Before you set any money aside for taxes or anything, which by the way, self employment taxes, having to pay both ends that employers have to take care of and whatnot. Usually. Well now you have to do your half and the employer's half. So it's. So I don't know how you're going to be able pay off the debt, get the risk from off over your head to be actually able to invest your time and energy into doing this. But I know your entire excuse to what you did to the production team. So you're just like, yeah, the banking system's a scam. Yeah, the banking systems scam. Medical systems a scam which I don't even know the context of that I'm sure there will be banking systems, Banking scam, systems, a scam. What do you mean? You chose to get a debt, you chose to spend on it. When they make it a scam, go yourself. You're just a child.

[A]

And I don't think. I do think that, yes, I signed up for that. I did. But when they, but when I'm on the app at 2 in the morning, US bank and they just let me just let Me just ask for $15,000. They just gave me that for nothing. No background checks. No nothing.

[B]

I'm not saying because it's usually based on payment history and it's also based on what they have in a software soft pole and it also is based on what you say your income is. And many people say their income is more than it is when they ask

[A]

for and okay, well they deemed you as being able to pay it. I had them started at 5,000 and I get that that's what they do because they want to you but then they kept raising even though I had money on those.

[B]

Who cares You. It's not care clearly what it is not their fault that you went and spent to whatever they raised it to though.

[A]

I just think you need to shut the up. Honestly, I'm trying to explain that they took my five, turned it into 10 and then turned those both into 15. So all of a sudden I have $30,000 in credit. I'm not saying I didn't sign up for those.

[B]

You didn't have to spend it though.

[A]

But they gave me. They just gave me.

[B]

So what's the issue if you don't

[A]

spend it, it makes you feel like you have money. That's their point. That's why they do it. It makes you feel like you have

[B]

not have credit cards. Which that means you're not a credit

[A]

commando then that one large yes.

[B]

If you are not able to handle a situation, don't put yourself in those situations.

[A]

I can be more educated in the future to eventually be able to get a credit card. I'm not disagreeing.

[B]

Yeah but your entire excuse that the banking system's a scam isn't what you you swiped.

[A]

You chose to it's still I believe was maybe if it's only like 25%, 50% they had a hand and me over.

[B]

So the banking system's a scam because they raised the limit on your car.

[A]

Yeah, because that's it.

[B]

That's all we got.

[A]

You're gonna spend it and they want you to and they want you to own debt and they want you to spend all that money.

[B]

Of course they do. But you still chose to do it. But there is much more value to do it.

[A]

Like no shit. You said that like 12 times. I did.

[B]

You still did. And you're blaming the system not yourself. That's called personal responsibility.

[A]

Is their fault.

[B]

No 100% is yours.

[A]

No, they have that open that they just give anybody. That's bullshit. I spent a sure.

[B]

Anybody. They don't do anybody I have people on here that aren't getting those.

[A]

Well, I had good credit at the time.

[B]

Yes, exactly. So you were deemed a lower risk individual. Now you're likely not.

[A]

Oh yeah, no one gonna give me shit right now.

[B]

And I know your boyfriend disagrees about your perspective on this. Oh yeah, You've been together for a while. Maybe there's marriage in the future, but not when he's with a who has no personal responsibility in her life. Is it a her? I'm not even sure. I bet you're that.

[A]

What does everyone think? Are you that lesbian?

[B]

What?

[A]

Everyone thinks I'm a lesbian.

[B]

Her.

[A]

Oh, I thought you said her as in the person I'm dating. Everyone thinks I'm a guy and. Did you ask my pronouns? Jesus Christ. I'm a woman. Sorry. I look like a woman. I get mad when people ask me my pronouns because I feel like I

[B]

look like a woman. I thought maybe you'd have like extra, you know, curiosities and whatnot and the world of gender.

[A]

Not that I'm against that.

[B]

No, I said gender. I didn't say sex. I mean, maybe you're like.

[A]

No, I know I misheard that and I apologize.

[B]

Are you sure I'm the one that doesn't listen?

[A]

At least I can admit that I misheard you. Okay, sure. And let you finish.

[B]

Very good. So you're with him.

[A]

God damn.

[B]

How much do you smoke?

[A]

Oh, God, I wish. No, just cigarettes. Sit. The teeth.

[B]

Yes.

[A]

Yeah, that's always the teeth.

[B]

Yeah. What's up?

[A]

Why are they fucked? Stains, cigarettes, wine, coffee, tea, all that.

[B]

Okay. I mean, I don't have like perfect teeth either, but like it's.

[A]

Oh, do. I don't have the money to fix them. It's on the list.

[B]

Yeah, that's fine. But yeah, you know, you really didn't you.

[A]

Yes, I did. And I don't have time this year. This year is the fixing my brain year. And next year you can wear like

[B]

whitening strips, but either way you probably

[A]

can't afford that fillings. So these are stains on fillings. You have to get them.

[B]

Those are all fillings? Your entire teeth are fillings?

[A]

Pretty much.

[B]

That's kind of wild. Okay, so you got sent here from your boyfriend who introduced you to the show into the application and all that good stuff. Makes sense. So what the you guys vehemently disagree on? Well, he doesn't like your perspective. Essentially, no. But yeah, you're not changing anything. Even in this conversation. You haven't been willing to take personal responsibility. So I'm not surprised.

[A]

And I'll get that. I get that a little bit, my

[B]

brother here, because you guys were sitting down watching, and you said, oh, I'm not as bad as these people.

[A]

Yes.

[B]

Yes, you are. Do you hear yourself yet?

[A]

And that's why I'm here. So I started watching this show and it started making me feel better. And then I realized, of course, because, dog, some of the people on here still make me feel better.

[B]

You are that person.

[A]

That's why I'm here. Literally, no joke. I literally watched it. If you would just let me finish at first.

[B]

I never let a woman finish, but go ahead and try.

[A]

We know. But after that, after I was still watching for a few months, that's when I realized I still had bad. I thought I was doing steps to get my stuff better. And according to a year ago, I absolutely have. But after continuing to watch, I realized that I'm just as bad as these guys.

[B]

Oh, good. You figured it out. Calebheimer.com Apply by the way. Feel free to. Come on. That was a plug. It wasn't a joke. We want applicants.

[A]

That's a point. It was like a dumb laugh. Can't even take a joke. Jesus Christ.

[B]

That's a joke. You making a noise as a joke. Wow me. Okay, this is brutal. You're obnoxious. Okay, so I'm glad he sent you here. I'm glad you realized you're as. As everybody else. Why weren't you paying just your minimums before to at least allow them to not go to collections and everything before they did. And now with the lawsuit and everything, why weren't you at least just paying the minimums? What the is wrong with you?

[A]

So I was. And then I signed up for national debt relief last year, and they told me to stop making those minimum payments, so they. Because I needed to show hardship, so I had to stop doing all my card payments and that loan payment. So I did for a second feel like I had a little bit more money because I have. I have my Wednesday. I like to go out with my friend and go antiquing. You have to.

[B]

You don't have to, though. You like to.

[A]

Yeah, I pay your debt now.

[B]

Drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your pay, get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y Refi. Head to yrefi.com hammer that is yrefy.com hammer or call 888 yrefi78 that is 888-Y Refi 78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one, ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you, for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. Dollarwise.com, link in the description below.

[A]

And then as I was starting national debt relief after about six to eight months, started taking on those debts to be able to consolidate. So I started paying them. It went from $1,200 a month to $500 a month. So there was another period where it did feel like I had a little bit more money. And, yes, I was still indulging in my going around. Mostly in the thrift stores. Antique.

[B]

What the is this? Why are you so obsessed?

[A]

So antique stores now sell retro games and shit? Like, antique stores aren't even antique these days. They're trying to appeal to millennials and shit by putting Tamagotchis and shit in there.

[B]

Okay, well, are you actually willing to sacrifice some of the things that make you happy? That's the thing that we're thinking about through the end of this conversation.

[A]

And that and I, you know, drifting.

[B]

There are your wine. You mentioned wine. I do enjoy weed.

[A]

I bet you're stinky.

[B]

Okay, there you are.

[A]

I did not smoke weed, as illegal here. I do smell like cigarette, and I do apologize for that.

[B]

I said you're stinky. Yes. So just trying to defend myself, actually smoking stuff. Okay. Weed, cigarettes, wine, thrifting.

[A]

We all have vices.

[B]

Sure, we have vices. Not everyone's drains their entire budgets, though. Yours do. Those are all very expensive things. Thrifting's not cheap. Wine's not cheap. Cigarettes not cheap.

[A]

Dude, I can go into a thrift store and find a $2 Polly Pocket. Okay, that's a good one.

[B]

Fine. Let's call that one. The other three are cheap.

[A]

Depends on the antique store. Some stuff.

[B]

The other three. Cigarettes, wine, weed, not cheap. I buy boxes. What are you willing to sacrifice?

[A]

I buy boxed wine.

[B]

Are you willing to cut.

[A]

$17 is cheap as shit.

[B]

For how often?

[A]

It's a $4 box, and I can get it to last one to two weeks. Weed, it's about $40 a week, so I can see that.

[B]

Add that to cigarettes.

[A]

Well. And it's.

[B]

It's not add cigarettes.

[A]

Have you ever had an. Have you ever had an addiction?

[B]

It's not about that. We're talking the number right now, not the addiction.

[A]

Like a pack a week. Like a pack a week.

[B]

And how much does that cost? That's lower than many people.

[A]

Because I've quit, like 12 times.

