The Most Racist Woman On Financial Audit

Summary

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Financial Audit with Caleb Hammer

Episode: "The Most Racist Woman On Financial Audit"

Date: November 14, 2025
Guest: Stephanie (41, San Antonio, Texas)

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Episode Overview

This episode of Financial Audit takes an especially provocative turn, featuring Stephanie, a 41-year-old swim instructor from San Antonio. The discussion weaves through her complex financial situation—marked by seasonal income, debt cycles, and heavy reliance on her parents—as well as her highly controversial, often racially charged worldviews. The episode is both shocking and revealing, offering a raw look at how personal beliefs and instability can intertwine with financial distress.

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Key Discussion Points & Insights

1. Stephanie’s Background & Work

• Profession: Worked for 20 years as a swim instructor/coach, mostly May–October, specializing in fearful students and children with special needs.
• Income Dynamics: Summer peak: ~$6,000/month, rest of year: ~$1,500/month (often pieced together from gig work, cleaning, etc.)
• Work Burnout: Admits to emotional exhaustion after years of stressful teaching.

  “I’m so burnt out from wrestling spurgs that like, I need a break, dude.” (16:36)

• Side Hustles: Takes on organizing gigs but struggles to find new work outside her usual niche.

2. Household Structure and Legal Crisis

• Marital Status: Married 10 years to Fox (37), who's currently serving an 18-month federal prison sentence for human smuggling (“internally” moving illegal immigrants between Texas cities for $4,000).
• Background Paradox: She and her husband are vocally anti-illegal immigration, yet Fox smuggled migrants for cash.

  “We hate illegals, but my husband suggested smuggling them, and so now we’ve got to figure this out.” (04:46)

• Racial Identities: Fox is biracial (half Black/half white), raised Black but feels outcast by both Black and white communities; both regularly use racial slurs privately.

  “Oh, all the time. Like, on the daily.” (07:07, on “dropping the hard R” N-word)

• Prison Life: Fox declined to join racial groups (“cars”) in prison, riding as “independent.” Stephanie shares darkly comic observations about prison racial dynamics.

3. Personal Beliefs & Cultural Commentary

• Political Identity: Describes self as "moderate," but embraces far-right positions on illegal immigration and social safety nets.
  • Claims to have shifted views after seeing the “woke” left become dominant around 2016.
  • Expresses nostalgia for her past as an “ex-hippie,” attending Rainbow Gatherings, etc., contrasting with her current stances.
• Race and Prejudice: Regularly generalizes and stereotypes, interjecting Black, Hispanic, and, later, Middle Eastern communities with sweeping judgments—often rationalizing or disclaiming her remarks with “I have Black friends/my husband’s Black/ex was Mexican.”

  “I only hate the dirty ones." (40:57, about Mexicans) “If you’re acting like a hard R, I don’t care what race you are, you’re acting like a hard R.” (46:02)

• Class & Environment: Laments living in a crime-ridden, predominantly Hispanic neighborhood but admits her parents bought her house and still help with expenses.

4. Financial Situation Audit

• Income: Seasonal—peaks in summer, drops drastically out of season.
• Debt: Multiple credit cards, car loan, ~$14k medical debt, $45k in federal student loans. Regularly cycles debt—pays down in summer, racks up in winter.
  • Multiple late fees on various accounts throughout the year.
  • No savings; expects to lean on tax returns and parental bailouts.
  • Fox’s felony makes future employment uncertain.
• Spending Patterns: Spends on Amazon, children’s needs, some luxuries, and pet care, despite acknowledged tight budget.
• Living Situation: Owns house paid for by parents; pays no rent or deferred rent; parents also pay for some utilities and phone.
• Budgeting: Admits to “flying by the seat of my pants” month-to-month.
• Food Budgets: Shops at HEB, avoids Walmart, estimates $400–$600/month.
• Pet Ownership: Dog, cats, snake, fish, chickens—no pet insurance; plans to use credit cards for emergencies.
• Failings Identified: Lack of sustainable, year-round income; overreliance on credit and family; no plan for long-term stability.

5. Infamous Quotes & “Ranking Mexicans” Segment

• Stephanie’s Racial Criteria:

  “There are levels of Mexican... there’s the car shop that’s definitely half illegals, where they sell drugs out... That is—okay, pause.” (32:34)

• Host’s Satirical Set-up: Caleb orchestrates a parody “ranking” of staffers to highlight the absurdity of her stereotyping.
  • Stephanie quizzes the “Mexicans” on adherence to stereotypes (speaking Spanish, changing a tire, marital status).
  • Segment underlines the episode’s provocative, often uncomfortable humor.

6. Parenting, Upbringing, and Social Benefits

• Parenting Style: Not “gentle parenting”—sees discipline as essential.

  “God, no. Like, basically... Black people, they will get on their kids. The crazy black people...” (43:35)

• Social Programs: Recently off food stamps; ashamed to require assistance but sees others as “abusing the system.”

  “Don’t let anyone know what an embarrassment, what an embarrassment that I am on it.” (49:16)

• Kids’ Awareness: Children know about father’s imprisonment; told to expect teasing if they share with classmates.

7. Financial Coaching and Recommendations

• Caleb’s Guidance:
  • Urges Stephanie to prioritize essentials over debt payments (utilities, food, etc.)
  • Recommends using her free Course Careers certification for job training.
  • Points out cycle of debt and spending, noting the “moon cycle” of paying off and building up credit balances.
  • Critiques reliance on family and lack of personal accountability.
  • Warns against expectations of future inheritances as a backup plan.
• Hammer Financial Score:
  • Spending/Budget: 0/10 (“overspent”)
  • Debt: 1/10 (medical almost in collections, multiple late fees)
  • Emergency Fund/Retirement/Real Estate: All 0/10

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Notable Quotes & Memorable Moments

• Early Contradiction:

  “We hate illegals, but my husband suggested smuggling them, and so now we’ve got to figure this out.” (04:46)

• N-word Usage:

  A: "How often do you drop the hard R?"
  B: "Oh, all the time. Like, on the daily." (07:05)

• Fox’s Prison Logic:

  “Black daddy's in jail. Who knew? Yes, which we've joked about regularly.” (09:28)

• Racial Humor—Mexican Ranking:

  A: "Rank from the worst Mexican to the best Mexican… ask a few questions…" (33:44+)
  B: “There are levels of Mexican.” (32:47)

• Self-Awareness:

  “I want to make money for my kids.” (92:57)
  “It’s embarrassing.” (80:31, about parental bailouts)

• Cultural Hypocrisy:

  “You seem like the furthest left person ever. But then you have positions from the right as well. You are hard to place into it all.” (23:44)

• Stephanie’s Racial Score:

  A: "What’s your racist score, zero to ten?"
  B: "Oh, I’m only like a three, maybe." (42:23)

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Important Timestamps

| Timestamp | Segment/Topic | |-----------|------------------------------------------------| | 01:37 | Stephanie’s work history and burnout | | 04:46 | Introduction to illegal immigration/smuggling | | 07:05 | Casual discussion of using racial slurs | | 09:28 | Husband’s imprisonment and prison “cars” | | 16:36 | Burnout from swim teaching | | 25:07 | Black Lives Matter, COVID, "woke" fallout | | 32:24 | "I live in the ghetto..." & Mexican stereotypes| | 33:44 | Host parodies "ranking Mexicans" | | 41:36 | "I’m not racist… Taco Tuesday…" | | 43:35 | Parenting philosophies by race | | 49:16 | Shame about food stamps, views on welfare | | 66:08 | Pet ownership, lack of insurance | | 67:22 | Credit card/holiday shopping cycles | | 82:26 | Overdrafts and end of current debts | | 92:57 | Stephanie’s desperation to provide for kids |

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Overall Tone and Language

• The tone alternates between shock humor, combative honesty, and vulnerable admissions.
• Caleb’s style remains skeptical, sarcastic, and sometimes performative—probing contradictions, offering tough love, and occasionally matching Stephanie’s dark humor.
• Stephanie herself is blunt, frequently self-deprecating but also unapologetically expresses beliefs many would consider offensive.
• The conversation feels raw and unfiltered, bordering on chaotic but always circling back to the consequences of instability—financial, emotional, and societal.

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In Summary

Stephanie’s audit is a whirlwind of financial missteps, personal and family crisis, and deeply controversial opinions. The episode’s appeal lies in its unvarnished presentation: the contradictions of someone “too left to be right, too right to be left,” the reality of middle-aged financial floundering, and the visible impact of long-term instability. For listeners, it’s confronting, uncomfortable—at times darkly funny—and, ultimately, a cautionary tale of how unresolved personal issues, lack of planning, and ideological rigidity can sabotage financial (and personal) wellbeing.

The episode also serves as a striking reminder that financial literacy isn’t just about numbers—it's about honesty, self-awareness, and the willingness to break cycles, both in budgeting and worldview.

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[End of summary. For further details or the wild post-show follow-up, check out Hammer Elite.]

Transcript

[A]

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

[B]

I'm not racist towards anyone. Now, if you're acting like a hard R, I don't care what race you are, you're acting like a hard R.

[A]

Your black husband is in prison.

[B]

Of course. This has to make sense. Dude, don't act like it doesn't.

[A]

I live in the ghetto and I hate all the Mexicans that work on my car.

[B]

There. Good night.

[A]

You said it, not me.

[B]

Black Lives Matter started happening and everything was going off for a while.

[A]

You know you don't like those.

[B]

No, no.

[A]

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[B]

Hey, my name's Stephanie. I'm 41 years old. I'm from San Antonio, Texas. And this is Financial Audit.

[A]

Yes, it is. Thanks for coming up from San Antonio. I really appreciate that. Listen, a part of me is kind of excited because we never really have people over like mid-30s, you know, it's rare. It's rare. So that's. It's exciting to have someone closer to middle age.

[B]

Good. I'm glad. I fought really hard to get on here. Actually, this is like the third time where you're like, yes, this is the third stabbing people. This is the third time to apply. And if y' all weren't gonna accept me, first I wrote like kind of a thing, then I didn't write anything, Then I wrote like an essay. I was ready give you like a book if you weren't going to let me out.

[A]

Well, I don't see any of them, but I appreciate it. What do you do in San Antonio for a living?

[B]

I am mainly a swim lesson teacher and swim coach. That's a full time gig in the summer? Well, I start in May and I'm still teaching and I don't want to be okay. But I. In the height of the summer, I work 10 hours a day outdoors at an outdoor pool. Outside?

[A]

Yes. Yeah, that's. It's hot down here for people who don't know.

[B]

But you're in the pool. Okay. Standing there like waist deep in like piss water kind of, you know.

[A]

Okay, well, you clearly hate this. Why are you doing?

[B]

I don't. I've done it for 20 years. I really enjoy it. Honestly. I work with. I.

[A]

It does not sound like it.

[B]

Okay, so I've done it for 20 years. I. I work with people who have a lot of like fear and like I help them through their fears and like touch on anxieties. Yeah. I get a lot of people who are super afraid. All ages. So 18 months all the way to adult. And then the past five years I've kind of started specializing with like special needs. So non verbal autistic down syndrome.

[A]

We let them swim.

[B]

Yes. Autistic kids actually love swimming.

[A]

I wasn't talking about the autism ones.

[B]

The tism ones are the funnest. And I get the most like, we catch vibes probably cause I'm a little autistic with autistic kids. That's nice. But so I'm emotionally burnt out on it because you can imagine it requires a huge level of patience to like be giving all your energy to someone who's super afraid and like possibly like clawing and like climbing up you. I mean I like physically wrestle with some of them.

[A]

The autistics and the downsies.

[B]

Yeah, the downs.

[A]

Tackling the. Okay, especially the downs.

[B]

We're tackling if they're, if they're super afraid and they don't want to do something. Yes, because we're doing it because it's saving lives people. It's. It's drown proofing people. So. Yes. Yeah.

