Vile Piece Of Sh*t Can't Wait For Her Mom To Die | Financial Audit

Summary

Podcast: Financial Audit

Host: Caleb Hammer
Episode: “Vile Piece Of Sh*t Can't Wait For Her Mom To Die | Financial Audit”
Date: June 6, 2025

---

Main Theme

Caleb Hammer sits down with Lila, a 30-year-old ultrasound tech from Long Island, New York, for a brutally candid financial audit. The episode zeroes in on severe dysfunction in Lila’s personal and family financial habits, a mountain of high-interest debt, and the ethics of secrecy and enabling within households. Central tensions include hiding debt from a spouse, repeated financial bailouts by her mother, and entrenched immaturity around money—all as Lila and her husband consider starting a family.

---

Key Discussion Points & Insights

1. Household Income & Expenses (00:41–04:00)

• Lila and her husband are both working, with a regularly fluctuating household after-tax income between $5,800 and $7,000/month (average: $6,300).
• They live on Long Island, which is "not cheap," but additional income comes from a tenant.
• Despite seemingly reasonable income/mortgage, they "never have any money" and face $70,000 in high-interest debt—excluding their mortgage.

“We should be doing okay. I make pretty good money and our mortgage isn’t bad and we have a tenant who helps. So we should be doing okay, but somehow we never had any money.” —Lila [03:00]

---

2. Financial Secrecy & Lack of Communication (04:00–10:00)

• Lila admits to hiding the full financial situation from her husband, justifying it by claiming not to "stress" both of them.
• She drip-feeds information, sometimes intentionally not sharing the debt details.
• Caleb is openly shocked, repeatedly challenging the morality and logic of her choices.

“It is more stressful to have a hint about a situation and not know the full picture than knowing the full picture.” —Caleb [08:07]
“Why do you get to be the choice maker?” —Caleb [06:21]

---

3. Denial & Rationalization (10:00–15:00)

• Lila rationalizes the secrecy: claims the healthcare field is recession-proof, refuses to acknowledge the possible loss of income, and brushes off warnings from Caleb.
• There’s a recurring theme of Lila underestimating risk and refusing to plan for drastic changes.

"There's nothing to be scared about." —Lila [10:46]
“You’ve never lived through a bad economic time, right?” —Caleb [10:22]

---

4. Origins of the Debt & Dependency on Family Bailout (21:42–25:00, 36:01–44:00)

• When married, they had $30,000 saved—burned through with new purchases (household items, a car for husband).
• Lila received large cash gifts from her mother, e.g., $60,000 for a house, and her mother took out loans in her own name to help consolidate Lila’s debts (now $17,532 owed, minimum $635/month).
• Lila seems entirely unbothered by burdening her 65-year-old mother or shifting risk to family.

“You’re putting your mom in a near $18,000 loan thing for your own mistakes… That’s your mom’s risk.” —Caleb [36:58–37:03] “She will be okay. She makes a lot of money.” —Lila [39:35]

---

5. Childish Mindset & Lack of Accountability (29:14–31:31)

• Lila repeatedly acknowledges being “the baby” of the family, never being told no, and not being used to adult consequences.
• Caleb reacts with visible exasperation and disgust, openly calling out her immaturity.

"No one’s ever said no to me, so I’m just not used to it." —Lila [29:56]
"Not used to being an adult. You’re 30. Grow up. You want to be a mother?" —Caleb [30:09]

---

6. Budgeting Failures & Overspending (28:00–31:31, 44:00–54:00)

• No real attempt at budgeting or lifestyle changes, despite severe overspending (e.g., $900/month dining out, double her income spent in a month).
• Reliance on credit cards persists: paying down some with 0% APR promotions, but otherwise not restructuring spending.
• Many purchases are frivolous, including gifts and home renovations, while debt accumulates.

“Trying is using the debit card for small purchases. And if I want something big, saving it, thinking about it.” —Lila [31:31] “You want me to save $60,000 after working for anyone?” —Lila [40:40]

---

7. Morality, Enablement, and Family Dysfunction (36:01–45:49)

• Caleb’s tone harshens as Lila reveals greater reliance on her mother for financial bailouts, including drawing from retirement funds.
• The ethics of using and enabling are foregrounded; Caleb labels the family dynamic as "financial abuse" and "spoiled."
• Lila justifies her reliance (“I’m her baby”), with little remorse or sense of urgency.

“The way you guys are using your mother is disgusting. Oh, this is nasty.” —Caleb [43:19]
"Mommy will be fine. I didn’t know that. She’s been paying my 40-year-old sister’s debt every year her whole life. So I’m not as bad as her." —Lila [41:35]

---

8. Debt Breakdown & Destructive Financial Habits (34:47–80:00)

Caleb dives into every account, credit card, and loan:

• High-interest credit card balances, most with minimum payments and some late fees
• Continuous use/purchases on cards already maxed out or accruing interest
• Frivolous charges (Amazon, Walmart, books, wall art, trips)
• $2,000 for a mattress, $1,200 for (uninsured) TMJ Botox
• Two auto loans (including a leased Tacoma), but Lila doesn’t know the basic details
• Checking and savings are always low or at zero
• Only retirement is $46,000 (hers), husband has stocks of unclear value
• Tenant contributes $1,300/month, but without this, the mortgage is unaffordable

---

9. Plans for Parenthood & the Unraveling Partnership (16:00–67:00)

• Despite chaos, Lila and her husband are planning to have a baby.
• She keeps money "safe from herself," and husband is kept in the dark.
• Caleb notes they behave as independent roommates, not partners.
• Lila insists, “We like each other a lot. He’s my best friend.” [67:02]
• Caleb: “You’re married. On paper only.” [66:45]

---

10. Host Judgment, Moral Outrage & Final Assessment (87:02–end)

• Caleb’s summary is damning: Lila is not financially self-sufficient, mature, or fit to be a parent until radical changes are made.
• He suggests bankruptcy or debt consolidation may be the only options once and only if she can prove behavioral change.
• Household is underwater by $663/month even with tenant, and escape will require huge sacrifices and a complete behavioral overhaul.

"You are not a good person. And I need to call it out. Because no one’s probably ever told you that before. You’ve been nothing but just…just babied your entire life. As you’ve self admitted." —Caleb [50:39]

---

Notable Quotes & Memorable Moments

• On hiding the truth from her husband:
  “Whenever we have to talk about finances, I try not to really give the full picture… I just don’t believe there’s any reason for both of us to be worried.” —Lila [04:32]

• On relying on mother's retirement:
  “It wasn’t even her cash. She took it out of her retirement. You made mommy take this out of her… Oh, I do not like you. I officially do not like you.” —Caleb [43:26]

• On being babied:
  “Because I’ve always been the baby, you don’t put… Everyone always takes care of me.” —Lila [29:53]

• On parenting readiness:
  “You’re going to have a kid when mom’s not here, your mommy’s not coming to the rescue anymore. Good luck.” —Caleb [48:53]

• On financial ignorance:
  “You haven’t done anything. You don’t budget, you don’t communicate. No, no.” —Caleb [29:49]

• On not knowing loan details:
  “You don’t know at all? …What does it matter? I have to pay it anyway.” —Caleb & Lila [85:09–85:14]

• On moral outrage:
  "You are financially abusing your husband. You are bringing a child into a world that you’re getting completely over. You don’t have a single financial discipline inkling to your name." —Caleb [40:51]

---

Recommended Timestamps for Key Segments

• [03:00] Lila discusses household income, tenant, and persistent money struggles
• [04:32] Admission of hiding finances from her husband
• [10:22] Denial about recession and risk
• [21:44] How the couple burned through early savings and began accruing debt
• [36:01] The mother’s loan and repeated bailouts
• [41:35] Lila rationalizes behavior compared to sister
• [43:26] Mother liquidates retirement for daughter's debt
• [50:39] Caleb’s blunt moral judgment
• [67:02] Lila insists her marriage is still good despite everything
• [87:02] Caleb’s final summary and reality check
• [99:06] Calculations: monthly deficit, unlikelihood of escaping without massive change

---

Tone

• Caleb: Unfiltered, direct, and often harsh in moral judgment—a mix of disappointment, frustration, and moral outrage. Sarcasm, exasperation, and disgust color his commentary.
• Lila: Overly nonchalant, defensive, rationalizing every choice, self-admitted “baby,” with surprising lack of agency or remorse.

---

Summary Conclusion

This episode is a deeply uncomfortable exposé of financial enablement, immaturity, and the destructive cycle of family bailouts and secrecy. Caleb turns his full financial and moral critique onto Lila, who admits to hiding debt, relying on family, lacking budgets, and making no concrete steps to fix her situation—even as she hopes to have a child. The clear message: until hard habits, accountability, and family patterns are broken, no financial tool—debt consolidation, bankruptcy, or otherwise—will save this household from ruin.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. You're putting your mom in a near thousand dollar loan.

[B]

She will be okay.

[A]

This is your mom's risk. If you die, I think she dies first. What the f are you talking about? Shut up.

[B]

She gifted me thousand the year before. She's not just gonna keep gifting me money.

[A]

You use people around you.

[B]

No one's ever said no to me.

[A]

Mom's not here.

[B]

You're well. When she dies, don't I get money from her?

[A]

Download my budgeting app today and take control of your money once and for all. And for a limited time only, sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below.

[B]

Hi, I'm Lila from Long Island, New York, and this is Financial Audit.

[A]

And how old are you?