[B]

Well, then you've never quit.

[A]

Bullshit. You cannot take that away from me.

[B]

Are you smoking right now?

[A]

Yeah. Cause I'm.

[B]

Then I don't. Then shut the upper. So cigarettes, even if a little cheap, huh?

[A]

Someone's never had an addiction.

[B]

We all have our own little addictions, but no, nothing is as intense as nicotine. With me, you're absolutely correct. But it doesn't mean that other people haven't quit. You're not quitting. You haven't quit. You're not quitting. You are smoking now. A pack a week is kind of light in terms of the cigarette smokers. But that. And with the weed and even with the box wine. It stacks. It stacks. It stacks. And it becomes even more expensive. Yeah. Are you willing to at least give up some stuff to make it the out of debt to get to a better place?

[A]

I want to get out of debt, but those are the things helping me cope. Life sucks.

[B]

Well, life doesn't have to suck. You can figure out good things. You have.

[A]

Life doesn't have to suck.

[B]

You have a boyfriend of 10 years.

[A]

There's many things and I love him. And that is the best part about my life.

[B]

Were you going to say that's privilege, that life doesn't have to suck?

[A]

Yes. How I have to worry about not waking up in the morning because I have seizures.

[B]

Okay, that isn't.

[A]

And that means that I have to go to the hospital.

[B]

How does that equal. Life always sucks, though? Like people.

[A]

How does that mean? It's dumb. I have to go to the hospital.

[B]

I'm sorry. If life is a thousand dollars, I don't want to advocate for. But if the entire philosophy is life sucks, why do life.

[A]

Because killing yourself sucks. That seems like a interesting way to why don't you kill yourself? Kind of thing.

[B]

I. Again, I just said I don't advocate for it. But if your entire philosophy is life is absolute shit, then why do it?

[A]

I don't think it always has to suck, but when you're in.

[B]

That's what I just said when you said that was privilege.

[A]

It is. Because you don't. Because you don't have bad shit going on. You don't have.

[B]

We all have bad shit going on.

[A]

Okay, I'll take that. But you don't have addictions going on. You don't have shit. Mentally or.

[B]

Yes, I do have a panic disorder. Yes, I do.

[A]

Yes. I'm just. That's what I'm saying. If you have medical shit going on, how can you be like, oh, life doesn't need to ever suck.

[B]

I do.

[A]

Life does suck sometime. Saying that life does.

[B]

No, there are shitty things in life, but life doesn't have to in general, as a broad philosophy, suck. Because then what's the point of doing anything? What's the point of waking up? What is the point of sacrificing if life is just trash? Shit, suck. What's the point of anything, huh?

[A]

It's a bad way to look at it. Life can suck, but you don't have to like give up on it. God damn.

[B]

Well, what's the point? If life sucks, then that's what's challenging about your mindset on this world.

[A]

Get out of the life being sucks.

[B]

Exactly. Because what is the point of anything that we're about to have to do?

[A]

Fix it so life doesn't suck.

[B]

So the only reason life sucks is because of this. If it wasn't for this, life wouldn't suck.

[A]

If it wasn't for this, life would suck a lot less.

[B]

Okay, well, there we go.

[A]

That's what caused me to have seizures.

[B]

Well, that. Okay, then why were you never paying anything and still swiping up more? Yes. Once you went to the debt consolidate national debt relief. Yes. But even before you were still swiping, making it even worse and worse. So you were making what causes your seizures worse on your own. No one forced you to. And you're the one that makes a day out of all that stuff we were talking about anyway. I'm being told you make a day out of it. You go shopping with a friend, then you go drinking and then you go to the weed shop and then back to the bar and you smoke at the bar. And it's just like you're the one that's always doing that. You're saying that life sucks. Well, your coping mechanisms are all that bad shit that just makes life even worse and worse and worse. Those endless addictions that you're just continuing make life suck more. And then you have to do them to continue. That's you. That's on you, dude. I'm not saying it's easy to quit. No one is advocating that. But your continuing down the path of things that are bad makes life suck. And if you don't do them, life sucks even worse. So you've done that. Take some personal responsibility on anything.

[A]

Taking personal responsibility. That's what I'm trying to do.

[B]

You have seizures, but you just drink all day. You have seizures, but you don't go to the bar. But you smoke cigarettes. I don't think cigarettes are good for people with seizures.

[A]

Well, they're not good for anything, but my neurologist did not say it was going to cause me seizures.

[B]

I don't think it's beneficial.

[A]

Neurologist doesn't say it's something that's going to cause seizures.

[B]

Okay, so cigarettes and alcohol can make seizures worse.

[A]

Alcohol can. My neurologist said nothing about nicotine and they know I'm smoking.

[B]

Not nicotine specifically, but cigarettes.

[A]

They know I'm smoking cigarettes. Cigarettes. Not that stupid.

[B]

Maybe it's because you're a little lower or they just know you're struggling or. I don't know, maybe they don't want you to.

[A]

Quitting cigarettes can make you have a seizure.

[B]

Hard quip, maybe hard quit instead of like a Wayne.

[A]

Yeah, like.

[B]

Well, still, I mean, a hard withdrawal from alcohol is one of the worst you can do. Yeah, so I'm sure. I'm sure. Yeah. So I'm sure that would be too. There's probably actual beneficial ways to work with an expert and get off of it that it doesn't mean we just continue this lifestyle though.

[A]

I get you. I understand. It's just a little hard when the only you know, said it's easy.

[B]

I'm not sitting here saying it's easy.

[A]

It's just nice to be able to go out and have a little bit of fun, even if it's not the bar. I usually try not to.

[B]

If you. You were literally complaining about not being able to set aside money for taxes, go yourself. You're saying, but you can go have fun. And these are not cheap vices. If you're going out to the bar, you're ripping and you're buying drinks, you're doing all this shit and you're thrifting in between. You can't tell me you can't set aside money for taxes. You can't tell me you can't pay your minimums now. You can't tell me you can't start making progress on some of these debts. You can't say that you're choosing not to because you want to have fun.

[A]

Get me through the depression of being through that.

[B]

But the depression, you said the reason life is such a struggle is because your finances are rough. So sacrifice. Stop having. Having fun for a moment. Make your finances better. Then have fun and be less. Finances are better.

[A]

The amount I spend philosophy when it comes to these little vices is not going to make a dent.

[B]

Actually it does. Any dollar does. Anything you can pay above minimums do. Any money you can set aside for your estimates do. Because then you have that ready to

[A]

pay for estimates when it comes to the cigarettes. They get me. They don't. They get rid of this large purchases.

[B]

You spent 2,443. We'll see where that goes to see

[A]

where the that is. Because there's absolutely.

[B]

What I just said. We'll see where that goes in that.

[A]

If Amazon's in that. That's all for work. That's work expenses. So if you put Amazon in there.

[B]

Usually Amazon's in miscellaneous, but we'll see. I mean, if it was like multi hundreds in one purchase, that might qualify in there. I don't know.

[A]

I just don't.

[B]

But you'll go into the negative. I'm being told just to go thrifting. Even just going negative to put in gas to go thrift.

[A]

When have I gone into the negatives? First Thrifting on the way to going thrifting.

[B]

Filling up your tank.

[A]

I mean, I guess you have to do. I guess so. I guess so.

[B]

No, no, no. This is not a question. We're not doing this. No, that is not an option. I want to be clear. I want to be clear. We are not smelling cigarettes in here. We're not. No, no. Are you serious? Will you stop? No, this is not a thing. No, no, no, no. Okay, kick her out. I'm done. I'm not filming. I'm not filming her cigarettes. This is. That's gonna smell so bad. She's lighting up in a building. This is gonna make the whole place smell like shit. What the wrong with her? No, kick her the fuck outside. Get. Kick her outside. I'm not dealing with this shit. What the is wrong with her? We're 30 minutes to in. Oh, I hate this piece of shit. This bitch. One eternity latel I just. You're annoying. You really are. Just.

[A]

Sorry, I need to ziggy.

[B]

What's wrong with you? I'm just so confused. How often do you have to rip. That's so expensive. And it's really nasty because it's just gonna make everything smell like shit in here.

[A]

I only smoke half at a time. I try to conserve half. Yeah, let me smell caffeine and then

[B]

you save it for later.

[A]

Yeah, some people don't like refries, but I'm not a little bitch about. We gotta remove the voicemails. Okay.

[B]

You're shaking. You're weird, man.

[A]

Oh, I have anxiety. Just shake normal.

[B]

Okay. You probably shouldn't be sucking down a Red Bull.

[A]

Yeah, my neurologist probably agrees.

[B]

So I'm confused. If you're not willing to sacrifice any of that shit that just brings you that instant pleasure that is obviously preventing you from getting out of the thing that is causing you this overall stress. What the are we even doing? What the are we even doing? This is pathetic.

[A]

If I cut out one, would that make it better?

[B]

Any. It's not a question. You're spending a Ton of money on everything. It's horrendous. Okay, so this guy, is he just not willing to marry you until you get the under control? Because that would be. That would actually be pretty fair.

[A]

We. We've always been pre. People that don't really care about like marriage or kids or anything like that.

[B]

I mean, you've been again together for 10 years. Yeah. Please don't bring kids into this world.

[A]

You can't.

[B]

You'll be drinking and ripping while pregnant.

[A]

I don't want kids. But how dare you insinuate I would ever do that. No, you're not me and my boyfriend

[B]

now, so I don't. Okay. You and your boyfriend.

