The Most Hated Person In Financial Audit History

Summary

Podcast Summary: Financial Audit—"The Most Hated Person In Financial Audit History"

Host: Caleb Hammer
Guest: Nova, photographer, Sacramento, CA
Release Date: November 21, 2025
Note: All timestamps in MM:SS format, referencing the full transcript. Ads and non-content sections are omitted.

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Episode Overview

This intense and combative episode features Caleb Hammer and Nova, a self-employed dance photographer from California. As Nova unpacks her chaotic financial life—marked by IRS debt, questionable business habits, rampant spending, and denied personal responsibility—the discussion becomes a passionate, at times exasperated audit of not just her finances, but her character. Caleb doesn't hold back, and Nova deflects with humor, catchphrases, and evasions, making for a controversial and highly charged audit.

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Key Discussion Points & Insights

1. Nova’s Background & Income

• Nova’s Work: Self-employed dance photographer working nationwide, earning $8,000–$12,000/month, occasionally up to $12k. "Yeah, I hit six figures last year in photography. Yeah." (03:41)
• Business Structure: No LLC, sole proprietor, disorganized finances with all income and expenses flowing through one business account but used freely for personal spending. "All my photography money just goes into like one huge thing."
• Success and Spending: Despite high income, she admits to living an "upper-class lifestyle" without considering taxes or past obligations. "I started making more and more money. I just kept spending it." (05:27)

2. Failure to Manage Taxes and Business Finances

• Never Set Aside Taxes: Nova admits to never setting aside taxes from 19 to 30. (05:55)

• IRS Audit & Fallout:

  • Triggers an IRS audit over PayPal income underreported due to recent rule changes ($600+ thresholds).
  • Nova and her tax "expert" (from Craigslist) advised her to pay, not contest or over-deduct, to avoid further scrutiny.
  • "So, one, I didn't know photographers had to pay taxes. Nobody told me that." (19:50)
  • Misunderstandings abound: She confuses audit with simple tax underpayment letters at first, but it’s clarified when she describes being forced to go back and refile multiple years. (26:33)

• Penalties & Garnishment:

  • IRS attempted wage garnishment; Nova evaded direct contact and let payment plans lapse, accruing substantial penalties and interest (>7-8% plus penalties).
  • "I’m working on it. I have a plan," she repeats, but provides no concrete actions. (39:47)

3. Spending Habits and Debt

• Extravagant Spending:

  • $19,000 spent in one month (31:34)
  • "I probably spent a lot last month. Like, 10, 12, 15,000."
  • Justifies spending by "treating herself" on work trips, frequenting basketball and WNBA games, and vacations disguised as business.

• Lack of Budget: Nova does not track monthly business or personal expenses, cannot relay rent figures, and uses multiple checking and savings accounts haphazardly.

• Major Purchases:

  • $7,000 modular couch: Justifies convenience/luxury as reward for business success (49:36).
  • Plans to buy a "new" (used) car amidst debt and IRS issues.

• Credit Card and IRS Debt:

  • Southwest card: $7,200
  • Delta SkyMiles: $9,400
  • IRS: $26,091, plus interest and penalties, broken up over multiple years (totaling over $47,000 in debt).
  • "How long does it take to pay off $47,000?" "I don't know, like three years? Four. But I could work harder." (10:03)

4. Excuses, Evasions, and Personality

• Catchphrases: Nova repeatedly says "ebbs and flows," "I'm working on it," and blames her still-developing "frontal lobe" for past irresponsibility.
• Avoidance of Responsibility:
  • Claims ignorance, youth, trauma, or lack of advice when grilled on financial failures.
  • Deflects with humor, shifting topics, and cute banter—prompting Caleb's frustration.
  • "Nothing will annoy me more than someone who literally just can't say something." (26:13)
• Lifestyle Inflation: Donates to PBS, fire departments, and indulges in DoorDash, Uber, and eating out while owing the IRS and credit card companies. (55:40)
• Justifications: Tries to rationalize spending and lack of payment by "paying it forward," providing for friends/sister, and business needs.

5. Host’s Interventions & Reactions

• Budgeting Advice:
  • "Distribute your profits at the end of the month to you and set 30% aside for taxes." (13:17)
  • Recommends using business and personal checking accounts separately, budgeting, and withholding for taxes.
• Discipline & Accountability:
  • "If you can't afford it, don't do it. Crazy how that works. Have a little bit of discipline. Be an adult." (85:03)
• Calls Out Privilege & Exploitation:
  • Nova exploits rent control meant for lower-income individuals while admitting to frequent luxuries.
  • "What a piece. I'm glad rent's more expensive for 98% of the population in Sacramento, so you six figures can have a rent control department." (70:14)

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Notable Quotes & Memorable Moments

• On Evasion & Excuses:

  • Caleb: "You're a miserable existence in front of me right now." (54:15)
  • Caleb: "There’s something wrong with you. And that brings out the worst in me." (60:26)
  • Nova: "My interest rate might be on there, actually. Oh, no. Never mind." (43:51)

• On Spending Outrage:

  • "Seven thousand dollars for a couch. What is wrong with you?" (49:36)
  • "You are broken. What is wrong with you?" (49:36)
  • "You made $19,000 last month and spent almost all of it." (31:34)
  • [After listing Nova's endless Uber, DoorDash, and luxury expenses:]
    • “This is unacceptable and unfair that the rest of us go out there, we pay our shit, and we do all this and she spends all her money on bull while she sits there and refuses to pay on her taxes. It is disgusting.” (82:38)

• On Taxes/Audit:

  • Nova: "They knocked on my door... but I didn’t answer so that they can’t prove I got the letter." (29:30)
  • Caleb: "IRS, please, just come take everything she owns. Honestly, please. Destroy her. Destroy her. Please. She deserves it." (57:17)

• On Personality:

  • Caleb: “You are my least favorite guest on this show. This cannot be. I cannot tell if it is me or you. I really can't." (51:22)
  • Nova: "It's just a little car. It's not a big deal." (75:57)
  • Caleb: “You do not exist anymore... If I have a question, then I will allow you to pull the mic close to your face. You're done.” (79:14)

• On Solutions:

  • Caleb: "Pay off your debt, especially IRS, then get a 12 month emergency fund. Any debt while being a business owner without an emergency fund is so much risk over your head." (68:19)
  • Caleb: "One month emergency fund, then pay off all your debt... You wouldn't have a San Diego fund, you absolute creature." (78:48)

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Important Segment Timestamps

• Nova Introduces Herself: 01:47
• Discussing Income and Artistic Success: 03:13–04:48
• Admission of Poor Tax Practice & Audit: 05:46–22:04
• IRS Knock & Wage Garnishment: 25:24–29:42
• $19,608 Month & Spending Justifications: 31:34
• $7,000 Couch Purchase: 49:36–50:03
• Credit Card Debt Deep Dive: 52:41–60:12
• Uber, DoorDash, Subsidized Rent Outrage: 71:08–73:26
• San Diego Move & Budget Discussion: 85:23–88:30
• Financial Plan Finally Acknowledged: 86:10

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Tone & Atmosphere

• Host: Sarcastic, combative, exasperated, sometimes harsh, but rooted in a desire to educate and provoke real change.
• Guest: Flippant, evasive, self-deprecating, defensive, uses humor/catchphrases as shields.

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Conclusion

The episode lives up to its title, featuring perhaps the most infuriating guest in the show’s history—or at least from the perspective of fiercely responsible personal finance enthusiasts. Nova’s story is an extreme cautionary tale: success in business does not equal success in financial stewardship. Caleb’s relentless grilling, while at times harsh, underscores the systemic and personal consequences of unchecked lifestyle inflation, poor tax compliance, and willful financial ignorance. The message is clear: knowledge without action is meaningless, and no amount of income can outpace bad habits if they’re left unchecked.

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For more details, segment-by-segment breakdowns, and further education, visit calebhammer.com or join the Financial Audit YouTube channel for post-shows and resources.

Transcript

[A]

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[B]

I got a letter. Someone knocked.

[A]

You wanna know an answer to a question? Maybe shut the up and you're giggling about it. You don't care. You're obnoxious. Frontal lobe. Are you gonna do the 25 frontal lobe thing?

[B]

It actually is 28.

[A]

It's person to person.

[B]

First of all, I nominate myself as a 28. Right?

[A]

I'm gonna nominate you as I think.

[B]

You'Re saying this cause your frontal lobe is still developing.

[A]

You're annoying. You didn't even look at those little spots. I don't give a. You're annoying, you're obnoxious, you're not funny, you're not cute. Just thinking everything in my power not to kick you the off. You have no idea. Black Friday starts now. Master your money. My all in one personal finance membership is finally live. It is every single course I've ever made. Exclusive content and a members only community. Click the link below and become the member of the best Money membership on the planet.

[B]

I'll see you inside. Hi, my Name's Nova. I'm 30 years old from Sacramento, California and this is Financial Audit.

[A]

Thanks for coming over. California, not cheap. Sacramento I don't know as much about honestly than many of the other places. But I'm gonna assume not cheap. It almost never is. So I hope you do well there. You know, I. I'm just gonna be candid out of the gate. I didn't even say anything to you about this until we sat down. And I always like to call it out. My absolute goodness. What are you doing this is insane. It never conveys over the camera like I, you know, like it does here in person. But I hold many different stacks of paperwork, ladies and gentlemen, and this is insane.

[B]

I can afford it though. It's fine.

[A]

Oh, yeah, that's. I'm sure why you're on this show. We're the same age. I couldn't imagine whatever the. This whatever's in here. Cuz I don't know. I come in a blind to the audience. Whatever the is in here. This blows my mind how thick this is. So I hope you make money. What do you do for a living in Sacramento?

[B]

I am a photographer.

[A]

I. Please tell me you are known.

[B]

I. I am a very talented photographer.

[A]

Does that talent convert into money?

[B]

It does, actually.

[A]

How much do you make.

[B]

It? It depends. I don't really look that much. I just know my card swipes. It could be like, I don't know, on a. On a good month.

[A]

How about. Let's talk a normal month.

[B]

A normal month. I don't know, it could be like 8,000, 10,000, 11,000, 12,000.

[A]

Really?

[B]

Yeah.

[A]

Well, okay, first of all, that's a range. You started with 8 to 12. We said normal. Yeah, ebbs and flows. I said normal. Well, is normal. If you said 8 to 12, are we talking normal? 10?

[B]

I mean, is 120 my normal? Is it? Yeah, I hit six figures last year in photography. Yeah.

[A]

That's incredible. Yeah, that's incredible. We've had a lot of people who want to make a living in the arts in this show.

[B]

Yeah.

[A]

How'd you get. Because you wouldn't be on the show. Fun fact. Little spoiler alert if you weren't in that stack of paperwork is insane. In fact, I looked down and I'm probably not going into it right away, if I'm being honest, because I want to get to know you a little more first. But I see the IRS logo as the first thing. Right. Sitting on top of this stack. So like I said, why do you fumble? Why fumble the bag? Because so many people come on the show and they want to be the successful artist. And you actually did it. You did it. Three and a half years of this. Only a couple people did it. You did it. You it.

[B]

Why? Like I said, it es and flows and flows.

[A]

Why'd you get.

[B]

I didn't know as much about being an artist when I was younger.

[A]

Okay, you're not younger. You're here where you are right now at 30. What's younger to you? 29.

[B]

I started at like 19.

[A]

Okay, yeah, yeah. But 19 year old mistakes shouldn't really, truly be affecting you too much. At 30, a bankruptcy would be cleared, collections would be gone, rebuilds would be off the record here.

[B]

We're gonna work on it together.

[A]

We are working on it together. This is the, this is why you're here, is why you answer questions. You're here to answer questions. So try to answer the question that I am trying to. Sorry. Not to come off too combative, but that's not an answer.

[B]

That's what, yeah, I did mess up.

[A]

Yes. But I'm trying to understand you're saying, yeah, you messed up at 19, but that shouldn't really be affecting you too much right now.

[B]

Yeah.

[A]

So I don't feel like that is a valid reason for why you're here.

[B]

Yeah. So basically, basically I just, I started making more and more money. I just kept spending it. That's the, the root of the issue.

