The Most Delusional Woman In Financial Audit History

Summary

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Financial Audit Podcast: "The Most Delusional Woman In Financial Audit History"

Date: February 13, 2026
Host: Caleb Hammer
Guest: Dolly, 38, Knoxville, Tennessee

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Episode Overview

This episode features Dolly, a 38-year-old remote Revenue Cycle Systems Manager from Knoxville, Tennessee. Dolly joins host Caleb Hammer to confront claims from friends and family that she’s “bad with her finances”—a notion she’s eager to dispute. Through sharp banter, probing financial forensics, and sometimes brutal honesty, Caleb reveals layers of financial delusion, overspending, and questionable money decisions, culminating in what he calls “historic” financial mismanagement largely fueled by Dolly's passion for competitive cornhole.

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Key Discussion Points & Insights

1. Introduction: Dolly’s Mindset & Motivation

• Dolly claims her finances aren’t “as bad as people say” ([00:28], [04:31], [22:08]).
• Instantly, inconsistencies emerge: she cannot state her exact income and struggles to access her payroll information ([01:31]-[04:39]).

2. Income & Paycheck Confusion

• Job: Remote Revenue Cycle Systems Manager, healthcare sector, based in California ([01:31]-[01:48]).
• Salary: Estimates $110,000 but is repeatedly unsure and takes a convoluted route to finally confirm ([01:54]-[03:23]).
• Net Pay: Brings in ~$3,035 bi-weekly, but initially cannot specify whether pay is bi-weekly or semi-monthly ([06:53]-[07:31]).
• Daily Pay Advances: Moves money to her checking account every day instead of waiting for “normal” paychecks, claiming “I like to see the money in my account” ([09:35]-[10:16], [15:19]).

"Why is it bad to move the money to my checking account every day?"
— Dolly ([10:16])

3. Debt Overview & Apathy

• Claims ~$50,000 in consumer debt, plus a $173K mortgage ([11:42]).
• Eventually admits her true knowledge of her debts only recently improved for the show ([13:14]).
• Mortgage manually paid monthly; avoids autopay despite no genuine rationale ([12:04]).
• Immense cognitive dissonance about whether her expenses and debts are "okay" ([22:08]-[22:13]).

4. Spending & Budget Breakdown

• Recurring Theme: Survivor bias—Dolly feels that if bills are paid (even on credit card minimums), she is financially responsible.
• Credit Cards: Pays minimums, not balances in full ([16:21]-[16:39]).
• Cash Flow: Recent month—brought in ~$6,000, spent $11,000 ([16:37]-[16:54]).
• Routinely puts bills and day-to-day spending on credit cards for “cash back,” ignoring or underestimating interest costs ([22:14]-[22:22], [32:46]-[33:07]).

"You brought in almost $6,000. But you spent 11."
— Caleb ([16:49])

5. Cornhole Obsession: Where the Money Goes

• Cornhole is both hobby and (she hopes) side-hustle, consuming thousands annually in tournament fees, travel, and equipment ([17:49]-[30:57]).
• Spends up to three hours daily practicing, plus regular travel for tournaments; justifies as “community” and personal happiness ([18:43], [20:47], [23:28]).
• Built an $800 sq. ft. dedicated “cornhole barn” in her backyard, which cost over $50,000—financed with high-interest loans ([41:25]-[49:07]).

"It cost me probably upwards of like 45, 50 [...] $50,000 so far for this."
— Dolly ([48:57])

• Entry fees, travel, and equipment over the past years approach $100,000 ([54:17]).

• Admits to a troubling extent of financial commitment:

"You could have done so many things [...] you’ve likely spent over $100,000 on cornhole."
— Caleb ([54:17])

6. Personal Life & Motivation

• Divorced, no children, three dogs. Formerly left California after marriage breakdown (cites “financial and domestic abuse” as partial cause) ([32:21]).
• Cornhole doubles as a social/love life: meets up with a younger “situationship” at tournaments, low commitment ([24:39]-[28:11]).
• Multiple purchases—often online, sometimes forgetting what's ordered ([71:05]).

7. Financial Defense & Host Skepticism

• Insists she’s “good with money” due to paying bills, using cash back, avoiding autopay unless incentivized ([15:24], [13:06]).
• Caleb repeatedly highlights the contradiction between daily cash advances, minimum debt payments, and ballooning liabilities vs. her perception ([13:36]-[16:39], [37:15]-[38:32], [22:19]).
• Exposes Dolly’s faulty budgeting practices, especially her focus on “immediate happiness” over long-term stability and debt repayment ([20:55]-[21:22], [38:32]-[42:04], [88:44]).

8. Emotional Disclosure: Cornhole "Palace" Financing

• Took out multiple high-interest personal loans to build the cornhole barn; also required HOA-mandated improvements ([41:25]-[47:54]).
• At one point, considered cashing out retirement to pay for hobby-related debt ([60:02]).
• Caleb: “You have a room that probably adds an extra $10,000 in equity if you’re lucky [...] And now you have nothing to show for it.” ([54:17])

9. Budget, Sacrifice, and Potential Action Plan

• Caleb lays out a possible budget:
  • Mortgage: $1,132/mo
  • Consumer debt minimums (excluding home): $1,565/mo
  • Utilities: $515
  • Other essentials: groceries, car, pets, insurance (totals approximated)
• With tight budgeting and using $15K of her emergency fund against high-interest debt, it could take ~4 years to pay off, assuming behavioral change ([89:33]-[90:15]).
• Firm advice: Cornhole does not fit in the budget until debts addressed ([89:33]-[90:25]).

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Notable Quotes & Memorable Moments

• “That’s historic. I’ve never heard anything like that on this show.”
  Host Caleb on $50,000 cornhole practice barn ([49:07])

• “Everyone around you is correct and I want them to know that they were correct, and she came on here for you not to be correct. But you are correct.”
  Caleb, on friends/family assessments ([21:45])

• “I just don’t consider it bullshit spending.”
  Dolly, on cornhole expenses ([34:53])

• “You’re budgeting by the day, not by the month... and when we’re budgeting by the day, with a proven method, you’re never going to make any progress.”
  Caleb ([37:53])

• “If you don’t actually give a shit, then I don’t give a shit.”
  Caleb urging behavior change ([89:33])

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Major Timestamps & Topics

• [01:31] – Dolly introduction/job/income confusion
• [09:35] – Admission of daily pay advances
• [11:42] – Admitting full debt load and mortgage
• [16:37] – Monthly spend vs. income calculation ("You spent 11, brought in 6")
• [22:08] – Defense and denial ("I'm paying my bills, I'm making money")
• [26:11] – Cornhole as social/love life
• [41:25] – Personal loans for cornhole barn
• [48:57] – $50,000+ spent on practice space
• [54:17] – Total cornhole spend approaches $100,000
• [60:02] – Considering 401k to pay down hobby debt
• [88:44] – Debt repayment timeline: ~4 years with strict budget
• [89:33] – "Cornhole does not fit in the budget"
• [90:25] – Final assessment: willingness to change is the only real solution

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Tone, Style, and Dynamic

• Caleb: Sarcastic, aggressively honest, occasionally mean but ultimately goal-oriented.
• Dolly: Defiant, self-deprecating, defensive but candid; oscillates between self-assured and self-aware.
• Interaction features many humorous, crass exchanges, with the host pushing hard to break guest’s denial.
• Guest’s refusal to consider cornhole a luxury or unnecessary expense is a recurring comedic/dramatic element.

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Summary: Key Takeaways

• Dolly is a high earner with significant consumer debt, self-inflicted by a refusal to forego luxury/pleasure spending—mainly cornhole.
• Despite high income, she spends nearly double what she makes, mostly on travel, tournaments, and an extravagant cornhole barn funded with high-interest loans.
• She approaches money on a day-to-day, “feel good now” basis, deflecting from long-term consequences until harshly confronted.
• Caleb prescribes a strict budget, aggressive debt payoff, and a moratorium on non-essential spending—especially cornhole—until debts are in order.
• Guest seeks validation for her spending from the host but is ultimately told, unfiltered: everyone around her has been right all along.

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For Listeners:

If you’re ignoring debt, floating expenses on daily pay advances, or telling yourself your hobby is an “investment,” this episode is required listening. Caleb’s ruthless audit isn’t just for Dolly—it’s a warning for anyone rationalizing reckless financial behavior.

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For more, including the call to Dolly's cornhole coach boyfriend and a potential live cornhole challenge, catch the post show on Hammer Elite.

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Transcript

[A]

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[B]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Everyone around you is telling you you're bad with your finances, but you just don't think it's as bad as they all say.

[A]

It's not as bad.

[B]

It might be as bad as they say. Are you married?

[A]

Not anymore.

[B]

Correct.

[A]

You want to get into that? Because we can.

[B]

At least I can hold down someone.

[A]

It costs me probably upwards of like 45, 50 because the like everything was $50,000 so far.

[B]

For this, there's a quiet okay, that's historic. I've never heard anything like that on this show.

[A]

I mean, I'm living my life. I'm enjoying what I do. I'm paying my bills, I'm making money. You shut the up.

[B]

Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to Dollarwise.com to change the future.

[A]

Hi, I'm Dolly. I'm 38 from Knoxvill, Tennessee. And this is Financial Audit.

[B]

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

[A]

I work remote.

[B]

Okay. What do you do? Well, I, I, I didn't ask you if you worked. Okay. I don't want to be a dick.

[A]

Relax, relax. Revenue cycle systems manager for a healthcare company based in California.

[B]

Well, guys, she's remote. The most important thing to know about her job.

[A]

Yeah.

[B]

What do you make in your remote position?

[A]

So I actually had to look it up when I was filling out the application pay. I did. I had a general idea like salary is about 110 a year.

[B]

About one time. How do you not know your salary? I understand. Listen, bonuses can fluctuate. Okay. Maybe we don't know our take home taxes and stuff like that. It's not perfect, but this is your literal just on the where you signed on the dotted line contract agreement of what your salary is. How do you not know?

[A]

Because you get like percentage increases. I've been there for a couple of years now, so I've gotten a couple increases and you don't know plans to. It's like one. 110. We'll say 110.

[B]

Can we say what it is actually instead of is?

[A]

You want me to pull it up right now?

[B]

I would like to know your pay or not. But you said about 110.

[A]

We'll go with 110.

[B]

I'll pull it up. No, you will go with. We'll go with whatever the real number is. Thank you.

[A]

110.

[B]

No, you. Mora. Listen, you told me. We'll go with. And it's about. How about. Do you know that's the real number?

[A]

110.

[B]

You're just saying that over and over again. Okay, that's not. You're just saying that over and over again. I'm just trying to clarify. You told me about. And we'll go with. Do you know for a fact that it is 110?

[A]

110. We'll go with 110. Do you want me to pull it up so you can see the exact number? Holy shit. I offered to do that when we got here.

[B]

Are you. Yeah. I was involved in that conversation when I wasn't there when you got here. What are you talking about?

[A]

Well, hold on.

[B]

Colton and I share the same mind. We're like in. But what is it? What's the Apple show? Plis. Plibrous. Plubrous. Are we like all a hive mind here? I know the exact conversation you had with him when you walked in the door.

[A]

No, I said. I offered at this table when we started. I said, do you want me to pull it up?

[B]

And I said yes.

[A]

You said no the first. You didn't say anything the first time. So I can't even get logged in now? Hold on. Uh huh.

[B]

Can't even get logged in now.

[A]

Oh, calm down.

[B]

Is this an issue? Typically you're making it.

[A]

No, I logged into it yesterday.

[B]

Now it's like. It seems like an emergency. Like this never happens.

[A]

Well, I don't log in from my phone. I log in from my computer.

[B]

I don't tell me what's concerning anything about you. I go into these blind. As I told you. But literally, the one quote I have from you in conversations with Colton is that everyone around you is telling you you're bad with your finances, but you just don't think it's as bad as they all say. And you essentially wanted to come on to prove to those people that it's not as bad as they say.

[A]

It's not as bad.

[B]

You can't tell me how much you make, and you can't log into your account to tell Me, how much you make. It might be as bad as they say.

