She Came Here To Fight Me | Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "She Came Here To Fight Me" (August 1, 2025)

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Brief Overview

This highly charged episode of Financial Audit features Becca, a 28-year-old nonprofit worker from San Antonio, who is under financial strain while supporting her mother and grandmother. The episode is notable for its confrontational tone, with Becca arriving on the show ready to challenge host Caleb Hammer's advice and perspective on budgeting, sacrifice, and financial responsibility. Caleb attempts to cut through Becca’s defensive and sometimes combative responses to diagnose the root of her financial issues, offering practical guidance amid a series of heated exchanges.

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Key Discussion Points and Insights

1. Becca’s Income and Budgeting Habits

• Income Sources

  • Nonprofit job (intake coordinator): $1,390 per paycheck (biweekly); full-time since April (01:16)
  • Home health provider for grandmother: ~$550 per paycheck (twice monthly)
  • Total monthly take-home: ~ $3,880 (06:34)

• Budget Approach

  • Becca's self-described budgeting system is inputting her bank balance into a calculator and subtracting bills off a calendar, hoping to "end up positive.”
  • She admits a lack of clarity on exact numbers, payroll deductions, and 401(k) match status (01:43, 04:27).
  • "I kind of just look at my calculator, my Chase, and… calculate for how much I have in my bank account. Really." —Becca (02:41)

2. Financial Responsibilities and Family Dynamics

• Household Arrangement

  • Becca pays the house mortgage, utilities, and supports her disabled mother, as well as helps care for her grandmother.
  • Her mother receives disability benefits but also has "a lot of credit cards," indicating intergenerational debt issues (07:31, 08:11).

• Pressure of Being a Provider

  • Becca frames herself as a “provider,” claiming Caleb can’t understand the struggles of multiple job workers.
    • “I guess you don’t really understand that as much now, that, you know, you have this big studio and stuff like that.” —Becca (09:28)

3. Combative Dynamic and Victim Mentality Arguments

• Clash over Understanding and Privilege

  • Becca repeatedly asserts that Caleb, now financially successful, is "out of touch" and cannot relate to her paycheck-to-paycheck lifestyle or the experience of supporting family (09:19, 13:19).
  • Caleb insists he’s been in her shoes—and in worse—and his abrasive style is motivated by empathy and a desire to see guests improve.
    • “You who do you. I mean, I think you just need it to be a little bit humbled.” —Becca (02:29)
    • "I've been where you are. ...Now you're not. And I think you're losing that sense." —Becca (17:48)
    • “If you want to humble me, bring something real.” —Caleb (28:45)

• Victim Mentality Call-Out

  • Caleb repeatedly points out that a victim mentality impedes financial progress.
    • “...Unfortunately, it sounds like it’s coming from a place of victim mentality. And when we are in a place of victim mentality, it is hard to get out...” (17:23)

4. Credit Card Use, Debt, and Spending Choices

• Significant Findings

  • Becca has multiple credit cards (Discover, Amazon, Citi Diamond Preferred, Capital One Quicksilver).
  • She spends substantially more than she takes in—e.g., $5,233 out in a month against $3,880 income (26:54, 27:04).
  • Recurring, nonessential expenses: ~$500/month on fast food/eating out, gifts, vacations, and pet care (13:00, 22:46, 41:11).
    • "You spent $500 going out to eat when you could have put that towards an emergency fund." —Caleb (13:47)
    • "I mean, I do want to really walk the stage and, you know, show that I have graduated just for my..." —Becca (49:28)

• Examples of Self-Sabotage

  • Multiple vacations (Hawaii, Chicago, Minneapolis) charged to credit cards during financial hardship (41:49, 44:46, 47:57, 69:03).
  • Buying gifts on credit (Amazon Prime Day temptation, birthday gifts, gifts for friends/boyfriend) (57:33, 58:01, 63:10).

• Debt Consolidation Cycle

  • Took out a LendingClub consolidation loan (~$342/month payment), but continued overspending and rebuilt card balances, exemplifying the dangers of consolidation without behavior change (80:04).

5. Notable Mindsets and Repeated Misconceptions

• "Deserved" Fun and Gifts

  • Becca clings to the notion that hard work entitles her to fun and generosity—even if unaffordable.
    • “Everybody deserves a vacation after a while. This is my very first time ever.” —Becca (43:32)
    • "I just love to show appreciation." —Becca (61:41)

• Refusal to Sacrifice Wants

  • Becca resists the idea of cutting "wants," even for emergency fund savings (24:34).
  • Finds budgeting to restrict spending as “unrealistic,” preferring immediate enjoyment.

• Misuse and Rationalization of Credit

  • Opening cards “for funsies,” chasing sign-up offers, and viewing credit limits as extra spendable cash (68:20).
    • “I got [the Citi card]... just for funsies. Just to apply.” —Becca (68:20)

• Lack of Financial Transparency within Family

  • Enabling mother’s spending without insisting on transparency or reviewing mother’s budget (58:56).

• Minimization of Financial Problems

  • Routinely refers to overspending as “survival” rather than self-inflicted.
    • “It was really kinda just a means of survival. I know you don’t like me saying that...” —Becca (81:35)

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Memorable Quotes & Notable Moments with Timestamps

• Caleb: "You say you use this budgeting thing, the calculator. So what am I changing in my budget that is different than you being able to budget if you’re already doing that?" (25:32)
• Becca: "...I guess really kind of understanding how I can smartly pay off my debt. Cause I kinda just go by minimum." (25:38)
• Caleb: "You can't pay for day spending more than you make." (25:48)
• Caleb (exasperated): "This show could be 10 minutes if we really wanted it to be. Here’s the thing, right? Budget, don’t spend more than you make, pay off your debt, smallest to largest. You’ll be fine." (31:34)
• Becca: "I think you just need to be a little bit humbled." (28:36)
• Caleb (blunt): "You’re a creature, but I’m still... Via your actions." (73:04)
• Caleb (on vacation spending): "I hope you get kicked out and I hope you get foreclosed on. It’s your fault." (42:37)
• Becca (on gifts): "It feels necessary. Necessary to me." (62:42)
• Caleb: "You are in the most privileged position of all of human history... and you want to say you’re entitled to going and having fun you just a little bit." (83:02)
• Becca (reflecting): "Yeah, maybe I need to grow up. That’s why I’m here." (53:53)
• Caleb (summary): "Debt minimum payments not including the mortgage is $1,456.90.94. Fun fact: that plus your mortgage, you would not be able to survive if grandma was not here. That's a reality." (89:57)

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Important Financial Segments & Timestamps

• Opening Confrontation on Providership & Privilege ([00:03]–[06:48])

  • Heated debate begins immediately about what it means to be a provider and whether Caleb can “comprehend” financial struggle.

• Income Calculation & Budgeting Methods ([01:00]–[07:10])

  • Becca describes her chaotic budgeting, inability to state clear numbers, admits to not checking 401(k) details.

• Discussion of Credit Cards & Debt Cycle ([26:35]–[41:11])

  • Caleb runs through credit card balances, high overspending, and Becca’s justifications for continuing to use credit.

• Vacations Taken (Despite Being Broke) ([41:41]–[44:00]; [47:55]–[69:03])

  • Becca admits to charging major trips to credit cards, then rationalizes them as deserved.

• Reality Check and Budget Breakdown ([86:07]–[95:43])

  • Caleb assesses Becca’s survival without grandma’s income, walks through monthly expenses, and concludes her budget is unsustainable.

• Final Financial "Score" ([94:44]–[95:43])

  • Caleb audits Becca's financial health across spending, debt, emergency fund, retirement, and real estate.

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Episode Structure & Flow

• The episode is energetic and adversarial, alternating between sharp rebuttals and moments of reluctant self-reflection.
• Caleb’s tone is at turns sarcastic, exasperated, and bluntly compassionate—he addresses Becca’s excuses and rationalizations head-on, refusing to coddle.
• Becca directs repeated jabs about perceived privilege, while also occasionally expressing a desire for help and insight, leading to several moments of high tension.
• The show ultimately pivots to practical financial planning, urging Becca to increase her income (e.g., getting licensed and changing jobs), and stop using credit for unnecessary expenses.

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Concluding Recommendations

• Increase Income: Obtain social work license, switch to a higher-paying job, and redirect all increases to debt repayment—not lifestyle inflation.
• Stop Enabling Family: Require transparency and set firm boundaries around enabling her mother’s financial irresponsibility.
• End Credit Card Reliance: Stop using credit cards, especially for gifts, vacations, and eating out. Use cash/debit only.
• Sacrifice Wants: Eliminate vacations and non-essential spending—no more "fun trips" or gifting until stabilized.
• Track Spending: Use a real budgeting app to categorize expenses and honestly assess spending habits.
• Plan for the Future: Build emergency fund, accelerate retirement contributions when possible, and be wary of future income shocks (e.g., loss of grandma’s support).

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Final Quote

"The reality is, you just need to go make more money. You need to get a different job at social work and then you need to throw all that money that you are making extra careful… You need to sacrifice for your life. You need to sacrifice for your life. You need to sacrifice for your life."
— Caleb Hammer (94:44)

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For listeners: This episode is both a cautionary tale and a testament to how emotional blind spots and persistent rationalizations can keep you trapped in a cycle of debt. It’s also a reminder that tough love sometimes means saying the uncomfortable truth, especially when class, family, and entitlement collide with personal finance.

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Transcript

[A]

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

[B]

It's kind of hard that, you know, I am a provider. I guess you don't really understand that as much now that, you know you have this big studio and stuff like that. So maybe you kind of can't comprehend that.

[A]

How can I not understand that?

[B]

You think businesses that are working multiple jobs to then afford taking care of themselves and their mother.

[A]

But I was there working multiple jobs in order to make my bills due.

[B]

And then you got out of it and now you're kind of losing that understanding.

[A]

You, who do you.

[B]

I mean, I think you just need it to be a little bit humbled.

[A]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. And for the rest of the month, I am paying for you to sign up. Sign up for Hammer Elite in the description or pinned comment below and submit proof of [e-mail] after that, I'll send you a 10 digital gift card that can be spent basically anywhere and in most countries. This is the best membership you'll ever join.

[B]

That.

[A]

That's a promise.

[B]

Hi, I am becca. I am 28 years old. I am from San Antonio and this is Financial Audit.

[A]

Thanks for coming up. From San Antonio. What do you do down there for a living?

[B]

So I work at a nonprofit with foster care and I'm also a provider. Salt too.

[A]

What is your job at the nonprofit, though?

[B]

I work in like a mentorship program, so I'm like an intake coordinator.

[A]

How many hours a week are you doing?

[B]

40 hours.

[A]

Okay. Okay, cool. What is.

[B]

Well, I guess full time for that. But I do also work with my grandmother as well too, so I'm a provider.

[A]

Doing what? Oh, so provider for her?

[B]

Yes, like a home health.

[A]

Okay.

[B]

Have you heard of home health care?

[A]

Yeah.

[B]

Yeah.

[A]

So what do you make from the first job?

[B]

I make around, I guess. I don't really know. I think roughly around.

[A]

Why the do people come on the show and not know their income somehow? Because everyone's from the audience. Well, what?

[B]

Well, I thought you would have known as well too, because aren't you supposed to study us? I don't know.

[A]

With the audience. They've studied you?

[B]

I think I make it around 13. 1390? Yes, without taxes.

[A]

1390.

[B]

Every paycheck.

[A]

So which is every.

[B]

So like I have to use a calculator, something.

[A]

What the is wrong with you? Why do you not know your own pay?

[B]

I just started working there back in April. So That, I guess.

[A]

Okay, so a few months. I'm not trying to.

[B]

And then I did just get a 401k as well, too.

[A]

So you coming on this show, you know, this is the first question. You're from the audience. How do you not know your income? I'm sorry for coming in out of the gate. Kind of brutal. But honestly, at this point, I'm a little annoyed. What is wrong with you?

[B]

Very valid. But, like, I.

[A]

How do you not know your income?

[B]

I kind of just look at my calculator. My. My Chase.

[A]

Look at your calculator, and I just.

[B]

Kind of calculate it for how much I have in my bank account. Really?

[A]

Well, no. No. What does that mean? Walk me through that.

[B]

So whenever I get paid, I immediately just check what I have in my account. I then put it in my calculator, and then I just.

[A]

Calculator, Explain. That's what you're doing with your calculator.

[B]

That's my budget. So that's how I kind of like, what's your budget?

[A]

Calculator.

[B]

So I go on my calculator with my money that I have, and then.

[A]

I'm on my calculator.

[B]

What am I doing? I don't have a little.

[A]

What am I doing here? Exactly.

