She's Back | Financial Audit

Summary

Financial Audit Podcast – “She’s Back” | January 5, 2026

Host: Caleb Hammer
Guest: Rachel
Setting: A follow-up episode revisiting one of the podcast’s most infamous guests, discussing her life, career, financial situation, and ongoing personal challenges.
Tone: Direct, occasionally combative, self-reflective, and emotionally charged.

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Episode Overview

This episode is a follow-up with Rachel, previously the first guest to (semi-)walk off the show. Still generating significant viewer interest, Rachel returns for an unvarnished conversation on how her financial and personal situation has evolved over the past year. The episode probes her job situation, disability claims, lifestyle choices, debt repayment, relationship history, and the practicality of budgeting with chronic illness.

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Key Discussion Points & Insights

1. Rachel’s Life & Job Since the Last Appearance

• Employment Update:

  • Now employed as a Registered Vet Tech (RVT) in a hospital in Sacramento—her field of passion and expertise.
  • Hired shortly after previous filming, started 10 months ago.
  • Pay: $28/hr, 32–40 hours per week (company’s definition of full-time; schedule adjusted for physical health).
    • “My body don’t do well… if I work five days in a row… I sleep for two days because my body’s…” (04:25)
  • ADA accommodations secured after significant paperwork and doctor’s visits.
  • Discusses challenges of balancing work with chronic illness and the importance of a supportive workplace.

• Living Situation:

  • Continues trailer (“house”) living for mental health and cost reasons, cycling between campgrounds using a Thousand Trails membership.
    • Annual camping fee: approx. $500.
    • Supplemental weekly site: $350 for one week per month.
    • Her trailer is her main residence, not an appreciating asset, but much cheaper than standard rent.
    • "That membership opens me up to all Thousand Trails throughout the nation...I get to stay wherever I want as long as I book it out." (20:19)

• Pet & Family Issues:

  • Had to have dog move in with her mother due to job constraints; dog experiencing injuries (raccoon attacks) at mom’s property.
  • Notable moment: Linguistic misunderstanding over the term "coon" and its offensive racial connotations, leading to an educative—and awkward—moment with Tyler from the team. (10:03–11:31)

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2. Disability, Chronic Illness, and Spoon Theory

• Medical Background:

  • Suffers from Ehlers-Danlos Syndrome (EDS): a genetic disorder affecting connective tissue, leading to chronic pain and fatigue.
  • Describes accommodations at work and daily management with braces, compression sleeves, energy monitoring.

• Disability Benefits:

  • Multiple attempts at California disability benefits repeatedly denied since 2019.
  • Hammer critiques possible overreliance on self/online diagnosis and “excuse” narratives.
  • Rachel maintains her challenges are real and documented by clinicians but recognizes the system considers her not “disabled enough.”
    • "Invisible illnesses are still invisible. Disabilities are still disabilities. Like somebody doesn't have to look disabled to be disabled." (48:14)

• Spoon Theory Controversy:

  • Deep dive/argument about Spoon Theory (a metaphor for chronic illness energy budgeting):
    • Host skeptical: Critiques as unscientific, possibly enabling excuse-making.
    • Rachel: Defends as a means of self-advocacy and planning, not an excuse.
    • “I budget my energy just as everybody should, but because I have a chronic illness, my budget is lower. And that’s okay.” (42:15, Rachel)
    • “What I often see… is a lot of people find ways to group their excuses… into different terms...I feel like...you’re using it. I’m all out of spoons today, I don’t have to do this thing. …If there was something scientific backed…” (42:25, Caleb)
  • Both admit to talking past each other on “real world” vs. “chronic illness world”.

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3. Finances: Income, Spending & Debt

• Income Overview:

  • Job (RVT): Avg. $1,450 biweekly ($2,900/mo); additional ~$900/mo from side gigs like pet-sitting.
  • Total take-home: ~$3,700–$3,800/mo.

• Expenses:

  • Cheap trailer membership; occasional high weekly rent for supplemental site.
  • Pet expenses, groceries, mobile phone/internet, storage unit ($100/mo), car insurance ($260/mo), whole life insurance ($35/mo since age 16).
  • Spending tracked in detail; food costs are high, featuring significant Amazon/UberEats/PetSmart outlays.

• Debt Breakdown:

  • Multiple forms of debt, some inherited from previous bad decisions:
    • Campground loan: $3,165 left, 17% interest, being aggressively paid down.
    • Car loan: $18,759, 5.2% interest.
    • Affirm pay-later debt: Two loans—$350 (plane tickets), $2,733 (photography shoot, 0% interest).
    • Apple Card in collections: $8,593.
    • Other collections: about $2,000.
    • Student loans: On hold; repayment resuming in ~6–9 months; Hammer estimates plan payments will be manageable on new income.

• Financial Progress:

  • Emergency fund: ~$3,000 in savings.
  • Retirement accounts: ~$20–$25k (including pending rollovers), behind schedule but at least funded.
  • Major past impulse spend: $2,500+ for a “healthcare hero” birthday photo shoot (contest “win” resulted in salespersonly upsell—a fact discussed and critiqued at length).
  • Noted ongoing struggles with sticking to tight budgets due to “bullshit” or unnecessary spending, particularly on food/pets.

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4. Notable Personal & Emotional Moments

• Mental Health & Relationships:

  • Short, intense post-divorce relationships, admits pattern of “serial dating,” and ongoing effort to work on herself.
  • Recent breakups due to infidelity, despite attempting polyamory arrangements (“poly only works when you have honesty and communication, and he would lie to me and hide”). (18:43)
  • Open about history of trauma, emancipation at 16, running “the streets” young, and past homelessness.

• Storm-Off Legacy & Emotional Tension:

  • Rachel’s “walk-off” in the prior episode: Both argue about whether it was “storming off” or “excusing herself.” Returning to this sparks a minor panic attack and tears from Rachel midway through (16:10–17:21).
    • “You did something I asked [not to do]…” (16:50, Rachel)
    • Hammer apologizes, both clarify boundaries (17:06).
    • Several additional crying moments, especially when discussing identity, finances, or the show’s tone.

• Tone/Therapy for the Show:

  • Rachel objects to the show’s roast format, reveals she doesn’t watch “Financial Audit” because she doesn’t like watching people be made fun of. (56:03)
  • Hammer defends the value: “Tens of thousands of people have improved their lives and many people from guests on the show as well. So there has been more positive than negative. The show is a roast fest with lots of gooniness.” (56:47)

• Humor and Banter:

  • Exchanges throughout remain sharp-edged—mixing personal jabs, rants about California/NIMBYism/housing, and “goon” jokes.
  • A discussion of “gooning” (the hosts use it as “being a silly goose,” Hammer notes its original NSFW usage).
  • Banter about septum piercings and online stereotypes:
    • “Every single person with the septum piercing except for a small minority are ... crazy online that cancel everyone and go crazy and are weird—not saying you are...” (63:59, Caleb)

• Rachel on why she came back:

  • “Because she [producer] said she wanted me. ... So do I. So does the audience. Of course, I’m an asshole.” (55:38)

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Timestamps for Key Segments

| Timestamp | Topic | |-----------|-------| | 00:15 | Opening banter: Rachel returns, discussing last episode’s walk-off | | 02:10 | Rachel’s job today as a vet tech, ADA accommodations, injuries, why back in the workforce | | 05:02 | Housing update: still in trailer, discussion of address issues for jobs, “burnt down house” mailing address | | 09:22 | Dog living with Rachel’s mom, raccoon attack, language misunderstanding (“coon”), Tyler enters to explain racial connotations (10:03–11:31) | | 11:44 | Disability benefits: repeated denials, host/guest debate around diagnosis, state standards | | 13:09 | Explaining Ehlers-Danlos Syndrome, why still able to work a physical job, accommodations at workplace | | 15:02 | Relationship status, post-divorce serial relationships, recent breakups | | 16:10 | Emotional segment—mention of brief marriage triggers panic attack, discussion of boundaries, apology | | 18:18 | Polyamory, trust issues, problems with communication in former relationship | | 21:21 | Trailer/campground logistics, moving between sites, cost breakdown | | 22:52 | Spoon Theory: energetic capacity for chronic illness, heated debate over its validity | | 31:29 | Rachel’s plans: only 3 years left in current role due to physical limitations, intention to eventually transition remote or desk job | | 35:23 | Financial journey: moving out of the alley, use of referral bonus, housing logistics | | 41:00 | Budgeting, Spoon Theory (continued), is it an excuse or necessary self-advocacy? | | 42:25 | Host’s skepticism about “justifications” and science vs. anecdote | | 48:44 | Hammer: "When will CA see this as a viable disability?" Rachel: "I don't know, don't care." Disagreement about state denial rationale. | | 58:58 | Rachel’s loose attempt at a Hammer Financial Score (settles around 1.5–2, host wants number) | | 60:13 | Topic: Affirm debts, 0% interest payment plans—airfare, $2.7k birthday photography (Rachel details rationale for photo shoot) | | 68:19 | Rachel gets emotional again about celebrating new body, self-worth via professional photos | | 71:26 | Professional photographer guest weighs in: Rachel overpaid for shoot, marketing tactics discussed | | 75:45 | Heart monitor: $250 constant monitor, “visible” data for doctors and self-advocacy, host suggests this can enable over–self-diagnosis | | 78:39 | Banter around “gooning,” being silly, measuring offense and cultural differences (Sacramento, California jokes) | | 84:05 | Debt recap: Car loan, Apple Card in collections, campground loan, loans in collections, student loan payment pause, retirement account, savings, storage unit | | 94:07 | Budget construction: $1,203/mo in minimum debt payments, rent, insurance, storage, groceries, miscellaneous | | 99:42 | Financial priorities: no more 0% purchases, aggressive payoff of high-interest debt, prepping for student loan repayment | | 101:34 | Reflection: job as milestone, but debt progress limited; host issues new Hammer Financial Score; both acknowledge need for ongoing discipline | | 103:10 | Real estate and asset assessment | | 104:10 | Score summary: up from .5 to 2.5/10 (income, emerg. fund, retirement); post-show promo teasers for drama, money laundering, ex-sister-in-law issues |

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Memorable Quotes

• On accommodations and work:
  • “My body don’t do well. If I work five days in a row, I sleep for two days because my body’s…” —Rachel (04:25)
• On Spoon Theory:
  • “I budget my energy just as everybody should, but because I have a chronic illness, my budget is lower. And that’s okay.” —Rachel (42:15)
  • "What I often see… is a lot of people find ways to group their excuses… into analogies or tools and use them as justifications. ... Spoons. Sounds like it.” —Caleb (42:25)
• On disability denial:
  • “Invisible illnesses are still invisible. Disabilities are still disabilities. Like somebody doesn't have to look disabled to be disabled?” —Rachel (48:14)
• On trauma & emotion:
  • (After triggered by brief marriage reference) "You did something I asked [not to do]…" —Rachel (16:50)
• On relationships & polyamory:
  • “Poly only works when you have honesty and communication. And he would lie to me and hide.” —Rachel (18:48)
• On photo shoot splurge:
  • "I wanted to kind of replace that memory in my head, and I think it did a lot of good for me, and it’s something that I’ll have forever." —Rachel (69:41)
  • “31 pictures for $3,000. That’s crazy. Is that. Is that how not great is that?” —Caleb (70:32)
  • [Photographer] “I'd do, like, a thousand.” —Madison (71:29)
• On the show and its impact:
  • “Tens of thousands of people have improved their lives and many people from guests on the show as well. So there has been more positive than negative. The show is a roast fest with lots of gooniness.” —Caleb (56:47)
  • “More than Caleb losing his virginity?” —Rachel, joking on which is the bigger milestone (104:19)

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Hammer Financial Score & Advice (Final Recommendations)

• Score: 2.5/10 (noted as improvement from previous ~.5/10).
  • Positives: Has reliable income, emergency fund, and some retirement savings.
  • Negatives: Still deep in debt, only moderate progress on repayment, significant recurring “bullshit” expenses, tendency to rationalize/enjoy wants spending prior to addressing debt.
  • Advice:
    • Stop stacking up “0%” short-term debt for non-essential purchases.
    • Aggressively pay off high-interest campground loan first; minimum on car until that’s done.
    • Prep now for impending student loan payments—they will be deducted from future monthly surplus.
    • Focus on maintaining and growing emergency fund after debts prioritized.
    • Catch up on retirement; strive for 20% of take-home invested once debts lower.
    • Broaden career/role search to increase options as chronic illness progresses; "don't lock yourself in a narrow window."

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Final Thoughts

This episode is a raw, often contentious but occasionally funny window into what it means to live on the economic and social margins in 2020s America. Rachel is candid, self-aware, and sometimes defensive. Caleb balances tough love with real concern, pushing Rachel to take fuller responsibility for long-term planning and financial discipline, but often running up against the limits of empathy and real-world complexity.