[A]

I don't log in from my phone. I log in from my laptop, which has my password saved.

[B]

That's why the laptop that you work remote on.

[A]

Yeah.

[B]

Password saved. Why do you not have the same password manager installed on your phone?

[A]

Because if I access it from my laptop and it says, hey, you need to reset your. You need to change your password. It's been however many days. It saves the password in the password in the website.

[B]

Password manager.

[A]

Password manager. Thank you.

[B]

Of which, why do you have that same password? I'm asking. No, you. I'm sorry. I'm sorry. It's actually the dumbest thing. I just.

[A]

Okay.

[B]

Do you not. I wanna. Let's. We need to break down that conversation real quick, just so you know that maybe everyone around you might actually be right. You said, oh, you know the password saved on my computer. That's why I can't have it on my phone. And I asked, okay, why don't you have the password manager on your phone? And then he said, well, when they ask to change it every few days, I save it in my password manager, and my password manager's not on my phone. It's on my computer instead of. That didn't answer why it's not on your phone, you moron. I'm so. How. How did you possibly do that?

[A]

Okay, that was one of the most.

[B]

Idiotic things I've ever.

[A]

The application is not available. That's why I can't get in.

[B]

What application's not available?

[A]

Dayforce. It's down.

[B]

Huh?

[A]

The Dayforce app, where I can pull up my phone.

[B]

Let me see, let me see, let me see, let me see, let me see, let me see.

[A]

It says it's down. It says it's not available.

[B]

It doesn't say it's down. That might be an error message of you, but.

[A]

But to explain why I couldn't just open it up.

[B]

It doesn't say everything's down. It's one of those general messages.

[A]

Okay, okay, I will.

[B]

I mean, it is. It isn't. Our system is having issues.

[A]

I'm going in from the web version instead of the app to see if it lets me in. Give me one second. Holy hell. Okay.

[B]

You're the one putting me through pain and trouble. What are you. What are you. What are you doing? What are you reacting for? What are you talking about?

[A]

Here, here, here.

[B]

Colton says you legit don't know your pay. Oh, he knows your pay. And you were wrong.

[A]

Am I wrong?

[B]

Oh, my I'm not telling you. Figure out. Let's see if you're able to do this.

[A]

Okay, hold on. Year end statement.

[B]

Year end statement. You can't just tell me your pay stub? No, you said you were looking for your pay stub. Your most recent pay stub will tell me how much you bring in net.

[A]

Oh, does it? I don't. Well, BI weekly. It's 30, 35.

[B]

So you know that.

[A]

Yes. You asked me what my. What my pay was. I thought you meant annual.

[B]

Well, that's fine. I didn't think you'd know the other one either. If you don't.

[A]

Sorry I broke your microphone. It's 30, 35 every two weeks. I thought you were asking for my annual salary. I apologize.

[B]

I was, but the fact. I assumed you wouldn't know your net either if you didn't know your salary. It's kind of concerning that you don't know your salary for the job, that.

[A]

You agreed to $3035 every two weeks.

[B]

You make pretty good money for a cheap area of Knoxville because it's basically like a city that's completely collapsed. No, that's Memphis. Never mind. Sorry. I apologize. Knoxville. I don't.

[A]

Other end of the state.

[B]

Yes. Okay. Like Appalachia, right? So, heroin. Okay. Great.

[A]

Okay.

[B]

Yeah.

[A]

I don't know. I don't hate heroin addicts.

[B]

Really? Your arms say different.

[A]

I got these in California with heroin addicts. No.

[B]

Skid row?

[A]

No.

[B]

Tenderloin district?

[A]

No.

[B]

6,070 bucks a month is pretty good for coal country.

[A]

I think It's. It's every two weeks. I think it ended up being like 65, 75 total. Like, because it's like four and a half weeks in a month. So 30, 30, 35 bi weekly or what? Bi weekly. 30, 35 every two weeks.

[B]

Pull up your pay sub.

[A]

Oh, my God.

[B]

Actual. I don't believe. You know what? I don't believe anything you're saying.

[A]

You can give me an apology when you look at it and say, oh, yeah, it is 30, 35 every two weeks.

[B]

Sure. Except I have a feeling you don't even know how to make it through a honey. Other side of the road. I got here, and it's impressive every time, let me tell you.

[A]

You're welcome for my company. I'm a delight.

[B]

Are you married?

[A]

No.

[B]

Correct.

[A]

Not anymore.

[B]

Correct.

[A]

You want to get into that? Because we can.

[B]

I'm sure we will at some point. But are we fantastic? Are we?

[A]

You're gonna feel really bad, so it's fine.

[B]

I'm gonna feel Bad?

[A]

You're gonna feel bad if we get into it.

[B]

Okay, maybe. I don't know.

[A]

I looked at this last night. It is 3035 though.

[B]

Per Paycheck.

[A]

Per paycheck.

[B]

And that paycheck that directly hits at that point is only every two weeks.

[A]

Yes, but. And you're going to hate this.

[B]

And two months a year, you get three. Two months a year, you get 3. Are you semi monthly or bi weekly?

[A]

I mean, two times a month, I get 3. What are you talking about? Your math doesn't make sense.

[B]

Whoa. I don't know the kind of heroin they make in these.

[A]

30, 35 every two weeks.

[B]

Yeah, it's six every two weeks. Are you bi monthly, are you 1st and 15th? Or are you every other week?

[A]

Every other week.

[B]

Okay, but two months a year, you.

[A]

Get money out every day.

[B]

What?

[A]

So wait, what day force allows you? It gives you your available pay every day. At the end of the workday, there's what? So I transfer it to my account every day. What?

[B]

Every day? Listen, I understand. In the case of an emergency, in every kind of debt, even a quick little 500 take can be utilized correctly. There is not a single kind of debt that you can't manipulate in your favor in some kind of way. The fact is, if you are taking it every single day, I know you are not a good position. There is no way what to get that daily fix. What the. Why? Well, you're on this show, you moron. Meaning we accepted some really bad finances, moron.

[A]

I mean, why is it bad to move the money to my checking account every day? Why is it bad?

[B]

People lose a job and just Forget your old 401k like it's a gym membership that you never use. It turns out 25% of 401ks are lost or forgotten. And that is not pocket change. It is your retirement. Ghosting you and rolling over a 401k. Good luck. You're calling old employers, hunting paperwork, maybe even faxing things like it's 1998. That is why today's sponsor Capitalize exists. There are free concierge platform that helps you find your old 401k open. Or connect an IRA of your choice and handle the entire rollover for you from start to finish. So if you've ever switched jobs and left a 401k behind, roll it over today. Seriously, your future self will thank you. Big thanks to Capitalize for sponsoring. Let's get back to the show because that means you likely don't know how to manage yourself in between normal paychecks, if you're having to take it every day, there's a reason why you feel like you are. Then why are you. Then why are you? Why do you like to. What's the feeling? What happens?

[A]

Why are you see the in my account and why? So I can pre plan for my bills.

[B]

Pre plan your bills? What are you talking about? You're on the show. You don't pay your bills. You don't know what you're talking about.

[A]

I do pay my bills.

[B]

How much. How much debt do you have? Not even knowing your income. What's your debt amount? Pre plan. What are you planning? Don't know your debt amount. What the are you planning? What are you talking about?

[A]

It's like, it's like, it's like 40,000. But I.

[B]

By the way, you make $4,000 more than you thought. Just going to let you know. On a month, on a yearly basis, how much debt do you have?

[A]

Around like 50, I think 50,000. That's loans.

[B]

Do you consider a mortgage debt?

[A]

No.

[B]

Okay, well, you should include the mortgage. How much debt do you have?

[A]

The mortgage is 173 remaining.

[B]

Why do you know that out of everything?

[A]

Because I look at it.

[B]

You look at your mortgage?

[A]

Well, I log in to pay my mortgage every month and it says it in big bold letter or numbers.

[B]

You have a mortgage, but you're not good enough for auto pay. Maybe you shouldn't have gotten a mortgage.

[A]

I hate auto pay.

[B]

Oh, I'm sure you do. And I'm sure we'll have some things.

[A]

I only do auto pay on accounts where I get a discount for being on autopay. Like the cell phone bill.

[B]

Guarantee. You have late fees guarantee. There's not a chance. So how much debt do you have, including the house? That is a debt, you dumb tit.

[A]

You're a tit.

[B]

I am a tit.

[A]

$173 plus about. Plus 50. What is that? 223 including the home?

[B]

Oddly close. 225. How the do you not know your salary? But you know real close to how much debt you have. How can your pre plan based on how much debt you have if you don't know your income and you thought you got paid an extra half paycheck on a monthly basis? Well, it's because you do your little pay advance. But you know you likely pay a fee for that. Most likely. Even if pennies, something will happen. I need to look at it.

[A]

Then I'll show it to you. I left the money in there from yesterday. I Didn't pull it out. Is it one of the statements in here?

[B]

Oh, there's no way. I don't believe for a single second.

[A]

It'S in the checking account.

[B]

It's in the checking account.

[A]

Well, it hits like, day force, day force. Day force, day force. Or I can show it to you.

[B]

Show it to me.

[A]

Okay. I left the money in there from last night so that I can show you. There's.

[B]

Oh, Colton wants to clarify that you're just looking good right now saying that entire number. But he knows from the phone calls he had with you onboarding, you didn't know a single set of what your debt was until you pulled for this show.

[A]

Yeah, 100%.

[B]

So you only know now, back and forth. I do.

[A]

With money, though. Like, I do keep an eye on what I owe. Like, I can give you a general idea of, like, what amount I have. Like, what my balance is.

[B]

Pause. Let me look.

[A]

I can walk you through it.

[B]

I don't think I need your help.

[A]

I don't know.

[B]

Okay, this is. At least get one of the pop things.

[A]

I don't like those, but at least.

[B]

I can put it. I can lay it flat.

[A]

If I want to open these or something, I can just, like, flip it over. You shut the up. You're very sassy today, Caleb. I don't appreciate it.

[B]

Sassy every day.

[A]

Great. Me, too.

[B]

At least I can hold down someone again.

[A]

We can get into it and you're gonna feel like a real asshole.

[B]

Maybe. But luckily I know nothing. So it's impossible for me to feel like an asshole if something bad happened. Well, that's not my fault.

[A]

Okay. You doing okay over there? You need some help?

[B]

No, I'm good. I'm looking at everything.

[A]

Okay.

[B]

One eternity later. Okay, so here's a bank transfer. You transfer out 250.70, and then once you're. So when does this 250.70 hit the account?

[A]

So that hits the account, like, one to three days.

[B]

Crazy. And there's a card on here as well.

[A]

I don't actually use it. I guess you can. You can add the money to your card. Yeah, you can add the money and then you can. You can also transfer it off the card to your checking account.

[B]

Crazy. I see you have not used the save feature.

[A]

The what feature?

[B]

Save feature, no save.

[A]

I have a savings account. I'm good with my money.

[B]

Use your paycheck up to two days faster.

[A]

I don't do that. I don't do the instant.

[B]

That's probably where the fee is.

[A]

I Don't do the instant transfers. I just transfer it and it for the no fee.

[B]

Okay. Yeah. I mean, they use it as a perk for their platform for the payroll service to be extra valuable as a service to be paid for by your.

[A]

Company with no fee.

[B]

No fee. Based on how you're doing it now, but you're doing. You have to wait three, four days. I don't understand.

[A]

I don't know why I do the daily transfer. I just. I like to see the money in my account. That's why I use it. I don't know.

[B]

What do you think if you were being paid every other week and only being paid every other week, you'd be being able to manage between.

[A]

I think so. I'm good with my money. I'm good with my credit card cards. Like, I. I think you wouldn't be in this kind of good credit card person that you've met.

[B]

I have everybody else across the board. Like, what the are we talking about? Like, listen, what do you mean? How can you even say that? How can you even say you're doing well?

[A]

Because I pay my credit card bills. I pay them on time.

[B]

Okay. You made about like $5,700 last month.

[A]

It could be just timing as to.

[B]

How I'm transferring it out. Okay.

[A]

I do.

[B]

Maybe it could.

[A]

Yeah.