[B]

I enter my money.

[A]

Like, how much you have, how much you're getting paid? What do you mean? Your current amount.

[B]

Payday comes in. I then just go.

[A]

So when payday hits, you go, can we talk? I'm trying to clarify, because your answers.

[B]

Don'T really make sense.

[A]

So your paycheck hits.

[B]

Yeah. Okay, we'll slow it down then. So payday hits, and then I go on my bank account, I see how much I get paid. I then enter that into my calculator. And then on the side of it, I have, like, my calendar of all my bills. So I look and see how many bills I need to pay on that set pay period. And then hopefully it's a positive at the end of it.

[A]

Hopefully it's a positive at the end of it. And how is this working?

[B]

It's been working decent so far.

[A]

You're on the show, which is great.

[B]

Yeah, I mean, it's been working so far.

[A]

Calculator. If you're typing your number in your calculator of what is hidden in your account, you should be able to tell me what is hidden your account.

[B]

So like 1390.

[A]

Like 1390.

[B]

Yeah. And it's because I just got a 401k, so I think they're taking 6% off.

[A]

Is that what you've Chosen.

[B]

It was a default, and I just went with it.

[A]

Is it matched up to 6%?

[B]

I don't know.

[A]

Do you know they're matched at all?

[B]

I don't know if they do match. I saw the paper, and I kind of just put in my backpack, which I don't think they match at all. I don't think so. It's a nonprofit, so kind of hard for them to match. But that could be a question I could ask. I should have asked maybe before coming on.

[A]

We've been in this since April.

[B]

Yes. Late April.

[A]

Okay, now.

[B]

And it was also in the middle of them doing a whole insurance and 401k change. So everybody's kind of clueless, too, of what's going on.

[A]

Just because you are doesn't mean everyone is. I feel like that's what happens with a lot of clueless people is they think because they're confused, everyone else is.

[B]

You know what? That's. That's very valid. But also, I think everybody is clueless.

[A]

Says the clueless one. 2,780 is what hits your account, according.

[B]

To you, with that nonprofit job, and then roughly around 550 to 580.

[A]

Now, how is that paid, specifically?

[B]

Direct deposit.

[A]

I mean, what is your employment contract? Is it, you know, how is that salary? How is it structured in terms of whatever, you know, whether it's a 1099 or, you know, W2, you know, taxing. Before your account hits.

[B]

You're losing me. I don't know. All of the above.

[A]

Because you have to pay taxes on it.

[B]

Yeah. So there's our tax. I do get a W2.

[A]

You get a W2?

[B]

Yeah.

[A]

For this?

[B]

Yes, for both jobs, yeah.

[A]

Good, good, good. So what hits your account from that job? A month?

[B]

Which one? My nonprofit?

[A]

No, the other job. The one you just said.

[B]

I get paid twice a month, so it's 550. Five.

[A]

Fifty twice.

[B]

Yes. Okay, so like, roughly 1200, right. Or 1100. I was the president of math club back then, but not anymore, so.

[A]

Back then?

[B]

Yes. Back in high school.

[A]

You know exactly what you're talking about when you say back then.

[B]

Yes.

[A]

$3,880 is what hits your.

[B]

Oh, okay. That's pretty good.

[A]

Okay. Yes. How do you feel living on San Antonio? That should not have taken seven minutes, I'll be honest. But. Okay, here we are.

[B]

I think it could have taken longer. Honestly.

[A]

Could have taken longer.

[B]

Yeah. Especially because I kind of don't really know my finances, and you're here to help me, so.

[A]

I'm here to help You. But I'm going in blind with the audience. I discovered this along the way.

[B]

And then cutting me off, so.

[A]

Which is also something I say every single episode.

[B]

Right. I mean, so you would know that.

[A]

So.

[B]

Yeah.

[A]

How do you feel living on $3880?

[B]

Pretty good, I would say. It's still like a paycheck to paycheck to me, honestly.

[A]

Why would it be paycheck to paycheck? Why are you paycheck to paycheck? What is paycheck to paycheck to you?

[B]

Just. Cause I do have a lot of bills and I don't just pay for my own bills. I financially support my mother as well too, so.

[A]

Yeah, but you're getting the. Oh, well, no, that's for your grandma.

[B]

No, that's my grandma.

[A]

What's wrong with your mom?

[B]

So she's on disability, so she. Or she has rheumatoid arthritis. She had a near death experience. Near death experience.

[A]

What is your support to her?

[B]

I pay for the house we live in, the electricity, water.

[A]

Yeah, but I assume she's getting some kind of disability, is she not?

[B]

She needs to be on this show as well too, but.

[A]

Right. I love when someone should be on the show when they're receiving government benefits.

[B]

Well, isn't that unusual? We know the government doesn't help that much, so.

[A]

Yeah, but why should she need to be on the show?

[B]

She also has a lot of credit cards, so it's kind of like a generational thing.

[A]

A bull probably.

[B]

Yeah.

[A]

So now she's getting assistance.

[B]

Yeah. Like the.

[A]

Seems like an interesting financial choice.

[B]

Yeah. So I mean, my. My mother just kind of raised us on her own, so she's a single mom. My dad was really never in the picture, so I kind of had to take that. That role growing up as well too. Just kind of being a provider for her. So. For her, yes.

[A]

Single mom's great. So I love it. Well, obviously I don't like want people to be a single mom, but it's like, good job you're a single mom.

[B]

Yeah.

[A]

You know, pat on the back. Love it. Good for you for making it work that you had to step in and be a partner. That's weird.

[B]

I mean, not definitely a partner, but she.

[A]

The way you were framing it was kind of that.

[B]

I mean, pulling my way, especially once I.

[A]

Pulling your way and helping the sibs. I get that. But you definitely framed it more as supporting.

[B]

Well, once she wasn't unable to work anymore, I definitely had to pull much more of that responsibility. And that's Just something. Me as a person, I definitely just love to help others versus my own, which I guess I'm helping myself now being here.

[A]

So with this calculating thing you do3880, how are you making a month? A month? How would you describe that, really?

[B]

Just kind of having a lot of financial bills. I mean, it's kind of hard that, you know, I am a provider. I guess you don't really understand that as much now that, you know you have this big studio and stuff like that. So maybe you kind of can't comprehend that.

[A]

I can't comprehend what I mean.

[B]

Well, look at where we're at right now. It's like a huge studio.

[A]

Yeah. That would mean more than other people because I have a big ass bill and 28 employees to take care of. That means I would probably understand it.

[B]

More than money to then get that I have to.

[A]

I have the need to budget it and have to go out there and kill things and bring them home in order to make sure people can pay their rent.

[B]

Have to live paycheck to paycheck to just pay for my survival needs.

[A]

I'm giving those paychecks. You don't think I understand budgeting and needing to make a bill?

[B]

Maybe you should pay your employees more too, then.

[A]

We pay pretty well.

[B]

I mean, I know someone's here working on their birthday.

[A]

Is it someone's birthday today?

[B]

You don't even know your employees.

[A]

I don't know everyone's birthday. It's Colton's birthday.

[B]

Yeah.

[A]

Happy birthday.

[B]

Happy birthday.

[A]

Congratulations. Adults work on their birthday. I'm going to cry.

[B]

I work. I work on a nonprofit and at least they give us our birthdays off.

[A]

If he wanted to request it, he could have. That's.

[B]

I wouldn't have to request it.

[A]

All choice. Okay. If they want to treat you like children, they can.

[B]

How is that treating like children? It's more.

[A]

It's a birthday. Who gives a. You have one every single year.

[B]

Caring for people. I guess you don't understand that.

[A]

You're right. I'm telling. I'm forcing him to have a week off in what, two and a half weeks. So I guess that's not good. Maybe two. And I'm losing revenue for that because we're not uploading that week.

[B]

I mean, that's totally fine. At least you still have the ability to lose a week. Because if I don't work a week, it's a struggle.

[A]

Yeah, but I'm making that sacrifice. Making less money in order to force everyone to have time out.

[B]

I mean, Just you saying that is very much like an out of touch statement.

[A]

I mean, what's out of touch?

[B]

Out of touch just because you have like all of this money and revenue that you can then pay for others.

[A]

What do you think a business is that has employees?

[B]

You think businesses that have working multiple jobs to then afford taking care of themselves and their mother.

[A]

What do mean? I. Well, not the mother thing, but I was there working multiple jobs in order to make my bills due.

[B]

Yeah, but your multiple jobs to make your bills do is because of your McDonald's. Isn't that what you tell everybody? You just spend money on McDonald's?

[A]

I went to McDonald's, sure, all throughout my life, but I had rent and college and utilities. I had to pay for all that for student loans and I was delivering, grinding on Jimmy John's. And then I also had side hustle.

[B]

Composing, got out of it. And now you're kind of losing that understanding that you know.

[A]

Can you explain to me how I'm losing that understanding though?

[B]

That the fact that I have to one live paycheck to pay.

[A]

Yeah, but how do I not understand that? Because you are claiming I don't understand that, but you're unable to adequately explain how I do not understand.

[B]

I think just from seeing your past videos like on Tik Tok and stuff like that, you just have. But are you able to say like you can't use credit cards, blah, blah, blah, blah. But I. It's so hard for me.

[A]

Hold on, you're losing your own point here. Not use credit cards. Credit cards can be a damaging tool to people. They people. And I always say, if you have.

[B]

No other reason, it's either starve or buy some groceries. Of course I'm going to use my.

[A]

Credit card if I have or buy some groceries. Okay, she went out to eat $500. That's starving. Or buy some groceries. You.

[B]

Okay, Obviously you don't know how it is to spend money on groceries and buying food for more than one person.

[A]

$500 eating out, that's groceries.

[B]

That's actually pretty good.

[A]

Not when you don't have money.

[B]

We live in Austin as well too. That's so expensive over here.

[A]

Okay, you don't live in Austin.

[B]

Yeah, in San Antonio, but much cheaper city. Yeah, and that's still cheaper than how it is in Austin.

[A]

What, what is that point? That doesn't make sense.

[B]

Because you don't understand. You're just so privileged now and now you're just feeling so out of touch.

[A]

So because I've made good money For a year and a half. All of a sudden I lose the other 28 years of my life.

[B]

I'm confused. Okay, obviously by your mindset.

[A]

What? What's my mindset?

[B]

Can you're feeling like this credit cards is so damaging.

[A]

Yes. Have you seen this show? Everyone's gone into credit card debt and they're damaging their lives. How would you advocate that? They're not damaging?

[B]

Because it's a means of survival. Most of the time I think. Okay, but you spent five people that.

[A]

Are spent 500 going out to eat when you could have put that towards an emergency fund.

[B]

How if it was something that I needed to.

[A]

You did not go out to eat. You did not need to go out to need.

[B]

Do you not understand what the word need for people? I mean just living in a hell all the time. I definitely would like to enjoy myself.

[A]

I'm not saying don't enjoy yourself, but now you're. You're having two pillars and you have to choose what you're doing. You're saying you can't survive or you need to enjoy yourself? Survival is different. No, not in your situation. Because if you're drowning in credit card debt and you have to go into more credit card debt in order to survive because you didn't save up for an emergency fund, then yes, you sacrifice a little and don't go out to eat. Unrealistic. I did it.

[B]

Okay, then show me how to do it. Aren't I'm supposed to be here? How am I supposed to be saving?

[A]

What? What do you mean? That's why.

[B]

How am I supposed to do that.

[A]

When you come in and you start fighting? What do you mean?

[B]

Okay, maybe we need to take a step back. Then maybe just utilize some soft skills. Huh? What are you talking about? Understand? Then how am I supposed to be using an emergency fund if I'm living paycheck to paycheck?

[A]

First of all, it's an emergency fund. It's for emergencies, not for fun fund. Yeah, little slip on your end. And that makes me a little concerned seeing how you spend.

[B]

Just because I talk a little differently does not mean my finances are going to be much better.

[A]

Huh?

[B]

I mean, you just made that that realization though, because of the way I talked. You're trying to scare my fun fund. Can you hear me? Clean your ears. Fund.

[A]

Yeah, play it back.

[B]

What are you trying to have me understand? Then how am I supposed to be using an emergency fund if I'm living paycheck to paycheck?