Strongest Takeaways:

• “Good enough” is a moving target when chronic illness controls your budget and energy.
• Real improvement (both financial and emotional) takes slow, deliberate effort—one paycheck, one paid-off bill at a time.
• There are no easy shortcuts, and excuses—no matter how well-intentioned or cleverly named (“spoons”)—can impede recovery as much as adversity itself.

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For deeper drama (sister-in-law slander, alleged prison money laundering), listeners are invited to the post-show.

Transcript

[A]

You're about to make a trade which you do you listen to. Is it get optioning those options or let's do a little research. Learn [e-mail] TradeSmart To Watch episodes of.

[B]

Financial Audit a week earlier. Check us out on YouTube. You were the first guest to kind of storm off.

[A]

First of all, did not storm off. I excused myself.

[B]

You were still the first person to walk off set. Exactly. Why are you so hostile, Rachel?

[A]

I'm not trying to be. I haven't watched any of your episodes since I went on here.

[B]

They're good. You should. What do you why you're here?

[A]

Because I'm an asshole?

[B]

Well, because you only do have to.

[A]

Work shut the up about that.

[B]

But if we lean back on this.

[A]

Thing that is called spoon it's not leaning back.

[B]

Yeah. I don't think you understand the point I'm trying to make. I'm not trying to.

[A]

I don't think you understand the point.

[B]

I'm trying to make. Get your free trial to the dollar wise budgeting app today. Join the tens of thousands of active users who are taking control of their money and changing their lives. With new features being added constantly, there's no reason not to try it. And if you like it, choose the annual version to save a ton of money and get my budget friendly cookbook signed by me and mailed directly to you. Dollarwise app or link in the description below.

[A]

Hi, my name is Rachel. I am 30 years old and I'm from Sacramento, California. This is Financial Audit.

[B]

I did not think we would be sitting here. I did not know if I would ever see you again. Really? Well, you're one of the most viewed episodes in Financial Audit history.

[A]

Crazy. It's like 3.8 or something like that.

[B]

Well, it's because I mean it was crazy and I hope things have done well. But I mean there was. There was this moments from that episode. Let me see.

[A]

I've seen lots of shorts that are like top five that couldn't handle the heat.

[B]

Second most viewed, second most viewed on channel history.

[A]

No shit.

[B]

Yeah.

[A]

What's the first?

[B]

And the septum piercings are still there. So a yoga teacher lady.

[A]

Oh, the life coach.

[B]

Special massages we found out afterwards. But also someone named Rachel. So maybe that's something that just kind of.

[A]

It flows in the Rachel's.

[B]

Yeah. So last time you described yourself as a freelance pet sitter, house sitter and administrative assistant. But what are we doing for a living today?

[A]

Registered vet tech. In hospital.

[B]

In hospital as in you actually go inside?

[A]

Yeah. And like hold the pets and draw blood and place catheters.

[B]

You told me last time your therapist told you you can't have a boss, though. What happened with that? Did she come around to maybe you need income?

[A]

Well, it was an unavoidable thing. And it's not that she said that, like, I can't, but that at that point, to have a boss that wasn't going to be understanding and stuff, which is hard to find.

[B]

Understanding of what? Cause, I mean, you do still have.

[A]

To work physical limitations.

[B]

Yeah, it is hard. I mean, I'm sure. Especially in California, I'm sure there's extra legal things and protections you may have.

[A]

Yeah, so I have ADA accounts, accommodations, just like last time with my last job, but this one is, like, more thorough and legal and, like, I went through a bunch of different paperwork and a bunch of different doctor's appointments and got those ADA accommodations. Okay, good.

[B]

And how long have we been in this job then?

[A]

Since January. So two months after my episode.

[B]

And what happened to where'd that go? You're not making that sound anymore.

[A]

What sound?

[B]

What?

[A]

Oh, like, when I agree with you. I haven't agreed with you yet.

[B]

Oh, well, I'm glad you have a job.

[A]

Yeah, me too.

[B]

Oh, well, I gave her the opportunity.

[A]

Oh, that's okay.

[B]

Okay. I'm sorry. I got distracted by looking for that noise. When did you. How long have you had this job now?

[A]

Since January. So 10 months.

[B]

Okay. Yeah. Yeah. Which actually isn't horribly far from when we filmed last night.

[A]

No, I got hired one month after, and then I started two months after our episode.

[B]

Okay. What's your pay now?

[A]

$28 an hour.

[B]

Okay. Yeah. Sacramento. I'm in California. It's hard to switch stretch even. $28 an hour, unfortunately. How many hours?

[A]

32 to 40, depending on the week. Because 32 is still full time with my company.

[B]

So they're deciding 32, not you.

[A]

No, when I. During my interview, I was like, my body don't do well. And so.

[B]

But your body also needs income.

[A]

Yeah, but I gotta. I mean, if I work five days a week, every week, my body's gonna give out, and I can't. Like, if I work five days in a row, which I've had to do before.

[B]

Yeah.

[A]

I sleep for two days because my body's.

[B]

No, that's the weekend.

[A]

Yeah, exactly. Which is shitty.

[B]

It sucks. But I mean, that sounds like kind of what it's for. It's the rest.

[A]

I mean, it's also.

[B]

I don't wanna downplay it.

[A]

Doctor's appointments and for grocery shopping and for cleaning my house.

[B]

We can do that after work as well. But yes, it is. It is true. House did. Are we in a house now?

[A]

No. My house is my trailer. You know that.

[B]

Well, I did not know that if that was still the case or.

[A]

Well, I told you.

[B]

You said you couldn't get a job because you didn't have an address.

[A]

I can get a job without an address.

[B]

Wasn't that one of your big arguments, though?

[A]

No. Well, yes, it was. One of your arguments was that I couldn't get a job without a permanent.

[B]

I make it harder. It's harder to get a lot of things. Like. But I like a driver's license, a.

[A]

Legal mailing address, like the address that's on my driver's license and stuff like that, which is a burnt down house, but it's there.

[B]

Why is it burnt down?

[A]

Because.

[B]

What have you done?

[A]

I didn't do shit. It's the house that I grew up in and my brother lived there as an adult and. And killed by you. No.

[B]

Okay, what hits your account? Paycheck. What is the frequency of that PayCheck?

[A]

Anywhere from 13 to 16, depending on how much overtime I have.

[B]

We'll call it 1450. Sure. Overtime. But you said you're working 32 to 40.

[A]

Right, but you get overtime over eight hours a day.

[B]

Oh, California, right.

[A]

Yeah.

[B]

Which, I mean, some jobs just. Okay. It's this highest unemployment in the nation for a reason, so.

[A]

Yeah, I. And then that's every two weeks.

[B]

Okay. Okay. So we'll call it 1450. Yeah.

[A]

And then I make an extra 900amonth from.

[B]

Oh, oh, okay. We still do that and already set money aside for that because that's contractor. That is going to be taxes paid. Now that you actually make money, it's not going to be a shit ton. Yeah, but you're not. From what I'm picking up. And the year's almost done.

[A]

But this. This year's taxes can't be filed until the back taxes is filed. So. You remember the back taxes, which I'm working. I got through my work. There is a legal benefit that like I pay like $10 a month for like $5 a paycheck. And they have a tax thing. Oops. Jesus Christ. I'd be breaking all your.

[B]

Okay, well done. So we're bringing in about 3, 800amonth. Ish. We should set aside some money for taxes.

[A]

Yeah.

[B]

I'm gonna call it 37.

[A]

Okay.

[B]

Okay. So off 37.

[A]

Yes. Oh, but what I was saying was I'M working on the back taxes.

[B]

Oh, I'm sure we'll get into that. But off the 37. How we doing now? Good. Why are you still living in.

[A]

In a trailer?

[B]

Yeah.

[A]

Because that's what I want to do.

[B]

You want to do that? Yes. Okay. But I know you like rent land and you're like in like a timeshare thing and it's not great and it's weird and.

[A]

It's not weird, It's. What?

[B]

My timeshare aspect's a bit weird though, that you kind of did with it. You're not just like strictly renting land?

[A]

I don't think so. But that's because we have differing opinions about trailer life, about timeshares. Well, because I. Once I pay off the loan, like I said last time, I get to camp for free. Free.

[B]

Not free free. There is utilities. Remember we went over.

[A]

I don't pay utilities.

[B]

There's no utilities afterwards at all. No free free. There will not be a cent you owe for anything.

[A]

There are 500 a year.

[B]

Okay, well, that which is okay. That's not free free. It's cheap. Not free free.

[A]

Dirt cheap. For rent, sure.

[B]

It's certainly not getting in an appreciating asset, that's for sure. You also just. You had a lot of critters in there.

[A]

I have three cats. My dog, since I had to get an in person job, which didn't want had to happen because income.

[B]

But the dog was one of the reasons you didn't want to.

[A]

Right. And so she now lives with my mom, which breaks my heart.

[B]

How's that going?

[A]

It's going to. Sometimes there's disagreements between my mother and I and my dog gets attacked by raccoons a lot in the backyard. And like, she has been attacked twice. And like to the point where my mom had to grab the raccoon and throw it off of her. Like it's gnarly. She gets up. But that's downtown Sac for you. Lots of coons.

[B]

Whoa. We don't call them that anymore.

[A]

Why?

[B]

We've moved on from that phrase.

[A]

I am apparently completely missing something. Okay.

[B]

Should I bring Tyler in and have it one more time? Should we repeat it with favorite.

[A]

Oh, your studio token.

[B]

Well, hold on, wib, you're the one saying that. And we have many of non white. I'd say white is minority here. Not that I'm counting or that it matters, but. But if we are a comedy, we've got two black people and about a thousand Hispanics. They kind of just keep filling in it Is Texas. She said. She said.

[A]

I was talking about raccoon.

[B]

She said that downtown Sacramento is filled with a bunch of coons because there's.

[A]

A bunch of raccoons. Like fat ass raccoons that are.

[B]

Oh, now we're fat?

[A]

What?

[B]

Tyler?

[A]

City garbage.

[B]

Tyler, I'm so sorry.

[A]

What the does coon mean?

[B]

Tyler's one of my favorite people here.

[A]

And you're saying this, I'm assuming it has something to do with race.

[B]

So let me break it down. Back in the day. Back in the day, when they talk about black people, right. Other than calling people the hard R, another way to refer to black people is calling them a coon. So when you say coons, it's referring to a black person. You're calling them in a derogatory way. You're pretty much like, disrespecting him. You're like, gosh darn.

[A]

I mean, I ain't talking about. I'm talking about the ringed, tailed, masked little.

[B]

I would just put the rat. Oh, they're masked. I would just put the rat. When they're downtown. When they had the rat, just put the raccoon. You're fine. Straight up. Just saying coon is crazy. Yeah. You're basically doing a soft R right now. Yeah, I ain't gonna lie. Yeah, you just. You soft launched an R just now.

[A]

Whoops.

[B]

Yeah. Thank you, Tyler, and I apologize.

[A]

Thank you, dear.

[B]

You. I will allow you to report her to governor Newsom.

[A]

Okay.

[B]

Now, you have applied disability benefits, like, endlessly since 2019.

[A]

Huh?

[B]

You applied disability benefits, like, many times since 2019, but you kept getting denied because, I mean, what a lot of people's hypotheses were is like, yeah, sure, you probably got a little bit of the ADHD and some stuff, you know, and you got a little, you know, you get tired a little quicker for sure, but a lot of tired. Okay, well, I mean, you can go into more detail about it, but how a lot of people were reading last episode is that I wouldn't know.

[A]

I haven't seen it.

[B]

You were hyper TikTok, diagnosed on a lot of things and victim complexing because.

[A]

Of stuff that my psychiatrist and therapist have told me.

[B]

Well, depends. Your therapist kind of sounded like an enabler type of therapist, which there are. There's good therapists, there's bad therapists. But if she said you can't have a boss, it's kind of enable. But I'm not saying that. But I mean, if you've been denied disability so many times since 2019, what is the state, the very generous state.

[A]

Of California, say like, I don't know what you're. What you're looking for there because like I.

[B]

Well, I'm trying to really determine how much for years. But you were denied.

[A]

Right. So I stopped filing after like three denials.

[B]

But a lot of the excuses and stuff we used last time were based on disabilities and stuff. But if the state was denying. Yeah. So determine the validity.

[A]

So when I interviewed for this job, I was completely transparent.

[B]

And what did you say? I said, say I'm the boss right now. What did you say?

[A]

Right. So I said that I've worked in hospital before, had an injury, and then now I've been out of the hospital for five years.

[B]

What was the injury?

[A]

I had a right wrist injury. It was tendonitis. And then because I have Ehlers Danlos syndrome, my collagen.

