This Has Never Happened Before | Financial Audit

Summary

Financial Audit Podcast Summary

Episode Title: This Has Never Happened Before | Financial Audit
Date: April 1, 2026
Host: Caleb Hammer
Guest: Kelsey, 29, Dispatcher from Central Florida

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Main Theme

This episode features Kelsey, a 29-year-old 911 dispatcher from Central Florida, as she undergoes a brutally honest financial audit with host Caleb Hammer. Their conversation covers Kelsey's spending habits, the long-term fallout of a messy breakup, failed attempts at adulting, and her struggle with debt, career choices, and personal accountability.

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Key Discussion Points & Insights

Kelsey’s Career and Income

• Position: Law enforcement dispatcher (handles both dispatching and taking 911 calls).
• Salary: ~$28/hour, averages about $4,200/month net with overtime. Described as a tough, underpaid job ("$28 bucks an hour isn’t necessarily bad, but in Central Florida... that's a tough gig" — Hammer, 02:45).
• Work Schedule: Alternates between short and long weeks, totaling 84 hours per two-week pay period. Picks up additional overtime as needed.

Blaming the Ex and Taking Responsibility

• Initial Blame on Ex: Kelsey attributes many of her financial problems to the bad habits she picked up during her two-to-three-year relationship, chiefly eating out excessively and poor budgeting.
  • “I kind of blame my ex for like giving me a bunch of bad habits.” — Kelsey [05:58]
• Caleb’s Rebuttal: The host is relentless in challenging her narrative, arguing that her issues stem from personal choices and lack of self-discipline, not her ex or her "nearly 30 crisis."
  • “That’s not your ex’s fault. That’s you not being a grown ass woman.” — Caleb [07:45]
  • “Your coping excuses are so stupid, especially when they're baked in irrational dumbassery.” — Caleb [63:31]

Mid/Quarter-Life Crisis and Questioning Life Choices

• Midlife Crisis: Kelsey describes facing a crisis upon turning 29 and reevaluating her happiness in her relationship, job, and life in Florida.
  • “Or is this where I want to be? So I just had all these questions…” — Kelsey [14:00]
• Drastic (and Costly) Responses: Her reactions to the crisis included flying to LA for unpaid background acting work, impulsive shopping sprees, considering new wardrobes, and enrolling in graduate courses.

Acting Dream and Costly Decisions

• Pursuing Acting: After her breakup, Kelsey spent money traveling to LA for an unpaid gig as a movie extra, framing it as an “opportunity,” which Caleb calls out as delusional financially.
  • “You flew to LA a week later to be a background person.” — Caleb [20:25]
• Justifying Purchases: Kelsey repeatedly justifies large and unnecessary expenses (“I just liked having an iPad... it helps me remember.” [76:17]) and is called out by Caleb for wishful thinking and denial.

Graduate School and Career Path

• Graduate Certificate: She's pursuing a graduate "crime analyst" certificate to escape dispatch work, though likely facing a future pay cut based on local salary data.
  • “You’re getting a $45,000 a year certification. Doesn’t really make sense to me.” — Caleb [27:36]
• Job Prospects: Despite her aspirations, she wants to stay in law enforcement-adjacent roles—even if the financials don’t add up and alternatives (federal work, other fields) are suggested and rejected.

Living Expenses and Reluctance to Change

• Rent: Kelsey pays about $1,950/month, nearly half her take-home pay. She's unwilling to move to a cheaper/smaller place, despite numbers showing this is unsustainable.
  • “47% of your budget goes to rent and utilities — that's disgusting.” — Caleb [39:03]
• Lifestyle Upkeep: She refuses to make meaningful sacrifices: won’t move, won’t sell her car unless forced, and continues premium spending habits (e.g., $229/month Pilates, DoorDash, Lyfts/Ubers).

Debt and Budgeting Failures

• Credit Card Chaos: Kelsey has $57,000 in total debt — almost all non-mortgage, "bad debt," across credit cards, loans, and a recent car purchase.
  • “Your spending was $10,300. Shut the up. Shut the up. You can’t tell me I’m just not spending on here. You will. Your spending is egregious. It is twice what you make.” — Caleb [75:51]
• Budgeting Attempts: Despite her accountant mother creating a budget for her, she admits to consistently ignoring or overriding it. Uses emotional rationale for financial decisions.
• Credit Card Mismanagement: Frequently opens new credit cards (even for Taylor Swift ticket giveaway; [73:16]), balance transfers “to kick the can down the road,” and racks up fees.

Excuses, Denial, and Social Fears

• Victim Mindset: Kelsey frequently justifies spending and avoidance (like DoorDash instead of walking) due to irrational safety fears, largely attributed to overconsumption of true crime media/TikTok.
  • “You're the classic woman in 2026… just listening to true crime all day and you're terrified.” — Caleb [53:33]
• Denial and Deflection: Patterns of deflecting criticism, blaming external factors, and being slow to accept consequences—even with clear evidence from account numbers.

Recommendations and “Hammer” Tough Love

• Caleb’s Guidelines:
  • Sell the car and replace with a cheap used vehicle to free up ~$10K.
  • Downgrade apartment after lease is up, or sooner if possible.
  • Cut expenses on fitness, eating out, DoorDash, luxury spending.
  • Work as much overtime as possible for two years to aggressively pay down debt while stuck in her current job (due to tuition reimbursement rules).
  • Stop using credit for wants and get real about needs vs. wants.
• Reality Check: Caleb repeatedly reminds Kelsey that her problems are of her own making and that drastic change is her only way out.
  • “You want everything with sacrificing nothing. To be very clear. Shut the up.” — Caleb [91:53]

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Notable Quotes & Memorable Moments

• On Blaming Her Ex:
  • Caleb: “That’s not your ex’s fault. That’s you not being a grown ass woman.” [07:45]
• On Budgeting & Self-Delusion:
  • Caleb: “Your coping excuses are so stupid, especially when they’re baked in irrational dumbassery.” [63:31]
• On Acting Aspirations:
  • Caleb: “You left your guy for that? This is... what a mess.” [30:09]
• On Living Expenses:
  • Caleb: “47% of your budget goes to rent and utilities — that's disgusting.” [39:03]
• On Credit Card Application Just for Taylor Swift:
  • Caleb: “You opened a Capital One credit card for the chance of a giveaway? Wasn't even to buy the tickets? Bro, that's the most ridiculous thing I’ve ever heard.” [73:31]
• On Social Fears and DoorDash:
  • Caleb: “You’re the classic woman in 2026... just listening to true crime all day and you’re terrified.” [53:33]
• On Her Spending vs. Income:
  • Caleb: “Your spending was $10,300. ...Your spending is egregious. It is twice what you make. Twice what you make.” [75:51]

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Important Timestamps

• [02:08] – Introduction: Kelsey’s background and job as a dispatcher.
• [05:58]–[08:05] – Kelsey blames ex for bad habits; Caleb challenges her responsibility.
• [13:31] – Discussion of her "crisis" and impulsive decisions.
• [20:25]–[21:01] – LA acting trip critique.
• [27:36] – Caleb highlights poor return on education investment.
• [33:02] – Discussion of unsustainable rent.
• [39:03] – Rent + utility overhead is called “disgusting” by Caleb.
• [53:33] – Analysis of Kelsey’s safety fears and lifestyle coping mechanisms.
• [61:36]–[66:53] – Deep-dive into credit card dysfunction, balance transfers, and debt spiral.
• [73:16]–[74:12] – The Taylor Swift credit card anecdote.
• [75:51] – Shocking reality: Spending equals double her income.
• [90:53]–[91:53] – Budget breakdown; Caleb insists on car sale and downshifting.
• [95:00]+ – Summary, Hammer Financial Score: Kelsey scores a 3/10.

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Host Tone and Language

• Unfiltered Honesty: Caleb Hammer is direct, sometimes abrasive, but pushes for acknowledgment of personal responsibility.
• Sarcastic & Tough Love: Employs heavy sarcasm, humor, and mock disbelief to confront guest’s delusions.

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Conclusion & Financial Audit Score

Kelsey receives a Hammer Financial Score of 3 out of 10, reflecting:

• Excessive debt accumulation via credit cards and loans
• Refusal to adjust lifestyle despite costs far outpacing income
• Ongoing self-justification and victim mentality
• One bright spot: a solid retirement balance for her age

Final advice: Kelsey should sell her car, cut living expenses, abandon "wants" for "needs," work overtime, develop a sustainable budget with real discipline, and confront her avoidance patterns head-on.

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For listeners:
This episode is a masterclass in personal finance "tough love": dissecting self-deception, confronting excuses, and showing the painful but necessary path to solvency.

Transcript

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[A]

I kind of blame like my ex

[B]

for like oh cause we have no personal responsibility.

[A]

Of course didn't get tickets to see Taylor Swift in Miami so they were doing a like a giveaway. If you had a capital one card.

[B]

What? You opened a capital one credit card just for the chance of a giveaway? Wasn't even to buy the tickets? What is wrong with you? I could never live my life like you. You are a broken individual.

[A]

And then I also was like having like a crisis last year of like almost turning 30.

[B]

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[A]

Hi, my name is kelsey, I am 29 years old. I'm from Central Florida and this is Financial Audit.

[B]

Thanks for coming over to Austin. What do you do in Central Florida for a living?

[A]

I'm a dispatcher.

[B]

What kind of dispatcher?

[A]

What are you Dispatching, like, police, law enforcement.

[B]

Okay, that's the second time we've had that on the show is years ago. Um, very depressing job, but, you know. Oh, wait, no, that's actually. That was a 91 1, just like, call operator. So you're just dispatching. You're not actually taking the calls?

[A]

I do both.

[B]

Oh, never mind. Depressing job. Okay, what do you make, especially in central Florida? You got some.

[A]

Yeah, yeah, I make meth ones. 28 something an hour.

[B]

Sake, man. I don't know how we're getting people to do that for 28 bucks an hour, but, I mean, 28 bucks an hour isn't necessarily bad, but central for has dramatically gone up in terms of cost of living. It's more stabilized, trend down, but still not even close to where it was just a few years. Um, and even so, $28 doesn't stretch as much there, but it's still halfway decent. But for that job, man, out of all jobs, it's absolutely a brutal one.

[A]

Yeah, we're not even considered first responders, so.

[B]

Well, I guess you're not responding.

[A]

No, but when you call 911, who do you talk to first?

[B]

Okay, so how many hours a week are you working?

[A]

Well, it depends. We have, like, short weeks and long weeks, but every two weeks it's 84 hours.

[B]

Okay.

[A]

And that's if I don't pick up

[B]

over time, it hits your account. Um.

[A]

Oh, shoot, I did have it written down. 20. I don't want to say.

[B]

Well, you budget it, and I assume you have to budget it. You would know the number so you can survive.

[A]

Yes, but, like, sometimes I work overtime, so, like, it depends. And like.

[B]

Okay, how much overtime do you work?

[A]

Well, it depends.

[B]

Usually. Okay, what's your average pay? Your average pay.

[A]

I want to say it's a little over, like, 2,000.

[B]

You want to say now, is it in reality, when we say a little over 2000, are we saying 2100, 20, 200, 20, 52,000?

[A]

No, without overtime, I want to say it's like, just a little.

[B]

Yes, but there's overtime. So what is just the average.

[A]

But it's not consistent.

[B]

It's not consistent, but on average, how much do you bring?

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[B]

And per pay period. Duh.

[A]

Um, probably like 2100.

[B]

And that's every two weeks. Every other week.

[A]

Every two weeks. So I bring in like 4000 something a month.

[B]

Well, that would be 4200.

[A]

Okay. I'm not good at math.

[B]

Neither am I. But that 2,100 times two.

[A]

Okay, sounds good.

[B]

Yep. So 4,200 in Central Florida again, please. Are you a dual income household or is that it? Okay. Yeah. So $4,200 net. That is going to be more difficult to make a living off of for sure. So what's going on? What are we talking about? Cuz that, I mean you could budget it. We could, we could actually, we could budget that. It's just the rents is going to be a little chunky for you. So what's going on?

[A]

Well, I kind of blame like my ex for like giving me a bunch of bad habits.

[B]

Oh. Cuz we have no personal responsibility. Of course. Okay. I would understand if it was like I blame my ex for making me and immediately having to get a place to live because we moved out from a job when.

[A]

Well first of all, no, we didn't live together, so.

[B]

Okay then what the like honestly how you're blaming someone you weren't even that.

[A]

Well, we just had like very different finances and so like he loved.

[B]

Great. So he didn't rub off?

[A]

No, he just.