[A]

Ok, so the reality is if you do not have an emergency fund, Duh. That is an emergency. That means you cannot cover the expenses that pop up, especially if you are responsible for taking care of others, even if they are being financially irresponsible and you're likely enabling her. But that's a different conversation. So in that case, you would sacrifice the things you want, not need, to do what? So that you save up more money and you can cover those expenses so you don't have to use a credit card. Now, to address what you said about credit cards or, you know, some people have to use them for emergencies, don't get me wrong, there are positions where someone did not save up an emergency fund. And I believe throughout this show, a lot of that is more of a choice than people are willing to acknowledge. Let's say they didn't. Okay, yes, you open a credit card in order to pay for an emergency. Because I'm not saying starve, suffer, don't pay for those that are relying upon you. I'm not saying that. However, if you open up credit card in order to cover that emergency fund, you do everything in your power afterwards then to sacrifice, cut out your bull and pay off the credit card debt that you use for the emergency and then save up an emergency fund so.

[B]

You don't have the money to.

[A]

You don't have the money because you're spending it up. Bullshit, you dumb tit. What do you think you would have? Huh?

[B]

I just said I think I have good tips, but thanks. Sorry. You just got me there. Got me a little ego boost.

[A]

I could bring it down real quick if you want me to.

[B]

That's totally fine. I mean, I think that's kind of like your kink. So I think you do like to degrade people a little.

[A]

Degrade? I like a good roast and jab. Hee ha. He ha.

[B]

Yeah. Seems like you kind of get off of it. I guess.

[A]

You think I'm gooning under the table here?

[B]

Hopefully not. No. You definitely wait until later on, I guess. I mean, I think everybody else is thinking that's true.

[A]

Everybody else?

[B]

The people you're looking at, the audience. Yeah, that's what.

[A]

Dude, you're coming from a weird place, man. You are coming into this conversation a really weird mindset. I really don't get it. And honestly, unfortunately, it sounds like it's coming from a place of victim mentality. And when we are in a place of victim mentality, it is hard to get out of that because the reason.

[B]

Very much so. But I mean, I don't think you understand that I am constantly working to.

[A]

Keep saying, I don't understand. I've been where you are. I've been in a worse position. I've been in a better position.

[B]

So now you're not. And I think you're losing no sense.

[A]

So you're saying the moment that you start making more money, you will not be able to remember.

[B]

It really kind of depends. But like, once you get like that fame, I think that aspect just kind of tarnishes it.

[A]

I get recognized on the street, but my life has not changed.

[B]

Are you sure?

[A]

I have the same friends.

[B]

But you have to pay them now. Or what?

[A]

I employ two of them.

[B]

There you go.

[A]

Not the others.

[B]

But now you have the money to pay for friends.

[A]

Oh, okay. Well, I don't have applications online for friends.

[B]

Do you even have an application online for what?

[A]

Jobs?

[B]

Yeah.

[A]

Yes. What is the point you're trying to make? You keep saying these things, but I don't understand what you're trying to say.

[B]

I'm just trying to go with you. I mean, you're just kind of going all over the place. I'm here to get, you know, I'm.

[A]

Just easy to get sucked down a rabbit hole. If I'm being honest. You're okay.

[B]

Makes sense then.

[A]

I don't even know what you said. But what? Again, my concern is you come from a victim mentality. And because of that, it's gonna be hard for you to just accept, okay, maybe you shouldn't spend 500 last month on fast food if you were paycheck to paycheck. Survival. You're not entitled to that. You do not deserve that.

[B]

Well, then I'll give a out of that then, because I understand.

[A]

Don't spend money on fast food.

[B]

Or I'm confused, but maybe. Maybe you shouldn't use that word. You can use whatever the word definitely. Like I'm trying to get in this audience.

[A]

They don't cancel.

[B]

Are you sure about that? Yeah, we'll see.

[A]

Why are you on the show then?

[B]

To get help. I'm trying to get out of that victim.

[A]

And you started immediately saying, I don't understand. Why would you talk to someone who doesn't understand them?

[B]

Because I'm trying to get help.

[A]

But why would you be getting help from someone that doesn't.

[B]

Understanding that educational piece, you know, educational.

[A]

But you're not able to say what I don't understand. The only thing you're. You've said so far that I don't understand is what it's like to live paycheck to paycheck, even though I did the vast majority of my adult life and I've been successful.

[B]

Have you had to care for someone else with those paychecks?

[A]

I haven't had to care for a significant other with the paychecks. But what I am able to care for now is making sure I hit payroll every two weeks if revenues are up. Congratulations. I get to take home money if revenues are tight like earlier this year. Because guess what? Ads fluctuate like crazy. At the beginning of the year I didn't take home money but I made sure everyone else's payroll was hit. There was a couple months last year I did not take home money but I made sure everyone's payroll hits. So yes, I take care of other people.

[B]

Good. That's good. Then maybe then it's not me understanding fully then I guess.

[A]

Well yeah, you're an obnoxious I'm confused Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, why Refi is here to help? Unlike traditional lenders, why Refi is focusing on your desire and ability to repay, not just your credit score. With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments. WireFi also provides a cosigner release program, giving you and your family peace of mind. Their dedicated representatives walk you through each step, ensuring you feel supported and informed throughout the process. Thousands of clients have experienced relief and why refi's 4.6 star rating on Google speaks to the service and guidance they provide. This is more than just refinancing. It's a chance to regain control of your financial future. If you're ready to work toward a more manageable student loan payment, visit yrefi.com. discover how their tailored approach can reduce your stress, lower your interest, and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to yrefy.com hammer that's yrefi.com hammer or call 888-yrefi78 that is 888-yrefi78 and see how they can help you move forward with confidence. Yes, you obviously know nothing about my life, so I don't know why you're trying to tell me what I do understand and what I don't.

[B]

I'm really but you also don't know anything about my life either.

[A]

No, but I do understand your spending. And as I try to get to know the situation, you immediately come in and say, I can't relate. How do you know?

[B]

I mean, just looking at what you're doing Right now you're not really.

[A]

You said it's because we have a nice building. The is that. Yeah. We want to be able to recruit top talent and we need space to put people. What do you think businesses do? That's the dumbest thing I've ever heard in my life. And you think I'm not able to look at someone and relate to them because, hey, guess what? I was in a situation similar to yours. Not the mom thing, but situation similar to you. Actually, you made more money than I did throughout the majority of my adulthood. So actually that's a lot.

[B]

I have to work a lot. I work six days a week. I work at least 13. Congratulations.

[A]

Also a lot.

[B]

So I have to.

[A]

Also a lot. On your choice and the choice of the financial situation you got in by the actions you did.

[B]

Not just the actions I did. I had to go this way. I mean, it's just the actions you did.

[A]

You think you got into credit card debt all because of emergencies. As I go through the spending. Yeah, I've already called out the fast food spending. We haven't even talked about any of the other spending categories.

[B]

I mean, just because. I mean, I don't really have time to cook to really get you. No, I don't. I work from 9am to 10pm when do you expect me to cook?

[A]

No, you said you have Sundays off. You can meal prep. You warm them up.

[B]

Yeah, that's very unrealistic. It's a lot of money to then buy for the meal prepping, stuff like that.

[A]

250 bucks a month from HEB.

[B]

We know for a fact I want to enjoy my Sunday doing something.

[A]

Want, want, want. You're choosing want. I want you to as well, but you are choosing want over what you need. So you cannot come in here and cry and say you cannot.

[B]

Do you see me crying? I mean, I don't think I'm crying. At least not yet.

[A]

You came in here and complained that you can't do it. And also, I don't understand how you're at 13 hours a day if you're working 40 hours at the other. At the first job. Then the grandma thing, are you saying that's another. Essentially 27 now when you're with your grandma, you have no time to cook because I assume you make her food as well.

[B]

Yeah, I cook for her.

[A]

Great. So you can cook for yourself.

[B]

Yeah, So I. Then whatever I make for her, I eat as well too. So that's like my.

[A]

So that's a lie that you needed to go out to eat for $500, you immediately poked a hole in your own lie.

[B]

No, I mean, I'm cooking for her and myself. That's my dinner. That's it.

[A]

Then why are you going out to eat $500 a month?

[B]

Because I like to.

[A]

Because you like to. Because you want to. Because you care about that more than actually putting your life in a financially stable position.

[B]

Yes, I guess, but I can't relate to that. I can't just enjoy a Sunday and going to a restaurant.

[A]

I'm not saying that, actually. In fact, if you would like to go for it, go ahead and leave. I will support that life if that is what you're choosing. People come on the show because they want to change their life, fix it. And I'm telling you, sometimes you have to sacrifice your wants and put your needs above that if you want to live that life, I will allow that. Who am I to say no? Go ahead and do it.

[B]

A budget plan should definitely have some sort of avenue where you do have some wants so you're not just drowning and just.

[A]

If you can make it. When there is wiggle room, I give people wants. I give people subscription funds. Now, I never thought I would do that from the beginning. That's when there's wiggle room. If you can't survive and you need to, there's an emergency going on. No, you do not need a watch. I mean, why aren't you.

[B]

That's why I'm here.

[A]

Gotcha. Like, bingo said it, ladies and gentlemen.

[B]

I think I have already said it. I think just being on here is the reason why.

[A]

That's why you came on here and then within seven minutes said, because you are in a nice building, you will never be able to relate to my position. Even though I've only been successful for, like, two years.

[B]

Hey, that's two years longer than me.

[A]

Yeah. And from your type of mindset, you'll never be successful is how people like you turn out.

[B]

As long as, you know, you get me a financial plan, maybe I could.

[A]

Like, here's the thing. You say you use this budgeting thing, the calculator.

[B]

Yeah.

[A]

So what am I changing in my budget that is different than you being able to budget if you're already doing that.

[B]

I guess really kind of understanding how I can smartly pay off my debt. Cause I kind of just go by minimum.

[A]

You can't pay for day spending more than you make. There's no debt payoff there. You're the one who's already budgeting to doing a calculator. How much did you spend last month? The statements that we have, how much did you spend? What went out? We know. I came in about 3,880. Shopping is hard, right? But I found a better way. Stitch Fix online Personal styling makes it easy. I just give my stylist my size, style and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces, plus outfit recommendations and styling tips. I keep woodworks and send back the rest. It's so easy. Make style easy. Get started today@stitch fix.com Spotify. That's stitchfix.com Spotify what went out? What went out?

[B]

I don't know.

[A]

Go out. Come on, you're the calculator pro.

[B]

Once I type in the numbers, once I calculate it, I kind of just forget it and think it's paid. You know, I pay my. My minimum and it's good.

[A]

I think I'm able to relate to your finances more than you're able to relate to your own finances, because at least I know the damn numbers, probably. I mean, this is wrong with you.

[B]

I mean, I just don't like looking at the card statements and stuff like that. I just, you know, I pay. What's that minimum pay? A little bit over to think.

[A]

Yeah, okay, $5233. That's substantially more than you make. Substantially, like 1,400. $500 more than you make. So what the are you talking about? You're never going to be successful. You're never going to be able to get out of debt. You're never going to be able to take for other people. You say I can't relate to having to take care of other people. It's not even about that. It's you spending more money than you making it as a simple mathematical thing. Even if I grew up privileged, which, by the way, I did, and I had foreclosure notices on my house and we couldn't afford to do anything. Anytime we did, we went into debt and I had to borrow for every single cent of student loans. And I still have my student loans, by the way. And I've had responsibilities in taking care of. Of people and employees where I could have just been a selfish youtuber and just did this show and not do anything else and not hire more people so people can take time off and just did one job, one person per one job and just take home more money. Grubby, grubby, grubby. But let's say I did that my entire life and I was.

[B]

Now I can finally understand a little bit.

[A]

Or you just watch one video instead of being a stuck up.

[B]

But either way why do I need to watch a whole video if it's just the same?

[A]

Yeah. Why be informed on the topic that.

[B]

You'Re trying to talk about people on here that are just spending 20,000 on only fans. But you have someone that's here actually just trying to.

[A]

It's so rare that we have someone that spends money on I guess only your popular ones. Then you're talking about maybe a clip that popped off and you saw. This is why. Yes. Why be informed on the thing that you want to come in and immediately push back on. This makes no sense. These people. Guys, this world is full filled with morons. You know nothing about me yet you wanted to come in and tell me what my perception in this world is. You, who do you think about?

[B]

I mean, I think you just needed to be a little bit humbled.

[A]

You didn't though, because you came from a position of just ignorance. You knew nothing about me. If you want to humble me, bring something real.

[B]

I guess I don't have anything real.

[A]

But I mean do a little bit of research on the thing you want to talk about and then you can come in and do it.

[B]

Well, I thought I was meant to be here. Like a little bit genuine about my lifestyle and stuff like that.

[A]

I would love to, but you're the one who brought up that topic.

[B]

Then why can't I bring up that topic?

[A]

Because you brought it up.

[B]

Okay, then I apologize and I'm a little petty. No, that's fine.

[A]

And because you're.