[A]

Yeah, but clearly not paying your taxes.

[B]

If I started like living, I started living an upper class lifestyle without like handling my past, which maybe you could.

[A]

Do in the middle of Kansas, Sacramento, I'm not 100% sure on six figures without setting enough money aside for taxes. Did you set money aside for taxes?

[B]

No.

[A]

Ever? 19 to 30?

[B]

No.

[A]

Okay, I understand. The first couple of years, maybe get.

[B]

Up a little bit, learn I was getting money back.

[A]

Wait, when did you start doing.

[B]

Well, like three years now.

[A]

Okay. When was the last time you got money back from your filing? Do you file every year? Yeah. When was the last time you got money back from your filing?

[B]

Like three years ago.

[A]

What do you do? What's your photography?

[B]

I, I, I photograph kids.

[A]

Huh. Can you say that in a different way?

[B]

You don't wanna say you shoot kids? I photograph.

[A]

I wouldn't wanna say that either.

[B]

Yeah, I photograph kids.

[A]

But maybe some context would go a long way.

[B]

I mean, more specifically, I want you.

[A]

To say exactly what you intend to say. Cause I'm not saying anything. I want you to say these words.

[B]

Yeah, I photograph kids. Most specifically, I photograph dancers.

[A]

Okay, that sounds a little better.

[B]

Yeah. My job is. I'm a dance photographer.

[A]

Can you just say that? My goodness. Come on, come on. I photograph kids versus I'm a dance photographer.

[B]

Yes.

[A]

Come on.

[B]

I'm a dance photographer.

[A]

There you go. Please answer that whenever anyone asks you in the future. No.

[B]

Well, I try to be like so specific because, yeah, if you say like.

[A]

Nowadays, dance photographer is more specific, but.

[B]

I only because I don't want people to think I shoot adults. I don't like, that's Fine. Yeah.

[A]

I have to say, kids, dance photographer.

[B]

Yes. We're getting there together.

[A]

Are you contract. Are you on like a payroll here?

[B]

I work for myself.

[A]

You work for yourself. And is this pursuit.

[B]

Yeah.

[A]

Why were you the winner?

[B]

I'm really good at what I do.

[A]

Good. I love that. I mean, I would.

[B]

I'm like one of the best. Again, a lot of people don't like me for that reason.

[A]

Why?

[B]

Because I'm one of the best.

[A]

Well, you mean other photographers don't like you for that reason. Yeah, I don't care. Who cares?

[B]

Yeah, really good.

[A]

I don't give a. The lioness doesn't. What's the. What is it? I don't know.

[B]

Something like that.

[A]

The lioness doesn't concern herself with the. Okay, I. Never mind. I just. I can't remember any part of that. Yeah. What? I don't give a. Yeah, you're more successful than people. Obviously they're going to be petty and annoying. I don't really care. But then you're also probably giving them a W right now by being on this show showing that you completely fumbled the bag.

[B]

Yeah. I think it's going to be educational. That's the half of your.

[A]

Well, it absolutely will be, but people.

[B]

Can'T make my same mistake.

[A]

Well, I agree with that and I would like you to do better. But either way, the people that cheered against you again, you got the win, but you fumbled it. You threw it away.

[B]

I. I did. Yeah.

[A]

So.

[B]

But I mean, as much as I may give myself like six months, honestly, if I really set my mind to it and I can fix, I can fix it.

[A]

Huh? Yeah, I've heard that about every episode in the show's history and that Maybe.

[B]

Maybe even three, I think after.

[A]

How much debt do you have?

[B]

It ebbs and flows, I'm sure.

[A]

How much debt do you have?

[B]

I don't know, like 8,000.

[A]

Then how could you tell me it could be done in six months if you don't know how much debt you have? Because that would factor into the math.

[B]

I make a lot. It's just about.

[A]

You make a lot. You don't set enough money aside for. You don't set any money aside for taxes as far as I'm concerned. Honestly, I don't even know. You spend all your money self confessed and this is an eb and flow job. Who knows when it might eb.

[B]

Yeah. Yeah.

[A]

And you say 8,000 hours of debt.

[B]

Yeah.

[A]

So 8,000 hours of debt in six months we can pay off.

[B]

But like, if you think about it.

[A]

So 8,000 hours of debt in six months to pay off.

[B]

Yeah.

[A]

You can do that?

[B]

Yeah.

[A]

Okay, well, obviously the good thing about 47, 128 of debt, so I don't know what you mean. Six months. If it takes eight months to pay off $6,000 of debt, do the mathematical equation. How long does it take to pay off 47,000?

[B]

I don't know, like three years? Four. But I could work. I could work harder. That's the thing. That's the cool thing about working for yourself.

[A]

It is. But that relies on you being more disciplined, not living that upper class lifestyle like you said you immediately did when she started to make more money.

[B]

This is my reality check.

[A]

Yeah, great. Yeah, you're saying all the correct words like I'm. But that's not. That doesn't mean that you're. This is your reality check. But you actually have to put.

[B]

This episode is brought to you by State Farm. Listening to this podcast. Smart move. Being financially savvy. Smart move. Another smart move. Having State Farm help you create a competitive price when you choose to bundle home and auto bundling. Just another way to save with a personal price plan like a good neighbor. State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings and eligibility vary by state in the actions. No, I am. I'm not like other people on your show. I'm going to take this so seriously.

[A]

Why? Why are you different?

[B]

It's just like my finances are kind of a mess right now because, like, okay, so when I started this, everything just goes into one account. Like, I don't pay myself or anything. Nobody taught me how to like, handle it. So like, all my photography money just goes into like one huge thing. And I don't like, know how to pay myself or like actually set money aside for like taxes and stuff. That's the root of my issue.

[A]

Right? So you know what's happening? Why the current.

[B]

You fix it. I spend my photography money.

[A]

Very good. You know what's happening. Why the don't you fix it?

[B]

How do you fix it?

[A]

You said you know everything that's going wrong.

[B]

So you like, okay. When people say they pay them. Okay, I read so much advice online and they're like, oh, you have to pay yourself as a photographer. You can't just like spend that money. How do you pay yourself?

[A]

Like, what do you mean? What's the question?

[B]

How do you pay yourself specifically with.

[A]

The money you're coming. That's coming in yeah, like, am I.

[B]

Supposed to, like, I don't know. So like, only put in like $100 or something.

[A]

You're talking taking from your business account to your personal.

[B]

It all just goes into one account.

[A]

Okay, well, one. There you go. There's. There's an issue. Do you have an LLC?

[B]

No.

[A]

You never made an LLC? You've been in this for my 11 years.

[B]

My tax person said it would probably be better to stay as a sole proprietor, but to be honest, I found them on Craigslist. I don't know if that's right.

[A]

Well, not only that, but it would be the same thing. LLC is just a funnel, essentially, helping you keep things separate and a couple legal protections as well.

[B]

Mm. I'm not reading. Huh? I'm not reading. I'm a. So I'm a sole proprietor.

[A]

I know.

[B]

Yeah. That's good, right?

[A]

You still would be.

[B]

Okay.

[A]

Okay. I'm okay either way. Yes. Get an llc. Create a business checking account that's attached to your llc.

[B]

Well, I have a business checking account.

[A]

Okay. What the are you talking about then? You just.

[B]

I just. Then why.

[A]

Why. Why does everything come into one instead of going into there?

[B]

My. No, everything goes into my business checking. I just.

[A]

So you spend personal out of your business checking? That's moronic. That's my separate checking account. For yourself.

[B]

Okay.

[A]

Budget your business, figure out what you're spending on business expenses.

[B]

Yeah.

[A]

You can distribute profits. Maybe leave $10,000 in there as some wiggle room. Distribute your profits at the end of the month to you and set 30 aside for taxes. Is that complicated?

[B]

Oh, like at the end of the month. But then like if I need money to spend on the other days.

[A]

Uh huh. It's after you've distributed at the end of the month that next month you spend what's in your personal checking account that was distributed at the end of the last month.

[B]

That doesn't seem as fun, though.

[A]

Well, it's not. It's not about fun because we're not children. You're 30 and you're.

[B]

There's always going to be more money in my photography business account.

[A]

Not necessarily because you'll distribute probably your profits, which should be pretty much 100% other than maybe some gas that you do, traveling to events, maybe a little bit of food that you do.

[B]

Is now a good time to tell you I built a travel photography business so I have to fly in order to work. I don't work in Sacramento.

[A]

Oh, well, yeah, that's gonna be a lot more expenses. Yeah, that's gonna Be a lot more expenses. And obviously you take again your distributions after that.

[B]

Yeah, that's what I'm really bad at.

[A]

Yeah, but you know how much you spend in a month, right? In your business?

[B]

No.

[A]

Well, no, no, you can sit down at the end of the month and see what you spend.

[B]

I could.

[A]

I mean really, it should be like towards like the, the first or second week of the next month. Look previous. See what you spent.

[B]

It's just like one of those things where like I'm never like, I, I don't track, I don't know how much.

[A]

Dude, even if you're not tracking, let's say 10,000 hours is our baseline in our checking account. Next month, call it the second week of the next month, first week of the next month. Whatever's above 10,000 hours you can take out. If you want to be overly simplistic of it, then put 30% of that aside that you take out. There you go. That was like a one step process, two step.

[B]

But I don't know how much my business is going to cost to run that month because it's like, okay, then.

[A]

Take your highest expense month. Leave that amount in your business checking account at all times. Anything above that you can take out. And anything you take out said 30% aside, you can take it out multiple times a month if you want to. Yeah, if we're just going overly simplistic.

[B]

Do you want to hear a funny story?

[A]

No, not particularly.

[B]

Okay.

[A]

But apparently your car, your card was declined yesterday. Cuz you didn't even know.

[B]

I didn't know it was a bank holiday yesterday. I thought like, wasn't Columbus Day canceled or something? Why are we still celebrating it?

[A]

Your card was declined. That doesn't make any sense. Why would a card be declined?

[B]

Because I use that business account for everything. And so like, dude, I was using.

[A]

My business account yesterday. It wasn't declined. What are you talking about?

[B]

No, because I. Okay, so Sunday night I got the email saying, oh, you're going to get this much deposited tomorrow based off what I made this weekend. But it wasn't deposited.

[A]

Oh, because of the holiday.

[B]

Yeah.

[A]

So you're relying on deposits to Deposits just for frivolous spending, for fun stuff. Yeah, if 10,000. Listen, you're doing okay. You're making $120,000 a year. Okay. Before expenses. I don't know what your expenses are. We're going to look through it. But even still, this doesn't. 100. I don't understand. You're, you're not living like an incredibly woo Woo. Super rich lifestyle in Sacramento. You're not going to on 120 at before expenses. Before expenses and I'm guessing What is that? 20, 30 a year maybe. I don't know. Flights can be expensive, hotels can be expensive, especially depending on how you're trying to do it. But you also not living a poor lifestyle either. So you shouldn't be distribution to or like pay to pay to pay in order to just make a small frivolous spend.

[B]

It's because I was in Alaska this past weekend.

[A]

So I spent but for business.

[B]

Yeah, but then I like to treat myself when I go on these business trips.

[A]

No, that doesn't make any sense. Why would we be treating on business trips? Also do you treat yourself on your vacations? Treat yourself on your home?

[B]

I don't take vacations.

[A]

What does treat yourself in Alaska look like?

[B]

Well, you know, Alaska is expensive. I spent like $60 on Chow Main.

[A]

Okay. Did it make sense to take the job? Did you break even? Did you even make money?

[B]

Usually I profit. This one, it's Alaska. Like there's not that many.

[A]

Then we're not taking Alaskan jobs.

[B]

But I wanted to go. So it was a work trip and a vacation.

[A]

Okay, you just said you didn't take vacations.

[B]

No, no, I don't, I don't.

[A]

I would but this was a break even and if you, if you wanted to use the break even to go somewhere you wanted to go, that's fine. But if it's literally just for business, obviously it's not. We don't go for just break even when you could have used that time making a profit somewhere else.

[B]

I think I lost money, especially after the chum in and I spent $50 to rent a place.