[A]

Okay.

[B]

And this is.

[A]

Are you even getting paid for this right now? Because it's entering.

[B]

All get paid quite well. I get paid $40 a lesson, so it's like $80 an hour that I make.

[A]

$80 an hour. How many hours a week?

[B]

Well, 40 hours a week.

[A]

Really?

[B]

In the. Well, I start in May and it's usually about.

[A]

When does it end?

[B]

It used to end in August, so in June and July it's definitely 40 hours a week. But then in August and May it was closer to like maybe 20 hours a week. And then during the rest of the year, like I was a stay at home mom or I would just like work like part time. Yes. I have two ages, 8 and 6.

[A]

Is there a father involved in this?

[B]

Yes, my husband.

[A]

Husband?

[B]

Yeah, we've been married for 10 years.

[A]

Oh, we're calling him Fox. Very good. How old is. How old is Fox?

[B]

He's 38 and I'm 41. Yeah, that's right. Okay. Okay.

[A]

So what's going.

[B]

37.

[A]

Sorry, what's going on? You're. Wait, he's 37.

[B]

He's 37. Sorry about that. Yeah.

[A]

So what's going on? What are we talking about?

[B]

So the main issue now, and which is why I was trying to get on before all of this happened, well, we hate illegals, but my husband suggested smuggling them, and so now we've got to figure this out.

[A]

Wait, no. What does that even mean? Okay, I'm assuming we're talking illegal immigration.

[B]

Yes.

[A]

Okay.

[B]

So.

[A]

Okay, you and your husband hate them, but.

[B]

Okay, we're. We're definitely, like, you're gonna. We're definitely. Most people would consider us, like, extremist right wing. I don't know how extreme we actually are, but I don't know. Definitely don't. Well, we definitely don't agree with illegal immigration. And I'm down to, like, ship them back. And I heard something that, like, Trump is trying to pay illegals to, like, go back. I think that's a great idea. I'm not necessarily pro Trump. I'm just saying that I think that's a great idea.

[A]

Trump too far to the left.

[B]

I think he's an independent. I don't consider him a Republican. I think he's an independent, and he's probably controlled by his little handlers, as all of them are. I'm more like, I don't know. There's other people running the show besides him, but we don't need to get into Trump and all of that, like, whatever.

[A]

Well, listen.

[B]

No, no, no.

[A]

I mean, it's interesting because you said some people call me far right, but I don't know if I'd call myself far right.

[B]

To me, I'm more moderate, but nowadays. Well, moderate.

[A]

On what spectrum? Because we've had a lot of far left. It's about time I have a far right.

[B]

I mean, pretty exciting. I mean, my husband's half black, but he's also kind of like, I think white people are better than black people.

[A]

Huh? He says black people are better than black people.

[B]

No, white people are. But he. He doesn't really have a racial home because he's. He's. His mom is white and his dad is black, and he was raised by his dad, who's black. And the only racism he's ever experienced has been actually from black people because he's not black enough, whatever that means.

[A]

Okay.

[B]

Because he talks like some white gamer nerd who's read, like the Warren Report. So he's kind of the weirdest person you'll ever meet.

[A]

Well, answer me this. How often do you drop the hard.

[B]

R. The hard R. Oh, you know, the hard R jokes or what? What is the hard R?

[A]

The N word.

[B]

Oh, all the time. Like on the daily. He is one. He would say that we judge everyone based on their character and not their color, but I can appreciate that.

[A]

But I'm not necessarily dropping hard Rs, though.

[B]

Well, not like to someone's face, but in the privacy of our own home. Yeah.

[A]

And to him.

[B]

Well, yeah, but that's fine.

[A]

Okay. I'm so confused by the. We hate illegal immigrants, so we tried to smuggle them, and that's why we're. And then we're trying to clean things up.

[B]

So he's incredibly confused, too. Basically, this was like a result of money desperation. He has been through a lot of. We can get into if you want. We don't have to. He felt like, if I can just get this big chunk of money, this is gonna make up for all this stuff. Like, we need this. Like, this is gonna help us set on the right foot. Like, at the time, he was just working, like, a janitor job at a church for like $10 an hour. And he's like, if I could just get some money, like, that's gon for so much and all this. These bad things that I've done and so.

[A]

Things that I've done.

[B]

Right. Well, there's been, like, substance abuse stuff and different things. He's just had a lot of.

[A]

Which half of him did that.

[B]

He's had a lot of mental health issues, which he's currently working on. That's good. Yeah. I mean, he's not someone who's like a victim mentality. It's like, no, I did this. I up. And now this sucks. Because he's like, oh, cause of greed. Going to real quick get like 4,000 bucks, and I'm just going to give these people a ride by smuggling. Well, they didn't tell him it was that. And it was through, like, I don't know.

[A]

Wait, wait, this was already done?

[B]

Yeah.

[A]

Wait, this was done? Yes. Oh, hold the on. Tell me, tell me, tell me what happened.

[B]

Because he's in prison right now, which is why he's not here filming.

[A]

Your black husband is in prison?

[B]

Of course. Yeah, yeah. Black daddy's in jail. Who knew? Yes, yes. Which we've joked about regularly.

[A]

Oh, I'm.

[B]

And because in jail, they do it. Well, it's actually federal prison. And because they do it by race, you have to have. Okay. So when you go into the prison, they ask you to be part of a car, which is like, who you ride With. So it's like, who does.

[A]

Who asks you that in prison?

[B]

Yeah. When you're an inmate, all the people come up to you and they're like, hey, dude, like, what. What car do you want to be in? And so it's like the blacks tried to claim him and he was like, no, I'm not. And then the whites were like, well.

[A]

He doesn't like black people.

[B]

Right. Which is why he was like, no, I'm not gonna ride with y'. All. And then like, the whites were like, well, I mean, we're down with you, cuz you're basically a racist. But like, you're black, we can't take you. And. And so he's. The car he's in is called. I think it's like Solana or Solano, which is like, you're independent. And apparently the child molesters have their own car, but they're in their own separated camp.

[A]

And he's not in that.

[B]

He is not in that.

[A]

Well, you can tell everybody each of.

[B]

The cars has their own TV at the prison that they. That they are allowed to watch. So it's like the blacks are all in one corner watching one tv. And then the whites are over here. And the Solanas have the. And I guess the Chun was have their own TV at their own camp which is separated. And then we were joking. It's probably on Disney Channel, because it would be.

[A]

So when did this happen? Operation over the Border.

[B]

He was arrested. Okay, so this was July of 2024. So last year he was arrested on July 3rd.

[A]

So it was during Biden's administration.

[B]

Yes.

[A]

Okay.

[B]

I don't know how the politics of it all plays out, but like, basically he is like. So he's like, what kind of up person am I that I'm gonna go against my own belief system just for like some. Some money? But I guess that's.

[A]

Well, you guys self confessed hate illegal immigrants?

[B]

Well, hate's a strong word. But I mean, I'm. We're very anti illegal immigration. If you wanna move here, great. There's all kinds of legal means to do it. Please do that.

[A]

I think everyone likes the legal route. Yeah, sure.

[B]

Right. So if you're gonna like come illegally over here and be like, oh, no, this is so hard, and they're doing all this mean stuff to me and separating me from my children. It's like, well, you kind of broke the law. That's why is like, yeah, I'm in here and this is my own fault. Like, there. There's no one to Feel sorry for me. Like, this is. This is what I get. Because this was stupid and now I'm here. And so that happened last year. He was in the holding tank for. It was basically four illegal immigrants for two months. He got super sick. He actually developed mrsa. If you don't know what that is, it's like advanced staph infection. Then they were like, well, if he needs medical help, you're gonna have to bail him out. And so he didn't wanna be bailed out. He just wanted to sit there and serve the time. So they bailed him out. I bailed him out for $1,200. She said, okay, I bailed him out for $1,200.

[A]

And.

[B]

And then I had to rush him to emergency services in San Antonio. And then he had emergency surgery that lasted for however long. He got better, he started working, and now he. The sentencing happened in May of this year, and now he went to jail in August.

[A]

For how long is he in jail?

[B]

He's going to be in there probably until this summer. The sentence is 18 months, but it's probably going to be closer to 10 months.

[A]

Okay, that's not.

[B]

Sorry.

[A]

That was oddly not that crazy for enforcing smuggling.

[B]

Well, it's. The charge I think is conspiracy, technically.

[A]

Yeah. I feel like that should be punished a little heavier.

[B]

He didn't cross any borders. So they were already in Texas. And they were going from one Texas city to another Texas city, which I think is.

[A]

So he internally smuggled.

[B]

Yes, but.

[A]

No, no, no. The reason I asked that original question before we went down that and you started explaining your beliefs a little more. I'm saying you hate illegal immigrants. Self confessed, yet he got arrested for smuggling internally.

[B]

Yeah. He went against.

[A]

Makes no sense. And I'm confused. And now we're. Because of that.

[B]

Yep. Yep.

[A]

That doesn't make sense.

[B]

I know.

[A]

That's like the most pro life person offering abortions in their back. Yeah, well, like, that doesn't make any sense.

[B]

I told him not to do it, by the way. This wasn't a secret. Like, he. He told me. And I was like, do not do this. Why are we doing this?

[A]

Your husband, you told him not to. And then he did.

[B]

Yes, yes, yes. So he's like, we just need this money. I'm like, but we don't. It's not that bad. And then he did it anyway. Okay.

[A]

Is his money making opportunities? And I would suggest yes after this. What is it? What does he have felony?

[B]

I told him if this didn't work out, that I get the biggest I told you so of my life. And he's like, deal.

[A]

That doesn't pay the bills.

[B]

I got the biggest I told you so of my Life. Well, you're 100. Correct. He is. He's. He has a permanent felony on his record. It can't be expunged as far as I know. I've looked into it. He's looked into it. He has a federal felony for the rest of his life Now. He was smuggling people. I mean, this. I, I. Hey, he. I don't want any sympathy and neither does he. I want solutions to how to fix this.

[A]

Well, one half of the household not working. One definitely not bringing in money right now other than pennies for maybe in a good way.

[B]

So I was trying to get in before he went in so we could try to make a plan. But that didn't happen.

[A]

So I don't know how we missed you.

[B]

Right.

[A]

That's a flaw in the casting system, I'll tell you that.

[B]

They told me there was some issues. Cause I got ghosted. I was like, going through the process and then I, like, got ghosted. And I was very sad. But I'm here now, so.

[A]

So what was he making? You said like 10 bucks an hour?

[B]

No. Well, okay, so he's an electrician's apprentice. So when he has solid work, which he pretty much has for the past five years now with the felon before that, he's made anywhere from 21 to 24 an hour. Okay. With benefit and.

[A]

Well, with benefits. Now that's going to be interesting to see where he lands after all this is said and done.

[B]

He can still get hours through the Texas trade licensing. I don't think the felony will affect it, but it just depends on what company you're working for. He still hasn't finished his apprenticeship hours. So you need 7,000 hours to take the journeyman's license. And he has 5,500.

[A]

How are you going to pay your bills now that swimming season's coming to a close?

[B]

Swimming lessons in, but it's coming to a close. October.

[A]

It's coming to a close.

[B]

Is it? Yes. Okay, here, here's my.

[A]

You can do some indoor ymca. I don't know.

[B]

I have another pool that I work out of that I can do indoor lessons. But I'm so burnt out from wrestling spurgs that like, I need a break, dude. I could, like, I could cry thinking about it. I'm so drained from all of this. I'm tired of this, grandpa. That's too damn bad. I've been Doing this for way too long.

[A]

Okay, well, yeah, I mean, and now.

[B]

But it's like, okay, well, we've got to pay bills, so, like, do what you got to do. And so that's why I'm still at the pool doing it. Now when November comes, I am going to take a break and I have like some organizing gigs, like through different people, because that's kind of what I usually do during the year is like.