[B]

Thanks. I mean that's. That doesn't really bother me whatsoever. I guess.

[A]

What? Having a terrible personality.

[B]

I mean, I guess takes one to know one.

[A]

Oh, I'm a bit goony, but we tell you that before you come on the show. You just watched a damn 10 minute video before you came into this room. And a five minute video that was sent to you before you even showed up here.

[B]

There was.

[A]

Well, that's your fault for not clicking a link.

[B]

I think that was just about finances.

[A]

No, it was about warning you what happens if you come on the show. And the personality about the person across from the table. You're a Mormon moron. What the is wrong with you? Do you not watch things? You don't do any research of the topic you want to talk about. You come in, you want to be combative, but you have no ability to even speak on it. I'm just so confused on your existence.

[B]

That's totally Fine. I mean, that's something. That's all. One thing. You constantly. But thanks.

[A]

And then the one thing you focus on is that he's working on his birthday.

[B]

I mean, he's a cool guy.

[A]

He is. We love Colton. Yeah, I like everyone I work with, or else I probably wouldn't be working here.

[B]

Not enough to not have his birthday off.

[A]

But if he wanted to, he could have asked me. What is wrong with you? I don't track all. When we get to 100 employees, you expect me to know every single person's birthday?

[B]

Yeah, that would be nice.

[A]

Well, actually, I don't really give a about birthdays, so Even if I have five employees, I want to know. But that's just me. I don't care about birthdays. I never have. Maybe it's because I, you know, I'm on Valentine's Day, so I just never really cared about my own. Yeah, it's a bad day for. Yeah, that one's less important. But, yeah, I guess.

[B]

I guess. You don't care about moms.

[A]

No, it's just. It's less conflicting with other things.

[B]

What? Cause you don't have a love life or.

[A]

Well, I do. I have a girlfriend right now, but, you know, it's like Valentine's Day. It's like you don't really go out and celebrate on Valentine's Day because everyone's coupled up and doing Valentine's Day.

[B]

I mean, everybody wants to be celebrating their mothers. Okay?

[A]

It's not a competition. Oh, my gosh. Okay, well, everything with you.

[B]

Let me go back to finances.

[A]

Okay, Dude, I. I tried to. The thing is. And I was talking about how much you spent more.

[B]

Right.

[A]

And came in. That's what I was trying to talk about for a second.

[B]

Well, let's get back to it.

[A]

Hey, the host.

[B]

I mean, I'm waiting for you to talk about finances. We've yet to get there.

[A]

We've talked about finances. We haven't talked about a specific document, but we've talked about your mindset around finances. We've talked about use funding more than you make. We talked about getting a credit card for emergencies. We talked about emergency funds. If you're suggesting we haven't talked about finances, you're a dumb. Who hasn't been involved in this conversation yet.

[B]

Obviously not. I'm just really trying to understand exactly what I should be doing. I understand that I am spending much more than what I am earning.

[A]

In reality, this show could be 10 minutes if we really wanted it to be. Here's the thing, right? Budget don't spend more than you make. Pay off your debt, smallest to largest. You'll be fine. Go on.

[B]

Cool.

[A]

That's the reality. Now we'll go through your statements and see what you actually do. And I will give my open and honest thoughts about it. I don't care if you're offended.

[B]

I never said I was. But.

[A]

Yeah, but look at you. Look how you come in. You were immediately offended about something that isn't even reality.

[B]

Thinking that it come from being offended.

[A]

Yeah, you came in here.

[B]

I just really don't think you are an understanding person. But you know.

[A]

But you're not able to say what I don't understand.

[B]

Thank you very much.

[A]

But you're not able to say what I don't understand.

[B]

Thank you very much for explaining.

[A]

You're not able to say what I don't understand. Are you able to say what I do not understand?

[B]

I don't think you understand having to then provide for multiple people in your family. Of course I know you understand having an employer and stuff like that, but that's totally different. Or employees. Sorry.

[A]

Yeah, it's different than having to pay rent for two people instead of one.

[B]

What do you mean by that?

[C]

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[A]

Well then take the train.

[C]

And brand new shows fat and fatter.

[A]

There is no one I would go.

[C]

Off brand behind the audit.

[A]

What? This was wild.

[C]

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[A]

Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials.

[C]

It's okay. It's worth it.

[A]

Yeah, it is.

[C]

Join Hammer Elite, the best membership on YouTube today for free.

[A]

You pay for rent for you and mortgage, but yes, mortgage. Okay, who. Who's on the mortgage? You or her?

[B]

Me.

[A]

Okay, so you have to pay a mortgage that you chose to take out and then she moved in. That's a little different. And she also gets government assistance by the way. What if she chooses to spend on bull and you choose to Enable that. That is on you. I hate this argument. Just because someone hasn't done a very specific thing, they have no knowledge of the world around them. That makes no sense. That makes no sense. I've never lived in Siberia. I know it's cold. I know I would want a jacket if I lived there. And I would tell someone they're dumb for not wearing a jacket. I think so you're never able to be informed on anything you've never personally experienced. That is the dumbest take that humans have constantly. Because humans get so offended by.

[B]

I guess I'll take it back towards it's not an understanding, but more of empathy. Just kind of, yes, you do understand in a similar lifestyle. But taking that empathy, I actually completely, completely disagree.

[A]

People might watch this and see that because I'm abrasive and everything like that. I don't have empathy. Here's the reality. I want you to get out of debt and be able to afford your mortgage so you and your mom don't end up on the street. I would say that is extreme empathy. Because I don't come at it and crying and baby you and pat you on the back and say, oh, everything you're doing, it's okay. Win it objectively. Is not. Is all of a sudden not empathy. No. I want you to have a better life. I want your mother to have a better life, your grandma to have a better life. And I want you guys to get to a better position.

[B]

Okay?

[A]

And that is requiring sacrifices and that actually leads to reality. That is better. And I believe that requires higher empathy. Even though it's not a empathy jerk off, it doesn't really matter. But either way, if you're freaking out whether or not you can pay your mortgage and I sit here and pack pat on you on your back, that is not helping you. That is not helping you. So I don't care if it's abrasive and not seen as empathetic. I want you to live a better life. And I can get you to a place where you live a better life. Like the vast majority of guests who come on the show. Median $10,000 paid off of bad debt in 10 months.

[B]

That's good. I hope I can get there.

[A]

I hope you can too. But now with the mindset you have where everyone else around you is an enemy and only you are a poor little victim in this world, so shut the.

[B]

I mean, I never said I was a poor little victim. You're the one that started off with that.

[A]

No, no, no, it's not. You you do. Oh my gosh. You're being actually a moron because this is what is happening. Just like you're essentially suggesting that no one's able to be educated or understand anything unless they've been directly involved. You are also saying that unless. Unless someone says, but I think you.

[B]

Are safe that way.

[A]

I am also saying you are equally as dumb in that human perspective unless someone says an exact word, like it's George Lucas writing someone's emotions directly on them in the prequels where they have to say what they're feeling. I know how you are acting in the words you're using, in the emotions you're using, that you come from a place of victimhood. Okay. I know that based on you. You don't have to say it. You don't have to say. Well, from my point of view, the Jedi are evil. I know that. You don't have to say it. Okay? You can say it through the rest of your dialogue and emotions. Okay.

[B]

Yeah.

[A]

My goodness. Just. Your entire worldview is just so immature. On how you. Everything is just the COVID of a book to you. It's so stupid. Where do you think you are in the World of Finances? 0 out of 10? 0 being the worst, 10 being the best?

[B]

Well, at first I thought I was like a five. I don't think I'm that really.

[A]

Were you ever worried about paying your mortgage?

[B]

I was.

[A]

Okay, you're probably not a five. Go on. Where do you think you are today?

[B]

Definitely like a two, maybe two or three.

[A]

But if you want your financial score, go to caleb hammer.com. it is free. All you have to do is go take the assessment and I'll tell you where you are in the world of finances. And don't forget, if you don't own my. I'm doing a plug. What do you want to say?

[B]

Okay, I'm sorry, continue.

[A]

And if you don't want.

[B]

I was just gonna say that I did take the score and it was a zero. I don't know if I did it correctly. I feel like it was kind of worded a little weird on the question, so.

[A]

Or you just can't read. Completely surprised this conversation. Trust me, a degree means nothing based on the people I've met on this show.

[B]

Obviously I know that because I work at a non profit, so.

[A]

Huh.

[B]

I do know that because I work at a non profit where I don't get money for my degrees.

[A]

Oh, good. Oh, ladies and gentlemen, she's.

[B]

Come on.

[A]

If you don't want to end up in the brain like her. Make sure you download our Dollar wise budgeting app, take your free trial and if you sign up for the annual version, I'll send you our budget friendly cookbook signed by me, mailed directly to you. It can't be purchased anywhere else. And remember, you can also get all of our classes for 80% off and the budgeting app premium version, if you sign up for Dollar wise Central, it is the one stop shop for all finances. It is incredible. It is incredible. And you do get that for free. Even though I actually don't want to give it to you because you came in here being a just absolute creature.

[B]

I mean, that's fine. I guess I can just utilize other.

[A]

I'm going to give it to you. I said I just. Just kind of don't want to in this moment.

[B]

That's fine.

[A]

Then discover it. Why are you on this show? Dude, I'm so confused.

[B]

I mean, you're the one that agreed for me to be on.

[A]

Me personally, I don't know who the is coming on this show. I have a team. Remember when we talked about the team? You think I'm directly involved in everything? No, I delegate.

[B]

But they obviously have a certain.

[A]

I'm asking why you're here. You answer a question.

[B]

I applied.

[A]

Why did you apply, you actual animal? Because are you incapable of answering a question? Why are you here?

[B]

I was answering it. I was. Maybe if you stop yelling for a second, maybe I can answer it.

[A]

Please go answer. Try, try.

[B]

For finances.

[A]

You're here for finances?

[B]

To learn about how I can budget.

[A]

Then why are you coming out and fighting? It makes no sense. It makes no sense. Oh, you're a horrible creature. Discover it. $7,511.77. You say you're in credit card debt all because of an emergencies. Maybe that is correct. Maybe it is not. I actually do not know. Again, I come in blind with. With the audience. The team puts together your finances. Okay. It's a little journey. We go on it together.

[B]

Yeah.

[A]

Well, why are you purchasing $430.28 when you can't even fully pay off your card and it is accruing $153 and 92 cents of interest and if it is accruing that much and you cannot fully pay it off and it takes how long to pay off? Minimum payments only without any purchases which you're incapable of, how long does it take to pay off?

[B]

I don't know. I don't look.

[A]

Of course not. Why would you look? 31 years. You're going to be approaching Retirement, you.

[B]

Pay a little bit more than minimum.

[A]

Doesn't matter because you purchase way more than you put towards it. That absolutely counteracts it in every way whatsoever. So again, I will ask this question. Why the are you possibly purchasing on a car that you cannot fully pay off, that is accruing interest that gets you to your retirement age by the time this is even paid off with minimums only?

[B]

I mean, this is just like, essentially my survival card. Really? What? I pay a lot of survival cards.

[A]

So this is emergencies, like you suggested before.

[B]

Yeah, and I do, like, I utilize this one for, like, hacks as well, too, because if you say it's for food and stuff like that, I use it a lot for, like, with my grandma, she gives me her debit card to pay her groceries. I'll say, ooh, I casually forgot her card. Use my Discover card to then get cash from her and put that in my debit card.

[A]

You cash advance from this to put.

[B]

No, like, I use my. My credit card instead of her debit card to then get cash from her.

[A]

Okay. I'm being told about a critical emergency you put on this credit card recently. Taking your boyfriend to Hawaii.

[B]

I mean, guys.

[A]

Ladies and gentlemen, she's a victim. We can't relate. You're right.

[B]

That's my first time outside of Texas.

[A]

I don't give a. You chose an expensive thing you could have gone to. Damn Arkansas.

[B]

Well, he had a school conference to go to.

[A]

Okay, congratulations. You did not have to go. I'm not gonna cry about you not being able to pay your mortgage if you're choosing to fly to Hawaii.

[B]

I mean, I did want to go. I mean, I. I still was working while I was there.

[A]

It still costs you money. How do you not understand this? I am so confused.

[B]

I mean, I was in an internship at that time, so I was still getting my internship hours. So I did pretty much essentially finished.

[A]

You cannot come on here and say, I cannot relate to you. And you struggle to pay your mortgage. If you're paying to go to Hawaii, out of all the 50 states.

[B]

I mean, a fun trip while also working and no empathy.

[A]

I hope you get kicked out and I hope you get foreclosed on. It's your fault.

[B]

Thanks.