[B]

Well, tell me what happens with that.

[A]

With Ehlers Danlos. So it's an issue with your DNA that your body doesn't know how to make collagen correctly. And so hypermobility, frequent subluxations and dislocations. When you have a soft tissue injury, it doesn't heal correctly. So like when I went.

[B]

Sounds very manageable though, if I'm being honest. Right. As long as we're not doing like hardcore manual labor, which is higher is which you don't have to do. But I said, you like it? You like animals?

[A]

Yeah, it's my passion. It's what I have my license for. It's a passion.

[B]

But we also try to real world, right. When we have to live the rest of our Life. You're only 30, we're the same age. There's a lot of life left.

[A]

Yeah, yeah, definitely. And so that's why when I went into the interview, I'm like, I don't know what I can do. This is going to be a lot of trial and error.

[B]

How'd they hire you? Because with that, with that not saying you're a bad person, but they could hire someone that wouldn't say, I don't know what I can do. Well, why'd they hire you?

[A]

I wasn't. I'm not them, so I couldn't tell you.

[B]

Well, you don't have any insight into why you think you're.

[A]

Maybe because I've worked with the company before. I've been in.

[B]

Well, there's a good part.

[A]

I've been in vet Med for 10 years. Like there's a lot of. I have a good.

[B]

Well, that's the answer.

[A]

Okay.

[B]

Right. Wouldn't it be okay, right?

[A]

I don't hire. Tell ya.

[B]

Okay. You know, we're not gonna, you know, talk about it too much or anything, but still being nice and looking for that poly out there.

[A]

I haven't really been interested in dating. I am working on myself.

[B]

The last relationship ended quite quickly post marriage. Quite quickly.

[A]

I did tell you not to bring that up.

[B]

You said not to make fun of it.

[A]

Okay, sorry.

[B]

We don't have to talk about it. I was not going to make fun of it, but if you don't want me to bring it up, we don't need to talk about it.

[A]

Please. No.

[B]

Oh, okay. That's. I'm okay with that. Sorry. I was following the rule of not making fun. Yeah, but we'll move on from that. And another very interesting thing is you were the first guest to kind of storm off ever, two and a half years to film it at that point. And you were like, first of all.

[A]

Did not storm off. I excused myself.

[B]

Two weeks of marriage, huh?

[A]

Mm, that makes sense. That wasn't very nice.

[B]

$480, minimum payment on that. So now we're at $1,000. Are you okay? Oh, I'm sorry. I was.

[A]

That was not very nice.

[B]

No, it wasn't. I was just trying to make a jab. I'm sorry. Like, I. I did not mean for that to be ins. Okay, take a moment. I'm sorry. Let's take a moment. Yeah.

[A]

I'm stuck.

[B]

Oh, no, it's okay. I was trying to play to the cheekiness for the show. Are you okay?

[A]

I need some air.

[B]

Take a moment. You want to go outside? It's okay. Take your time. Take your time. It is no worries at all to.

[A]

Have a panic attack in the parking lot.

[B]

Yeah, but it was still. It was. Yeah. I mean, you were still the first person to walk off set.

[A]

Okay.

[B]

Not making fun of you for. I was saying it's historic. You okay?

[A]

I mean, you did something I asked, so.

[B]

No, she said don't make fun of it. Right. That is what I heard. Like, I'm sorry if I. I was trying to. I, like, I'm very strict of following the rules of what we can't talk about. And what I very literally heard was don't make fun of it. And so I was going to follow that.

[A]

I understand your.

[B]

Huh.

[A]

I do understand your interpretation of that. And I'm sorry. I have reactions to.

[B]

It's okay. There are tissues there if you would like them. Please feel free. No, I definitely don't want to.

[A]

Kind of more crying for the Camera.

[B]

Well, I mean, yes, it is a show, but still with it. I'm just kind of trying to recap kind of what happened last time, what we talked about last time as we're going into where we're at at this point.

[A]

Yes. So post divorce, I. Well, post separation, I had two serious relationships and they both ended poorly as well, so.

[B]

Poorly? Why poorly?

[A]

The first one was somebody that lived in Texas, so it was a long distance relationship. At the end, it was. It was like we. We were a breakup, get back together kind of couple. And the last one was just not good. So then I went straight into dating this next person, which I apparently have a habit of. Serial. Serial dater or relationship?

[B]

How long have you been single?

[A]

Since. Well, I did have a one to two month relationship this year, but. Whoa. But previous to that, I. What was the question again? I'm so sorry. My brain.

[B]

Just. How long have you been single?

[A]

Oh, right. Since March of 2024. March or April of 2024.

[B]

Oh, gotcha. Okay.

[A]

And he cheated on me a bunch. Hence why it ended poorly.

[B]

But you're kind of into that. You wanted to be poly.

[A]

Right? And I was supposed to be poly with him. But poly only works when you have honesty and communication. And he would lie to me and hide.

[B]

Why. What's the point if you guys are like open and poly?

[A]

Literally.

[B]

Okay. Another one of the weird things is the. The. You once owned a 300, 000 house. You lost it, you know, really, after some bad finances, but you kind of impulsively put 17, 000 of concrete work into it, adding solar panels.

[A]

Yeah, that was impulsive for sure. And that's in the past. What am I going to do about it now?

[B]

Oh, no, we're recapping what we talked about last episode because this is a follow up. Why are you so hostile, Rachel?

[A]

I'm not trying to be, okay?

[B]

I'm literally just reading off bullet points. How.

[A]

How is saying that's in the past hostile? Huh?

[B]

No. Is this. It was a little. It was a little dismissive. I mean, obviously I'm just kind of going through this.

[A]

Understood.

[B]

And I. You said you didn't want a permanent address specifically for mental health reasons. Yeah. What? Remind me what that does for mental health. Having a permanent address versus not.

[A]

So it's the matter of being stuck in a brick and mortar. It's like being stagnant is not for me.

[B]

But you do have a loan on this property that you're paying off, so you are kind of tied to it.

[A]

But there's and then you have to.

[B]

Get rid of it, right?

[A]

No, you don't have to get. It's a lifetime.

[B]

Yeah. I mean, if you, like.

[A]

If I wanted to make like a stupid amount of. Well, not a stupid amount. Like 11 grand and not have a place to live.

[B]

Yeah. It's less than the concrete you put in. Yeah.

[A]

So that membership opens me up to all thousand trails throughout the nation. So it's not like I'm blocked to one place. I get to stay wherever I want as long as I book it out. And like, right now, I'm booked six months out. I know. Last time we talked about how it only works if you have it booked. And at that time, I didn't have it booked, so I was living in the alley. Yeah, yeah, yeah. Luckily, I didn't get, like, nothing on my shit got stolen.

[B]

Are we trying to move around? Because now you have a job. I know.

[A]

So now I live in two different campgrounds. Because in Thousand Trails, you're allowed to stay for three weeks at a time.

[B]

That's a bleep location, please.

[A]

Oh, wait, did I. I said Thousand Trails, didn't.

[B]

Oh, is that not a location?

[A]

No, it's the company.

[B]

Okay. Okay, good. Yeah.

[A]

Yeah. So I have three weeks at Thousand Trails, and then because there's a couple in the Sacramento area, and then I have to be out for one week, and then I get to come back for three weeks. So I move twice a month. Well, like, I move two weekends in a row, and then I stay two weekends in a row. And I do that. When I have my week out, I go to another privately owned trailer. RV thing. And that one is $350 a week, which is. Yikes. However, I only pay it once per month, and it's the literal cheapest one in Sacramento.

[B]

Wow. Okay.

[A]

And it's beautiful. I like.

[B]

Well, I'm sure it's nice.

[A]

Yeah.

[B]

I'm just. I don't know. It's not an appreciating asset. Certainly.

[A]

Also a whole lot cheaper than somebody's rent.

[B]

It is. Because California doesn't build housing. But that's the state being a completely failed piece of shit. It's not a failed piece of shit, but expensive as hell. Their NIMBYism is ridiculous.

[A]

What does that mean?

[B]

Not in my backyard. They just don't let things be built. It's insanity. It's insanity. So anti nimby.

[A]

Never heard of that before.

[B]

Really? You look like a nimby.

[A]

I don't know what that means. I mean, you just told me what it means. But how can somebody look like. I'm so confused.

[B]

That's okay. Now I know it's your job right now it sounds like you wear armor when you go to work.

[A]

I do. So anytime I go to work in order to not sublocate or dislocate. Well, avoid as much as possible. I wear ankle braces which are like. They're like sock type ankle braces. So compression and then I wear knee compression sleeves and knee pads and then I wear a wrist brace on days that, that my injury is.

[B]

Well, what can you do? Because there's a huge. Yeah, but there's a huge list that I have here that you, you know, you told work you won't do. It's like.

[A]

Yeah, because cats.

[B]

Dogs. No, like restraining cats and working with dogs.

[A]

I can still restrain cats for their exam and for, you know, stuff like that. But it's the actual blood placement because you have to like hold on to their head and then hold off their back leg. And this doesn't have a whole lot of strength. And so it would be unsafe for me to restrain a cat for a co worker. So all we do is switch. It's not that hard. Like that's fair.

[B]

But you already are. You are already asking for a raise if I'm not mistaken, right? A seven dollar raise, but just seven dollar raise. What is it? What's the number?

[A]

I. Whatever, I'm gonna work.

[B]

But you're. Less than a year. Like asking for a raise less than a year and is usually not a good look.

[A]

Well, it's. It's something where the company I work for is corporate and so it's very difficult to get a raise.

[B]

And is there a performance review on an annual basis? If they're corporate, you'd think so, yeah.

[A]

And then they give you like a 10 cent raise, which is stupid.

[B]

Then. I mean, I agree that kind of sucks.

[A]

But I saw.

[B]

What are you trying to do?

[A]

Then I saw my position, which is not like the ad isn't like replacing me. It's more of we need more RVT's.

[B]

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[A]

I don't I had my area chief of staff text me one day and because I was worried about stuff not.

[B]

The defender I'm with you keep going.

[A]

Okay.

[B]

She's like I knew it with you.

[A]

Stuff doesn' you from doing your best in try and like you're so good at your job anyway which I could show you if you don't believe me anyway.

[B]

I don't believe you. It's just a bit like but listen I mean it is I just like I mean if they really value they'd give it raise but here's the thing if they are trying to hire more people is that not concerning to you because you can't do everything and wouldn't they want people to be there to do everything?

[A]

Yeah but I still have my knowledge and I still like there's some things that I can't do. We were going over that right can't restrain a cat because it's dangerous for.

[B]

I got it. But it's a vet. I'd say pretty much half the animals there are cats.

[A]

Always two people for blood draws that.

[B]

Are taking money, though, from the business advocating.

[A]

There's always two people, no matter who's drawing blood. And so for us to switch is not a loss of payment.

[B]

Do you think corporate sees that?

[A]

Yes.

[B]

Okay, continue.

[A]

And then.

[B]

I.

[A]

If a dog is too big or wiggly or whatever, my co workers are very understanding and they're like, hey, are you sure you want to restrain that? I can restrain it for you just to prevent injury, because if I get injured, then I can't come to work. And then we're.

[B]

Which is also a concern for corporate. It's like, it's a struggle. It's hard. I'm just trying to think. I'm just trying to think from the business perspective. Right. There's probably laws in California or maybe even federally that kind of, you know, would go against them correcting. But I'm just trying to understand the why. Like, why would they not just want everyone that works in a physically demanding job to be able to do everything? Physically demanding?

[A]

Everybody in vet med's body is up. It's a very physical job. It's very like.

[B]

So you saw the job posting. Because they need more people who can do everything right and.

[A]

Well, they need more people, more bodies. We need. We just need more bodies.

[B]

And it's a $7 higher paid job.

[A]

Well, the range goes up to $7.

[B]

A month, which would be a 25% increase if you got that. But your boss keeps pushing off the meeting.

[A]

And it wasn't because of anything in particular. We're just extremely understaffed and overbooked and, you know, just like every other fucking vet hospital. And so we just didn't get any time. So at the end of a shift, I'd be like, hey, can we have our meeting? She's like, I don't want you to get overtime, so we'll do it this day. And then again and again. And so when we did have the meeting, I was really stressed because at that time I was in leadership development.

[B]

Really?

[A]

Yes.

[B]

Okay.

[A]

So I was shift lead in development for like three months.

[B]

Shift lead?

[A]

Yeah. I mean, I have managerial experience. Why would I not? Okay. And it got a little overwhelming for.

[B]

Me because that's why I questioned it.

[A]

Well, it's something that it's. It's hard when you're trying to make changes and people are pushing, employees are pushing back on it, even though it's A change that is for patient safety or a change that is for when.