[B]

30.

[A]

Okay. Miss that one. Yeah, that's okay. What do you do in Long island for a living?

[B]

I'm an ultrasound tech.

[A]

Cool. What are we making? Well, you just told me before we were filming that you're married, right?

[B]

Yes.

[A]

So do we have a dual household income here?

[B]

Yes.

[A]

Okay, what's the household income?

[B]

So if I look at pay stubs alone, yearly, we make about one.

[A]

You don't know your salaries?

[B]

Well, I work extra. Or he'll work extra. But in general, hourly. 54.

[A]

Is it 120 before taxes or after taxes a year?

[B]

Well, on paper it's 120.

[A]

But is that after taxes or before taxes a year?

[B]

Before taxes.

[A]

Okay.

[B]

But in general, the last few years, I've never made 120. I always make like 140.

[A]

Okay, so 140 then.

[B]

That's this year though.

[A]

Oh, why?

[B]

I ended up getting like a pay decrease because we used to do same job, same place. Nothing's changed. I just. We used to do call and now that's off the table. So instead of getting that extra thousand dollars a month, I'm getting not $1,000 a month. So each month.

[A]

So what's it going to be? What's the household income going to be? When does that change?

[B]

It changed last year.

[A]

It already did. Okay, so what is the household income going to be?

[B]

It ranges between 5,800 to 7,000amonth.

[A]

After taxes or before taxes?

[B]

After.

[A]

So what can we say is an average then? Based on what you've experienced? What can we say is an average?

[B]

I will work to make what I need to work.

[A]

So, girl, what the can we say is an average?

[B]

We can say 6300.

[A]

Okay, 6300. Now. Long Island.

[B]

Yeah.

[A]

Not cheap. No. How we doing? How's the household doing? You and the husband? How old's the husband?

[B]

He's great. If he wasn't there, it wouldn't matter.

[A]

Is he too much of a. What's going on?

[B]

No, he's working.

[A]

Okay.

[B]

He knows. He's not the problem.

[A]

How you guys doing? Oh, so self confessed. Okay, come on. How are we doing in Long Island?

[B]

We should be doing okay. I make pretty good money and our mortgage isn't bad and we have a tenant who helps.

[A]

Really?

[B]

So we should be doing okay, but somehow we never had any money.

[A]

You have $70,000 of high interest, bad, horrible, evil debt that'll destroy your life. Yeah, before the mortgage.

[B]

Right.

[A]

So if we have someone that helps subsidize our lifestyle by being a roommate, and that's fine. It's not a bad thing. You know, subsidy doesn't mean a bad word. But how are we struggling then? How are you struggling then? You bring him down.

[B]

I don't think I bring him down, but okay. But he'd be fine. He'd be doing whatever he is doing without me. On his own. Like, he's fine living.

[A]

What would that even be?

[B]

He was fine living in a $400 apartment. You know, like.

[A]

But what's the struggle then? What are we. What's so wrong? Why are we in so much bad debt? Like, how are things? So if. According to you, when we're making good jobs. Yeah, exactly. So you would be bringing him down.

[B]

No, he's fine.

[A]

Make that connection to me. No, he's doing great. Everything. He would just be living a cheap life if it wasn't for me. And you know, it's not my fault. I'm not holding him down. Also, I'm the problem. So tell me, please connect that somehow.

[B]

Well, he just gets to enjoy what I spend money on, but that also.

[A]

Means he's going to enjoy the consequences of you guys not being able to make a payment if necessary. So, you know there's another side of it, right?

[B]

Whenever we have to talk about finances, I try not to really give the full picture to my husband because I don't believe there's any reason for both of us to be worried.

[A]

Hold the on. That's. I'm trying to process this. Like he should be able to process the information after you give it to him, but you just don't give it to him. What the.

[B]

Why?

[A]

Just the fear of worry.

[B]

Well, what's the point of Us both.

[A]

Working so he can be informed. What if the guy like, he just doesn't know what's going on in his own household? Do you guys have kids?

[B]

Not yet.

[A]

Not yet. So kids are gonna come?

[B]

Yeah, that's why I'm here. We can't get. No, we are trying to get ready to have kids.

[A]

Okay, so they be great. Get it? Okay, that's fine. Well done. But he doesn't get to know what the state of the household is and he wants to bring a kid in the world. See, here's the thing. One, it's kind of not fair. I mean, did he ever request not to know anything? You decided that for him? Two, a kid's coming in. Maybe he thinks a kid can come into what he thinks the house is, but he doesn't know what the house is because the wife is keeping things from him self confessed and almost proud of it.

[B]

We're gonna get it settled. Like he has the things he knows and he's taking care of them.

[A]

Okay, what does that look like then? So why do you get to be the determin determining if he gets to know?

[B]

Well, it's not about what I want. Like obviously I don't want to be stressed about money. It's more so I don't want us both to be stressed about money.

[A]

That is your choice though. He's not getting a say. Why do you get to be the choice maker?

[B]

I have asked him in the past, do you want to talk about the finances? And. And in the moments when I have asked him, he said he wasn't mentally prepared to talk about them and then I just wouldn't bring it up to him.

[A]

Yeah, but how long ago was that? Well, cause you guys are trying to have a kid now.

[B]

Yes, and we did talk about them a little before I came on the show. Not everything, but. But most.

[A]

But how are you determining what he gets to know, what he doesn't get to know? I'm so confused that just like you're the arbiter of this, like you get to. You're the king.

[B]

No, I make a little more money, so I pay a lot.

[A]

Listen, you guys are a household. You guys are together. How long have we been married?

[B]

It'll be four years. Exactly four years.

[A]

Do you not consider yourselves a partnership?

[B]

Of course I do.

[A]

Then why doesn't he get to know what is happening in the partnership?

[B]

He can know.

[A]

He can know. Except you choose not to. He wouldn't know to ask even necessarily. Well, cause when you drip feed him information.

[B]

Because recently with the Thousand dollars. I'm not getting anymore. We have been struggling and I'll joke around like, oh, we're poor, we're poor. And then he gets so like, we're poor. I can't tell.

[A]

Okay, hold on. I have to explain this to you. You know, it is more stressful to have a hint about a situation and not know the full picture than knowing the full picture. If you know how bad the full picture is, but you at least understand it, that helps you. That, that means you can plan if you don't know what is going on. If you get the. If you get the can we talk?

[B]

Text.

[A]

That is more anxiety inducing than having the conversation that that leads to.

[B]

Right.

[A]

So drip. Freedom. Oh, we're. Hey, hey, we're struggling. Isn't that cute? Aren't I so cute? I'm such a good wife right now.

[B]

No, but that doesn't help him. That's just what works for us.

[A]

No, he doesn't know the other side.

[B]

But I know him that way. You know him.

[A]

Is it working? Is it working?

[B]

It is for our mental health.

[A]

Oh, wait. Oh, mental health. Okay. In the mental health, when we lose our home because we can't make a mortgage payment.

[B]

No, that won't happen.

[A]

Won't happen. How do you know? You don't know.

[B]

That'll be the first thing I'd pay.

[A]

First thing you pay if you can.

[B]

I will always be able to.

[A]

No, no, no, no. What if you lose your job? You already got a pay cut. You don't know what's gonna happen. He could lose a job. You could lose a job. We could enter a deep recession. You've never lived through a recession. You don't know what is happening. Like a real deep recession in the healthcare field.

[B]

We don't get affected by recessions.

[A]

You've already got a pay decrease.

[B]

Well, that's because they hired.

[A]

And that's not saying you like borderline don't get affected. You're one of the least likely to. Doesn't mean that in a deep, deep, deep recession you wouldn't experience something. Maybe you don't know what. How anything can happen. That is the unknown into the world and you're not prepared for that. You don't have an emergency.

[B]

I don't know how the health care field works.

[A]

Oh, please tell me because I definitely don't come from a family of health care workers. Please.

[B]

Oh, you do. That's nice. Well, I'm just saying we don't usually get affected by the recession because they're.

[A]

Needed much as much There is still funding issues here and there. You never know what can happen. Never know what can happen. You never know what can happen in the world of legislation. Like when the Affordable Health Care act was passed. You don't know what could happen in the world of repeals or, you know, someone comes in and does single payer, like, who knows? There are always things changing. You really see that one coming a bit more. But I'm not saying you wouldn't lose a job, but who started the conversation with the kind of pay decrease in their perfect job that is never affected by anything. Yeah, yeah.

[B]

Well, it's really.

[A]

And also, you're just part of the puzzle. There is him as well.

[B]

Income decrease. It's. And we knew it was happening months in advance. It wasn't out of the blue.

[A]

It was still money. Yeah, Money that you're required to live on. Now you're drip feeding him that. You guys are struggling because you lost it. What is this confidence? You've never lived through a bad economic time, right?

[B]

Well, I've lived through them, but obviously I was a child.

[A]

Yeah, yeah, you were like 10, 10, 15, something like that. It's okay.

[B]

Yeah.

[A]

You don't understand the full historical context behind things like that. Like you, you. I will never be able to get into the mind of yours. Like, you have no fear.

[B]

There's nothing to be scared about.

[A]

You just think it's gonna be like this forever.

[B]

Hmm.

[A]

You've never experienced.

[B]

I'm not worried about a recession because that's one of many things.