[B]

Because we're completely different.

[A]

No, but he liked eating out and like didn't like he like he actually said like he didn't like home cooked meals so like we would eat out all the time. So then I had the bad habit of eating out and even when I tried to cook dinner like he didn't like it and so like, okay, great,

[B]

when did he break up?

[A]

Or well, I broke up with him,

[B]

but that's what they all say.

[A]

Like October, November, depending on how you look at it.

[B]

Girl, this is months ago. I understand the transitionary period. Well then even two months if I'm being generous. What the are you talking about? How long are you guys dating?

[A]

Two to three years, depending on how you look at it.

[B]

Okay, well so I'm guessing three then.

[A]

I don't know, kind of.

[B]

What? Were you dating or not? I don't really give a. Okay, I can. I can understand lifestyles changing within a few years of being with someone, so I do understand that. That's what I was trying to establish. But even still a month transition is reasonable. Two is stretching it, but I will accept it. Where, what, four, five months later?

[A]

Yeah, the is going on.

[B]

Why can't you just be a Damn adult? You're 29. You're saying you couldn't struggle to not go into a Mickey D's versus standing in the kitchen, not a woman thing. As a 29 year old adult five months after a breakup, you couldn't handle that?

[A]

I was like a bad, like I was a bad habit. So I just kept eating out and then I.

[B]

Well, this is you not changing it then. Because I understand a month of transition to max five months later. It's just you continuing the habit, not addressing it. Yeah, that's not your ex's fault. That's you not being a grown ass woman is wrong with you. Yeah, I'm sorry. You can't blame him. Five months later with you eating out. What are we doing? What kind of cope is that? That's ridiculous.

[A]

My air fryer was kind of broken, so like I needed.

[B]

Oh no, get a new one. That's. How many McDonald's trips is that?

[A]

I eventually got a new one.

[B]

Event did. It took us months to get it out.

[A]

Christmas.

[B]

Christmas was three months ago. Now if not.

[A]

Yeah, yeah. And then I also was like having like a crisis last year of like almost turning 30 last year.

[B]

We're three months into this year and also nothing happens when you turn 30. You turn 30. Are you a child? I'm so confused. What is your crisis? Our ovaries are getting drier. Like what's happening?

[A]

No, I just felt like I wasn't like an adult. So like I was trying to like

[B]

I was certainly not acting like it. So our crisis means if you were having a crisis last year about almost turning 30, you should be addressing all the Stuff that you just blamed on your ex. That doesn't really make sense. I mean, I'm being told. He literally told you that you're bad with money. Yeah, if he's telling you you're bad with money and you're blaming all the habits on him, like, what the are we even talking about? This is you being a child again, even more.

[A]

Yeah, but we had very different finances, so I didn't really trust his opinion. Well, there's, like, one thing that I can't really go into, but, like, oh, good. Sorry.

[B]

But I'll go to being on a podcast about your information.

[A]

Well, that's his information, not my information.

[B]

Okay, but you're basing your entire establishment thing that we're about to talk about right now off of him.

[A]

Bills. We had different bills, so it's like him saying he was. I was bad with finances. When we make different amounts of money, he made more. We just had different bills. And so I had, I had more that I had to pay for than he did.

[B]

What's. I, I, I'm kind of confused on how that impacts anything. Adjust your spending.

[A]

Well, I'm saying that. No, him saying that I'm like, a bad with my money is just like, maybe he didn't. We didn't have.

[B]

Were you bad with your money? Maybe you're on financial audit, so I would say yes. Actually, no. This doesn't make any sense. But if he's telling you that, how can you even blame it on him, though?

[A]

Well, like I said, he gave me, like, bad habits. He would just, like, spend money and like, not really think about it.

[B]

Gave you bad habits. He was using his money the way maybe he could or maybe shouldn't. Doesn't matter. That doesn't affect you. But he was also telling you at the same time that he thought you were bad with money. It's also telling you you drank too much. For what it's worth, I'm hearing okay,

[A]

yeah, but he didn't drink at all. And getting drunk at, like, friend's open bar wedding is not, like, drinking too much.

[B]

Is that all that happened? I don't think someone says you drink too much when you get drunk.

[A]

Once, no. And then there was a megacon party, like, the next month, but other than that. No, I. Those are the two times that I was drunk last year.

[B]

Drunk. I don't think it's just about getting drunk. You would order drinks. I have notes from, from the situation with him that he would always have to cash app you when you guys were going out because you were just getting drinks left and right and he wasn't?

[A]

No, I was just.

[B]

So you were just spending more. I again don't think that's his behavior. I think it's. In fact, I'd actually say maybe he was actually doing pretty well if he's caring about those extra surcharges that you're putting on the bill all the time. Maybe he was actually very financially confident, secure.

[A]

No, but if you went on a date budgeting, you went on a date, you're going to cash up your girlfriend because she got like a cider with her dinner.

[B]

So potentially it depends on the relationship. Listen, I'm not, I wouldn't. But, but clearly I don't think if you were implementing the habits he put you on, you wouldn't be in this position. If his habits are a guy that would cash app request a cider.

[A]

Well, I wasn't going to cash app him when like we would go out to dinner.

[B]

Well, then you aren't picking up his behavior. Honestly, you're just getting the behavior that you like. The behavior that feels good to you and you're cope blaming it on him. Because again, if you were picking up his behavior, you would pick up that potential good habits. And I, I'm not saying you necessarily need to do that in a relationship or on a date, but clearly he was someone that budgeted, cared about every purchase. Yeah, if he's ca.

[A]

He did not budget. I promise you that if he's cash,

[B]

cash apping you for every drink, he is clearly at least mental budgeting thinking about the price of where everything is going.

[A]

No, he just didn't think it was fair that he had to pay for my drink when he doesn't pay.

[B]

Did you guys split the bills?

[A]

No.

[B]

So he would take 90% of it and you would pay for the drink?

[A]

No, like he would cash at me then for my dinner. Like he would, he would end up.

[B]

So you guys would be splitting it.

[A]

Oh, yeah.

[B]

So there you go. What's. If that's what you guys were doing, then who cares? Obviously it makes it. If you guys split the bill, then yes, if you're taking the drink, it makes sense that you would pay for the drink. Why would he take a part of the drink? I'm confused.

[A]

Well, like you want a date?

[B]

Like, yeah, but if you guys are paying for your. What you guys consume, why would he take on your drink? That doesn't make any sense.

[A]

But like if you're going on a date.

[B]

Oh my gosh. But you guys stop saying but if you're going on a date. You guys already decided and were okay with taking care of your own part of the check.

[A]

We didn't really talk about and agree with it. I would just like.

[B]

But you were doing it constantly, meaning you were accepting it going into each situation. Yeah. You can't have it done 100 times in the past and expect something different the 101st time.

[A]

Well, eventually we talked about it and I was like, hey, let's like alternate. And then he. That's when he was like, well, I don't think it's fair that I have to pay for your drink when I don't. But then I was like, we would alternate. Like, like, you buy one meal, I would buy like the other. And then it's like, that's.

[B]

I, I understand his perspective. Again, I wouldn't necessarily do it, but he doesn't have a wrong perspective necessarily about that. And. But it still doesn't make any sense how you're blaming everything you're in based on that relationship. That doesn't make any sense. That's literally what you said.

[A]

The other half is like the crisis that I was having.

[B]

What Crisis? Oh, the 30 crisis? Yeah.

[A]

Okay.

[B]

What is this crisis? Please tell me this crisis. Inform me about your special little crisis.

[A]

Well, I was about to turn 29. Or it was like I was 28, about to turn 29. And I was, okay, that's not 30, it's almost 30. And so I was like, well, I'm not, you know, when you're just like, well, am I happy with where I am in life? And I like. Or is this where I want to be? So I just had all these questions and I started like, do you never

[B]

just think about that? You thought about them in one big batch for the first time ever?

[A]

Yeah, kind of.

[B]

What the. What's wrong with you?

[A]

Okay, probably a lot of things, but

[B]

why aren't you thinking about. Okay, I don't know. You never think about your life.

[A]

No, but like, I just, like, I was like, I started thinking like, am I happy in this relationship? Am I happy in my job? Am I happy in where I'm at? Do I still want to be in Florida? Like, I started thinking about all these things and then I was like, oh,

[B]

I'm like mid life crisis at 29.

[A]

Well, you can't call it a quarter life crisis, so. Because 25 is quarter life. So. But anyway, so like being immature. So then I just started thinking about everything and then I was like, oh, I have to make a lot of changes. So then Some of the. Some of it came from, like, all these changes that I made.

[B]

What changes? You haven't budgeted anything. What changes are you talking about? You mean just breaking up with him?

[A]

Well, that was one of them.

[B]

Okay, why? Why. Why did you pull the trigger on the guy that ruined 50% of your finances? Apparently.

[A]

Oh, there's a lot of things that would take too long to go into, but, no, I just was like, I don't. It just. I don't even know how to.

[B]

Wow. That was nothing. How about an answer?

[A]

I wasn't happy. He wasn't really always being nice to me. And, like, it just.

[B]

What is that? We were in, like, beverages.

[A]

You like, we were in couples counseling, and it just was. It was like every month was getting worse, and then every week was getting worse, then worse.

[B]

In which way, if you're blaming all your finances on him, you have to tell me how it's getting bad.

[A]

Well, we were just always fighting, and it was like, everything. Like, I got to the point where I felt like I couldn't.

[B]

You can't give an answer. You're just, like, general term.

[A]

He would get mad when I would go hang out with my friends. He would get mad every single time. I was only allowed to have plans pretty much if he was already busy. Like, if I was like, hey, I

[B]

want to go hang out, what would he say?

[A]

Like, what do you mean?

[B]

What would he say if I asked him about that topic?

[A]

The same thing.

[B]

He would say, no, I don't want you to hang out with your friends.

[A]

Say, he would say that I was not prioritizing our relationship. Even though.

[B]

I mean, is that true? Were you guys having enough quality time?

[A]

Our schedules were a little opposite, but

[B]

sounds like you guys weren't having enough quality time. So every time that you guys had those available moments, you would go away. And I think that is relatively fair. Especially if a relationship is struggling. Quality time is critical at least a few times a week.

[A]

Well, yeah. So then I would be like, hey, I want to go hang out with so and so either Friday, Saturday, Sunday, which day would work best for you? And then he either wouldn't get back to me about it, or he would just be, like, annoyed that I wanted to go have dinner with a friend for, like, a couple of hours.

[B]

And listen, I agree. I wouldn't be too crazy, but he

[A]

could do whatever he wanted.

[B]

I know I would want you to go out and do things. It sounds a bit hypocritical, but again, if you're saying there wasn't enough Quality time. Potentially relatively fair in general to be upset to a point.

[A]

But then he could go do whatever he wanted. Like, he would be like, so what else?

[B]

What else? This is the whole root cause of your finances, except for the crisis.

[A]

He didn'. Support me going back to school just because it would take time away from us. Even though it would be better. It could be better for, like, my career path.

[B]

Okay, what was his excuse? Because he wanted to see you. Because he wanted to work on the relationship, though, when he was talking about.

[A]

No, he would just say. He would say. He literally said the only reason he didn't support me going back to school was because it would take time away from us.

[B]

Yes, but because he wanted to work on the relationship or just. Oh, my gosh. You seriously cannot answer questions. What the is wrong with you? Well, you just repeated yourself. And then I answered to go deeper.

[A]

And you could want to work on the relationship. Like, he wasn't proving it. Like, we went to couples counseling, and he wasn't willing to change anything. He didn't think he was doing it.

[B]

What did he need to change?

[A]

Just, like, probably being less selfish.

[B]

What was he being selfish on?

[A]

It was always his. It was basically his way or the highway about, like, everything. Like, I would go to Pilates, and he was giving.

[B]

Okay, was it because he said that you guys needed to spend more quality time together to work on the relationship?

[A]

I mean, is that pretty much it?

[B]

It's just a time thing? That's all you guys disagreed on?

[A]

Yeah, but, like, he would get mad when I would literally go do anything,

[B]

which sounds bad in the. And actually might be. But that's why I'm trying to ask. The question is if it was because he was trying to make sure there was quality time to fix the relationship. And you cannot answer that question. It's kind of pathetic the way you can't answer that.

[A]

He didn't say it word for word like that, but I guess word for word, he would say he was.

[B]

Was that ever talked about. Exactly. Was that ever talked about in couples therapy?

[A]

Yeah.