[A]

It is your fault. It is your choice. Now, if you were sacrificing and you were grinding day in, day out and you were cutting all your fun and you were still struggling to survive, that's where I would come in. I would hold your hand and I would cry with you because that sucks. However, you're just choosing to go to Hawaii off. You're not struggling. You're not in a position of struggle. You are not a victim in this world. You are self inflicting pain upon yourself. I want to hear nothing from you ever. And you're right. I actually can't relate with that because I never went on a dumb vacation that I couldn't afford because I wasn't a moron.

[B]

I mean, I still was working and I still got my interest.

[A]

How much did you spend on this trip?

[B]

Like 1500. We split it in half.

[A]

$150 that you cannot afford. You could have still been working, doing your internship from home without spending 750. So it doesn't matter if you're still working. Doesn't matter.

[B]

I mean, everybody deserves a vacation after a while. This is my very first time ever.

[A]

Humanity is. I'm so confused. We are barely born just fighting survival in this world. A few hundred years ago you would have been.

[B]

I just wanted to treat myself. I've been working hard constantly.

[A]

I want you to go on vacation. I celebrate vacation. I hope you do. You do not deserve it or entitled.

[B]

To it from working hard constantly. I, at that point I was.

[A]

You are entitled to your pay.

[B]

Two jobs. I was doing two full time jobs.

[A]

Congratulations. You're entitled to the paycheck that you got from it. What you choose to do with it. What you choose to do with the paychecks that you receive is up to you and not an entitlement.

[B]

I don't give a. I don't think it's entitlement. Whenever I feel like I just can have.

[A]

And you're struggling to pay your mortgage. I think that is you feeling like you're entitled and wanting to live like everyone else when you simply cannot afford to. And it is not something that you are all of a sudden bestowed upon in this world. When you are born saying, oh, you get to one. Hawaii, you get one. Florida, you get one this that is not assigned to birth. You are not entitled to art. You are not deserving of it. I hope you get to do it, but you make the sacrifices in order to do it.

[B]

Yeah, but I feel like I've been constantly doing sacrifices. I think. Am I going to just keep on doing those sacrifices and not.

[A]

No, apparently you keep on doing the moronic bull. Because I'm also being told there's another trip on the horizon.

[B]

Similar mindset. I guess it was another conference.

[A]

This whole area.

[B]

Yeah.

[A]

What a joke. You're going to cry when you're 59 and a half or 65 and you didn't put any money aside for retirement. You're going to be like, I mean why are other people paying taxes so I can ret. Because you chose to go on vacations now instead of actually sacrifice like the rest of us. You, you entitled brat.

[B]

I mean at this time in this government, I don't think I could retire at 59 or 60.

[A]

You could if you saved and didn't spoil yourself constantly. 100% you could compound interest is on your time, time is on your side. Then you can, you are choosing the fun, you are choosing the now. And then you're gonna come crying and say the rest of us have to take care of you when you did not prepare for retirement.

[B]

I mean I'm definitely not going to take to say that.

[A]

Yes you will. Everyone does. Everyone, I guess does. Because the moment you become old and you're working in a Walmart, it becomes sad and we all empathize with it. And it's like, oh no. Where if we look 30 years back we saw that you were just choosing to around in life and you didn't say for retirement while the rest of us actually sacrifice our wants for our retirement and then we have to give more for you and it's.

[B]

I think you're definitely gonna hate that I am planning a trip to Chicago as well.

[A]

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[B]

I mean I grew up on the south side too, so.

[A]

Of Chicago?

[B]

Oh no. South side of San Antonio. But I am going to go to Chicago. I am gr. I did graduate with my master's in social work.

[A]

Aren't you doing social work?

[B]

I am doing social work.

[A]

What's your job again?

[B]

I work at a non profit for foster care.

[A]

What's your job?

[B]

Foster care?

[A]

Yeah, social work. It is pain. Not in the nonprofit space, but it is paying better than it has historically. Historically it's been a pretty bad return on investment for degree, but it is better these days. Why don't you go and work, you know, for the state?

[B]

Essentially I did work for the state.

[A]

And why don't we go back to that?

[B]

Because it's a very toxic mindset. It's very negative, stigmatized by who? By everybody.

[A]

It's who's going to you and being like you're an evil person for being a social worker.

[B]

Every person that I would have to.

[A]

Meet the people that were assigned to you. Is that what you're saying?

[B]

Yeah.

[A]

Okay.

[B]

And you definitely. I think I'm just too much of a nice person to work for the state because there's very much that stern mindset or if you're a nice person.

[A]

You would sacrifice on behalf of others.

[B]

I mean, I guess that's kind of what I do.

[A]

Still doing a little bit of an income sacrifice, but not a sacrifice of not enjoying your job as much. I get it. Social workers definitely go through a lot. You get put in situations that kind of suck. I definitely kind of.

[B]

Social work isn't just working for the state as well too. There is.

[A]

I know there's a lot of jobs, but I'm saying you could be making more money than you are now and that could help you get out of there. However, with you, you would only spend more money.

[B]

Yeah, I eventually have to get there, but, like, I do have to spend more money to then make that money.

[A]

Okay, you're spending money on Hawaii and Chicago and 500 in a month. Going out to eat. Shut the up.

[B]

I mean, I do want to really walk the stage and, you know, show that I have graduated just for my.

[A]

What?

[B]

I got my master's in social work, so that's.

[A]

You already have it, so. What the are you talking about?

[B]

The commencement ceremony is in September in Chicago.

[A]

Okay. I'm not horribly opposed to that. Chicago's so much cheaper than Hawaii.

[B]

Actually, it's gonna be around the same amount.

[A]

I bet when you were spending money in Hawaii. I guarantee it was more expensive.

[B]

No, because, like, I. It was like, around 1300 for a week. Resort in Hawaii, if I want to. I guess I'm not paying for all of it, but my boyfriend, mom and I. It would be roughly like 1500 for a trip in Chicago.

[A]

Whose mom? Your mom?

[B]

My mom?

[A]

No, I would hope on disability.

[B]

Yes.

[A]

We're funding this.

[B]

Yeah, she wants to see me at the stage.

[A]

So you went to school in Chicago?

[B]

It was online.

[A]

Do you have to do this? Is this really a necessity for life? I'm just saying, like, because of the life you chose to live, now it is harder for you to be able to afford to do that, and that is kind of the consequences of your own actions.

[B]

Right.

[A]

So it's kind of hard for me to care. You need to give things up and actually start taking care of your.

[B]

I mean, I already purchased my cap and gown. I already put in the $50 graduation fee, so might as go for school for Chamberlain University. It's actually a really great school.

[A]

Maybe. I don't know. It doesn't really matter. Regardless.

[B]

Yeah. I mean, they are stationed in Chicago, so that's why they have their graduation in Chicago.

[A]

Yes, I assumed as much. You know, that's such an irrelevant point.

[B]

I don't.

[A]

Okay, so let's see. $430 of purchases. 28 cents for all emergencies. She said does. Let's see. Denny's, Texas Roadhouse. Critical emergencies.

[B]

That was going out to eat with friends.

[A]

Also known as an emergency.

[B]

I mean, if I do want to spend time with my friends.

[A]

Want?

[B]

Yeah.

[A]

Want.

[B]

Okay. Well, sometimes I feel like I need to have some breaks.

[A]

Breaks? Yes. Breaks do not require going to Denny's, though.

[B]

I mean, if my friends want to go out, I'm definitely going to go with them.

[A]

Want?

[B]

Yeah.

[A]

Want. You do not need to go out and I'll me up some Denny's. Don't get me wrong.

[B]

I can tell. Yeah.

[A]

Okay. You're fatter than me. Yeah.

[B]

Yeah. Well, it's either spending 500 on Ozempic, so. Do you want me to do that?

[A]

You could just diet like, I am. I'm down like £16.

[B]

I'm diagnosed with PCOS and a binge eating disorder, so.

[A]

Okay, so you're saying you can't diet.

[B]

I mean, it's very hard to lose.

[A]

Yes, it's hard for everyone to lose weight.

[B]

Yeah. And I'm not saying that it isn't, but it is still hard to lose weight.

[A]

Okay, so diet 45. Like, if that's what we're gonna say. If. If the pushback is, sacrifice some of your wants so you don't go in debt. No, I want to do this. Then go do it. If you sacrifice and do a. Work a little harder because of your diagnoses to diet and do a little harder sacrifice than other people would have to do to live a little longer. Oh, but I can't. It's hard. Okay, then go die of 45 with heart disease.

[B]

I mean, that's your choice.

[A]

I'm not gonna fight you on that.

[B]

That's just like my. My mindset. I'm a provider. Endless victim.

[A]

Endless victim. I can't. It's hard.

[B]

I like to pay for my friends sometimes. That's fine. I mean, I'm not gonna expect them to pay me back by any means.

[A]

But stop paying for your friends. It's as easy as that. I mean, you just can't. And I love them rolls. Texas Roadhouse me up. You know, it's mainly the butter. Can we talk about that butter?

[B]

Yes.

[A]

Oh, my goodness. That butter. Yeah, that butter.

[B]

Yeah. But also the little. What is it? The onion blossom Guinness mistake.

[A]

Okay, listen. You just can't afford to the. And you trying to set this up as being emergencies is a lie. It's a lie. And it's you trying to immediately deflect what is being spent on here. And everything you do is a joke. And then you try to come in here and be like, I can't. It's hard. Shut the up. You're just. You're being a baby. You're being a child. You are a financial child. It doesn't make sense.

[B]

I mean, I guess that's perfect for the show then.

[A]

Perfect for the show.

[B]

Yeah. Maybe I need to grow up. That's why I'm here.

[A]

Oh, my gosh. Is she just rinsing and repeating catchphrases. I don't know.

[B]

I don't think I am.

[A]

Listen, I'll get you. I'll get you access to the fizz cards, the debit card that builds cards, so you can just close these.

[B]

I mean, I definitely don't want to close my Discover.

[A]

Yeah, why would you want to just close something you can't manage?

[B]

That would really impact my credit score, too. That's my oldest credit card. I have a credit limit of like 17,000.

[A]

You have a mortgage. What are you trying to have good credit for?

[B]

I mean, definitely hope to one, sell this house and then get a new. A better house.

[A]

When. What? You're afraid of not being able to pay your mortgages because you're in control with your spending? You can't control it worth anything.

[B]

I mean, it's just.

[A]

All right, I'll gift you also a course career as accounting degree so you can do accounting for your own accounting certification so you account for your own money. Okay, great take, dude. You think you can get a more expensive house?

[B]

Definitely not a more expensive thing. You can be in better in the.

[A]

Sense that better house usually equals more expensive house. Especially with where interest rates are compared to where you likely got this.

[B]

Yeah, well, I mean, I guess this house was very much like an impulse buy. I just needed a house.

[A]

Buy a house. You could have rented a house.

[B]

I was renting, but it was.

[A]

You did not need a house.

[B]

It was just much more expensive. Ironically enough, it was much more expensive to rent than to own, but you did not need.

[A]

And now you're afraid of not paying your mortgage. And that is not how houses work. Even if your payment is a little less, if a repair happens. Roof, ac, heat, water, it's all on you. Exactly. So, no, it is not always more expensive. Even if it is literally on paper.

[B]

Fix my own.

[A]

You need to pee?

[B]

No. Fix my electricity.

[A]

You need to fix your electricity. What does that even mean?

[B]

Yeah.

[A]

Have you not paid your bill? What are you saying?

[B]

I know there's some electrical problems in my house because they definitely did run to build. I have no idea. I just don't want to afford an electrician.

[A]

You don't want to be able to afford an electrician. Great. Okay. Oh, ladies and gentlemen.

[B]

So I guess maybe put that in the budget to afford an electrician.

[A]

And your mom struggles. She can live there. Well, nice and easy.

[B]

She has rheumatoid arthritis, so she has to go up the stairs.

[A]

So why'd you.

[B]

That's why it was an impulse buy.

[A]

Is there Not a bedroom on the main?

[B]

No.

[A]

Why'd you get a house like that for you and your mom if she has to go up the stairs?

[B]

I didn't think about it really. It was just kind of like I thought about. Yeah, I know. I thought about needing a house for us and then the next day.

[A]

What the.

[B]

Got a house.

[A]

You bought your mom's cremation plan on that last credit card?

[B]

Yes.

[A]

Well, she's alive.

[B]

Yeah. It's much more affordable now to get it, so I mean, she's had, you know, near death experiences and stuff like that, so might as well plan ahead.

[A]

So spending that you can't afford, as simple as that.

[B]

We never know what's gonna happen.

[A]

No, we don't. But I know you can't afford it right now.