[A]

Still, even still, I will say it's okay to slightly lose money if you use that as a way to subsidize a vacation. Yeah, I'm okay with that.

[B]

I saw Moose.

[A]

But let's not call it notification. It was a vacation. No, if it's a strictly business opportunity, then it was and dumb and you should have done something else.

[B]

I consider anytime I bring my camera a work trip.

[A]

Which okay, yeah, the IRS might have some fun with that at some point. If we're being honest. People don't really understand deductions too much in this country you think you can just write things off.

[B]

So I bought my camera and I did take photos.

[A]

Well, that would be business. Buying a camera for your business would be business.

[B]

I brought my camera to Alaska and I took photos of dancers. So it was a Work trip.

[A]

This is a great year to do with 100% depreciation. Absolutely. There's a lot of advantages that you could be taking advantage of right now with equipment for this year specifically.

[B]

Yeah.

[A]

I'm learning that your CPA will help you with. But apparently you don't work with the cpa. You got a Craigslist guy that told you something once.

[B]

He did tell me about depreciation.

[A]

Okay. He told you something about the.

[B]

Okay, I wrote off my printer.

[A]

Yeah. And that would probably make sense. Yeah, to a certain extent.

[B]

But he also. He also said we got to be careful not to like, because now that the irs, they might, like, pay more attention to me now that I'm, like, why you? Because, like, I'm a. I'm a business owner.

[A]

Yeah. But a lower income on the business owning threshold. So usually you wouldn't be in the, you know, gaze of Sauron.

[B]

Wait, aren't I, like, high income? I don't know what's high in America.

[A]

As far as an overall business. No, not necessarily. Okay, what if they're auditing a person in a business? Like, I mean, usually with. I mean, they have more limited resources, for what it's worth, so they go after, like, the big bucks.

[B]

Is now a good time to tell you that I was audited?

[A]

Oh, okay. So they did. You must have triggered something.

[B]

I did, yes.

[A]

What did you do? That's insane. I haven't had someone audited on the show.

[B]

Really? I'm so special. They like, okay. It wasn't my fault, actually.

[A]

Of course.

[B]

So, one, I didn't know photographers had to pay taxes. Nobody told me that.

[A]

Continue.

[B]

I was little.

[A]

Little.

[B]

I was.

[A]

Girl, you've never been little in your life.

[B]

Okay, two, I guess, like, in California, if you make more than $600 through PayPal, which, of course, I am.

[A]

First of all, that's everywhere. That's the irs. But also probably their state taxes as well. California likes their money. Yes.

[B]

California, their money. So, yes.

[A]

Number two, let's get on to number three.

[B]

If you make more than 600, you have to report it. Why? Wasn't reporting.

[A]

Yep. Okay.

[B]

I wasn't reporting PayPal.

[A]

Of course not. They. Of course now on PayPal, no cash app, they have statements for end of year, for taxes. Literally, if you just looked at it, you would have been able to submit it and you're. Okay. Whatever.

[B]

Yes, so they told me.

[A]

PayPal told on you. Yes. Because, yeah, of course, again, they create the end of your reports for you. So you did trigger. It's not your fault. What do you mean? It's not your fault. That was your fault.

[B]

But it just randomly happens. Like it was never an issue before all of us.

[A]

You know, the 600 thing is a relatively new rule from a couple of years ago.

[B]

Yeah, and this was a couple of years ago.

[A]

Yeah, exactly.

[B]

But, like, I don't.

[A]

Your CPA didn't tell you?

[B]

I don't even know how much I make like it ebbs and flows. No, I didn't have a CPA back then. I was. I was doing it myself.

[A]

That doesn't make any sense. But you didn't know anything. Why would you do something that you know nothing about?

[B]

What do you mean? I just started a business, and then it started making more and more money. It just, like, snowballed.

[A]

Yes, I agree, but that's usually when you reach out for help, when you don't know something.

[B]

I was.

[A]

You didn't fear the tax situation?

[B]

I didn't know how. I didn't know how extreme it was. And then.

[A]

Yeah, extreme. You don't think they want their money, the people with the guns?

[B]

Okay, so, anyway, plus, when I did get audited, it was, like, over, Covid. Nobody was, like, even going outside. I was.

[A]

Well, I believe they had increased IRS funding during that time. I think the Inflation Reduction act had more IRS funding. They had more resources to go after you, if I'm not mistaken. Maybe it came from that, actually.

[B]

That actually would make sense. Yeah. So, like, I was, like, inside. I wasn't even shooting. Everyone was inside. And then, yeah, I got, like, little audit.

[A]

Okay, tell me about the audit, dude. My goodness.

[B]

Okay. I mean, what do you mean? It's happened. It's an audit.

[A]

Congratulations. This is a calculator. I can tell you things about it, though. I can describe the buttons and what it does. Tell me about the audit, dude. Oh, my goodness. What a miserable conversation. You're incapable of answering questions.

[B]

No, step one, got audited. Step two, then I did go on Craigslist, and I looked for someone to help me. And step three, they basically said, you already got audited. You don't want to, like, around. Just pay it.

[A]

That was it. They just said you owe more money. Are you sure you even got audited?

[B]

No, I know I got audited.

[A]

No, I don't think you got. Did they. Did they have you send over years of documentation?

[B]

No, they already had the documentation from PayPal, you moron.

[A]

You were not audited. You were just told you owed more money, you actual creature. Wait, you were never audited?

[B]

No, I think I was.

[A]

No, you were not audited.

[B]

They had to go back and refile.

[A]

Yes. Paper. Yes. Because you did it incorrectly. You weren't audited.

[B]

I think I was. No. If they garnish wages, isn't that audited?

[A]

Not necessarily. Garnish wages. Who they garnish from. Look, private student loans can make you feel like you're one missed payment away from selling your grandma's heirlooms. We miss you, Grandma. Why? Refi says, chill out. No more sacrificing the family jewels. They don't reduce you to a credit number. They actually want to see if you actually plan on paying them. And by the way, they're providing interest rates under 6%, which is practically a unicorn in the student loan jungle. I mean, some lenders want to charge so much that you'd swear they're putting your firstborn on layaway. Tired of monthly payments so high you can't afford a single sweet treat? Wirefi has gotcha. They'll rearrange your payment plan, ease the monthly hit and. And even let your poor cosigner off the hook. Mom or dad can finally breathe. Oh, and if you think you'll just get stuck in a call center, guess what? 4.6 stars. And Google says why Refi actually picks up and treats you like a real human shocker, right? And finance. That's about as rare as me not slamming the desk every single episode. So if you're done fantasizing about robbing a bank, don't do that. By the way, check out why Refi? They're here to help you actually crush these loans without selling your kidneys on the black market. Head to yrefy.com hammer that is whyrefi.com hammer or. Or call 889-733978 that is 889-733978. And see how a real personal approach can help you escape the private loan nightmare. Because, let's be honest, living with crippling debt until you're 90 is not the retirement plan you dreamed of. It's a win win. You get money, and I get money. These are called affiliates. And you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use. And you get up to a $350 bonus with a new Chime checking account and earn up to 5% APY on your savings. And second, my investing app of choice these days is Weble. And get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with acorns. Typically the sign up bonus is only 5 bucks. But with my link you get $20. Ladies and gents. You get money, I get money. Enjoy. Links are in the description below.

[B]

I was working.

[A]

So you had a job. Yeah, no, listen again. Obviously. Payment clock.

[B]

I got a letter. Someone knocked on my door.

[A]

Hey, you want to know an answer to a question? Maybe shut the up. I should tell myself that sometimes. But you just don't answer questions. So I'm going to interrupt you either way.

[B]

Listen, they knocked on my door.

[A]

Uh huh. But okay, listen, if you were able to answer questions and tell me what happened throughout the auditing process, maybe I would say yes, you got audited. I don't know, it sounds like to me that the payment services that you use, like PayPal, you know, reported to the IRS just as they do every single year and they gave you your end of your statements you filed incorrectly and then said, hey, you owe me more money.

[B]

No, it wasn't like that.

[A]

Okay, then tell me what okay, literally if you were able to just tell me what the happened, I would just be able to listen and know you're incapable of actually giving details for anything. Yeah, I'm gonna do better this year. Six months. It's $8,000 to debt. Oh, I was audited. Why were you audited? Hey, it was an audit. Shut the up. How would you actually tell me something? Oh my goodness. I'm sorry, I'm coming in hot. But this is. Nothing will annoy me more than someone who literally just can't say something.

[B]

Okay, answer. I was. They had me go back to every year and redo it. Okay. It wasn't just the previous year. Okay.

[A]

So they were asking for a lot of detailed documentation.

[B]

Yes.

[A]

Good, thank. How long does that take? And you did that yourself without the help of anyone?

[B]

No, I did. I did pay the Craigslist person. Okay, okay, so. But she said you really once you already.

[A]

Who's she? Craigslist or irs?

[B]

The Craigslist person. She said once you already get audited, you don't want to around too much and it's better to just pay. Because even if like. So let's say like, oh, in 2018, I brought my camera. I did this. This. She's like, you don't want to go and try to do a bunch of write offs because they're going to be really looking at every single write off.

[A]

Agreed.

[B]

So she said it's better to just suck it up and pay it.

[A]

Agreed.

[B]

And then fix it in the future.

[A]

Agreed. So like amended in the future.

[B]

No, she said don't.

[A]

She said with the last years, I would agree with that.

[B]

Yeah, she said don't try to. The more you do now is like they're going to be at a microscope looking at it.

[A]

Absolutely.

[B]

Yeah. So but now for like 2023, I broke even because then I learned about the write offs.

[A]

Learn. Did you do them correctly though? If they gaze their eyes on you, will they be like, actually this is not a write off. Because what most people think is like write offs and deductions aren't always 100%.

[B]

I took her advice and then I.

[A]

Her advice or did she do the taxes for you? Because she would do it correctly. Actually some CPA would do it correctly.

[B]

Yeah, she did the. She. She re. Did it.

[A]

No, you're 2023.

[B]

No. Then I got a second Craigslist because once she did it, I still owed so much money. I still owed so much money.

[A]

Probably correctly. And then you had someone come in and do what you wanted to almost illegally eliminate expenses.

[B]

Work smarter, not harder.

[A]

You might be audited again.

[B]

No, I think I'm smooth sailing now.

[A]

Why?

[B]

Well, and then this year I owed money because now I make so much.

[A]

Uh huh.

[B]

So I have to be doing it right if I'm still owing money.

[A]

So do you owe from the audit still?

[B]

I'm working on it.

[A]

That means yes. When you answer that question, the answer is yes. Oh my goodness.

[B]

It ebs and flows.

[A]

Am I grumpy or are you incapable of answering? I can't tell. Sometimes I don't know.

[B]

No, it ebbs and flows. I've been working on.

[A]

Oh my goodness. Oh my goodness. I don't like you. Okay. It ebbs and flows. You're just like, dude, I swear. Just put in a coin and you pop out like five catchphrases. So cute. It's so cute. We all love it. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just $8 only at McDonald's for a limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska and California. And for delivery are you still dodges her their calls. Whose calls? Irs.

[B]

Are they calling backstory? No back story.

[A]

I hope there's details in this.

[B]

My wages were garnishing because I was working.

[A]

Yes, fair, good.

[B]

And then when I left that job, they had nothing to garnish, but they still wanted their money.

[A]

So I'm going to pay in taxes.

[B]

Then they knocked on my door, was saying like, you have to pay this. And we're canceling your payment plan because you're not making the payments. But I didn't answer the door so that they can't prove that I ever got the letter.

[A]

Dude, this is the irs. This isn't some random law firm, though.

[B]

Work smarter.

[A]

No, no, no, no. So did you consult for that?

[B]

What do you mean? I just didn't answer the door.

[A]

Exactly. So you didn't try to get advice from any kind of expert that would.

[B]

Say, I'm going to pay it, though. I don't need advice.

[A]

I hope so.

[B]

I don't need advice. I'm gonna pay it.

[A]

I hope so. But what they could, could, could, might not. Again, you're lowering.