[B]

Well, there you go. So you have the answer. So it's not just he didn't want you to spend time with your friends. That is you manipulating the topic. That is you manipulating the topic. That clearly wasn't it. It's because he wanted to work on the relationship. And the fact that you had to skirt around that like crazy is clearly showing that you try to manipulate how things are working. Now, don't get me wrong. If things were going relatively well in the relationship, and we weren't dealing with quality time issues, and we weren't in couples therapy trying to fix it. And he was getting mad at you for doing literally anything and be like, no, you can't go back to school. I want to spend time together. I would be totally anti him. And I still probably am anti him to a point. Don't get me wrong. But even still, the way you were trying to skirt around the answer about how clearly he was just trying to set some more quality time aside because you guys were dealing with that issue in couples therapy is really weird. Also, he's not here, so it's not the biggest topic in the world. But the fact is, I might call him. Honestly, if I'm being completely real. We'll see. I'm probably gonna call him. Actually, I will call him. But either in the episode, in the post show, we'll see how this thing goes. But you're blaming all your finances on him. So I need to figure out how the relationship 50%. So it's important to know how that relationship was ending. And that makes sense. I understand why you ended it. I think you were clearly checked out for a long time. If you are not putting quality time aside and not willing to work on that.

[A]

I was trying to put quality time aside, but it was like, I'm not. If I'm not gonna let somebody control me. And I wasn't controlling. So how are you gonna tell me what to do with my time when. Especially when I'm like. He would just be like. It would be Friday and he would be like, with him? Yeah. Oh, well, we don't work, like, together together. But he still works at, like, my agency. Yeah, but, like, I haven't talked to him in however many months.

[B]

Okay, so now what did this crisis, though, deliver into actually here? Because that doesn't make any sense.

[A]

Well, I.

[B]

You fix things. All that you did was end a relationship that you already checked out on. But okay.

[A]

Yeah. And then what else?

[B]

You're still in Florida, so there Wasn't that correct.

[A]

Well, I'm not gonna leave Florida until, like, my parents are there.

[B]

I know, but you said that was one of the things you're thinking about in your crisis. So I don't know if that's the other 50% of why the. You're in a bad situation that has led you onto financial auto. What is going on?

[A]

Trying to get there.

[B]

Okay. Get there.

[A]

Well, then I was like, oh, I still dress like I'm in, like, high school or college. So then I wanted to buy a New wardrobe. And then I also was like, hey, I used to want to be an actress. What happened with that? Maybe I should give it a go. And so then I into.

[B]

Okay, you looked into it. Please tell me you found nothing.

[A]

Well, no. I went to LA in November, like a week after I broke up with him.

[B]

What? Yeah, you. We see how she is now. She broke up with the guy that she wasn't willing to put work into that he was begging for extra help on for quality time. And then she goes to LA a week later. Are we starting to understand the picture here?

[A]

An opportunity.

[B]

Are we starting to understand the picture here? What happened with a little love la dream?

[A]

Oh, no. I was out there for like 42 hours because I got an opportunity to be background in a movie. In an indie film.

[B]

Opportunity to be background in a movie. What? What?

[A]

What? In an indie film?

[B]

What was your type of background? What were you doing?

[A]

Literally just background.

[B]

Oh, my goodness. You consider that an opportunity? Were you paid?

[A]

No.

[B]

Exactly. How you flew to la.

[A]

It was an indie film and they're like, on a budget.

[B]

I know. So why. That's not an opportunity. You didn't have an opportunity. You did something that was just cool for fun. Fun. You didn't have an opportunity. That's not set on your IMDb.

[A]

It will be.

[B]

When did you do this?

[A]

It was in the beginning of November.

[B]

It's not on your IMDb.

[A]

Well, not yet, but it will be. It'll be like the end of. I think it's 2020.

[B]

Girls scene in the background. If you're even there.

[A]

Well, they said we would get IMDb credit.

[B]

That's also. If that. That if you're even in the shot or if that scene's even in the movie, things could cut all the way down.

[A]

One scene will be in the movie for sure. There's one scene that might be cut.

[B]

And what were you doing? Literally just standing very far in the background.

[A]

Depends on what scene they use or what to face.

[B]

The one that you said for sure is gonna be in.

[A]

Well, they did a couple takes. So I'm either gonna be in the far back of it, or I'll be doing what?

[B]

Drinking? What?

[A]

No, just kind of standing there.

[B]

Oh, my. Okay, so this is your acting dreams taking off. You left your. Well, it seemed like you left the guy that loved you and was trying to fix things and was going to couples therapy for you, for you to do that, to pursue that. That's your Love LA Dream.

[A]

Okay, well, that's a bit dramatic.

[B]

Is it? Because you literally went Like a week afterwards. I don't even think that's dramatic. You know, that's clearly how you're doing it. You're. You're honestly just being that. Spring is starting at the Home Depot and we're bringing you low prices guaranteed so you can wake up your yard this season. Shape up your lawn with top brand outdoor power tools like this Ryobi 40 volt mower with up to 50 minutes of runtime. Bring in a splash of color with spring blooms and fresh plants from the Home Depot garden center. Then refresh your garden beds and keep them clear of weeds with vigorous mulch. Three bags for $10. Start your spring with low prices guaranteed only at the Home Depot. Exclusions of plastic home depot.com pricematch for details

[A]

being what Bad.

[B]

A bad person. A guy was trying to work on some things you abandoned and you flew to LA to be a background person.

[A]

He wanted me to change, but he wasn't willing to change. So he was not. Not work. I wouldn't say he was working on.

[B]

Okay, so this is from I IMDb, but we'll see what happens. Background actors generally do not receive automatic on screen credits, but you can add yourself to IMDb as uncredited for roles where you are recognizable in the final cut. Well, that's what they told us, so good luck.

[A]

Thanks.

[B]

Now. Oh, I'm actually being told something completely different because you can't tell the full truth at all times. You paid?

[A]

Oh, yeah.

[B]

To be in the background?

[A]

Well, yeah, I paid for like my flight and hotel.

[B]

Oh, you didn't pay to be in it?

[A]

No, I paid for my trip. It wasn't like reimbursed or anything. And I didn't get paid for the. The gig.

[B]

Okay, so in the end you still were just paying for something that's not going to benefit your career in any way.

[A]

Yeah, but it's like, why do you act?

[B]

I'm sorry? Why do you think you're going to be this acting thing?

[A]

Honestly, like if it happens, it happens. If it doesn't, okay, I have my job. I haven't had someone.

[B]

It's been. I used to have a lot of people that want to be actors on the show. It's been a long time. So this is very interesting. What's your plan here? What's your grand scheme?

[A]

Well, I kind of put in a little bit of a pause on it just because I'm doing school right now

[B]

too, but okay, so great, great career.

[A]

But I've so successful. I've had like a couple commercial auditions since then. And then auditions. Yeah, okay.

[B]

Anyone can audition.

[A]

Yeah. But when you're start. You all just have to start.

[B]

Continue. Continue.

[A]

We all have to start somewhere.

[B]

You're right. You're right. Continue. You suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, Right. Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com, link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that 350 right now in your checking account.

[A]

We all have to start somewhere, right?

[B]

Continue.

[A]

So anyway, I. I just was gonna kind of audition, but I'm trying to get through school right now. So it was kind of an unboxing back burner because I've been a little busy with that.

[B]

So that's your acting vision?

[A]

Well, eventually I would like to submit more. And, like, I know people who, like, have.

[B]

I wouldn't recommend it, but if you were actually trying to pursue acting, wouldn't you be trying to pursue acting instead of school?

[A]

Well, it's. I already kind of started, and I only have after this class. I only have one more class, so I might as well finish that.

[B]

What is it? What's your school?

[A]

I'm getting my graduate crime analyst certificate.

[B]

Okay, okay, okay. That's a play. That's a play. I like That. I mean, what kind of career comes with that? Or a pay.

[A]

Well, I'm not really sure. I did just have a. Let me finish. Let me finish. So I'm staying at my agency. But I have. I did apply for a job and I had an interview. I just haven't heard back yet. But it would be like a pay cut. I'm just hoping it's not that much if I get it.

[B]

Wait, you don't know how much of a pay cut it would be?

[A]

Well, so it said it was negotiable, but the original. Like that's negotiable? Yeah, well, because it will probably be a pay cut, but the original.

[B]

What's the job that you get with this certificate?

[A]

A crime analyst. Hence crime analyst in the name.

[B]

See, you're drinking your gamer subs. Very delicious. 40 cents per serving. Have to use my code @GamersUps. GG code Caleb. Get your free samples by typing in code Caleb, use my link. Get your free sample, see what flavor you like, and then go ahead and get them instead of stopping in the gas station. Getting your. Okay, yeah, median. It's about 56 to 57. It's about 26 to 27 hours a year. So your meeting actually is a pay cut. Why are you getting a. That. That's median. That's not even where you're going to start. So, historically, you will be at a pay cut through the majority of your career. So why the are you even pursuing this?

[A]

Well, because I don't want to be in dispatch.

[B]

That's great. Why don't you do something where it's at least level pay? Because you're already struggling at 4200. Why are we doing something at a pay cut that doesn't make any sense?

[A]

Well, because I don't. Well, yeah, I make that much as a dispatcher. I want to stay at my agency, which is why it would be negotiable

[B]

because I've already still a pay cut. And regardless of the agency thing, the median pay, as in people at the height of their career, not even it takes an account. People at the height of their career is still a pay cut. Well, so you don't have a what?

[A]

I don't want to be like a cop. So, like, where else am I supposed to go?

[B]

Are you only able to be in crime? Well, you have nothing else you can do in life.

[A]

I'm gonna go pick a job that doesn't make me happy.

[B]

So crime's the only thing that makes you happy? Crime and acting, I don't know I

[A]

haven't really considered other jobs. I don't know what else I would be good at.

[B]

Dumbass. Take your career assessment. What is wrong with you?

[A]

I don't know. I like where I'm. I like what I do.

[B]

That's great. But you can't afford doing what you do. You've established that.

[A]

Well, maybe, but it might not be that bad of a pay cut.

[B]

It's a pay cut regardless throughout the rest of your career. So it doesn't make any sense. I understand not wanting to be a dispatcher. I wouldn't want to either. But why can't you at least move laterally? I obviously want you to move up throughout your career.

[A]

There's not. This is. I don't know. I don't know. Like I can't think of anything else that I would rather like. I. What I would want to do.

[B]

You haven't looked at anything. What do you have a bachelor degree?

[A]

I do in criminal justice.

[B]

Hey.

[A]

And then I have a minor in psychology. But like trying to work in the

[B]

court system or trying to work on. And it's just. I feel like there's a lot of options though still. There's a lot of crime that happens.

[A]

Well, yeah, but like crime analyst is kind of like. I do a lot of that already and I like it.

[B]

I. Okay. So you're okay with the pay cut?

[A]

I mean if I can get. If it's not that bad because I

[B]

know that it's going to be a pay cut through the majority of your career. You're okay with that? Because if you're okay with it, fine.

[A]

Well, yeah, if I can get out of this debt situation.

[B]

How It's a pay cut. That doesn't make any sense because you're about to complete the certificate. Listen, because I want to get you a certification and something that course careers has because people in the audience get those and they convert them to like six figure jobs. That's what I like. I like course career certifications. You're getting a $45,000 a year certification. Doesn't really make sense to me. Doesn't really make sense to me. I understand. I mean it sounds like you're working 5:30pm to 5:30am I wouldn't like that either. I understand wanting to move, but I want you to move laterally or up and acting ain't gonna be it. What is that? I feel like that's your little lever. I feel like that's your little ski patch. You're willing to do this? Take a pay cut because you think Acting is going to take off. I mean, you left your guy for that. This is. What a mess.

[A]

I did not come. I did not.

[B]

You immediately paid to go to LA to be in this thing. That's not going to help your career right after.

[A]

It could have been at any point.

[B]

Come on, look how it looks. Come on.

[A]

I did not leave him for that.

[B]

So obviously you could be a police officer. You don't want to do that. Sheriff's deputy don't want to do that. State trooper don't want to do that. Detective. I mean, that could be interesting.

[A]

Well, you can't. Most agencies, you have to be a co. A detective, which. They're the anal. The crime analysts work with the detective. So it's kind of like.

[B]

Yeah, for no money, obviously you can work federal.

[A]

Well, usually federal. You would have to move where they want you to.

[B]

Fair enough.

[A]

Not always, but I think most of

[B]

the time, which is fair enough. I'm sure they got something in Florida though. Florida is a, what is it? Fourth most populous state in the country. Right under. No, third, I think right under Texas. Okay, okay. Then obviously there's in corrections, there's investigative forensics, like crime scene investigator.