[A]

8 or 10 year old inwards. No little N words.

[B]

No.

[A]

Just wanted to make sure.

[B]

That'd be a bit much, huh? That'd be a bit much.

[A]

That'd be a bit much. Okay.

[B]

Okay.

[A]

So what would you want to do if not tackling down syndrome kids? Do you, like, help once you know someone's an illegal immigrant?

[B]

Like, how would you know that?

[A]

No, no. Once you know someone's like a dreamer, do you, like, just let them drown?

[B]

No one is gonna tell me, hi, I'm here to swim and I'm a dreamer.

[A]

Like, but if you found out.

[B]

No. I mean, no, no, I'm Catholic. We're not allowed to do that. Even if you want to. You're not allowed to do that. Okay.

[A]

Even if you want to. Okay.

[B]

Hey, that's being for real.

[A]

Yeah. No, I appreciate it. I mean, I have a direct quote from your application.

[B]

Oh, boy, here we go.

[A]

Actually, I lost it. It was there for a second, but it was like, every single person on your show's a liberal and I want you to finally have a normal guest.

[B]

Yes.

[A]

You're not that guy, pal. Trust me, you're not that guy.

[B]

Yeah. Yes. I watch a lot. I like, I've seen a lot of episodes. I've even gone to, like, the first, like, some of the first, like, ones, which is kind of neat. You're a little bit younger and it's fun.

[A]

So are you gonna stay with this guy?

[B]

Yeah, 100%.

[A]

Okay.

[B]

Yeah.

[A]

Okay.

[B]

I know this sounds like, oh, well, he's blacked down in prison, but it's like he's.

[A]

That's from you.

[B]

Well.

[A]

Right. I'm not saying that I'm seeing a lower income committed felony.

[B]

He is a great. He's a great dad. He was a great provider. He's. He is 100% dedicated to me and the kids.

[A]

How did he find this job?

[B]

Through some terrible app. I forget what.

[A]

It's an app.

[B]

What's through? WhatsApp.

[A]

Through WhatsApp.

[B]

There's a chain.

[A]

He found a chain.

[B]

Sorry, I'm like, slightly boomer item. The app called whatever that's okay, yes, that's. That is how he got it.

[A]

So what are you bringing in on average on a monthly basis? What can I put down as your income? Especially now? It just headed into the Cold war.

[B]

This is what's insane. So it was at like 1500 per week, and now I don't even know what I'm going to. I have no idea what I'm going to make. Like, I have four jobs where I'm going to be making, like, probably $20 an hour, and I'll probably get, like, at least maybe 40 hours from it. But I'm like, flying by the seat of my pants because, you know, that's another thing. It's like, I've already tried to apply at a bakery I used to work at, and they were like, no. Like, I have all this experience, like, why? And I think I have a pretty good resume.

[A]

When did you work there?

[B]

In 2006. It's been a while.

[A]

And did you call some of the N word when they tried to hand you change?

[B]

No. I'm actually a great cashier because I love shooting the shit people and I'm very friendly.

[A]

Or shooting some of the sketchier ones when they come in.

[B]

I treat everyone equally as I see them.

[A]

As you see them. Okay, now how you see them, That's a question. Okay, so what. So we don't even know what to put for your income right now. No, and I bring an income. We just don't know.

[B]

I also try to go to. Because I will make happen because I've been like this my whole life and I will. I will make it happen. It's not like, oh, I can't find a job, so whatever. Like, no, I will find.

[A]

You have a degree.

[B]

I have 108 credit hours and no degree.

[A]

Okay, credit hours from when?

[B]

From between the years of 2002 to 2014. Okay.

[A]

Well, they're all over 10 years old, so they're not going to be.

[B]

Which is where I be able to be. Before I came last week, I tried to look into this to see if. Okay, is there a few classes I could take to try to get an associates to try to, like, I don't know, at least have that. And I. I actually was going to do the course careers.

[A]

Like, I'll get you one for free.

[B]

Yeah, well, I was going to do it without you. And then I was like, oh, my God, it's 500. Like, what if this doesn't work? Then I've just like, wasted 500 bucks.

[A]

But yeah, I. Yeah, well, it's not a Waste. It's continued education. I just don't want to make.

[B]

I don't want to make another bad decision. Like, I. I want to make sure that whatever I'm, like, moving forward is actually going to, like, pay off. Because if I go to a school and want to study, like, lesbian dance, like, that's amazing. But, babe, you're not a haircut. I think I do look like a lesbian. I really hate my hair right now. Yeah, I had to cut it off because of all the chlorine.

[A]

Oh, that's not good.

[B]

I know. Okay, you can call me a lesbian all you want. It's fine. Thank you.

[A]

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. Y 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 online. 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 even let your poor co signer 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 Y Refi actually picks up and treats you like a real human shocker, right? In 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 yrefi.com hammer or call 889-733-978. That is 889-733-978. 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.

[B]

But yeah, I just want to make sure that, like, going forward, like, I'm not pouring money into something. Because even if it's $500.

[A]

You said another mistake. What was the Mistake that you're saying.

[B]

I don't know dropping out of school. The multiple times that I dropped out.

[A]

Did, but I stayed focused.

[B]

No, no, I was like taking bong rips and like being partying until I was like 30. And then it's like, oh, well now it's interesting.

[A]

You look like hoa lesbian head of hoa. But you just partied, smoked, dropped out, didn't take school seriously. So you seem like the furthest left person ever. But then you have positions from the right as well. You are, you are hard to place into it all.

[B]

You can't. I'm all over the place. I'm an ex hippie. I used to have like dreads and hairy armpits. I've been to like 10 rainbow gatherings. Like I was the most left leaning person you probably ever meet.

[A]

Well changed.

[B]

2016 came and everyone was like, if you don't hate Trump, you're like the devil. And I'm like, I don't, I don't care about Trump. He's probably like, who cares? Like I don't even know a lot.

[A]

Of people care about.

[B]

I don't even know what his policies are. So I'm not just. I'm not going to. But all the people who are talking.

[A]

Yeah, blind hate, stupid hate. Blind hate stupid.

[B]

And I wouldn't buy into the blind hate. And so it's like, oh my gosh. And they like started slowly, like separating. Well, there's other. It was just like, hey, we're married and we have a kid. Oh, you can't come to the bar. No, dude, we have a newborn. Like, what do you mean I can't go to the bar? And like, oh, we have a house show this weekend. Great. We won't be there. Like we're adults now. And so then like Black Lives Matter started happening and everything was going off the road.

[A]

I know you don't like those.

[B]

No, no. Okay, okay. I'm sorry. That's. The whole thing is bull. And who is black also thinks it's bull.

[A]

Way too woke. I think everyone agrees on. Then we've come back to a normal place.

[B]

Well, so. But in the middle of when everyone was going woke and if you weren't woke, you were basically like some demean, terrible, every hate word person. Well, no one. I was.

[A]

No one takes those people seriously.

[B]

I was never buying into. Okay, but It's. It took 10 years, 5. 20.

[A]

20 to.

[B]

Okay, it was happening before 20.

[A]

No. Well, yeah, sure, but like the ultra like just like kill someone if they.

[B]

Don'T fully Believe I watched it happen. And. Right. And so the whole time I've been like, no. And then, of course, Covid. And it's like all the people I was friends with were like punk rockers with, like, spikes on their jacket and all of that anti establishment blah, blah, blah, blah, blah. And then it's like the government watch. Who do I watch?

[A]

Are you an Alex Jones, girly? Nick Fuentes. Oh, you used to be Dean Weathers.

[B]

Like, Uncle Alex Jones. We all love him. We've known him forever. He can only take half a. What he says. I mean, you know, like, you started.

[A]

Hassan went more Destiny.

[B]

Oh, destiny. God.

[A]

Then you got to Charlie.

[B]

Please don't insult me.

[A]

No, no, Your trajectory. Your trajectory. And now you've gone. Charlie's like Nick Fuentes.

[B]

Well, you know, you did the full spectrum. Nick Fuentes stuck with me in the. It's better here Nick Fuentes guy. But part of his.

[A]

I don't think Nick Fuentes would be a fan of Fox, actually. I don't really know what he.

[B]

No, he's not. He hates all of it, basically.

[A]

Okay. Because I really don't know who you are.

[B]

Which is more where I have always stood is like. But anyways, you have all these people who are like the Man. And then it's like the man is telling you to do xyz and they're like, okay. It's like, I thought you guys were like, anti politics and anti the Man.

[A]

I don't know what you're talking about.

[B]

COVID and the punks, like, just doing whatever the government said. It just seemed very hypocritical.

[A]

Well, it got very politicized.

[B]

Well, right. But doing. But they took the side of the, like, basically the people who are pro government, which never made. So anyways, it was this huge falling out. I don't even remember where we are in the conversation.

[A]

I don't know. I'm trying to loop this back to money. But also, you're very. Watching you go down rabbit holes is very enjoyable.

[B]

Oh, good. So.

[A]

All right. Well, I think so.

[B]

Oh, yeah.

[A]

You should just start your own show.

[B]

Maybe that's my new career. However, I'm not delusional thinking, like, I'm gonna be a YouTuber and next year I'll have like $70,000. It's like, okay.

[A]

I don't even know what to say. Your income is.

[B]

We still don't know. Like, we.

[A]

I have a note that you heavily rely on your mother. Isn't that kind of what you've. Like, if you've gone Far to the right. Isn't that kind of anti.

[B]

Yes.

[A]

Far to the right.

[B]

Yes. We don't like it, and I don't like it. We would like to grow to be completely independent.

[A]

You're in your 40s, like.

[B]

Oh, yeah.

[A]

What the Is taking so long?

[B]

Oh, well, you know, don't. Pot is not a good idea. Children do not.

[A]

What do you mean? Are you still blazing it up endlessly?

[B]

No, I. Well, I've only been sober for probably two or three years, to be honest. Yeah.

[A]

So listen, more negative studies have come out against it these past few years, but not to the extent you're trying. You're making it sound like it's not like that.

[B]

It's fine if you want to, like, be a responsible person and, like, smoke a joint on the weekend and have a nice time, but, like, if you're, like 15 and you're smoking every day and then you go into college and think you're going to be successful and you're just going to, like, smoke a pound of a week and do whatever. And by the way, the weed now is nuts. You might as well be tripping acid.

[A]

It's not like THC has massively gone up.

[B]

It's crazy. So weed now is like, I don't even know. So thinking you're gonna be a functioning human being because I have to smoke for my depression, like, five times a day, like, it's not gonna happen, people.

[A]

Okay. I would love to be able to put down an income number. What do I say, 3000amonth?

[B]

No, I would say closer to 1500. Yeah. Unless I can.

[A]

How can you survive off of that with two children?

[B]

Credit cards is going to get me to February, and then we're going to get the tax return, which will get me to May when I can start. Tax, credit card. It's good. And also in. And also in February, I can start group lessons again at the indoor pool. And that's going to get me a little bit of income too. And I'm willing to find another job. I tried to apply at Tocova. I thought this was going to be great. I love it. To Cova. It's the boot store.

[A]

Oh, Tacova. Taco to Cova. They've been a sponsor. Come back.

[B]

Oh, I. Oh, I saw that. I saw that one. When you sponsored. I thought, ooh, yeah, I love them too. And my friend works there and she's a manager, and I thought it was an algo. No, because I'm sorry, we just went with someone who had experience. I'm Like, I will work harder than 3 gen Z that you hire if you give me the job.

[A]

And they're like, right, but can you bend over?

[B]

Hey, yo, that's funny. I'm a little stiff, but yeah, I do. I've done personal organizing. I've. For, like, businesses and stuff.

[A]

You organize people by race? As you're walking down the street to see if you're going to cross or.