[A]

That's one of many things. You don't know what happened. You don't know what happened. New York City until recently, where population starting to climb, you know, has had population decrease. Let's say that affects Long Island. Let's say, you know, people are leaving coastal cities, they're moving to places like Tennessee, Texas. That is something that is happening. Okay, let's say that happens and it affects Long island more. There's less patients. They downsize our hospital. You don't know what can happen. There are so many things in this world can happen. And that's not doom and gloom. That is just you not putting yourself in a financially vulnerable position, which you are in. Having a $70,000 debt, not allowing the other part of the household to know what is even going on. Because you are the one who gets to choose what he knows and what does he doesn't know. Like, okay, that's fair. And also, maybe he's not recession proof. I know we're keeping his stuff a little more Private, that's fine, but maybe he's not recession proof. I don't know. And then all of a sudden, okay, boom, you just struggle losing $1,000 a month. What if you lose? Let's say he makes 40% of the household income. Let's say he'll lose 40% of the household income. Then what? Come on. It's not just you. I know. You're acting like it's just you. Because when it comes to the information you share, you act like it's the information that's just you.

[B]

Well, it's not like we only want to rely on the job. I do want to make, like, an emergency fund.

[A]

Great. You have $70,000 of bad debt, and you haven't changed a thing as far as I can tell. Probably. I mean, you're on the show as he's spending on this first credit card.

[B]

I know. I've tried to stop spending, but then I have no cash, so I have to use the credit cards.

[A]

In your mind, what the does that even mean? I would love to hear you flesh that out just to be extra. Extra sure what you mean.

[B]

I think I'm paying too much to the cards and I run out of cash.

[A]

Put too much on the cards. Put the money on the cards. Who the do you think you are? Oh, I got too much of my mortgage. I'm giving too much to the bank. You decided to get the mortgage. I'm putting too much to the car dealership. You decided to get that car. You spent on these credit cards. You're putting too much to them. Sure, I agree. You are, via your choices, not they're forcing you to. You did this to yourself.

[B]

I'm only doing the minimum on my main cards. But then there are the cards that I did, the 0 APR promotions and those I put more money on to make sure specifically, like, they go down before it's not 0% APR, so I know I'm spending too much to pay those off, and then I end up with no cash, and then I can't pay for groceries.

[A]

If you're ending up with no cash in this situation, then your priorities are you don't know where money's going, you're not budgeting, and you won't even talk to him. So let me get what. How much. What percentage is he even aware of? I know you guys just had a conversation right before coming on because, boom, it's going to be on the Internet.

[B]

Yeah, probably.

[A]

Yeah. Good, smart.

[B]

90%.

[A]

Yeah. What was it before that? And why not that extra 10%? What character unlock. Does he have to get?

[B]

Um, I don't know. Maybe I just forgot.

[A]

But great husband, Not.

[B]

It's also embarrassing.

[A]

She just forgot. She just forgot about you. She just forgot you existed.

[B]

No, about the debt.

[A]

Yeah, debt that impacts him.

[B]

Well, it wouldn't if he didn't want it to.

[A]

What? What are you talking about?

[B]

Like, it doesn't have to be.

[A]

If there are assets that you guys hold and you guys are married upon death, that he would be required to.

[B]

Not in New York.

[A]

For any of the debts. Any of the debts, even including the mortgage.

[B]

And if he's not on, it doesn't affect him.

[A]

Well, yeah, no, I'm talking about keeping the assets.

[B]

Well, yeah, he'd lose the house.

[A]

That's what I. Did you not hear where I said keeping the assets part?

[B]

Well, he. No, he could keep the house if he could pay it, but he couldn't keep the house if he can't pay it. So he wouldn't lose anything. Probably not alone because it does take both our incomes to pay it. But he could sell it. He doesn't lose it.

[A]

Okay, but on the statistical likelihood that you do, you guys do make it.

[B]

Yes.

[A]

You know, survival. So I would say that impacts him when it sounds like the breadwinner is not able to funnel the majority of her money towards the things that we want to do, like having a kid, and has to funnel towards all the debts that she chose to take out but not allow him to have. That still impacts on whether or not you're alive or dead, the things you're dealing with now and where the money from the household has to go to impacts them. Would you not agree?

[B]

Well, that's why I'm here, to figure.

[A]

Out how to do. That's not an answer. That is not an answer. No, I can help you figure it out. Yes. That is not. That is such a deflection. That is such a stupid answer that everyone gives when they get pushed into a corner. No, that's why you're here. I get that. I am asking why you didn't. And I'm trying to. You just said it doesn't impact him. And I'm trying to tell you it does. Don't say, well, that's why I'm here, to fix it. No, I'm trying to figure out why the that was in the first place. That way I can give you a.

[B]

Path out why I think it doesn't affect him.

[A]

Yes.

[B]

Well, if he wanted to get divorced for some reason, it wouldn't affect him. And if he wanted to open a credit card in his own name. It wouldn't affect him because he has his own credit. He's his own credit.

[A]

Yes. You're going on low likelihood things. Low likelihood of the divorce. Because we're trying to how things are.

[B]

How does it affect him? What does he want?

[A]

Lady, you seem to see it as yours and his everything. We're not talking about the divorce. We're not talking about a death. We are not talking about those things. The lower likelihood things. Because you're trying to have a kid. So I doubt you guys are in the world of divorce. Right. Okay. I'm talking about the things that you guys want to do as a household for your kid, for a potential future mortgage, you know, minimum payments across the board, grocery payments, any kid to summer camp, paying for college, doing these things we want to do retiring as a household. What your finances are. Deeply impact that because money has to go to the minimum payments of the debts that you have taken out without his knowledge. How would that not impact him?

[B]

So you meant in the long run.

[A]

Even now, the money from the household that is coming in still has to go to the minimum payments that he is not aware of. How do you not see this? How is this confused? How is this confusing? Please allow me inside that brain because I'm confused.

[B]

Want to spend any money?

[A]

That doesn't answer my question in the slightest.

[B]

That's me saying how like you're saying it affects him now because there's no money. He doesn't want to spend any money.

[A]

Do has not have future goals? Does he want an emergency fund for when the baby comes?

[B]

He should. I hope he does.

[A]

How the often do you guys even see each other? Have you had a conversation in a year?

[B]

That's the plan for this summer. He's working extra and I told him don't let me see any of the money. No, not stop.

[A]

So why does he think he needs to go get money? Why does he think that?

[B]

Cause we wanna have a kid.

[A]

There we go. Okay, so there's a goal to have money for a kid.

[B]

Yes.

[A]

Okay, so that's a goal we both realize then you having to send more of the household income out because of debt. He doesn't know impacts. Impacts his goals. Do you not understand that? Do you not understand that?

[B]

Well, now that you've spelled it out, yeah, it makes sense.

[A]

Okay. We did our ABCs. I'm glad I didn't know we were back in elementary school. Cognitive exercises. How did you not realize that that imp. Oh my. I'm just like where are we starting? I'm not trying to be mean. Just where the are we starting?

[B]

I'm only spending the money for myself.

[A]

No, but it's death that he. Oh, you. It's not about spending the money. Oh, for. Oh. You cannot be doing this to me this early in this conversation. I don't want to crash out today. I don't want to crash out. These conversations are too much. It's also hot in this room. Yeah, I'm telling everyone to turn down the ac. Listen, lady, it is not about the spending. It's not about the spending. I'm sweaty. Am I having a stroke? It is not about the spending. It is not about the spending. It ain't about the pasta. But it is the fact that there is debt that he is not aware of. It is that because those are minimum monthly payments that are required. Do you not understand that? It is that about you and going. Getting a donut? There are minimum monthly payments that he is not aware of.

[B]

He is not aware of 10% of them. He just doesn't know what they are for.

[A]

No, no, no, no, no, no, no. You just said he wasn't aware of 10%. And before the conversation. Before the conversation you guys even had. Because you. He knew you were gonna be exposed on a public platform, so all this was gonna be done then it was probably like 25% that he wasn't aware of, so. What the are you talking about? You just said he's not allowed to know the situation.

[B]

Because the latter, what you just said is correct. Now he knows what 100% of minimum payments are, but he doesn't know where.

[A]

They came from or the balance of the debt, stuff like that.

[B]

Right? Well, I didn't even know.

[A]

That's critical.

[B]

I didn't even know it was 70,000. So nobody knew in the house.

[A]

If we're having a baby, we should know how much high interest, bad debt there is to pay.

[B]

Yeah.

[A]

Private student loan debt can be overwhelming if you're seeking a more affordable way forward. Why Refi is here to help. Unlike traditional lenders, Yrefi is focusing on your desire and ability to repay, not just your credit score. With guaranteed interest rates under 6%, they offer a pathway towards lower monthly payments. WireFi also provides a cosigner release program, giving you and your family peace of mind. Their dedicated representatives walk you through each step, ensuring you feel supported and informed. Throughout the process, thousands of clients have experienced relief and why. Refi's 4.6 star rating on Google speaks to the service and guidance they Provide. This is more than just refinancing. It's a chance to regain control of your financial future. If you're ready to work toward a more manageable student loan payment, visit yrefi.com. discover how their tailored approach can reduce your stress, lower your interest and simplify your repayment journey. Take the first step in making your private student loan debt more affordable. Go to yrefy.com hammer that's whyrefi.com hammer or call 888-yrefi78 that is 888-yrefi78 and see how they can help you move forward with confidence. Listen, how did we get here in the first place then? Just how did we get here in the first place? We're about to go to these documents. Give me some context here. I obviously wasn't aware of any event until just like a day ago.

[B]

Right.