[B]

What was your outflow? What Was your outflow?

[A]

Maybe 5,000. Six.

[B]

Okay. This is you good with finances. And Pre planning is 5,000. Saying 5,000.

[A]

I pay all my bills on my credit card.

[B]

You pay your bills on your credit cards. You use your credit cards to pay your bills.

[A]

Everything that doesn't have.

[B]

You don't pay enough towards them to actually take care of that balance. Of course, of course. That makes sense. That's why it became. Yeah. Your minimum's great. Wonderful. And let's see. Every time someone has said that that is not true, but we'll see. $10,940.42 was outflow. Outflow.

[A]

Okay.

[B]

Maybe everyone around you isn't the crazy one. And in fact, you are.

[A]

I don't think so.

[B]

Really?

[A]

No.

[B]

Did you not just hear that number?

[A]

I did hear it.

[B]

That's substantial. You brought in almost $6,000. But I spent 11.

[A]

Half. Like, I. I don't drain my checking account down to zero and then start taking the money. And like, as the month goes by, there's usually you're putting everything on credit.

[B]

Cards until they're all maxed out, and then you can't open another credit card because your credit is. And then you're I said until they are, you idiot. I said until they do.

[A]

They're not maxed out. They're not.

[B]

I said until you do continue down the path of only putting your bills on credit cards, only making the minimum payments. I don't know. Gosh, shut the up. We will go through everything, but I guarantee you spend more than you pay towards it. Guaranteed. Okay, Absolutely. You wouldn't be on the show if it wasn't the case. I mean, that's just a reality.

[A]

Okay?

[B]

If you were fine, you wouldn't be here. I mean, and you just thinking you're okay is gonna be a disservice to you for your entire life.

[A]

At the end of the day, I have things that I very much enjoy doing that are costly.

[B]

What?

[A]

And I have to travel. Things like that. I play cornhole. Where's the troll? I play cornhole competitively outside of work. It's great. Have you ever played cornhole?

[B]

Yes. I exist.

[A]

Right.

[B]

It's fun, competitive.

[A]

Yes.

[B]

And you were spending money on this?

[A]

Yes.

[B]

Meaning, is it like travel? If you're the one spending money on this and you're not getting paid for it, is it even. Can we consider this anything?

[A]

You get paid. If you're talking about you get paid if you place high enough in your bracket.

[B]

Sounds like you're not placing high enough in your bracket.

[A]

Well, you know, I'm playing against pros.

[B]

Okay, you just said you play competitively. It sounds like you would be the pro, except you're not. You're a failure. And you probably shouldn't be doing this because costing you money, you don't have the trips themselves. The trips, the corn trips are.

[A]

I would say they're more for, like, the camaraderie, the enjoying enjoyment of the game, the seeing, like.

[B]

Okay, you.

[A]

Okay, so can I explain?

[B]

No. Yes.

[A]

Okay.

[B]

I.

[A]

In general, I don't like.

[B]

You practice three hours every single night. Why don't you go get another job, asshole? You got to pay off that, dude. Do you have any kids?

[A]

No.

[B]

Because you were with someone. Okay, thank goodness. Okay, so.

[A]

Yes, thank goodness.

[B]

Okay. Aging, dying alone. Okay. That's fine.

[A]

I'm fine with it.

[B]

Right. Then you're right. It doesn't matter. No one has any dependence. So. Yeah, Your life. That's okay.

[A]

Exactly. Yolo.

[B]

You have any pets?

[A]

I do.

[B]

Ah, okay. You have some dependence.

[A]

I have three dogs.

[B]

Okay. They're adorable. Do you have pet insurance?

[A]

I do.

[B]

Okay, then. Okay, then. I. As long as you're feeding them well, you got pet insurance, you're taking care of them? Yeah. Your life. Who gives a.

[A]

Well, I mean, doesn't matter.

[B]

Eventually no one's depending on you.

[A]

Eventually. Cornhole can make me money, though. That's why. That's why I practice. Because I want to get better. And I want.

[B]

Okay, go.

[A]

What?

[B]

So three hours a night? Crazy. But go on. It's.

[A]

I enjoy it. It's fun.

[B]

No, you enjoy it. I enjoy things too. I wouldn't do things to the detriment of myself if I had to do other things that are responsible.

[A]

When you enjoy something, that's skill based. Yeah, Practice skill. Yes, skill based. If you were a musician, you would want to practice playing the guitar or the piano.

[B]

I'm not against that. I am saying you have bad debt. Maybe you need to work more, but you are spending all of your energy towards that when maybe you do not have the ability to. To do so right now because you need to make some personal choices.

[A]

Like to see my people.

[B]

Exactly. But you're not making enough to travel and pay off your debt at the same time. And yet you're spending all your time practicing cornholes. So you don't even make more money to pay for the travel.

[A]

Well, that's why I'm here. I want you.

[B]

I can't make you make more money, asshole.

[A]

No, but you can help me budget my money.

[B]

Sure, I can make a budget. I can't force you to budget. It's your behavior. And look where you've led. Look where you've come from. I don't care about the. That's why you're here. Look at where you came from. That's why you're here. I can make a budget. It doesn't impact anything afterwards if you don't change. Your. Your behavior is what put you here in the first place. And this first part of the conversation is figuring out what your life is, what your behavior is, what your takes are, and your takes are. You will not sacrifice not throwing a bag for three hours a day every single day of your life and traveling to throw more bags and holes.

[A]

It's fun.

[B]

I know it's fun.

[A]

I don't go on the vacation. I never argued that. It isn't on vacations.

[B]

Okay, Neither do I.

[A]

Okay. But I do want to.

[B]

Are we jerking each other off? What the Are we doing?

[A]

I do want to enjoy my time, though, and, like, see my people.

[B]

I'm not saying that is a bad thing. I'm saying temporary sacrifices for a better life is oftentimes good. And I'm not even saying you can't do cornhole. But three hours every single night when you have really bad debt is an interesting place to focus all of your energy instead of being a doll at almost 40.

[A]

He's not 40 yet.

[B]

That's why I said almost. Do you know words and how they work?

[A]

Yeah, I do. We don't have to say almost 40. You can just say like you're upper 30s.

[B]

Sure, but you look 50.

[A]

Well, that's rude.

[B]

So you do not need to be throwing these bags every single day when you're absolutely suffering. I'm not asking you to. I'm saying three hours every single day is an interesting place to put your energy when you're and not acting.

[A]

I don't think I'm though.

[B]

Everyone around you is correct and I want them to know that they were correct and she came on here for you to not be correct. But you are correct and. Okay, make the argument then lay the case. How are you enough correct? Do you need the whiteboard? You want to draw something? You want to tell your story? What the. How are you? How are they? How is everyone around you? The crazy people, not you.

[A]

I mean, I'm living my life. I'm enjoying what I do. I'm paying my bills, I'm making money. I'm not.

[B]

You're not paying your bills. Not.

[A]

I am paying my bills.

[B]

Not in the actual true, literal sense. You're putting them on credit cards. And I hear, well, I do pay.

[A]

For the cash back by category.

[B]

I do it the amount of interest you are earning. What the are you talking about? Shut the up. You're not a cash back person. You're not a cash back person. You don't know what you're doing. Doing. You go to a cornhole tournament literally every single weekend.

[A]

No, not every weekend. Colton is telling me I'm here this weekend. Right? There's a major in Knoxville.

[B]

No, it's Friday. Yeah, you could be flying to a tournament tomorrow. I don't know.

[A]

But the tournaments are Friday through Sunday.

[B]

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[A]

Bigger event to attend for the bigger events.

[B]

The average, your average weekend event.

[A]

The ones that I travel, travel to. So if I drive versus like, if I drive or fly, it's obviously going to be a little bit different, but it's between like 600 and 1000. Except for world championships, which is in August, which is a whole week. That's a whole week. So that's a little more expensive. I should know, but I don't. Over a thousand tournament entry fees, hotel. I drive there. It's always in South Carolina, so it's drivable.

[B]

And what are you hoping for?

[A]

And I share a hotel every time.

[B]

Who?

[A]

A friend.

[B]

Okay.

[A]

Of the male persuasion.

[B]

Uh huh.

[A]

Yeah, he plays. He's a pro this year.

[B]

You get nut in your hole while you throw bags in other holes. I mean. Yeah, that's the way to do it. Are you sure you're not only doing this to get your love?

[A]

No, because I started playing before I even met him.

[B]

No, I know, but now are you not just doing this so you can meet up with your law? I'm assuming long distance? Yeah. You guys meet at these locations?

[A]

Yeah, I mean he. So he's in.

[B]

Sounds like you have extra encouragement, I think. Well, I feel horrible for him. Why feel horrible for both of you? Knoxville, Illinois off.

[A]

Knoxville's great. I love Knoxville. I grew up in Orange County, California and I moved to Tennessee and I have no regrets. I absolutely love it. There's. I love it there. Your money goes way further. I could buy a house by myself.

[B]

There's more to life than just that. Listen, I'm not like defending California even, but at least Orange County I hear is halfway decent.

[A]

Yeah, I mean, I don't think that we necessarily belonged there. My parents moved Us there and they shouldn't have. I was. I was in. I was born in Arkansas. They took us to Southern California.

[B]

They didn't make the money. I don't care. I do not care. This contributes nothing to this conversation.

[A]

Fine.

[B]

I just. I'm sorry.

[A]

This is great for the record.

[B]

Huh? Okay, okay. But I'm just saying, are you not extra encouraged to blow all this money and spend all this time that honestly you don't really have instead of growing up to be an adult in order to get, you know, the fucking his bags in your goal?

[A]

That's not the reason I go. No, it's nice.

[B]

Encouraged.

[A]

It's nice to be able.

[B]

Do you get loaded?

[A]

Listen, it's nice to be able to share the cost of the hotel with another person. It reduces the cost. I have to pay for the travel and has come.

[B]

Okay, does that happen every single time?

[A]

I mean, we stay in the same hotel?

[B]

Exactly. Well, by the way, I mean I've stayed places with women and I've.

[A]

I have. No, I know. I have too. I've traveled with other people before and like. Yeah, I would just get two separate beds. We don't do that. We get one bed.

[B]

Is he hot?

[A]

I think he is.

[B]

Let me see.

[A]

You can.

[B]

Oh. What the. Oh, okay.

[A]

Let's add a cornhole event.

[B]

Oh yeah. He's wearing a literal porn stars shirt.

[A]

It's a jersey.

[B]

This is a whole thing.

[A]

It is.

[B]

He looks a lot younger than you.

[A]

He is.

[B]

How young is he?

[A]

He just turned 30.

[B]

Oh, okay.

[A]

Not so. Not like way younger, but younger. We don't need to talk about it.

[B]

You already did. Okay, so again, come on, let's be honest. You certainly have an extra incentive to go.

[A]

Sure.

[B]

Yes. How long have you guys been seeing each other?

[A]

It depends on what you mean. Depends on what you mean by seeing each other.

[B]

Taking his cock.

[A]

I'm so bad. It's either like. I think it's like two, three years.

[B]

Wait, how long have you been divorced?

[A]

We got divorced before I moved to Tennessee, so I think it was 25th.

[B]

Oh, okay. So you've been single for a long time?

[A]

Yeah. Yeah.

[B]

Okay, so you've been getting railed at these events for three years? Two years.

[A]

Yeah. It's a good time.

[B]

Yeah. No, I don't blame you. I don't blame you. Listen, as a fan of being a Railer.

[A]

Huh? No commitment, you know, that's the thing.

[B]

So is that what you're doing or we're just on the free flowing fun train? Cornhole tournaments.

[A]

Yeah.

[B]

Yeah. But you Know this means that you cannot sacrifice that because this is where you get your love, this is where you get your affection. This is where you get your social.

[A]

But I don't want to sacrifice that. I don't want to.

[B]

Like, what do you think a sacrifice is? It's something you don't want to do.

[A]

I have scaled down, though, from last season and the season before.

[B]

Define scale down. What does it look like? What does it look like?