[B]

That's why it was on a credit card card.

[A]

Well, that makes no sense because I couldn't afford it. That makes your minimum monthly payment higher. Well, yeah, makes it harder to afford for you.

[B]

I get that.

[A]

Oh my, oh my. She's so broken. Amazon.

[B]

See, I got my Amazon card. I thought you would like to have a backstory. And I got it because of Prime Day. They if you sign up for an Amazon card, you would get a $200 gift card. So I got the credit card and I did not spend the total amount of 200, so.

[A]

Well, thank you for making my Amazon stock go higher. $3355.86 is out on here with a minimum monthly payment of $101. 14 years to pay off if you don't purchase. Oh, guess What? We purchased $250. Well, $67.90 of interest accrued. Please tell me, were these emergencies? What will I find on the other side? Because I literally do not know.

[B]

A lot of it was really just gifts for people.

[A]

You, you, you, you gift your mom you being able to pay the mortgage so you guys don't get evicted. What is wrong with you?

[B]

I mean, give other people too and then also back to like my grandma.

[A]

Understand what I'm saying? Ever.

[B]

There's a few gifts on there that my grandma paid for me to get. So I also have credit card.

[A]

You have to take care of all these people that you have to take care of or get assistance of others are all of a sudden going and blowing money on all this. Great. I love the system we live in.

[B]

Yeah, I mean, I didn't make it.

[A]

Of course, but I mean she enable it, of course. How you allow your mom to live with you and you subsidize her lifestyle. Even though she spends all her money on bull that we give her?

[B]

I mean, not really. She has a lot of debt.

[A]

You told me she has a lot of debt. And I know it's based on bullshit.

[B]

I mean.

[A]

Yeah, exactly.

[B]

I don't really know about her finances that much, so.

[A]

Great. So should you be supporting her if you're not willing to vet her finances? Because who knows what you're supporting?

[B]

She's my mother. I'm not gonna.

[A]

She's your mother. You love her. Loving your mother and loving a kid, loving a sibling means sometimes having tough conversations and making sure you're setting them up for success. How old is she?

[B]

She's 65.

[A]

Okay. Paul, @ your Amazon.

[B]

Oh, no, let's look for it. See, at least I don't have it on the home screen, but have fun.

[A]

That's a Android. I don't know how to start a screen recording on here. Do you?

[B]

Oh, my gosh, yes. Do you need a screen recording?

[A]

Yes.

[B]

All right.

[A]

Random surprise gifts for your boyfriend. Yes. This boyfriend thing. And you guys do not live together?

[B]

No.

[A]

How long have you guys been together?

[B]

Five years.

[A]

Okay. Are you guys gonna move in together?

[B]

Eventually. I mean, he's.

[A]

Because here's the thing with you crying about having to use supporting other people. You'd typically be in a dual household income situation five years in.

[B]

I mean, he definitely has to take care of others as well, too. He has a family he cares for as well.

[A]

Yeah, but you guys can take care of them without living with them.

[B]

It's kind of hard for him to take care of his family without being there.

[A]

We'll see. I, like, I don't even know if I believe that. Honestly, with the way that you set up the world, I. I don't know. Waterproof phone case, pouch. Great. Looks like we're going paddleboarding.

[B]

Well, I wanted to go to Six Flags for, like, the past three weeks.

[A]

What the is wrong with you? Why is that more important? I don't understand. You're broken. You're broken. 90 day supply of in sital.

[B]

See, that's. Okay. Now that's definitely a plus. That's to help with my pcos, so it blocks cravings.

[A]

So I'm good with it. I'm good with it. It's not working. Silver.

[B]

I just started. I do not see the date that I purchased it. I just started it.

[A]

Okay, you just started a silk Words men swim trunk. So gift. We definitely don't need to be doing that. Good thing there's a return starter for these shoes because you certainly shouldn't be getting that.

[B]

And they're just sitting in my car.

[A]

Unbelievable. Birthday card. Nope.

[B]

So I got that funny birthday card for women.

[A]

Nope.

[B]

Those were just gifts that I got reimbursed.

[A]

22 inches. Summer wreaths. Nope. Grow lights. Nope. Shouldn't be having plants if you can't even afford to pay the own mortgage where the plants live.

[B]

Well, the plan was a birthday party.

[A]

Shut the the up Solop Pain relieving patch. Yes. That one is okay. Acne foam. Okay. That is fine. Long life miniature bulb. Yeah, yeah, yeah, that's fine.

[B]

I think a lot of those women.

[A]

You know, hit or miss, that's a gift. And Aala, definitely not a gift. I don't care. That doesn't mean it's necessary.

[B]

I'm a gift. Is not.

[A]

I don't care. You're gifting yourself, getting yourself out of debt so you can get more gifts.

[B]

I just love to show appreciation.

[A]

Hey, give the taxpayers you saving for retirement so we don't have to take care of you.

[B]

I do.

[A]

But you just started. You just started contributing your 401k. I mean, and it's only 6%. That is not going to get you there.

[B]

That's definitely a lot of money, though.

[A]

It should be minimum 20% though.

[B]

Yeah. I can't live off any chance.

[A]

Yeah, because you blow all your money on gifts and food and you got yourself in debt for gifts and food.

[B]

I guess if you get rid of.

[A]

That because you want to go to Six Flags. How about we want to go to Chicago to walk across the stage for.

[B]

An island because you wanted to go to Hawaii.

[A]

People can't even afford to go usually. And you think I'm going to get canceled for this episode. Guess what? All the white women out here hearing you as a white woman saying you're going to Hawaii, oh, they're going to murder you. They're going to report you to your workplace.

[B]

Okay.

[A]

No one gets more offended about people going to Hawaii than white women that have never been to Hawaii.

[B]

Valid. But also, I mean, I just really, just. I. That's really what I do for. Nope. Canvas gifts.

[A]

Nope. That does. You don't have to say it's a gift. If it's a gift or not a gift, it is equally unnecessary and you don't need to do it. And it is holding you back instead of necessary.

[B]

It feels necessary. Necessary to me.

[A]

Feels. I don't care about feelings. Feels mean nothing. Nothing.

[B]

We're just talking about being empathetic. That's a feeling.

[A]

Yeah. I don't care. About your feeling of being a dumbass, though.

[B]

It's not being a dumb.

[A]

You just complained about how you cannot afford the adequate amount necessary for retirement. You cannot get gifts. Okay, first of all, definitely not necessarily because. Ew, women. Short sleeve nightgown, maybe. I'm sure you had other clothes. Birthday gifts. International birthday gift. No.

[B]

Nope.

[A]

Cool wind, Candles, sun scratches. Nope. Mousepad? Nope. Return complete. Okay. Shower drain for hair. Sure, I'll accept that. Pray everything. Wooden sign? Nope. Acrylic? I don't care. You don't have to say that means nothing. Why do you still think that means.

[B]

It means nothing to you, but it means something to me.

[A]

Okay, because you're stupid and incapable of making any sacrifices in order to better your life. Set yourself up for success. You can care for your friends without endlessly getting them gifts. I promise. What a joke. What an absolute joke. Okay, it was that bad. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Going into debt for gifts. Paying 23.49 interest on gifts. You're gifting again, my stock price. Thank you. And trust me, I really got to go get those stocks going as high as possible because I'm going to need a lot more money. Because in order to live the lifestyle I want to live after they take the taxes necessary to fund your retirement because you decided to live like a child is going to be substantial.

[B]

Okay, that's fine. I mean, you're just kind of going back to that time where you just feel like you're out of touch with everyday person. I mean, out of touch.

[A]

You just saying tire.

[B]

I know definitely I can retire, but saying that I just can't do and purchase things for gifts.

[A]

Not saying you can't.

[B]

Because every day over retirement, an everyday person is going to purchase gifts for people.

[A]

An everyday person can be an adult and sacrifice.

[B]

Not everybody.

[A]

You're saying not everybody can be an adult.

[B]

Well, of course they're going to be an adult, but not everybody can just have that money afforded to them where they can just use their debit card constantly. If I'm gonna use my Amazon credit.

[A]

Card, a gift is not a requirement for the existence of survival. But if that was being spent on literal groceries. 250, which you can do at H E B. I will give you the meal plan after this show. It can literally be done. But we give 300 for it. Congratulations. You can make that work. If you did that, that, and did that only on credit cards because you cannot afford to survive, that is where I would say, okay, how can we fix this? But you do not Need a gift to survive. Do not bring that up again. It makes you look like a. I'm.

[B]

Not saying it's a gift to survive. It's just something that feels important to me.

[A]

Feels? Feels. Feels important. You did not say is important because you know it is not. You know, it is literally just a feeling show. Shut the.

[B]

Do you not like providing to others?

[A]

I do. I can afford it. I put it in a budget and I make sure I sacrifice in order to make sure I'm able to live without leaning on other people. Which you will be leaning on other people throughout the rest of your life before I allocate money to giving.

[B]

I mean, I'm not really living off of other people.

[A]

It will be because you are not sacrificing now for the later. Have you not heard this conversation so far? We're an hour.

[B]

Have you not heard about our government? I don't think I am going to be living off of other people.

[A]

What do you think Social Security is? The only Social Security that goes out is immediately what is paid in. Huh.

[B]

It's definitely getting cuts constantly.

[A]

So I. I guess good retirement age is being extended in order to make it continue to go out. Social Security isn't. What do you think Social Security is? It is its own separate tax. It is money that is immediately taken out and then given. It doesn't sit there and even accrue anything because we. That up in the 90s. Hardcore.

[B]

Well, yeah.

[A]

What do you think that is?

[B]

I just. You.

[A]

You don't even know.

[B]

They're going to continue to cut. They're going to continue to cut off.

[A]

Are they cutting the Social Security tax that I'm not aware of?

[B]

No.

[A]

Please. Oh, okay. Then what?

[B]

No, I mean the funding that's going to be given to people that are in need of it.

[A]

What do you think Social Security is? It is paid through a separate tax.

[B]

Okay. I just didn't know that. But great.

[A]

I love when we again speak on things that we literally know nothing about. Why have an opinion on something you.

[B]

Nothing of you can have an opinion regardless. So I really appreciate you educating me on it. I mean, that's great.

[A]

So you want to be uninformed. Great.

[B]

I obviously thanked you for educating me. How is that made?

[A]

You can have an opinion on things.

[B]

You can have an opinion. But I'm glad that you educated me on it.

[A]

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[B]

Yes.

[A]

What's going on with this?

[B]

I got that one really kind of just for funsies. Just to apply. And then I got a credit limit. I really wanted to. Just Funsies. Yeah. Because I was using my. My credit card utilization. It was like around 40% that I was using and it suggested getting a credit card to lessen that utilization. And it did for funsies.

[A]

No one. Someone says getting a credit card for funsies. I'm gonna murder you. Well, before you even get the chance to get murdered in Chicago. I mean, and I love Chicago, by the way.

[B]

I mean, I think a lot of people would say that.

[A]

Would say what? Funsies.

[B]

That they're, you know, getting a credit card just to get one.

[A]

Just. I don't know.

[B]

Well, it did. Did increase my credit score and.

[A]

Yes, yes, but a credit score is literally just indication of whether or not they can make money off of you. It is a game. You are telling them they can make money so they're like, yippee.

[B]

Yeah, that makes sense.

[A]

You have $2,676.42. Maybe I need to. What. What the were you possibly going to say?

[B]

I don't think I was gonna say maybe you kind of already cut me off. I kind of forgot.

[A]

Rent of a goldfish. Okay. 81.45 minimum monthly payment. $54 of interest to Korean. Thank. Not purchasing on here. Thank. Oh, I mean a trip to Minneapolis on here. Out of all places. Wonderful. What are we doing? You're Traveling every second of your life and you're complaining that you can't afford life and no one can relate to it. No, you're just blowing everything.

[B]

Not every second of my life. These were the first two trips I've ever taken.

[A]

Yeah, but now you're doing it like crazy. Well, you're still complaining that you have to take care of others and no one can relate to it. Shut the upper up.

[B]

I mean, just because I want to explore a little bit. That's what I want to explore. What I want to explore.

[A]

Exactly. So I'm not going to have empathy if you can't pay your bills because you are choosing to go on trips everywhere, including, again, out of all places, Minneapolis.

[B]

It was a school conference that wasn't reimbursed.

[A]

Why were you going to a school conference?

[B]

My boyfriend at a school conference.

[A]

Your boyfriend? Okay. Oh, did you pay for your boyfriend?

[B]

It was both of our birthdays, so.

[A]

So it wasn't for conferences for your birthday, you dumb.

[B]

You. It's around the same.