[B]

You're right. My CPA person did say, like, especially in California. They are. They will, like, they will boot your car.

[A]

Yes, they could do a lot of things, but they could also. If you go back to employers that are employing you for these photography things multiple times, and they see that they could go to them and they could garnish your wages from that before it hits you. There's a lot of things they can do. They have, like, all power in the world.

[B]

They just take it.

[A]

Yes, it is. And maybe they should, if they're listening, because you're an irresponsible brat. Listen, if I have to pay millions in taxes that I could be investing in the business or, you know, doing whatever I want to live my life, because apparently you got to pay, like, 50%. Me kill myself. At least pay like you're 25.

[B]

Don't be a. I told you, I'm working on it. No. Okay.

[A]

She's working on it. Very good. We know how much came in last month? It was about that. 10. That's great. How much did you spend?

[B]

Wait, what was last month? Like, September 10th? Last month was September. What did I do last month? It could be. It could be up there.

[A]

I don't know where there is.

[B]

Oh, I. I think I went to a basketball game last month, so it could be up there.

[A]

Yeah. Basketball games. Notoriously. Thousands of dollars.

[B]

Yeah.

[A]

How much do you think you spent? You absolute. Answer the question. Well, probably there is nothing. Basketball means nothing.

[B]

Oh, up is nothing.

[A]

Give.

[B]

I probably spent a lot last month. Like 10, 12, 15,000.

[A]

Wow. Okay. Big range. Yeah. It was $19,608.59. And you're giggling about it. You don't care. You're obnoxious. What is wrong with you as just a person? I went to Seattle as a personality. What is wrong with you?

[B]

I went to Seattle last year for a job. Well, yes, yes.

[A]

Shut the up. What is wrong with your personality?

[B]

But I restarted.

[A]

Shut up for a second. You think this is cute? You think you're cute? You think you don't have to take care of your responsibilities and pay your IRS bullshit and you're just around and every single thing you say. I'm working on it. I can fix it in six months. It's only $8,000. Oh, the money I spent is up there. It's, you know, 8, 9, 10, 11, 12, 13, 14, $15,000 somewhere in that massive range. What is wrong with you? Your personality is whack. It's. You have a personality.

[B]

To be fair, my friends still owe me money for the basketball game. They're going to pay me back.

[A]

So to be fair, I don't know how the. You have friends.

[B]

It's going to be less of what I spent.

[A]

Lindsay's telling me your friends are not going to pay you back.

[B]

They're working on it.

[A]

Oh, and. And that you know it because you told her. And now. Now that you're on camera, you're cat phrase catchphrases. I'm working on her. They're working on it. In order to just move on from a question. Shut the up.

[B]

You.

[A]

You told Lindsay they're not going to pay you back.

[B]

I was.

[A]

How much do they owe you?

[B]

Well, it was a women's basketball game. It wasn't that crazy. It was the Falcon.

[A]

That sounds like they probably paid you to come.

[B]

Probably. I. I paid for everything. I assume they'd like throw a 10 in for gas. Did a ticket cost for all four tickets? I probably spent like 600.

[A]

Oh, you got scammed. That's impossible.

[B]

Well, it was upper.

[A]

That's extra impossible.

[B]

It's upper bowl.

[A]

Two floor seats at a WNBA game is about $2.50. And they throw in a bag of popcorn.

[B]

No, it's because the Valkyries, they're in California. It's their first year. It's their inaugural season, so everyone was very excited about them.

[A]

Who is everyone?

[B]

All the Bay Area.

[A]

Yeah. All the Tech bros really care about wnba.

[B]

They got to the playoffs. I didn't go to that.

[A]

Nobody did.

[B]

Anyway, so we drove. I thought people would pay me for gas. Nobody did. We went to the.

[A]

Why do you have such friends? I like to offer to pay for things because I'm wealthy. It's nice, but get those. But I don't have expectations of payback, nor do I want it. But you clearly did. And yet they just don't like these don't sound like good friends.

[B]

I think someone bought me a drink.

[A]

Wanna know a dirty little secret? And no, I'm not starting an only. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollarwise. It shows you exactly where your money's going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need is and nothing you don't. And when you download dollar wise today, you'll get to try it for free. Plus 3 months for just 9.99 so you can finally take control and see what your money's been doing behind your back. Click below to get started.

[B]

One of them's my sister. I should mention that.

[A]

I'm just wondering. The fact that you expect for them to pay you back and they're not.

[B]

It's a loose expectation. Okay, I can afford it.

[A]

Maybe not really. You owe the IRS money. Can you afford anything? I would suggest.

[B]

No, I can. I mean, we got there.

[A]

My NBA. Let's bring. Let's bring in Aaron.

[B]

Aaron. Aaron is not here today, so I brought you our best lesbian diva.

[A]

Oh, this is not gonna work. I can leave.

[B]

No, come join us. Do you know basketball? Huh?

[A]

Okay.

[B]

Oh, Caitlin Clark.

[A]

That's the only one I know. Everyone does. All right, Mika, come on. She was in.

[B]

She wasn't there though.

[A]

Usually Aaron does this, but I have the next best thing. Her boss. We're trying to get her lesbian score. 0 to 10. 0 to 10. Trying to get her lesbian score. You can ask her questions. Besides Caitlyn, name three WNBA players.

[B]

Paige.

[A]

Don't know who that is.

[B]

Well, I went to see Caitlin Chin.

[A]

What? That's such a general first name. Paige.

[B]

I don't know Paige Buckers.

[A]

Oh, okay.

[B]

Caitlyn Chen. That's who I want to see. Cuz she's on the Valkyries. She's the first Taiwanese basketball player. Oh, yeah, yeah, yeah. And then Paige's girlfriend, Azie Fud, who's.

[A]

The one that constantly gets made fun of.

[B]

Angel Reese.

[A]

Lindsay agrees.

[B]

Yeah.

[A]

Okay.

[B]

Her and Caitlyn Clark have that rivalry.

[A]

Oh, that's a rivalry. Too much WNBA talk. It's disgusting.

[B]

I think. Yeah.

[A]

Okay. Do you think it's fair to say that most women can't drive?

[B]

Well, I can't drive well.

[A]

Oh, okay. So good anecdotal.

[B]

You should see my car. Got Like I hit the construction code. Now the side of my car is orange, okay? And my car guy, he told me never to use Super.

[A]

Let's get a lesbian score. 0 to 10. 0 being the best, worst, 10 being the best.

[B]

Most lesbian I know, I'm dressed normal.

[A]

I'm going to give a 5.5out of 10. If you want your lesbian score, see where you stand in the world of lesbian. Go to caleb hammer.com forward/lessee. We got to go into this IRS, but what do you think your finances are? 0 to 10, 0 being the worst, 10 being the best.

[B]

Well, I probably make more money than oh my on this.

[A]

Zero to ten, zero being the worst, ten being the best.

[B]

So six or seven or eight.

[A]

Oh, you're miserable. First of all, that's insane. You wouldn't be on this show. Ladies and gentlemen, if you want your Hammer Financial score, see where you stand in the world of finances. Take the assessment. It is free@caleb hammer.com See where you need to improve. See where you need to do better. Shut the up. I am doing a call out. I. I legitimately do not like her. You are so annoying. Oh my. And if you don't want to be like a guest who ends up on the show, you're going to need a lot more than this to not be like her. Just don't be an obnoxious. But download the dollar wise budgeting app and you won't be like her financially. Take the free trial. Sign up for the annual version if you want to save a lot of money. And when you do, I will personally sign my budget friendly cookbook and mail it directly to your door. This only lasts for a couple more months and then it's gone forever. No purchasing, no nothing. It's gone. It's dead. Okay. Dolos.com IRS it looks bad on paper. What does that mean?

[B]

It just looks bad because it's printed out on paper. And the little violence when I work on paying it off, it's not going.

[A]

To look as bad when it's always when it's never I am. I have. It's always in the future. It's interesting how that works. That's how it works for anyone dieting. It's how it works for anyone budgeting. How it works for anyone going and getting a better job. It's how it works for anyone starting a business. It's always when I do it. Never I am or I have started to on the Post show on 2024 taxes $7,391.22. 20, 22, $16,303.88. 20, 21, $2,396.62. Listen now, is it not that bad? 7,000. I mean, it's not great for your income situation. Absolutely not even close. Uh, but here's the thing. It is okay to owe a little bit of taxes as a business owner, to not pay your estimated taxes perfectly because it's oftentimes based on last year. And if your business is doing well, it's growing, you'll probably owe more money. But as long as you're saving and setting up money aside in order to pay your end of balance from previous year, that is okay. But deferring, not necessarily great. You might have to pay some fees, you know, and especially if you have to pay on a payment plan, which you're getting to. That is not good. You didn't defer your. You owe in general terms, accruing interest in your. Okay. Huh?

[B]

Why can't do it?

[A]

Because they don't trust you. Because you're. Because you're moronic. So you just owe this out of the gate. $26,091.72. Yeah. Q.

[B]

Can't.

[A]

Sorry. Interest is accruing at probably. It's usually fed rate plus like 3. So we're talking like maybe like I think 7, 8.

[B]

Honestly, it might even be like 15%. What?

[A]

Out of penalties and you.

[B]

Oh, penalties. Oh, yeah, I think, okay. I think it might be a 7, 8 interest rate and then I might be getting penalties.

[A]

Why?

[B]

Because the payment plan.

[A]

So why can't you get on a payment plan? What happened?

[B]

I didn't pay the payment plan. But now, why?

[A]

That was such an opportunity.

[B]

And now I have a plan to pay the payment. I'm going to make a bank account where I'm going to put money into it, and then every month I'm going to draw directly. And then that way it won't fault.

[A]

It won't fault.

[B]

Yeah. Like, isn't that what it's called when it. Oh, it won't decline. That's why I got canceled from the payment plan because my card declined.

[A]

Why don't you have enough money in your checking account? Why can't you manage?

[B]

I don't know, just ebbs and flows. It ebbs and flows.

[A]

I'm going to. What are you. Ebbs and flows because. Can you. Hey, new rule. You can't say ebbs and flows or I'm going to work on it, okay? You can't. You can't. Can I have the spray bottle? Where's the spray bottle. She needs punishment. Oh, did we lose it here?

[B]

Well, you don't want to mess up my makeup anyway.

[A]

I don't give a about your makeup. I'll be completely honest. Um, I need a punishment. I need to make sure you don't do something. Is there a way to harm her without physically harming her?

[B]

You can just like smack the paper super hard.

[A]

That'd be great. Please. Thank you. Green for the sake of brand matches my sweater. Say it again. Get the whack.

[B]

Okay.

[A]

Then the rules.

[B]

I'm a rule follower.

[A]

So except for paying your taxes or doing anything. I was little. What is this? I was little. Okay, new rule. You can't say I was little either. That's now off the table. That is whackable.

[B]

Anything before your frontal lobe.

[A]

Whackable frontal lobe. Are you going to do the 25 frontal lobe thing?

[B]

It actually is 28 when it develops.

[A]

No, it's person to person, first of all.

[B]

Okay, I nominate myself as a 28 developer.

[A]

I'm an. I'm an hoo. Listen, by the. I read a whole psychological report on it because people, people on TikTok and Reddit love to abuse this 26 year old, 25 year old frontal low bull from the vast majority from. It's either like 16 or 18 is world experiences. It's not actually just sitting there and it's like oh, it's developing, it's developing, it's developing. That's not how it works. It's mostly for the absolute. For the vast majority of the brain doing through growing with ages is done by 16, 18 then a lot of it is life experiences. And if you're just locked inside being a little brat baby, then obviously, yeah, it might not be developed until 35 and it's going to be person to person regardless. It might be 21. For some it averages out at about 25. Mine was, but shut the up. You think you should be forgiving everything at 24. You don't feel your frontal, by the way, it is a gradual thing from 15 to 25. Anyway, it's not like 25. Oh, I'm not anymore. That's not how it works. You are still responsible for the things that you have done and the mistakes that you are now dealing with. I was young. 20, 20, 21. You weren't that young at 2021.

[B]

I don't know. What was I like 26?

[A]

Yes, that would be the math.