[A]

Me and my boyfriend been dating for like 10 years. We do not care about marriage. If something happened to where it would be financially beneficial or something comes up, then.

[B]

Well, it would be financially beneficial.

[A]

Not now.

[B]

Yes, it would. Tax wise. Absolutely. Even legal benefits with automatic. What?

[A]

We're just not really into the whole marriage.

[B]

Well, that's fine. But even just the legal contract for extra protections and whatnot. Like, let's just say, I mean, you look like someone that commits a lot of crimes. Probably was someone who commits a lot of crimes. You wouldn't be forced to testify.

[A]

We don't commit crimes. I don't think that's ever gonna happen.

[B]

Okay. You don't pay your taxes. Kind of against the law.

[A]

I am literally currently paying my tax.

[B]

Okay. Except not because you get paid a lot in cash and you are not claiming that.

[A]

I am absolutely claiming cash. I write down every single bullshit you

[B]

told Colton that you think cash doesn't even exist. Is that real money? It's girl math.

[A]

Yes. But people hand me that money, I put it in my. My documents that I got that money. And then it goes in the wallet and it does feel like it doesn't exist. I'm sorry. Cash just feels like different. It's not, but it's.

[B]

How do you manage it?

[A]

What do you do different with it in the wallet? And I use no.

[B]

So you immediately just spend it. It's just gone?

[A]

Yeah. Usually it gets spent on dumb shit on my cash. Fun Wednesdays.

[B]

Your Fun Wednesdays? Different ones. This catch might be even easier. Easier to set aside. Because you can set it aside in that exact moment. Like literally you can. The moment you get it, just set 30% aside.

[A]

It just doesn't feel. It doesn't feel real. Know what I mean? Like when I see kind of.

[B]

I mean, I understand. When I see a balance impacted on like a screen. Yes. It feels More real. But even still, it's easier to even separate money there the moment it's handed to you. And almost at the end of the

[A]

day, it is a mind stupid mindset because it just feels like, oh, this is the fun money I have for this week. And that way I don't have to hit the account. So it's like, oh, I didn't get any money taken out of the account. So it feels like. It just feels different.

[B]

So if you guys aren't going for the marriage, what about the finances of the household? Are you guys ever com gonna combine? Do we have aligned goals? Are we trying to live together for the rest of our lives? Like, what am I trying to do here? Cause again, if he's the one that got you to come on the show, what is the goal with you guys together? I know he's not here. Maybe we'll call him in the post show, but.

[A]

Well, when it comes to, like, our goals, we do plan on being together forever, but we just don't.

[B]

Are you gonna combine finances?

[A]

Nah, we like our separate finances. He's actually pretty upset. Yeah, he's pretty upset that my finances have now kind of gotten over into his because of my car. My car broke down and I was ineligible for credit. So he had to put that on a card just like the other week.

[B]

Okay.

[A]

I'm slowly paying him back.

[B]

Now what? Okay, so now my debt, I mean,

[A]

it gets to his.

[B]

So why are you guys so venomously against it? If you're gonna be together forever, you don't need to be 100% combined. But it is nice to have all the money go into at least one household thing and then separated from there for organization and budgeting.

[A]

He's got his side, like, he pays his side of the bills, like, separately. Like, he sends me money for, like rent.

[B]

Why is he so worried if he doesn't even care other than you owe him money. But why is he worried about your finances?

[A]

Because he cares about me. He wants me to be in a good spot.

[B]

Okay.

[A]

He wants to next time my car breaks down, he'd like to me be able to pay it.

[B]

Okay, but you are impacting things overall more than just that. You made him go for a more expensive apartment. Now he has debt with you and it's an absolute mess. So this is why it's like, separate kinda.

[A]

Yeah.

[B]

You're making him do all these things.

[A]

The reason I had it, the apartment I really liked and I made more than him, I still make a little bit more than him. So I told him If I would pay extra in rent, if he would go move in with the apartment, because we. I really like that apartment. It was so stupid. But it had so many windows.

[B]

Who cares? You owe the IRS and you won't even pay. You weren't that bad.

[A]

I didn't at the time. That was a. That was like four or five years ago.

[B]

We've been in the house that you weren't paying well. You've been in this for five years.

[A]

Yeah, four or five years we've been in this apartment.

[B]

So what's more expensive? What's the monthly rent?

[A]

It's 2,400 for the both of us. I pay 14, she pays a thousand.

[B]

Why? Why do you have an extra 4?

[A]

Because I told him I would pay more if we were able to get this apartment. I chose the apartment.

[B]

What were you making at the time? Even now, this. It's really not good. 14 of that. 36.

[A]

I think I made 70,000 that year.

[B]

Okay, go back to doing whatever that is. What were you doing?

[A]

I just had more clients. Clients are in and out.

[B]

Why'd you go down? Because you're a freak. Because you stink. Because you're nasty, because you're weird to be around.

[A]

Because they have to look at your teeth.

[B]

What's happening?

[A]

I've had a few clients leave because I had to move. Colorado sucks. I had a client die. Well, I know the one client died.

[B]

So we're moving to Colorado, by the way. So it's just like, I feel like people.

[A]

I know so many people.

[B]

Yeah, they died. They're moving. That everything they tell you to just

[A]

get away into like a normal place on Instagram. So I do know they're at the different.

[B]

Strategically posting for you.

[A]

Oh, just for that. That seems way too.

[B]

I mean, I get it, but why can't you replace it if you're getting those clients in the first place? Why are you incapable?

[A]

Slowly.

[B]

I got all five years. I mean, your rent right now is 40% of your take home.

[A]

I got three new clients in the last month. It's just a. It's a slow process. If I don't have the money for marketing, then it makes it hard to market. Like, I can do my Instagram and stuff like that.

[B]

How are you capturing them in the first place?

[A]

A lot of my clients I got from my last job. I had already been seeing clients for a few years, and every time I went someplace, they would follow. So I have a lot of, like, really loyal clients that I've been seeing for last, like, since I started doing eyelashes in 2019.

[B]

Maybe you need to do some shifts at another place and just convince them to come over to you privately.

[A]

They can sue me for that. Yeah.

[B]

Okay, well, we don't want another lawsuit for you.

[A]

Right?

[B]

I mean, listen, maybe they just don't want to be around you, though, Even without the moving. Who wants to come to you? You curb stomp someone at the bar like you're saying you're a freak.

[A]

I got into a small bar fight. I didn't curve stuff. She got my swap.

[B]

I'm just. I'm just saying what I'm told. I don't.

[A]

I don't know. It was my sister. She. We got a little drunk, and she was just more drunk than I thought. You give a little shove and then she calls. Yes, we're fine. We're fine. This was over. This was a few years ago.

[B]

Okay. So, yeah, we need to find a way to capture new clients. I guess, like, you need to bulk up your income because this is 40% of your take home.

[A]

Yeah, Lash is good. Like, if I do really good with my business, that could be. That could be.

[B]

Yes, but not if you can't bring in new clients.

[A]

Yeah, And I'm working on it. It's not just easy.

[B]

Okay, tell me your strategy. You're working on it. What is it? What are you doing?

[A]

I literally. I have my Instagram and I have my cards that I can. Can pass out. The best thing is for current clients to refer. So I do discounts on clients that are referred. I do need to post more when it comes to my business and Instagram, but a lot has happened in the few. Lot has happened recently, so I haven't had time. And I need to be. I want to be able to put out ads, but that cost money.

[B]

You have extra time. I mean, you are working 60 hours a week, potentially 55 to 60. It's a lot. You're working the income you're getting for it. It's not great. But you have time.

[A]

Go out to businesses that are closed and hand them out cards.

[B]

I don't know to do anything. I'm not the king of doing lashes. But you specifically said you don't have time. You do have time.

[A]

I also have to go home and cook food.

[B]

Okay. What are your trad wife. You're cooking food for the. You and the man?

[A]

No, me and my boyfriend both cook.

[B]

Well, there you go. So you don't always have to cook food and you can do meal prepping, meal planning.

[A]

Yeah, okay, whatever. I have to go home and eat God forbid I have to go home.

[B]

Listen. No, no, no. Here's the reality around this. Be an entrepreneur or don't. Entrepreneur doesn't always come with the life of comfort. You do have to make the seasons of sacrifice. Choose that or go get a job where you can go home after your 40 hours. You choose. You don't get to have it both ways. You're complaining. Wah, I don't have time. I have to go home. Wah. Cry poor me. Because you're trying to build your own business. You don't get that.

[A]

You don't understand how much I'm making at a regular last job.

[B]

Maybe you don't have the best career path, but you do need to make a choice. Cause right now it's just complain, complain, complain, complain. Nothing. Nothing.

[A]

I feel like I have every right to complain about.

[B]

Yeah, but you're not willing to do what's actually required.

[A]

I've been busting my ass for the last couple years. I'm sorry that you didn't see the papers from then.

[B]

Do the papers from them even matter? The papers from now is what matters. And even back then you weren't sitting aside money for taxes anyway. Because you are then. Why would you be on payment plans now for previous years? Saving up for previous years.

[A]

Like, like I get. I. I understand where you're coming from and I apologize. I keep getting mad, but you don't understand how much I've come where I've come from since stupid national debt relief kicking my ass. I've been busting my ass. I was working three jobs. I did have doordash in there.

[B]

So what were you making in DoorDash?

[A]

100 to 200 a week.