[A]

Crime scene. I would have to go back and get a degree.

[B]

Colleges. I know, but if we're talking the rest of your life, it actually might be worth it. And then obviously private investigators.

[A]

I'm not doing crime scene. I do have a.

[B]

Okay, so you literally want to do a pay cut. You're not willing to do anything. Okay, so this is what you want to. Want to. Want to do besides acting?

[A]

Well, yeah, but I mean, like.

[B]

So there you go. Okay, so let's establish you'll make $45,000, inflation adjusted for the rest of your life.

[A]

But if it's not, if it's too much of a pay cut, I was going to turn it down because you do this forever.

[B]

So you're stuck in this forever now.

[A]

Well, no, there's. So there's other. I've applied to other analysts. No, I've applied for other crime analyst jobs that have different pays. They're all a pay cut. But like I could eventually make back what I'm making now. It just might take me a few years.

[B]

But that's above, that's above the 50% threshold is where you are now. Like, honestly, at the very, very, very, very peak, people start making about 70,000, which is great, but that's. You'd have to be in the top. Like.

[A]

Yeah, but I would have like the rest of my career to get there.

[B]

Right. But the majority don't get there is what I'm saying. So why are you special? Probably not. Probably not exactly. So it doesn't really make any sense. It doesn't really make any sense.

[A]

But I will say, like, my current job in my agency, like, for civilian positions, that's like one of the higher paying ones.

[B]

But I just don't want you giving that up.

[A]

Well, I mean, I'm not like, again, if it's too much of a.

[B]

Can you make a living off of 45,000 hours a year in central Florida? Yeah.

[A]

Well, there you go.

[B]

Well, why the are you accepting it? Because that's where your career goes.

[A]

But it might. So they have a max salary of like whatever it was, like 50,000. It says it's negotiable. So I feel like I might be able to do like one or two dollars.

[B]

I have this. One or two dollars. This is not going to make or break your life, if that's unsurvable, by the way. Just. Just to let you know if it's unsurvivable. But two, we have the analytics pulled up for central Florida. Where you live. Where you live. You're not going to do very well for very long.

[A]

Maybe. Maybe.

[B]

Okay. So the midlife crisis led you to the certification and certification clothes, leaving this guy and pursuing acting. The median income for Central Florida is 62,000. You're gonna be making under the median.

[A]

I mean, there might be overtime and I could always.

[B]

We have the statistics. I don't know why you think you're gonna be this very top level above everyone else no matter what.

[A]

In every case, I can keep, like, my dispatch.

[B]

You're gonna make a living and acting. You're gonna make a what? Huh?

[A]

Well, no, I was like, I can also keep my dispatch, like certificates and stuff. So it's like when there's overtime and dispatch, I can go work overtime still. So it's like. Or there might be overtime in the analyst position. Like there could be.

[B]

I've been told that you hate your current job anyway, so you're going to be working overtime.

[A]

I mean. Well, I work.

[B]

So it's like, what are we even doing?

[A]

I worked a lot of overtime last year. I do work a lot of overtime.

[B]

Why not this year? We're three months in. What the you doing?

[A]

Well, I have been. I just.

[B]

You said last year.

[A]

Well, I'm just saying. Well, just because I did my taxes. But so I know how much I did last year.

[B]

But how much did you do last year?

[A]

Like $10,000. Okay, but like I.

[B]

What was your total last year pay?

[A]

16. 8 000.

[B]

Okay. And you're gonna go down to 50.

[A]

I think I could pick up overtime. Maybe.

[B]

Maybe.

[A]

I mean, I don't hate my job. I'm just. It's more of the night shift that I'm kind of done with, but day shift doesn't solve any problems, so.

[B]

Okay, so what's crazy in here is you are in this situation. You blame it on the ex, you blame it on a midlife crisis, but the reality is I know for a fact your mom's an accountant. She has made you a budget. Your mom's an accountant. She has made you a budget. If your mom has made you a budget, you. Not following. That is on you. You've been given every resource, every piece of help, everything possible, yet you blame it on a guy that was trying to fix your relationship, and you blame it on a midlife crisis, which even isn't. You're just being a little dumbass brat. If we're being honest, this makes no sense. Your mom made you a budget that fits your life. You. You being in this position at this point is on you. When did she make that budget?

[A]

Like three years ago when I first moved to my.

[B]

What are you even doing?

[A]

Well, I don't know. It just like, didn't really. I felt like it didn't really make sense. It wasn't like.

[B]

It didn't really make sense. Why?

[A]

It was just kind of like, here are your bills.

[B]

Yeah, but it's like. I know it's important. Do you?

[A]

Yeah.

[B]

Then why are you struggling?

[A]

Because I don't really. I just kind of like, swipe and tap without actually looking. Like, I. Like, when I get really overwhelmed, I just, like, stop looking at my stuff.

[B]

Then how do you know your bills? How do you know your minimum payments? What are you talking about? If you just look. You don't even look. How you can't.

[A]

Well, I always pay more than the minimum, so I also.

[B]

Do you always. That's what people always say when they always don't.

[A]

Yeah, I pretty much. I. I consistently pay more than the minimums all the time. So that's why I don't actually.

[B]

You know what happens every time someone does that? They spend more than they put towards it regardless. So it doesn't even make sense. Especially if you're uncontrollably swiping and tapping. You don't even know what's happening. You're definitely spending more on them than you put towards them, even if they're above the minimum. So it negates the entire thing anyway. And it's worse than just making the minimum depayment and not spend anything on there.

[A]

I did notice that like a few months ago.

[B]

And then you didn't fix anything, so. Great.

[A]

Cause I didn't really know how to. And then I also.

[B]

You don't swipe, you don't tap. So if your mother has made you a budget, why have you not gone and asked for a new budget now that you're on your own, no boyfriend, all that stuff.

[A]

Well. Cause I was. I tried to do it on my own. I thought I could do it on my own.

[B]

Well, that has failed. When did you think you could try to do it on your own?

[A]

Well, I've kind of had like this budget for like a year and a half or two years now.

[B]

You've had a budget for a year and a half to two years and you've ended up in this situation? Maybe. Maybe your budget's not working.

[A]

Well, clearly.

[B]

Well, clearly. So why try that for a year and a half of not working? I don't know.

[A]

I've like adjusted it a few times, but like.

[B]

Adjusted it in what way? That's not worth. It's not. Look where you are today. You can't tell me you're adjusting it and expect that to be an answer. That's reasonable.

[A]

Like, I pay my bills and then I.

[B]

Is what everyone says who has late payments. So let's. Let's find out.

[A]

I promise you there's no late payments.

[B]

Okay, let's see if you're the first one in financial audit history.

[A]

I do not have any late.

[B]

I hope so for your sake. I'm not rooting for you to have late payments, but.

[A]

Yeah, and then I just like. It's. I guess it's the budget of like the leftover money that I don't really know what to do with.

[B]

How do you have leftover money? Wouldn't your leftover money just go towards debt? You want to be debt free so you can take a lower paying job? Isn't that what you just said? Isn't that our entire intent? K Pop Demon Hunters, Haja Boy's Breakfast Meal and Hunt Trick's Meal have just dropped at McDonald's. They're calling this a battle for the fans. What do you say to that, Rumi?

[A]

It's not a battle. So glad the Saja boys could take breakfast and give our meal the rest of the day.

[B]

It is an honor to share. No, it's our honor. It is our larger honor.

[A]

No, really. Stop.

[B]

You can really feel the respect in this battle. Pick a meal to pick a side and participate in McDonald's while supplies last. Isn't that what you're trying to do? Isn't that what your future is? So what? Leftover money? Your leftover money goes to paying off debt so you can do this job well, yeah.

[A]

So then I'll like.

[B]

You live on your own?

[A]

Yes.

[B]

Okay. How do you afford that? What's your rent?

[A]

Base rent without anything else? 16.90.

[B]

Oh, yeah, it's chunky with everything else.

[A]

The only thing I don't pay on in my rent is the electric. Everything else, I don't know. They have the WI fi in the. Like the Internet is in my apartment, like in the total, so.

[B]

Oh, you mean you pay your rent separately or your electricity.

[A]

Oh, yeah, yeah, yeah.

[B]

How much?

[A]

My electric?

[B]

Yes.

[A]

On average, probably. Well, it depends because it's. Well, you know, in the summer it's like $100 and something dollars and in the winter it's like $50. So it just depends.

[B]

75.

[A]

Okay. Is that the average? I'm not good at math.

[B]

Sounds like it. Based on what you said, if you even know your numbers, which I don't actually think you do.

[A]

I did try to like, figure out what 1700 is. I did try to figure out what a month emergency savings was after watching your show, so I did.

[B]

What did you determine?

[A]

I don't have it memorized. It's on my iPad.

[B]

Oh, good. 41% goes to rent and basic electricity. That's disgusting. And then you're going to take a pay cut regardless of your debt, minimum payments. There's no way you can survive on that.

[A]

I can't keep working nights forever.

[B]

I agree, but that doesn't mean the only other position you can take is one where you take a pay cut. That's what I'm trying to say.

[A]

I can't leave my job in the next two years.

[B]

Okay, your rent is 1842.

[A]

Well, that's with everything. That's why I said base rent. And then if you wanted to know everything.

[B]

What's everything?

[A]

Everything would be. There's a community fee. WiFi then like the water and whatever.

[B]

You dumbass. Why would I ever want to know just basic? That doesn't.

[A]

Well, I said rent question mark.

[B]

Absolute stupid.

[A]

I normally.

[B]

1950. 1950 is your rent and basic utility. Okay, now we're at 47% a budget 9. 47%. 47%.

[A]

You're Central Florida.

[B]

Central Florida. Your job. Your job that you're choosing to Get a pay cut of which now your rent's gonna be like 55%.

[A]

Well I can't leave.

[B]

And that's before debt, minimum monthly payments. And you're already in the negotiating phase for this job anyway, so you're gonna take the pay cut regardless. I'm not gonna pay this average pay, remember came with your average overtime. So this isn't even just base pay.

[A]

No, that's not all the average overtime.

[B]

What I asked for your average pay which included overtime and you said shut the up. You said and with my overtime I think 100.

[A]

Well I would rather budget without the overtime.

[B]

But you said I was my overtime. Why 100?

[A]

Sometimes I might be.

[B]

Oh my. Oh you broken individual.

[A]

I know that like 2100 a paycheck is like pretty average of what I get.

[B]

And I know you're not willing to move somewhere else because you're at a place that's a thousand square feet. I'm being told. And you refuse to move to somewhere smaller.

[A]

It's a nice area.

[B]

Nowhere in central Florida is a nice area.

[A]

One, but like two, crime wise

[B]

still same applies.

[A]

And two, nothing really happens in my complex.

[B]

Complex, buddy. You can move to a smaller unit. No, in a safe complex.

[A]

Oh well yeah, but it's still going to be like base rent is still like 1500 most places.

[B]

What is this? Listen, all I care about is what it costs in the end regardless of base rent versus fees and all this shit.

[A]

Well I don't know because I haven't moved so I don't know what other

[B]

people's fees and stuff are to figure out what rent is. You have to move to find out what rent is.

[A]

Well, I just look and it's like base rent is like 1500, bro.

[B]

Call email I guess. What is wrong with you? Why do you have no ability to google or do anything?

[A]

I don't want to move, so.

[B]

Yeah, but you might need to after the pay cut cuz with overtime. Yes. Is 4200. Well I comes in and you're taking a pay cut.

[A]

I'm at least stuck here till November.

[B]

3800 looks like 3800. So if your rent is. What did we determine like 2000 after everything, right? I guess 1950 after everything. Now we're going to bring this down to about 3,800. Yeah, it's going to be 52% of your income. And again that is before your debt. Before your debt. And I know there's extra on top of that too because you use your mom all the time. Use your mom to buy things. And you're like, I'll just pay you back. I'll just pay you back. I'll just pay you back.

[A]

Yeah, well, because we go do stuff together so she'll pay for it and then. And I just split it usually into

[B]

yeah, but I don't just pay you back.

[A]

Yeah.

[B]

So calculate that with the 52% going to rent and that is before any extra things that are going to be done after your pay cut, before any debt, before any other living expense. There is no way you're going to be able to do this. You're done.

[A]

Well, I can't leave my agency for two years.

[B]

Why? What happened?

[A]

Because of their tuition reimbursement. I'm like, I have to stay for two years after they.

[B]

Okay then. Okay what? Two years from when?

[A]

Well, my last class will be summer, so. And they'll. So I'll get the refund in August probably.