[A]

So please tell me.

[B]

Well, when we got together, combined, we had 30,000 saved. Then we moved in together.

[A]

Combined.

[B]

Yeah.

[A]

How much did he bring? How much did you bring?

[B]

He brought 10. I brought 20.

[A]

Okay, go on.

[B]

Yeah, well, I was very fortunate. That wasn't from my own. That wasn't from my own power of saving. I just had a lot of help, so.

[A]

Right. Optimism.

[B]

We moved in together. It was my first time living alone. I wanted to buy all new things. I wanted him to get a new car. Cause he had no AC and his windows didn't work. So I kind of forced you halfway decent. There isn't no. Well, in the city, but we're not in the city.

[A]

How far away are you?

[B]

Like a two hour drive.

[A]

Okay, keep going.

[B]

So yeah, you need your own car. So his car was owned outright, but I made him get a new one.

[A]

Okay. Too much detail.

[B]

Okay.

[A]

I don't need to know about a single car purchase before. How the did we. What happened to that $30,000?

[B]

He took half and put it into stocks.

[A]

Into stocks? What does that even mean to you?

[B]

I don't want to know about it. I don't want to know. It's still in there. I don't know what it is.

[A]

Do you think because you don't want to know where his investments are at, he doesn't want to know where your debt is at. Do you think that's how this works? Is this a one plus one?

[B]

Because one day it was 50,000 and the next day it was 10. So I don't want to know did.

[A]

He hold or sell?

[B]

He sold a little bit to get his van for work, but. But no, that was only like 4,000. So he lost it. Like, it went up to 50 and then dropped back down. So I don't want to know.

[A]

He's Meme stock trading.

[B]

No, it was just like, maybe. I don't ask.

[A]

Well, the s and P500 didn't do that kind of.

[B]

He only did it that one year, and now it's just in a stock and he's left a stock. A stock.

[A]

You don't know what the stock is?

[B]

He told me, but I don't remember. Something with an E. Something.

[A]

Ask him, Text him.

[B]

Okay.

[A]

I'm so curious.

[B]

To me, that's just like, his money. I just let him do his thing.

[A]

Why are you guys so independent? You're not. You're trying to have a child together.

[B]

Well, we're not independent.

[A]

What? My debt? His stocks.

[B]

Because he's good with money, so I don't want to be a pup.

[A]

Clearly not if he's with you.

[B]

If he also.

[A]

It sounds like he invested in a Meme stock, so I don't know if he went from 50,000 to 500 or whatever. The.

[B]

Wasn't like GameStalker. It wasn't like GameStop. It wasn't like that.

[A]

Never heard of that one.

[B]

Specifically GameStop. It was.

[A]

Okay, I got it. That's okay. So the world of you guys going about all this.

[B]

Yeah.

[A]

Do you budget? Do you have a budget?

[B]

I try.

[A]

When you guys talk about money, what does he know specifically now, on a monthly basis?

[B]

What does he know on a monthly basis? He knows we have to make at least $6,200 to pay off the minimums. What the.

[A]

You just told me 63 is your average going forward.

[B]

I'm saying we have to at least make 62.

[A]

No, no, no. You told me 6300 is your monthly net income on average, going forward.

[B]

No, I said no.

[A]

You told me six.

[B]

I said we made. Rewind it.

[A]

Rewind it.

[B]

We can say 6,300.

[A]

Okay.

[B]

I said we make between 5,860 7,000.

[A]

I told you to give me an average. And what did you say?

[B]

What do you think an average is? It's about. So some months, maybe you make 58, and some months you make 7,000, and then the average is 63.

[A]

What do you do when you make under that? 6,200 in a month?

[B]

58 is my base. I have two jobs.

[A]

That's not my question. My question is when you make 50, whatever the. How do you pay the 6200? How? How? How? You don't have the money to pay.

[B]

For it how we've been taking from savings.

[A]

What savings is there?

[B]

There's zero now.

[A]

So what do we do next time? Which was gonna be my damn question.

[B]

I don't know. I don't know.

[A]

That could be next month.

[B]

Yeah, it could be.

[A]

You remember when I said I'm gonna.

[B]

Try not to let it be, but gonna try?

[A]

Oh, that's right.

[B]

It could be anytime.

[A]

We were trying. We wouldn't be in this position to begin with.

[B]

Yeah.

[A]

Does he. Okay. He knows 62 has to come out?

[B]

Yes.

[A]

Does he know what comes in?

[B]

Yeah.

[A]

So he knows when you get 55 or something?

[B]

58.

[A]

Yes.

[B]

Yeah, he would know.

[A]

And his thoughts?

[B]

He just offers to work more.

[A]

That doesn't help if we're already under for the month.

[B]

Yeah, it doesn't help for the month we're in once.

[A]

Doesn't that matter for making payments? Doesn't that matter. What did you suggest? That matters to me. I think that matters.

[B]

Well, you don't always have a choice.

[A]

You have a choice of the debt you got in and the spending that you do. Lady.

[B]

Yeah, girl.

[A]

You spent almost $900 going out to eat last month. I think that's a pretty choice.

[B]

Well, he was on tour.

[A]

I don't give a what he's doing. Miscellaneous bull. $500. I don't give a what he's doing. Pack sandwiches.

[B]

He did.

[A]

Good. So then that's no longer an excuse that he was on tour.

[B]

Well, he can't only eat sandwiches.

[A]

Yes, he can. He can have whatever from the grocery store. He can do a lot of things.

[B]

Yeah, he makes. He ate tuna. He.

[A]

Very proud of him. That is no longer an excuse for the $900 almost spent.

[B]

Because I work at night and it's easier to just buy from the cafeteria.

[A]

Cafeteria.

[B]

But at least I'm paying $7 at a cafeteria for a full meal than going.

[A]

It could be cheaper per meal at the grocery store.

[B]

It could, but.

[A]

And it is, and you don't. Because why would we have any sense of maturity at all? I'm sorry, I'm lit up in this conversation, but it's blown my mind so far, if I'm being completely honest. Okay, so last month it was. It was on that $7,000 range.

[B]

Okay.

[A]

Seven to eight. Okay. But it was also one of the last months until that pay.

[B]

Yeah.

[A]

Okay. How much went out? How much was spent? That includes on debt.

[B]

Well, I made. You said between 7 and 8.

[A]

I don't care about your income. Yeah, how much went out?

[B]

I care because I know I don't spend a lot more than my income. Probably like a lot more.

[A]

She says she knows she spends more. That's good. And we allow that. We accept it.

[B]

No, I'm trying to work on it for sure.

[A]

What? Why don't you just do. It's money that you don't have. Just don't trying is $900 a month going out to eat. Okay, sure. That's a great try. Keep going. How much went out? Sorry, I'm being rude. It's just.

[B]

I think maybe 10.

[A]

Okay. It was like 14,500.

[B]

Really?

[A]

So I don't know what the you're talking about, man. That's double.

[B]

Yeah, that's a lot.

[A]

It's more than double your normal average. And you think your minimum payments is what you can't afford? No, it's your spending, your past spending that you can't afford. The month, the last month is what you can no longer afford.

[B]

Okay, that makes sense. But like I said, I am working on it. It's not as easy as just quitting something. You haven't done anything.

[A]

You don't budget, you don't communicate. No, no.

[B]

Because I've always been the baby you don't put. Everyone always takes care of me.

[A]

Oh, what a disgusting.

[B]

No one's ever said no to me, so I'm just not used to it. I'm just not used to it.

[A]

Not used to being an adult. You're 30. Grow up. You want to be a mother?

[B]

Grow up. But I'm the baby of my family.

[A]

You're gonna have a baby. You're.

[B]

Not yet. When we're ready.

[A]

Uh huh. You told me before the conversation that you guys are trying, so we're gonna try. Hmm. The baby of the family. You're 30. What a disgusting sentiment to have in your brain. You'll never get ahead in life ever. There's no conversation to be had.

[B]

How can you say that? That's not.

[A]

Did you hear what you just said?

[B]

I'm just saying why I'm like this.

[A]

If you're able to acknowledge it, it's even worse. Because it's no longer ignorance, it's just choice.

[B]

No, I'm working on it. I have to learn to say no to myself.

[A]

In the last month, you spent double what you make. How is that working on it? Do you mean you spend normally three times? What the are you talking about? Probably.

[B]

Probably.

[A]

But you don't even know. What does trying entail to you Trying to me? Trying? Entailing to me is like downloading a budgeting app. Okay, Write A spreadsheet, you know, not taking the credit cards when we leave the household, communicating with our significant other. Who would have thought about that one? That would be trying to me you have done none of that. That is not trying. What is your trying? I don't see trying. Please explain.

[B]

Trying is using the debit card for small purchases. And if I want something big, saving it, thinking about it.

[A]

All your money's going to debt. What are you talking about?

[B]

Like thinking about it. Waiting.

[A]

Thinking.

[B]

Waiting to buy it, make sure I really want it.

[A]

Not a bad mindset, but that obviously is now. What has correlated into the reality of your situation?

[B]

Well, it's a day by day process.