[B]

You were going through the managerial training. How can like bulldozer y were you being. How. How many big changes were you trying to do just out of the gate? Just.

[A]

They. I had a list that I was trying to go through slowly and my manager was like, all of these are great points so let's try to put them in to effect.

[B]

I can see how that's being hard, especially if you're not like officially in that position.

[A]

Right, right. But it is like if you're a shift lead in development, you're supposed to be treated as a shift lead by the associates.

[B]

Yes, I get it. That also kind of sounds like. It just reminds me when I was in food service and someone got like the pic title like person in charge, you know, for like the table that they were making food on and then they like thought they were like, I'm just like, okay, yeah, yeah, okay. I don't know. This is what it reminds me of. Right. I'm not trying to be, but this is kind of what it sounds like to me. But I mean you only think you have three years left in vet med.

[A]

Then I would say that's like a guesstimation of like bringing us to 33 our career.

[B]

Like what, what are we doing?

[A]

Well, because then I would transit. I would continue RVT work. I just would try to have a less physically demanding such as practice manager or as like virtual vet tech like I was doing previously. Which.

[B]

Which you got fired from, right?

[A]

No, I quit. I got. We. We came to a mutual agreement of separation.

[B]

Right.

[A]

Remember? And so we derailed. What were you. What was the question?

[B]

You got three years left.

[A]

You say three years left guesstimation because I don't know, I don't want to run my body into the ground and not be able to walk when I'm 65. You know what I mean? And so I hope not to stay in hospital for over three years. But that doesn't mean that it's guaranteed or anything like that. It's something where I want to be able to transition to remote. I'm already contacting the, the remote group of my corporation cuz we have our own like virtual vet tech chat that people can call into. And so I've contacted. That's all internal hires. I've contacted the manager and of that I can't think of the word group. I don't know. And then there's also like poison control has, has remote jobs and there's the virtual vet tech you know, job thing is very hard to get into. So that's where I'm taking that.

[B]

I'm just concerned that you're like putting kind of a. Already preemptive limit on it. You know, I know it's not a hard limit, but you're already kind of thinking it. Right? That's concerning to me.

[A]

Which everybody in vet med is like, I don't know how long.

[B]

Yeah. But to 33, that's kind of hard. That's kind of hard for me.

[A]

It's a genetic disorder that my college.

[B]

Doesn'T work over it. So maybe you don't have this career field. It's like you're still putting in time and energy into something that you see yourself having a peak. That's, that's what concerns me. In hospital, you're relying on having to get what is a much less in. Less in demand job. Vet tech, trying to hire like crazy. Right. All these other jobs that you get to sit on the butt and be happy.

[A]

Not happy.

[B]

Okay, come on, you know what I'm talking about. A little easier. Less. Less physically demanding.

[A]

Yeah.

[B]

But less in demand.

[A]

Uh huh.

[B]

So you're really betting on, you know, a narrow window we're trying to shoot through. We're betting our whole career on with.

[A]

A three to five year goal. That's not hard.

[B]

Okay, well, I hope you do it. I hope you get there. I'm just saying like since you've kind of time capped yourself and there's less in demand jobs are your only future that you're seeing there. It's like, dang, I really wish we could have been in something else like accounting. You know, who even knows where we're just sitting where?

[A]

I just hate my job and don't want to go to work every day. Yeah, yeah.

[B]

That adults do adult things every day.

[A]

And I'm also adulting every day.

[B]

Right. But you just said you're not willing to take a job that isn't your absolute favorite job.

[A]

Huh.

[B]

Adults do that to pay bills.

[A]

That doesn't mean that I.

[B]

What does your future look like?

[A]

Why does it. Why does it matter?

[B]

Because you have a time cap on it and you're only a hopeful time cap. And your only way out of it according to what your body demands is a more narrow sliver. So that's just what's concerning to me is you really have. You've kind of narrowed your limits dramatically. But I mean, what has changed?

[A]

What has changed?

[B]

I mean it's been, it's been a year. What happened right after filming to like all the way through now.

[A]

Well, I. Like I said, I got hired a month after started, two months after and then I was working and I got a sign on. Well a referral bonus. My friend got the referral bonus bonus and we split it. So it was like a 30, $35 30500 check.

[B]

Yeah.

[A]

And the probably May, April or May. I moved out of the alley because I was able to book the Thousand Trails six months out.

[B]

Because you had money or time. What moved the needle on that?

[A]

Just waiting for a reservation to open up.

[B]

Yeah.

[A]

Yeah.

[B]

That's hard.

[A]

Yeah.

[B]

Okay. Because what happens when like whatever reservation you're in now ends now? You talked about a weekly rent. Somewh. Like it sounds like it's in high demand if we had to wait for something to open. Right.

[A]

The Thousand Trails. But I get to book six months out. So I'm already booked out.

[B]

But people aren't trying to do that as well.

[A]

I mean a handful like, like I'm sure they are, but there's hundreds of sites at the campground.

[B]

So I want to ask you about spoon theory. So tell me about it.

[A]

Supposedly based on this theory, people without a chronic illness have an unlimited amount of spoons. Obviously nobody has an unlimited amount of energy Spoons. Yes.

[B]

Energy. Energy's your spoon.

[A]

Yes. So like say a shower takes one spoon and then work takes eight spoons.

[B]

And I think it's just calories in, calories out.

[A]

I guess so. But it's not about calories. I don't.

[B]

That's like energy.

[A]

Uh huh. Which can be mental, social, emotional.

[B]

You can put calories in you via spoons. Sorry, continue.

[A]

So when you wake up and you only have just like a handful of spoons and then you have to do so many spoon activities, then at the end of the day you just fall asleep at 7pm because I worked from 7 to 4 or 7 to 5 if I get overtime. And then you really like hitting that spot on your head, don't you?

[B]

Yeah. You? Yeah. With you? Yeah.

[A]

Okay.

[B]

It's just like. Yeah. We all have a certain amount of energy we're able to give. And you can find ways to give yourself more energy. Caffeine's a good.

[A]

Caffeine's not good for your spoons. My heart. Because I have pots.

[B]

Why the do you have caffeine? Because I asked you if you're a caffeine girly when I was giving you gamer subsidy samples.

[A]

Yeah, sometimes. And I do it like once or twice a month.

[B]

But there's an option. Right. So there it is. Food gives energy, better. Night's rest gives energy, you know, things.

[A]

You can work on better. So that could be more energy. But like I said, I sleep all day, like literally 20 hours in a row without waking up for anything like my body.

[B]

But if you're trying to fall back on something like thinking about your spoons, doesn't that already give you an excuse out?

[A]

I wouldn't say it's an excuse. And an excuse out of what?

[B]

Whether it's working an extra shift, picking up some more hours, going and cleaning the house after work instead of on the weekend. You know, things like that, seeing the dog, taking down the tent that I guess your place is very angry at.

[A]

Dude, for real. So I don't know, but it's just.

[B]

Like, I feel like it's just, oh, I'm all spooned out, can't do it, no more spoons. And then I don't have any more spoons left to give.

[A]

Yeah.

[B]

And you're just like. And then people are like, what the are you talking about? And then you're like, I'm spoonless.

[A]

Oh, people know what you're talking about.

[B]

Maybe in Sacramento, but in the real world where everyone else lives, in the.

[A]

Chronic illness world, 99% of people understand spoons. And there's a lot more people.

[B]

Is it the TikTok chronic illness world or is it.

[A]

Spoon theory? Is pre TikTok?

[B]

I'm talking about the endlessly self diagnosed.

[A]

I have a world.

[B]

Not you. Not you specifically. Not you. Well, but not you specifically. In certain things. I'm just talking about the people that talk about things like spoons.

[A]

What about him?

[B]

I feel like it's from the people that are often self diagnosing.

[A]

Okay, I, I don't. I already told you that the community within chronic illness, like the community of people with chronic illnesses, understand that it's harder. Like you probably don't run out of energy from taking a shower. Me, I take a shower and I've got to sit down for 20 minutes because I'm. My heart rate when it.

[B]

I'm not saying you're not different. I'm not saying you don't have issues. But if we're immediately. I'm just like kind of when I see people like find these, these things, I can't think of another example off the top of my head. But like when you have the talking around the spoons, it gives you an easy out.

[A]

It allows me to advocate for myself maybe or so like on days that I work, I don't plan things after Because I know I'm gonna be dead tired. I know I'm gonna get home and eat dinner and fall asleep. Like, because my.

[B]

Okay. Spoon theory was originally coined in 2003. So it's not that old. And it's just by one lady's essay called the spoon theory who had lupus. It is not scientifically backed in every way whatsoever and it is not acknowledged by any scientific body.

[A]

I never said it was.

[B]

Yeah, then if that entire community is talking about spoon theory, then they can fuck off. I only care about, I only care about science. Right, because if we're starting, you don't.

[A]

Care about people, you only care about science.

[B]

Science can actually help people.

[A]

Not just like the medications that I'm already on by my doctor. Like, sure, yeah. Like I take daily NSAIDs and daily gabapentin.

[B]

But if we lean back on this.

[A]

Thing that is called spoons, it's not leaning back. I'm so sorry to yell right in there, but you are so frustrating me because. Because you just don't have an open mind.

[B]

What's an open mind? I just try to be real world. Right. And this isn't based on anything other than one person who wrote an essay.

[A]

And thousands of people who deal with disappeared essay.

[B]

But there's no scientific analysis that's ever been done on it. I mean. Okay, I don't think you understand the point I'm trying to make. I'm not trying to.

[A]

I don't think you understand the point I'm trying to make.

[B]

I, I, I think I do.

[A]

I budget my energy just as everybody should, but because I have a chronic illness, my budget is lower. And that's okay.

[B]

It is okay. I'm not saying it's not. I'm not saying you don't have difficulties. But what I often see on the show is a lot of people find ways to group their excuses into different terms and different analogies or different tools and then they use them as justifications. And if I'm being honest, spoons. Sounds like it. You're using it. I'm all out of spoons today. I don't have to do this thing. Oh, you're being discriminatory because I'm spoonless. How dare you. It's like if there was something scientific backed.

[A]

I don't understand what you think I'm.

[B]

Excusing based on our last conversation. Right. Which is the only time we've ever talked outside of this. There was lots of trying to get out of the real world, get out of having to actually make progress, getting out of having to have a boss, getting out of having to do a lot of things. I'm glad you went, got a job. I wanna celebrate that with you. But when I immediately start hearing these exit paths.

[A]

Exit to what? I still show up to excuses. Excuses for what?

[B]

You said you couldn't clean after work. You know, visiting your dog, 30 minutes away.

[A]

That's my personal stuff. I, I. Because I go to work, I do my job, I'm good at my job. I don't know why it's a problem that sometimes I can't clean my house, sometimes I can't drive to spend time with my mom or my dad.

[B]

Because that's one of the reasons that you couldn't always work more than 32 hours.

[A]

Huh.

[B]

Well, so that's, that's the problem, not the actual cleaning.

[A]

I still get full time benefits. I still make enough money.

[B]

Well, I don't know. Is, is this enough money in Sacramento?

[A]

Yeah. I mean, I have an extra like maybe $500 a month and so I've been paying a lot.

[B]

After what?

[A]

After my expenses?

[B]

Yeah, definitely. Still some bullshit in here. And.

[A]

I've been paying.

[B]

Besides the weird mobile deposit that definitely offset the numbers because payroll was 2,800. Maybe you had like a super pet city and thing. No, I don't see it.

[A]

What weird deposit?

[B]

There was a mobile deposit of 3620.

[A]

That was a reimbursement from my car insurance.

[B]

Ah. If it wasn't for that, you would have dramatically overspent last month.

[A]

Because I paid like an extra thousand dollars towards my high interest loan.

[B]

Yeah, so I mean, that's what's concerning to me is just, you know, kind of how on the edge we are. And if I'm looking at your budget, you know, for saying we have extra, but there is still hundreds of bullshit spending when it comes to dollars.

[A]

You want to tell me what?

[B]

Well, we'll go through the documents and go through them, but category wise, at least bs. Food and miscellaneous BS for sure.

[A]

Okay.

[B]

Hundreds of dollars of it. But again, I'm not, I do. I want to be very clear that I am not saying you don't have anything at all. I, I know you get fatigued easier with your disorder and everything. I'm not excusing that. Right. That's just, I just, maybe this is my cuntiness. I like to be more scientific.

[A]

Okay.

[B]

I like to be more doctor. Doctory, you know, Doctory. Not things that were in an essay once that we can use as justifications.

[A]

For not doing things, for not Doing unnecessary things. I still do the necessary things.

[B]

Right, but always working 40 hours a week.

[A]

32.

[B]

Always working 40 hours a week would be great instead of 32.