[B]

Then I would grind for two years on the better pay. Worst job because at least you can live potentially it gives you a better shot and that sucks. But also you'll only be 31 at the time. Oh, scary. Stop it, Patrick. You're scaring him.

[A]

Sounds scary. I guess it is more of the night. Like I with the job. It's just the night shift thing. Like I want like a normal life. I don't have one.

[B]

Well, the more and more you work there, the more leverage you have, right? To get the day shift.

[A]

Well, I don't want to go to day shift. Well, I don't want to go.

[B]

I hate the night shift. I don't want the day shift. What is wrong with you? You are such a brained individual.

[A]

My therapist probably agrees, but she does 100%.

[B]

She probably also enables you.

[A]

No, no, I have a really good therapist.

[B]

Enables her.

[A]

But I go 5:30am to 5:30pm is not gonna solve my life. I'd have to go to bed at like 7:30pm that's crazy.

[B]

Not necessarily, but it depends.

[A]

I'd have to wake up at like 3:30.

[B]

Choose. I hate the night shifts. I hate the day shift. You job.

[A]

Well, I want. No, I don't hate the actual job.

[B]

But you hate either of the two shifts.

[A]

Well, no, I just. I don't want to I sleeping wise. I'd like to just have like a 9 to 5. Like I'd rather have a normal life.

[B]

I would rather that too. But you set yourself in a position where you can't so grind for two years through the poopy position and then nine to five but, like the analyst position. Oh, my goodness. What?

[A]

Well, they don't come up.

[B]

What?

[A]

I don't know. It's like, they're very competitive, so you kind of have to, like, apply for them. Like, I've been applying for, like, three years to get out, so it's like you kind of have to apply every time they come up. Now, whether I take it or not is a different story. But, like, you kind of have to, like, get out there.

[B]

I'm telling you. No, do not. We focus on paying off debt and setting yourself up for success.

[A]

Okay. I really don't want to, but. Okay.

[B]

Is life all about want? You do have to pay for the mistakes you have made.

[A]

I know.

[B]

And you have to accept the reality of the rent. If you refuse to downgrade your rent situation, that is your choice. Your choice is making that you have to continue to make more money or downgrade your living situation and you can take a pay cut.

[A]

Well, eventually I'd also like to be with somebody, so then it would.

[B]

Well, good luck, cuz. Who would want to be with you?

[A]

I'm sure a lot of people.

[B]

Okay. One, you're not willing to work on relationships in a healthy way. Two, you abandon them for LA immediately. Three, you make horrible career and spending choices. And then four, the moment you break up with them, you blame all your mistakes on them.

[A]

I didn't blame all of it.

[B]

Sorry. 50% of your mistakes on them. Freak. Like, what? Of course. Who's choosing this?

[A]

I'm sure a lot of people.

[B]

Brandon, when's the last time you saw someone that looked like her on screen? I don't know. I don't think you're gonna get a job. I don't think you're gonna be on camera.

[A]

Oh, we're back to acting.

[B]

Okay, if budgeting apps make you feel like this is for you. Most people who struggle with budgeting are irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking, but within a few days, it feels like a homework assignment. They're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress is isn't coming from your spending. It's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money's going without being judged for it. You're not alone. That's exactly what we built. Dollar wise. If you want a calm and clearer way to see where your money is going, try dollar wise. Download the app today and get a three day free trial. No setup. Nightmare. No manual tracking. No no pressure to be perfect. Just connect your accounts, see where your money's actually going and decide if it works for you. Click below to download downloads and see if this helps you feel more in control without the stress. And if it's not a fit, cancel anytime. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accident via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is Game Sauce. Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb. Yeah, I just don't think it's gonna happen. I'm sorry. I'm sorry. That's, that's the. Cut the bullshit. Like, I'm not just like saying something to be mean and I'm also not just going to not say things to be nice. If that is what your actual aspirations are. You are in a beyond, beyond, beyond small percent.

[A]

Well, my mindset right now with it is if it happens, it happens. If it doesn't, yeah, but your time

[B]

and energy could be focused towards something that is more likely to actually benefit your life.

[A]

Okay, well it, it could be a fun hobby.

[B]

Yes, but you are dying in debt. You can barely afford your rent. You're blaming everything on your ex. Fun hobby isn't necessarily the big conversation we're having when we have to clean up everything. All the mistakes you've made just trying to keep bills met.

[A]

So I have to stay at this

[B]

job At a minimum, probably, unfortunately, until you at least just pay off your debt. Just that. Or downgrade your living situation. Choose one.

[A]

Well, I'm stuck in this lease until November, so after that, dumbass, we'll see.

[B]

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

[A]

Oh, I did take your quiz. It was either 1.7 or 2.7.

[B]

And we love that quiz. Get your number, get your assessment@caleb hammer.com Take the financial. The Hammer Financial score quiz just takes a few minutes and it is free. See where you stand in the world of money. And if you don't want to be like a guest who ended up on the show, especially her, it's perfect for her. Download the dollar wise budgeting app. It is changing the entire budgeting app marketplace. It is great. It is actually easy to use. You can actually use it without being overly complicated and confused like all the other crappy things out there that try to sell you a bunch of different shit. This is the one to use. Dollarwise.com take free trial to see if you even like it before you commit to anything. Then most people take the annual version because it saves about 50%. And then you get my personal 30 day meal plan that is based on a budget that you can use and stick to for every month, every day, every year so that you can actually budget yourself and clean up your mess. Check it out. I will sign it and mail it directly to you. You all right, let's get into some. Let's get into some numbers, shall we? Now that I understand you.

[A]

Okay.

[B]

And that understanding is you're mentally.

[A]

Yeah, probably.

[B]

Yes. And I'm surprised. How was he not the one that left you? Genuinely?

[A]

I don't know. I think he thought I was never gonna leave. So.

[B]

$4,498.17.

[A]

Oh, that's more than that now.

[B]

Tire. Why?

[A]

Why?

[B]

What did you do? What's the new balance?

[A]

Probably like 56 or 57.

[B]

Pull it up. Pull it up. Pull it up.

[A]

I put my flight in hotel for this on there too.

[B]

Pull it up. Pull it the up. What are we doing? See this is another thing. She opened this car because a random ex boyfriend told her. Do you. Do you have no personal ability to advocate for yourself?

[A]

Well, I just. Or they found. They sound like they know more than I do. So then I. He told me to open it. I didn't have.

[B]

Why you have no knowledge? You can't check things on the Internet. I always question everything.

[A]

I don't know. I just like they sound easy to manipulate.

[B]

Like what?

[A]

What you just want to see the credit card?

[B]

Yes. H. Yep. 5708 80. Dude, stupid minimum monthly payment on a situation where your rent is beyond your control is already $291.63.

[A]

Because I have like pay plans on there for like why? I don't know. They offer. They like offer.

[B]

Oh they offer it. So we have to do it. Shut the up instead of 20.49. Interest rate of death, insanity. Lyft door dash.

[A]

It's while I'm here.

[B]

You're door dashing. While here you're here. Why are you door dashing?

[A]

Well, last night I got back late so I needed food before it closed. It was like 10:00pm it was like 8:45 to where? Oh, I went to Pilates.

[B]

You doordashed to Pilates?

[A]

No. By the time I got back to the hotel it was like 8:45 and everywhere was closing at like 10. So I just was like go get food. I don't have a car.

[B]

Where did you stay?

[A]

I don't like off of fifth Street. It's like fifth and go get food. It was dark.

[B]

What? It's safer than central Florida, I guarantee you that one.

[A]

But anyway, so I was like. And so I just like went on doordash really quick so I could get food before everything started.

[B]

Exactly. You're on Fifth street by the way. Things are open past 10 on Fifth Street. You're on Fifth Street, Fifth Street, Downtown, east side. You could go anywhere. There's so many good restaurants and it is overall safe.

[A]

Well, there was like most things were like over a 10 minute walk. It was dark. Oh my gosh, I'm by myself.

[B]

First of all, no, it is not that dark on history. It's, it's very well lit dark. It's not. Why are you so afraid victim in this world. Oh my goodness. Where. What is wrong with you? People live there. So many people live on Fitzer. You walk outside and yes, it's a 10 minute or 5 minute walk to something I get.

[A]

I didn't want to be there at like Shut the up.

[B]

Shut the up. What Mac do you use? Google Map? Apple Map?

[A]

Uh, Google Map? No Apple Map, Sorry.

[B]

Oh, I knew you show me your hotel. You are a broken individual. You do not have to doordash. And that is a safe area. That is a safe area.

[A]

I don't, I'm not from here. I don't know that.

[B]

Oh my gosh. Look up a anything. First of all. What do you think it's just gonna die when you go outside?

[A]

Well, no, I just again when I went, I looked at restaurants on there. It said things were closing at 10pm it was like 8:45. So I was like I'm just gonna doordash so I can get it here before frickin things close. It's Monday, things close early. I'm also kind of picky, so I don't know, it just was easier.

[B]

Picky? What's picky you have every food right there. It's an urban core.

[A]

Like I said, I didn't want to walk around in the dark.

[B]

What everyone does.

[A]

Okay, well, maybe out tonight.

[B]

What is wrong with you? Delicious. Just a couple little walk away. Yeah, that is 10. But you would have been fine. Like, my goodness, you're. You're. You're. You're the classic woman in 2026. Just listening to true crime all day and you're terrified. Or you hear something on TikTok and you think you're a little victim and everything. Go outside, you're fine. The crime statistics aren't that crazy.

[A]

Okay. I mean, I really don't like, I think then you're irrational and I'm not gonna live my life.

[B]

But like I'm literally being told yes, you do live your life in fear. You literally do not use dating apps because you think you'll get murdered is what you told Lind. You are irrational. You are a classic. Like you think all everyone wants to kill women. Like this is not what happens. Yes, there is a statistical more likelihood chance to a woman than a man, but not just going outside the moment the sun is setting that all of a sudden everyone turns into werewolves and they start slashing women. That's not what happens. True crime listener living in fear for everything. Not even using dating apps. Freak.

[A]

I use them. I just like. I'm very wary about.

[B]

Because you're afraid of everything irrationally. It makes no sense. Sense. TF user.

[A]

What is that?

[B]

Oh, I know for a fact you would open it. I need to see your card again. I need to see what other stupid mistakes you use.

[A]

No, I actually genuinely. What is that?

[B]

It's something you would use now if it still existed.

[A]

I genuinely. Okay, I don't know what that is.

[B]

Well, this isn't TF conversation. This is financial audit. So I'm not having a full conversation regarding it. But not only that, you doordashed three times yesterday. So, like, what are we doing? So I think you doordash when the sun was nice and up as well.

[A]

Yeah, when I first got here. Okay,

[B]

so it. It's not the fear. And you are Shut the up. What Aing cup really hungry. Two minutes. A literal across the street every restaurant. Great choices.

[A]

Well then I also wanted to take a nap, so I figured I was already there.

[B]

Good. Eat, walk back, sleep.

[A]

Yeah, I guess I could have probably done.

[B]

Oh my goodness. And you could use some steps open it if you want to be on camera. Huh? And you're also late to the studio this morning. Because you doordashed to your hotel this morning. Which, by the way, I know this hotel. They have breakfast.

[A]

Well, I didn't eat breakfast. I just got coffee.

[B]

They have coffee.

[A]

I don't like hot coffee.

[B]

There are ice machines.

[A]

Yeah, but like there's no way that. There's no way that coffee.

[B]

You could have got coffee here. You know where we are. There is coffee options.

[A]

I actually genuinely didn't.

[B]

You don't use maps. Why don't you look things up? What is wrong with you? I could never live my life like you. You are a broken individual who can't open apps. Other than DoorDash, it's the only app you can open.

[A]

I actually had to download doordash for this trip.

[B]

Had to?

[A]

Well, no, I just. I didn't have it on my phone prior to getting here.

[B]

Broken individual. Lift, lift, lift. You're lifting everywhere.

[A]

So I don't have a car.

[B]

You are in the dense area of Austin with walkable day everywhere.

[A]

Well, I had to get from the airport to here.

[B]

That one's one lift trip so far.

[A]

And then I went to Pilates and back.

[B]

You could have walked to Pilates about five Pilates things around there.

[A]

Not at the time. It was like 7pm I went to a 7pm class. There was not any.

[B]

Where was it?

[A]

Well, so I.

[B]

Where was it? Where was it? Where was it?

[A]

Oh, I don't know. It was wherever. I don't.

[B]

Where was it? What did things look like?

[A]

There was a movie theater.

[B]

Alamo.