[B]

My frontal lobe was.

[A]

So you completely dismissed everything I just said? No, my.

[B]

I know my frontal lobe I know. What.

[A]

No, you don't.

[B]

Yes.

[A]

No, you can't feel it. You can't sit there and be, like, analyzing it.

[B]

My decisions got a lot more wiser.

[A]

When I turned 28 based on life experiences. It wasn't because you turned 28 and it just clicked in. I swear, you tick tock, Reddit people are actual parasites on this planet and don't understand anything and use anything you can possibly. Find one little anecdote in some psychological analysis, and you base your whole worldview and excuse everything on it and infantilize yourselves to the ultimate extreme.

[B]

Some of them are wild. I don't like that. Like, oh, I have trauma, so I can't do anything.

[A]

Come on. You're just like. You're on that same level. You just picked on something else. You picked on the frontal lobe argument.

[B]

No, it's valid.

[A]

No, no.

[B]

Yes.

[A]

But it's. It's literally not. It's mostly life experiences.

[B]

I think you're saying this because your frontal lobe is still developing.

[A]

Oh, my. I hate you. You're obnoxious.

[B]

My interest rate might be on there, actually. Oh, no. Never mind.

[A]

Well, listen, I was looking and it wasn't, so.

[B]

No, I didn't realize that was a card.

[A]

You know, Frontal lobe. This is fully developed to be able to read numbers.

[B]

It's telling me how to avoid owing a balance.

[A]

Huh.

[B]

I'm gonna do that in the future.

[A]

Is your hippocampus fully developed so that you can actually learn from this?

[B]

Yeah.

[A]

And not do it again next year.

[B]

Next year. I'm gonna be so on it next year.

[A]

Full hippocampus.

[B]

We're working on it.

[A]

Gotcha.

[B]

I didn't say it.

[A]

Yes, you did. We're working on it. Yes, you did.

[B]

No, you said, I can't say the other word.

[A]

No, I gave you three things. Your catchphrases, your moronic, obnoxious cat phrases. Sorry. That it just damaged your frontal lobe instead of back five years, probably. Southwest Rapid Rewards. What's going on with this card?

[B]

Okay, so basically, I'm very responsible. I've never. This is only my second credit card, okay?

[A]

Dude, this stuff.

[B]

And I had it so big. I had a good reason for getting it. I needed. I needed a couch and perk. I would be able to fly on Southwest.

[A]

You want to do Southwest out of all the airlines?

[B]

I don't want to, but that's.

[A]

Then what the are you talking about?

[B]

That's the second biggest airline out of Sacramento, so it's not my favorite. I don't like it. It's nobody's favorite, but that's what flies out of Sacramento, so.

[A]

Okay, again, the reason specifically for the rewards to align with your airline thing. That's okay. I mean the couch is kind of moronic. Why don't you Facebook Marketplace and we know you're on Craig list.

[B]

Well, I don't want like lice or something.

[A]

Dude, I swear. This is the argument everyone. You could get a professional dude with a professional cleaning of a couch, plus picking it up from a rich area where they're just trying to get rid of it will still be 10, 11, 20, 100 times cheaper. Remember that doctor's appointment you were supposed to make a while ago? Like the dental cleaning you meant to schedule but you got sidetracked and completely forgot about it until now? Well, why not book it today? Today's sponsor, ZocDoc makes it easy to find the right doctor right now. And it's all online. You'll probably be able to book an appointment before the end of this ad. It's a free app and website where you can search and compare in network doctors across every specialty and actually book them instantly. You need a primary care doc, a therapist, dermatologist for that sketchy mole you've been ignoring. Zocdoc has over 100,000 providers to choose from. You can filter for docs that actually take your insurance. See actual availability. And my favorite part, you can often get same day appointments. No phone tag, no hold music, just click Book. Done. It's what I'd use if I needed to book a doctor fast. Stop putting off those doctor's appointments and go to Zocdoc.com Caleb to find and instantly book a top rated doctor today. That is Z O C- dot O C.com Caleb Zocdoc.com Caleb let's get back to the show. You asked for it and I'm delivering a way to connect the dots to see how the stuff we do talk about applies to you, your money, your debt and your goals. The wait is over because Master your money. My all in one personal finance platform is finally live inside. You'll get access to all of my courses, budgeting templates, calculators, a community of like minded budgeters, exclusive content, weekly tips and free access to the dollar Wise premium budgeting app. Learn everything from budgeting to investing. Tune in weekly for behind the Budget, a Master your money exclusive and join members monthly challenges to celebrate your wins. And since it's Black Friday, I'm giving you access to our members exclusive audits, financial audit, post shows and more insider content in our newly upgraded Hammer Elite 3.0 membership. I've wrapped it all into what I'm calling the ultimate Hammer Bundle. Sign up for master your money today and get lifetime pricing it just $39.99 a month, over $100 in annual savings and access to the Dollar Wise budgeting app. Premium version one month of Hammer Elite 3.0 for free plus a free budget friendly cookbook that you can download. This insane offer ends after Black Friday so if you want to master your money, click below and get started today then getting a new couch then I.

[B]

Have to pay so cheaper to get it. I live in a third bedroom apartment. I wanted them to deliver.

[A]

Well if you have friends like you said you do, they will help you.

[B]

I thought they're going to move a couch.

[A]

Okay, so you have friends barely fit in the elevator. Bad friend.

[B]

So you're about to make a trade based on a friend's text but which u do you listen to is it we could buy a house in Tulum get optioning those options. We could lose everything. Or let's do a little research, get your head in the trade and make the investment decision that's right for you. Learn [e-mail] TradeSmart barely bad friends barely fit in the elevator.

[A]

But it did. And you have bad friends.

[B]

I didn't ask.

[A]

Dude.

[B]

Look it part of making good money.

[A]

How much is the couch part of.

[B]

Part of making good money?

[A]

Yes.

[B]

Why don't you for convenience. So what you have the ability to pay for convenience because you make good money?

[A]

Sure. You owe the IRS money.

[B]

So I paid to have the couch to live.

[A]

I swear. I swear. I say things and you don't actually listen.

[B]

I'm going to answer your question. I paid to have it delivered and I paid for them to haul the other couch and it came out. It came out to about $7,000.

[A]

Oh my. You are broken. What is wrong with you? It is a 7000.

[B]

It's a modular couch. So I don't care. I can make the I don't hair. It's going to grow with me. It's also my first couch. I've never had a couch before.

[A]

What is wrong with you? What do you mean you've never had a couch?

[B]

I've never had a couch. I've always been so family's house.

[A]

Never had a couch.

[B]

Well yeah when I. I moved out at 18 though.

[A]

Oh, 18. Oh what a tragedy.

[B]

What? I haven't had a couch since 18. Who cares?

[A]

Who cares?

[B]

So this was a grown up investment.

[A]

You know, all the tech bros that move to Silicon Valley, where you are probably just have an air mattress and an Xbox and a tv. That's it. Probably don't have a couch. They're grinding on Battlefield and then coding all night.

[B]

Now they work all day. So that was like. I quit my job to do photography.

[A]

Oh, so we had to get a couch.

[B]

Yeah. So that I. Because, like, where am I going to sit while I edit photos?

[A]

Desk.

[B]

I don't have a desk.

[A]

Well, that would be cheaper. A nice little IKEA desk and a desk chair.

[B]

I don't have a chair.

[A]

Dude, I'm saying you're actually. Dude, I think you actually might be stupid. I don't know how you got to where you are.

[B]

Well, I went to Target and I got those, like, folding chairs.

[A]

Well, there you go. You've already accomplished what you said you didn't have. You've already accomplished what you said.

[B]

But I could sit, like, in that for, like, eight hours a day.

[A]

No, of course not. You could get.

[B]

I already have a bed arm. I'm not trying to baby myself.

[A]

You get a $300 chair that has adequate lumbar support and all the good stuff. Good posture sitting and a $300 desk. And that would have been cheaper. And grind on your photography cash flow couch, when you can get it, you put it on a credit card. You didn't cash flow it.

[B]

I was going to pay it off.

[A]

Was gonna. Was gonna.

[B]

I think I did, sort of. No.

[A]

You absolute moronic freak. You owe $7,217.89.

[B]

That's perfect.

[A]

How are you seriously somehow becoming my least favorite guest on this show? This cannot be. I cannot tell if it is me or you. I really can't. I can't. The audience calls me out when I'm being grumpy, and, you know.

[B]

No, I don't think you're grumpy.

[A]

Am I being grumpy? Is it her?

[B]

No, you're not grumpy.

[A]

Okay.

[B]

You seem like you're in a good mood.

[A]

That's the nice person's version of saying you're a horrible, obnoxious.

[B]

Be more mean to other people.

[A]

I am holding it back. I feel rage within me.

[B]

It's because, like, I'm so cute.

[A]

I can talk about that. Let me just say, use those stairs and not the elevator a bit more.

[B]

Anyway, sorry, I'm just being. I carried.

[A]

I don't like you. I don't even want to be mean.

[B]

I carried my suitcase up the stairs to here.

[A]

Yeah, the one flight.

[B]

That's like one and a half.

[A]

I'm certain that was traumatic.

[B]

No, like I said, I live in a third. I use the stairs. Anyway, let's go back to this.

[A]

So what I will do is I'll get you a course career certification in accounting. You got to learn the numbers around your business because the fact that you can't even do the numbers in your business is insane. How long does this take to pay off? If you only make your minimum monthly payments and you don't purchase on it, which by the way, you're incapable of as you purchase 3,000 hours last month. Substantially higher than your payment. More than double.

[B]

Well, I'm going to.

[A]

How long does it take? Minimum only. And no you're not. I'm going to shut the up. That is one of the wax.

[B]

Okay, I don't know, like 15 years. But I pay it off every month.

[A]

No you don't. You didn't last month. You absolute.

[B]

It's like a. It's a rolling.

[A]

Listen, quiet. You didn't it Acre 1487 of interest last month because you did not pay it off.

[B]

Shut up.

[A]

You paid a fifth of it off. I ha. I. Oh my. Oh, I don't want to finish this episode. You are.

[B]

That's better than some of your other guests.

[A]

Why does that matter?

[B]

I don't know.

[A]

Why does that matter? And no it doesn't. Because listen, sure, it's a bigger payment than some people made, but you spent double on it. You spent double what you put on it. So doesn't you completely negated at times too, like it doesn't make sense. And you can't tell me you pay this off every month because it's not even close to true.

[B]

You.

[A]

You. Listen. You've had 1,000 hours in interest this year so far rounded, okay?

[B]

Oh, I only got it in April.

[A]

Oh, you are a broken individual. This is your second credit card and you only got it in April this year. And yet we have this stack to get through. I don't need to know why. I already know why. The why doesn't negate the timeline. You actual incapable of having a conversation beast.

[B]

Yeah, it's a new card. I just got an April. Do you need. Do you need some joy? Do you need some joy?

[A]

I need to wrap this so I don't have to be in front of you.

[B]

This might make you feel better.

[A]

Okay. Yeah. Hahaha. Everyone likes bringing their plushie now that they know that it triggers and shut the up. You're not cute. You're annoying.

[B]

You didn't Even look at those little squirrels.

[A]

You're annoying. I don't give a. You're annoying, you're obnoxious. You're not funny. You're not cute. Nobody's laughing at you. Nobody thinks you're enjoyable. You're a miserable existence in front of me right now. You're going to Radcliffe's. You're going to Radcliffe's. Taco Bell, lsu, Towney, the Snug, Shady Lady Saloon. Raising canes, Walk the line, Department of Air, something. I don't know. Maybe a Hidden Dumpling House. Midtown's Cantina. Which one was comedic?

[B]

I like to go out with my friends.

[A]

Oh, do you?

[B]

Those are, like, all bars.

[A]

Oh, wow. Okay. Wow. Yes. Let me shake your hand and tell you it's okay. Now then. What? I don't. No.

[B]

I live downtown. Right downstairs.

[A]

You like to go out? You did not have to tell me. I knew that. They knew that. Shut up. Sorry. Ross store. Well, Trader Joe's is a bull. I don't know why that's highlighted. Southwest. Yeah. American Airlines. But that's probably. That's for the job. The Golden Bear. Willow. Like Oak Fire Department.