[B]

Not, for your safety, maybe you should. Dude, if I see some shady black dude on the other side of the street, I'm not gonna run his way. I'm not. Especially if you're in Chicago. We were talking about that earlier, kind of. Who? Well, we were just talking about Chicago and who.

[A]

I wasn't here.

[B]

No, you weren't. You're a cup of coffee that took, like, 40 minutes to make.

[A]

I know, it was annoying.

[B]

Okay. That was crazy. Did you buy that coffee? You're okay?

[A]

Yes, I did, because everyone drank the coffee here.

[B]

I made my coffee at home this.

[A]

Morning, so you've never been so lost in a conversation. Okay, I'll say 1500. And then in the peak of the summer, what's your monthly? I can arrange it.

[B]

6,000.

[A]

Okay. 30 minutes to get that. To get the income. Wow, you've been a. Before.

[B]

That was only for a month. And that was when I was like, 19. Oh.

[A]

Yeah. I don't know if I can get back into that, actually. I mean, there's going to be some people. This is gonna be a very selective group of clubs and people.

[B]

Dude. First of all, I didn't make any money because I'm not a scammer. You gotta be a scammer to be making money at that. And second of all, it's just. Have you seen me? I'm awkward. I'm not like a graceful, pretty.

[A]

You don't seem awkward. You seem very confident in everything.

[B]

I'm like a giraffe trying to run physically is what I'm talking about.

[A]

Okay, now listen, I was about to ask for your living situation because I want to know how you're paying rent here. But I just also looked at a direct quote because I guess you've just had so many to Colton that he's just feeding them all to me that I live in the ghetto. And I hate all the Mexicans that work on my car there.

[B]

Good night. Okay, those.

[A]

You said it, not me. I don't know.

[B]

Those Mexicans do not work on my car. And there are. It's a. It's a Hispanic.

[A]

You're in San Antonio, right?

[B]

It's a Hispanic neighborhood. That's fine.

[A]

It's a Hispanic city, right?

[B]

That's fine. Fine with it. But there are levels of Mexican.

[A]

Please take us down those levels.

[B]

There's tons of, like, Hispanic families that are just, like, nice Hispanic families. They've been there forever. It's whatever. It's fine. It's everyone's different culture, right? Just like how white people. Like, I'm German, so I have, like, a culture that goes along with that.

[A]

I'm sure you are.

[B]

Now, there's like, the car shop that's next door to us that's like, definitely half illegals, where they sell drugs out of there. They have people living out of there. They have grown men going behind the building and taking a piss in front of my living room window where my kids can see. That is. Okay, pause.

[A]

I'll be right back a few moments later. File in and line up behind me, lads.

[B]

With me are all my favorite nice Hispanic American people. Yep, get them all in.

[A]

Get a file on in.

[B]

I've been a minority in San Antonio for my entire life. I'm very sorry to hear that.

[A]

I would like you to rank from the worst Mexican to the best Mexican. You could ask a few questions, feel free, and then you can rank from your least favorite to your favorite. 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 and nothing you don't. And when you download Dollarwise Today, you'll get six to try it for free, plus three 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]

Does personal.

[A]

Oh, well, no type of Mexican. Feel free to ask some questions.

[B]

Okay, from all of you, I want to know, are your parents still married? Yes.

[A]

Raise your hands if yes.

[B]

Oh, two of them now. Oh.

[A]

What does deceased mean?

[B]

Oh, I'm sorry. Yes. Yes. So only one of y' all is divorced. Okay. Boom. He's loser.

[A]

So.

[B]

God. Mexican.

[A]

Down there, down here, down here. Very good. Keep. Go ahead, keep going.

[B]

Now, of the ones left, do y' all all speak Spanish?

[A]

Raise your hand if you speak Spanish fluently.

[B]

No. I'm one of the good ones. No, that means you're a bad one. You're bad on your culture. You speak both.

[A]

Is he in front? In front of or better than Christian?

[B]

No, no, you're the worst. Cuz they're divorced. Then this is my weird criteria. And we're still ranking from the best not speak Spanish. That's bad.

[A]

Ask another question.

[B]

Well, I thought you were going to be a fan of that. If we're being honest.

[A]

Okay.

[B]

Oh, wait, wait. Who can change a tire? Can you change a tire? Bad Mexican. You can't.

[A]

You didn't even Dr. License. I hitchhike.

[B]

What were your grades in high school?

[A]

Good.

[B]

What were your grades in high school?

[A]

Great.

[B]

Okay, what's your job? I'm an editor. What's your job?

[A]

I'm his boss.

[B]

Well, you get to be above him, I guess. And so you'd just be the best.

[A]

He cheated on his girlfriend.

[B]

I did not.

[A]

That was high school.

[B]

We'll let that slide.

[A]

But it was for his wife.

[B]

Oh, you're married?

[A]

Yeah.

[B]

Yeah, he's the best one.

[A]

But he's reproducing.

[B]

He's the best one.

[A]

You want them reproducing?

[B]

Yeah, if you're a nice.

[A]

Yes.

[B]

Eagle. See, he gets it.

[A]

Yes.

[B]

Look at him. Look how nice he looks. Aw, thank you. What do you mean by that? He does. He's clean shaven. Love the black. San Antonio black. I represent.

[A]

And then before they leave, who's the scariest?

[B]

Just by looks. Yeah, that's. You're making me do that.

[A]

You don't have to do anything you don't want to do. I was going down your path.

[B]

No, I'm not doing that. Okay.

[A]

Okay.

[B]

Thank you. Thank you.

[A]

Gracias.

[B]

Gracias.

[A]

Eloque. Gracias.

[B]

Adios. Gracias.

[A]

Okay, so this house that you live in with all the scary Mexicans around you.

[B]

Scary Mexicans.

[A]

How are you affording this house?

[B]

Okay, in our neighborhood we hear gunshots like at least once every two months.

[A]

But still, how are you affording the rent?

[B]

Okay, it is my parents property that they actually bought for me because they got tired of paying the rent on my apartments and they got it for super cheap. It was $60,000 house in 2006 and it had a brand new roof, brand new windows, leveled.

[A]

What the fuck are you doing? They bought it back then because they were afraid of paying. They hated pain free.

[B]

My stepdad thought it would be a good investment and then he was like, by the way, if can't do her life, which happens all the time. She could live there. And my mom's like, no, okay, fine.

[A]

This doesn't make any sense.

[B]

So the house is paid off, so I live there.

[A]

Stereotypically, this is not a one size fits all. But stereotypically, personal responsibility tends to lean more right than it does left. Obviously, there's people on the left that believe in it. There's people on the right that don't. Whatever. Okay. But even still, stereotypically, that is where it typically lands. If you are all the way over here on my right. This makes no sense. Your parents buying a house because they're. I'm sick of being.

[B]

This was Stephanie being Stephanie's a long time ago. This was in 2006 or 7. And now we're in 2025, so I've got to. I'm trying to catch up. I'm trying to catch myself up to where I want to be. But you're getting a handout. I know. A handout. It's in. Well, in jail, and I can't pay rent. But even before he was in jail, we were kind of not paying rent because he was like. I don't know. He had mental health stuff.

[A]

So what are you supposed to pay to your parents?

[B]

It's supposed to be 800amonth.

[A]

I don't know how you do that. I'm 15.

[B]

I don't keep in food and utilities.

[A]

Okay. And they're okay with it?

[B]

Yeah, because the house is paid off. There's no mortgage. But still, they're okay with. Yes, but it's like, I'm not okay with it. I'm not okay with it. Okay, now, you say you're applying to.

[A]

A lot of jobs, but I hired.

[B]

Not really. To be real with you. I applied. I. Okay, well, I'm obviously like, a person who's willing to work, and I'm like, enough put together, and I've had enough jobs where it's like, bro, I need something that's decent. I need to make probably at least 15 an hour, which I think is reasonable. And I don't know. I have skills. I have skills.

[A]

Why'd you try to be a stripper? Why'd you choose that one? That's not a skill building thing.

[B]

That was such a long time ago.

[A]

But why'd you choose it?

[B]

Well. Cause my friend's boyfriend's.

[A]

I'm told it's because of a kink.

[B]

Some.

[A]

You have.

[B]

No, no, some. Freaky.

[A]

Colton says it's because someone I was.

[B]

Staying with was friends with a stripper, and she's like, you could come to work with me. It'd be so easy. And I was like, I don't know. I have, like, hairy armpits. And she's like, no, guys go for that. And so I was like, the little dready girl with, like, armpit hair. It didn't work out, obviously. Good. It didn't work out.

[A]

Colton wanted me to ask about your kink, because this is, after all, a.

[B]

Finance show that was a misunderstanding, and I do not have a kink. I was so truthful on the phone. Don't even. I think what I'm saying is that it's. He was saying that men there would have the kink. So I went, yes. That's what I was. And so then I tried to go to.

[A]

But the strip club owner said that you were too nasty.

[B]

Basically, yeah.

[A]

Do you have a picture of you back then that we can put on screen? Can I see it?

[B]

I don't have it.

[A]

But, like, really, like, anywhere. You don't have a picture saved on your phone?

[B]

I do, but, like, can I, like, email it to you? I'll email it to you today. Yeah, of course I'll send it. You'll be like, what the.

[A]

Yeah, let's see it. We'll put it on screen.

[B]

Cute little dready girl. Flowers and beads in my hair and. Yeah. Anyways, sure. Skinnier. What? Does this make sense?

[A]

You also moved to Mexico when you were younger.

[B]

This is such a. I keep wanting.

[A]

To get into the finances, but this is insane. And you hate them, and it's just like.

[B]

But you live there. I'm so confused. I only hate the dirty ones.

[A]

And what percentage is that?

[B]

Well, I mean, I don't know, honestly. Okay, it's not the majority. It's definitely the minority. No, we. We went to Mexico, obviously. I don't hate Mexicans, by the way. I love Mexican food, by the way. I am friends with Mexicans, by the way. My ex was a Mexican.

[A]

You just pulled the. I have a Mexican friend.

[B]

Well, I hate black people, but my husband's black. I'm just kidding. I really don't.

[A]

Please.

[B]

Oh, my gosh.

[A]

I'm not racist. I go to Taco Tuesday.

[B]

Oh, my gosh. If one of my clients sees this queso. Oh, my gosh. I don't.

[A]

Your clients have downs. I don't.

[B]

I don't. I don't hate black people. I do not.

[A]

Not all of us have to say that in our daily lives. What's your finance score? 0 to 10?

[B]

2. Okay.

[A]

If you want your Hammer Financial score, go to calebhammer.com, see where you stand in the world of finances, where you need to improve and where you're already doing well and what you need to do to fix it. And what's your racist score? 0 to 10. 0. Being not race at all. 10 being hyper racist.

[B]

10 is like, you want the racist to be segregated again and living in separate town. Executed.

[A]

Yeah.

[B]

Oh, so nine would. Nine or eight would be below that. Oh, I'm only like a three, maybe.

[A]

If you want your racist score, go to calebhammer.com racist. See where you stand in the world of racism. If you're not racist enough or you're a little too racist, find out.

[B]

I took the lesbian test. I'm like 36% lesbian from your website. I know. Yeah, yeah. Moving to Mexico. Yeah. Our friends went down there, so we lived in Chiapas, which is like the southernmost point in Mexico, like right before Guatemala. Okay, I can't hate him that much.

[A]

Let me get into these numbers for sake.

[B]

You got two children. Yes. And they are very well behaved. I know some of the people. Well, I know some of the people on this show are like, I can't tell my kids. And I buy that. And no, I'm like, baby, we don't have money for that right now because, mommy, I'm into.

[A]

Okay, well, I'm glad. Well, okay. Do you say it like that?

[B]

No, Nicer and more child appropriate.

[A]

What do you consider child appropriate?

[B]

Now, remember, I work with kids, so I know child appropriate.

[A]

Are you a gentle parenting person or a God?

[B]

No.