[A]

Yeah, I think Drafthouse.

[B]

You could have walked.

[A]

No, it was like a 20 minute Uber or Lyft drive, but I used class pass. So it's like I also could only go. I only went to the studios that

[B]

I flip, fluff, flip, flop, flip. You did a lot of lists.

[A]

This isn't just going to bodies, it's the tips too. Yeah, because I got charges.

[B]

Two of those are tips. Still a lot of left and I'm getting. Yeah, you were late here making me start late because you had a doordash to your place.

[A]

Well, yeah, they got lost.

[B]

Which by the way, here's the also thing. Okay. She couldn't drink her coffee there. Literally across the street is a coffee shop. So she couldn't to walk downstairs and got coffee and walked upstairs and oh,

[A]

everything said it was like a 10 minute walk late.

[B]

And also daylight savings time. You're terrified times. No, it wasn't dark this morning when

[A]

I first woke up, it was still dark.

[B]

You weren't late because you ordered right when you first woke up. We filmed these. What time did she have to get here? 9:30. Shut the up. You have no idea what you're talking about. Ever. About anything. And number two, you were terrified about the freaking out last night. It was still light at 7:30. It was light. I was out at 8. It was light.

[A]

No, I got. I got home at like 8:45. It was dark. The whole. My almost my whole Lyft drive home was in the dark.

[B]

Dark in the streetlights of downtown, I swear. What's she talking about? Where does the sun pass?

[A]

It's the tolls, okay?

[B]

Lots of tolls. Plan fee from public.

[A]

Well, yeah, that's the.

[B]

I. Listen, I do not want to this diminish that there are more statistical likely things to happen to a woman than a man, especially at night. That is a statistical reality. But you are clearly indicating. You are. You are clearly using this as a cope. Just like you use your breakup as a cope, just like you use the acting thing. Everything you've done is a coat, blaming your ex and whatnot. Your fear thing is because you wanted to. Your next chapter in healthcare starts at

[A]

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[B]

sci door dash because you door dash coffee this morning when you kind of walk downstairs to got coffee in the daylight because you door dash when you first got there during the daylight instead of actually going outside. It's well lit in a safe area. You would have statistically 99.99 been fine just like anyone else. Okay, so I'm not the minute not dismissing potential extra realities if you're in a sketchy area or whatever. You weren't. Whatever. Okay, I get it, okay? People go out all the time. You're fine. You're not a random victim.

[A]

Okay, I'll go out tonight.

[B]

Oh great. Yeah, spend money.

[A]

I have to eat.

[B]

You know what me and my family used to do when we used to travel and do road trips and went to hotels? We go to the grocery store when we got places because we couldn't afford going out.

[A]

Well, I did get some like drinks and stuff earlier.

[B]

Okay, well that's not like I brought

[A]

snacks, but I like still not food. Well, how am I supposed to cook In a hotel.

[B]

Oh my gosh. You know what we used to do? We got cold meats, bread.

[A]

Huh? I don't like those.

[B]

I don't care. You have no money. Get a banana, you freak. And everywhere has microwavable meals. And I know that hotel. You got a microwave?

[A]

Yeah.

[B]

Okay, so your minimum payment's higher now folks. Cuz it's going to take 12 years to pay off now. Yes, as I expected, she does pay more than the minimum by like 100 bucks. And she purchased $1,232 before she even purchased on her new. And it's all stupid copes as usual. It's not because you're a victim by being a woman. It is because you wanted to do and go to this. What is this melee? Kaka kaka What? Okay, pretzels. Food, food, food. Mexican food. Passmark. That's fine. Sun pass. That's fine. TJ Maxx going into Ulta. $110 Chick Fil A. Barnes and Noble. It's not because you were gonna get going outside that you had to do all this. And it wasn't because your boyfriend.

[A]

Well, that was a lot of. That's Christmas.

[B]

Okay? All this stuff after Christmas, I highly doubt this. Chick Fil a was highly doubt that. Starbucks was highly doubt that. McDonald's was highly doubt that. Sheen after Christmas was highly doubt that. Membership after Christmas was highly doubt that. Chipotle after Christmas was highly doubt that. What does class pass?

[A]

It's like a. You can go to like different workout classes and stuff like that.

[B]

Okay, well, okay, that would be fine. I'd be okay with that. Highly doubt this. She's paying $30 for a Cassidy network. Oh, so it's not. It's not just free. It's not just free. It's not just passion. Yeah. Huh. Okay. And that's not for Christmas and neither is Tibby's for Christmas. So Shut the up. It's for Christmas.

[A]

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

[B]

You are coping. You're a coper. You're a coping. And you're getting fees on hotel and Yankee and Pilates and Chewies. So you have these financing fees that you're doing like Ulta and Publix. And Publix. Shut the up. $22 of fees this year so far already. Actually, no, that was just within January. And within January 40 interest. Shut the up. Shut the up. Shut the up. You went to Disney for a bullshit wine festival? That ain't Christmas. Shut the up.

[A]

It was for my birthday.

[B]

Shut the up.

[A]

It was for my birthday, okay?

[B]

That ain't Christmas. I don't care. You turned a scary age. You don't. You're not even happy about it. Shut up. I don't care. You're coping. You're coping. You're coping about everything. I have an excuse for everything and I don't want to hear it. I do not want to hear it. You're already maxed out on buy now, pay later. And you're getting fees for it every second of your life. I don't want to hear it.

[A]

I thought the plans would be less than you thought everything. You know, nothing kind of true, but I thought the plan. I thought the plan option because it. You don't get charged interest, you get the plan fee. I thought the plan fee would be less than the interest, so that's why I did them. I don't know if that's true or not, but I don't.

[B]

So, you know you can just not spend on a credit card. You know, you can just spend money, not spend money you don't have, and you'd be totally good.

[A]

Well, at some point I would say

[B]

it's just that I. At some point I would say that's better.

[A]

At some point I was like, okay, can. I can pay this off. And then it kind of got out of hand where it couldn't.

[B]

Oh, because of your boyfriend? Shut the up. Like. Like, it just makes no sense. This is you. This is your responsibility. You're a child. You're immature. Shut up. I'm sorry, okay? It's just your. Your coping excuses are so stupid, especially when they're baked in irrational dumbassery. It's absolutely stupid. Listen, listen. I'll let you use the mine card. Used to be called the fizz card. Now it's the mine card. It's a debit card that builds credit. I know you want to build credit, but at least it won't. You won't let you spend more than what's in your checking account. Okay, okay. That's the way to do it. Here's the reality. You also have a Wells Fargo Platinum Visa Platinum card.

[A]

Yeah, I opened that one up for tuition. What? Cuz it's tuition reimbursement. But. And I didn't get approved for student loans, so I just opened that up because it was zero percent.

[B]

Why weren't you approved for student loans?

[A]

So I. My. My coworker and I tried to figure this out. I think it's because the certificate is only four classes and I guess I don't actually like.

[B]

So you put it on a credit card.

[A]

How else was I going to pay for the tuition?

[B]

I would rather do a private student loan before a credit card.

[A]

What was 0% APR until for now?

[B]

Until it's not. And it also takes 20 years to pay off. 20. 27 is next year. It's not that far away anymore.

[A]

I'll get. But I'll get reimbursed. And then I did do two balance

[B]

transfers, so it's just balance transfer, balance transfer, balance transfer. That's all it is. And then you get the fees added to it.

[A]

Yeah.

[B]

So this isn't the student loan. This is a balance transfer transfer.

[A]

Well, it's student loans and. Or it's student loans and the balance transfer.

[B]

What? I don't see the student loans. I see. Is it higher now because I only have a balance transfer. 2567.

[A]

It I don't know. Because December I got tuition. Oh, reimbursement. Oh, I put this semester's tuition on it.

[B]

That is so stupid. What? And Lindsay said you blame financial audit for doing the balance transfer because you didn't know what they were before.

[A]

Yeah, yeah, I didn't.

[B]

I specifically say every time someone does it, don't do it until you change behavior. Well, you can't blame me when I have that very clear caveat that I say every time it is higher, it's double. It's 5,005. Shut the up. What? What? What? What do you want?

[A]

It was January. January or the tuition for the semester now.

[B]

It's still a balance $5556.29. Stupid. That means the minimum to payment's higher. Stupid.

[A]

It's like $53.

[B]

Yeah, stupid, stupid. $53 higher. 56. Me.

[A]

And the first balance transfer I did was from the Chase card. Fees.

[B]

Fees. Just getting dicked up in fees. My goodness. What are we doing? What a joke. What if it's not a joke and you're almost maxed out now, so good luck. You're going to get to that situation again that just happened with that other card and you're going to be done. You're going to be done.

[A]

Done. Well, I'll get tuition reimbursement at the

[B]

end of the semester's card was a $500 in November. Now it's over 56. You see the trend.

[A]

The $500 in like August and now it's at 5600.

[B]

You see the trend. 5700. You see the trend that we're doing. Wells Fargo was nothing. And then you. Everything's going sound effect and all. It's all going in the wrong direction.

[A]

But I'll get the tuition reimbursement.

[B]

You'll get the tuition reimbursement. Great. So that covers half of it. You and then the other multi. Thousands of dollars will accrue interest here soon. Plus you already had the fees added to it regardless. So you what? What is it, like a 12%, 15% fee? The private student loan will be at like an 8% interest rate depending what you look at.

[A]

0% APR.

[B]

No, you're not going to pay it off. You only make your balances go higher. That's all you've done. That's all you've done in the last year. So I don't want to hear it. Yes, I know it's 0% now and I know it's going to be different in a year. That's not what matters. What matters is the trend you're going on. The trend that you're going on right now is suggesting that you will not be able to touch it regardless, nor pay off a balance, nor make any progress towards it whatsoever by the time the interest accrues.

[A]

That's how the fear makes sense.

[B]

Other than that, buddy, you just did to put tuition on well, but I'm

[A]

saying I opened it.

[B]

Buddy, buddy, buddy, buddy. You just balance transferred and buddy, buddy, it's almost maxed out. So you can't regardless. So shut up and guess what? Buddy, buddy, buddy, it really doesn't matter because you're using your freedom card until it's maxed out for those extra purchases and then you use your Visa. I see this every day of my life. I know where this story ends. You can't defend this and say, well, it doesn't matter 0% right now. Everything is going to going in the direction of up in the moment that that freedom card no longer has the ability to spend on it because you have to doordash because you're terrified of being a woman in 2016. Oh, that is very scary to have a. All of a sudden you're like, I can't spend on there anymore and I'm still a woman afraid of getting. Because it's dark outside. Believe that word. And then all of a sudden you're like, oh, I gotta spend on my Visa platinum card, my anti card. It's terrible. It's like everything's just gonna get well.

[A]

I know. Besides the balance transfers and the tuition, I haven't used it yet.

[B]

Did you not, did you not just hear what I just said?

[A]

No, I'M not gonna use it.

[B]

No. Did you not just hear what I just said?

[A]

Well, I'm not gonna.

[B]

Well, hey, what did I just say?

[A]

You said that once I max out the Chase one or. Yeah, the Chase one. I'm just gonna use this one.

[B]

That's why you're not using this one, because you're using your Chase card. The moment you can't, you will put that somewhere else because you need to spend more money than you have.

[A]

My chase one is like $20,000 limit that I'm not going to use, so.

[B]

Well, how can you suggest you're not going to use it when it was Z, when it was just a few hundred bucks a few months ago, and now it is 5,700. You literally are at this pace. At this pace, actually, in about a year and a half, it will be maxed out at 20. At the pace you are going, yes. You can't say no.

[A]

I've never had it that far.

[B]

It doesn't matter if you never have. At the pace you are going now, that's where it's going.

[A]

You can't.

[B]

Oh, your copes are crazy. See, you can't just tell me you're not going to. That's where it's going. That's where it's going.

[A]

I'm not gonna use it.

[B]

Guys. Good, good news. She's not gonna use it. All she's doing is only getting worse. Thank goodness.

[A]

Oh.

[B]

Oh, that makes me feel so much better. I'm so confident.

[A]

It's my. I've labeled it as my.

[B]

I don't give a. Nothing you say is gonna impact how I view this. I see your trend. I have these conversations every day with my life. Stop.

[A]

We'll see.

[B]

Fees up the deck. Expiration is not far away. So a year away. Saver card. What's going on here? Interest accruing.

[A]

Well, that 1 was 0% APR in until December, and then all of a

[B]

sudden interest started accruing. It's weird how that works.

[A]

And then the balance wasn't paid off.