[B]

I like to donate money. I might have donated. That might be donated.

[A]

Why else would I double what you made last month? And you owe the IRS money, and you're donating money?

[B]

Yeah. What's the point of making money if you're not gonna, like, dude.

[A]

Oh, you owe still. I agree. Pay it forward. After you pay off what you already owe.

[B]

I think it's pay it forward.

[A]

Oh, my. I swear, you. You just literally. You say something. I then make an argument against it, and then you just repeat what you said before. I made the argument. It's like, that's my argument. I told you $10. I told you $10. Yeah, your argument's not valid when you owe the IRS and you're not saving enough money for taxes.

[B]

Support our fire departments.

[A]

Yes, I agree. And you can support it by doing much more in the future once you pay off your debt and have a fully funded emergency fund. There you go. Dude. That I'm sure. Okay. I'm sure they're fine. Warby Parker. Warby Parker. That can be okay. That's why I just said it can be okay. You beast. Shut up. Snap camera.

[B]

Little camera.

[A]

McDonald's, Old Navy nails. Then donating to PBS. $103.

[B]

The government, like, defunded them or something.

[A]

Dude, the government's not able to pay bills because you're not paying your taxes.

[B]

No, no. PBS I think, is privately funded.

[A]

Mostly yes.

[B]

Yeah. They need a little.

[A]

Has been for a long time. You have no money. You already owe the government money.

[B]

Isn't PBS like, being canceled? Like, nobody's giving them money anymore?

[A]

So I think.

[B]

I don't. I don't follow politics. I don't know for sure, but I gave them a lot.

[A]

Yeah, I think PBS and NPR had their funding removed. But if I'm not mistaken, NPR, it was like 2% came from the government anyway. Well, there's still local and state government.

[B]

Now they have a hundred more dollars.

[A]

Irs. Please. Just come. Take everything she owns. Honestly. Honestly, please. Destroy her. Destroy her. Please. She deserves it.

[B]

They might take you seriously.

[A]

I am serious.

[B]

I can get that.

[A]

You're an.

[B]

I can get this.

[A]

You're going out donating and spending money with your friends when you owe the government money, and I'm out here having to write checks of disgusting amounts of money. You do your part. I'm okay with paying my taxes.

[B]

We're working. Sorry. It's a progress. It's a process.

[A]

You're doing it.

[B]

You didn't say.

[A]

Come on. That's the same part of it. Your stupid catchphrases that mean nothing because you haven't done. There's no indication in here at all that you have ever tried to be decent.

[B]

You don't see any payments to. That.

[A]

You spent double what you paid towards it. Shut up.

[B]

Anyway, I had to get the glasses since my insurance got cut off.

[A]

Yeah, I didn't complain about the glasses.

[B]

I'm just letting you know that's why it's so much out of pocket.

[A]

Okay. Yippee. Didn't complain about them. Classes. You need them. Listen, you can use the fizz card, debit card that builds credit, at least, because you can't spend more than what's in your checking account. And clearly you need that discipline. Obviously, you have the yearly fee on this card.

[B]

I don't think it's that much.

[A]

What? What? What is it? What is that much? I don't even. That doesn't make. That didn't make sense for anything I said.

[B]

It's Southwest. It can't be that much.

[A]

The annual fee.

[B]

Yeah, I can't beat 69.

[A]

Agree. Was I on it? Not necessarily. I was just calling it out. You absolute impossible to be around. Human. And I'm being generous calling you human. Delta sky is platinum. What's going on with this? Because I like to play Delta.

[B]

Delta is my preferred. Also, it is a reserve card now, not a platinum. Might be good to mention.

[A]

Great to mention.

[B]

So when I fly. I can go to the lounge and get my little drink.

[A]

I'm sure that makes you even more tolerable. $314.75 of what? Your minimum payment. And then you're not bad.

[B]

I always pay that. If I don't pay.

[A]

Shut up. Your balance is $9,421.06.

[B]

Yeah.

[A]

21 years to pay the soft minimum to payments only.

[B]

But I pay it off because if.

[A]

I don't pay it, then I did not interest accrued. You didn't pay it off. You're a liar. Manipulator.

[B]

I gotta keep.

[A]

You just. You are a miserable existence on this planet. Shut up. You do not pay it off.

[B]

Okay, just hear me out. Hear me out. What I do is I have to make sure there's at least like a little bit of wiggle room because I have to use this to purchase my flights. So I do pay a little off every month.

[A]

You done? Is that it? If it goes a special little speech?

[B]

Yeah. I want to make sure I keep my loan jaxis and my upgrades. I don't know what I like to be upgraded to first class.

[A]

So you know the only seats that fit you.

[B]

Boom. Roasted. I mean, depends on the day.

[A]

Sorry, I'm just being mean. I just. I. I really. You. You're. There's something wrong with you. And that brings out the worst in me.

[B]

I've seen worse on the show.

[A]

Now the fat stuff is very personal though. Because usually I like to help people. Like actually like tell them like, hey, it's not okay to be that because you're gonna die early because you're gonna die early and stuff like that. Blah, blah, blah, blah, blah, blah, blah blah blah. But for you, I'm just doing it to insult you because I really don't like you.

[B]

I think you do, deep down.

[A]

No, I promise you.

[B]

Do you like this sweater though? I got it for the show.

[A]

Fine. I don't give a. I wanted to.

[B]

Make sure I stood out.

[A]

So you wear the brand color? I guess. Yeah. Okay.

[B]

Yeah.

[A]

Elsie Bakery. Paramount Plus. Really? Paramount Plus. That's all we need. Amazon Market. Huh?

[B]

The SpongeBob on it when I flew from.

[A]

I get it.

[B]

Anchorage to.

[A]

Actually. Okay.

[B]

It took me seven episodes of SpongeBob to get from Anchorage to Amazon.

[A]

Chick fil A. ABC. The even ABC. You're paying for ABC? Is that on Disney plus, what is ABC?

[B]

That might be Southwest Airlines in Vegas.

[A]

Clear me Italian Hera Hotel. Amazon Hotel. Born and bred swig moxies. Hertz car rep. And again, the personal Versus business. Just separate them because this is impossible.

[B]

See, some of it's business spending. It's not that bad. So, yeah, Horace was.

[A]

I can't believe I'm only two thirds of the way through this.

[B]

So it's a work. It's a work trip. Oh, and that is the abc. Have you been to the ABC store?

[A]

No.

[B]

It's like a really big store and the water is only like 79 cents, so it's better. It's actually, I'm working smarter than going to, like anywhere else in Vegas to get water. And I need. I need water. And they have these gushers dipped in like lemon juice. It's really good.

[A]

Phoenician, McDonald's, more Delta, Amazon. Oh, my. It goes up forever. And did you gamble while you're in Vegas?

[B]

I'm.

[A]

How much did you gamble?

[B]

First of all, back.

[A]

Can you just answer the question?

[B]

Vegas was one of my best.

[A]

Can you answer the question?

[B]

I made 20,000 and I only gambled like maybe a thousand and I won 400, so even.

[A]

Wait, what? I thought you said you made 20,000.

[B]

I made 20,000. No, I'm gambling on working. Yeah.

[A]

So you lost money?

[B]

Treat to myself.

[A]

You made 400, you spent a thousand.

[B]

Yes.

[A]

So you lost money gambling.

[B]

Okay, but overall I still made profit.

[A]

It's okay not to be perfect with finances. Experian is your big financial friend and here to help. Did you know you can get matched with credit cards on the app? Some cards are labeled no Ding decline, which means if you're not approved, they won't hurt your credit scores. Download the Experian app for free today. Applying for no Ding decline cards won't hurt your credit scores. If you aren't initially approved. Initial approval will result in a hard inquiry which may impact your credit scores experience. First of all, you gambled about 2,000. Yes, yes. But not from gambling. That's more money that could have gone to the irs. It's my asshole. You don't get treats when you owe the IRS three years. You owe money.

[B]

It goes.

[A]

Every time you talk. Right now you're just literally getting Cha Ching on the show. So, like, I don't give a. I don't give a. Shut up. There is no excuse for gambling when you owe the IRS money for three years of taxes.

[B]

I only go to Vegas once a year. It was just a little treat, dude.

[A]

I swear there. It's. It's your. Everything I say is just bounced off of you to somewhere else. I don't know what happens. You don't acknowledge anything I say Edge Cart who? I don't understand why you're on the show. Dockside Diner. Hilton. Well, you're getting some bullshit. Hilton bullshit to Hilton Road, Skin Nugget Market. Canopy. Went out there somewhere. Amazon Wax bar Salon, Galleria Junior Hungary, Root Hertz, Car Fah Something. Canopy Hotels. McDonald's, Blanco, Arco Terribles Resort and Spy. Delta Air and well, Whole Foods can be okay. Yeah, I mean, interest is here. 1500. And total fees is, I believe over what the annual fee is. I think you may have had some late fees this year. No. Yeah, 30% interest rate. Pull up your Amazon and start a screen recording.

[B]

It's not that bad actually.

[A]

By the way, instead of stopping at the store and getting some bull like she endlessly does. Try it here. Are you an energy drink person?

[B]

Yeah, I'm a coffee. I'm a coffee girly.

[A]

Okay, wait. This is essentially like these free samples which you guys can get free samples. Code caleb@gamersubs gg.com or gamerstubs gg or link in the description below. But 25 cents a servings for your energy drink. When you make it for yourself, it's like making your coffee home instead of going to Starbucks. Stop going inside. 10% off. No more stopping and getting 10% off. Link in the description below. Get your free samples as well.

[B]

A lot of those things are needs, not wants.

[A]

Love when you interrupt me endlessly. Okay. Paper towels. That's okay. A necklace. Bull. Don't need it. Yeah, you just purchased a ton. Well, it's bananas. A pop mart. Bull.

[B]

It's for my sister for Christmas.

[A]

Don't need water bottles. Again if we're buying a book. What?

[B]

I live on the third floor. I have to get water delivered.

[A]

Huh? You can't have a breada.

[B]

No.

[A]

What?

[B]

Those are gross.

[A]

Oh my God. You are just the worst beast ever. Shoes. I guarantee you had them. Lotion. That's not the worst toilet paper. Okay. Vanilla Italian coconut body lotion. Fine. You didn't need strips of sticky right now. Trash bags. You didn't need wireless outdoor camera. You didn't need it right now. You didn't need the ring camera right now.

[B]

No, I didn't.

[A]

You didn't need the palette. You didn't need the wooden artist palette.

[B]

It was for a photo shoot.

[A]

Exactly. You didn't need it.

[B]

It was artsy.

[A]

Squeeze bottle. Didn't need it. I assume you had sheets. You didn't probably need that. Paint colors. You definitely don't need plastic paper plates. When you have plates that you wash, you Cannot afford this life.

[B]

No, because I travel. You can't afford this life. I don't want to do dishes.

[A]

Shut the up. Portable selfie lighting kit probably makes sense with your thing. You don't need a cell phone stand. Another selfie kit. So I don't know why we need twice health and fitness mini stepper maybe just don't take the elevator. Vinyl gloves. I don't know if we 100 need that under eye patches. I mean come on. What are we doing? Plastic flavors for kids. Party flavors for kids. Whole Foods Market yogurt. I mean come on, it was like 50. 50.

[B]

Yeah, 50 50.

[A]

Yeah but 5050 when 50% of it should be going to the IRS or paying off cars so you don't have debt. Listen, as a business owner you want about a 12 month reserve as an emergency fund because business is about harder. Business is harder. And if any debt I. Shut up. Will you seriously, actually seriously be quiet. Like you are so annoying. You are incapable. Just shut up. Guys, just real quick. Don't forget to take your Hammer Financial score@caleb hammer.com See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. Caleb hammer.com 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 25 cents a serving. And honestly it literally tast 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 gamer. Literally. The cherry 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 having any debt while being a business owner and not having an emergency fund is so much risk over your head. Pay off your debt, especially IRS that get rid of the risk and get a 12 month emergency fund and. And doing all this while you don't have that is beyond unacceptable. Beyond unacceptable.