[A]

So two or two seasons ago, I. Two or three seasons ago, I spent. And I invoiced it. We got a backstory if you want it. But it was $16,000 for the year that I spent in tournament entry fees, in travel, gas, hotel, airfare, if I had to fly that stuff. So. And I went to. I think it was 11 out of 16 of the big events. Like, I went to just about everything.

[B]

Well, no, 11 out of the 16.

[A]

A lot of them. But they were all the big ones where you had to. It was the more expensive ones rather than just the local tournaments that we.

[B]

Play, those five poverty ones.

[A]

Well, we've got local tournaments during, like in Knoxville area during the week, throughout the week, and then weekends have a.

[B]

It's a little bit bigger than Oxville. Is it a big cornhole?

[A]

No, I actually didn't start playing until I was already in Knoxville. Cornhole.

[B]

I hope I don't pick up those kind of hobbies and lifestyles in my 30s. Now that I'm well in it.

[A]

It was like a social league that did a bunch of different sports. They did like softball.

[B]

Okay, so you. And then you cut back. What's your cutback?

[A]

So we just had our fifth open of the season. And usually by that time.

[B]

When does the season start?

[A]

Because, oh, my God, it's October through August.

[B]

It's.

[A]

It's pretty much year round.

[B]

Oh, yeah. They make money. Yeah, they want to make money.

[A]

So October is the beginning of the season. The one that I just went to in Myrtle beach was number five. Normally I've gone to at least three already.

[B]

And how much have you spent?

[A]

I think for that it was four days. It was probably around 700. Oh, my gosh. For the whole four days?

[B]

Okay, listen. No way. You didn't spend more money than that because food and whatnot. Or did the man.

[A]

We. We split it. We split the hotel. Yeah. We're not. We're not in a relationship.

[B]

Pleasure.

[A]

We're not in a relationship. So we.

[B]

Yeah, but it's railing.

[A]

We split the hotel. He'll pay for dinner, I'll pay for Dinner. You know, we make it fair.

[B]

So how much are you actually expecting that you can make from this? If this is our commitment and time? Cornhole champion of heroes.

[A]

It's more. The big events are more for the social aspect of it. Like there is the ability to win quite a bit of money if you are the.

[B]

Quite a bit of money.

[A]

Tens of thousands of dollars. That's if you win your bracket or win the face off.

[B]

And how close have you ever gotten?

[A]

Not that close.

[B]

Uh huh.

[A]

Right. But that's what I'm saying is like it's. The big events are more. At least from my level where I'm at right now are more of like the social aspect of it where I see all my friends from around the country sometimes like the other. Sometimes Canada, I think they come down every now and then and I would never get to see those people. But we all go to these events across the country and we get to.

[B]

In. In episode behind the scenes production note here. Wes or Colton or Brandon, can you please tell us, tell Mark to go get a cornhole set from Walmart real quick? He should be back by the time we're done so we can go to the. We can do.

[A]

He tried.

[B]

But I can get Mark to do anything. Make him go in the rain. His little Mexican ass is gonna melt. Okay, we're gonna get some cornhole.

[A]

Okay. I brought a set of bags with me just in case I have one. That's a real cornhole bag.

[B]

How. I don't know what a fake one is, but.

[A]

Well, they're like the literal corn in a bag. Like if you get a set off Amazon or something, it's usually like kind of hanky boards.

[B]

Okay. Cornhole elitist. All right. Power.

[A]

Power Dragon. That's the type of bag it is. No, that's the like the line of the bag. There's different. There's different fabrics, different speeds. Welcome to America.

[B]

Something for everyone to spend all their money on.

[A]

It's fun.

[B]

Okay, so what, so you got divorced and you immediately fleed California. That was the. That was the play.

[A]

It was like half the reason. Maybe like half five years.

[B]

Okay, what happened? Let's see if I feel bad.

[A]

Ended up being a lot of 1. Financial abuse on his part and domestic.

[B]

Oh, I feel bad.

[A]

Yeah.

[B]

Okay, so you say you're a credit card person. Why do I have all these balances in front of me that are not going anywhere? You don't know your income. You, I guess, actually kind of know your debt situation. Like what the. What do you mean you're a credit card person. How can you say that? Make your argument lay it out. If everyone around you is telling you lay out your argument.

[A]

Okay, so I. I know you've already yelled at me about I'm not a cash back person, but I have not a cash back.

[B]

It's not about being a cash back person. It's. You are getting interest.

[A]

I use my credit cards strategically based on the category of the purchase. So like all my travel stuff goes on one card. All of my dining stuff goes on one card. Because. And they're all set up for 3% cash back by category.

[B]

Doesn't matter if it's losing interest. So when everyone around you is telling you, what are they saying? What is everyone around you saying?

[A]

Mostly that I waste my money on bullshit, which is like a stupid hobby.

[B]

But you disagree.

[A]

I disagree because I don't think it's just the cornhole.

[B]

It can't just be cornhole. That can be your entire life.

[A]

A lot of it is cornhole. It's the traveling. It's investments I've made into my passion, if you will.

[B]

Okay, how much have you spent into your passion? Dude, Miscellaneous bullshit was $2,000 itself.

[A]

I definitely overspend. For sure you have some bullshit.

[B]

So everyone around you is right.

[A]

Well, it's like the online shopping for me. Like as an example.

[B]

Online shopping online.

[A]

I don't like to go shopping in stores. Like, I just. I'd much rather just buy.

[B]

You might see a minority get terrified. What then? What the going on?

[A]

Not at all.

[B]

Go outside. Scary.

[A]

No, I just, you know, it's just easier. But the problem is if there's like an option involved in what I'm buying, like a color option, and I can't pick, I just buy both.

[B]

What the. You do make good income. You should not be struggling.

[A]

Yeah, like I said, I have an overspending issue. And then my hobby is on the expensive side for sure. The spending. I don't consider cornhole spending, but I do have both.

[B]

It's something that isn't actually like. It's. It's. It's a hobby. Hobbies are still spending. You can't say it's not. It's spending, okay? It is not necessary to you being alive as a human or improving your financial situation. Spending doesn't necessarily mean bad. I give a spending category of 30 literal percent of your income once you're out of debt and have a fully funded emergency fund.

[A]

I just don't consider it bullshit spending.

[B]

With what I just described, how can you not. How does that okay, how does, how does cornhole, $45,000, whatever the go, go towards paying off your debt?

[A]

It doesn't.

[B]

Okay, how does it go towards you being alive, you staying alive, keeping a.

[A]

Roof over your head, happiness?

[B]

No, that's not staying alive. Unless you're contemplating suicide then shut the up. So how does it actually, I don't.

[A]

Want to be a miserable human being.

[B]

Is it a life necessity? No. Then it is. That doesn't mean it is bad necessarily. But it's all contextual. It's contextual given a financial situation. Your financial situation is you spend $11,000 when you bring in six. Your financial situation is you have. What was it again? 100, no, $225,000 of debt, including the mortgage. 173,000 of it is a mortgage.

[A]

Right.

[B]

So $50,000 essentially a debt outside of your mortgage. That's insane.

[A]

Yeah, it's not ideal. I rent.

[B]

Okay, so that's why I'm saying it's bullshit spending. It doesn't pay that down. It doesn't do anything to keep over a roof over your head. Doesn't mean it's bad. I don't tell people they can't go out to eat once they have a fully funded emergency fund and they're out of debt.

[A]

I don't, I mean I don't spend a bunch of money going out to eat. I just happen to funnel all the money, all my quote, bullshit spending into one of my Life.

[B]

We spent 2,000 hours last month. Is that what you're telling me on Cornhole? Cuz I had 2000 then. I had 2000. I had 2000 hours of miscellaneous. So if it's not all cornhole, you have a lot more outside of cornhole then. Yeah, I mean, so what the are you talking about? Dude, it's not just cornhole then?

[A]

Not all.

[B]

Most you're eating out was small. But your miscellaneous, your spending on was still substantial. It was literally of your income, 33%. 33% went to miscellaneous bullshit alone.

[A]

Just what's considered miscellaneous?

[B]

We go through the purchases later, you've seen the show. But that is the category. That is the category. There's other large purchases, it's hard to tell if they're bullshit or not. But there are other large purchases of which we'll go through the purchases individually. $4,684. Combine those two together, that's your entire paycheck. Actually more. Okay, just miscellaneous bullshit and other or in other large purchases. And that's only about 65% of your spending last month.

[A]

It's not great.

[B]

So what the are you doing? How can you tell me they're wrong and you're right? How can you tell me no, it's not bullshit. Your spending was egregious. Your debt is horrendous, and you have no idea where any of it's going, including how much is even coming in, because you literally pay advance every single day of your life. Do they know that? Do they know that?

[A]

I mean, you. Can I get a little.

[B]

Do they knew that? Probably your friends know that.

[A]

Oh, I don't know.

[B]

So they're telling you you're financially. And they don't even know that. So you're probably on top of what they even think.

[A]

But I'm not getting fees for doing that. Like, I'm not putting myself in a worse position. But I don't feel by.

[B]

But you're budgeting by the day. Not by the month is the thing. And when we're budging by the day and not by the month, with a proven method of actually budgeting, you're never going to make any progress. You're. You're spending more than you make. You are in 50,000 hours of bad debt outside of your mortgage. It is not working. So everything adds up to. It is not working. So your daily pay advances are not working. It's not benefiting you. You're only going in a negative direction. Spending more than you make. So you can't tell me it's not. Regardless if there's fees. It's not about just if there's a fee or not. Is your life working? Your financial life, is it working? No. And everyone around you is telling you that for a reason. Cause it's not.

[A]

I mean, that's why I know that you can give me some tips and things like that and things that I can change.

[B]

Okay. Spend less than you make.

[A]

Yeah.

[B]

Cornhole isn't necessary to keeping a roof over your head. There you go.

[A]

Okay, so I did start trying to. I know everyone is changing.

[B]

Maybe try to settle down instead of taking random dick on various weekends.

[A]

Well, it is the same person. It's not like it's random people every time.

[B]

At least consistently. You don't sleep at least anyone else. So you only sleep with someone once every few months?

[A]

I mean, it depends. Like right now I'm going to less events, so.

[B]

Yeah. Is that not depressing? You have human needs.

[A]

It's not depressing to me.

[B]

What do you do all day then? When not you're remote. No. 40 hours a week, probably. I doubt you put in more. Right.

[A]

I do probably like 50, 55.

[B]

Why?

[A]

I'm kind of like a one of one in my role. So. And there are multiple teams. Well, yeah, there's multiple teams that depend on what I do in my role. And they're on the west coast, so I'm, I'm off the. I'm off the computer like 5pm Eastern time. But they're still, they still have three or four more hours left to their day, so. Except what?

[B]

Because I know you must have been in person while in California before you left, Right?

[A]

Yeah.

[B]

How long are they going to accept a remote worker that's not on the same timeline as everyone else?

[A]

I mean, I was out here. I've switched jobs since I moved to Tennessee. I was hired as remote. Yeah. So I'm fully remote.

[B]

And they actually Covid remote though.

[A]

No, my. When I, when I was in California, the job I was working before I moved, it was. We all got sent home to work from home for Covid.

[B]

Okay.

[A]

And I moved to work.

[B]

So what do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best.

[A]

I think like a seven.

[B]

If you want your financial score, take the [e-mail] it is free. See where you stand in the world of money. See where you're doing poorly, what you need to do to improve and where you're already doing great just takes a few minutes. Again, it is free. And if you don't want to be like a guest who ends up on financial auto, make sure you download the dollar wise budgeting app. 5.0 is 5.0 is out and it is incredible. The best budgeting app out there. It's not complicated for people to even get through the onboarding screen like on ynab and like people fall off immediately. Doesn't force you to use a financial system that they dictated like Ramsey's. It doesn't try to sell you a mortgage like Rocket Money. And it's not private equity. Just trying to collect your data like they have with Monarch where it's just raising like a billion dollars of private equity. This is a budgeting app made by the people just like you for the people just like you. No external funds raised. It is incredible. It is the top of the market. Now take the free trial, see if you like it. Dollar wise app. And only through the end of March. If you do like it, sign up for the annual version. Most people do because it saves 50%. And you get my budget friendly cookbook signed by me mailed directly to you. Sofi what is going on? Is this student?