[A]

Okay.

[B]

God, no. Like, basically, now here's something good. Black people, they will get on their kids. The crazy black people. Like, you will see, like, where, like at Walmart, you will see kids going up and down the aisles and the parents like, whatever, whatever. And Fox is like, mortified. And I am too, because, like, control your freaking kids, dude. Well, I'm sorry, you go to the white side of town, you do not see that. You see them screaming in the carts begging for toys, but you don't see them running up and down the aisle. Well, I have.

[A]

You'll be very happy to know food stamps are currently on hold due to the government shutdown. So if you go to Walmart, and I think you'll be happy.

[B]

And who do you see on TikTok and all of that? Who are like, they're taking my food stamps. And guess what? I'm gonna go in there and I'm gonna steal from the store Bubble.

[A]

I don't know. You tell me.

[B]

Who do you See, I don't know.

[A]

I'm not looking.

[B]

I don't know. I don't know. There's a larger percentage of people who are acting that way and a smaller percentage of people who are still acting that way. You can be a hard R dependent upon your race, not dependent upon your race. Yeah, there's like, white people who are, like, acting like hard R. That's a very Nick Fuentes concept, by the way. It's true. Dude, I've never heard anyone say this. Seriously, I'm from the depths of the Internet at 41. Yeah. Yeah.

[A]

I mean, I hope I still am, I guess, but I guess I don't go that. That deep. I mean, I filmed with someone yesterday who is racist to or she hated, quote, Arabians. How do you feel about the Arabians? Was her words.

[B]

Well, in those countries, they have higher percentages of rape. And all of the countries that have allowed in those immigrations, all of a sudden they're like, rapes and stabbing. Statistics are, like, skyrocketing. That's just. That's facts. That's not my opinion. That's just numbers. So anyone who says that, like, the. We should love Islam and the Middle. Have you been to the Middle East? Women don't drive. I mean, I haven't either, but it's like, women don't drive. Women aren't allowed to read there. That's okay. I don't know if I.

[A]

That's okay.

[B]

No, no.

[A]

Obviously they have not caught up to the 21st century.

[B]

People who were like, love Islam and welcome them in and everything. It's like, once again, if you're gonna go through the legal system, it's part of the law. Anyone is allowed to be here. But in these countries where they've just opened the floodgates for anyone to come, it hasn't gone good for them. So. So I'm not racist towards anyone now. If you're acting like a hard R, I don't care what race you are, you're acting like a hard R. This has to make sense, dude. Don't act like it doesn't.

[A]

Hi, Listen here. Financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section. In the description below the first one, I've moved my investments to webull. Do the same and transfer to my investing app of choice, and you get cash bonuses of $200 all the way up to $30,000, depending on initial funding amount, and up to 8.1% APY on your money and up to 3.5 matches for your IRA. And then number two, a great new checking account that I've switched over from SOFI and it's called chime. Get that $550 bonus when you sign up with direct deposit and get almost 4% on your money just sitting there. And then three, automate your investing with acorns. Usually sign up incentives are only five bucks but you get $20 with my link. Number four, you can increase your income and boost your resume with a course career certification. Five, if T mobile is good in your area, switch to Helium. Get a literal $0 a month phone plan for the same exact service. But most importantly, go get your free Hammer Financial score and see where you stand in the world of finances. Take the assessment@caleb hammer.com you will not regret any of these. Change your life today. There is a nuanced position here where like the Europe, many countries in the European Union and the UK have done uncontrolled migration, putting them in council states. And it's been very hard and there's not a lot of assimilation. That is very true. But this country does at least pretty well on assimilation.

[B]

I agree they do. I agree they do.

[A]

No, the uk, well, some people still.

[B]

Want to move there. Not me.

[A]

Well, it's because it's still better than a lot of regions. But it's very.

[B]

I'm very compared to here. I'm very comfy in Texas with my Mexicans. I'll take it any day, just not the hard R's. Gotcha, bitch. Well.

[A]

Okay, usaa, what's going on with this USAA card?

[B]

Okay, that one was actually started as a credit transfer, a balance transfer from Chase maybe last year because I had racked up the Chase. Okay. This all began because of Fox and like job stuff and mental health stuff. And so he's. That's another thing we need help on. Dude, you just got off food stamps.

[A]

A couple years ago and you're talking, you're talking about people who are on.

[B]

Food stamps because people are like, I'm on food stamps. And I'm like, dude, don't let anyone know what a embarrassment, what an embarrassment that I am on it.

[A]

Okay. I can kind. I wouldn't necessarily take it as an embarrassment of being on a social.

[B]

Okay, I would.

[A]

Well, hold on. Being on a social. Safety is there to help Now I would be embarrassed as a person if I was actively trying to not go get more hours because I would be above an income threshold that would qualify For a benefit. I think if people are actively trying to stay in a benefit, I would be embarrassed. But if you go through a hard time and you.

[B]

I know.

[A]

And you get put on a system that you paid into, that inherently is not an embarrassing thing.

[B]

But it's like, how long is the hard time? And I'm not going to.

[A]

Depends on the person in economic condition.

[B]

Well, right. And so it's like.

[A]

But don't get me wrong, I vibe with you on the fact that I've had people on the show that literally will not go get a job because then they get off benefits like food stamps. That's disgusting. That's horrible. And obviously we're enabling that. But to say if you fell on a hard time and you paid into a system, well, that got supported for me, you shouldn't be embarrassed.

[B]

Happening is like some people fall on a hard time and it's like, oh, well, you make too much. And then they like that's happened to someone. I know. And so they can't get assistance and they really should have it. And then there's other people where it's like they're kind of on the fence, but because they fudged their numbers a little bit.

[A]

Gentle parented, probably. Honestly, I'll be honest, as someone who's not a parent and you know, it won't be for a little bit. I specifically don't even know what that literally entails on a literal level. But I hear that you hate gentle parenting, so.

[B]

I do, I do. It means that you create a little narcissist. It's like, oh, you're upset. Tell me about that. Okay. Every. Yes. Okay, I'm sorry, I have to go. I have to go because the four year old is pulling me away. That's what that means. Ah, you'd be.

[A]

You just. Right.

[B]

Excuse me, you're not the adult and I'm speaking to an adult right now. You need to wait patiently.

[A]

Okay. Okay. I can buy with that. What's the normal minimum payment on this?

[B]

Normal payment is like one I don't even know because 216 on it. Why 50?

[A]

I don't know, 150.

[B]

Because I've been paying off so much so this summer I kind of.

[A]

Kind of. But you're so purchase. No, you're still purchasing on this though. So it's because.

[B]

Pest control.

[A]

Huh?

[B]

Pest control.

[A]

Well, let's see.

[B]

Yeah, look.

[A]

Yeah, I mean, that's a lot of pest control.

[B]

Well, they come every three weeks for the mosquito and we have roaches. Okay.

[A]

Why was this three Times in one week, then a couple weeks.

[B]

Was it charged all those times?

[A]

Yeah, 53, 108, 54.

[B]

That's a problem. Yeah, I'll be calling them as soon as I am done filming because I.

[A]

Might have fun with that. Also, I think you've had a late fee this year, I believe.

[B]

Yeah, probably.

[A]

When? Why?

[B]

Don't know. Don't know.

[A]

Okay.

[B]

I don't know.

[A]

How do we prevent that in the future?

[B]

Well, I have it in my phone, the bills and all of the dates that they're due and I make sure. But because. And I was keeping up with that. But then because in the summer I was paying everything. Anytime I had any extra money, like I'd put a thousand, I'd put a thousand, I'd put a thousand. So there was no minimum.

[A]

What are we doing going into this where you have just.

[B]

Well, now. It's just now starting because, like, even last week I paid like 500 off on one of the cards with like all the money that I'm spending.

[A]

Yeah, but if automatic hundreds and hundreds of dollars of bills are going on, it does that offsets it?

[B]

Anyway, I'm just saying I. There might have been a late fee this month because I'm used to there not being a minimum monthly payment for the past like four or five months.

[A]

Yeah, well, the deferred. It's not deferred interest, but your promotional balance for the transfer, that ends in about three months.

[B]

I know, which is why I'm trying to quickly pay off the Chase card, because that's where you have a higher interest. So USAA is kind of like on hold because it's the lowest interest rate and one of the lower payments. I don't even think it's 150. I think it's like under $80. No.

[A]

Yeah. The interest is relatively low because.

[B]

For now.

[A]

Well, yeah, exactly. Because the balance subject to the interest rate is low. But you have had a late fee this year, which was immediately doubling, kind of. But when was added to this.

[B]

But when was the late.

[A]

You can't see that on this kind of statement. But it was this year so far. I do.

[B]

I believe. Believe it. I believe it.

[A]

It's a little concerning. If you're going and shopping for groceries, Walmart is one of the cheaper places to go. And if that's the place you hate going to and you're afraid to go, isn't that bad.

[B]

It's kind of gross there. I only go if I have to really badly. I don't actually.

[A]

You kind of have to, dude. No.

[B]

Why not? H E b, Are you kidding me? Hill Country Fair. Come on.

[A]

He's nice. But isn't Walmart brand still the cheapest brand?

[B]

Not necessarily. I don't think so.

[A]

No.

[B]

I think it's comparable to Hill country fair.

[A]

Okay. Yeah, heb is pretty good. If we, if we can do heb.

[B]

We can do heb. You cannot talk me out of he.

[A]

No, I wouldn't. We do our 300 a person in that, you know, scales grocery budget, meal.

[B]

Plan, which I'm based on hb.

[A]

Okay.

[B]

Okay, well then there you have it. No, don't try to talk me into Walmart, gross.

[A]

Well, I don't.

[B]

Okay, what's wrong with dude? You know, some of them are a little gross. Gross.

[A]

I mean I be, I'll be honest. I go to HB because one, it's closer and two, it's just like I prefer hb. So I don't some H. I don't go to Walmart.

[B]

But okay, so I live on, I live on the side of town where if you walk into like, like a Fiesta Mart. Cuz I have shopped there before cuz they have great meat prices there. You're going to get looks. Like why the are you in here, white girl? That's just how it's been. And they also.

[A]

Do you ever get those looks Fiesta Mart.

[B]

I have.

[A]

Oh, she has.

[B]

No, but I went in to buy like fajita mix one time like, like the me and I brought it to my friend's house and they were like.

[A]

Oh, you got graindead.

[B]

And I was like, what do you mean? I told them we have like seven people here. And they were like, that's not for like 20. Telling people like they thought you were dumb. I was dumb.

[A]

Oh, so okay, okay.

[B]

Same with. There's a meat market down the street from my house. Culebra meat market number. I don't know. And I love to go there because I want, I. They have great product and I want to support them but they're like to me. So it's not just me.

[A]

Yeah, but did you call them?

[B]

No.

[A]

A slur?

[B]

No, absolutely not. And I walk in like kind of like humbly like.

[A]

But if you bring fox with you.

[B]

I don't bring fox with me. You can't, you can't tame him.

[A]

What does he do in Fiesta March?

[B]

Nothing. He's just, he's. He's not, he says he should just be kept inside. He's not meant for society. That's his words, not mine.

[A]

What does that mean? I don't know if you have someone.

[B]

Who'S like an avid Nick Fuentes watcher. They, they probably have to. He is, yeah. They probably should be like, kept inside. They're like highly autistic. Sooner. Beyond. Like, he's, he's a lot.

[A]

We have wide.

[B]

I love it.

[A]

We have wide variety of. I, I let anyone work here with any political beliefs. I have Aaron on, you know, the, on the left and I think Brandon's a Fuentes watcher. We let. He's. I haven't felt unsafe around him.

[B]

Okay, well, there you have it. To be real, I get, I get pissed off at some of the things Nick says. I think he goes too far.

[A]

I've never seen it. I've.