[A]

So you're saying. Yes, you paid for his trip.

[B]

Yes, we were flying on his birthday, so.

[A]

You absolute creature. You absolute creature. Oh. The only reason you're able to still be employed. Because the nonprofit was set up as a nonprofit to employ people.

[B]

Oh.

[A]

Oh. Is that its true purpose? Is that its true purpose? Am I donating to this nonprofit to just employ you and it's a like, make a wish employment. Oh, my gosh. Cause no employer would keep someone around you.

[B]

I think I'm pretty loved at my. At my job.

[A]

Yeah, they're making you feel loved. Cause it's a make a wish job. Oh.

[B]

I mean, it's supporting other people. And I like to support people.

[A]

How? You can't even support yourself. In what world are you the person to take advice from?

[B]

I would gladly support others over me, which I know.

[A]

But if you are capable of even being able to advocate for yourself and do your own life right. Who the is going to listen to you? Who are you to be an authority?

[B]

No one's meant to listen to me.

[A]

Who are you supporting?

[B]

I'm supporting my friends. I'm supporting people that have experienced foster care.

[A]

Were you in foster care?

[B]

I was not.

[A]

How could you speak on foster care? You can't relate to them. You weren't specifically there.

[B]

I never said that.

[A]

That is exactly what your worldview was for me, so shut the up. Because at least I was in situations similar to yours. You were never in foster care, so shut the fuck up.

[B]

I bet. I mean, the social media Work field. So I mean I'm in the money field so I can supporting. I like to support other people.

[A]

I also like to support animals getting out of debt. So maybe I can speak on debt.

[B]

I mean, added on to it, I guess I do have, you know, plenty of cats as well too, that I support cats. Yeah. I did originally want to be a veterinarian and then I just took the route of just having pets.

[A]

What does that have to do with.

[B]

I mean, that's going on to me supporting others.

[A]

So I have two dogs. I'm not crying about it, you dumb tit.

[B]

I'm not crying about it without the.

[A]

Actual act of tears coming down your face. Yes, you are.

[B]

Okay, granted interest, but also charging. I mean, you're calling me a creature.

[A]

You're a creature, but I'm still. Via your actions.

[B]

I mean, supporting people was a creature.

[A]

Yes. Going to Minneapolis, Hawaii and Chicago and you can't even afford to survive and take care of those others and crying about it and saying, I mean I.

[B]

Am caring for those others and saying.

[A]

You can't afford it and you're a victim in this world because of it. Yeah. You choose to travel three times. Shut the upper. Shut up. Shut up. I mean, not entitled to anything. Shut the up. I do hear many. For what it's worth though, it was nice here it is walkable city and whatnot.

[B]

It is very.

[A]

You're just used to San Antonio, which is like the cheapest major city. Cuz it's San Antonio. Close your ears kind of a hole. Oh, very much love the Riverwalk and the Pearl District.

[B]

Oh, the Pearl was very nice. I actually went there for the first time.

[A]

San Antonio. I don't know. Puffy Tacos, Quicksilver. What's going on with this card?

[B]

You saying Quilk Silver? I kind of had no idea it was called Quilk Silver. It used to be my Walmart credit card. And then I still kind of just use it for Walmart. Capital One kind of paid out, bought it out, I guess. And I still have it.

[A]

Okay, so you just endlessly go to Walmart? Walmart.

[B]

Walmart's down the road for me. So. Yes.

[A]

I doubt all you're getting there is groceries.

[B]

I mean there's definitely gonna be some other ones in there. I just kind of don't know.

[A]

Huh. Which is then hard to qualify as we go through these Walmarts. What is groceries and what is not?

[B]

I don't know.

[A]

Even within a single.

[B]

Yeah, I just mainly use it for Walmart. But I mean, if I go through My wallet. I just say, oh, I haven't used this one in a while. I don't use that one.

[A]

Why is that your mental.

[B]

Doesn't happen? I mean because it's there, I guess.

[A]

Ha.

[B]

It's there.

[A]

I haven't used this one in a while. I feel bad for it. It's feelings are hurt. So let me swipe it like I'm. Your logic on all these things are so weird. If it's for the fact of trying to prevent it from being closed, which takes a while, then we're having a different conversation. But you didn't say that. At least 62 is your minimum monthly payment. 43 of interest is accruing. Takes 11 years to pay. Off balance, $1,941.65. What trip did you take on this one?

[B]

None.

[A]

Thanks.

[B]

I hope not. I don't. Like I said, I don't really. I don't acknowledge the dollars of.

[A]

Don't acknowledge what?

[B]

The statements. I just look at the minimum.

[A]

So how can you possibly ever fix your finances if you're not willing to look at the statements?

[B]

I mean, I look at the. The minimum payment.

[A]

But it's more than that though. You need to know what you're spending on certain things again. And that. And that is why I require you before you leave this building to get set up on the premium version of the dollar wise budgeting app. Because it'll tell you exactly where your purchases are going in each category.

[B]

Well, I guess with that, with that one. I mean it is groceries, cat food.

[A]

Yeah, but we know if it is Walmart that you are spending more than just groceries and pet items at Walmart. We know for.

[B]

I mean cat food is expensive.

[A]

What? I didn't say. What are you talking about? I said you're spending more than just that. That.

[B]

I. I mean I couldn't tell you if I was.

[A]

Of course not. Because you have no ability to look into any self reflections of your own behavior.

[B]

You need help.

[A]

No, I just wish I had a Walmart receipt of yours.

[B]

I have like the Fetch app. Maybe there's.

[A]

Do you often use that? Fetch. Is that, that. That's not just for animal stuff.

[B]

Fetch app is where you just put your receipts in. And I do have like Walmart receipts.

[A]

I'm not familiar with the Fetch app.

[B]

Oh, so it's kind of just like one of those where you.

[A]

Seven cats.

[B]

I do.

[A]

Okay, that's disgusting. I'm sorry, As a cat lover, that's disgusting.

[B]

Okay.

[A]

I'm a dog lover too. And if I had Seven dogs. It would be disgusting.

[B]

I mean I have like some garage cats as well too.

[A]

That's disgusting.

[B]

I mean, I take care of cats. I did have the dogs as well too. I have Simba, Momo.

[A]

I don't want, I do not need to know their names nor do I care about their names, but they're cute.

[B]

And then like I, they are cats.

[A]

I.

[B]

Some of my credit cards I did have to, you know, spend some money on when my dog passing away. So I had to.

[A]

Yes, of course. Of which I.

[B]

And then my cat.

[A]

If you do not have an emergency fund, which you should, but you don't because you spend money on, you know why. Oh, okay, whatever. Now you don't have an emergency fund. You put it on a credit card. Great. Now sacrifice everything in the world in order to pay off that credit card. That is what you do.

[B]

That is not what you did.

[A]

So no, I do not empathize.

[B]

He had a, he had to get an amputated leg as well too. So that was using a credit card. It was so hard to have an emergency fund.

[A]

You're right, it is hard. If you go to Minneapolis, Chicago, Hawaii, $500 a month.

[B]

Well, I didn't, I also didn't have like a job, like a full time job for a while because of my school choice. I mean I wanted to finish school choice though.

[A]

People go to school and work.

[B]

Yeah, but I had to work 32 hours unpaid for an internship.

[A]

Yeah, that definitely makes it harder. That definitely makes it harder.

[B]

So now if you're became a provider.

[A]

Knowing your situation with your family, you likely would have had federal student loans that would have helped cover many things.

[B]

I do have student loans.

[A]

I know, but even that would have helped cover living expenses and that would have been better than a 30 interest credit card.

[B]

Definitely not. I still had to pay out. And then at the beginning of the year they said that Faso was on a pause, so I had to pay out the rest. So it's roughly like I was almost done. So I think I paid like 2,500 just to then get my.

[A]

You're not taking out any more student loans, right?

[B]

No.

[A]

Good, because they just changed.

[B]

Unless I just don't want to pay my student loans and then go back to school.

[A]

But because if you do and go back to school, student loan repayment has changed. They've gotten rid of all the new income based things or all the old ones. It's new now. Now there's a standard 10 year payoff or there's a slightly adjusted one for income that takes 10 to 20 years to pay off, if I'm not mistaken.

[B]

But probably like almost double.

[A]

Yes. Of which. Cause I've had a lot of people making like $70,000 that have low payment student loans for income. And I'm like, what the. I'm making $70,000. Does it make sense? Then they spend all their money on.

[B]

And then I Wish I made 70,000.

[A]

Yeah, but you spent all your money on regardless. And then you're probably like, man, I don't have enough money to pay for my student loan. Someone help me. No, you're choosing your own things. You're borrowing it from the taxpayer. Pay it you.

[B]

I'm definitely going to pay it.

[A]

And also, if you don't pay your student loans, even when you're not in school, they will come and garnish your wages now. Because now they don't care. Garnishments are about to start. It has been announced with the bills I just signed the other day. It has changed to student loan repayments. Oh boy.

[B]

We are accepted immediately.

[A]

Or it is for all future borrowers. But they will come garnish your wages if you do not pay on your student loans. But for future student loans that are taken out. And it's also capped $50,000 a year, if I'm not mistaken, for graduate degrees.

[B]

Okay, well, I do have a graduate.

[A]

Degree which might bring down the price of college because they want their student loans.

[B]

Yeah.

[A]

What is lending club?

[B]

That's my consolidation loan that I got. So whenever I get the example, ladies.

[A]

And gentlemen, here it is once.

[B]

So I got a consolidation loan because all of my minimum payments were much more than just the minimum payment for the loan. And I thought it would be easier to pay that one bill whenever I didn't have my full time job.

[A]

Yep. And look what happened. This is what happens if you do not change your behavior before you either go through bankruptcy, before you consolidate, before you do a credit card transfer. This is exactly what happens. You just build all your debt back up again. Example number one. 1. 568 billion in the history of done.

[B]

It once and it worked out great. And look where you are.

[A]

So it obviously did not. If where you are today is where you are today, then it did not work. It is as easy as that. I don't give a.

[B]

It honestly did not work. Did not have a job.

[A]

If where you are today is where you are today, it did not work. Where you are today is where you are today. It did not work.

[B]

At least I'm still paying them for now.

[A]

I Mean, you're already pushing yourself to your limit. We'll see when we make a budget at the end. Lending club. Okay, so what is your minimum monthly payment on this?

[B]

342 or 432? 342.

[A]

Which? Okay, I'm gonna say 340.

[B]

I have it on my calendar for my calculator.

[A]

$732 and 20 cents. Sure, go ahead and look up that minimum monthly payment.

[B]

It is three.

[A]

And all this was a consolidation. You paid a credit previous consolidation loan, then you fell back in your credit card card debt, then you had to consolidate again, and now you're falling back into credit card debt. This is a repeated cycle. It is not working. It does not work. What did you say it was?

[B]

342.

[A]

So you just keep doing this over and over again. You're expecting different results, huh?

[B]

I mean, it was really kind of just a means of survival. I know you don't like me saying that, but I didn't even work, though. I know, but I got that one when I didn't have a job. So it was going to be cheaper to then pay the 342 and have have a lower minimum payment on my credit cards versus.

[A]

Did you have your house at the time?

[B]

Yes, I've had my house since 2020.

[A]

So I would have just. Not that I even advocate for this, but if you're going to go through all that and it clearly hasn't worked previously, let the credit card go into default.

[B]

I've never thought about that.

[A]

Well, I'm not advocating for it, but instead of going through all these things that you have proven not to work, I mean, just look where we are. At least you wouldn't be able to spend on those credit cards. In that case, it may have been more beneficial in the end.

[B]

I guess. I was also just thinking about like a credit score as well too.

[A]

I know you were, but you already have your mortgage and I know you want to upgrade your house, which is insane. I don't know what the you're possibly thinking.

[B]

That's definitely feeding yourself.

[A]

You are living that American consumerism life and then you think you're entitled to it, which is actually kind of crazy. It is crazy. We love to spend.

[B]

I definitely don't think it's entitled. It's because what I said.

[A]

You deserve to have fun and get gifts and go on vacation. That is what you.

[B]

Well, I thought you were referencing that into me getting a better home. I don't think I'm entitled to get a better home.

[A]

Oh, that's why I'm not doing it. In your life, you don't feel entitled to something?

[B]

I mean, I will gladly say I feel entitled to have a. A little bit of fun from how much I've been working.

[A]

What a joke. What a joke. You are in the most privileged position of all of human history in terms of.

[B]

Oh, definitely. Yeah.