[A]

Hey, Pookie, our Memorial Day sale is happening right now. And it's your shot to grab some of the tools you need to own your financial future. Yeah. And for 10 short days, May 23rd through midnight on June 2nd, every single one of our classes is discounted. Pick any individual course and slash 20% off. Just $157 each. Or you could go all with the complete master your money Bundle and save $237 at 30% off so you can secure the core four courses at a massive discount. And inside you'll find step by step lessons on budgeting, crushing debt and beginner to advance investing Everything you need to start making smarter money moves today. And this deal disappears the moment the clock hits midnight on June 2nd. Click the link in the description below, lock in those Memorial Day savings before they're gone. Take control of your financial future today and see you in the classes. But the last day we have to look at. Yeah, so I don't know. Again, I don't know what you're talking about. It is a trend on the show of people coming out and saying I'm trying. They always want to just look good on the camera or they change something two days before they came on because they know they're gonna be on camera. Doesn't matter. I literally have your most recent statements and they're beyond. So that is a lie or you're just trying to say something that looked good in front of the audience.

[B]

No, I don't need to look good.

[A]

Then what is happening? Cause that is bullshit. No, I think in your brain you have a slight wanting of getting out of the situation, but not as much as you want to keep around in reality.

[B]

I need to understand what I'm spending on.

[A]

You know how you do that? You budget. You already know that. Everyone knows that. That is a basic tenet. You do not have to be A financially literate person to know a budget exists that you can make. You get the budgeting app for free forever. The premium version. We have to pay for the account connections on your behalf. And those who sign up for the annual version, of course. Link in the description below. Gets the cookbook that you can't purchase anywhere else that we made for budget friendly cookbook. I'll sign it and I'll mail it directly to you. If you want to come on the show, go to calebhammer.com apply. Usually I ask what you think you rate yourself financial score. What do you think the household financial score is? 0 to 10.

[B]

I took the test on your website. I think I got like a one.

[A]

If you want to know your score, take the assessment the one she took. Go to calephammer.com. use the link in the description below. Oh, let's get this finances on the moving because. Oh, wow. We have. Ooh, chunky, chunky, big chunky chunker. It's a big one. Okay, cool. Oh, good. We're starting at this insane balance. Okay, Amex. What's going on with this? Oh, it's an Amex. Wait, no. Okay, American Express. What is it?

[B]

That was a consolidation. I did.

[A]

Why do I see. Oh, interest is accruing. I said purchases earlier. I thought it was. Okay, so you owe 17,532. You consolidated. You consolidated. You consolidated and you didn't even know we're. And now we have debt again. What are we doing? Obviously, again, change your behavior before you consolidate or go bankrupt, because clearly this does not work. I am not against the tool of consolidation or bankrupt or whatever.

[B]

My debt's not.

[A]

What?

[B]

I don't think my debt's as bad now because I had to do this.

[A]

We have $70,000 of bad debt, and this is only 17,000.

[B]

But I had to do this because my cards were maxed out and it was really my credit.

[A]

Your debt is as bad, your limits just might be higher.

[B]

Yeah, well, technically, this my is today.

[A]

In the sweatshirt.

[B]

Yeah.

[A]

Have you seen you.

[B]

What do you mean?

[A]

You're, like, burnt, but in a small strip.

[B]

Oh, no. I was in Florida last week wearing a sweatshirt. No, no, it's. I wore a bathing suit. It's just.

[A]

Oh, I see it. I see how it's working out. Okay, sorry. Just notice it. It looks painful.

[B]

It is. It's peeling.

[A]

Okay, keep going out.

[B]

It's my mom's debt now.

[A]

Huh?

[B]

It's in her name.

[A]

So it's not in your name.

[B]

It helped my credit a lot.

[A]

This is not in your name?

[B]

No, my mom took it out.

[A]

Whoa, whoa, whoa, whoa, whoa. Why is your mom taking out debt for you? For you?

[B]

Just to help.

[A]

But she. But it's her debt.

[B]

She took out the debt for me, but I'm paying it back.

[A]

You're putting your mom in a near $18,000 loan thing for your own mistakes. Are you kidd. Jimmy, this wasn't cash she just gave you. This is a one. This has to be like 30% or something, right?

[B]

I think it's 12.

[A]

Even if it's 12, that's insane. It's disgusting. I can't see it. Yeah, I don't have it. It's not on the page for some reason. But I do see that $131 of interest is accruing. And of course, we're only making the minimum to payment, which is 635.91. What the are you doing?

[B]

Yeah, but it'll be paid off in two years.

[A]

That's your. This is your mom's risk.

[B]

It's already been a year.

[A]

We talked about the death situation early if you die.

[B]

Yeah, if I die.

[A]

Yeah. In the low likelihood situation, if you die first. Huh?

[B]

I think she'll die first.

[A]

Why are you saying that? You could get hit by a bus outside. What?

[B]

There's no buses.

[A]

There's. Yes, there are. What are you talking.

[B]

Oh, in Austin?

[A]

Yes.

[B]

I'll avoid the buses.

[A]

Oh, you are. Oh, you're so. What are you. Are you sure we should have a kid? I don't know, man. Okay, what if you die tomorrow? This also. And also, no, it won't be paid off in two years. What are you talking about?

[B]

I'm pretty sure it was just a two year loan. I took this out to consolidate, to pay off my high. My. Like, I had two credit cards that were maxed out, so I had to consolidate them. She was just helping me out.

[A]

Why does this not sound like most normal people? Yeah, she was helping you out, but she was taking out debt on your behalf.

[B]

Well, I'm her baby.

[A]

Oh, not this again. You're such a child. Why are you. You think that's cute? You think that's acceptable? You think that's an endearing trait to have? It's embarrassing. Are you not embarrassed? I'd be embarrassed. I'm embarrassed for you.

[B]

No, I'm not embarrassed.

[A]

You should be embarrassed. I'm embarrassed for. I see this taking. No, this takes three and a half years from today, and it's probably already been open for how long?

[B]

Can I look on my phone?

[A]

Just Tell me when ish. You took it out.

[B]

No, I want to look on my phone to see when it'll be paid off because I have a spreadsheet.

[A]

Dude, no, I don't. I don't. No, no. Just tell me when you took out this loan.

[B]

I think last winter.

[A]

It is not a two year loan. It is a four year loan.

[B]

That doesn't make any sense.

[A]

Well, it does with math. And also, has he texted you back yet?

[B]

Oh, I was on silence. No, he didn't.

[A]

I think we should call him later, honestly, either at the end of the show or in the post show.

[B]

Okay. I took it out in October, so it wasn't.

[A]

Yeah, it's a four year loan. Four to five. Four to five year loan. You think that's okay? It's okay. That's four and a half. Four and a half years.

[B]

I have it being paid back in 2027. So three years. Three years.

[A]

You're wrong.

[B]

Three years.

[A]

Also, you said two and it doesn't matter again. Your mom is responsible for this. If you die, if anything were to happen, if you became disabled, if you lost your income, she'd be okay. Shut the up.

[B]

She would be okay.

[A]

She took out her debt. She didn't give you money.

[B]

She will be okay. She makes a lot of money.

[A]

She took out a debt instead of gifting you. Obviously she is not in a position where she would just be okay or else she would have gifted you money. What the are you talking about? Shut up.

[B]

She gifted me 60,000 the year before. She's not just gonna keep gifting me money.

[A]

Why?

[B]

To buy my house.

[A]

Oh. You have never worked for anything in your life and you only just go in debt. You were such a child. Oh my goodness. You disgust me. I'm okay with getting a gift, but look how you've used it. Who cares?

[B]

Save up money for a house these days.

[A]

Me, Lindsay, Josh, Brandon.

[B]

That's great. I'm happy.

[A]

Four home people in this office of 15.

[B]

I'm very happy for you guys.

[A]

You just asked.

[B]

But we're in New York.

[A]

Lindsay, how much is the house you're getting? Ish. It'll be about 500. There you go. More than the house you got.

[B]

That's great.

[A]

It's not a competition. It's not a congratulation thing. It's like your example's wrong. And also you're in two hours away from the city.

[B]

You want me to save $60,000 after working for anyone?

[A]

No, I'm saying you've never worked for anything in your life. And your mommy's just giving you everything. And you've never had any discipline. Now you're dragging your husband down because you're not giving me the debt. You're getting out.

[B]

She bought a house for everyone.

[A]

Then she's spoiling and enabling her children. And look at the behavior. Look how it is translated. You are financially abusing your husband. You are bringing a child into a world that you're getting completely over. You don't have a single financial discipline inkling to your name.

[B]

No, that's not true.

[A]

How is it not? You have nothing but horrendous debt. You didn't know your debt. You haven't budgeted. You don't even know the way out of this. That your entire thing you can say is, that's why I'm here. Your mom took out a loan on your behalf because she gave all her kids money in order to get houses. Now she doesn't have any money to her name. That's why she had to take out debt. And if you die, she wouldn't be able to afford this. If you get laid off, if you get fired for being bad at your job because you're a moron, then all of a sudden, oh, mommy, I don't have money to pay. I need to pay for my mortgage first. Mommy has to pay her debt.

[B]

Mommy will be fine. I didn't know that. She's been paying my 40 year old sister's debt every year her whole life. So I'm not as bad as her.

[A]

Your family is nothing but a disappointment and a joke.

[B]

Well, they need to teach this stuff in high school.

[A]

You can teach it to yourself on your own. There's books, there's libraries, there's the Internet. What the are you talking about? There's this show. There's the money. Guys, there's so much out there. Out there.

[B]

Yeah, well, I started watching your show. I've learned a lot.