[B]

How. How does that happen? Chat, Chat. How does that happen? That's weird. That's weird. It was 0% APR until it wasn't. And it's weird then the balance wasn't paid off by the time that 0% APR ended. And then interest started crying. That's really unique. I wonder if that would apply to anything else ever. Well, then, that's really curious.

[A]

I did a balance transfer for to the amount. Basically maxed out the Wells Fargo because

[B]

you can't make any progress on anything. You only kick the can down the road until you can't anymore. And then you're like we've seen in this show on those times. And a balance transfer isn't even good anyway because that doesn't change your behavior. And you're going to spend on this card regardless and it's going to go up, up, up, up, up. Just like everything else. Yes. And since you did the balance transfer like a month ago, shut the up. You think that is a valid thing to say? I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new dollar wise budgeting app. And listen, I get it, the first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars in hiring dozens, we've completely rebuilt dollar wise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now. Take your free trial to test it out and get the monthly plan at a 33% discount for three months. Or take the annual plan for an insane 50 50% discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download Dollar Wise and start your free trial. Go to Dollarwise.com or click those links below. Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon. A game changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever. And Dollar Wise is about to alter the future of personal finances. We know it. Ladies and gentlemen, it is my place to introduce the next big thing in budgeting. What are we doing here? Guys? What are we doing here? What are we doing here? What is. What are we doing? Caleb. Caleb, can you show them the new Dollarwise logo? Introducing Dollarwise reimagined. Dollar wise. Rewrite your money story. The old dollar wise is dead. What'd you even open this card for?

[A]

I wanted to try to. I. I didn't get tickets to See Taylor Swift in Miami. So they were doing a like a giveaway if you had a capital one card. So what?

[B]

You opened a capital one credit card just for the chance of a giveaway?

[A]

Yeah.

[B]

Wasn't even to buy the tickets?

[A]

Yeah.

[B]

Bro, that is the most ridiculous thing I've ever heard in my life. That is for the chance of a giveaway for a lotto.

[A]

Yeah, they did like a couple different ones, but like it was. You just had to have a capital one card. So I opened one.

[B]

I don't even know what to think about. That is the most. This is. I've never heard a worse reason to open a credit card. And did you get it?

[A]

No.

[B]

Yeah.

[A]

No, I did not. Yeah, but I tried. I just. I wanted to try to win.

[B]

Uh huh. I know what you wanted. Again. You equate want with needs. Like you equate want with excusable. Like I really don't understand that. And then you racked it all the way up and then did the balance transfer.

[A]

Yeah, well you didn't make a payment. I originally.

[B]

There is still an interest. You didn't balance transfer the whole thing?

[A]

Well, I couldn't because my tuition. I had two classes last semester. So the tuition was on the card, so I couldn't.

[B]

Oh, you see how this is starting to add up?

[A]

I balance transferred as much as I can.

[B]

We're how this works guys. So curious. We don't have enough space to do the things we're trying to do. All of a sudden you run out of space, you open new credit cards. That only gets worse. And you're in an inescapable position even now with the balance of being half. Less than half. Half of 1,678. 52. Cuz he did the balance transfer. It's still 11 years to pay off minimum payments only without any purchases. And you are a purchaser.

[A]

I haven't.

[B]

You are a purchaser. Shut up. You can't tell me I didn't use this card. You will. This is how people like you work. This is what you do. You did it on the Freedom card. Did you do it in checking account? Here's the thing. Total income that came in was about 6,000. Okay. You had a great overtime month. Well done. Well done. Well done. Your spending was 10,300. So. Shut the up. Shut the up. Shut the up. You can't tell me I'm just not spending on here. You will. Your spending is egregious. It is twice what you make. It is twice what you make. Twice what you Make. You will rack it up at some point you will. You already did. You already did. And then you had to balance transfer it. So shut the up. Interest is accruing like none other. Other.

[A]

You said I spent $10,000.

[B]

10,500.

[A]

Oh, I hadn't. I did not know that. That's shocking. Okay,

[B]

yeah, maybe use the dollar wise app.

[A]

I did download it and then I didn't use it.

[B]

Well, now you get it for free. Actually fix your life like tens of thousands of other people out there and use it. Dick. Oh, you also use that card to get an iPad and an Apple pencil critical for crime analysis.

[A]

Well, I don't have a laptop, so I needed, so I just got.

[B]

So you needed an iPad? No, get a laptop.

[A]

Well, I don't know, I just, I liked having an iPad.

[B]

Cheap little Windows laptop.

[A]

Well my, I had an iPad and I liked working that.

[B]

You could have got a 500 Apple Neo right now.

[A]

I don't know what that is.

[B]

It just came out. And that would have been perfect for you.

[A]

Well, I needed something for school because I was gonna go back to school,

[B]

so that's what it would have been. Been. Well, I could also got a cheaper window. Well, how much did that cost? That shit's expensive.

[A]

Well, I had to get a new Apple pencil with it, so it was like $895.

[B]

There you go. You could have gone in a fine Windows machine for 600.

[A]

Well, just because I use my planner on my iPad. So I was writing.

[B]

Could have used the calendar on your computer and a planner in your phone as well.

[A]

I like to write.

[B]

Oh my goodness, your copes are insane. I don't care what you like.

[A]

It helps me remember.

[B]

I care about what you can afford. It's also called pen and paper. What everyone has done for college since forever.

[A]

Well, yeah, I tried to. I used to have like a planner, like an actual planner. But then like I would use it for like a month and then I would stop using it. So it, the digital one I've actually been using.

[B]

So you can't afford it. It's as simple as that. It's just as simple as that. What is this? You have a Walmart card.

[A]

Oh, somebody opened.

[B]

I see it. Cuz it's just.

[A]

No, somebody opened a card in my name.

[B]

What have you done? This has been there.

[A]

No, I, I for months.

[B]

What have you done?

[A]

I just got a letter last month that, that was that. They've proved it was. I called and reported it to them, but I didn't notice until like a month Later.

[B]

Good.

[A]

And then it took a while and they sent me a letter like last month, I think that said that it was proven that it was fraud and closed and stuff like that. But I still need. They said they reported it to the credit bureaus, but I still need to call and double check because it's still showing on everything as like a hard inquiry and stuff like that. So I don't know how long that normally takes.

[B]

I don't know. Have you called anyone?

[A]

No. Like, working nights. Things are during business hours and I'm usually asleep.

[B]

You work seven days a week?

[A]

No, but I. I forget how many

[B]

days a week you work.

[A]

Well, it depends.

[B]

Well, how about you use a special little planner?

[A]

Okay, yeah, that's true. I just like, I forget and then by the time I remember, they're closed. Like, I'll remember. I'll like. Wait.

[B]

How many days a week do you

[A]

work on my short week, like two to three.

[B]

Normal week?

[A]

Well, normal every other week alternates. One week is our long week and it's five. The next week is two or three free.

[B]

How many times you go to Pilates a week?

[A]

Depends. At least once you go to Pilates a week. Once or twice.

[B]

Okay, you can call them. Give me your phone. First thing that popped up, by the way. She just had it ready. I don't know why. Uber door dash hinge. Thank goodness. The. The critical ones.

[A]

I was curious when I got here, so I downloaded. Downloaded it.

[B]

Oh. You find any good dick?

[A]

No, not really.

[B]

Isn't that kind of the whole point? Well, I'd go Tinder for that same company.

[A]

I don't know, I just. I've only ever released. Yeah, I was gonna say Hinge and Bumble are the two that I usually use, but I was just curious. When I go places I'll like if I'm single, I download it. Just because I'm. Tomorrow morning is knocking. Stock your fridge now. How about a creamy mocha Frappuccino drink? Or a sweet vanilla smooth caramel maybe? Or a white chocolate milk? Whichever you choose, delicious coffee awaits. Find Starbucks Frappuccino drinks wherever you buy your groceries. Curious, like, what are you looking for?

[B]

Your most used app is okay, actually for what it's. Although that's today. I don't care about today. Here we go. Okay. Yes, within a week. Here we go. Here we go. She's on TikTok. An average of 4 hours and 30 minutes every day.

[A]

I doom scroll at work.

[B]

That's great. Well, people are actually doing Zoom for their life. Instagram for 2 hours 30 minutes. YouTube for 2 hours 30 minutes. She's texting for an hour and 40 minutes. I don't know who you're texting. She averages a day. DoorDash an hour, 17 minutes.

[A]

I scrolled a lot yesterday, but that's crazy.

[B]

Spotify an hour and 11 minutes. Apple Maps an hour and four minutes.

[A]

To be fair, what I watch on

[B]

YouTube is she pick up Instagram 81 times a day. Day. Door dash 36 times a day.

[A]

We use it at work.

[B]

Tik Tok 35. Yeah, you just no longer have an excuse that you can't make one single phone call.

[A]

Well, a lot of it is when I'm at work, like during downtime, which is at night time.

[B]

Do you have low power mode on?

[A]

Oh, because it like stops like notifications and stuff or like background stuff from happening.

[B]

Yeah, but it makes your screen stutter. Rain freak.

[A]

Oh, I didn't know that. I don't have any issues.

[B]

Okay, it is turn. For what it's worth. And also for what it's worth, the guy you were messaging last night, he's also. He's also hot and a Red Wings fan. So we're a fan. 29, 6 foot, doesn't smoke or do drugs, works in digital marketing, likes hockey. Okay, sorry. Look. Okay, he opened. He said, hey. Smiley face. He said hey. He said, how's your day going so far? So far so good. How's yours? Busy. Excited to be home actually. Finally fighting every urge to have a hill time nap right now. Lol. I feel that. I took a nap too. That's my fear. Oh, wish I could have earlier. Just did Pilates. Home. Listen, you're the woman. All the cards are in your favor. You have to pursue. He doesn't want to get cancer. Canceled. Listen, I wouldn't cancel him. Huh? Listen, I'm only in town for tonight. Then fly out tomorrow. I'm free for the rest of the day. Want to get together? There we go. Make a move. Stop being a. He's not gonna murder you.

[A]

I prefer to make a move.

[B]

Huh?

[A]

I prefer a man to make a move.

[B]

Exactly. But now everyone's afraid to. Statistically, about 40%.

[A]

Well, I wouldn't cancel him.

[B]

Doesn't matter. That is not what the ecosystem has led to. There are consequences for how the culture has gone the last few years. Surprised how that works. And surveys suggest so. Cold approaching is down. What is it, like 70%? The. The statistics are bad. Thanks to people like you who are afraid of everything, react to everything. Okay, well, I'm glad This is killed. What's that? Minimum payment on the saver card. $55. Okay, good. But you need a call and if you can be on Instagram.

[A]

Well, I have pto, so I. That's.

[B]

Oh, now I know why she's afraid of everything. She's on TikTok five and a half hours of every day. She's getting brain rotted by all the other victim people out there that are professional, that are tik tok diagnosed victims for everything.

[A]

Currently is punch the monkey and comedians. That's literally it.

[B]

Huh. Care credit. What's going on?

[A]

I use that for like medical stuff and so like my therapy's on it. My cat had to go to the vet. My cat's vet plan is on there and like dental stuff.

[B]

Okay. Why don't you have pet insurance? Well, I'd rather do that. That'll save you way more in the long term if you have good pen insurance. Shitty pen insurance. Will you.

[A]

Well, I started this before. I didn't know pet insurance was a thing. So I. But my.

[B]

You don't know anything. You're not willing to look anything up. It's so confusing.

[A]

But my vet had this plan and so she gets.

[B]

They wanted to make money. Okay, $1,100 on here. Minimum payment. $36. Eight years to pay off minimum. Only interest is accruing and yep, there's your Banfield Pet Hospital plan. I would not do the Banfield Pet Hospital plan. I'd get pet insurance cuz that will actually cover in an emergency. You are literally. My goodness. You absolute creature. You had. Dude. The deferred interest ends in only a few months. Then you're going to be 33% interest is charging at the $500 of the balance. This is so.

[A]

Well, I've never not.

[B]

This is. You're so.

[A]

I've never.

[B]

You never. Not until you do. Because you spend more money in your minute payments to get any higher and you're going to take a pay cut. No one ever does until they do. That's how it works. It's weird how that happens. Shut the up.

[A]

Well, I've always paid.

[B]

I don't really care. Everyone always does until they don't. You are headed down the wrong path. And the fact that you don't see that is the scariest thing in this entire conversation. No one on this show, no one on this show has ever been through bankruptcy until they've been through bankruptcy. No one has ever missed the payment until they've missed the payment. Everyone has always made their payments until they Don't. No one's ever been homeless until they are. Just because you haven't doesn't mean you won't. Just because it's never been in a car accident doesn't mean you won't. Just because you've never. Anything. It doesn't matter. It's just how it works. And your car's insane. What is this? This minimum payment? You can't afford this. At $516.67 while you're taking a pay cut with a wrench you can't afford. What the is this car?