[A]

In terms of the resources we have, in terms of the knowledge we have, in terms of the pay that we have. Housing is more expensive when compared to pay than it was in say the 1950s. But even still we have way more luxuries. You certainly have more freedoms and more life to live. That is for sure. Sure. We are in the best history of humanity objectively than ever. And you want to say you're entitled to going and having fun you just a little bit.

[B]

I'm not going to say I'm so dumb.

[A]

What is your car?

[B]

396.

[A]

What is your car?

[B]

I thought you were talking about payments since you were asking about payments earlier. So it's a 2019 Chevy Trax and.

[A]

Your payment is 396. 41. 2019 Chevy Chax. Okay.

[B]

And I had to add my new old auto loan.

[A]

So. Rolled over negative equity. $11,136.72. What do you think it's worth?

[B]

Not much. I think maybe.

[A]

What do you think it's worth?

[B]

7,000.

[A]

It is worth 7,000. So you are underwater. Decently, dramatically.

[B]

Yeah.

[A]

In terms of percentages at least.

[B]

It's probably even less too.

[A]

Cuz what is the interest rate on this car?

[B]

4.5, I think.

[A]

Well, that's not horrendous. But you got rear ended. Yes, just cosmetic damage.

[B]

Damage? I think so it was like around $2,000 in damages and I didn't have a job so I just used that check to pay my mortgage that's so stiff.

[A]

And why'd you roll over your last car?

[B]

It just started breaking on me and I tried so hard to get it fixed. I went on YouTube, I changed the starter, changed the battery, spark plugs, fuses, and it ended up being the alternator.

[A]

What did you. Going to the mechanic. Okay.

[B]

It was cheaper to do it myself.

[A]

Yeah, but you at least need a diagnosis this.

[B]

Yeah, well, it was definitely the alternator at the end of it. So I just traded it in. Broken.

[A]

Traded it in, rolled over. Negative equity is actually what happened.

[B]

I didn't know that at the time.

[A]

Okay. This home. And by the way, I mean. Yeah, I mean the mortgage is chunky. When the.

[B]

How old's Grandma Grandma is 86 and.

[A]

What'S her health condition?

[B]

Oh, she definitely needs a provider. The way.

[A]

Okay, well, that wasn't really an answer, but either way, with her age and apparent health condition and listen, the reality is you might lose this extra thousand bucks a month here pretty soon, and that's going to be really difficult because that covers a part of your mortgage situation. I know. It's okay. I love my grandparents too. It's going to devastate me the day that, you know, sadly that happens. But. And I'm not advocating for it. I'm just saying that's very impressive because right now with your income, this is 34 point percent.

[B]

Yeah.

[A]

I'm relatively comfortable with that. With your net pay. Okay. But without that, all of a sudden we start getting a little concerned here. With the $1,327 month mortgage payment, all of a sudden you lose $1,000. That becomes 46% of your pay and that becomes incredibly scary, especially when you're incapable of not spending money on fun and bullshit. So the house itself self. Interesting.

[B]

I'm not so, like, it's 46% of like how much I will be if.

[A]

You lose the income for taking care of your grandma. Why? I don't think that it. What is the interest rate on here?

[B]

On the house?

[A]

Yes.

[B]

Good question. I think it's. I think it's 4.2. 4.1? 4.2. It's definitely okay. Not more than 4.5.

[A]

Okay, that's 4. Fine. Balance $159,673.82 with a minimum monthly payment of $1,327.67.

[B]

No.

[A]

Huh?

[B]

It just went up to 67.

[A]

1367.

[B]

Yeah.

[A]

Okay. Property taxes. And they're not creating Texas. It doesn't even matter because it's meant to fund our own city. But then the state takes like 40% of the property taxes we even paid, kind of. That's insane.

[B]

That pays for the salaries of others.

[A]

I guess it pays for other districts that can't fund their own properly.

[B]

I think that's my district as well, too.

[A]

So another example of me supporting you when you can't even budget your own life.

[B]

That's fine.

[A]

Yeah. The state of Texas is actually quite socialist when it comes to property taxes. You'd be surprised. H. Lots of redistribution, definitely.

[B]

It'll probably negatively impact me later on, I guess. I don't know now. I don't know how much that's something that I just not.

[A]

That's all your debt.

[B]

I think so except with like the student loans, I think I have like 45,000 in the student loan.

[A]

Pain.

[B]

No.

[A]

Why?

[B]

I'm in. What is it? Grace period.

[A]

Oh yeah. Oh, that's going to start up up soon.

[B]

Yeah.

[A]

I'm sorry, how much did you say? 45,000. Okay. For graduate degree and everything that's not insanely crazy. I believe it's like 38 to 40,000 hours is the median borrower for an undergraduate degree.

[B]

I did go like all. All over the finances things. I guess before the bill was passed it did say I didn't need to pay.

[A]

Yeah, different now.

[B]

So I just said nope.

[A]

Yeah, different now, that's for sure.

[B]

I did get an email saying that it could be like 300 minimum.

[A]

Okay, I'll put 300. That's going to start soon. The grace period is going to end in relatively few months. Be prepared.

[B]

That's what I was saying. I was like maybe I should just go back to school, get more students.

[A]

Going to more debt. Just not pay on debt. That's great. That. That sounds wonderful. What a smart choice. All to save $300 a month. Shut the up. All to save $300 a month. A month. By the way, while we're going to Popeyes, Water Burger. Ikea. Ikea, Amy Entertainment, Ice House.

[B]

I mean like I said, Waterburger, Water Burger.

[A]

Going in, getting some bs Making ready market Beep Beer hall how works San Antonio Spotify. Texas thrift. Texas Thrift. TGTG going and getting some BS a lot. Because I know that six hours from wall Walmart was BS. Okay, I know for a fact it was BS and there's a lot of that scattered about here. McDonald's, Uber Eats, Six Flags Golf. So stupid. Saving 6.96. Great.

[B]

It's actually cheaper to do the the monthly membership. You know, as long as it's not raining. Yeah.

[A]

Don't go to Six Flags. It's cheaper to not go to Six Flags than to go to Six Flags.

[B]

Again, I'm privileged. I got guess not entitled. But I feel.

[A]

What? Yeah. History of humanity. Yes. But you need to sacrifice. I'm done with you. I'm so sorry. You just piss me off. 3880. This is like nothing is coming. Nothing is just go breaking through with you.

[B]

I mean I. I tried.

[A]

Good one. Okay. Debt minimum payments not including the mortgage is $1,456.90.94. Fun fact that plus your mortgage, you would not be able to survive if grandma was not here. That's a reality. I'm gonna be.

[B]

Which I definitely.

[A]

$1,367 for your rent and mortgage. Tell me about utilities.

[B]

It's roughly less than 150 for everything including the Internet. Oh, Internet. My mother pays. It's like 20 bucks and then I pay for. For my. The CPS energy and water. So I guess around 200 total.

[A]

200. Gas of room. Vroom. Drive. Drive.

[B]

Maybe around like 150 at most. Car insurance, that's 108 with both my mother and I.

[A]

108.

[B]

Yes.

[A]

Car insurance, phone bill.

[B]

I have Mint Mobile. So I just paid the.

[A]

How much?

[B]

300 a year, so I guess 15amonth.

[A]

And we have a supporter that we advocate for called Helium Mobile. Pretty much does the same thing. I'm. I'm good with this as well.

[B]

Okay.

[A]

So okay. Necessary food. Do you cover you and your mom or does your mom cover herself with the money that she gets?

[B]

She covers both of us. So she usually pays the groceries.

[A]

KTP100. Anything else you need to survive? Gym. Is there a gym?

[B]

Yes, that was the. The hot works.

[A]

How much?

[B]

That was 58D8.

[A]

Are you going to.

[B]

Going? Well, I got a kidney stone back last year.

[A]

Last year?

[B]

Yeah. And they told me to really kind of.

[A]

Okay, 58 for the gym. Pet insurance, do you have any?

[B]

No.

[A]

No, man.

[B]

I mean I feel like it was very much a scammy thing because depends.

[A]

On the pen insurance. Get good in insurance. I have good pet insurance.

[B]

What is it? Because I need to know. I don't even know what good after the show.

[A]

They're not paying me so I'm not going to advocate for them.

[B]

Tell them to sponsor you later. I guess.

[A]

No pet insurance can be good, but I'll cross it off for now. We try to budget it and pet food. How much?

[B]

I really don't know. My. My mother helps with that and then.

[A]

She helps with it.

[B]

It's maybe like 80.

[A]

$50 towards it.

[B]

Okay, that's good.

[A]

Sick. Yeah. I mean just simply you. You can't survive with this like makeshift budget where I don't think some things are included. You're basically breaking even at $3,789. It's like, okay, so right now you're not surviving. And that's simple. And the reality is. And that's with no fun money. And I wish I could, but the reality is this job did not pay enough money. You need to go work a social work job that maybe you like a little less that makes more money. That is a reality. You need to boost your income. That boost income does not boost Lifestyle. You then throw that thousand hours, hopefully extra that you make on a monthly basis and you throw that towards your debt and you pay off your debt, not including mortgage and call it three years probably. And you could do that and that's pretty fine. Could also go through bankruptcy.

[B]

No.

[A]

Okay, well listen, the reality is you just need to go make more money. You need to get a different job at social work and then you need to throw all that money that you are making extra careful.

[B]

That's a goal in the future. But I mean also now being a social work don't care. You need to then pay to get a license as well too. So that's something I do have to pay. It's 230 just to take the test.

[A]

Okay, 230 is half of what you spent on fast food this last month. So I don't care. Even if that goes on a credit card, that is a proper investment. So do that. If I pass, I would hope you pass.

[B]

I mean it's very difficult to pass.

[A]

Right? You went to the school and so get educated, dude. I don't know. Go make more money and pay off your debt and add.

[B]

I mean not everybody can just like up and quit their job and up and quit.

[A]

I'm not saying up and quit. Quit. Go get your license and go.

[B]

Yeah.

[A]

Pursue your career field outside of this non profit and gonna be now.

[B]

You said now.

[A]

You're right, it's not now. You work. Go get a second a third job on Sundays.

[B]

Great.

[A]

Because you can't survive or go through bankruptcy.

[B]

I do also.

[A]

Or go through bankruptcy.

[B]

Definitely not gonna go through bankruptcy.

[A]

Then you have to make more money because right now you do not break even.

[B]

I do like side hustles as well too. So I, I mean it's not much but I do like swag bucks.

[A]

You don't make enough money and then.

[B]

There'S like an independent contract.

[A]

Any kind of time you are spending on that. You need to go work at a brick and mortar retail if you have to. You need to just go make anything because you are basically breaking even. If you just make a few hundred dollars. At least we're staying afloat. You're only going further in debt and you certainly aren't going on trips. You're not going on Chicago. If you cannot afford to survive. You are not walking across the stage. I don't care. You're not doing. You need to sacrifice for your life. You need to sacrifice for your life. You need to sacrifice for your life.

[B]

Life and others, I guess.

[A]

Guys, come join us in the post show. Remember in order to join Hammerly it is free for this month. I'm going to give her her financial score. But just submit that reimbursement and I pay for your $10. So click that join button, click the link. But spending in a budget, you ever spend 0 out of 10 debt at least there's no collections but pretty high debt. Most of it's mortgage consolidation. Rebuilt the credit cards. I'm going to say 2 out of 10 emergency fund, a few hundred dollars in savings. I'll give you a 1 out of 10 retirement. Retirement. Probably not much there. It just started, right? I'll give it a 1 out of 10 because at least he turned it on. Real estate there is that. I don't know the value of the house. How much did you put down?

[B]

I didn't put a down payment.

[A]

Because it probably went up in value a little and then a little down in value and then it's probably.

[B]

I think it's a little bit higher in bow. I think it's up. Yeah.

[A]

So I'll give you a 5 out of 10. But going in without an emergency fund going in, having to do the repairs, electricity, things she needs to fix, can't even fix it because she's breaking even. Then it's like okay, well hopefully that.

[B]

Could go in the budget plan, sir.

[A]

Certainly can. We need to make more money. 2 out of 10 is your hammer Financial score. Join Hammer Elite. Come check out all our shows like our new show behind the Audit or Hammer Hammer it out where we accept your calls and we give our advice and everything like that. Remember, join Submit proof. Purchase hammer elite.com and I'll send you a digital gift card that can be spent anywhere and in most countries. Join us for the post show. What do you know about her finances chances? I just know debt. How much debt? If I had to put a number of maybe 10,000. Just her auto loan alone is 11,000. So you guys are going to Minneapolis, you guys are going to Chicago, you guys are going to Hawaii. She's spending 500amonth going out to eat. It is endless, endless, endless. Dumb, dumb, dumb. Elusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.