[B]

It's coming together.

[A]

Shut up.

[B]

Say the word.

[A]

Come on. That is the same thing. It is. I'm gonna do it. It's coming together. I'm working on it. Shut the. No you're not. It has not come together. There is no indication of anything that is happening to that. No, I mean I. I know you're being worried about being evicted in February.

[B]

Well, yeah.

[A]

Well, yeah, tell me about it.

[B]

Because my apartment's like rent controlled and I, I make too much.

[A]

Good.

[B]

So.

[A]

Good. First of all, Sacramento's for enacting a policy that's performative and sounds really good, but just makes housing more expensive for 98% of the population and discourages building. Not that Sacramento has good zoning anyway. Failed state completely when it comes to zoning. At least they finally passed the law to build up zone near transit. Not that they're going to enforce crime near the transit anyway. So no one's going to use it regardless. And then you, you're the one in rent controlled. You. What a piece. I'm glad rent's more expensive for 98% of the population in Sacramento. So you six figures can have a rent control department when I, when you started, but you've been doing well for three years, so set the upper.

[B]

Yeah, that's why I have a plan. I'm gonna move to San Diego and I'm not gonna keep taking advantage of the rent control department.

[A]

They should kick you out two years ago.

[B]

No.

[A]

Yes. Yes.

[B]

Well, they just asked for my being.

[A]

Subsidized by everyone having to pay more rent. Also performative people can say, oh, rent control. Because it sounds really good, it feels really good. It never works. There's not a single the city in this world that has enacted rent controlled policies. And rent did not only go up.

[B]

The contract is I can make up to 100% more than I made when I moved in.

[A]

Okay, well, your rent's going to be about double from the averages we pulled.

[B]

When I moved into the apartment. I was only making like 35. Yes, when you moved in.

[A]

You've been doing well since then.

[B]

But I could make 100% more. But now I passed that so I could make up to 60,000 a year. So it hasn't been that long.

[A]

This is so stupid. It's such a flawed, moronic system when we should actually be taking care of people who need it instead of people like you. It's disgusting. And then we punish everyone else for it just so people on Tick Tock can feel good about having a performative position instead of something that actually has end results that help people.

[B]

I needed it when I moved in and I.

[A]

When you moved in. You don't need it now. And I made it a year ago. You didn't need it two years ago.

[B]

But I'm paying it forward by donating to PBS and the fire station.

[A]

There's no argument that will ever Be effective to you. Because then you just repeat what you've already said.

[B]

I know I'm taking advantage of them, but I'm paying it forward by like.

[A]

Yeah, but your argument is, well, I need it at the time. No one. No one discounts that. No one discounts that. But you didn't need it a year ago, you did it two years ago. You don't need it now. You shouldn't have.

[B]

Saving money to move.

[A]

Yeah. You're saving so much. Shut the up. PayPal. It's endless. Uber, Uber, Uber. Apple Services. Apple. Uber, Uber, Uber, Uber. Door dash. Great. Hey, guys. She needs rent control and then she's door dashing, going out to eat every single day of her life. Thank goodness we all pay more. More expensive housing because your failed policy. Uber eats endlessly. Ubering, Ubering, Ubering endlessly. Door dash. Door dash. Apple services. Uber, Uber, Uber, Uber, Uber. Door dash. Door dash. Tik tok shop. But hey, we're subsidizing a rent with us paying all more expensive rents. You know, it gets passed on somewhere. Certainly doesn't go away magically. Buffy. Door dash. Oh, good. I'm so glad we're taking care of you. So glad we're taking care of you and just supporting your travels. Supporting your travels by subsidizing Uber from the airport. You're a joke. Joke. You're a joke on society. Unless Ubers. Spotify. Uber, doordash. Uber doordash. Doordash. Ship station. Ship station. Those are probably okay. Or Uber, Uber up. Jelly cat. Tick tock. Apple flood desk.

[B]

Uber Jelly Cat was for my sister.

[A]

Okay. That's really good. I'm so glad. I'm so glad I have that knowledge.

[B]

You threw my jelly.

[A]

I feel so informed. I feel so good. This is wonderful.

[B]

You threw my.

[A]

Shut the up. You've paid fees. $216 a year to date for your PayPal, by the way, so you.

[B]

There's fees on people.

[A]

There's payees on PayPal.

[B]

Yeah, look at that.

[A]

It's because they probably don't have enough money in there. You don't pay on time or you don't have enough or whatever. The endless Ubers. Endless Ubers, Apple Services. You're the worst person that's ever existed in the history of my life. PayPal, PayPal. Uber, Uber, DoorDash. Doordash. This is. This is endless.

[B]

I stopped doordashing. I'm not.

[A]

You stopped doordashing the day before coming on the show. Shut the up. That's not how this works. That is another whack. Okay, listen. Yeah, well, we all stop doing things immediately. Yep. Charge back. There you go. 50 bucks. Why do you think you get fees? There it is. You don't have enough money. Endless door dashings. Endless Uberings. Endless. Shut the Sheen, Sheen. Dumb Apple bills. Pull up your phone. Pull up your phone. Pull up your phone. I don't want to hear you talk. Pull up your phone. Pull up your phone. I don't want to hear you talk. I don't even want to hear your voice. In fact, I wish I could just. Unfortunately, if I mute your mic, I still hear you, and I'm the one dealing with it.

[B]

So what do you want me to pull up?

[A]

Give me your phone. Okay. She has Apple Care. Oh. What? It looks like it's paid annually. That's good. On her MacBook. That's fine. So my calf cut. You really need cap cut. You don't have anything else? And then Instagram meta verified twice. You have two meta verified.

[B]

Yeah, I don't want to lose my account.

[A]

You have two?

[B]

Yeah, I have two accounts.

[A]

Use one. No, don't be verified on the one. That doesn't matter.

[B]

They both matter.

[A]

And then a aesthetic photo shoot thing. Guys, that's what. That's what. You're paying your photographer so much for her $40 subscription to be able to make her photo shoots aesthetic.

[B]

Just on my cell phone post. I have lightroom. So anyway, I had to buy a new computer because.

[A]

So anyway. Shut the up. You have a Nissan. It looks like.

[B]

Yeah, just a little baby. Sorry, I'm not supposed to say little, huh? Just a little car.

[A]

You know that wasn't what I was talking about.

[B]

I know.

[A]

It was you calling yourself little you.

[B]

You see, I'm.

[A]

She's incapable of processing information.

[B]

I'm trying to be funny.

[A]

You're not. You're literally the. No. I don't think there's a single person that will find you funny or cute in this episode.

[B]

No, I think you want to laugh anyway. It's just a little car. It's not.

[A]

Here's the thing. When a guest is actually genuinely funny, you hear laughter in the room. There has not been one piece of laughter from anything you've said this entire episode.

[B]

I think they're scared.

[A]

No, no. They laugh so easily. They laugh so easily when a guest says something funny. You are not funny. You are not cute. You are not a good person. You're horrible. You're disgusting. You're a beast.

[B]

Because they're scared.

[A]

Shut the up. What are they scared of? What are you gonna pull Out a gun. So what are they scared of?

[B]

They don't want you to be more.

[A]

Mad, but you laugh. I don't care if they laugh. They laugh all the time. I don't give a. They laugh endlessly. If I cared, they would. I would. They would see me carrying every episode when they laugh anyway. They don't laugh.

[B]

My car is not a big deal. It's just a little small car.

[A]

Huh?

[B]

It's not a big deal. It's just a little small car. I think it's, like, almost paid off. Almost. Probably.

[A]

Congratulations on being one of the most hated guests on the show history, because I know for a fact right now they hate you.

[B]

I've. I've seen. I've seen some that are questionable.

[A]

You don't think you're gonna line up there? Your personality is horrendous. You don't think so? No one ever thinks theirs is. No.195amonth. Balance 2796.29. So, yes. You're nearing the end.

[B]

Yeah. Not terrible.

[A]

It's not the worst for your income. But I'm being told you want to buy a new car anyway.

[B]

Well, yeah, When I move to San Diego, I want to, like, go into San Diego, like a fresh slate. So have a new car.

[A]

Why does that matter?

[B]

My car doesn't get parked at my house now because there's not parking. So I can't get a new car now. I have to wait till I have parking at my house. So that'll be, like, my treat to myself when I move.

[A]

Oh, treat to yourself. A car. How much is a car gonna be while you're in IRS debt and credit card debt?

[B]

Well, this is only 100.

[A]

195Amonth, you actual idiot. How much will a new car be for you?

[B]

Like, the same, right? This was only, like 5,000, so I don't know. A new car, probably. What, 10,000?

[A]

You're not getting a new car for 10,000.

[B]

I've never had a new car. Like, I've never had a new couch. And then, like, once I get a new car, it'll last me, like, 10 years, right? It's an investment.

[A]

Die. Just taking everything in my power not to kick you the off. You have no idea. You have no idea. You have no idea.

[B]

So I'm gonna get a new car when I move to San Diego.

[A]

So proud.

[B]

Right this second. In February. Before February.

[A]

So much paperwork left. But I don't see. Is that the end of the deck?

[B]

That's. This is my main card. That's not a credit.

[A]

It's not a credit. That is correct. Yeah. You have endless accounts in here. You have a main account, a main savings, a manifest account, which is that shows really how you are.

[B]

My San Diego fund.

[A]

Yeah. San Diego comes before irs. IRS literally take everything away from her, including her apartment. Please, please. I'm not even kidding. Like they. They should take everything from you. One of those is you deserve none of this.

[B]

One of those.

[A]

Look what you're choosing to do while you owe them money. It's disgusting.

[B]

Emergency fund.

[A]

It is disgusting Money.

[B]

You preach emergency fund.

[A]

When do I preach it?

[B]

I don't know. You tell people. Okay, see, you're fighting what you want.

[A]

To hear and then nothing beyond that. So I say a one month emergency fund, Right? Or highest deductible, the money guy rule.

[B]

I have that.

[A]

And then you pay off all your debt. Yeah. You wouldn't have a San Diego fund. You absolute creature.

[B]

One of those is an IRS account. She.

[A]

She can't process information.

[B]

No. One of those is for the irs.

[A]

Hey, hey.

[B]

Yes.

[A]

Take the mic. Push it away from your mouth. I'm not joking. Push it away from your mouth. More, more. All the way until it's on the other side.

[B]

That's not fun.

[A]

Other side. Go, go. Keep going. You are no longer involved in this episode. I don't want to hear from you. I am not joking. I will not acknowledge anything you say. You do not exist anymore. I am just going through these documents now. You are an obnoxious person who is incapable of listening to anything. And I'm just trying to get through this. If I have a question, then I will allow you to pull the mic close to your face. You're done. You're done. And nothing in my plan, or money guy plan or Ramsey plan or any other plan that exists out there say, have a San Diego fund. Will you do all that? So across everything, you have about 6,000 sitting in there, which is unacceptable when you owe the IRS money. One month emergency fund. Sure, I get that. And then in this first account, it's a blacked out, but I think this is the main account. You're getting Bakery, Dutch Bros. Parking. Going in and getting some concessions. Looks like you withdraw from square, but I don't know. PayPal Coffee. The well, going in and getting some bull. PayPal, Office Depot, H and M Lyft, Cafe Zupas. Going in and getting some bull. Probably PayPal quilted bear, American Eagle, Labra coffee. Going in some bull. Venmoing out. 400 bucks in and out. Victoria's Secret Culver's Quick Quack Cuppies, Swig Best Buy, CF United News Shop, Olive Garden, Chipotle Urban Outfitters, Marshalls, Lyft Rose Tea lounge venmoing out 300 hours chocolate fish, PayPal, Sunhouse Cafe, Lyft Scooter Ride concessions, Elsa's Burke Estella Bakery Coffee. God, I think going out to eat Something Association. Something Association. Yolo County, Roseau's Conic Funnel Conch Chicken Rancho Camilla Coffee, PayPal, Chick fil a Sips Scoops Jamba Juice Fills Coffee Big O Tires. Okay, that one could be fair. Pete's Coffee Nugget market withdraw for 300 was rejected in her checking account. And then she had an immediate pull from her car payment fund. You're what an absolute joke you are. I? You don't exist. Shut the upper up. You went and got some butterscotch open. AI Chat GPT. Yeah, I really need that for photography. Penny Cream Creamery, American Eagle, Chick Fil A Mad Yolks, coffee roast lids. PayPal, PayPal.