[A]

Apparently not enough. This is ridiculous. 17,520. $32.96 at a $635.91 minimum. Entertainment. For Mom. For Mom. For Mom. Are you. Are you kidding me? Are you actually. What are we doing? What are we doing? What am I looking at here? What am I possibly seeing? To mom. From. To mom. It says to Mom, Mommy. That's what it says. What is this for?

[B]

That's my.

[A]

Are these individual balances or is this stacking?

[B]

I guess I don't know what stacking means, but as it decreases, that's what I've paid.

[A]

So you owe 8561 to Mommy.

[B]

Yeah.

[A]

For what? And why and how?

[B]

Same what consolidated a different one. It was the same time.

[A]

It was an extra thing. This was the cash that she gifted you. And then she took out her credit card because she didn't have enough money. But she's enabling her children. What a you are. Oh, the way you guys are using your mother is disgusting. Oh, this is nasty.

[B]

Mm.

[A]

It wasn't even her cash. She took it out of her retirement. You made mommy take this out of her. Oh, I do not like you. I officially do not like you. That is a rare thing. I do not like you. You are a bad person.

[B]

I didn't make it.

[A]

You're a bad person. You're a bad person. You're a bad person.

[B]

I didn't make her a. You're a bad person.

[A]

You're a bad person. You are a bad person. From mom's retirement. How old's mom?

[B]

She's 65.

[A]

You're taken from a 65 year old to consolidate your own debt. Than you it all up and then mommy has to take off from a credit card.

[B]

My mom makes a lot of money. I'm not worried about her.

[A]

She's 65. Who do you think are on the chopping blocks for layoffs? No age discrimination.

[B]

She has her own business. Okay, let's see how long she wants to do that.

[A]

Let's see how long her health is. Let's see how long her business goes well. Let's see how long she has the energy for it. You do not account for anything in the world happening. You think everything is a stagnant flow where no matter what has been happening for the last five years of what's gonna happen for the next. You do not understand a single thing in this world. And you use people around you, including your husband. You use your husband. You use your husband. You use him for emotional balance. And you don't allow him to know any of the stresses in life so that he can just be there as a rock. And you just use his emotions. Now you're using his nut.

[B]

She will be fine. She's already finished her whole workflow.

[A]

You are a bad person.

[B]

She gets her pension. You are a free insurance, and she'll get money for your life.

[A]

You are a bad person. And she actually give a about her. It's not that she'll just work in.

[B]

The fire department for so long.

[A]

Congratulations, mom. You put out fires. I'm thrilled for you. Good.

[B]

Yeah. So she gets money from them for.

[A]

Let's abuse fireworkers. Fire Women.

[B]

Yeah, I don't really like the fire department by me. So I don't care. But yeah, she'll be fine. She gets money from them. She gets money from her job for the state.

[A]

Do you not realize? Oh, shut the up, you disgusting absolute creature. Do you not understand what you are saying?

[B]

I'm saying she's an adult and she decided to make these decisions to help her children.

[A]

Went to her. Hey, how did she find out about this? Hey lady, lady, lady. How did she find out about this, huh? Huh?

[B]

How did she find everything?

[A]

Yeah, there you go. You told her. Probably did a little oh, I'm a little baby. You probably manipul. Look at you. I know people like you. We all know you. You probably manipulated her. You kept dropping it just like you drip feed your husband. Oh, little struggle here and there. All of a sudden, mommy, little daddy. I had dad. Oh, I'd love to get her little house, mom. Oh, mommy, I would love to get a little house. And then all of a sudden she's like, oh daughter, I'm a fire woman. And it's just like, like, come on. Ew. Ew. You're making me crash out. Just. What the. I mean the thing is, we talk a lot about financial emergencies, but what about the kind you can't see on the spreadsheet? Stress, burnout, anxiety. They creep in quietly and throw everything off. You don't have to hit rock bottom to ask for help. And that is where sondermind comes in. They connect you with licensed therapists or psychiatrists based on you, your goals, your preferences, your schedule, online or in person. Fast matching, no endless waiting rooms. And their app has self care tools to help you stay grounded between sessions. The best part? It's accessible. SondoMind works with most major insurance so you're not draining your bank account to feel better. SondoMind is available in all 50 states, so yeah, they're probably available where you are. Look, taking care of your mental health isn't a luxury. It's a part of taking care of everything else. Go to sondermind.com Caleb or click the link below to get started today. That is sondermind.com Caleb to get started today and make mental health a priority in 2025. Ever been stuck with an unexpected bill just two days before payday, staring at your bank account like money will just magically appear? I've been there. College days, car breakdown and yeah, I'm googling cheap bus rides and dignity. And that's exactly the kind of moment where step would have been a Lifesaver Step is the all in one money app that actually gets it. With Step early pay, you can get up to $250 instantly. No interest, no hidden fees, just your money in your account when you need it most. All you have to do is set up a monthly qualified direct deposit and they'll handle the rest. Because life doesn't wait for a payday, and neither should you. Need a little extra cash on top of that for your birthday gift that you forgot to buy or the parking ticket that you forgot to pay. Step also lets you earn Extra cash, over 200 right in the app. Take a survey, play a few games. Boom. Now you've got more money to cover a surprise expense. Spend that money with your Step card and you can build your credit or use it to cover your phone plan, which you can also get on step for only 15amonth. Yeah, they got all the things, so go download Step if you haven't already. Now, if you're not too distracted playing games for money, let's get back to the show. You're gonna have a kid when mom's not here, you're mommy's not coming to the rescue anymore. Good luck.

[B]

Well, when she dies, don't I get money from her?

[A]

Yeah, if she has a big nest egg. I don't know, but that's disgusting. Your language. Shut the up. Your language is what was discussing.

[B]

You're the one who brought up her dying first.

[A]

Your language is what's disgusting. Your language is just disgusting. You said, oh, she'll be fine. That is not caring for her. That is not caring for the debt that she has given you. That is not caring for the blessings that she has provided. Oh, she'll be fine. No, it's oh, I'll work to make it up to her. Oh, she'll be fine. That is disgusting. You are disgusting. You are a bad person. And I'm calling. As I say, I don't give a f. I don't care if I look bad. I don't care if you don't like this.

[B]

I will work to make it up to her. I'm paying her.

[A]

Yeah, now you say that. Now that I said that. But that's not what you said.

[B]

No, that's not what she said.

[A]

She's the first one. That's not what you said. From your heart. That's not what you said. From your brain. You didn't say that. You said, oh, she'll be fine. That's what came out of your mouth.

[B]

Well, you don't know my relationship with my Mom.

[A]

No, but I know the words you're saying. And you only said that you'll make it up to her after I said that's what you should have said. And I don't believe you at all. I believe you are good at regurgitating other people's words after they say it to you. Because you have been nothing but a manipulative princess your entire life. Oh, disgusting. Do you have a minimum payment you owe to your mom? I don't even want to continue this.

[B]

I just pay her 150. No. Every two weeks. So it's 300amonth.

[A]

You paid her back that 60,000?

[B]

No, that was a gift.

[A]

See her face when she said that? What a joke. What a joke. I'll send you to therapy if anyone has ever needed it. I have three sessions through Sondermind. Well, whatever. If you need a change, which you might. Yeah, it's real cute what you're doing. And you. I mean, I'm not even gonna gift you the fizz card. It's great for you guys, but not for her.

[B]

Yeah, I don't have enough cash.

[A]

I wanna cool down. I wanna cool down. Yeah, exactly. Cause it only lets you use what's in your checking account. So you would be. Cause right.

[B]

I'm not worried about my credit anymore.

[A]

You're right. Cause mom's there. You're not worried about anything. Cause you never had to do anything. Cause you've been nothing but a spoiled brat your entire life. Let's call it how it is. Man. I love roasting people. It's fun. I love the jab and I love a good back and forth. I hate that I do not like you. It is a bad feeling. But you are not a good person. And I need to call it out. Cause no one's probably ever told you that before. You've been nothing but just. Just babied your entire life. As you've self admitted.

[B]

Yeah, people like me.

[A]

Cause they don't know you. They don't see this other side of it. Southwest. Great. $5,119.57 with a minimum monthly payment of $125. How long does this take to pay off? Is this another three years? Two years? One year? How long does this take to pay off? If you don't purchase on it, which by the way, you're incapable of because you purchase more than you actually put towards it. So. But if you only made the minimum. If you only $5,119.57. If you only made the minimum through payment and you didn't purchase on it. How long does it take to pay off?

[B]

25 years.

[A]

15 years. Which is still insane. You're okay with 25 years? Because look, guess what you're purchasing on it. You put $500 towards it. That would seem like a great amount of money. But guess what you purchased $649.

[B]

I'm not okay with it, but I can't afford to put more on it.

[A]

Then maybe you shouldn't be spending whatever the you're spending on. Should we go through what you're spending on here? What are we going to see? What are we going to see when I go through here? What am I going to see? I don't know, princess. What am I going to see?

[B]

Southwest. I think I told my husband to use that card on tour. I don't remember, but look at it.

[A]

Is he gonna stay with you after this?

[B]

Yeah, we like to.

[A]

When he sees this. Yeah. Does he know what he is actually attached to? What he's about to.

[B]

He's known me a long time. I don't know why he decided to choose me, but he did. So.

[A]

Probably cause you come from money. $74.24 of interest is accruing Microsoft Ultimate.

[B]

Right? Okay. That's the game. Pass. Right.

[A]

That's the game. Jeff. Biker going in gas station, getting some bull. Going to the gas station, Going to the gas station, getting some bull.

[B]

Tour stuff.