[A]

For why if it makes me have to call out like twice a month because I'm working too much and my body just won't get out of bed because I'm in so much pain and have so much fatigue.

[B]

Like, what are the solutions that your doctors have given you? What does the rest of life look like? Right, like what does it look like from here?

[A]

I'm not 100% certain what you're asking. So, like, what kind of treatment are my doctors put me putting treatment?

[B]

Are you expected to get more tired earlier, even quicker going forward? You know, like what, what, what is your.

[A]

My prognosis is not great because it's a degenerative thing and so it will continue to get worse. But that doesn't mean that I'm incapable of being a part of life, being a part of society.

[B]

Yeah. When will the state of California see that as a viable disability?

[A]

I don't know. I don't really care.

[B]

Well, money's important. And if you can't work, then, you know, that's important. Why have they not? And your best guess? Cause obviously you know more than I do when it comes to you applying. Oh, come on. Yes, but you can at least have some assumptions as you've gone through the process, why you were denied. I am not the state of California, not you. So you are in this more than me.

[A]

Okay, so the question is, when do I think that they'll.

[B]

Why so far have they been denying you? Since 2019, six years.

[A]

I won't say that it's a lack of knowledge, because I think there might be a little bit of that because Ehlers Danlos syndrome is one of the rarer genetic disorders and so people don't really realize how detrimental it can be to your life. It's an invisible illness. Invisible illnesses are still invisible. Disabilities are still disabilities. Like somebody doesn't have to look disabled to be disabled?

[B]

No, no one's saying that. But yeah. I just want to know why you think you're denied.

[A]

I said last time because I wasn't disabled enough.

[B]

Okay. Which is fair, right? Because you clearly can go make money. You also don't have to have a physical job, so why should we subsidize you?

[A]

I'm not asking for subsidization.

[B]

Well, when you were applying, you were.

[A]

Uh huh. And that was years ago.

[B]

Well, since 2019. But even in the future now, if you get to a point where you literally cannot work, including a desktop, then I 100% want us to take care of you. Okay, absolutely 100%. But not based on spoons. Based on we know you. Why do growing businesses love working in Slack? Lets ask Christy at Ari Bikes.

[A]

Running things in Slack saves me so much time.

[B]

AI summaries save 97 minutes per week. What say you Rocks from Gosney? Slack helps us build community.

[A]

It helps us build connection.

[B]

Your partners, vendors and customers all in one place. Take us on home. Ashley from Carraway.

[A]

If we didn't have Slack tomorrow, I would explode.

[B]

Well, let's not let that happen. Visit slack.com podcast to get 50% off Slack business plus who can't do work. Okay, you clearly show that you can even do physical work right now.

[A]

For now.

[B]

For now. But even still, you'll be able to do desk work for a long time. I'm sure there's many people in your position who live very fulfilled lives with fulfilling careers.

[A]

Probably.

[B]

Okay, so I want that system to be there. If you can't do anything, you're proving you can. So I'm glad you were denied.

[A]

Uh huh. Okay.

[B]

Right. Aren't you? I mean, because that would be a flaw.

[A]

I'm glad that I was pushed. Pushed into the position of adult.

[B]

Sorry.

[A]

Pushed into the position for insulting since I was 16.

[B]

Push in the position for what I was.

[A]

I was emancipated at 16 years old. I ran the street since I was young.

[B]

Streets killed me. And I lost my virginity at 13. Should we keep. Should we have competitions?

[A]

I'm just saying that I know how.

[B]

To applause for 13 people. Come on. Like what the are we doing? I was busting nuts at 13. Aren't we excited?

[A]

Congrats.

[B]

Thank you. I'll be honest. It was a little gay. But. But I moved on from that. Right. You know what's more expensive than holiday travel? Your phone bill. And if you're still paying hundreds of bucks a month just to text your mom I landed, then we need to talk. This holiday season, give yourself the gift of not getting ripped off. Helium Mobile is flipping the script on phone plans. You can literally start at zero dollars a month with their zero plan. No contract, no credit check, no hidden fees, just real reliable service. It's perfect for light users, travelers, or that second sim you pretend you don't need but totally do. You got kids. Helium Mobile Got Sprout, a $5 a month plan designed just for them so if they forget their lunch or their brain, at least they can call you. And the best part? Helium Mobile combines nationwide five with a community powered network which keeps the cost stupid low like free level low. Plus you can earn rewards called cloud points to spend on places like Amazon and Apple just by using your phone. So ditch the holiday surcharge and get connected for less or nothing at all. Download Helium mobile [e-mail] let's get back to the episode. Remember that doctor's appointment you were supposed to make like 11 months ago? Yeah, the one you said you'd handle after the holidays. Then something happened, then summer and now it's peppermint latte season again and you're still dodging that dentist. Zocdoc makes it stupid easy to knock this off your to do list before the year ends. It is a free app and website where you can find in network doctors, see actual appointment slots and book one before you finish wrapping your third gift. Need a dermatologist to look at that zit before your mom points it out? Or a mental health check before your in laws arrive? ZocDoc has you covered with over 100,000 doctors across every specialty and appointments that usually happen within 24 to 72 hours, sometimes the same day. Which is crazy. It is what I'd use if I needed to book a document fast. Stop putting off those doctor appointments and go to Zocdoc.com Caleb to find and instantly book a top rated doctor today that is Z O C-O C.com Caleb Zocdoc.com Caleb let's get back to the show.

[A]

Just a teensy weensy big A. But the what were we talking about?

[B]

I don't really care. Well no, no, no. That you should have been that I've.

[A]

Been adulting for a long, long time.

[B]

Good. And I said that to you so it doesn't matter.

[A]

So as far as being pushed into the position of having to return to hospital and being able to have that opportunity to discover what I can and what I can't do.

[B]

Well, here's the other thing I'll say about the disability before we move on and start getting into the numbers here. You also specifically said even if you can't work this job in three years and you don't get into the job you want to get to, I don't know if we should subsidize you and pay for your life and because and replay the clip right now where I.

[A]

Just hate my job and don't want to go to work every day. Yeah, yeah, that.

[B]

Well, I mean adults do adult things every day. You Said earlier in this conversation, when it comes to doing an accounting job, it's like, but I don't want to show up to a job I would absolutely hate. So we should pay for your life instead. That doesn't seem fair.

[A]

You're projecting into a future that hasn't happened yet that nobody knows.

[B]

Right. But you have limited to approximately 3.

[A]

That I have hope that I can get out of it.

[B]

Yeah.

[A]

So that I don't destroy my body and end up in a wheelchair like my doctor said is likely.

[B]

Okay, I hope that too. But you can go work at desk job. I can get you an accounting certification through course careers. You could do accounting. We don't have to do accounting. You can do a lot of things, but I'm saying let's do things that give you more longevity. Also a fulfilling career that isn't being subsidized by the taxpayers because you don't need.

[A]

It doesn't have to be accounting. Doesn't have to be any other desk job. It can be, well, desk job as in like it doesn't have to be outside of vet men. I don't know why you're pushing that so far.

[B]

It doesn't have to be. We just know that those ones are a little more limited. You're really locking yourself in a very, very small window.

[A]

We're trying to shoot, as does anybody with a license in a specialty career.

[B]

Yes.

[A]

So I don't feel like I'm shot.

[B]

So maybe we can broaden our horizons. That's all I'm saying. Because I want to give you the best chance for a shot.

[A]

Okay, you're not giving me anything but what I said. You don't give me the shots.

[B]

What do you mean?

[A]

I give me the shots and well.

[B]

I can get you free certifications in lots of career fields. Absolutely.

[A]

But I don't want to do it. I went through the accounting and I was like, this is not.

[B]

You did sign up for it.

[A]

Uh huh. And I did zero of it. Well, that's because I.

[B]

Okay, so you were provided the resources.

[A]

Uh huh. Because I knew that wasn't something that I wanted. And so instead I went on to indeed. And applied for RVT positions. Being honest that I don't know what I can do, I don't know what I can't do.

[B]

I'm just saying in the future I want to make sure we have a lot of openings. Right. In case we don't land where we want. Last time your Hammer Financial Score was a 1 out of 10. What do you think it is?

[A]

It was a 0.5. It rounded up, I think. Okay. At the end it said. I watched it again last night just to recap myself.

[B]

I haven't watched it in a year.

[A]

I haven't watched any of your episodes since I went on here.

[B]

They're good. You should. What do you. Why you're here?

[A]

Because you're an asshole.

[B]

Why are you here then?

[A]

Because she said she wanted me.

[B]

She does. So do I. So does the audience. Of course I'm an asshole.

[A]

Yeah.

[B]

That's the show you applied to me on.

[A]

Uh huh. But that doesn't mean I have to watch it.

[B]

No, but you should. It's really good.

[A]

But I don't like watching people be made fun of. I don't like watching people be looked down upon or told that they're. No one's looked down for what they've done.

[B]

Well, people are shitty for what they've done.

[A]

Yeah, but that doesn't mean I have to watch it. I look for the best in the.

[B]

World and that you're really going to cry about that?

[A]

Yeah, I have emotions. So sorry.

[B]

I'm sorry. It's just like I empathize with almost every crying in this in financial audit history. But when it comes to you not watching a show, I have a hard time.

[A]

Well, because you're like, why? Why? And I'm like, because.

[B]

Well, also I'm continuing to with you. You take it very seriously. Anytime I try to push your buttons a little. Okay. Like I don't care if you watch the show, it's fine.

[A]

Well, I mean, I'm just being honest about the fact that like I don't like negativity.

[B]

So. Okay.

[A]

Why would I watch your show?

[B]

Well, tens of thousands of people have improved their lives and many people from guests on the show as well. So there has been more positive than negative. The show is a roast fest with lots of gooniness.

[A]

100% and that I don't want in my life.

[B]

Right, but the positivity afterwards has been.

[A]

The part that you get to see.

[B]

No, we document it every single year. We do an annual report every year. You'll be included in it if you send us your numbers.

[A]

Okay. I had. I don't care.

[B]

Okay, well, you're the one crying, so I assume you did.

[A]

Okay, so I told you last time.

[B]

What do you think your financial score is today?

[A]

Probably like, I mean, I still don't own any real estate. I still have my retirement accounts that I've continued to add to one of my checks. So I had a rollover Check from my.

[B]

I'll be honest, this isn't a score, but.

[A]

Huh. I have more things to say. Am I not allowed to.

[B]

I was hoping for a number, but you can keep going.

[A]

You say to jibber jabber. So here I am.

[B]

We. We don't even need to tell you to do that. That's. You got that on your own. Some people have a hard time.

[A]

I had a. Well, I just don't want to forget to bring it up, but I had a rollover check from last year's job that I tried to deposit into my personal like retirement fund. And apparently the check never processed. But I didn't know until I went to the account to tell Lindsay about my retirements. And then it was like, hey, by the way, your $5,000 check never went through. And so now I gotta figure that out. Just another.

[B]

So what do you think your financial score is today?

[A]

I don't remember the parts of it.

[B]

So spending within your budget and what your budget should be. Your debt, your retirement, your real estate. And now that it's not up front. Me, I'm debt real estate. Oh, emergency fund.

[A]

So I do have a savings account now.

[B]

No, it's all aggregated.

[A]

But yeah, yeah, yeah.

[B]

What do you think?

[A]

Of course, thinking of part. I don't. Maybe a one and a half, two.

[B]

I don't you want your hammer Financial score. It is [e-mail] Go ahead, take the assessment. See where you stand in the world of finances, where you're doing and where you're doing good. What you need to improve. We'll give you a path as well at the end of it. So go ahead and take it. It is free. And if you don't want to be like a guess who ends up on this show. One, don't get a genetic disorder and two, download the dollar wise budgeting app. It is my preferred app. It is what I use. It's what all the guests use. It's what tens of thousands of you use. New features added every single month. It is incredible. Dollar Wise app. Take the free trial, see if you like it. If you do, you can sign up for the annual version to save a lot of money. And I will send you my budget Friendly cookbook signed by me, mailed directly to you when you sign up for the annual version.

[A]

I don't know. I looked at that. There's a lot of food. Food that I would not eat, but that's okay.

[B]

Budget friendly. It's not like it's not a filet mignon, you know, it's not. It's budget friendly. Meal prepped.

[A]

It's a lot of the crunchy, like chickpeas and lentils and like, like crunchy little healthy foods that I don't. I'd rather have pasta, which is budget friendly.

[B]

Okay, so affirm.

[A]

Affirm. Yes. I have two non interest to no interest affirm things right now, one of which was my flights here, because I had the money to pay for it, but I did it. Like, why when you can zero interest and have more money in your account.

[B]

Reasonable, as long as it's actually taken care of. Most people that have come on the show and you've been on the show are usually indicative of. Not a credit card person. That's kind of considered in that. But that's kind of considered in that as well. But if you're accurately managing it. I don't have a huge issue, but 350.97 is what's owed with monthly payments of 116.99.