[A]

No.

[B]

Personal.

[A]

Personal.

[B]

Personal loan. Okay, so what's going on with the SOFI personal loan?

[A]

Okay, so the SOFI loan I took out, it was $20,000 loan that I anticipated covering the entire cost of a barn. 800 square foot barn in my backyard to practice and Play. Cornhole.

[B]

What? $20,000 for a cornhole practicing place?

[A]

It was more than that.

[B]

How much was it for your cornhole practicing range?

[A]

I think it ended up being like over 60k.

[B]

What the is wrong with you?

[A]

It was a lot. So I started.

[B]

Do you have anything else going on in your life?

[A]

It was over a period.

[B]

Do you have anything else going on in your life?

[A]

No.

[B]

What the. This is insane. What? Gamers don't spend that much now. What other hobbies are there? Well, it was enthusiast maybe, but not over like that quick.

[A]

It wasn't supposed to be that expensive. It was obviously material.

[B]

Show me. You better have a picture. We'll put it on screen.

[A]

I have an album for it for you.

[B]

Album? That's a curated album for her special little cornhole range.

[A]

Whatever.

[B]

Has Mr. Illinois Penis been there?

[A]

Yeah, I mean, he's been there once.

[B]

Seen it. Oh, and what did he think?

[A]

I mean, I don't know. We just threw in there for a little bit before we left for a.

[B]

Trip, but he wasn't impressed. If I was a cornhole addict, I'd be impressed with the 20,000 hour cornhole range in someone's backyard.

[A]

What do you want to see? Do you want to scroll through all the pictures?

[B]

The cornhole range? Well, unless it. My fear of your cornhole folder is all of a sudden it's your hole being plugged in bed. Just in between a lot of photos.

[A]

It's just the construction pict.

[B]

No, just show me what it looks like now. That construction. The end result. Finding it. The result of the end. What did all of our money lead to? Cause you just spent a thousand trillion dollars. Oh, Colton's telling me it's not even done. What is it gonna cost to get done?

[A]

It's not done because I need it.

[B]

What do you have to do for a cornhole range?

[A]

I needed to stop spending so much money.

[B]

Is it not a cornhole board? Another cornhole board.

[A]

This isn't even.

[B]

And that's it. What all do you need? I up. What happened? Well, my first attempt at building a budgeting app didn't go over very well, so I'll rewind. After hundreds of financial audit guests, one pattern stood out. People weren't failing because they try. They were being handed crappy tools that weren't built for real life. So I tried to see if I could fix it. In January last year, 2025, I launched an app driven by the belief that budgeting shouldn't feel complicated or intimidating. I had good intentions, but the first app was a complete dumpster fire. I was trusting the wrong developer. And that partner cost us thousands and left my customers with the buggy app that only kind of worked. And that failure forced me to ask a question that I couldn't avoid. Do I walk away or do I try again? Ultimately, I chose to double down and commit to building a new app the right way, myself and an incredible team. Every dollar that I made from YouTube went straight back into the product. No investors, no shortcuts. Just the belief that I could change lives with a better approach. So we rebuilt the app again and again. 38 different versions in total. I obsessed over every single detail that most people wouldn't ever notice. And that's because if this app was going to go live and to work for real people with real lives. So everyone who stuck with me and my team shared their feedback and believed in what we're doing. Thank you. You helped shape what this has become. This is my vision for the future of budgeting. And I'm just getting started. Dollar Wise 6.0 is finally launching on February 17th. Rewrite your money story. Learn [e-mail] we're so fucking back. 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. What all. What the are you swiping through?

[A]

How are you trying to find the done picture? You said you only wanted to see the finished one and not.

[B]

Well, why would I want to see the construction?

[A]

Well, right. I'm almost there.

[B]

Well, right.

[A]

It's like right. It's coming up.

[B]

How much is it going to cost to finish? What do you need to do?

[A]

I just have to do the floor.

[B]

It's inside.

[A]

Yeah.

[B]

You built a whole building for it. Oh my Gosh, you felt like a.

[A]

Event center for this thing, but so as I was building it, I was also like. I made.

[B]

This is insane. You built a whole house just to throw cornhole.

[A]

It's so fun.

[B]

Oh, it's not even cute.

[A]

Okay, well, I mean.

[B]

Well, it's not. Cause you haven't done. No, come on. That's not even a room. That's objective. You haven't done anything to it.

[A]

I haven't finished it.

[B]

This is a gray room.

[A]

It's the drywall.

[B]

You can't say it's cute exactly. So don't be insulting.

[A]

I didn't say it was cute. You said it's not cute.

[B]

Yeah, but I said it's not cute, and you were, like, offended by it. I saw on your face place like, that's. I mean, that's objective. It's not.

[A]

It's not done.

[B]

Well, once it's done, it might be cute, but it's not cute now. And you're offended by that? It's drywall. Your face was offended.

[A]

No, it wasn't.

[B]

I saw your face to do the floor.

[A]

I saw your camera and then paint. And then.

[B]

What floor are you putting in there?

[A]

So I want to.

[B]

Do you have to pay for flooring? You spent 20, 000. And this is.

[A]

No, it was more than happens.

[B]

When you are a single woman in your 40s. This is where your life. This is where your life leaves 50s. This is where your life leads. Oh, listen, you don't have to tread it up and pop out babies. I'm not saying that. But there is a certain biological thing that I think humans crave because it ends up in this. With this.

[A]

It's awesome.

[B]

It ends up with this.

[A]

Well, okay, so to be fair.

[B]

Fair.

[A]

While I was building this one, I did not expect it to be. What the did you say to me later? With construction projects, you're supposed to, like, prepare. You're supposed to, like, double the. But double it for your budget. Whatever you expect.

[B]

Your budget was 10.

[A]

No, my budget was what? My budget was like. My budget was like, 25. And then. But there's. But they. I guess people.

[B]

First of all, 25 is insane. What the wrong with you? 25 for a cornhole well off. Okay, listen, this is what happens.

[A]

I have. I have a. Listen, I have a slope in my backyard, so I had to cut down all that dirt.

[B]

You were moving earth for cornhole?

[A]

Yep.

[B]

Single woman in her 40s. It just keeps leading back to that.

[A]

I love it. I feel like you would like it if you played no, it's not that.

[B]

It's like, it's just like this is your life. This is everything. There's nothing else.

[A]

There's a community involved. It's not just like I go to throw bags in a hall.

[B]

Yeah, but you travel to them to like Myrtle Beach. Yeah. They're not all coming to your hole that you spent 25,000 on.

[A]

No, it's just for like me and friends to practice in. There's a whole community.

[B]

Okay, what have you spent so far if your budget was 25?

[A]

So I got a lot of the. A lot of the contractors that helped in different stages of the project.

[B]

This is insane.

[A]

They actually ended up being sponsors for the season. So they took thousands of dollars off of their costs.

[B]

How much does it cost you, woman?

[A]

It costs me probably upwards of like 45, 50. Because the like everything was. I know, I'm sorry. Don't yell at me.

[B]

$50,000 so far for this.

[A]

There's a quiet.

[B]

Okay, that's. That's historic. I've never heard anything like that on this show.

[A]

It's not that bad.

[B]

No, no, no, no, no, no, no. That is historic. A historic what the. Okay, so you have a mini split in there.

[A]

It has its own meter.

[B]

Has its own meter.

[A]

It has a roll up door. I was trying to.

[B]

A roll up door. Why do you want a roll up do. Listen, if it's going to be a nice spot?

[A]

Because, listen, I made some decisions in the building process that If I wanted 150,000, if I wanted to ever at any point sell my house, that it would think of it this way. If somebody looks at this building being in the backyard of.

[B]

That's a cat lady in her 50s. Yeah.

[A]

Somebody who would purchase my house in the future if I decided to sell. That's a garage that they can work in and put. That has its own meter. Has its own everything. Like.

[B]

Sure. Except it's quite narrow because you're thinking cornhole.

[A]

Well, it's 20 by 40. 20 by 40. 800 square feet.

[B]

Okay. But you have spent $50,000 on this home addition of which will not equate for $50,000 more in the market, to be clear. And it's all for corn.

[A]

But it's up to code 60s. I mean everything's up to you.

[B]

We're single in our 60s. Building cornhole.

[A]

I'm not in my 60s. I'm in my 30s.

[B]

Allegedly.

[A]

Allegedly.

[B]

You have to lay it on floor. Flooring's gonna be. If you even do cheap.

[A]

I was gonna do the flake flooring huh? The flake flooring.

[B]

What?

[A]

I think that's what it's called.

[B]

Epoxy.

[A]

Yeah, they do the flake.

[B]

So this is gonna be a full on garage. You're not even making this a cool little place if you're spending this much money on it. Or at least laid down vinyl. Vinyl's not even that great.

[A]

Well, no, because again preserving resale value. Having the roll up door is good if somebody buy the house.

[B]

Yeah, but why I would say vinyl so you can enjoy it. It's relatively cheap to put down a couple thousand bucks probably for this space. And you can easily rip up vinyl and then epoxy.

[A]

Well yeah, but the epoxy is only like. I think I got several quotes.

[B]

It is, but you're shittifying this area now if it was strictly.

[A]

If it was garage flooring though.

[B]

Yes. If you were using it as a garage. Listen, but you're planning on staying here.

[A]

But. Right?

[B]

No, no. I can't believe I am on the other side of this argument because I'm actually advocating for you to spend more money in it. It's stupid. I need to slap myself. But the thing is you are building this to be a cool woman cave for a cornhole. You can epoxy when reselling. You're not using this as a garage. Make it the nice woman cave for now and just put in some. Listen cuz, vinyl is still the cheap option. It's going to be a couple thousand bucks for this probably this room.

[A]

So for the vinyl?

[B]

Yeah.

[A]

Then why wouldn't I just do the flooring that I want to do?

[B]

What do you want to do?

[A]

The flake flooring?

[B]

You actually. No, because I'm trying to make this area cool. No, it's not a garage.

[A]

You can pick your colors and stuff. You can.

[B]

No, this is not a garage.

[A]

Right, but I'm gonna decorate it so I have. So I have a board. So I.

[B]

How much more are you spending on this? Reasonably double.

[A]

No, double it.

[B]

It won't double what you're gonna say.

[A]

Okay, 5,000.

[B]

Okay. So 10 maybe.

[A]

Oh no, I was including the doubling.

[B]

So 55,000 total on. This is insane. That's insane.

[A]

But it's gonna look super cool.

[B]

You could have done so many things.

[A]

I paused on decorating and doing the floor because I didn't have to finish those things. The other things I had to finish.

[B]

I paused on this entire experiment.

[A]

Okay. But I didn't. So here we are. I didn't pause because I had the.

[B]

Oh, you're getting custom cornhole boards that are $75 each and you need at least 20.

[A]

The tops. So I have a board sponsor who's local to me, and he does like all the board sponsors. He makes all the boards. It's. I was gonna.

[B]

Maybe you should have picked up Heroin. It's a cheaper album.

[A]

I was gonna bring you guys your own with your logo, but I thought I'd get yelled at.

[B]

But then you didn't, so.

[A]

Well, I didn't because I thought you'd yell at me for giving.

[B]

Well, believe it or not, on the show, I yell at you regardless.

[A]

That's fair. Maybe I should have. Maybe it would have softened his. Whatever this is the sass.

[B]

No.

[A]

Maybe. But no, I want to have, like, different people, friends, other people who play or sponsors.

[B]

You are in your 90s and you've spent.

[A]

Not in my 90s.

[B]

You're spending $55,000.

[A]

But I'm gonna get the board tops, like designed by different printed.

[B]

And then that's going to be the.

[A]

Decorations for the building.

[B]

Worst spending I've ever seen on the show. Dumbest thing I've ever seen.

[A]

Not the worst. There's no way.

[B]

Dumbest. There's no dumbest. Why $55,000 on something that is not providing that.

[A]

Equity positions.

[B]

Caleb, that's not. That's. That's just not the word.

[A]

Okay, but think about people who own because they love horses. Very expensive horses can actually have a.