[A]

It was a late fee this year. There was a late fee this year after being bailed out this much by mommy. There are late fees. You've never learned anything because you've never had to. There's no. There's been no consequences.

[B]

No, I just can't do automatic.

[A]

You are financially. And yet you go and own a nice home.

[B]

You can't do automatically.

[A]

No, do not understand this. You are financially, yet you are out there living the American life that a lot of people dream for. You have achieved that homeownership goal at 30. You do not deserve this. It has been given to you on a platter. You have not worked for anything and you've never learned anything.

[B]

Well, like I was saying, they're late because I realized the day after they're due. But now it's in my calendar.

[A]

Just set up automatics.

[B]

No, because I like to pay it twice a month.

[A]

But you didn't. And then you purchased more on it anyway, so it doesn't even f. Cking matter. It doesn't even matter, dude.

[B]

Like I said, we're. When we're out of cash.

[A]

Why. But you shouldn't be.

[B]

I know, I know. That's what you don't budget, you don't.

[A]

Communicate and you just take your mom's money and you around with it. Or our children.

[B]

Yes.

[A]

Tougher. So in case a lot of interest occurring. Just hundreds of dollars of interest. Such and such.

[B]

I know. That's why I'm so adamant about. That's why I'm here. Promotions.

[A]

Oh, we'll see.

[B]

But I don't even know if I'm able to at this point.

[A]

Yeah, by your choices. You spend $900 last month on the month where you're getting better on going out to eat. I've been chase car sick. Okay.

[B]

I've been sick. So I can't cook.

[A]

It makes me feel Husband cook?

[B]

He's been on tour.

[A]

Is he a rock star? What are you.

[B]

Yes, he's a musician and he's still.

[A]

On tour and he can't cook.

[B]

Well, he got home Friday.

[A]

Good. And he can't cook.

[B]

He can cook.

[A]

You can't meal prep?

[B]

No, like I said, I was getting nauseous when I was cooking.

[A]

Why?

[B]

Just the smell was making me feel sick, so I took a break. I was probably just sick. I don't know.

[A]

$614.74 minimum monthly payment. $35. Oh, my piece of dick. $2271,297 of purchases on here, while $24.38 of interest is accruing. What the are we doing? What the are we doing?

[B]

If that's Amazon Cars, just stupid Amazon.

[A]

Purchases, then that's not cutting back if it's stupid Amazon purchases.

[B]

Well, I told my husband I want to cancel our Amazon.

[A]

Well, at least you tell your husband something, then do it. You do everything else without his permission.

[B]

He doesn't want to.

[A]

I don't give a.

[B]

He likes to buy stuff off of.

[A]

Great. You guys don't have money. And he probably doesn't incorporate anything into this household income anyway. Knowing what he does now, that's just.

[B]

One of his jobs.

[A]

Pull up your Amazon card for me. Yeah, it's Amazon. Amazon. Yay's Kitchen. Amazon. Amazon. Amazon. Dear you, Prime Video. Amazon Kindle Services. Amazon. Amazon. Amazon, Amazon Poshmark. Amazon. Amazon McDonald's. Come on sake. You went into 711 and got some bullets. Burrito Boulevard. Amazon. Jas Wine and Liquor. It's not even just being used for only Amazon. It's being used for so much bull. Things that don't matter, you dumb. At least no late fee on here. What the is this thing?

[B]

You've never Seen it.

[A]

What is this?

[B]

It's just a little phone.

[A]

I don't know how to screen record on this kind of thing.

[B]

Oh, same way you do on Apple. You just swipe down.

[A]

No, or else I would see it. Well, well, you can get it started. You can get it started.

[B]

Get started.

[A]

You like that phone? Yeah, it looks so.

[B]

I did break it though.

[A]

Low quality. Oh, that's why.

[B]

There you go.

[A]

Air filter. That's fine. Yeah. We needed a mug and piping and shampoo. Yellow tones and condition damage and parental we are trying to get preggy and Kirkland extra strength absorbent pads Hot anti bait kill queen colony. Okay. Yeah. Glue cards. Refilling. Pop drop. Morning sick. Okay. Amazon thermostat for adults and kids. You didn't have a thermostat at your house. You did not have a thermostat at your house.

[B]

No, I didn't. What is that thing people have.

[A]

Yes. To have a just right little beep beep beep beep.

[B]

Well, now I do.

[A]

Okay. Well yeah, but you got an expensive version. Just under the tongue, girl. Marvel Assembles Hero I don't think the kids here yet. Plus we don't think the kids here yet. Coconut fiber matte natural. What the fuck are we doing here? Mini guitar. Headphone. Get that one. Wall art. Great. That's necessary. More wall art. Great. Outdoor basketball. Fantastic. Necessary to live. We would die if we didn't.

[B]

That's my nephew's birthday.

[A]

Don't give a. Pay off your debt. Then give him a nice birthday present.

[B]

I picked the cheapest thing you wanted.

[A]

I don't give a fuck. Book go to the library.

[B]

I say that. He says he wants to own them.

[A]

I don't give a fuck. The want doesn't matter. And also sure he probably wants things thinking your financial situation is better because he doesn't fully understand the context because you haven't allowed him to tell right before he went on here. More books. More books. More books. This is stupid. Stupid Home Depot. Okay. What the. What's going on? We building a crib?

[B]

No, we redid our kitchen last fall. Summer.

[A]

Fall self renovate.

[B]

Yes, we did. Everything. Yep.

[A]

Okay, well, you owe $2,761 on a high interest card and $0.61. The minimum payment is $47. You're okay with paying this off in 18 years because that's how long it takes 18 years. 18 years to pay off your Christian. You'll need. You'll want to remodel it by.

[B]

We have a zero percent promotion and if I pay it off, literally. Interest is charging to some things, not the full balance. Okay, well, interest probably to like 200.

[A]

I don't care. Interest is charging. That is. You say you'll never join the Navy, never climb Mount Fuji on a port visit or break this down barrier. Joining the Navy. Navy sounds crazy. Saying never actually is. Learn [e-mail] America's Navy Forged by the Sea. What?

[B]

Matt turns $200.

[A]

Also, you're getting deferred interest and it has to be paid off in October of next year.

[B]

I'll be able to.

[A]

I hope so. Except you're pushing you to listen back to your own words sometimes.

[B]

I know, but I haven't stopped yet.

[A]

Your own words where sometimes I don't have enough money in my checking account to make the minimum payments. You just got your pay cut. Sometimes you make less than you need to make your payments. No, maybe you don't.

[B]

I haven't had that happen yet.

[A]

Your pay was just decreased, lady. Yet is the key word. I don't give a. Also, you missed the minimum due payment on another card. So that's not even true.

[B]

Located the next day.

[A]

Doesn't matter. It still happened.

[B]

Yeah, but that's just forgetfulness. Not because I didn't have great forgetfulness. I'm not gonna forget again. I put it in my calendar.

[A]

There's so many documents here. Who's to suggest you might not forget? Oh, you are ruining me.

[B]

That doesn't affect you.

[A]

Yes, it does. I give a thank you about your husband. No, it's basically. It's like 750 bucks. That's a great interest. So not just a couple hundred dollars. That is still.

[B]

How do you know?

[A]

Because it says it, lady. Because I have the statement.

[B]

Where does it say it?

[A]

What do you think is happening?

[B]

Where does it say it?

[A]

What do you think here? What do you think is happening on this show?

[B]

I wanna know how to read it.

[A]

I have statements.

[B]

Okay.

[A]

Dude, what do you think is happening? It's so hot in here. It's so hot in here. I'm sweating. So hot. Cause it's 103 degrees outside. It's $20 and the heat. Look what is happening? She goes to Florida like every New Yorker, okay? That's all she's doing. She just escapes and she goes to a place she can't afford anyway. You know, you have a nice little mortgage up there, huh?

[B]

I didn't pay well.

[A]

You didn't spend any money down there? No, not a penny.

[B]

I spent $20 on ice cream one day.

[A]

Bad.

[B]

That was My conscience.

[A]

You don't have money?

[B]

Well, they bought me food all week, so that was my contribution. My mom and my sister.

[A]

Spoiled the.

[B]

One doing her a favor by going on a trip with her. She wants to spend time with me, so I'll go with you.

[A]

You don't need to go to Florida.

[B]

She has a house there.

[A]

To spend time.

[B]

She has a house there.

[A]

Yeah, but to spend time. You don't have to go to Florida. It doesn't matter. Well, what a spoiled brat thing to say. Yeah, yeah, yeah, yeah. I believe I've lost a pen. And does anyone see a pen? I've lost a pen. A pen is gone. I don't want your spoiled brat pen.

[B]

Why?

[A]

Cause it's gonna rub off on me. I'm gonna start milking people.

[B]

Yeah.

[A]

They said you bought a lawnmower for 2,500 bucks.

[B]

That's a long time ago.

[A]

City simplicity.

[B]

Yeah.

[A]

Yeah. This is the house we want to bring a child into.

[B]

Yeah. To be clear, we have an extra room.

[A]

$6,228.38. Minimumly payment. $286.52. That's fucking crazy.

[B]

Yeah.

[A]

Yeah.

[B]

I think it already has the interest incorporated in it.

[A]

And that's why, yes, $51.91 of interest is accruing. Takes eight years to pay off. What do you mean? What the fuck? Okay, what's up with this card?

[B]

Eight years?

[A]

Yes, eight years.

[B]

Shouldn't be that long.