[A]

I think those are every two weeks.

[B]

Oh, that's not good.

[A]

But I mean, like I said, I had the money in my account to pay for it in full, but if I can break it into four payments.

[B]

You do that often. Can you pull up your affirm for me? Yeah, so minimum monthly, so, you know, paid off in a month and a half, but 233.98.

[A]

I was gonna put my hair up, but I'll. I'll wait. Affirm. Oh, they got a new little app icon. Okay, there you go. Have it. Feel free.

[B]

What the fuck? No, this doesn't make any sense.

[A]

Why?

[B]

Well, because on here it says total balance is 350, but on your phone it says 2,733.

[A]

Yes, that is the first one.

[B]

Oh, shit on my dick.

[A]

Which I also have enough money to pay for fully, but if I can break it into monthly payments with zero percent interest.

[B]

Oh, fuck.

[A]

Why not?

[B]

Yeah, because it just puts us in a risky position when something happens and all of a sudden you don't have the money, which happens all the time. Like, oh, tent emergency.

[A]

Yeah, the tent is a whole, whole thing.

[B]

It's right here.

[A]

Supposed to be my storage. While I'm your Tensor storage, I have a storage unit for the stuff that I don't use on a daily basis, but for like my clothes and my.

[B]

So the ticket was a part of it. But what is Carmen Salazar? Because that was not us.

[A]

That is a photography studio. I know you're gonna make fun of me for it.

[B]

Oh.

[A]

Huh.

[B]

Because I'm not worried about a $233 plane ticket that gets reimbursed. I am concerned of a $2,500.

[A]

Photography. Huh?

[B]

Huh?

[A]

Please tell me just like last year. It was my birthday. You don't get to have birthday things. I do.

[B]

Never said that in the history of ever.

[A]

You did. You said it last year.

[B]

It's contextually. I don't give a. About your birthday. If you're dying in death and you have no future.

[A]

Okay. But I'm not.

[B]

Continue. So when you put it on debt. Your total minimum payments are now 500 for both firms. But please.

[A]

Which one of which will be ended in two weeks and the other 10 months. Yeah.

[B]

Which gives you a lot of room to fuck it up as someone who has fucked it up a lot. And hopefully this new hire is not a replacement.

[A]

They're not.

[B]

I'm hoping. I'm just hoping. There you go.

[A]

So.

[B]

Yes. The photography studio for what?

[A]

For my.

[B]

Was it a septum piercing photo shoot?

[A]

No. Why do you like to make fun of my septum piercing?

[B]

So everyone loves to make fun of everyone's septum piercing.

[A]

Why?

[B]

Zoom in on that. That's why.

[A]

Okay.

[B]

So what was the photo shoot?

[A]

Give me words. Words. Why?

[B]

What was the photo shoot? Because every single person with the septum piercing except for a small minority are the same. I don't want to use these words with you because you have issues.

[A]

I have it. Okay.

[B]

Crazy online that cancel everyone and go crazy and are weird not saying you are because not everyone is. But that is associated with it.

[A]

I'm not even online that much to be honest. Think goodness not social media is a fault. Dude.

[B]

The photography. Photo shoot.

[A]

Photography photo shoot was my 30th birthday and I did that this year. Huh.

[B]

I did not spend $2,500.

[A]

Congratulations.

[B]

Thank you. I just wanted to see if it was associated with 30.

[A]

Like a. A package. A photo shoot package. Which was the.

[B]

How did you win it?

[A]

I applied. It was a giveaway for healthcare heroes.

[B]

We've had one of these on the show before. I've had one of these on the show before.

[A]

Okay.

[B]

These are honestly kind of a scam. It is their way of getting the money. But convincing you that you got a deal. You didn't win anything.

[A]

I mean you didn't win anything.

[B]

They got. They won. They won. You thought you gotta do. It's like walking into Target and you see 30 off. But it's always that price.

[A]

Right? But it's. It's. It's not like you can go online and look at their Pricing and everyone's always winning.

[B]

I know.

[A]

800 off. Anyways, it was an opportunity. I never thought that I would get it or pay. 24. No, shut the up about that. Let me finish story.

[B]

Okay, okay, tell me, tell me.

[A]

So I applied because it was healthcare heroes. And I feel like veterinary medicine is never included in that. Never. Like there's a lot of companies that give nurse discounts or doctor discounts and veterinary doctors and veterinary nurses never get included. And so I applied for shits and gigs, just like this thing applied for shits and gigs.

[B]

May I say it's because the other ones are saving humans. And I love dogs, oftentimes more than humans, but that's why they're celebrated. Please continue. You know what? I didn't realize when I left my last job? That my 401k didn't just magically follow me. It just sat there literally doing nothing. Like me during tax season. And it turns out 25% of all 401k assets are forgotten. That's a quarter of retirement savings just abandoned. Why? Because rolling over a 401k is a nightmare. Call your old employer, dig through paperwork, maybe even fax something. Nope. That is why I used Capitalize. It is a concierge platform that finds your old 401k helps you open or connect an IRA you actually want, and then rolls everything over for you. It's like having someone do your financial chores, but without judgment. It took me five minutes. No stress, no digging. And now I actually know where my retirement money is. And that's a win. So roll over your old 401k today. Hit the link in the description or go to highcapitalize.com. caleb, your future self and your net worth will thank you. You. That's kind of stupid. I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account.

[A]

Okay. And we have the same knowledge, but on several species we do way more than the. Because we're both the anesthesiologists and the.

[B]

Radiologist saved my dogs. I love Them.

[A]

I love them.

[B]

I'm just saying. Why? They're likely prioritized and celebrated.

[A]

So I did a lot of thinking, and, like, I didn't just jump into it. It was where I won. And I took several weeks thinking about if this is something that I want to do. And so because I've had photoshoots in the past during a manic episode, I wanted to kind of replace that memory in my head, and I think it did a lot of good for me, and it's something that I'll have forever. Yeah.

[B]

What did you get for. Well, 3,000. It wasn't 2,500.

[A]

What did you get for 3,031 images?

[B]

This. Can we get Madison in here?

[A]

Who is Madison?

[B]

A photographer.

[A]

Oh, okay.

[B]

Professional photographer. And what kind of images?

[A]

Doesn't matter.

[B]

Kind of. I mean, he spent a lot of money.

[A]

It doesn't matter.

[B]

It kind of does, but I guess we don't have to.

[A]

30Th birthday images.

[B]

Oh, birthday. Birthday suit.

[A]

Tiny fraction.

[B]

Oh, really? On that. Of Journey.

[A]

We love it.

[B]

I'm kidding. I'm kidding.

[A]

It was for me. And that was the other thing is that when I had my previous manic episode shoot, like, that wasn't for me. It was for my partner at the time. And this one, doing this one while being chosen single, While I've gained 60 pounds since my last photo shoot, like, I have a whole new body that has carried me through so much. Like. Yes. I'm gonna cry again.

[B]

Wow.

[A]

Just witnessing that has carried me through a lot of things, and so I wanted to celebrate that. And, like, it's. I'm in a dress and.

[B]

Hi, Madison, professional photographer.

[A]

Hi. You're so pretty. Thank you. Yeah, I'm just letting it out for a second.

[B]

Okay. She is bi, so I'm not hitting on her. If a guy said that, everyone would say it's hitting. That's all I'm saying.

[A]

But I'm celebrating your beauty.

[B]

So she won a package online, and the one got her down to a unique discount that no one else gets for a photo shoot. For how many pictures?

[A]

31.

[B]

31 pictures for $3,000. 31. That's crazy. Is that. Is that how not great is that?

[A]

Well, it sounds like a marketing scheme.

[B]

She works in marketing, by the way.

[A]

Yes. Yeah. And I knew that going in because it's the same thing that happened with my last shoot, but it's.

[B]

Oh, are you the one that. That happened to the one that I remember?

[A]

No.

[B]

Oh.

[A]

Did the pictures turn out good, though? Do you like them? I Love them.

[B]

They're nude.

[A]

I sent some. Like, three of them are nude. Can you chill?

[B]

What? She gets so offended by everything.

[A]

The other 27 are in a dress or in a tank top and shorts. Like, it's not like it was charge for that. Usually, like, 3,000 is the rate for, like, a wedding, and you get, like, an album and it's on a full shoot it like, a fold. Like, they had a bunch of different backdrops.

[B]

How much would you charge for this?

[A]

I'm pretty pricey, so I do, like, a thousand.

[B]

Wow. All right. Thank you. Madison W. Madison. We love Madison. Why do you get so upset at everything I say? But I'm clearly just, like, giving little.

[A]

When you're clearly just being the talent of the talent. Yeah. You're an Internet personality.

[B]

Well, yeah, the channel name is my name.

[A]

Yeah, that's.

[B]

Yeah, we want the show to be interesting, and that is my personality. Okay. I don't get it, but that's fine.

[A]

Because just like last time, you were like, I'm doing it for the cheekiness of the show. I ain't like, yeah, I play into.

[B]

My cheeky personality, but it is my personality.

[A]

Internet, like, that's how you make money, is by being an extra, like, pushed version of yourself, kind of.

[B]

I mean, especially in this conversation where.

[A]

Honestly, I'm very kind of shit.

[B]

I'm very toned. Toned down. Well, that actually saves them a lot of money. Okay, well, it's 25 cents a serving. Instead of stopping in a gas station and getting a $4 energy drink, it saves a lot of money. Okay, so I get money, they save money. It's a W. W across the board.

[A]

Mm.

[B]

Okay. I don't know what the issue with that is, but I'd say I'm actually hyper toned down this episode for sensitivity reasons. For you.

[A]

Oh.

[B]

Because I cry and a lot of other things. But yes, but I'm hyper toned down. And I'd say I'm even more toned down than I am when I just have a normal conversation with these people. So we don't. Not much is played into for the show.

[A]

Okay, Said it was, but I understand.

[B]

I was trying to make you feel better because you were, like, freaking out.

[A]

I had a panic attack.

[B]

Exactly.

[A]

You were a dick. You brought up something that had nothing to do with my finances.

[B]

But I didn't know it was a trigger.

[A]

And now you do.

[B]

Now I do, but I didn't know. I mean, I get anxiety attacks all the time. It sucks. I get it, but. So that's why I'm being Extra sensitive for you. And I'm being more chill than I am in normal conversations. And I probably said things to help you cope last time.

[A]

I appreciate it.

[B]

Huh. Of course. Oh, what's that strap, by the way?

[A]

I'm noticing that's my heart rate monitor.

[B]

Does it, like, do a wee woo if you're dying on my phone?

[A]

Yeah.

[B]

That's not good. Is that good? Because that would. If I had that, that would just make me always check, which would make my heart rate go up. Up.

[A]

It doesn't.

[B]

Okay, well, that's good. But because me with my panic disorder, I'm hyper focused on my heart rate, so it's like I just can't look or else my heart rate goes up.

[A]

It's something that I check a couple times a day to add to, like, see if something that I felt took a lot of energy actually did.

[B]

Why do you want to know that or need to know that? That.

[A]

So that I can adjust my life accordingly so that I don't spend as much energy.

[B]

So it's a spoon monitor?

[A]

Yeah, in theory.

[B]

And it further enables the. Huh.

[A]

It's called visible. And so it's.

[B]

And why not an Apple Watch that does so much more?

[A]

Because it doesn't. Apple Watch only monitors every three to five minutes. And this one is constant.

[B]

Oh, I just meant, like, there's a lot more things it does.

[A]

Okay. I don't need the other things.

[B]

No, you don't. But then I was asking.

[A]

And then this one also has a, like, algorithm, I guess. No, I mean, sold to me. I purchased it. So. Yeah.

[B]

Yeah. But like, where. Where'd you see this thing?

[A]

It's been pushed on my Instagram for years.

[B]

And how much did you spend on it?

[A]

It was like 250 bucks. Oh, for a.

[B]

That's crazy.

[A]

Constant heart monitor.

[B]

And that's wild.

[A]

A program that tells you that, like, you mark your symptoms and what you did that day and, like, took your medications and then it trans. Like, it translates it all into a spreadsheet for your doctor so you can say, hey, this is what my heart rate looks like and this is where I need help.

[B]

Does this not enable self diagnosing? I'm. I'm asking genuinely, does it not enable that because it gives you so much to work with that you can then look into things, research things, and like, oh, I'm this.

[A]

I have this advocate for yourself.

[B]

You mean, is that what we're calling it now?

[A]

Your fish tank? I don't know much about fish, but.

[B]

I love that advocate for that fish tank. It's not dirty.

[A]

Okay.