[B]

Man, I don't know. You're just all over the place. I would rather you just. Honestly, I don't know who the would hire you. But just like get a job in a different field. I can get you a course, career certification and something that actually makes money and the trades and tech and something like that. And you can actually convert that into a six figure paying job. That's what people in the audience have done. I don't know. I feel like you're trying to do this. You're doing this. You're doing this. You're not actually just like focus on something that makes money.

[A]

Well, that's what I wanted to focus on the lash business. That can make me a lot of money. If I can just get more clients and get that study and then I wouldn't have to work the second job and then I can just focus. That's really what I'm trying to do. But when I started all this and I tried doing like actual traditional like Google Ads and it would give me like, give me like two clients. Yeah. In the same way you may not

[B]

have been very good at ads. I mean that's just the thing. It's a whole game.

[A]

Yeah.

[B]

I just launched the brand new Hammer Elite app. Available on every major platform. You'll get three exclusive dedicated shows every single day, Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But it's limited to the first 1,000 people to purchase. For a one time payment of 500, you'll get our entire Hammer Elite catalog for life and a limited edition Hammer for Life box packed with limited edition merch you can't get anywhere else else. Plus, you'll get access to our exclusive 4 hour Hammer Elite Day live stream on June 27th. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join. And that's a promise. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. Okay, so what do you think your financial score is? 0 to 10. 0 being the absolute worst, 10 being the absolute best.

[A]

Well, when I took your thing, it said three.

[B]

Oh, you took the thing. That's good. And you can take that [e-mail] that link is in the description below, by the way. And it's free. You just take the assessment like she did and you can see where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to improve. And if you don't want to be like a guess who ends up on the show, it is pretty damn easy. All you have to do is budget. And you can budget with the dollar wise budgeting app. No. Shake your head? No. Learn how to budget.

[A]

Not Shaking my head.

[B]

Huh?

[A]

I wasn't shaking my head. I was trying to imitate you. I wasn't like, no, don't do that. I wouldn't do that. That's, that's not trying to be that mean.

[B]

Download dollar wise. Take the free trial, see if you like it. Tens of thousands of monthly active users are paid members for a reason. You can sign up for the annual version. Saves lots of money. When you do, you get the digital version of my cookbook and my 30 day detailed budget or my 30 day detailed meal plan goes over every drink, every snack, every meal. So you have no excuses anymore to live on that $300 a month budget when you need to. I will personally sign this and mail it directly. That's for you. Check it out. There you go. Now you can't make that bullshit excuse anymore.

[A]

Oh, me and my.

[B]

I have to go home. I have to eat at home. Shut the cup.

[A]

Me and my man are already meal prep dog.

[B]

So then how were you using that excuse earlier that I have to go

[A]

home and eat and sometimes I have to eat at home?

[B]

You're the entre, you're entrepreneur and you're trying to build this business. You don't necessarily have to. You can eat at work. I'm not saying that's the dream life, but you are choosing entrepreneur. You don't get to be the office jockey. You don't get to have that lifestyle. If you're trying to build your own business, you have to sacrifice, figure it the out. So national debt relief, we have this here. And listen, do not get me wrong, it is okay to do consolidation. It might be okay to do this. You know, letting everything go to collections is certainly a risk. Now you're finding yourself in that position. So bankruptcy, collections, national debt relief, personal loan, it's all good, but not unless you change your behavior first or else you end up in the same situation you already were before. And now we're starting to see that with you. So like Even for example, caleb hammer.com we have personal loans at low rates that people can apply to. It is great for consolidation or for a personal project. Whatever it is, if you have changed your behavior that way, it can save you a lot of money. If you don't, you're just like you because you're, because you didn't change your behavior before you did this. So what happened with this?

[A]

Yeah, so I had my accounts, I think it was like four or five, a couple of them small, the other one's big. National debt relief, I called them because I was about to have to stop making payments anyway. Cause it was like $1,200 a month in debt. I was paying, not including, like, bills and shit. So I signed up for national debt relief, and they told me to stop paying all of my accounts immediately.

[B]

Yeah. Let it go to collections so they can negotiate.

[A]

Yep. And they negotiated mainly with one and then they're working. Or two, and then they're working on the other ones. Except for the other big card they decided to drop because they couldn't make an arrangement with them. They sent me three separate settlements, and they were all like. I had to give them like, $4,000 right now.

[B]

Yeah. Which I clearly didn't welcome the settlements.

[A]

Yes. Which I clearly didn't.

[B]

What's the whole point of doing this?

[A]

Then the other one that got settled, they just started making payments on. And that was fine.

[B]

Yeah.

[A]

So that wasn't an issue. So they said that there was gonna be legal trouble. So they dropped it. It. They dropped that card completely. So now it's up to me.

[B]

Okay. And what's the plan with them? Heavy. Okay, so with that card completely. I understand they're not willing to accept it for less, but if you called them, ask to get on a payment plan.

[A]

Yes. And they said no, unless I can give them $500 a month at least.

[B]

Okay. That's not unfair. What's that balance at?

[A]

I have the $17,000.

[B]

Yeah. That's not unfair. 500 bucks a month is not. What if I don't have it potentially. I mean, I know all the large purchases. 2,443. Come on.

[A]

Which I would love to see what the. Those are. Because I haven't.

[B]

We will calm the down.

[A]

Oh, I'm.

[B]

So you need another sick. You addict freak lung cancer future patient.

[A]

I feel like it was kind of funny. You told me to calm down when I'm talking like this. Just had to throw that one out there. Then tell me to calm down when I was yelling.

[B]

Okay, so current debt owed on here is that 10,573down from 26 because 16,000 has been settled.

[A]

Sounds about right.

[B]

Okay, so what's your process with these? Are you on minimum payment? What's going on? What do I write down?

[A]

So for the cards that are being paid through national debt relief, I give them about 600amonth for those ones being paid off.

[B]

Okay. So. Okay, so. Yes. Yeah. An extra 500 would be difficult when you add it on top of the 600. How long has this been in. In this national debt relief?

[A]

A year and A half. I think it was last January.

[B]

Okay. And have you opened any new debt since?

[A]

No, they won't. They won't let me. I have no open accounts. Thank and affirm didn't even want me.

[B]

Okay, so how'd you even get into the position where you just couldn't make payments anymore anyway that you like, called national debt relief?

[A]

So I had my two big cards, and the reason I got those two big cards was. Two big cards? Yeah, sorry, I keep calling them two big cards. It was the two US bank cards that eventually got racked up, up to the 15,000. And then after fees and stuff, they were like, at 17. So those were my main worries. And the reason I had those. The first card I got. I got that card at $5,000 so that I could go to school. Because I didn't have a car. I didn't have a car. So I.

[B]

What is a credit card for then?

[A]

Lyft. So that I could get to my.

[B]

Why did you take out a $5,000 loan on a car?

[A]

It was a credit card and. Because I asked for a credit card and they gave it to me. That was the amount they gave me.

[B]

Why didn't you ask for a car loan?

[A]

A car loan? I didn't have. I didn't have a license. I didn't get a.

[B]

Why not go get a license?

[A]

I've been in a lot of car accidents and I did not want to get a car.

[B]

So you've had a license?

[A]

No, I got a license at 27 years after I went to school.

[B]

Sorry, when was that? When were you in school?

[A]

I was in School in 2018.

[B]

Why don't you bike to school?

[A]

It would have been like 45 to an hour a minute. Bike. And I had to go there.

[B]

But you live closer to school.

[A]

I didn't have the option. That's where school was. I was living close to my job so that I could take a train. I worked at Sephora.

[B]

Okay, you can work at a Sephora or other place closer. I mean, come on. That's retail. Work at a different retail place.

[A]

It was in the beauty industry and it looked good on my resume.

[B]

Sephora. On your resume?

[A]

When I'm going into the beauty industry to man.

[B]

Yeah, go yourself. Shut the up.

[A]

Oh, I'm sorry. You were the master of the beauty

[B]

world and you pretty good at resumes?

[A]

Actually, I'm actually halfway when I'm starting off in the beauty world.

[B]

There was no. There wasn't a single beauty retailer near your school. There's obviously beauty retailers serving that customer base there.

[A]

There's a King Supersuper.

[B]

Yourself.

[A]

Yeah, I'll go work at a King Supers while I'm trying to get into the beauty industry. I was getting trained at that Sephora.

[B]

I was trained at Sephora.

[A]

Yeah, dumbass. There was a church that show up once a week and teach us about skincare and the products that we were supposed to sell.

[B]

There was.

[A]

How was I supposed to be?

[B]

No beauty supply store of any kind serving the entire student and professional base near the college.

[A]

I don't know. There literally was their school.

[B]

What's the school called? What was the school called?

[A]

Stacy James.

[B]

Stacy James.

[A]

Watts Institute Esthetician School. They're a cosmetology school. I went there for aesthetics, so I had to have that first card in order because they did not have a bus that went over there.

[B]

Okay. Was it in the southeast side or the west side?

[A]

I don't know. It's in Parker.

[B]

Is that southeast or is it west?

[A]

I don't know.

[B]

Oh, my.

[A]

There's no that often. I don't live there.

[B]

Parker campus. Okay. It's southeast.

[A]

Oh, sorry. Don't have. I didn't have my compass with me.

[B]

You don't know your town. Okay. Surrounded by that.

[A]

I just said I don't.

[B]

Yeah. A nail story at a nail store. I can't work at skincare store.

[A]

I wasn't licensed.