[B]

Better return on investment because if they're good, then they have good nuts. They have good reading. Exactly right.

[A]

But people who use them just for, like, their own enjoyment and entertainment, then it's not.

[B]

Investing is. You're not getting an expected return on investment.

[A]

Right. I guess.

[B]

Yeah. It's a fun. It's passion. But you just blew $55,000 plus all the traveling you've done. You've likely spent over $100,000 on cornhole. Yes. In the past decade. $100,000. And now you have nothing to show for it. You have a room that probably adds an extra $10,000 in equity if you're lucky because it's just going to be a garage at the end of the day. For anyone else that they don't care about all the extra you're putting into it. And I don't know. I don't know. Colton's telling me it almost ruined your career. Well, in the post show, if. If Mark brings the board. I mean, told this almost ruined your career at one point.

[A]

Ruined my career.

[B]

Oh.

[A]

Oh, yeah. Have you ever heard of the yips like in sports Never. The most well known is, like, baseball players, like, they're in the major leagues, whatever, and all of a sudden now they're throwing the ball straight into the ground. You've probably heard of it before. Like, if you. I can't think of the person's name, but it's like this.

[B]

Well, I wish it happened. So you didn't spend all your money on this?

[A]

Well, I mean, it did. That's why I'm not playing as much right now. I got the yips last season. It sucked. And so, like, my body, something I've done a million times. The mechanics, like, you've done the same thing a million times. You know how to do it. Muscle memory. All of a sudden, like, there's, like, a disconnect between your brain and your body. And I wouldn't let go, and it would, like, go straight up in the air.

[B]

So what are you doing now?

[A]

Well, you're gonna hate this. I got a mental performance coach last year, but he was a sponsor, so that's.

[B]

Everyone's a sponsor. Well, I think you need an actual sponsor.

[A]

No, no. I rarely even drink. I only drink when I play cornhole at big events. And that's just because I have anxiety from this.

[B]

This house that you spent a shit ton of money on this extra, like, bonus house. You literally have a $13,319.91 personal loan on it with SoFi at a 15 interest rate with a disgusting minimum monthly payment of $385.64. It's one thing. It is one thing to spend $55,000 on this. It is a completely other thing to have over 10,000 hours and horrendous personal high interest loan debt for it.

[A]

What's considered high? Just for my own understanding, like, what's considered high interest?

[B]

Well, I mean, anything over four is not great, except for potential mortgage. Anything over eight is certainly getting high. And you're at 15. That's high.

[A]

Yeah, for something.

[B]

That is ridiculous. Ridiculous. This is the dumbest thing I've ever seen. A 15% loan for a cornhole house. You. What is this?

[A]

It's a good time.

[B]

What?

[A]

It's a good time.

[B]

I'm not saying it's not. I never argued that. I don't understand that argument. I've never suggested otherwise. Okay, Well, this is 100 bucks. It looks like you pay this off every month, so I'm not writing this down. Sunlight Financial.

[A]

So that one's an 1199%. I think that was four. So that was an additional cost I did.

[B]

Below It. What's the balance? Oh, this is. No, this is your amount, dude. What's the actual balance? Oh, so this actually is something. What is this?

[A]

It was for my hoa. I live in an hoa. I know.

[B]

What.

[A]

And they said I had to have the barn look exactly like the house.

[B]

Now we have a vinyl siding. Extra vinyl for our cornhole. You have a second one on your cornhole hut. Your cornhole hut.

[A]

Barn.

[B]

Did he. You in the hut? No. So it's not even worth it. It's not even worth it. It's not even worth it. It's not even worth it. You moron.

[A]

You idiot. It was an unforeseen cost. Additional cost of how much? 6,000 and some change. Yeah, there's the gutters and the vinyl siding.

[B]

Shut the. Up you. Listen. I don't even care. Again. Do whatever you want as a single person, but you would have been better off marrying with kids. This is insane. I disagree.

[A]

I'm too selfish for that.

[B]

No, no, no, no, no, no. This is insane. This is insane. The what you have dedicated your life to and the amount of resources you have put behind it is beyond insane. Beyond insane. And now you're getting the yips. So you can't even do it. You can't even do it. Building a $50,000.

[A]

It's getting better. The IPS is getting better.

[B]

Well, that's a shame.

[A]

I went to my.

[B]

So it would encourage you to stop.

[A]

I went to my first event in Myrtle beach over New Year's Eve weekend. And it was fun. I did.

[B]

Good details. It's at a 12.

[A]

I told you that.

[B]

15:1 and then a 12. 1. Your life is broken. You are a broken individual. $6,157.64. What is wrong with you? At a 12% interest rate with a minimum monthly payment of $104, currently on this house alone, you owe $20,000 for the shed. This shed where we need to lock you up and never let you go outside again because you'll make a mistake and build a second one. Your cornhole palace of barn off palace.

[A]

Well, okay. So here's my thought, though.

[B]

Quiet now.

[A]

Well, hold on.

[B]

Do I even want to hear your thought? Your thought has led to spending probably $150,000 on cornhole in the last decade. Shut the Fuck up.

[A]

The 401 though, is. Is meaty. I could take that out. Some of it out, at least.

[B]

So this is where the single woman's brain lands. Once they're in their hundreds, you're saying I could Once they're in their hundreds, they. They throw away everything they have saved and invested for their future that no longer matters because they have nothing to add to society anymore. So they just. This sounds very red pilled right now. I'm mostly exaggerating for it for you to feel shame, okay, because you deserve it because the Cornhole palace is insane. But either way it's just like, okay, okay, okay, okay, let's take away, let's take away the, the stupid red pill and for shame's sake, okay, you actually saved up for a future, but you actually don't have like what. What is your future? What do you have? It's not because you're single. Well, none of the single part. It's not because of kids or anything. I don't really give a about that. But yeah, if you're not gonna be with it, like what. What do you have to look forward to? So now you're like, let's build cornhole palace for 50,000, $55,000 at a thousand percent interest and let's wipe away all our investments towards it because we actually have nothing to live for, right? I mean, is there not logic there for.

[A]

Well, I mean if that's the case and I have nothing to live for, why not just cash out the whole 401k?

[B]

Well, exactly, that's what I'm saying.

[A]

Where the logic might be all the debt, then I could supplement all my checks.

[B]

Why not have something to live for so you can at least manage the. You keeping your investments and whatnot.

[A]

Well, I'm trying to, but you're right.

[B]

There like no point. There is a point. I need you to be able to survive in your retirement. But it's like, I understand why you get like have a dark cloud of gloom, like who cares about the retirement at this point, right?

[A]

Well, I mean, it's pretty meaty. There's a lot in there.

[B]

No, for your income and age, you're behind schedule.

[A]

What should I have?

[B]

You should have. Well, you're 40. You should have.

[A]

I'm not 40. I'm 38.

[B]

In two years you should have about probably $230,000.

[A]

Okay.

[B]

Of 165. 6. 165.

[A]

I think it's 173 now.

[B]

Okay. Market did some moves. Still behind. And maybe you'll get. If the market does really well these next two years, maybe you'll do it. But if it corrects, you'll be. So we are behind. But the fact is like this is actually a really good start. You'd still be like an 8 out of 10 score on the retirement. But the thing is, you're willing to throw it all away. I mean, maybe it kind of makes sense. I mean, you know, it's for the palace.

[A]

It's for the palace of cornhole exploring options. I know that there are 400, 100.

[B]

You already work, you make money. Stop being a. Throw it towards the debt.

[A]

I don't know enough about 401k loans to know if that's a good idea or not. I'm just saying.

[B]

Well, your money wouldn't be growing in the market that you used to borrow. All the money you'd get is paying back to yourself. Not very good. And if you lose your job or quit your job, become disabled and lose your job for whatever reason. Could be a million reasons to lose a job. It is due like in 30 to 60 days.

[A]

If you lose your job, whatever you take out.

[B]

Yes.

[A]

See that? I didn't know. I thought something like that was the case.

[B]

Well, I thought you were just gonna pull it. Not even take a loan. I thought you were gonna pull it, you were gonna take out.

[A]

What's the difference between the two?

[B]

Okay, well, a loan is a loan, right?

[A]

But you pay yourself back, right?

[B]

Yeah.

[A]

And then you take it. If you cash it out.

[B]

That's it. Cash it out. You have to pay early redistribution penalties. Early distribution penalties.

[A]

It's 10%, but apparently I'm 90, so that's okay. Right?

[B]

So it's OK. Plus in your. Whatever your income rate is, which is a juicy income rate, you have to pay that percentage tax on the gains.

[A]

Okay?

[B]

So you're. Did you make money pay off your palace? You're stupid. You're dumb ass. Cornhole palace.

[A]

Barn.

[B]

Barn. It is not a barn. I saw it. That is not a barn. You don't know what things are. It's not a barn. Everyone knows what a barn is. That's not a barn. You don't know what a barn is. You've never seen a barn in your life. You barn.

[A]

You call it a palace? Is that what you call it?

[B]

That's what Colton calls it. And I agree.

[A]

Cornhole palace.

[B]

Okay, this is new balance. Total of new. What the is this? Let's say you pay off your cards every month. No, you don't. This has $12,250. Bank of America.

[A]

That's the direct deposit advance.

[B]

Wait, what?

[A]

So that card was my travel card. And that 12,000. I think it was like 13,000. I forgot what it was. It was a direct deposit advance.

[B]

You Lose a job and just Forget your old 401k like it's a gym membership that you never use. It turns out 25% of 401ks are lost or forgotten. And that is not pocket change. It is your retirement. Ghosting you and rolling over a 401k. Good luck. You're calling old employers, hunting paperwork, maybe even faxing things like it's 1998. That is why today's sponsor Capitalize exists. They're a free concierge platform that helps you find your old 401k open or connect an IRA of your choice and handle the entire rollover for your you from start to finish. So if you've ever switched jobs and left a 401k behind, roll it over today. Seriously, your future self will thank you. Big thanks to Capitalize for sponsoring let's get back to the show. We heard you. Nine years of bring back the snack wrap and you've won. But maybe you should have asked for more. Say hello to the hot honey snack wrap. Now you've really won. Go to McDonald's and get it while you can. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving and honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is ginger sauce. Literally. The cherry curry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 off your order at gamersupps gg or click that link in the description below. Type in code Caleb. You advance your own direct deposits on a credit card. You cash advanced in the end you cash advance and you face the 520 fee for it. By the way, cash advance that's in it.

[A]

Well, so the reason hey, you know.

[B]

This takes about 30 years to pay off an oathy payment only. And basically what you put towards it, it's a few bucks more, not much more.

[A]

And maybe it wasn't the best reason.

[B]

It's not. I guarantee it.

[A]

There was fraud on my checking account and it took it well and it took it under the balance.

[B]

Yeah, but you don't have to take out 13,000.

[A]

I know, that's. That's the problem part. So when I was on the phone with bank of America, they were opening a new checking account for me, obviously closing the other one and then they're like, oh yeah, here. Like you've been with us for 20 something years. Like you've got this great offer. This could. I know.

[B]

Well, you just made them an instant $550 plus whatever interest once you. This interest free period ends.

[A]

I paid off my cat. Like a balance transfer in seven months.

[B]

Seven months. This is going to be accruing at like 30%.

[A]

I paid off a balance transfer with Discover.

[B]

What are we doing? You just push, push, push. You don't make any progress.

[A]

Okay. So the reason why I took out. I remember now the reason why I took out more than what I needed just to like float me till I got my refund back on the fraud was I had a. I had. I was going to pay down the balances on the. The other. One of the other bank of America cards. Okay.

[B]

Which is also moronic. Just. Just showing how moronic it would be to pull off from your 401k now. Cause you don't change behavior. But. Go on.

[A]

But I realized that you can't pay bank of America with bank of America funds, so I couldn't.

[B]

So where'd the money go then? Cause the money is gone. You didn't put it towards it?

[A]

I paid off a balance transfer I had with Discover and then I Actually, they said that. So they said that you can't pay bank of America with bank of America funds.

[B]

It's.

[A]

We already count that for us. I know, but. So I used to pay like 3 or $4,000 a month on my card.