[B]

Honestly, it seems like it's just for clickbait, but I mean, you have like, you know, 20 year olds that are like basically sucking him off every single word he says.

[A]

Nick, if you want a debater and you watch Financial Audit, feel free.

[B]

He's a, he's a very smart person, honestly. I mean, dude, to have that much of a political following and when he was like 18 or 17, that's freaking nuts. Anyway.

[A]

I honestly, I can't even speak on him. I've literally never watched him.

[B]

You should just. You kind of know the hype with. When it's part of your Internet.

[A]

Well, he, he had a Tucker Carlson interview that's going viral. I feel like I want to watch that, at least for the sake of comedy.

[B]

That's what I'm saying.

[A]

Right. Because it is like lots of rage bait. Right?

[B]

Yes.

[A]

$2,973 on this Amazon card.

[B]

Yeah, but that was at $83,000 in May.

[A]

Okay, but now you're not going to bring in any money.

[B]

Well, now, so what is it going to be?

[A]

It's going to be. Okay, so we make. So credit card debt is here. It's summertime. So we're going to start paying it down. Balances and timescale pays it down. Oh, it's winter time. Now it starts going up again. We're going to be in this repeated cycle of never actually being able to pay them off because we. Yeah, but we rack them up when cold. We pay them down low.

[B]

Is it always working? Because.

[A]

Okay, well, now he won't be able to. Now Fox won't be able to. I mean, he'll get a job, but it's going to be like not great. His career opportunities for a while at least will not be. He's going to be dropping the fries.

[B]

No. Think so. He'll Stay.

[A]

We're in a tighter time market right now.

[B]

I know, but he always get job and electrical. But that's the thing. It's, like, up his mental health because he absolutely hates it. He's shouldered through it for five years, and, like, that's part of why he's having these, like, mental breakdowns. And I don't want you to think, like, oh, poor you. You don't want to work. It's like, no, like, he wants to work. He does work. He's a hard worker. You can only go so far in a job. If it's like. It's one thing to be like, eh, it's not my favorite. It's another thing to be like, this is crushing me and killing me. And I hate this more than anything. Makes me want to kys, like, every day. Okay. And that's where he's at with it. But he'll still go back to Wes.

[A]

Can you turn on Brandon's mic real quick? Brandon? Brandon, as a Fuentes watcher, is Nick gonna be happy or upset that a black man is watching him?

[B]

He's only half black. I don't think you'll care. Oh, okay. No, I don't think he'll care. No, he's not a racist, but foxes.

[A]

Okay, thank you. Very good.

[B]

He's made friends with this, like, white nationalist guy in prison.

[A]

Oh.

[B]

But they can't accept him because, you know, he's black.

[A]

Oh, no, this can't be. I'm 102% African with a 2% margin of error.

[B]

That guy knows. Whoever watches Nick knows what I'm saying. Brandon, Brandon, we'll talk. Brandon.

[A]

We'll talk in the post show, okay? We have a lot to talk about in the post show because. Oh, my goodness, like. Okay, the Amazon card. 2000. Okay. Yeah. We already went over the balance. Minimum payment109. 13 years to pay this one off if you don't purchase. This is the CH make minimums, but you are purchasing and 80 of interest is accruing. You've had multiple late fees this year so far. Almost a thousand hours in interest. Pull up your Amazon for me and start a screen recording, if you could.

[B]

Oh, boy. I think I can justify most of these purchases.

[A]

Let's find out. Are we gonna see a white hooded outfit in there? We don't know, bro. I don't know.

[B]

Just so we're clear, his dad was black, and we have. We had a great relationship. His dad is what? He's passed away, so it's.

[A]

Did he know you had a great relationship?

[B]

Yes. He loved me more than Fox. Maybe not. Issue your Wi Fi.

[A]

Did you get on WiFi?

[B]

I'm on the WI fi. It's on. This is not me. I know that. There's Two different, like, $45 charges. Those were comforters.

[A]

Why don't you connect to 5G? I bet you like that.

[B]

I'm on 5G.

[A]

Are you scared?

[B]

A little bit. If you want to go into all of that. Yeah.

[A]

I don't know. I just assumed immediately. I never look into that kind of stuff. I don't even know what people.

[B]

Well, it's supposedly very bad for your health. And it's like, what's good for my.

[A]

Health is looking at your Amazon.

[B]

Well, the WI fi is on, and I cannot get service in your thing. I'm turning the WI fi off. There's nothing. Look, I'm not lying.

[A]

Close. And reopen.

[B]

Okay. So two of them were purchases for comforters for my kids. Down comforters because I knew the winter was coming, and I don't want to pay to. I don't want to pay to have the heat on all night because we just use, like, window units and, like, space heaters. And I knew that would be, like, super expensive to do that and it would be cheaper to just buy, like, nice comforters for them. So that's one of the purchases.

[A]

Any of your kids have downs?

[B]

No, they are both. They are not neurodivergent. They are.

[A]

Look at you being PC.

[B]

I work with special needs children, and I really enjoy it. I enjoy that aspect of it. Like, if it was just special needs. And it was. And I'll still continue to do it. Like, I will. It's just. I can't do it. You're not on WI Fi Because I turned it off. Because it wasn't working back on.

[A]

So we can say all the words, but we throw in a little, and all of a sudden. Yeah, too far.

[B]

Well, I'm not gonna say that to them, but there are some people who are kind. I have people who are smarter than the normal people. WI fi is on and it's in there. I don't know. Yeah, exactly.

[A]

And all of a sudden, now, the moment I used it, it's good and going good.

[B]

Then you have the magic touch.

[A]

Yeah, because I followed the instructions. Monster natural deodorant still on that hippie.

[B]

That is for my child. And it contains no aluminum or chemicals. She is starting to get stinky. It's deodorant. Natural. It's deodorant. It doesn't have phthalates. Or estrogen disruptors or whatever. Right.

[A]

And she's stinky because of it.

[B]

Stinks. No, now she's not because she has.

[A]

Oh. Oh, okay, good. We had to get that talic free setting powder.

[B]

That was for Halloween. Makeup.

[A]

Okay. Lots more makeup stuff.

[B]

Lots more. Three things.

[A]

Black face paint.

[B]

Oh, my goodness.

[A]

We're doing blackface on Halloween tomorrow.

[B]

They're skeletons. They are both skeletons.

[A]

Costumes, costumes, costumes. Speakers, but those were refunded. Lego set. That was back.

[B]

I never got that. I never got that. That was for her. She wanted them. Yeah, yeah, yeah, yeah, yeah.

[A]

Yep. Lots of different cables, comforters, weekly planner brackets, floating brackets, bra extenders.

[B]

I did get a bra extender because I'm getting fat.

[A]

Oh, well, don't do that.

[B]

Need a little extra swim.

[A]

More. Lots of blankets, as you said. Lots of sports athleisure. T ball, dishwasher stuff.

[B]

Yeah.

[A]

Bifocal reading sunglasses.

[B]

That was for my mother and she paid me for those holds. Your mom 73. Your dad 78.

[A]

What happens when they pass away? You'll just live here rent free, pay the property taxes.

[B]

I'm the only. I am the only benefactor. So whatever they have will come to me. And I'm actually quite nervous because I don't want to off everything that they've worked their entire lives for.

[A]

Well, at this rate, you will be multivitamins, a watch, reptile.

[B]

Heat lamp.

[A]

And yeah, if we can't afford to pay loan bills for the kids, I don't think we have a snake. Oh, four things are the cart. Let's see. The Mythic of Normal by.

[B]

Oh, my God.

[A]

Someone. These are Trauma, Illness Healing, Toxic Culture.

[B]

These are books on like to send to in jail. But I get them from a cheaper website. But they.

[A]

I just put Amazon.

[B]

No, Alice, I think Ali Press Big.

[A]

Boys and girls Union suit, thermal underwear.

[B]

That was for the costume. That was from the costume. But we ended up not getting more.

[A]

Powder stuff and blackface things.

[B]

No, there is not. You are so exaggerating that.

[A]

That's completely husband's card. Six to seven. What is six to seven? He has six to seven cards or what? Oh, okay. $1,000 and you have no access to it for his.

[B]

Yeah, so.

[A]

But what's happening while he's in prison then?

[B]

It's just there and I'm not paying it.

[A]

Okay, so it's his credit.

[B]

Well, I'm planning on. When the tax return comes. I can pay off that flat. It's $1,000. It would be under a year old and that would be.

[A]

How can you pay it off if you don't even know how to get in it.

[B]

I think I can. From. Not the regular desktop, but from the laptop. But he has to re. Give me the password information. And like, I don't. I think it's doable. I think it's doable. And it's just a thousand. I mean, just. But now.

[A]

Synchrony, bank, care, credit. What's going on with this?

[B]

That is only for dentist and vet.

[A]

And I assume you don't have insurance for both of that. You just have insur.

[B]

I do have insurance, but for the snake. What? No pet insurance? Oh, it's just insurance for humans.

[A]

Wait, pet insurance is good. I don't know if I'd get it for a snake.

[B]

Why not?

[A]

Is that all you have? Well, I don't know if it even offers it.

[B]

Oh, boy. Okay, here we go. We have two chickens. My mom mainly takes care of that and pays for that. We have a snake, a fish, a dog, and three cats.

[A]

Oh, for sake. And you have no PED insurance for any of them?

[B]

No.

[A]

Well, I don't know how you could afford it anyway, but I don't know how you could afford an emergency if it popped up.

[B]

We can't. We're. We would be using a credit card, which is what I want to. We have. This is not okay. It's not okay. It hasn't been okay for the past, like, five years.

[A]

I agree. Yet you've done nothing in the last five years.

[B]

No, I disagree with that. I'm saying I'm paying off.

[A]

I mean, we got someone arrested and.

[B]

I'm paying off these cars.

[A]

I swear. You're in, like a. You're in a moon cycle, though. It's like, yes, you do get higher income in the summer, so you pay them down. Not all the way, because these are obviously not paid off. As we're entering this cold season and the cold season happens. You cannot live off of 1500 with two kids and someone in prison that you're also trying to support. But it wasn't also all these dogs. I know. Not always. And then it goes back up. And then by the time we have the high income and I think you're in a moon cycle.

[B]

We used to happily wait for swim lesson season, as we called it, to buy our Amazon. To buy our Amazon one. This year we did not do that. This year I paid off the debt. I paid off all of as much as I could. I was paying, like, at least half of my income toward the debt to get it gone.

[A]

I hope that works. But now Your income's dried, so I think it's gonna balloon back up. We'll see.

[B]

No, it can't. I need.

[A]

It can't. What do you mean it can't?

[B]

Is the course careers for real? Because I. Yes, of course.

[A]

Why would I not gift that to you?

[B]

I don't know. Because I feel like it's just gonna. You're. I'm gonna. I'm gonna put all this time and effort and do it, and then it's not actually gonna, like, produce a result.

[A]

Oh, you mean the result of it?

[B]

Yes.

[A]

So it adds to your resume and skill set heavily. You have to remember, in general, right now, it is a tight labor market.

[B]

Right.

[A]

So that is regardless of what your education is, however, having an extra tool, like a certification through course careers.

[B]

But it's gonna do this, and you'll be an architectural drafter, and it's like. Yeah, but it still depends on you.

[A]

Your resume, your experience.

[B]

I don't have experience.

[A]

Exactly. And that's where a certification can help. But it also depends on your interview skills and how you form your resume. Okay, well, it depends on a lot of that, right?

[B]

So that's why I'm nervous. It's like, okay, obviously I'm gonna do it. Obviously I want to do it. I was gonna pay for it out of pocket to do it.