[B]

I couldn't live Vaccine store all. I'm just saying, even if you're working front desk, at least it's on your resume just as much. Okay, salon. Let's see. Just a couple more blocks over. You had Stylish Beauty Collective, Precious Beauty Lounge. You had J Beauty Med Spa.

[A]

The fact where I had to Beauty Salon.

[B]

Sephora. Sephora right there. I had to go two blocks away. Hey, Sephora two blocks away.

[A]

If that's a freestanding, those just opened up. Freestanding was not a thing when I was going to school. They were all inside.

[B]

Either way. There was Kohl's, there's. There's Beauty Refined Beauty Tribe Salons, Precious Beauty Lounge, Glamour fx, Color and Beauty.

[A]

And you're missing the part where I had to go from my apartment.

[B]

Very good. What was your address, Lindsay? Is the same address as now?

[A]

No, it's like down the street from my house.

[B]

Down the street.

[A]

But they didn't ruin the bus at the time because everything ruined the bus routes. So I had to take a lift in order to get to my apartment, over to the school, and then from the school to work because I literally went to school in the morning and then worked until nine.

[B]

That was your. That was your okay. By the way, a 17 minute bike ride is what that would have been.

[A]

Oh my God. There was no way that's a 17 minute.

[B]

It passes. So here's the fun fact. It's a 17 minute bike ride. Like that's what it is.

[A]

It's like a 20 minute.

[B]

You're an excuse victim and everything. This is what happens with people like you. You are just like everyone that comes on the show. You thought you weren't. Yes, you are. 17 minute bike ride. It's there. It's there. No, it's there. You can't say it's not that. Is it? Also, even if not, even if not, I'm not saying do an hour walk. But you could have if you were literally maxing out a $5,000 credit card.

[A]

I was 27, dog. You act like I don't know how to walk. I then there you go.

[B]

You didn't have to max out a $5,000 car.

[A]

House to school, from school to work. Work. I'm not just gonna like, oh, go find another job for the six months I was there.

[B]

Bike ride instead of maxing on a five thousand dollar card.

[A]

Yes, I have a bike with all this I need.

[B]

Yes. What do you think people do? Yes, people do that.

[A]

I've walked and taken buses my whole life.

[B]

Then you could have done it then instead of maxing out a 5,000 hour credit card. Oh my gosh. Pathetic.

[A]

Oh, I'm so victim. Blame me because I didn't.

[B]

But did I say boss? Did I say bus? Yes.

[A]

Yes.

[B]

You max out a $5,000 credit card. You could have gotten a bike, an electric bike, by the way. Absolutely. For like 1,500 bucks. Instead of 5,000 hours on lifts. Yes. Pathetic. Baby child. Shut the up. You're not a victim. You made personal choices. You failed. Shut up.

[A]

I'm trying to tell you that I did it. I'm not. I didn't say I was a victim. I figured it out.

[B]

But you're still saying you could.

[A]

I figured it out.

[B]

I told me it was a 45 minute bike ride. That's not true.

[A]

I said it was a 45 minute to an hour walk. I never mentioned bike ride earlier.

[B]

She said bike ride. It's confirmed. Yes, you did. Reverse, reverse, reverse. Why don't you bike to school?

[A]

It would have been like 45 to an hour. A minute bike.

[B]

There it is.

[A]

Play it back.

[B]

We did. And you got.

[A]

It's fine. I messed up. 45 minutes to an hour.

[B]

Why?

[A]

I don't have a bike, so I don't know how I would even say

[B]

you could have gotten a bike. It was a 5,000 hour credit limit. Instead of maxing that on lifts, you could have gotten a bike. Shut up. You. You are okay.

[A]

What are you, my middle school teachers? Jesus Christ.

[B]

School teachers called you? Yeah, maybe that makes sense. Maybe they should have put you in the right class.

[A]

They did.

[B]

So that's why you're going to be working as an esthetician for the rest of your life.

[A]

You act like that's not respectable. I went to school for this school.

[B]

Beauty school. Shut the.

[A]

Oh, you're all about doing certificates and doing trade.

[B]

Esthetician is such a you. It takes a while to make good money in esthetician land. Plus, you're only focusing on lashes.

[A]

Anyway, I've been opening other stuff. I started doing facial action.

[B]

Such as? Such a maxed out market.

[A]

Sure. Yeah. I don't disagree with that. It's heavy. Heavily saturated.

[B]

Yes.

[A]

And most people give up. And you wait for those to give up because a lot of people can't handle this industry because it's annoying.

[B]

And then the other big card, the

[A]

other big card I caught out as a dumbass because I thought that I needed it for my business. I took that out for the business. That was 30% credit card necessary. Agreed that insanely unnecessary. And then I took out a loan to pay off my student. This was like the same time I took out the loan to pay off my. The rest of my student loans from the esthetician because I paid $10,000.

[B]

Yeah, but what were they, like, interest rate?

[A]

Oh, I have no. They weren't charging a personal loan. No, no, no. The fafsa, they weren't charging.

[B]

You took out a loan to pay off your fafsa?

[A]

Yeah, and FAFSA wasn't doing any kind of percentages because take out a loan to do that wanted it gone. Oh, you're teaching and I didn't take out a loan just for that. I was using gun have to do

[B]

with paying off student loans?

[A]

No, I wanted it gone, dumbass.

[B]

But it wasn't. It was a different loan.

[A]

You moved it to a different loan start. They're about to start putting interest back on student loans.

[B]

Yeah, it would have been like 4 or 3%.

[A]

I don't know what it been. Okay, well now I didn't understand percentages at the time and I will admit that. Yeah, no shit, I was dumb. I didn't understand percentages was. I didn't understand percentage no, that's not a joke. Actually, I didn't know the percentages. I didn't understand them at the time. And I'm trying to admit that. Okay, how was that bad? Well, I mean, it was bad.

[B]

You also took on another $15,000 loan in order to help with the. With the debt and the business again. So that was later.

[A]

The debt. That was that. That was the loan. I was talking about the credit card and the loan I got basically for sake.

[B]

But you applied while you were just getting wine drunk as you always do.

[A]

Yeah, they let me get a joke.

[B]

You still do that?

[A]

Do you not understand? Understand against sarcasm. Jesus Christ.

[B]

What? You're the one that.

[A]

That's a sarcastic laugh. Dumb. You saying it's not a joke. I'm aware it wasn't a joke. That's the sarcasm,

[B]

man. Lack of oxygen that high up in Colorado is. You're done, dude. You're. That's. If that's your version of humor.

[A]

The fake laughing at.

[B]

We should have kept you in the class.

[A]

I graduated all the way through. Huh? Said I graduated. Somehow they were done with my ass.

[B]

You know how easy it is to graduate now? It's like nothing. It's nothing. Even graduating college is nothing.

[A]

The only reason they let me in high school is because like no child left behind or some like that. They didn't want to hold my ass behind or some like that.

[B]

Either way, you were signing up for all that. Well, wine drunk, but yes. It's the. The banks who are predatory right for it.

[A]

I had one glass of wine. Doesn't make me wasted. Jesus.

[B]

But it's the banks who's predatory. Let you. What do you mean let you? You can do anything. You go buy a gun and kill yourself right now. Is it the gun's fault? No. You could go get in a car, drive it into a human. Is it the car's fault? No, it's you. You could go do anything. Is it because they let you. You could go jump off a cliff. Is it the cliff's fault? No. Then it's not their fault either. You applied, you spent that they had

[A]

partial fault with making it way too easy.

[B]

Dude, it's easier to do the thousand more bad things that apply for debt right now. Like lighting up a cigarette in this room. That's easy. You're giving yourself cancer. You gave me cancer. Go yourself, you piece of shit.

[A]

Didn't give you cancer. Calm down.

[B]

And then what you chose to do with it is still your choice. In the end you took it. You went to go to Go to Vegas and see when we are Young tour. I don't even know what the that is.

[A]

Oh, it's a big emo Fest. Blink182 and shit, we're there.

[B]

Oh my goodness. Of the worst bands I've ever seen live.

[A]

Oh my God, you're so lying. Oh my God.

[B]

No, that's not true. I'm over exaggerating. I saw them at ACL and it was definitely kind of boring.

[A]

Ah, they played a good show that time. We got to see them twice at ACL into it. Oh, when we were there. Yeah.

[B]

I don't know. It's just every song sounds the same. It's like.

[A]

I won't disagree with that. A lot of their songs sound the same. Green Day was there too. And I won't lie that theirs kind of all sound the same. But they're amazing and I love.

[B]

I'd rather the se.

[A]

I mean is.

[B]

I, I, I, I, I, I like. I like that. What was the first one?

[A]

We just on Blink 182.

[B]

I like Blink 182 but my goodness, I don't know. It was just like. It's just like. I just need to hear like four songs and then I'm done. This is. I don't know.

[A]

I don't know. I'll give you that. But. And I don't disagree that that was

[B]

tourism to apply for. But you still chose to go to green day and blink 182 and Vegas.

[A]

Go. I just really wanted to go cuz I wasn't going to be able.

[B]

That's not the bank's fault.

[A]

Yeah, I don't blame the. I don't necessarily blame the bank, but you have been. I said I blame them. 25 to 50%.

[B]

What else did you use your loan on?

[A]

Probably tattoos.

[B]

Yeah. 26 in one year. Using your loan for 29.

[A]

But that's only if you count. That's only if you count each of my finger ones as a different one. So 29 then.

[B]

Okay, okay. Or not. But even still you're using the debt for that the bank did not make you.

[A]

Yes, that was.