[B]

The.

[A]

The other card that I do pay my bills on. So I would pay it down. Like I'd pay off the statement every month when I was in a better financial position.

[B]

Why would you not be? You're making great income and it's only going up.

[A]

It's the barn. I'm telling you, not budget appropriately for this barn. I didn't know it was gonna be as simple.

[B]

It's impossible. That's not a thing worth budgeting for.

[A]

It was a costly lesson that I learned. When it comes to costly.

[B]

It's not done yet.

[A]

I know that.

[B]

That's crazy. That is crazy.

[A]

I modeled the budget for the building off of another person who lives a little bit aways from me, who helped me build some of it.

[B]

Oh my gosh.

[A]

They paid $20,000 for the building. It's basically an exact replica, except for the fact that I had to carve down the dirt.

[B]

Well, that's huge. Moving. Earthquake.

[A]

Well, right, exactly. So I didn't account for how much of a difference that would cost. The different things I had to do, like the vinyl siding for my hoa. He doesn't live in an hoa.

[B]

Why?

[A]

I just.

[B]

Just.

[A]

It was.

[B]

Why? If you have an hoa, why didn't you run the plans past them before breaking ground?

[A]

Well, I got approval to build the building. I did get approval, but they didn't ask me for plans.

[B]

So you only used this to pay off your card?

[A]

I used to pay off, and now.

[B]

It just sits here. Okay. Is that all where it went? It didn't go to any. Like, going to Canada and the Netherlands.

[A]

That was before that happened. That was a while back.

[B]

Well, two seasons ago. We know you spent 16,000 to travel alone, so.

[A]

Well, it's tr. The tournament cornhole in general. Yeah, the Opens and stuff like that. That was like, tournament costs travel. I invoiced the. I don't know.

[B]

Why do you keep saying invoice? Who are you invoicing? What are you Invoice?

[A]

I was making a point to. I wasn't expecting a point. Yes. The head of the league that I play in, they had guidelines for the season and said, okay, meet these guidelines. This is what you need to be to make pro for the next season. At world Championships, they move the goalpost, which is kind of shitty because we've all been operating under these guidelines. Like if we do xyz.

[B]

Oh, shit. I just actually realized something.

[A]

What?

[B]

I don't give a shit about that topic.

[A]

Well, that's good.

[B]

Who cares? You told me to say who cares?

[A]

No, but that's why I said invoice. Because I said this is, you know, okay.

[B]

PayPal credit. What are you doing? Not paying off, like you say.

[A]

I pay off all my cards, the PayPal one. I pay off the amount to avoid standard and deferred interest, which I think it's like 2,500. That's due by Shop.

[B]

Tick Tock. Shop dragon bags. That's $159 eBay. Disney plus wuffs. Store wuffs in more real D. I could tell from wuf, you dumbass.

[A]

I didn't know if you knew what it was.

[B]

What, from roughs? I think when people say wuffs, they know it's a dog.

[A]

I doubt it.

[B]

What? People actually have thinking capacity, by the way, believe it or not, despite what you have experienced in your own secluded life in your shed of dumbass. 18 years to pay this off. 18 years. Pull up your TikTok shop right now. Right now. 30% interest rate, which starts probably very soon. Oh, they're. Oh. Oh. Most of them are expiring. In a month.

[A]

Two of them are. I was trying to say 2500 March.

[B]

Go on, let's see my orders. A vibration plate from TikTok shop that sat next. So that's how you get off when you don't travel to these events.

[A]

No, I actually bought that like over a year ago and just never opened it. I forgot what was in the box until recently.

[B]

Okay. You got loaded. Tea. Endless amount of like markers to draw on.

[A]

They have like a big glass calendar.

[B]

You'll have a phone and a computer.

[A]

I know.

[B]

$43 unfoldable bedding container for bed.

[A]

A lot of it's house stuff.

[B]

Ah, two piece dryer van. Okay. That one's actually fine. You didn't have a mop. Doggy bed. That's potentially okay depending on what you already had. Disposal cleaner. That's chill. Doggy brush. Also depending on what you had. Pet food mask. Pet pad. Peel mask. Pet peel mask. Food pill mask. Food peel mask. You got peel masks.

[A]

Is it foot? It keeps your feet soft.

[B]

Oh, you mean see Remon sampler pack for fat and weird cookie company.

[A]

Oh, every. You know, that was a while ago.

[B]

Stickers for the back of your. Not that long ago. Stickers to the back of your car. That's necessary to survive. There's lots of shirts, lots of hangers, lots of tea. You get tea every second of your life.

[A]

No, I just order it in bulk so I don't have to pay for shipping.

[B]

Chair. It's an expensive little chair.

[A]

What chair?

[B]

Oh, and a desk. A chair. A desk chair. You like your desk. That's the screen record.

[A]

Sorry, chat part of the 2500 that's.

[B]

Coming up saying you have thousands of doll on here and the payments are all coming up soon and you are just, just. Yeah. Good luck. Good luck. At least it's not deferred interest from what I can tell.

[A]

But no, it is, but I don't.

[B]

Know, most of them are. Good luck.

[A]

2500 is due by March 9th.

[B]

Oh yeah. That's coming very soon. And you don't put that much yeah. And you don't put that much towards anything. So I don't want to pay it. I don't want to.

[A]

Oh yeah, the amount.

[B]

You know how I would trust if you do if you had any semblance of that kind of behavior and discipline in these statements. They're not so. I don't believe you. That is an invalid thing you just said.

[A]

You don't believe me. It's not invalid, it's accurate.

[B]

Okay. If it was Accurate. It would be shown somewhere in these statements. Bank of America. Is this your pay bill card?

[A]

What's the balance on it?

[B]

$3784.

[A]

That is the. Yeah, the one that I pay my bills on, right?

[B]

You don't pay it all off every single month like you said you do, right?

[A]

That's the one of the bank of America ones.

[B]

2784.98. Minimum monthly payment 118. I hope you paid off. I really do. Listen, I just have to go off of what I see in here. I know. And what I see in here is you will not pay it off.

[A]

Okay.

[B]

17 years to pay this off. And this is. It is Experian credit report. I don't know why you're paying for that same amount of money could go towards dollar wise and improve your life substantially more. You get it for free of course. But Tovala. Tovala. $169 for a tavala. What's the Tovala?

[A]

It's the. It's like not like a meal kit but like they send you the pre portion meals and they have like the little oven and you scan it and it cooks it for you. You've seen the commercials for it. They're all over tv.

[B]

I have not and all over tv.

[A]

Do you want to see the.

[B]

Hey, I'm not a boomer. I'm not just sitting down watching tv.

[A]

Boomer, what's like on commercials and stuff?

[B]

I don't watch commercials. Boomer. Okay, you guys watch commercials.

[A]

Where do you see boomer?

[B]

Super bowl or a college football game?

[A]

Really?

[B]

Girl, we don't watch commercials because we like pay for YouTube Premium and YouTube is the best platform on the entire Internet by far.

[A]

But if I paid for YouTube Premium you'd be yelling at me for paying for stuff while I'm in debt.

[B]

I put a subscription fund in everyone's budget where you choose to put 40 bucks or where you choose to put 40 bucks. But no, I don't watch it slop on TV that just shoves ad down you throw. I don't know how people make it through that. That I really don't holiday in. Like I actually I love some slop TV. Give me some 90 Day Fiance. But I watch it ad free after the episode is done. Yeah, but after the episode is that I watch it ad free. I don't like Hulu or something. So what the Holiday Inn. Great traveling to get some dick Holiday.

[A]

And great traveling to get some that was reimbursed.

[B]

Walgreens Getting our morning after pill for 45.43. Makes sense.

[A]

I got reimbursed for that Holiday Inn in Nashville.

[B]

Did you get reimbursed for the morning after pill?

[A]

I didn't take a morning after pill. Oh.

[B]

Hoping it leads to something.

[A]

I take birth control.

[B]

Do you still need to.

[A]

I'm not 50.

[B]

Okay. Chewy. I understand that. Yes.

[A]

It's weekly.

[B]

Because I'll throw it back and that's when I get.

[A]

It's weak. Tobal is weekly. They send me.

[B]

Okay. Nest. Yep. Tovala. You're spending a lot on that. Tovala. Netflix.

[A]

It's lower now.

[B]

It's like one my choices supply. What choices are you making for $431.

[A]

So I. I vape and instead of paying $25 at the gas station, I buy in bulk.

[B]

My.

[A]

You bulk vape about half.

[B]

You are a broken individual.

[A]

It's like half.

[B]

You are a disgusting broken individual. Hey, I pay my bills every single month. You've had a late fee this year.

[A]

That was because of fraud. I paid the day after it was due. I looked.

[B]

If it was fraud, they would have reversed it though.

[A]

If it was because of that easily call them. I at this point.

[B]

I don't know.

[A]

Yeah, I could. It was at this point. Yes, I had fraud.

[B]

Then do it. Why is it on this show I can do that and then I just never do. Exactly. Then why haven't you. That is every single guest on this.

[A]

Show consider like I can't. I will for paying it A day later.

[B]

You had fraud. I punishment. What is wrong with you?

[A]

Because I should have.

[B]

Weirdo. What do you need to be kink Fraud.

[A]

I should have. I should have.

[B]

27. I deserve that.

[A]

It did deserve it. So I left it on there. I could call them and remove it.

[B]

I just give me a fee again. Daddy. What the. No, it was fraud. You went to fraud. Call it. Why is it always I can, I will, it will happen. It's gonna happen. But never. I did.

[A]

Okay. I will call that lovely how that.

[B]

Always happens on the show. History.

[A]

The card.

[B]

I love that. I put my bills on that. I pay off every single month accrued $1063 in interest. Fuck off. So that is why I don't believe you will pay those off. Because you don't. Dude. You don't. Everything about you is I will or it's gonna happen. But it never does never happen. City $462. What is this?

[A]

That was for this trip.

[B]

Okay, well, you know that'll get reimbursed. So it better go right towards it. So I'll cost that off for now.

[A]

Okay? It will.

[B]

He's not here, is he? I feel bad for all of you for later then because I know usually once you get to a hotel it probably starts like pulsing. Ready our next expectation. Smell that Holiday Inn lobby or you start getting.

[A]

Our next trip is next weekend. So. To Memphis, buddy.

[B]

What are you doing with your life? Let me just talk to you for a second. I've seen you. I know what you look like.

[A]

He coaches.

[B]

And I know the age you're doing. Huh?

[A]

He coaches college soccer.

[B]

He coaches D5. Soccer.

[A]

I think it's D3. I think.

[B]

Yeah. Okay, so he's a volunteer. Is he sticking it in anything else?

[A]

As far as I know he's not.

[B]

Oh, as far as you know. I can ask him. We're calling him in the post show. Ladies and gentlemen, it's official. We are calling this weird 30 year old YMCA coach in the post show.

[A]

You'll like him. Actually. I think you guys will get along okay. He loves. He loves fake tits like Brandon does. So.

[B]

So why would I get along with him?

[A]

They'll have something in he gets along with everybody.

[B]

Does that mean you have fake tits?

[A]

I do. I paid for them in cash. Don't worry. Before the.

[B]

It's not what I'm.

[A]

Before the barn.

[B]

What the fuck are you doing with your life? 25 minimum payment on this Apple Card. $227 owed. Apple Bill. Give me your phone. It's all Apple bills. Listen, I'll give you a course career certification on how to not be. Actually, that doesn't exist but course please make it. Listen. I don't know. I'll gift it to someone you need because you actually have a good career and you got to use the FIZ card, a debit card that builds credit. Use the dollar wise budgeting app and go through the master your money program. You get it all for free. So you get all the classes in the community. Okay? Take it all. Take all the resources. I will stop being a moron. You're being a moron. Moron. Wow. Your profile picture is facetuned.

[A]

It's what?

[B]

Facetuned.

[A]

What's face tuned?

[B]

Is that like edited or extremely old? Right.

[A]

No.

[B]

Right.

[A]

It's not that old.

[B]

So face tuned.

[A]

I don't know what facetuned is.

[B]

Edited.

[A]

I mean I didn't edit them.