[A]

It's a Toyota Corolla Cross.

[B]

Why do you need such an expensive car right now? 24, $993.20.

[A]

I got it in April and I didn't. I don't know. I don't know.

[B]

What do you think it's worth?

[A]

Probably like 28, 27.

[B]

You think it's. You think you have 26?

[A]

I don't know, 22.

[B]

Oh, not that bad for a car. You're only down, like, 3,000 bucks. But even still, it's new.

[A]

Yeah, I had, like, five miles on it when I got it.

[B]

Yes, but the moment you drive it off the lot, you're.

[A]

Well, yeah.

[B]

Then why'd you think it was worth more than you owe?

[A]

Oh, I don't know. I. I don't even. Because you.

[B]

Because you're. Literally. Because you're broken. What's the interest rate on this?

[A]

5.1% or something.

[B]

It's not great, but it's minimum monthly payment worthy until it's paid off. But I just. This is too expensive of a car for you. What was your car situation?

[A]

Well, I had like a. My car was like 10 or 11 years old, and it was doing okay, but it was like. But no, it needed.

[B]

You didn't need it yet.

[A]

Well, so two. There was two reasons why I got a new car.

[B]

Well, told me you deserved it.

[A]

I.

[B]

That you said.

[A]

I felt like I worked hard and like I was saving for.

[B]

That's not how that works. Just the math is. The math is the math is the math. The numbers of the numbers that reflects how hard you.

[A]

Well, like, I. I did a lot of research and I saved up. Like, I forget how much I saved for my down payment, but, like, I. So I was saving for a down payment on a new car, but.

[B]

Okay, that means we get a car we can't afford. What? Okay, okay.

[A]

But. Well, I felt like I could afford it at the time.

[B]

Oh. She felt like it. That's good. And I'm glad It's about vibes and feelings.

[A]

But my last car.

[B]

You really are on TikTok all day.

[A]

My last car was like about like the mechanic said that they needed like 8, 900 worth of stuff and I

[B]

already had like a 400900 versus $25,000.

[A]

Well, no. And then it was. So I was putting more into the car than what it was worth. And then on top of that, listen,

[B]

$25,000 and now you're underwater by 3,000 hours, which is less than you would have put in to a car than it was worth.

[A]

But on top of that, I felt like everyone wasn't seeing me on the road like in the past, like two years or well, last year wasn't seeing me on the road like my car was smaller.

[B]

Okay, I don't give a what they think. I really don't. It doesn't matter. And also good news, you're selling it easy. You're in a blessed position where you're only 3,000 under. Actually, 2,000 under under. There was $700 there, so. Okay, yeah, 2,000 under. So you sell it because you're going to borrow $12,000, 10 of it for a new car. A $10,000 car is going to be fine. You can get one where you're up. It's going to be used car a few years old. You're going to get it independently reviewed by multiple mechanics too. At least before you purchase it. 10,000 hour car, it's going to be a what, like a 2016 car? 2017, 2018 maybe. Maybe at best. And that's fine. You're doing that for a few years while you clean up your debt situation and that immediately improves their debt by 10,000 hours.

[A]

Is that like probably the only option?

[B]

Yes. Do it. Welcome to sacrifice. You're not willing to move? Sell your car. I'm gonna take a pay cut. Sell your car.

[A]

So if I move, you don't sacrifice

[B]

anything in your entire life.

[A]

So if I move next year, then I can keep my car?

[B]

No, you can move. If you move next year, you can can take the other job.

[A]

So if I keep my job, I can keep my car?

[B]

No, you can't do anything. Regardless, this doesn't fit in the budget and you'll see that. I mean, I assume. This is insane. Let's keep looking. You also have student loans, of course.

[A]

Yes.

[B]

And these won't be paid off.

[A]

What do you mean?

[B]

These will not be reimbursed?

[A]

No, no, that's for my bachelor degree.

[B]

Right. So $17,164.55. Are these deferred currently or do they not recognize your certification thing?

[A]

Well, it. Last semester it was, but now they just told me.

[B]

What's your minimum monthly payment?

[A]

139.

[B]

Okay. Your interest is fine enough where I'm not freaking out about you paying it off early. So minimum payments until they're paid off sitting between that 3 and 4%. Okay. Checking account started with $133. That's unacceptable. That is scary. That is terrifying. That is with 1,190 left. That's okay as long as you don't let it go below 1000. But you got an Apple bill. You're zelling out money. Starbucks. Starbucks. Amazon. Tik Tok Promote. What the are you promoting?

[A]

I forgot about that. I was just curious what would happen.

[B]

What would happen for what I'm on

[A]

what On Tik Tok.

[B]

What do you mean curious? What would happen about what?

[A]

I was just curious, like, how much the promote actually helps.

[B]

Helps what?

[A]

What are you trying to achieve? Like, anything. Like views or. I was just curious. So I did it.

[B]

What?

[A]

My Tik tok.

[B]

What is your tik Tok?

[A]

I don't know. Just like, random. I don't know how to answer that question.

[B]

You're the most broken person I've ever met in my life. You're paying to promote your Tik Tok about nothing. Amazon, Apple Bell. Amazon going as I get into kit Nit. Kitnip box. Okay, maybe. I mean, it's probably a waste of money. Just go to the store. Selling out money. Spotify. Define diff Diffen.

[A]

Oh, I bought some workout clothes.

[B]

Didn't have any of those. I bet two times a week. Three times a week. Probably hidden a workout clothes. You Apple bill, vending machine going inside getting some. So stupid. Savings went down from 1,950 to 1,100. Yet she thinks she's never going to be behind anything or do anything. Everything is going in the literal wrong direction.

[A]

I have a bill sp So I don't golf cough.

[B]

Okay, it went down well.

[A]

I have a. That's for my bills.

[B]

Okay, fine. You're right. This savings account went from 25 to 1 71. Golf. You're not gonna be able to survive. Everything's going in the wrong direction. Okay, this savings was 300 to 530. Like, it's not making or breaking. Your life in your retirement's at $22

[A]

that I honestly don't know what $22.

[B]

And then this one's at 1,120. So every. Everything's dramatically behind. Please. Maybe this one will have more. Okay. Thank you. One good thing. And I feel like what's unfortunate. 46,000. And that's actually pretty good for your income level in that. And I feel like. Because that's good. You feel like everything else is okay just because that number's good.

[A]

My retirement. I actually didn't know what it was until I looked at the statement.

[B]

Oh, great. So she's.

[A]

I just. Don't touch it.

[B]

I don't have a budget. Yes, I do. I lied. I'm a liar. Don't listen to my lion ass. Okay. Your income is for now before pay up. 4,200 bucks. What's your rent again? With fees and everything? Yes, it's that it's important.

[A]

I think average is like 1850. Well that's because like water is with it.

[B]

Okay. Well it's all. And then your utilities

[A]

average.

[B]

What was it, like 75.

[A]

I would probably discussed. I feel like it's more like probably 100.

[B]

Okay, 100. Get your debt minimums. So you will sell your car. Correct? Correct. Correct.

[A]

Can we see what the budget like says first? I really, really don't want to unless there's.

[B]

Again you equate once with unless.

[A]

That's really like the only option that I have.

[B]

It's. It would pay off your debt immensely. Quick liquor, which I guess you don't care about. I thought the entire tent was to get debt free so we can take the pay cut. Apparently not. You want. Literally, you want everything with sacrificing nothing. To be very clear. Shut the up. Shut the up. $1,094.30 debt. Phone bill.

[A]

So I. I mean, I meant to ask my mom. I asked my mom for my phone and my insurance, but I pay 106 to her every paycheck. But that's my phone and car insurance. Insurance.

[B]

Okay, that's fine.

[A]

So I don't know what each of them.

[B]

It's fine.

[A]

I meant to ask.

[B]

That's fine. 212. I'm crossing out car insurance. Vroom, vroom. Drive, drive. Gas.

[A]

I would say probably about $80.

[B]

Okay. And listen, you can do helium if T mobile is good in that area, which I assume it is in central Florida. Your phone bill.

[A]

I got a new phone.

[B]

15 bucks. Huh?

[A]

I have a new phone.

[B]

I don't care.

[A]

Well, it's not paid off.

[B]

Oh. Once you pay it off. Good. Groceries, 300. Use our budget meal plan. It's very good. It's detailed. It is a meal plan for every day of the month, including drinks. Including snacks? Including everything. Okay. And that's based on 300 bucks. TP fund. Anything else you need to survive? Makeup, tampons, all the good stuff. 100 bucks. Medical, healthcare, co pays.

[A]

My therapy is $30. I go twice a month.

[B]

Okay. Anything else?

[A]

No.

[B]

How much for fitness? Fitness?

[A]

Well, I was curious to. Okay, no, because.

[B]

Just tell me. I encourage fitness. Tell me how much.

[A]

I wanted to see how my Pilates is. Like I could buy the membership, but I was trying to see if I could afford the monthly.

[B]

How much?

[A]

229.

[B]

Good. Jeez, man.

[A]

But I can go less, so I just wanted to know what it was.

[B]

What can you go less to?

[A]

159.

[B]

159 then. Dude, you can't answer questions to save your life. You need to tell a story for everything. I just want a number. Number, subscriptions. 300. Anything else that needs to be on pet insurance? 50 bucks. How much for pet food?

[A]

Probably like $30 a month. I buy it in bulk.

[B]

So anything else besides a life story that needs to be in your budget?

[A]

Not that I can think of off the top of my head.

[B]

You have an extra 140 left. 1135 left left on a monthly basis. So. Yes. Sell your car, get your debt. Your car payment to like 300. That gives you an extra. Now you're at 250 left and 10,000 less on debt. 10,000 less on debt. We're going to minus our student loans as well. And keep the fitness. Keep the fitness. That's fine. Okay, so $50,057,347 and 39 cents of debt, minus 10,000. The car sale, minus the student loans of $17,164.55. This is before pay cut. You still got $3,182 of bad debt to pay off. With $350 left on a monthly basis is 86 months, which is seven years. So that's no longer an option either. Okay. The reality is is you sell the car. Everything else besides this goes to debt. And you're working overtime as much as possible at all times. You bring an extra 500amonth minimum, which is low on your end. And you can pay off your debt in a couple years. And that's fine because two years actually downgrade your living situation too. You accelerate it even quicker. Maybe a year and a half. Your debt, bad debt free. Besides the student loans, you'll be fine. You just have to work overtime, bring an extra 500 to a thousand dollars a month, which you can and you Are you have the ability to do so which is nice in your best position. So take it downgrade to your place, sell your car. That's what you do. You're debt free in about two years you get an emergency fund. Then you keep going 50, 30, 20. Live within your means. Damn. It's as easy as that dude. It's as easy as that. We're gonna call the boyfriend of the post show or the ex boyfriend. Hopefully he picks up out but let's get the hammer financial score first. Spending in a budget. You overspend 0 out of 10 debt, no collections that is good. You know honestly well for your income situation can give you better than a 3 out of 10. Well no you're racking up the cards balance transfers 2 out of tens emergency fund 1 out of 10 at best retirement that was actually good and for your age is technically a 10 out of 10 with your income 0 out of 10 for real estate. Hammer Financial score retirement saving your life. Hammer Financial score rounded up to a three out of ten. Get yours at Caleb hammer.com download dollar wise@dollar wise.com now join Hammer Lee membership on YouTube. Three premium shows posted every single day six days a week for the financial auto post show an extra 20 minutes. We're going to call the ex boyfriend. See you there. Call him. And she blames 50% at least of her financial situation of which is $57,000 of G debt on you.

[A]

It was an influence. He was an influence.

[B]

That's rich cover from her Jesus old

[A]

of him to say that now maybe

[B]

she shouldn't be on a financial show. Maybe she be on like an AA show. How's the drinking problem?

[A]

Oh my God.

[B]

This is the last week. Don't forget to download the new dollar wise budgeting app. This is officially now the best budgeting app on the market and I'm giving you a special deal to download but only through March 31st. First take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months or the annual plan at an insane 50 discount. Throughout the annual you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you. After March 31st the cookbook is going away forever. So this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollar Wise to start your free trial go to Dollarwise.com or click the link below.

[A]

You're probably driving, working out or doing chores right now. Now quick tip. TikTok isn't just entertainment. It's where I find fast practical advice for real life. Download TikTok now.