[B]

PayPal.

[A]

Withdrawal 500 was rejected immediately. Had to come in from PayPal. Money pulled in, then went out $50. Sacramento Airport Shop, Van Leeuwen, Addo's Hotel, beyond the Butcher. Yo gabba gabba. PayPal, PayPal, PayPal, PayPal, chick fil a Univision, Sacramento Fair. I don't know. La La Land, Lyft, Lyft, Amazon Bay Range, Chase. Oh, it looks like you went to a restaurant all that. Well, she owes the IRS money. This is unacceptable. Go take her car. Go take her new car. Take her apartment, take everything she owns. This is unacceptable and unfair that the rest of us go out there, we pay our. And we do all this and she spends all her money on bull while she sits there and refuses to pay on her taxes. It is disgusting and unacceptable this society that we live in.

[B]

Off.

[A]

You're a disgusting animal. You're disgusting. On this account went down from $823 to 680 because you can't manage this one closed at 2000. It shouldn't. This is the manifest you put the manifesto Is that pain off the irs. You do not get to move to a more expensive city and tell you at Capella University.

[B]

Learning online doesn't mean learning alone. You'll get support from people who care about your success, like your enrollment specialist who gets to know you and the goals you'd like to achieve. You'll also get a designated academic coach who's with you throughout your entire program. Plus, career coaches are available to help you navigate Your professional goals. A different future is closer than you think with Capella University. Learn more at Capella. Edu.

[A]

Pay it off. 252, down for 400 on this performance savings. So you're a good joke savings account. Golden savings, $57, down from 117. We're really, really doing so well here. See, we have these different accounts. I would keep things separate. It's quite easy to do. You just have to set it up and it takes a little bit of time. Fidelity $2,399. Just. This is your traditional IRA. Okay. You're just in target date funds. Looks like those are pretty good. Well, yeah, mostly. A little bit of S P 500 select brokerage investment. Okay, whatever. Nothing too crazy. Nothing to freak out about. Okay. Pull the mic close again. I had an a couple minutes where I didn't have to hear from you, so I feel a little rebounded a little better. Okay, let's. Checking accounts. Why don't you have multiple. Yeah, why don't you separate your business and personal then?

[B]

Well, that's what I was trying to do.

[A]

Where was the try? Because everything was a mess across all credit cards and business, so. And checking accounts. So what do you mean you're trying again? This is. You're doing that thing where I give a kind of pushback and you're saying, well, I'm trying to. No, you're not. There was no indication of. Tell me what's actually happening and why you're not doing it.

[B]

I split all the your money into different accounts so that it wouldn't bounce. But if it's like I just keep swiping, it's the issue.

[A]

Well, stop.

[B]

I like things.

[A]

I like things too. If I can't afford it, I don't do it. Crazy how that works. Have a little bit of discipline being a adult. Use the dollar wise app. See where your money is going. I mean, I'll tell you right now, it's pretty much miscellaneous. Bull loan is $4,000 going out to you was a thousand five hundred dollars.

[B]

I travel a lot.

[A]

I know, but you can do it better and more disciplined and more on a budget. You can.

[B]

I like trying like the nice.

[A]

I know what you like. I don't give a. Again, what you like does not matter. If you want to retire at some point, if you want to have security at some point, if you want to move to San Diego at some point, if you want to get a new car at some point, those things need to supersede your wants of the quick swipes. Okay? Because what you're doing is prioritizing your quick swipes over any and all of this right now. That is what you are choosing to do. That is what you prefer right now. Other than any of those goals. You're gonna need more than $2,000 substantially to move to San Diego. You're gonna need like first month, last month security deposit, all this, and then you're gonna do the moving costs. You're gonna want new furniture, you're gonna want a new car. This manifest fund's gonna need to be like $20,000.

[B]

So should I put the San Diego fund to the irs?

[A]

Yes. Oh, wow. You listen to something.

[B]

Okay.

[A]

For the first time. What is that? An hour and 24 minutes and 32 seconds in, she listened to something actually processed and something positive came out the other side. Huh. Thought you have a semblance of being able to actually make that brain.

[B]

Serious question.

[A]

So how do I should be this whole time?

[B]

Because I have to. Because I can't keep taking advantage of the apartment.

[A]

Yeah, but you can move in Sacramento. We looked at the median rents. You can, you can. You do not have to do a year. No, you don't want to.

[B]

My packages keep getting.

[A]

I don't keep up about. Want.

[B]

My packages keep getting.

[A]

Yeah. Welcome to California. You're gonna face that everywhere. No, California doesn't and doesn't prosecute criminals. Low crime criminals, like, they just don't listen. And I. There. There's a. There's abundance Democrats out there that want to. They want to start. But it is.

[B]

It is valid reason though. Here, hear me out. Hear me out. I make more money in SoCal. That's valid. So I would travel.

[A]

Why you say everything you do is travel. You don't do local.

[B]

Yeah, because Sacramento doesn't have money. People don't spend money on photo shoots in Sacramento. So theoretically, it's double, though from what we've pulled.

[A]

This is going to be brutal.

[B]

I make. I would make double.

[A]

I don't think so. Double. Double's hard. San Diego has money, but you're working every. Constantly.

[B]

One of my cities is San Diego.

[A]

Why does that have to be San Diego? Because if you are a big flyer, it's not like the. One of the biggest airports in the world. Well, Sacramento, but I mean, I looked.

[B]

At other cities, but San Diego seems fun because it's by the beach and it's closer.

[A]

There it is. That's it. Come on, let's be honest. That's it.

[B]

It's closer to my sister.

[A]

Good. That's Still a wand. I'm sorry. I'm not saying you can't do it. I'm saying give it a year.

[B]

We'll think about it. Okay, but if I just move to. Isn't it just like removing to another place? If I'm gonna move, it's gonna be moving expenses.

[A]

You need first month, last month still. And rent is more expensive there, so that gets harder.

[B]

Versus just like moving in Sacramento.

[A]

Yes, because rent is cheaper. So first month, last month in security deposit would be less. Please, please tell me you understand that.

[B]

I do.

[A]

That is not a difficult thing to comprehend.

[B]

I do, but I'm going to make more.

[A]

Listen, the thing is, maybe that's true. I don't think you're able to prove that though, because you still don't even know your numbers. You don't know what your business costs. You don't understand anything. I can't take that as you have no credibility behind anything you say for how your business will operate in any area. You have no credibility. There might be more people willing to pay there locally than locally in Sacramento, but that's all you got. You can't tell me numbers. You can't tell me frequency. You can't tell me what you'd be saving. You can't tell me anything because you don't know your numbers. And we're not gonna be able to get your numbers.

[B]

They're somewhere in here.

[A]

Okay, travel is 3933. So are we saying it's 4000 hours of. For. To make 12, you have to spend four on travel. That's travel. That's not food. That's literally just.

[B]

I don't have to.

[A]

Okay, so what can we bring it down from? From four. That's just travel. That's not eating. That's just travel. What can you bring it down from? From four. Well, I could answer the question.

[B]

I could get cheaper hotels.

[A]

Okay, what do you think that saves?

[B]

Probably a lot.

[A]

10, 25.50. What are we talking?

[B]

I don't know. Yeah, 20%.

[A]

Okay.

[B]

I don't always need rental cars.

[A]

So let's pretend of the four you.

[B]

Spent, I didn't get a rental car.

[A]

Here and now becomes 3200. So let's try to budget this in. If you make a $12,000 a month, which is not. Okay, what's the. What's the. What's the ratio of that means? Times point 77, that means. Sorry. So five, seven thousand. Hold on, hold on.

[B]

See, this is how I feel.

[A]

Quiet. Okay, if you make 10 and you spend traditionally 33% on travel. That would be 3,300. But we can cut it by 20%. So times eight, we can get your travel on an average of a 10% month. And listen, I. I don't even know how 100 accurate this is because again, you don't know your. This isn't perfect, but we call 10,000 as income. Let's do. Let's see. Other large travel. We put that at 2,640 because you cut back and listen. Okay, I'm gonna do 300 for. Let's grocery. It's gonna be more expensive because you're traveling a lot. But let's just cap your food budget 700. Let's call that in the food expense. You're still going. Go there.

[B]

Shh.

[A]

Go there. Go to grocery stores. Go, go. I'm. You, you. I'm going 500. Go there. Go to grocery stores. You're not going out to eat for a while while you're traveling.

[B]

The issue is I like grocery stores a little too much.

[A]

Okay, well, you're going in with a budget. You're deciding exactly what you're doing. You're only spending 500. If you tell me, Tell. Tell me. You. Yes, it would be 300, but I'm going to give you a little leniency for the travel.

[B]

I spent like 175 a week. Okay.

[A]

This is your project. You can do it. We've proven it. Follow the meal plan, Follow that.

[B]

Got it.

[A]

Tell me you can't do it and I will rip this up and kick you the off because I know you can do it.

[B]

I understand. We're on the same page.

[A]

I know what you want to do. This is what you will do.

[B]

Okay? We're on the same page now.

[A]

Fucking takes you about 20 minutes to get on the same page somehow. I don't know why you. I really don't. Your listening capabilities are so horrible. Minimum the debt payment. $729.75. Okay. Business expenses outside of travel. Now. What are we talking? Equipment? How often do you have to do this?

[B]

I don't know. I probably spend like 200amonth.

[A]

Okay. On all business extras outside of travel. Is that what you're saying? 200?

[B]

Yeah, sure.

[A]

Including subscriptions. Let's call subscriptions an extra 100. Okay.

[B]

Yeah.

[A]

Medical. What's your. How are you doing health insurance?

[B]

I'm not.

[A]

Okay, well, do. I'm putting that in at 400 bucks.

[B]

I think I make too much to have health insurance.

[A]

Oh my goodness. You are. Actually, I'm sorry, no coverage. Yes, for government subsidized. You actual beast. You can go purchase health insurance.

[B]

They quoted.

[A]

Hey, guys, if you make too much money, you die at the hospital. You go just shop. Any health insurance. What you are looking for?

[B]

Yeah.

[A]

For a second I would need you to listen. What you are looking for, you're not shopping through California. You're shopping through just health insurance. Okay. You are looking for catastrophic coverage so you don't go bankrupt if something really bad happens.

[B]

Yes.

[A]

So 400 bucks I'm putting in there.

[B]

They quoted me 697.

[A]

I'm saying for catastrophic. You're not looking around. Soul TP fund. $100. Anything else you need gas from. From Drive Drive. Not that much probably. Right?

[B]

No, I don't.

[A]

Okay, well, 50 bucks. 100 bucks.

[B]

Yeah, 100.

[A]

Okay, 100 bucks. What's your car insurance?

[B]

Oh, 2.95 maybe. I don't know.

[A]

Okay.

[B]

Something like that.

[A]

What's your rent? It's gonna be ending in February, but.

[B]

For now, I don't know.

[A]

What is this paper say?

[B]

What does the paper say?

[A]

Dude, you. So you don't know your rent?

[B]

I just write a check and hope it works.

[A]

Okay. All right, I'm done. Let's go to the Post Show. Ladies and gentlemen, that this is absolutely. What a pathetic. What a pathetic existence. What a pathetic person. We're moving on to the Post Show. I have to do another 20 minutes, just like every other episode. But we'll continue the conversation there. I'm done with this and I need a break. And I hope you guys understand that and respect it because this is horrible and you are horrible. And I don't know how you exist and how people deal with you. Click that join button. Get three premium shows every single day, Monday through Friday. A lot of extra financial. A lot of stuff. Like an extra 20 minutes of this show. You were smart enough to start a business and then it all up.

[B]

We're working on it. Do you.

[A]

I lost it.

[B]

It's behind you.

[A]

There is something wrong with you.

[B]

I don't get a budget.

[A]

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