[B]

And now you're national debt relief. Because you're pathetic.

[A]

And I don't necessarily like it sucks because I necessarily don't regret the tattoo cuz I just love them so much. They make me just feel so me. So I know that's even worse that it's.

[B]

Yeah. Deflection, Deflection, Deflection.

[A]

Cope, cope, cope.

[B]

Never your fault. And just like that you also blame your friends for enticing you to go shopping, enticing you to go thrifting. Enticing you to go drinking at the bar. It's you. You're still choosing to.

[A]

Yeah, I guess.

[B]

How much have you spent on tattoos?

[A]

I actually don't know. Me and my friend were trying to figure that one out because just my chest piece was 1500 so I don't

[B]

know what are we doing with our

[A]

lives looking red as you'd look cooler with tattoos.

[B]

Maybe I'm afraid of needles.

[A]

I mean I. I also am afraid of needles.

[B]

I hate getting tattoos that many.

[A]

That's fine.

[B]

I'm open to ah or a couple.

[A]

But fully tattooed or heavily tattooed is not for everybody.

[B]

Yeah. I'd say for the vast small you

[A]

haven't come to common minority.

[B]

Okay. So U.S. bank that's securing the settlement. Two U.S. banks. This one was a small balance of 302. You could have just paid that.

[A]

That's actually gonna get paid. They keep calm. They just.

[B]

You could have just paid that before even doing this. Yeah, it went same with the 985 from customer's bank.

[A]

The. That one. Yeah. So I know I was paying that one off slowly. I just didn't have much to pay for that one. The one that was started off as 300 it went to ended up being 600 because national debt relief did tell me to stop paying on it. So that was accruing fees. But they just recently sent me something in the mail. They're going to settle for like a hundred dollars. So that's going to get.

[B]

This one makes more sense to the USA bank of or US bank of 10,025. That's chunkier.

[A]

Yeah, that's.

[B]

But even worse than that. Yes. As you mentioned. Yeah, it's kind of with him and fairly. So you owe your boyfriend 1,600 that he put on his credit card and it has hurt his credit card so far and it's pissed him off.

[A]

It did. And messed with his his credit.

[B]

That's what I just said.

[A]

Very good with My bad. He's very good with having that paid off.

[B]

Well that's why we're going to call him in the post show. But what the are we doing? Why are you not paying him back quicker? Why are you still having Wednesdays funds days when you owe your boyfriend and you've hurt his credit and that's what it's kind of disgusting and selfish and bitch behavior.

[A]

And that's why I was going to admit to maybe giving up one of the vices.

[B]

No, you didn't give up all vices until you at least pay him back because you credit because of your irresponsible behavior of being able to save up an emergency fund to be able to take care of the situation when your car did break down. Now that your car broke down. It's good though now.

[A]

Yeah, yeah, she's running.

[B]

Okay, then drive more UberEats. Every single second of every single day that you are not working, you are driving UberEats. And then I don't necessarily encourage this. Attach your card of your esthetician to every bag.

[A]

That is actually funny.

[B]

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[A]

I the reason I stopped doing doordash is because I feel like it was putting too much miles on my car and that it was the reason that I broke down.

[B]

I know when the producers were talking to Him. So we were seeing if he could get on the post show said to dodge the bullet that you guys haven't gotten married. That's not a good sign.

[A]

He did joke about. He even said that.

[B]

I don't even know if that's a joke actually at this point it probably isn't.

[A]

But he did say and you're not

[B]

willing to sacrifice wine, cigarettes, weed, thrifting, anything just to pay him back. Not even for a couple weeks. You're not willing to. It's kind of disgusting.

[A]

I am going to pay him back. It'll get paid back. The reason that.

[B]

When did you borrow?

[A]

This just happened. This literally last month just happened.

[B]

Okay. You could have paid back half by now.

[A]

So no. And the reason why is because he told me that I am going to pay him back obviously. But he said that he also wants me to get make sure that the other debts that I paid.

[B]

Sure, I agree. But you have Wednesdays funds instead said so go yourself. Like that's. You didn't follow his desires regardless.

[A]

But I'm. I'm gonna. That's gonna get. It's gonna get. I'm gonna pay him back.

[B]

Why is it always gonna. Never is. It's always gonna on the show. Never is. You thought you weren't like the others on the show. You are literally identical.

[A]

More exciting for me to be like it's already paid off like that.

[B]

No. Or I'm at least already paying.

[A]

I have money in my savings account so that I could pay him back. I am working on it.

[B]

Do it, you weirdo. What the.

[A]

That's so pay him at the end of the like get month and then pay him like a monthly situation.

[B]

So what's your monthly situation?

[A]

We haven't picked up like an actual like he was going to pay, but I'm going to give him 150.

[B]

That's why we need to call him. Dude. It's just excuses. It's cope. It's such can't do anything. So yeah boyfriend, if you're watching this. Well, I guess I'll tell you in the post show. You did dodge a bullet because it gets worse. Apparently because anyone she actually gets related to, she borrows more. 2,500 to Uncle.

[A]

Yes.

[B]

For what? Possibly. Why? Pathetic.

[A]

I bought my car from my nanny

[B]

and he gave what from your nanny?

[A]

Yes, my grandpa.

[B]

Why do you have a nanny?

[A]

Oh, so. No, no, no, sorry. My nanny Papa, you know, thought you guys were selling. So the reason I still owe him that is I was paying him back in pretty large chunks for I owed him eight originally, and then I gave him. Yeah, I gave him. It was like the blue book at the point, at the. At the turn. And it had, like, really little mileage.

[B]

Why did you just borrow from family for everything? Why can't you do anything on your own?

[A]

I didn't have a grand. I was never saved up money.

[B]

You've never done anything, though, so.

[A]

And that's where, like, I never thought that saving money was ever feasible for.

[B]

Oh, great. And then your family have to pay for it.

[A]

My. My uncle, he offered that. He. He was. They were gonna give me the car, but my nanny ended up wanting money for it, so. That.

[B]

Not unfair.

[A]

Yeah, which I don't disagree, but. So my uncle's dealing. He's handling all of that.

[B]

And sure, you've paid it down from the eight, but you're not making payments currently.

[A]

I gave him $50 last month. I'm hoping to do 50 again. Wow. I was paying him $300 a month last year.

[B]

Exactly. That's my point. It's pathetic. So 50 bucks I'll put down. He should charge you interest. How long have you been paying on him?

[A]

Three years.

[B]

Good death, woman. Good death.

[A]

I'm not happy about it. Trust me. He's, like, the only one in the family that did amazing. So I feel bad taking advantage of that.

[B]

Yeah. It's gonna take you another four years just to pay it off at your current pace. That's insane. Seven years for a car from Nanny. That was 9,000, 9,000. Seven years from Nanny. What's wrong with you? Actually, it is actually kind of gross.

[A]

My uncle gave nanny the money, so she's not waiting. The money. My uncle. My. It's my uncle.

[B]

Yeah, and it's gross because you're still having Wednesdays. Fun days.

[A]

I mean, I can't just sit in the house all day. Don't get me wrong.

[B]

You don't have to go spend money, though, on booze, weed, cigarettes, thrifting, Go to a park, read a book, go to the library, go somewhere and watch YouTube. I don't know. Just like, there's so many things you can do. Play games with people. Board games. Katan. Why not?

[A]

Not nerd. That's why I'll play board games. Throwing out Katan. Like. All right, calm down.

[B]

That's actually. It's like the most bas. Basic nerd game. It's. It's very mainstream these days. You're not even getting. Barely even nerdy with it.

[A]

I suppose the only people I know that play that go to the game Stores. And every time I go there with

[B]

my friends to play because how do you get some weird going on?

[A]

There's the game. Coffee Stop Shores, Stores. So they do all the boards? Yeah, it's like a whole different situation. Not that I'm making fun of nerds, but I gotta make fun of you because.

[B]

Because what?

[A]

You're making fun of me? I gotta throw it back, you know,

[B]

confuse my brain and things like do. Instead of just drowning it all in weed, alcohol and cigarettes. Yeah, got me. Nailed it again.

[A]

A man who's never understood addiction, I guess.

[B]

What do you mean, I've never understood addiction? My aunt that borderline raised me every single summer. Died of being an alcoholic. But to have you very close. I understand addiction. I also understand the consequences of the addiction.

[A]

Of course.

[B]

I saw my dad quit cigarettes when I was growing up. I understand addiction. I have my own addiction, addictive personality. I understand it. And that's why I prevent myself going into these different things.

[A]

And I talk.

[B]

I get it. You can't tell me I don't understand it because. No, I've never had any. No. But that's not the only way to understand anything. That's not the only way to understand what it's like to have a kid, what it's like to have a debt, what it's like to serve, what it's like to do anything.

[A]

Truly understand you'll never be 100%, but

[B]

you can get pretty damn educated and listen to experts in those spaces to

[A]

know what it feels like.

[B]

Yes, you can listen to other people. You're not the only one that has experienced it. You're not the only person I. I've talked to. I know quitting nicotine is incredibly difficult. Alcohol, incredibly difficult. Weed, even more difficult than people are willing to admit these days. But you're making it sound like it's impossible. Because I have no idea.

[A]

And I don't think it's yourself. I just think that you're really making it seem like it's the easiest in an hour and a half when we

[B]

talk about your entire life, everything sounds easier than it actually is in reality. Welcome to a short conversation. But it doesn't mean you shouldn't work to do it. Like, I don't understand your point here.