[B]

Not dirty. This is not very well planted. Okay, what's dirty? The dirt on the ground. Because there's dirt on the ground. Maybe.

[A]

I didn't know when the light was off, but everything looked real. Algae? No, it looks much better with the light on.

[B]

A little bloom right in the middle. But no, it's pretty chill. I mean, more plants would be good, but it has great numbers across the board, so it's okay.

[A]

Numbers across? What do you even mean by that?

[B]

When you test the water, make sure it's safe for the fish.

[A]

Oh, see, I told you. I don't know much about fish, but vet tech who doesn't work on aquatics.

[B]

I'm with you. My goodness, you're triggered so easily.

[A]

Look at you.

[B]

She's so. She's about ready to kill me with that. Come on. Like, I seriously meant that. Seriously? Like, I thought you would be doing fish surgeries. Come on.

[A]

Some vet techs do.

[B]

It's crazy, I know, but, like, I thought you did. I know. You couldn't hold down a fish for 30 seconds without your spoons going to zero.

[A]

Come on.

[B]

Okay, tell me what this is that we gotta keep going.

[A]

That is thousand trails.

[B]

Oh, yes. This is our 17 interest loan, which.

[A]

Last year you calculated as 22. It's not as 17.

[B]

Well, if you were able to provide documents last year as requested, I would know that we do the rough math the best we can. Best thing we can do is actually have statements as the emails request.

[A]

I do my best.

[B]

Well, no, you did your best this time.

[A]

I looked for that last time, so I did my best.

[B]

You used best changes for one this year. Sorry.

[A]

You'Re such an.

[B]

What I'm joking with. Do you never have people that just, like, ab. Like go back and forth? Do you not have friends where you guys just, like, do little jabs to each other? Oh, that's not. That mean doing little spoon jokes?

[A]

No, because it's a real thing that affects my life.

[B]

I would do sister jokes if you're.

[A]

A lesbian, which would also be offensive.

[B]

Oh, okay. That just means you're kind of a baby.

[A]

Okay.

[B]

If you get upset at scissor jokes. Right. That's very Sacramento of you.

[A]

I don't even.

[B]

That's also a joke. California. Whiny, crying, sensitive.

[A]

Okay.

[B]

In the bedroom. Are you a little spoon or big spoon?

[A]

Depends. Not that that is necessary for a financial show.

[B]

Financial show? This is a goon show. This is a. This has been rebranded as goon.

[A]

Okay.

[B]

We're in the goon sector. And the goon ad rates are at the top of the board. Lady Goon.

[A]

What does that mean?

[B]

Never heard of gooning?

[A]

Well, like being a. A silly goose.

[B]

That's how we use it. That is how we use it. It actually means permanent masturbation without and.

[A]

No. That's crazy. That's wild.

[B]

Yes.

[A]

You said you were a gooner in the green room.

[B]

Whoa. You said you're a goner in the room.

[A]

I'm a silly goose.

[B]

That's how we use it. That's how we use it too. You're silly up to a very low threshold, though, because then it gets offensive, and we can't do that. I could do a blonde joke too. I don't know if those are off limits these days.

[A]

I mean, they're not real, so. Do you think that people with blonde hair are all the same?

[B]

I don't know what you get offended to or not. I. I don't know. It's. You have to poke and prod until you find out. Sometimes with people from Sacramento or people with big hearts. No, no, no, no, no, no, no, no, no, no, no. In fact, I would say the people that get offended the most are usually some of the worst people I've ever met in the entire world because they hold everyone to the purity tests and they destroy people's lives as they're not 100% perfect in every way whatsoever. And they eat people alive and they act like they're kind online and then in person and in real life, when it comes to actually helping others, they don't do shit. And those that are willing to actually joke with each other and who have open minds and who are willing to be fun and not care about every little thing that a word is said, actually stand up and stick for people when real shit matters. And it comes down to it. That's what I've noticed in the real world. Not performative. Weird motherf ckers. Not saying you're one, but usually those type of people that get offended by everything are. They're performative. They Virtue signal. And then when it comes to actually stepping up, they do nothing. Except maybe they went out and protest one Saturday. Yippee for them. Okay, so campground, right?

[A]

Mm. And I've paid an extra, like three to $4,000 on that this past 10 months.

[B]

Yeah, I love that it's gone down from the original 8860 to $3165.30, so.

[A]

I could technically pay that off right now, but I could.

[B]

You do all because you could pay off the Last one you can pay off. This one. Could you do them all at once? Because then it no longer matters.

[A]

Excuse me if I that offended my senses.

[B]

I demand an apology. Now I have to bring that in.

[A]

So there's your apology.

[B]

Yeah, but that was an unconsensual. Excuse me. I'm not forced to excuse you.

[A]

Okay.

[B]

Haven't we taught consent in California?

[A]

So I could, could pay them both, but that wouldn't be wise for probably not my emergency fund type of.

[B]

Then we'll look at that at the end and we'll, you know, kind of look at what the best thing is.

[A]

And there's no point in paying off.

[B]

Like well, this is 70 interest I.

[A]

Would say, but I meant the, the affirm, the 0% affirm. Like as long as it's actively managed.

[B]

It is still risk though.

[A]

Yeah.

[B]

Especially when you're in a more volatile life like you are having any kind of level of debt is an extreme risk risk because that can come due or it can face penalties or hit your collections and then you're minimal payment that is 205 cents. And then what is this thousand trails thing? Because this is different.

[A]

That is the annual due. So that's only once a year.

[B]

Right. But I wanted to include that because.

[A]

You talked about dues last year.

[B]

Well, when is it due?

[A]

You can pay money on it. That's the most recent statement that they gave me is. It's from.

[B]

Is this monthly or is this the annual.

[A]

No, that's the annual.

[B]

So the 620. 635 is annual?

[A]

Yes.

[B]

Do you owe that right now?

[A]

No, I don't owe again until June.

[B]

Okay. Ah, yes, the car. So didn't send a statement for this one?

[A]

Well, I did send a statement for my car.

[B]

Oh, perfect. Okay. I have it right here. Subaru, 5.19% interest rate. Not horrendous, but we do owe, which by the way, I mean, I'm glad you have income now, but even, I mean even with this income, I couldn't even imagine before. This is an insane balance to have at $18,759.31. Minimum depayment $502.83. That's also another thing, the zero percent. If we think about these zero percent that we're doing, you stack that along your other debt, then you stack it all up and life becomes less affordable on a monthly basis because you just really hyper build up your minimum payments, which is more risk. Even with 0%, it wouldn't necessarily advocate for the. Especially since it's not a photo shoot, you know, it wasn't a necessity. It wasn't anything that was actually other than a want.

[A]

Right.

[B]

Like hey, we got to take our top off. Like woo.

[A]

You really are are honing in right on those three images, aren't you?

[B]

Because when there's a couple interesting elements in a conversation. Yes, that is what I focus on. That is podcasting, as they say.

[A]

It is entertainment.

[B]

The talent, the talents. I've never thought of it like that, but I appreciate it. I just started a show. That's it. But, but thank you.

[A]

Yeah. And even when I was unemployed, I still never missed a car payment.

[B]

Yeah.

[A]

So I make sure I'm the.

[B]

I'm just making sure. I'm just saying what's risky because you're even with the zero percent, especially on things that are not beneficial in life anyway whatsoever are really stacking up because now we're already at a thousand two hundred dollars minimum. Now you do have an equity position in this car of about 3,000 bucks. I do like that.

[A]

But. But we had the discussion in the post show last year about how like it's not a smart move for me to get a different car.

[B]

Maybe not. And I might be okay with that, you know, depending on a few things. Now you have a closed Apple card. Is it in collections? And 8593.

[A]

I think it's in sort of collections. They closed it, but they internal collections first.

[B]

Probably.

[A]

Yeah, but we talked about that last year. It's just. It is what it is. It's. It'll get.

[B]

Is there a minimum monthly. No, I was in collections.

[A]

Okay. No, yeah. None of this stuff on here on my credit report. Besides the auto finance is something that I am paying towards.

[B]

So still owed on the apple is $8,593. And then we have two additional collections. I forgot about that.

[A]

Yeah, the Costco suing me, which I haven't heard anything about about since.

[B]

Well, they still might come. We'll see. Excuse me, bruh.

[A]

I had a carbonated beverage. Okay.

[B]

But when I burp, I don't always audibly burp. That's interesting. And then your additional collections stack up to 2,000 23,000. Oh, the things I want to say, but I can't.

[A]

Why can't you? Is it in relation to something?

[B]

Because you said. Yeah, and I'm following it. It.

[A]

Yeah. Cuz this has everything to do with that.

[B]

No, but it does have to do with how you projectile air. Wow. Okay. Student loans. And this is for vet tech, right?

[A]

Yes.

[B]

Okay.

[A]

That is for my associates.

[B]

20, 23. Okay. So this will end.

[A]

I don't know what that means. What will it.

[B]

You not having to make a payment will end summer of next year.

[A]

Okay.

[B]

Then you have payments owed, which once you get on a repayment assistance program plan, the RAP plan, the Trump's administration's new plan, you, you would probably be at about 3 to 5% of your income, maybe 2. So.

[A]

Okay, okay. I don't. Yeah, I don't know what that has to do with me right now planning.

[B]

For like nine months from now. It's very important. You say you don't get anything and then I try to tell you what something's going to be like in your near future and then you just don't listen. It's like, okay, so student loans for now, is that you don't think that is important information, how your life's going to look in a few months?

[A]

I think it is.

[B]

Especially when you're taking out more 0% debt which stack up minimum payments and now you're about to have one forcefully added to your. Else your wages will be garnished.

[A]

I don't know what you're looking for, Caleb.

[B]

Well, you can acknowledge that that's important.

[A]

It'll be important then.

[B]

Yeah. I would plan what I'm doing with my life now based on what's coming.

[A]

Knows politically what's going to happen.

[B]

I do. Trump will still be president and he will still have the Department of Education in his administration, the head of the.

[A]

Department of Education, a lot of things that he's.

[B]

Okay. I'm sorry. The repayment assistance program. The repayment assistance program was passed through the law, remember bbb?

[A]

I don't, I don't.

[B]

Well, if you don't follow it, then how can you even potentially try to speak on it? I'm sorry, but no, like, this was passed into law. That is the new student loan repayment programs. Okay. This is coming. I want you to prepare your life for it. Because if you're adding more 0% debt, which isn't inherently a bad thing necessarily, it is conceptually driven and it will make it harder for you to make a minimum through payment on your student loans, after a few months of not paying them, they will go into default and they will garnish your wages and that is not consensual.

[A]

And by then a lot of the other monthly payments will have fallen off.

[B]

Okay. She doesn't. Okay, great. Wonderful. I'm just trying to tell you what's coming. I'm not saying it is bad. That you have the student loans.

[A]

Yeah. When I went into my retirement account, it wouldn't let me pull up a statement for one of those. It let me pull up a statement for the other one, though.

[B]

Okay, so total retirement. What's this sitting at today?

[A]

Like 20 maybe?

[B]

Okay, yeah, definitely behind for your age, dramatically. But I'm glad you have something. It is sitting there and it is compounding.

[A]

I did spend five years out of the work field, so.

[B]

Yeah, by choice. That happens.

[A]

That's my check that didn't go through, that I didn't know about until.

[B]

Is this included in that 20 that you gave me or is this now 25? So it's 25.

[A]

Yeah.

[B]

In retirement. That's good. That's even better.

[A]

Well, once I get that figured out. Yeah.

[B]

Savings account. 3. So you couldn't pay off both debts together.

[A]

Why when my checking.

[B]

Okay, our checking account has 6,000. Oh, wow. Yeah, 6,000. But that comes with a lot of spending. Which Pet Smart. Which, you know, you do have cats, but it is, you know, Pet smart. Ubereats to the trailer.

[A]

No, to probably to a house sitting place.

[B]

I bet those houses have refrigerators. Amazon, a pet hospital. That's fair. Affirm McDonald's. Ubering. Apple Uber, More pet hospital.

[A]

Oh, the Uber was because my car was in the shop, so I had to get there.

[B]

That's another reason why I don't want to have minimum depayments. Right. Or zero percenting debt. Because things like that pop up the 450, the car in the shop pops up. Apple bill. Uber eats More pet. Amazon, Walmart, Dutch Rose coffee. Chewy for the dog or cats? Chewy for the cats. Craigslist. You posted something on there.

[A]

Yeah, my Craigslist auto renews every month for my pet sitting. I get about 30% of my clients from Craigslist.

[B]

Uber eats Laundry's okay. Obviously. Dutch Bros. Amazon or a Bloom. Uber. Dutch Bros. Fantastic violation.

[A]

That's the fast track.

[B]

Fast track violation.