[A]

You ever leave a job and think, I'll roll over that 401k later? Because, yeah, later never comes. And that is why over $2.1 trillion, and that is trillion with the T now sits in forgotten 400. Nearly 25% of all 401k dollars are just chilling, doing nothing. And it's not slowing down. The Number of lost 401ks has doubled in the last 10 years. We're at 32 million abandoned accounts. Even the government's not immune. Almost 3 million forgotten TSPs from federal employees. And here's the problem. Rolling over a 401k is confusing and annoying. You've got to track down your old employer, deal with HR, and probably fax something, because apparently it is still 1998. And that is why I love Capitalize. They'll literally find your old 401k for help. You open or connect an IRA and handle the entire rollover process from start to finish. You just click a few buttons and they take care of the chaos. And with new private equity options entering 401ks, you're going to want to get control of your money before it gets buried even deeper. So stop donating your retirement to the void. Head to highcapitalize.com financialaudit or click the link below and take back your money today.

[B]

Okay. It's okay. Listen, I'm willing to work. I just, I need a break from being chlorinated. I'm swimming in bleach for.

[A]

That's fine. Listen, you get that for free instead of spending hundreds of dollars and you know, with your. Okay, when you get a job, set up a chime account, set up direct deposit, and then you immediately get hundreds of dollars for free.

[B]

Oh, okay.

[A]

Yeah. So there you go. So instead of paying for the certification, do that with chime. Okay. That's a special link in the below.

[B]

But set up that are. That will provide at least through November, December, January. Okay. Like, I'm, I'm, I'm confident that I will have things there. Like, I have another cleaning position at the pool. I mean, cleaning at the pool. Okay, yes, I will clean. I will do what I have to do. And just saying I can do swim lessons. Like, I have probably three special needs clients that would take twice a week. I have probably two or three littles that would take a few times a week. And I have two adults and I have one person who wants adaptive swimming. He has a spinal cord injury. And so I have that. So I have people that I can do the lessons. And like, you know, I will, but I'm like, dude, I'm so out on this.

[A]

Yeah. I mean, I'm being told you've been asking clients at Slim Lessons if you, if they, if you could clean their house. Yeah, I, I appreciate the hustle. Because you have to. The care credit's at 9. 2265.

[B]

That gets paid off every year on a regular basis. That is the one that.

[A]

I hope so. With a 41 minimum to payment. Right, but you're solid with it. And that's why there was a late fee this month for CareCredit. Because I'm solid with it. Yes. A late fee this month. And not only that, but approximately a late fee. I'm gonna say six months this year.

[B]

I don't know.

[A]

Five to six months this year.

[B]

Don't know.

[A]

Okay, but this is the one that you're so confident in because every year.

[B]

I pay it down to zero with swim lesson money. The first thing they get every year.

[A]

Listen, here's the thing. Every year can quickly turn into. We can't this year.

[B]

That's.

[A]

Just because it's happened doesn't mean it's going to happen.

[B]

I know, but I'm like, It's like, okay, I'm fully Confident that at the. By next summer we could be completely out of debt and like clear possibly have a little bit of an emergency fund started. But from there, where is it going to go? Because it's like, oh, you need to get retirement. You need to. It seems completely overwhelming to me, especially like even attempting to buy a house. It's like, at this point in time, why would you. Why is that even a question? Well, because at the. Because in the next five years, you know, my daughter will be 13. She can't have a house two bedroom, she can't share a room with her brother. And so it's like, do I build onto the house that I own?

[A]

But you can still rent there. Definitely don't build onto the house.

[B]

I don't know. But then if I'm renting, it's going to be at least 2,000 to get a three bedroom apartment or duplex or whatever. At that point, wouldn't I just rather have a mortgage payment?

[A]

Depends. Depends on where everything's looking. At this point, it's still renting makes more sense.

[B]

Usually at this point I feel like I'm gonna be 60. And that's.

[A]

Yes, you are on schedule for that. So that's what we need to fix. The deferred interest will hit and some in a couple months and a couple months more for the other ones. So that, that's pretty good.

[B]

If I can get to February without putting anything on credit cards, then the tax return will already seen you do.

[A]

That on these statements. Okay, we have a Gap card. Oh, God. Including $634 of purchases on this Gap card.

[B]

That's correct. That is for clothing for.

[A]

I know is. I know what Gap is, but that is still going against what you said you need to not do.

[B]

No, they needed to have clothes for the winner.

[A]

Well, you still did the thing you said you need to not do. Regardless, like you can justify anything, but in order to execute the plan you want to do, you have to.

[B]

It's a $30 minimum payment. They have to have clothes. They do have.

[A]

They don't.

[B]

But then what am I going to do?

[A]

You specifically said as long as I don't put cards on pay, you know.

[B]

Yes, you're correct.

[A]

And then you immediately do so on multiple cards we've looked at so far. This takes two years to off, by the way.

[B]

That'll be paid off by next.

[A]

Okay, it will, it will, it will. And then it doesn't. And then we are where we are today.

[B]

Come on. Look what you have done always paid off.

[A]

And then they're always brought back up. So that means nothing.

[B]

But what's the problem with that? If it's only.

[A]

You're losing interest and fees on care credit.

[B]

So. But then what is the like, good credit you're always talking about?

[A]

Like, if it's good credit is paying off every single month.

[B]

I do pay the minimum payment every month.

[A]

Late fee this month.

[B]

I've. Dude, I've had it for like 10 years. Doesn't matter. You're not a credit card person.

[A]

You've had two late fees this year so far on this one, two on another card, six.

[B]

On the last one I paid hundreds.

[A]

Of dollars of interest.

[B]

Zero. This year it's been paid to zero.

[A]

That doesn't matter. If it goes back up, then and then has late fees and interest accruing, it doesn't matter.

[B]

What's the point of it? What are you talking about?

[A]

To pay it off every month. And if you can't, don't have it. It's not a tool to your advantage.

[B]

No one can pay off like a 600 dol dollars a month.

[A]

I do. They do. He does. He does.

[B]

He does. Let me work for y'.

[A]

All.

[B]

You need some organizing done out there, by the way. No, I. Yes, I could, I could have this place looking like 10 times.

[A]

We've given up on this place because we want to move somewhere.

[B]

And I'll be your mover.

[A]

Okay.

[B]

Yeah, I'll. Well, I'm serious. I'm great at moving. I've moved like 13 times in a few years.

[A]

Okay.

[B]

Okay. Maybe.

[A]

I don't know.

[B]

Well, either way. I'm just saying the. The problem is.

[A]

And yes, it's multiple gap.

[B]

I need, I need to. Need solid work.

[A]

That's because this is also the spending problem.

[B]

And I got married. When Fox and I got married, it was supposed to be that, you know, he was going to be the. The breadwinner and I was going to be the stay at home mom. And we did that for a while.

[A]

Until it's like you wanted to be full trad.

[B]

We did want to be full trad.

[A]

Okay. And then I thought he couldn't even go outside and then I would.

[B]

Well, he forced himself to. He's quite socialized. It's just like this weird little mask he puts on, I think. I don't know. He's really funny.

[A]

Is that the 50? Is that what you're saying? I don't.

[B]

No, he's just fun to. You would think he's a really social, great person, but he like actually has social anxiety and just Stuff. But anyways, so, yeah, we were supposed to be full trad. And then it was like I started working part time and I always kept the summer job. Cause it was just so much income. And then slowly but surely now it's like, okay, now it's like we have to have that money. And so I'd rather like kind of slowly back down those hours and get something that can be year round for me that is just sustainable.

[A]

I mean, I can appreciate that, but there's also just lots of issues in here that are not an income thing. Because here's the thing. The Lowe's, I'm not going to put it down as a debt because it only has 16 bucks on it. Really, you should be able to pay that off. There you go. But this is indicative of the problem because you had almost $700 out on it, then you paid it off. But yet fee and interest still accrued, meaning you did not manage it correctly. You're not a credit card person. It was a late fee. You've had about four late fees this year so far on this card and hundreds in interest.

[B]

Interest.

[A]

You do not pay this off. It is at a 37% interest.

[B]

And he wasn't.

[A]

What? Him? Is this his card?

[B]

Yes.

[A]

It's not on your credit. You're an authorized user?

[B]

Don't know. I don't know. I don't know. I don't know. Actually, I don't.

[A]

Okay.

[B]

We're transparent. I mean, I.

[A]

We're transparent.

[B]

Me and him together? Yes. It's not like he bought anything in secret. Like, I knew he was using that and I was like, why are we doing this? He's like, I need it for my work because he lost all his tools. Blah, blah, blah, drama. And he's like, I'll pay it off. And then he, like, couldn't.

[A]

Okay. Is this indicative of everything that is going on here? What the even is that? What did you send me? What is this? No one's ever sent me some bullshit.

[B]

This. That's a Venmo.

[A]

This is Venmo exported as an Excel sheet.

[B]

That's what. This isn't me. I'm not some noob.

[A]

Medical. Well, there's lots of denieds and. Well, okay, so what am I looking at here specifically?

[B]

Cause that's just all medical stuff that was, like, partly paid off, but we're like.

[A]

But for Fox or you?

[B]

Yes, Fox box.

[A]

Okay. Okay. Hey, you own $14,000.

[B]

Yeah.

[A]

Medical. Well, that will go on collections now.

[B]

I mean, I. I can't. What am I gonna do? About that. I can't even get groceries.

[A]

You can get on a minimum payment and they can make it income based and yours is very low so it would be super small but at least so they don't send it to collections credit. Especially if you're talking about getting having to get another apartment, get another house. You don't want credit. And we already know Fox to have credit. Cuz the Fox card is going to be gone.

[B]

It'll be paid off, it'll be fine.

[A]

How you can tell have access to it?

[B]

I'll figure it out.

[A]

So what's a cost so much money?

[B]

He got severely sick and he couldn't work for like three months and he they ran all this test in the emergency room and it was like it was really up. So. Cuz we didn't have insurance at the time. Now we do have insurance so. Yeah. And then that was also from recently when he was in the jail and then got staff which turned into mrsa and then he had to have the emergency surgery. It was from that too.

[A]

Okay, on here Ally, I see a payment due but I don't see a balance. I'm assuming this is a car. Oh, here it is.

[B]

This is the car that.

[A]

Oh, a Kia. 2016 Kia.

[B]

Yeah. It's like. Like what?

[A]

This is your primary driver?

[B]

Yes.

[A]

Yep. $5,824.25. What is the interest on this?

[B]

A lot.

[A]

What? What is it?

[B]

I don't know.

[A]

Is it knows the payment's pretty small at 177.02.

[B]

I assume the interest is like at 25%.

[A]

When did you get this and why?

[B]

Oh, this is a story. Okay, so Fox had a truck that my parents actually bought him.

[A]

Oh good.

[B]

And then I had a car my parents actually bought me. And then he crashed his truck and then I got in an accident with my car and my car was fixable but his wasn't. And then my stepdad was like no, this car isn't safe. You just need to take my other extra car. So then I was driving his extra car and then we just had the one car that we were sharing for like nine months because we couldn't afford another car. And then finally we were like dude, we have to get another car so we're gonna buy a car. This is the first we ever bought either of us. Oh, I think Fox had bought one other car. We went there and we thought it was fine. And I read the contract and I was like yeah, this will be fine. And we got it. It turned out to be a Lemon, we had tried to get it fixed through them, through the, through the warranty, and it went into a lawsuit.

[A]

How much do you think it's worth?

[B]

Nothing. Okay, it's worth 6,000, $5,000.

[A]

Oh, okay, you're about break even.

[B]

No, we're not even close to breaking even. We're in the hole.

[A]

What did you pay for all that?

[B]

That we paid for that out of pocket. We paid the down payment. Oh, wait a minute. I think I paid half the down payment and my mom paid half of it. And then.

[A]

There's no personal responsibility here, dude.

[B]

It's embarrassing.

[A]

And is this 45 in student loans yours?

[B]

Yeah, yeah. I'm on a repayment plan with that, which is like, pay as you earn. I've been on it since 2013. And because my income is so high.