[A]

I don't disagree with that.

[B]

And I'm still choosing that instead of paying your uncle even $100 a month because you're more wanting and willing to go spoil yourself again.

[A]

I just think the reason I was saying that is because I feel like I've quit Smoking like a million times. The second ever worked. The second something stressful comes up, it's the first thing an addictive mind thinks of.

[B]

And again, it's. It's like. I mean, can you at least do sins or something? I'm just killing lungs.

[A]

Is that the shit you put in your mouth?

[B]

Yeah. You're just killing your lungs. That's my concern.

[A]

That's it.

[B]

Vaping is not good either, but it's objectively better than cigarettes.

[A]

Yeah. Ten years, we might not say that.

[B]

Maybe not. But cigarettes we know are one of the worst things you can actually do to your body.

[A]

And you think I don't know that?

[B]

Well, you're the one doing it, so I don't know. You don't.

[A]

Dude, there's people with holes in their throat that are still smoking on that way. And I'm not saying. I'm not what I'm trying to say.

[B]

Look at you when you smile.

[A]

Oh, Jesus Christ.

[B]

You're the one doing it. Showing those pearly yellows.

[A]

I'm a teeth smiler. I'm so sorry.

[B]

Okay. Yeah. You haven't paid them in months. You're starting with 50 again soon, but you're still having Wednesdays funs days. Wonderful. What's this? What am I looking at?

[A]

Oh, no. Oh, that's what I owe Sky Ridge.

[B]

What's Sky Ridge?

[A]

Sky Ridge is the hospital that I got taken to for my seizure.

[B]

Okay. When did you start having these fun little tweak sessions?

[A]

My first one was at 18, but my last one, 11 years after that was the last one I had that caused me to go to the hospital.

[B]

Was that four years ago?

[A]

Two. Less than two years ago.

[B]

That's scary. That's scary. So you're saying stress causes it?

[A]

I have teeth tests being done when I get home.

[B]

Good. I'm glad you've taken that care of. I definitely want you to deal with this medical issue. This is obviously more important than finances. Your life. Your life comes before that. And see, that's how you can tell that in this conversation when I've been shitting on you for being financially. That I am reasonable when it comes to this. Because your health will always outweigh finances in my brain, so. But it doesn't excuse all that other shit. You're making your life more stressful by just preventing you from getting out of debt, though. And it's really hard. So you owe $1,996.

[A]

Yes. And that's not including the ambulance bill.

[B]

You got it on a payment plan at the Hospital. Cause it's pretty damn easy.

[A]

I did and I was able to pay for a few months and then I had to stop to pay other stuff.

[B]

What is the monthly payment?

[A]

I think I was only on like a 50. The lowest they would have me on was 50.

[B]

Okay.

[A]

And then they haven't bugged me since I got off, so it's kind of been in the back of my mind. And then the ambulance bill, I don't think I had a paper for. Cause I actually don't know how to. I needed the piece of mail with my.

[B]

Huh. For the ambulance.

[A]

Yeah, I have an ambulance.

[B]

How much is owed on that?

[A]

14 hundo.

[B]

That's the next page.

[A]

I don't have an actual bill for it. Cuz you have to have like well.

[B]

And 900 to your new neurologist.

[A]

Yes, I'm down to 280 on that one actually.

[B]

Well, that's good. Is there a monthly payment on that?

[A]

100 and then the new payments to my other neurologist when I get my eeg.

[B]

Oh, got to do it. Listen again, health comes before.

[A]

Yes.

[B]

And I want you to be alive. So ambulance.

[A]

So that's owed to Lone Tree Fire Department.

[B]

Okay. And if you've contacted them about a payment plan.

[A]

Yes, I paid them, I think a hundred dollars. And it wasn't like a payment plan. It was just a. Be able to pay as you go. And then I was able. Yeah. After that first time I couldn't pay any more because of all my other. Okay well, bills.

[B]

Hopefully we can start making progress on that soon, but we'll see.

[A]

I haven't gotten another notice from them.

[B]

LMVoo Funding LLC. What's this LV envy? Well, it's collections, but.

[A]

Oh, for. How much? Is that the big one? Yeah, that's the. Yeah, that's the one. That's the second big credit card that was not being handled by.

[B]

That's the one that's suing you?

[A]

Yes, that's the one.

[B]

Yeah. I think it's fair to see when it gets to 17, it's actually worth it at that point.

[A]

Yeah, I don't. Yeah, exactly. I don't necessarily believe.

[B]

When are they going to any kind of claims court, if any?

[A]

They haven't sent anything in yet. I have been trying to con.

[B]

I might be trying to just scare you first. Maybe they. They won't find it worth it in the end, but that's a risk because that is a dollar amount where it actually might be worth it.

[A]

Yes, I agree. So I think the total amount they were Willing to accept from the national debt relief. Their final offer was $1,000 a month, which I just can't do. And then when I call them separately, now that I'm detached from them, they want me to pay $4,000 upfront and then pay it, but I don't have

[B]

to pay and then pay.

[A]

And then it'll be. And then it'll be settled.

[B]

Right? They want me to 4,000 and it's done.

[A]

Yeah. They what?

[B]

That's a incredible.

[A]

They want. I don't have $4,000 to just give them and then it's done. That's not a payment.

[B]

No, I agree. But we can work to get to four. Okay, we can work to get to four. That's the play. So we'll figure that out. Okay. Here's the checking account.

[A]

Yeah, my checking accounts are pretty stupid. I have like three of them for no reason. Pretty much.

[B]

What?

[A]

Yeah. So I'm just confused.

[B]

Just connect this shit to dollar wise. You'll see everything I'm.

[A]

This is because dollar wise, that shit costs money. I don't got money.

[B]

Kind of. But the thing is, even with a monthly subscription, which every budgeting app has, because it costs money to connect accounts, every single time costs us money. The margins are not as good as everyone thinks. If it costs 15 bucks a month or like 7 bucks a month. If you do annual but you save hundreds a month by budgeting, I think it's worth it.

[A]

I'm not saying in the long term, but I don't. When I'm looking at my bank account, I can't justify spending like $7, $10 on a app. Don't get me wrong.

[B]

If it saves you even 50 and

[A]

I it saves you 20.

[B]

You make margin.

[A]

And I agree it's stupid that I can justify a little.

[B]

Yeah, because you're going inside somewhere and getting $40 that you stopped at the place and just swiped your card.

[A]

Where was it?

[B]

Gosh, it's hard to say. We blacked it out for privacy reasons. It's probably the grocery venmo maybe at 40 even. I highly doubt it. ATM withdraw 43. That would pay for multiple months.

[A]

43. Hey, TM, that's weed.

[B]

There you go. Your weed could have paid for a budgeting app for four months. So yourself. Excuses cope. Cough, you pathetic worm. I mean, it helps Wendy's. $35.38. Yeah, that's really good for your health. For someone.

[A]

I didn't have Wendy's.

[B]

Well, you certainly did. Who can't remember anything because she's blazed and Drunk out of her mind every day.

[A]

I am sober as right now.

[B]

No one believes that.

[A]

Oh, honey.

[B]

Everyday. Well, actually no. No, no. So okay, when this was $10.63, that makes women. Every day was $35.38. Every day.

[A]

Every day.

[B]

What's every day?

[A]

I don't.

[B]

What is wrong with you? Is this money you don't even know you're stopping and you're getting for six bucks?

[A]

It was probably a gas station then six.

[B]

What were you getting?

[A]

It was probably Red Bulls. Okay. Yeah, yeah, I knew that was coming.

[B]

Well, yeah, it's. Cause one Red Bull's like shit to be clear. But this tastes 10 times better. It's not even comparable. 40 cents a serving. Make it at home. Just like you're meal prepping now. Gamer Subs It's a goony thing. I just gave you a random one.

[A]

I mean I'll take it. Thank you.

[B]

Yeah, it's 40 cents a serving. Get your free samples to figure out what flavor you like with code Caleb Link in the description below. Gamersupps GG and then when you figure out what flavor you like, just order those tubs and it's 40 cents a serving. So I'm make your make your energy drinks at home like you do your coffee. It'll save you a lot of money. And it honestly does taste better. Really does. Every guest admits it. Many in the comments have already admitted it. Venmo, you're purchasing something through Benmo $3 sometimes.

[A]

Wait, how much?

[B]

$3?

[A]

$3 on. Yeah, I probably did something stupid with that. I don't even know what I would put on.

[B]

It's like you actually have money that

[A]

you could be putting money out through Venmo. So it could have been me. Me take using Venmo to fund my other bank account because it's a really confusing situation with my bank account. Then it was some dumb. I don't even know.

[B]

I don't purchase like McDonald's $6.13.

[A]

Yeah, I did that. Yep.

[B]

And then he stopped in the gas station, got some energy drinks. Like that's just like.

[A]

Yeah. And I just like I like to go to the antique stores and those stupid thrift stores and like sometimes it's only like a three dollar Polly Pocket. But then all of a sudden you call me a Polly Pocket.

[B]

What is this? What are we talking about?

[A]

Never knew a Polly Pocket.

[B]

A Pussy Pocket. No, I don't. What are we talking about?

[A]

I was just asking, did you not know a Pol Polly Pocket?

[B]

I don't know Polly Pocket.

[A]

Well, I have 50. So I have 50 of them. I'm trying to explain my Polly Pockets. So they're basically like a little compact from the 80s that has, like, little, cute, little dolls in them. I'm really into miniatures. I'm trying to explain. With little, cute, little miniatures in there.