[A]

Yeah. So that was last year. I talked about a bridge toll that I hadn't paid because it was in my pile of mail that I hadn't opened. But I got that figured out. Yeah.

[B]

Stadium garage, the Greek Amphitheater, the Greek Theater, McDonald's, Amazon Prime. And I've heard you spent like rounded up almost 3,000 on Amazon this year. So I want to take that up. If you can pull up your Amazon, McDonald's shake and bake. Zelling out money. Affirm. Kickstarter.com shouldn't be Kickstarter. You should be Kickstarting. Towards your debts. You're not contributing to other people's projects, just your own right now. And then you can contribute a lot in the future. Dutch Bros. Dutch Bros. That's already done.

[A]

So it don't matter.

[B]

Well, obviously we're talking for the future. Okay, Uber went in, got some bullshit. Apple, Apple, Royal, Kane. Lots of. Yeah, lots of animal spending.

[A]

Pet food.

[B]

I know. And then there's a lot of pet spending throughout.

[A]

It wasn't my. My pets. I get a 50 discount on prescription diets. And so if I have friends that have their pets on prescription diets, I'll use that discount for them and then they pay me back.

[B]

All right, let's see this. Amazon.

[A]

Amazon.

[B]

Oh, and apparently there's some crazy shit that happened after the last episode with your sister in law. Oh, we're gonna go through that in the post show, ladies and gentlemen, so make sure you stay tuned for that. But we're gonna go through our Amazon first.

[A]

Which I'm just double checking real quick.

[B]

And a friend on death row. What the is happening? This is crazy.

[A]

No, you remember my friend on death row.

[B]

I. I do not clearly. But.

[A]

Well, we talked about it, so I talked.

[B]

Yeah, I talked to too many people.

[A]

Yeah, I figured Friend on death row, not friends anymore.

[B]

So we'll go into that more. This is just because you were sending money to her three.

[A]

No, I wasn't sending money. I was shuffling money. I can't find how to.

[B]

I can.

[A]

Okay, this. This is the past three months. Okay, but cool.

[B]

And then starting the screen recording. Blacking out. Private information. This orange filter is wild you got on here.

[A]

I have an orange filter? Oh, the. It's to cut blue light.

[B]

Yeah, yeah. Okay. Shower scrubby. That's good. She's clean. We're happy with that. Candles. Definitely don't need that.

[A]

Unless the trailer is stinky citronella candles. And I live on water at both sites, so there's hundreds of millions of mosquitoes and I like even right now have mosquitoes. You got more.

[B]

You got more. Dish brushes, water wipes, Sensitive body. Yeah, that makes sense for you. Compression socks, that's okay. Toilet paper. That's okay. Wrist crackers. You know it's not the end of the world. Body protective knee pads. I get it for you.

[A]

Which I have to buy new ones of those.

[B]

Like a 15 inch pump. Lots of notebooks.

[A]

No, it's storage. I got the notebooks delivered and packaged, so the hammock is my favorite pastime. So great.

[B]

It should be paying off debt, but money clip. There's Lots of it in there because we're getting hammocks. Lots of things for the cat. I mean this isn't the end of the world. The backpacks and some protective stuff for you. It's just. It's just a lot of stuff is the issue. Lots of cleaning stuff and toothbrush but stick thing for your steering wheel and thermostat or thermometer.

[A]

Yeah, an ear thermometer for work. So for the kiddos so I don't.

[B]

Have to go up their spinning a lot. But let's see. Okay, so 37 comes in because I need to set aside a thousand or a hundred dollars a month for taxes. Because you will have to file these pest any taxes by the end of the year. Let's get your debt minimum payments right now. I know it's quickly going to change with the firm but that'll be calculated into the formula. Your minimum monthly debt payments right now before your student loans kick in is $1,202.88. Now utilities and stuff that kind of goes into that annual fee. What's that annual fee?

[A]

The annual fee that you just looked at the 600.

[B]

600. And then if you. And then something was like, like how much a week?

[A]

At another cost 350 for one week. But it's only one week a month.

[B]

One week a month. So times that by 12 plus the 600 and then I'm going to divide that by 12 and we're calling it $400 a month for utilities. Just about. Is there anything else in utilities I should take an account? Like is there Internet? Is that included?

[A]

That's. It's on my phone. I have Internet on my phone.

[B]

Okay. So what's your phone bill?

[A]

My phone bill is like a hundred which is cut down by a lot from last year.

[B]

Yeah, gas. Vroom vroom.

[A]

Drive, drive Room room drive drive. I can ask my financial app. Let's see it'll tell me how much I spend average monthly.

[B]

Average would be okay and acceptable since.

[A]

Or how about in 2025 and then let the little AI do its thing.

[B]

Right. Okay. 300 for groceries. Meal prep. Meal prep. Meal prep. And you also might be lentils. 150 to the TP fund. That includes you, your cat, anything you need, anything you want. The more septum piercings you want that you can budget in. You can get them medical healthcare Co pays. You got a lot of things wrong with you.

[A]

Are you $0 copays?

[B]

Huh?

[A]

$0 co pays. I pay nothing for prescriptions. I pay nothing.

[B]

Pet insurance. Are you Doing it?

[A]

No. But I do have a bundle of preventive care services as part of of my corporation and I get it for free. So it's. Yeah. So like I get Jesus like $1800 worth of free stuff and then I get a 40 discount on everything else.

[B]

I'll do 30 for subscriptions. Car insurance.

[A]

Car insurance is 260 and is that.

[B]

Including on the trailer?

[A]

Trailer is 400 a year and I just paid that off.

[B]

Okay, 400 divided by 1212. We'll budget that in at 34 bucks.

[A]

My belly hurts.

[B]

Oh, why?

[A]

It says my overall average. I don't think that. Oh 310. 200 to 400 range monthly with lower payments. Like May was 77 and okay, I'll.

[B]

Call it 310 bucks.

[A]

Yeah.

[B]

All right. Anything else that needs to be in your budget that I need to take into account that I have not put in there yet. Cuz this is it.

[A]

Probably things that I will allow my storage unit.

[B]

Oh yeah, sure. How much?

[A]

That's 100.

[B]

Okay, one second.

[A]

And we got my car payment.

[B]

Yeah.

[A]

Groceries. Eating out.

[B]

No eating out. You pay off debt.

[A]

It's only that I have.

[B]

I'll see if I can budget it in.

[A]

But I have a budget and then. Yeah, that's it. So like oh, life insurance which is 35amonth. Why I got it when I was 16.

[B]

Stop.

[A]

Why would I stop? A life insurance policy that I got when I was young and healthy and now would be more expensive and less coverage.

[B]

1. Who's benefiting it from other than is a whole life or is the term. It's whole life.

[A]

Yeah.

[B]

Okay. Really the only people that you are losing to the market in every way whatsoever. If that money was going to the market. 2 the only people that benefited from it are those who can borrow for it and have seen low rates instead of taking capital gains out which are ultra wealthy individuals. Whole life insurance is making no sense for the average person, especially you.

[A]

I think they are. I don't honestly know.

[B]

But I said 15 bucks a month.

[A]

Like 30. But with that it's something where is that it? If I die, my mom gets hundreds of thousands of dollars. So that's why I have that.

[B]

Okay. $783 and 12 cents left. That's okay, let's. I'll contribute. No, not that much. Not that much. $183.12 to Food to going out if you'd like.

[A]

In my budget it's only 100.

[B]

Okay, well I'll do 183.

[A]

And that is because you spent more.

[B]

Than that anyway, so. Well, but that gives you an extra $600 left on a monthly basis.

[A]

And so far 90% of that has been going to paying off the high interest loan.

[B]

Yes, and it should. 100% of it should. So with the 3100. $3165 on the campground loan divided by that 600. Yeah, let's pay that off in about five months.

[A]

And it'll be before that.

[B]

I hope so please do without pulling from anywhere else. I don't know how you'd be doing that, but go ahead. I'm okay with the minimum payment to on the Subaru until it's paid off. Same with the affirm. I wouldn't stack up any more 6 like 0% debts.

[A]

Was not playing.

[B]

I really would not do it. Okay.

[A]

Before the thing, no more random photographers and stuff. Yeah, it was a once.

[B]

And then from there I'd save up a six month emergency fund which you know, you got a couple thousand hours towards 3,000 hours because I don't count what's in the checking because that comes and goes. And I thought that you started lower, you ended higher. It's like it comes and goes. But student loans we're prepping for. And you make the minimum payments until those are paid off once they start. And you will also start tackling the collections if you want better credit. If you don't.

[A]

My credit is like 650.

[B]

Okay, that's not great. So if you want.

[A]

But what do I need credit for?

[B]

Well, if you ever decide to do anything like live in an apartment, get a different car loan. Because who knows why you're limiting your debt availabilities. But if you don't care, then don't do it. And then you start catching up on retirement. You can live 50, 30, 20 quite easily. 50% on needs, 30% on wants, and 20% to retirement. You could totally do that. This isn't that hard of a debt payoff process. What?

[A]

I, that's, that's great. I, I know I could do it. I've been making shit work for a long, long time.

[B]

Well, except, well, nine months.

[A]

No, I've been okay.

[B]

Your shit was only getting worse when I saw you the first time. So I just don't want that to happen again.

[A]

But again, even when I was unemployed, I never missed a payment.

[B]

But again, even once you got employed, you spent immediately a full month's worth of income on a photo shoot.

[A]

So we're talking nine months into employment.

[B]

So when I month's worth of pay. Come on, we're talking about behaviors and where we're going from here. Don't pretend like you just got it together. I will say good job. That the affirm. Well, it's actually not lower than it was. The campground's a little lower, but that's pretty much it. Nothing else has really changed. You would have made more progress if you were going harder if you were following the budget we did last time.

[A]

So you didn't make me a budget last time. You said it was pointless. Pointless.

[B]

Oh, okay. Well it's not pointless this time. At least you have a job because you're right last time if you didn't have an income, how could I make a budget? So that's fair point me from the past. But now it makes sense to make a budget and you can get out of this and I. A little more progress would have been nice but you can keep going. Keep going.

[A]

I think from being a projected 600 in November last year to making 1400 in November, 1400 in December without a job. Job.

[B]

Yeah, the job part's great. I'm more talking the debt payoff.

[A]

Yeah. Which I've. The only high interest loan that I have is the thousand trails and so like I said, I've put thousands of extra dollars towards that.

[B]

Yeah, yeah. A couple extra thousand. Yeah, yeah. Okay. Hammer Financial Score. Remember join us in this post show. Before I give the Hammer Financial Score, we're going to talk about insane drama that happened with her ex sister in law after the last financial audit and then also that money laundering scheme that definitely happened in prison. Okay. 2 out of 10 for spending in a budget. That is because you're not overspending what came in. You are still doing Uber eats when you should be paying off a 17% loan or whatever that is. But it is still. It's not the worst in the world, but it is certainly not good debt. We have collection 0 out of 10 emergency fund. Happy to see 3000 hours sitting in there. I'll give an extra point because there was money in the checking account. So 4 out of 10 and my.

[A]

Savings account I got the highest interest available. So that is 4.2.

[B]

Good. Yeah. Retirement definitely behind for sure. Where would I want you to be at? I'd want you to be at.

[A]

Yeah, that's a good question.

[B]

About 54,000, maybe 60,000. 60,000, yeah. Which is a five out of ten.

[A]

Oh nice.

[B]

In real estate, one out of ten.

[A]

You can count me.

[B]

Well, because you can get rid of that land and make money from it and hopefully it goes up in Value. Right. It.

[A]

I mean, it's not like I don't pay towards a campsite. It's towards. Never mind zero out the thousands of campsites over the.

[B]

Zero. Zero. I can't give it to that. For some reason, I was thinking for a second you ought to plot and I. I was wrong. Okay. That's going to be a Hammer Financial score. Up from a 5 to a 2.5. That is the income, just strictly income. And the emergency fund. So let's celebrate those. Those are actually really well done on that. I'm happy to see the emergency fund, the retirement and the income come in. You should be proud of those things. And you did make, you know, a little bit of progress on the campground. Of course, more would have been great.

[A]

More than I would have if I.

[B]

Of course, if you didn't have an income. Sure. But let's celebrate those things. Yay. Take those. Those are big W's.

[A]

More than Caleb losing his virginity? No, no, but.

[B]

Well, that was more monumental and exciting, if we're being honest. And a lot more gay. Join us in the post show. See you there. Three premium shows posted every single day, Monday through Friday. 20 extra minutes of every financial 100 episode. Let's fucking go. I'm surprised you didn't disclose you selling. Oh, so slander. She slandered you. We're not gonna say for what was slandered, but she slandered you in a aggressive way.

[A]

Whoa.

[B]

Why would she make up something like that?

[A]

Misunderstandings and hatred held in her tiny little heart.

[B]

Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.