[A]

Get revised next year, payment as earned. I don't know. But everything's gotten a lot more simplified.

[B]

I'm fine with whatever they decide. I'm not going to complain.

[A]

Well, you'll be income based on the repayment assistance program. If that program that you're on right now is no longer valid.

[B]

I don't know, zero for 10 years.

[A]

Well, now it'll probably be like a couple percentage points, which is fine.

[B]

I mean, that starts next summer. That's another thing that I'm going to be different. It's like most people are like, oh, student loans. It's like, well, I signed the paper. I. I can't believe I haven't even dropped out.

[A]

Went back like a thousand times.

[B]

Yes. And still don't have theing paper to show for it.

[A]

Well, you shouldn't need to at 40 at this point. You should have the work experience that speaks for itself without the degree.

[B]

That's what I'm saying.

[A]

And I don't know if I would have stayed in.

[B]

I, I don't, I don't, I don't know. I just, I. I need a solid direction to be like, pointed in because I obviously have like, skills that are usable, especially I think, working with like special needs kids for like so long. I obviously have like, patience, determination, different qualities that would be great for any employee. I'm not too particular about what it would be. I'd love to be.

[A]

I want to look at your resume in the post show because it all also depends how you're framing it. If it looks like you're gonna just accept a job, to accept a job for a quick paycheck and immediately leave. No, because lots of resumes look like.

[B]

That at the top of it.

[A]

Well, I'll review it.

[B]

Okay. At the top of it, I put that I am eager to benefit a company to help make them money. I want to be a moneymaker for the company, to benefit the company.

[A]

And does Fox have student loans?

[B]

No.

[A]

Okay. Surprisingly, no overdrafts in this checking account. I want to make sure first though, before I go in. Oh, nope. Yeah, no. 130 and overdraft.

[B]

He's this year. Great, great.

[A]

I want to make sure first. Is that all the debt we got?

[B]

Yes.

[A]

Overdrafting. Why?

[B]

The.

[A]

Because your income hasn't gone down until now.

[B]

No, I mean the income didn't. I don't start swim lessons until May. Now. I had a tiny bit of income coming in from like part time coaching, but that was just like a few hundred. Maybe like up to 600amonth to like pay off some of the credit card minimum payments. And then like Fox was like working and paying most of the bills, but. And some of that. He. He wasn't because of. Because of mental health. Because he's going to prison because he broke his own morality and now his wife and kids are going to be abandoned for a year. Year. Okay.

[A]

An interesting one. Amazon restaurant. Amazon. Okay.

[B]

I get 50% off and I.

[A]

Still spending a ton.

[B]

Yeah, yeah.

[A]

30 bucks there.

[B]

I looked at it after I sent it to you and I was like, oh, I'm.

[A]

Yeah. So Amazon pool food. Amazon pool food. Amazon pool food. Prime video. Amazon Amazon prime video.

[B]

The prime video was for my friend and they paid me for that.

[A]

Okay, well, there was two of them, of them. And then Amazon. And then pool food. Amazon, Evergreen Restaurant.

[B]

Oh, more. Okay, good.

[A]

Netflix, Brevity. Amazon Swimlet. Swim.

[B]

Olet.

[A]

Prime video.

[B]

Swim.

[A]

Wait, gm. Yeah. Texas gm. American Etsy. Costco is probably groceries.

[B]

Yes.

[A]

Nax. Oh, canteen. Vending machine. Vending machine. Vending machine. Vending machine.

[B]

Vending machine. Vending machine. No, stop. Vending machine, stop. That is from when I. I went to the prison to visit.

[A]

How many vending machines you need to do while there?

[B]

Well, I have the kids, so I have kids and I'm like, we're there for four hours and they have nothing. And you're.

[A]

How are you going to prison?

[B]

You're not allowed to bring.

[A]

What do the kids think of this?

[B]

They know that if you break the law, you go to jail.

[A]

Yeah. What do they think about it?

[B]

They are sad, but they know that.

[A]

Do people with their kids know daddy's in jail?

[B]

I've told them. I'm like, like, you can tell who you want, but you need to know that if you. That you need to know that if you make the choice to tell people, you might get made fun of because this is something weird that like most families don't have to go through. So they kind of keep it to themselves.

[A]

Yeah, very smart. Amazon something department.

[B]

Maybe they're not allowed to bring food and drink.

[A]

Classic education and Amazon. Yeah, which makes sense. He already got in trouble for smuggling once already. No more needed.

[B]

Apparently. They get. And some of the inmates. I am. Some of the inmates get quote unquote packages from drones.

[A]

Well, yes, Prisons have a massive smuggling problem. Of course they get it somewhere.

[B]

I never knew it was like from drones. That's crazy.

[A]

Makes sense. Modern day technology analogy anyways. That makes sense.

[B]

No, he's not involved in any of that.

[A]

What I don't see was any savings or retirement.

[B]

Yeah, zero. Correct. None. Oh, I am. I am lined up to probably inherit the group swimming lesson program. My boss doesn't have any children or really any family. Cause I've been there for 15 years and I care about her more than any other woman because I'm responsible for you.

[A]

Yeah, but why would she pick you?

[B]

Well, she did, obviously, because she trusts me. She gave me a notarized copy of her will. Whoa.

[A]

And what will? Okay, so what is this valued at?

[B]

I'm not sure, but potentially 40 to 60,000 in two months.

[A]

Okay.

[B]

Okay.

[A]

Well, let's see how you manage it. Cause we have how you manage it.

[B]

I've already managed my own swim lesson program at the natatorium in the way that she does it. So it's viable and I can definitely maintain it. The only reason I can't do it full time at the natatorium is because I don't have the teacher supply. During the summer she has the supply of teachers because everyone's off of school. But during the school year it's way harder to get someone who's just going to work two or three hours. And that's okay.

[A]

Okay, listen, I'm going to make the budget. But before we do, I mean we got this. This episode was just wild. And we have so many more wild things in the post show more of her backstory. You can only imagine that got her into this, looking at her resume and just. Even her mom's just endlessly bailing out and we're going to talk about that even more.

[B]

Talk to. Please. Of course I want to. I don't want to just all over her.

[A]

Who?

[B]

My mom?

[A]

You don't have to. Okay, so total income 1500, I guess rent we're going to say zero because you're not required to. Utilities. Do you pay that?

[B]

I pay the electric and she pays the water.

[A]

How much is electric?

[B]

Electric is about 250amonth.

[A]

Internet?

[B]

80.

[A]

Do you.

[B]

I pay it.

[A]

Let's get your minimum debt payments without student loans or medical yet. Okay, well this eats a third already, right? $507.20.

[B]

Yep.

[A]

Two cents. Now, to be clear, I want to make very clear because obviously this is going to be very tight. Do not pay debt. If it comes between choosing to pay a minimum payment or paying for utilities and food on the table. Debt can go itself when it comes to the necessities of the house, to be very clear, I want you to pay debt. I want you to be okay. Phone bill.

[B]

My mom pays it. I know.

[A]

Groceries. What do you budget for groceries?

[B]

So we do Costco like maybe every two months. Maybe like six weeks to two months. And it's usually two to three hundred dollars. And then H E B is like anywhere from 50 to 100 a week depending on how much Costco, like kind of the weight is in Costco because I get like a lot of frozen meats and like yogurt and bowls.

[A]

Tell me for all three of you, do 400amonth?

[B]

Four to 600. Okay.

[A]

I was going to say it depends. Yeah, well, at minimum, even that's a bit tight. I want to say six.

[B]

They eat with. They eat dinner with my mom sometimes cuz like she picks them up from school. Okay, then I'll say five.

[A]

Okay. Vroom. Drive. Drive.

[B]

Gas. 40 bucks a week.

[A]

Okay, so 160.

[B]

Yep.

[A]

Car insurance?

[B]

11 65. And that's also renters. Renters insurance. But I've already paid that out through I think February. So I don't have.

[A]

I'll put an Astros by it then. Okay. And TP fund anything else for you and the kids? I'm gonna say 150. We're keeping a really tight. Sports, activities, whatever, whatever. Tampons, all the good stuff. Okay. Medical, healthcare. Are there co pays on a monthly basis? I need a put in.

[B]

No, I mean we have the insurance.

[A]

It's horrible to say, but I can't put any pet insurance. But how much for pet food?

[B]

About 60amonth. Okay.

[A]

Subscriptions? I'm not even going to try.

[B]

I have Netflix and Amazon prime and Spotify.

[A]

Let me see if I can put in 20 and you figure out where it goes. 25. Is there a gym?

[B]

No.

[A]

Okay.

[B]

Absolutely not.

[A]

I just. Okay.

[B]

Bro. I can't even pay to like get groceries. I'm not going to the gym. Every subscription you do push ups at your house for free.

[A]

Yeah, I'm sure that's fine. I mean cuz yeah, you're already over budget by hundreds and I didn't even do pet insurance which you pretty much have to do at 50 bucks a pop. You're already at 1900. This just doesn't make sense.

[B]

I know but.

[A]

Which is why in my mind debt will go up and then you focus on paying it off again in the summer and then it goes. It's just gonna be a rebound.

[B]

I need a solid career. That's.

[A]

I agree.

[B]

I need to be the breadwinner. I need to be the breadwinner and.

[A]

Here'S what I'll do.

[B]

When Fox gets out he can figure out what he's gonna do and if we have a full time incomes would be great.

[A]

I agree with that. Listen, I'll get you as many course career certifications as you want us should we just do one. But you need to figure this out. I'm doing this for the kids. I'm not even doing it for you. Honestly.

[B]

Thank you.

[A]

Because to go get a career now, so you're going to get. Gather as much as you can and you're going to start working. But it's going to be harder to start a career. 421 really is.

[B]

Now that you can't.

[A]

Not, not, not that it can't be done but well brought from scratch without the experience. Yes, it will be harder. So you're going to focus on that and then you're going to go hard into grinding 40 hours a week at a job that is a consistent level income while working second and third jobs as well. Now once you actually start bringing in like 2500 bucks we should be able to tackle down this a lot of this debt relatively decently. It's going to take a few years still but that's fine.

[B]

In June I'm going to be making.

[A]

We're not relying on that anymore though. Because you're focusing on getting a career now that is consistent.

[B]

Right. But I'm, but I can't leave the pool. I have to at least maintain some. That's another. That's another hard part because that's going.

[A]

To throw a complication into your career.

[B]

If I'm going to inherit the program I have to at least. Okay.

[A]

When's the inheritance going to be?

[B]

Well, she's like 75 I think so I don't know how long she's gonna keep doing it so.

[A]

Well, you haven't had a conversation.

[B]

I mean, a little bit. She'll probably do it for another 10 years.

[A]

How do you start a career if in the summer you can't do career?

[B]

I don't know.

[A]

Okay, then I'm just gonna go to the post office.

[B]

Because I would work both. Because I would work both. I would work two jobs like you're suggesting. Or three jobs.

[A]

Yeah, but the hours are. Okay, well, whatever. Hammer, financial score.

[B]

Okay.

[A]

Spending a budget, you overspent, zero out of ten. Debt, well, medical is basically in collections, but it's not technically yet 1 out of 10. For your income level, for sure. Emergency funds, 0 out of 10. Retirement, 0 out of 10. Real estate, 0 out of 10. You don't own the house yet. You're not on the deed yet. Rounded up 5 out of 10. Click that join button for an extra insane 20 minutes of this episode and every other episode by joining Hammer Lee, including three premium shows posted every single day Monday through through Friday. Number one membership on YouTube for a reason, ladies and gentlemen. See you there. I just want to be able to.

[B]

Make money for my kids.

[A]

It's okay. I get it.

[B]

It's not okay. That's the point.

[A]

Well, no feelings, okay?

[B]

And I brought my kids into it.

[A]

ICE has really big sign on bonuses.

[B]

Right now, Hammer Elite is the best.

[A]

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