[B]

Doesn't she sound like Kamala sometimes?

[A]

Do not come. God, I can't. Now I'm gonna have to go and watch videos of her and then hate my life. But, like, I got my racist against her, not racist against her.

[B]

Why do you care if you sound like her?

[A]

Because I don't want to be some dumb politician. I'm not against her views. I'm against sounding like a politician.

[B]

You just have the same nasally annoying voice she has.

[A]

Son of a. Now I'm gonna be all self conscious.

[B]

You should be. Okay, so Polly Pocket.

[A]

Yeah, I got my Polly Pockets. They're like little mini dolls. They're super cute. And it's hard. It's just something that makes me happy. I know that's stupid. But then I got.

[B]

Okay, they sent me some pictures. Thank goodness, because you were not explaining this very well. Okay. They're very creepy, weird, and I don't understand it almost a little. So I like little.

[A]

Little miniature dolls. Are they sending you the right ones? Are they sending you the. What? Big ones?

[B]

I don't know. I don't know what's going on. I don't know what's going on, but it's a stupid. Really stupid. You spent $70 on one of them, and you have 50 of them. Like, what are we doing?

[A]

It was from 80. Who gives a.

[B]

You owe your family money.

[A]

It's. It's just, you know, like I said, it's just dumb impulse control. Like, we went to the thrift store, and there was, like, over 150-year-old, like, sewing machine. And I know that's the dumbest thing

[B]

ever, but you owe your uncle and boyfriend money. Yes, that is the dumbest thing ever, you selfish bitch.

[A]

Yeah, yeah, yeah.

[B]

Went and got some bullshit. Went and got some bullshit. Total wine and more glug, glug, glug. ATM withdrawal, $280. Where'd that go?

[A]

Oh, it was probably from one bank to put into the other bank.

[B]

Bank via ATM. Now transfer.

[A]

Yeah, I was.

[B]

$20.

[A]

I could do that. Well, so you didn't realize. So I didn't realize I could use Venmo to transfer, because if I transfer from one bank to the other, it takes, like, five days.

[B]

20. Venmo. Who knows? Purchasing. I think it's an energy again. 13 energy drink. Little Arc Thrift, Amazon.

[A]

I mean, it could be worse. I haven't bought boots in a while. I'm like. I'm on recovery for bottom.

[B]

It looks like an actual Cho somehow. That's crazy. That's insane. What the Is that I look like?

[A]

They look like a ch.

[B]

Like a toad version of a boot. Absolutely. There's something weird going on. You got some energy drinks. Got some energy drinks or ATM with draw. Yeah. Amazon Hairloom antique.

[A]

Well, the cigarettes aren't even on that one. I didn't smoke in January. At least I don't think so. I think when the car broke down, that's when I started smoking again. So at least there's no cigarettes on there.

[B]

Again. Coping mechanisms. The moment something bad happens, you destroy your life. ASCP.

[A]

Oh, that's my esthetician insurance.

[B]

CF United. Go yourself.

[A]

CF United Healthcare.

[B]

Oh, okay. Fair enough.

[A]

Yeah.

[B]

And then small management fee because you don't have enough money in there. Pathetic.

[A]

Yeah. So, yeah. Yeah. The U.S. get weird because the U.S. bank.

[B]

Okay. This is income and stuff. Okay.

[A]

Yeah. It's mostly to buy HBO Max Salon.

[B]

You're spending money on salon. You're spending money on.

[A]

I don't go to the salon. It's salon Centric. It's where I buy supplies.

[B]

Okay, then it is not $50 a month because that's 242 4024-0240-2502-4240.

[A]

250.

[B]

Your margins are if that's so. Dude, this is all Phoenix.

[A]

So they charge me. That's my studio. They charge me 250 a week. And. And it adds up to a thousand a month. That's my studio rent.

[B]

I hit five times in one month, by the way. But. But yeah. That's brutal.

[A]

Oh.

[B]

So overdraft fees. A thousand dollars.

[A]

So with the US bank and that

[B]

got some waived, but still a thousand bucks US Bank.

[A]

When I. Because I don't know why I still. It's a stupid reason. I still have that bank account. I was told to jump ship from U.S. bank after I know I joined national debt relief. And then I switched over like 90% of my stuff, and then I guess I got lazy. So US bank. Something we'll take out of there, and then I'll just fund it. So I usually don't. I don't ever. Not ever. I had to happen. But I usually don't.

[B]

Find your savings. It's a hundred dollars.

[A]

Yes. For the US bank one. I just keep it in there. Because for some reason, they won't let me close it unless I am days away from okay.

[B]

So everything's pathetic. Got it?

[A]

Yeah.

[B]

Understood. You can't do anything. You're incapable of anything. Wham. Wham.

[A]

I mean, I wouldn't say that.

[B]

I would. I wouldn't. We don't see payments without that. LVNV. You know, upfront payment, whatever. $800. What's your portion of rent again? 1200. 1400. Your portion of utilities. How much? Plus Internet.

[A]

I do Internet. The 14's including utilities. But Internet's 100.

[B]

You pay 100.

[A]

Mm. Boyfriend takes the energy and shit like that. Okay.

[B]

Income was 36 after you set aside money for taxes. Phone bill. How much?

[A]

I pay 64. But the Xfinity keeps trying to call me and I. I covered under them, so I think I'm gonna get now.

[B]

Okay, well, I'll put a 64 for now until you figure that out. I'd also do helium for 15 bucks. A mine a line. I guarantee you the coverage is good and there as long as T. Mobile is okay. Gas from. From Drive. Drive. How much a month? Now?

[A]

Now I would say like 80.

[B]

Car insurance?

[A]

Car insurance is 190. No, wait. 170. Sorry.

[B]

Necessary food, you can do $300 for yourself. Meal prep, meal plan. Throw it to the grocery budget TP fund because you got extra weird things going on. 200 bucks. Anything else you need to survive. That's including your wine and weed and cigarettes, you freak. You put them in there. I'm not giving you additional budget for that, but I upped it. So you can put shit in there. Medical, health care, how much on co pays and stuff on a monthly basis.

[A]

So I have my pills. Those are 40amonth. And then I pay, like I said, $100 for the neurologist. And then I'm about to have to start making.

[B]

Oh, that's in your monthly payments?

[A]

Yeah. And then I have to make. When I go and get this test done next week, I believe I'll have to start paying them about 100amonth.

[B]

I'll put that in debt. Making that debt now. 900amonth, but. And how much is that gonna cost? I can make it a balance.

[A]

I actually don't know yet. It's a three day long EEG, so.

[B]

Okay, well, we'll figure it out. 100. $400. You'll just have to incorporate that. That. I'll cross it out for now, bring it back down to 800. You'll just have to incorporate it. So medical debt. 40 save subscriptions. I'll try to put 40. You figured out you have any pets?

[A]

No.

[B]

Thanks. Anything else that needs to be in this budget that I have not taken in account?

[A]

No, I don't believe so. Okay.

[B]

And you have money left over, so you can't tell me I have money left over. You have money left over. That's after you set them side 30% for taxes, by the way. You have $406 left over. We'll call 400 to keep it even.

[A]

Jesus Christ. I didn't actually expect that. I was expecting you had to tell me how to go bankrupt.

[B]

You don't have to. May get you there quicker, but you haven't changed your behavior yet. And every single time something bad happens, you immediately destroy your life. So I don't know if you're someone I'd want to get a clear situation with, but that might be 300amonth because you might have $100 minimum payment. Yeah, I mean I would pay your uncle and boyfriend back immediately, which you should be able to do in a few months. Call it maybe. What is that, seven months, maybe eight months, maybe after that save up 4,000 as quick as you can, which you could do in like a year or so and depending on where your minimum payments are, like at that time. And that will allow you to pay off that massive collections thing. And then from there you're doing that 600 until the national debt is paid off off. So you're just saving up a fully funded emergency fund, whole thing. I'd say about three, three and a half years. So no, I would not do bankruptcy at that mathematical thing. Try to make more money obviously, of course, and that will accelerate that process. But fully funded emergency fund debt free outside of your minimums to national debt will be three and a half years. And that's not bad. Then you're 53, 20 for the rest of your life. 50% on needs, 30% on wants, 20% on savings, which is mostly investing at this point because I mean you'll probably need a new car, but you need to invest to get some retirement going. But you need that fully funded emergency fund. Okay, we'll call the boyfriend of the post show. Let's get the hammer. Financial score first spending in a budget. You overspent. Shocker to no. 1. 0 out of 10 debt collections 0 out of 10 emergency fund, there's nothing 0 out of 10. I don't know what you put in to get a 3 out of 10 on the website, but retirement, 0 out of 10. Real estate, 0 out of 10 because you have nothing there.

[A]

I did it like three different times and I swear it asked if different questions in this.

[B]

Well, yeah, the questions are. It branches off on stories based on your answers. So yeah, so and if you were getting different questions every time, that means you were answering differently every time, which is.

[A]

No, I took it two different times and I got the same thing. So it was through the same. Okay.

[B]

Your score shut the up is 0 out of 10. Join us. I'm gonna call the boyfriend. We're gonna have to confront this whole situation. So it's going to be a good post show. Join hand Hammer Elite 3 premium shows every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto post show. I'll see you there. We went through her spending. I know she owes you bucks, but she's choosing her own fun. You know, I. I don't know how. It's crazy. Yeah, I. I need to process that. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join and that's a promise.