[B]

Who did?

[A]

Nobody.

[B]

Appleville, iCloud+. Okay. You must be doing Apple pay. Must be purchasing because it's 54, 4828 90.

[A]

I think one of them is a subscription.

[B]

Okay. This card is paid off every single month. So I'm not putting this one, but bank of America you did some purchase was 175. It's still all meaning.

[A]

This is money.

[B]

Shut the up. This is money that could go towards PayPal before it starts accruing, before the deferred interest hits. It could go towards the 15 SoFi loans. So it's still. Even if it's paid off every month, it's still. Because it's Burger King Jack in the Box. Which by the way, if you're doing this meal prepping service that everyone sees on tv.

[A]

That was when we were.

[B]

No one watches. Watches tv.

[A]

That was when we were in Myrtle Beach.

[B]

You pack a sandwich.

[A]

It was four days.

[B]

I love this. We go on vacation somewhere. Where do we go? Trying the local cuisine. I'll tell you. Burger King, Jack in the Box, Chick Fil A. Chick Fil A and Dunkin. That's my favorite local coffee shop.

[A]

Dunkin is my pre like tournament spot. We always tournaments.

[B]

Let's just be real. Drop the goon for a second. You just can't afford to the Chick.

[A]

Fil A stuff that was at the venue.

[B]

Okay, that's not.

[A]

That was at the venue.

[B]

And then Carolina Ale House. At least you got something unique for. And then he paid and he paid.

[A]

For the other half of like you can't afford this.

[B]

This is money that could be going towards your 15 sofi dumbass debt or the even better paypal credit before that deferred interest hits. Okay, this one also gets paid off. So I'm not writing it down, but Capital one venture. It's still money that could be going to places. That's for pet insurance. Is that that price makes sense for three dogs, you said? Yeah, that makes sense. About 150 bucks.

[A]

And I just. I put it on that card just.

[B]

So it's same with this bank of America. Not worrying about that. Looks like gas. That's all gas. That's okay. That's fine. See, when you. When you say you're gonna pay off all my cars, it's like you. You pay off these couple cars that you put like 20 bucks on. Like you. You have these thousands of dollars of cars that are including thousands in interest, including deferred interest that you are not paying off. You. So when you set up this conversation about cards. I play out my cards. No, you don't. You liar. You coping. Coping mother. I don't want to hear it. See, and here's an example. I'll tell you what you didn't pay off. Wells Fargo Outdoor Solutions. Let me guess. For our hut. Our little corn hut.

[A]

Nope.

[B]

For what, though?

[A]

That's for a hot tub.

[B]

Before. Before the building.

[A]

So your fake belt, it's almost paid off.

[B]

4,000 is almost paid off because it started at 16.

[A]

Yeah, like you.

[B]

It's still 4,000 hours, moron. Like, shut up.

[A]

It's a nice hot tub, though.

[B]

Great.

[A]

You don't want a hot tub?

[B]

No.

[A]

So we're relaxing, bro.

[B]

It's 100 degrees every day here. No, thank you.

[A]

That's fair.

[B]

$4,005.47 hot tub is just stepping outside. $268.01 a month. 16 more months to pay this off. Minimum to payment only. But interest is already accruing. It's already accruing. So it's not like you're making progress. Shut down the up. You could be putting all your Burger King, Jack in the box. Duncan Cornhole. Stupid ass. Towards this interest accruing card instead of your life. This makes no sense. You're being a silly goose and I don't like it. And the low interest rate is 4%. Okay. Okay. Is this a car?

[A]

Is it 6?

[B]

7,000?

[A]

That's the. That's the car.

[B]

364.61. What is the car?

[A]

It's a 2020 Jeep Grand Cherokee.

[B]

Okay, not great. I had a. A 19 Jeep Cherokee, not Grand Cherokee, but listen. Still not great. It's basically. I mean, it's like the same. So you have an equity position. Surprisingly, it's worth about double. About 16,000 bucks.

[A]

Yeah, but the problem is how many times have you. Not four by four.

[B]

When did you get.

[A]

It's not four by four. I. 20. 19.

[B]

Tennessee. This is not four by four. Why. Why does Tennessee. Why does that matter in Tennessee?

[A]

Because, like, the ice snow. When we get snow, it's.

[B]

Yeah, but that's rare.

[A]

I mean, it happens, though. And again, I travel, so I know you don't want me to travel, but when I travel.

[B]

You travel for fun, not for necessity. So you don't need to travel when it. When you're snowed in.

[A]

I have almost slid off the road.

[B]

Shut the.

[A]

No, that wasn't. That was going to someone's house.

[B]

Don't go to someone's house when you're snowed in. Get snow tires.

[A]

I do need to replace the tires.

[B]

I had front wheel drive in West Michigan, which is a trillion times snowier.

[A]

I feel like that's dangerous, though.

[B]

Yeah, but I did It. And I never crashed. My entire family.

[A]

Makes me nervous.

[B]

Okay, well that's because you're a. Let's listen. I Sedans, everything. I was front wheel driving and it was stupid. It was stupid or real, I don't know. But just, you know, whatever. When it's just one, it's just like it's fine. You know. I went to Western Michigan University. It's like the eighth snowiest college in the US or something like that. At least when I went there, that was the statistic. Who knows what it is today? Sure, that shit always changes. But like Shut the Up. And I was. My job was delivering, driving Jimmy John's Shut the Up. You're fine.

[A]

So don't get a new car.

[B]

Southerners are now. You grew up in California, so you're an extra. No, don't get a new car. More on. You have double equity position. Listen, 6.29 interest rate. It's not thrilling, but I mean, okay, you have an equity position. I mean if you wanted to sell it and take out a loan to get a ten thousand hour car, so you'd be bringing in like an extra two to three thousand dollar loan, you could do that. But I don't. It's not the biggest thing. Okay. Mortgage. Good. Love this. Minimum payment. $1,132.81. That is that where no one wants to live? Balance. Let me tell you, it makes sense. $173,401. Yeah. I mean 3% interest rate. I love it.

[A]

It was during COVID I love it.

[B]

Yeah, no, it's great. No one wants to live there. So it's perfect. Perfect.

[A]

I love it there, huh? I do. It's better than California, huh?

[B]

Heavy. Neurologist. 2900 in our checking account, but it is down from 3200 and it's all pay advance, pay advance, pay advance, PayPal going out. Okay, that wasn't crazy. And yeah. 20,000 savings. That actually is quite good. And 535 in that one. So. Okay, well that. That's good.

[A]

It is this one right here?

[B]

Yeah, just click on it. Don't say it. No, I don't want you to dox yourself. Not that we wouldn't bleep it, but.

[A]

Either way just showing that's not the picture that normally. Oh, it's Zillow. Though I usually look at it like it doesn't matter.

[B]

Okay. Okay. So just a cull the sack house. Oh, okay. Wow. Great equity position. We love it. It's worth about 318 Neo. 173. Good. Nothing to complain about there. Well, let's see if we can just budget your life and see what you're willing to sacrifice because that's the big conversation here. Let me, let me get your minimum monthly debt payments, not including your mortgage. Okay. Your debt, minimum payments, not including your mortgage. $1,565.46. Might be off a couple dollars because I can't read one of my numbers, but it'll be very close. Mortgage and we love. This one has less than your literal minimum monthly debts, which is moronic. It should say something. 1132.81. What is that?

[A]

Might go down a little bit.

[B]

Okay, well when it does, put it in your budget. What is your utilities? Internet, gas, electric, all that good stuff. Combined utilities.

[A]

I wrote down 515.

[B]

Cool. How much for gas? Vroom, vroom. Drive, drive.

[A]

Less than 100. So would you say 100?

[B]

Okay. Car insurance?

[A]

I pay it every six months and it how much every six months? 597 every six months.

[B]

Okay, so we'll say 100 bucks. Phone bill.

[A]

One hundred and ten.

[B]

Three hundred for food. You're meal prepping. You're not using the stupid ass services. Go to the grocery store.

[A]

Okay.

[B]

What the are you doing? Cook a few times a week, warm that up. TP fund. 100 bucks. Anything else you need to survive. All that good stuff. Medical, health care, Co. Co pays and why not.

[A]

How much for medical? Like 70.

[B]

Cool. Is there a gym?

[A]

No, I have gym stuff at home.

[B]

Pet insurance? I'm gonna say 150. Just rounding subscriptions. Let me put in 50. Okay. Anything else that needs to be in there that I have not put in that looks pets.

[A]

Like pet food.

[B]

Yeah, pet food. How much?

[A]

So I wrote down 550, but that's just.

[B]

How much?

[A]

550.

[B]

Okay. Diet food, I assume or like weird medical allergies or something for them.

[A]

That's including their like the wuffs and like their supplements and stuff like that.

[B]

Do they need that?

[A]

Well, the, the boy, he's the one who takes it. He's 16, so.

[B]

Oh, good for him. What kind of dog?

[A]

He's a border collie, German shepherd mix.

[B]

Ah, good for him. I love that.

[A]

He's had double ACL surgery in the last like two years, so.

[B]

Okay, well listen, you gotta. Basically I'm gonna round for the sake of it of just safety, about a thousand bucks a month left over. Okay. And yes, you need to pay some of these quicker like the PayPal credit, but you just prioritize the order I would prioritize that. And then I would just do small, as big as. And you might do that car trading and then bring that $7,000 loan down to a $2,000 one.

[A]

But are you saying smallest balance or smallest, like interest balance?

[B]

Okay, you actually have to change your behavior. Do not take shortcuts. This time you have not Learned at no 401k takeout. Okay, okay, we're not doing that. No consolidation, no transfers. $225,000 and $12.04 minus your mortgage of $173.41 19 cents. Oh, my gosh. Okay, okay. You got bad debt. $51,610. So obviously that is 51 months, which is chunky. That's four years. That's not that bad. You got nothing else going on in your life. So listen, if you go out, work extra jobs, you use that money to pay for your cornhole.

[A]

Okay?

[B]

Cornhole does not fit in this budget. If you actually care about getting out of debt. If you don't actually give a shit, then I don't give a shit. And it sounded like you really didn't when it came to prioritizing cornhole. So we'll see. But that's what I would do. It's four years. Your emergency fund is great. In fact, actually, since you have high interest, accruing debt right now takes you 5,000 hours to 5 on a monthly basis. What I would do is take 15,000 of it and throw it towards PayPal and SoFi.

[A]

That's what I was going to ask.

[B]

Yes, I would do that. And that helps. And then you just have to recoup the emergency fund, which for you, once the debts are paid off, would be about 21,000. So, yeah, replenishing that, it'll still maybe like three and a half years, then total, and then you're done.

[A]

But take that out. You have to go make pay off stuff, like immediately. Okay.

[B]

Anything that you do go spend on cornhole, you need to go make more money to pay for it though, because it does not fit in this budget.

[A]

So no cornhole, no go pick up a second job. Okay.

[B]

Or work more. Whatever you can do. That stuff pays for it. Anything else needs to go towards fixing this situation. Guys, I'm gonna get the hammer Financial score. But join us for the post show. I'm gonna call this this Penis Man. And I am.

[A]

Oh, my God.

[B]

Oh, she stole her ex's car. Okay, we're gonna talk about that. That's gonna be crazy. And we'll see if we can play some cornhole as well. So make sure you join Hammer leaf, the number one, the best membership on YouTube. Click that join button. Three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Let's get the same financial score. Spending a budget. 0 out of 10. You overspent collections. It's. It's not the worst, but it is high. And it's some stupid interest and it's some dumb debt. Two out of ten emergency funds. Well, okay, we did the debt score based on what that is, so we'll do the emergency fund based on what that is. Your emergency fund would need to be high right now because you have high minimum debt payments right now. It's actually about a 6 out of 10 retirement. 8 out of 10 in real estate. Yeah. Pretty damn good, I'd say. I mean, there's a risk of a loan, but other than that, you're pretty damn great. 9 out of 10. Camera financial score right down the middle, channel. 5 out of 10. Join us in the post show. See you there.

[A]

Oh, my God.

[B]

Hello. What the are you doing with your life? Oh. 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.