[A]

What? I don't. Oh, I'm losing energy and I hope. What the fuck do you mean, it shouldn't be that long? You're right, it shouldn't. Because you shouldn't have this much credit card debt in the first place. But it is, because. That's math, lady. I don't know. I don't f. Cking know. I don't know. I don't know. I don't know. Okay, so you tell me. What? What? Why shouldn't it be? Why shouldn't it be? It is, but it shouldn't.

[B]

Because when they offered me the loan, like it was like a $4,000 loan.

[A]

It said, why'd you get this?

[B]

A certain amount a year to consolidate.

[A]

This is in the loan. It's another consolidation. What is the point? What is the point?

[B]

Because 12% was better than 24%.

[A]

But look, it hasn't changed your behavior. And then you just rack up up the other debt.

[B]

Yeah, but when I. Only when I do use my credit cards now, it's for needs.

[A]

No, it is not. We already just went through a Credit card. We just went through a credit card. It was so much.

[B]

It was food.

[A]

No, it wasn't.

[B]

Yeah, it was. What was it? $100 on books. That's a lot. That was stupid.

[A]

Yeah. And the stopping in against gas station ultimate game. Pass. I don't remember every little purchase. You should. That's not my responsibility. But there was a lot of. There was a lot of bull.

[B]

That's my husband. I can't remember.

[A]

Listen, he's the other half of you. And if you guys communicated, you don't think that counts?

[B]

Why communicate with oh, I'm stopping at the gas station. Let me just tell her exactly what I bought and how much I spent this.

[A]

And this is why you communicate as a spoiled has accomplished nothing. Because no, it is not about, hey, I'm going to the gas station. It's about allocating the amount of money we're allowed to spend on bull at the beginning of the month and we meet at the end and figure out if we did, then we adjust for the next month.

[B]

That's a great idea, Caleb and I am gonna try to do that. Thank you for the advice. I just don't see why he would asked me to buy from the gas station. But you're right. We can set a certain amount that we spent we shouldn't be spending at the gas station. But he was on tour. What do you want him to do? He brought bread, he brought tuna. How much tour? I don't know the full number because Ish.

[A]

Ish.

[B]

The band in total primate him. And then he pays. I don't know. He keeps it to himself. He keeps it to pay off banned stuff. He pays the gas, the hotels, the merch. No, I don't know what he does with it. I don't want to see it.

[A]

You're married. On paper only.

[B]

No, that's not true.

[A]

Yes, it is. Beside the little insertion.

[B]

Yeah, Insertion. Wow. Well, you don't know we do that.

[A]

You're trying to have a kid and you guys are married. I hope you're.

[B]

I said we're gonna try. But no, we like each other a lot. He's my best friend.

[A]

And that's the extent of it. Cause you guys definitely are not combined in life. We are just not.

[B]

I just told him to keep his extra money safe from me.

[A]

Safe from you?

[B]

Yeah. Isn't that smart?

[A]

Oh my gosh. You are. Doug. I'm gonna. I'm gonna. I'm. Oh, I'm gonna cry. I can't. City diamond. Cause I can't. I can't. Talk to you. I can't talk. I can't talk to you. 1865.99. This one looks interest free. What is up with this card?

[B]

Same thing as all the others. Consolidation. This should be paid off soon.

[A]

No, no, no, no. I mean it ends in like 10 months.

[B]

It's pretty sick.

[A]

11 months. Know the interest free period? It takes four years to pay off.

[B]

Yeah, but I pay six years.

[A]

Six years.

[B]

I pay engine a little extra, so.

[A]

It probably still won't get there. It's not working.

[B]

Plus I do the math.

[A]

Listen, math lady, I have a spreadsheet. Math tells me.

[B]

Math, spreadsheet.

[A]

My spreadsheet in my brain tells me that.

[B]

Do the calculations. How much?

[A]

Okay, here's the calculation.

[B]

No, I'm gonna tell you.

[A]

Oh, I calculated it. If you make five. Did the calculation?

[B]

Pay 110amonth.

[A]

Hey, hey. I do. Boop boop, beep bop beep boop boop. I did it. If you make 5,800, you can't pay your $6,200 required on a monthly basis.

[B]

But that hasn't happened yet. Yet.

[A]

You just lost your body. You just died. You just got a demotion.

[B]

No, I didn't.

[A]

And take home pay. Yes, you did.

[B]

Yeah. And take home pay.

[A]

Oh, dude, how do you not realize that if you do not make the money, do be. I don't give a what you.

[B]

You're going to help me figure it out. Isn't that what you're here for?

[A]

No, no, I can't just say, go, go get paid better again. Dude, what the is your existence? Hey guys. Always ask me, caleb, what do you invest in? Honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom. If you want to see just that. A couple weeks back, I stumbled upon this social investing app called Blossom and thought, alright, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now and you can follow me at Caleb Hammer. I'LL be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously? Right now you can actually see what my portfolio looks like today. Well, this one's not 0%. You also purchase more on it than you put towards it. So. Freedom card. Freedom from using your brain once and then independence once. Freedom from Mommy. Oh no, no. $4264.09 Minimum monthly payment $105 14 years. The payoff if you don't actually purchase and make the minimum, but you only know how to purchase. Well, you $63. Why wouldn't you purchase on a card that is at least not accruing interest? Like if we're just being like logical about it. I don't get it. $63.14 of interest is occurring and then you go and purchase on here like what the. What the. What the?

[B]

I have cards that are zero percent interest, but if I can't afford to pay them anyway.

[A]

You can't afford to pay off the cards that are accruing interest.

[B]

Why would it matter?

[A]

It's just like I've given up La Fitness Pet Start Home Depot. We already have a Home Depot card. What the. What the are we doing?

[B]

Well, I try not to put. Well, it doesn't matter. I try not to put Home Depot purchases that won't get.

[A]

I try not to oops. And then I do.

[B]

Well, we fix everything on our own in our house.

[A]

It doesn't matter. You still put it on a car that has a community interest. I don't give a. That's not what I'm talking. Did I say you shouldn't fix things?

[B]

No, but we have to go to Home Depot to get parts.

[A]

Feel like you could afford a contractor anyway, so I don't know what you're bragging about.

[B]

I'm not bragging.

[A]

What are you saying then? I don't give a. Listen, you have a Bonvoy card. Minimum monthly payment 40 stupid dumb dumb dumb dummy dum dum dollars. You owe 1065.31. Minimum monthly payment, $40. Three years to pay off. Interest is accruing. Minimum monthly payment made. No more couple hundred bucks interest accrued this year.

[B]

So far I had that card at zero, but I had to get Botox at the beginning of the year.

[A]

Had to. What would have happened if you didn't?

[B]

Well, my TMJ was really bad.

[A]

I Don't know what the that means.

[B]

It's. It's just this muscle in your jaw.

[A]

Well, can I tell you something? You look 30. It's not even like doing anything for you.

[B]

It's not supposed to. It's to relieve pain.

[A]

Doctor's orders.

[B]

It's the only thing that works for teenagers.

[A]

Doctor's orders?

[B]

Yeah. Well, I see doctor's orders. I see a doctor now, so it should be free in the future.

[A]

How much did you spend on it?

[B]

1200.

[A]

Where'd you get Botox America? Yeah, Lisa did that. I'm a little nervous going to another place for Botox.

[B]

People have had good luck.

[A]

Why are you yapping so much then? So much bull. That job. He heard him.

[B]

What? What do you mean? Because of my team. J. I'm surprised you've never heard of it.

[A]

Why would I? I don't know.

[B]

Well, it was causing me like 10 out of 10 pain, so I had to get.

[A]

I don't know you.

[B]

So why would I know what TMJ is?

[A]

Yes, why would I know that?

[B]

I mean, it's very common condition.

[A]

So people just going through getting twelve hundred dollar shots always, constantly. Botox lasts what, what, three, six months?

[B]

What's the best pain relief for tmj? It's Botox.

[A]

Oh, yeah. But you have to go do this. So you have a 1200 payment you that you've done every three months?

[B]

Well, I had 10 out of 10 pain. I was crying from the pain.

[A]

I'm not against that. I'm actually. Oh my. Why can't you answer the question? So you have to do this every three months?

[B]

No, but now insurance will cover it because I found a doctor to work with.

[A]

And you've done the muscle relaxants, anti anxiety medications, low dose antidepressants?

[B]

Yeah, I've done physical therapy. I did steroids, physical therapy, mouth guard.

[A]

Okay, again, I remember postal. But why'd you go do that instead of go to a doctor first?

[B]

It was so bad, I wanted to get it done immediately.

[A]

And when you go see urgent care, the.

[B]

No, you have to see a specific doctor and she has to go through, jump through a bunch of hoops to get it covered by insurance. So it's already been in process. I saw her for the first time in March.

[A]

Well, not necessarily open to that compared to everything we've talked about. And again, that purchase is even on the statement, so that's not even something to talk about for this last month anyway. But it's why interest is occurring on a card. Someone in your income situation, living the life that you live, being bailed out so many times, being spoiled. Brad, you should have an emergency fund. That would occur covered that anyway, so it doesn't even matter. Shouldn't have been on a credit card to begin with, if we're being completely honest. PayPal Credit. What's going on with this?

[B]

That's just little purchases I like to push off. Like you get the six month and then you pay it off. So like sneakers that I need for work or concert tickets or flights when I go somewhere.

[A]

Little purchases. Those aren't little purchases. I thought you were talking about like a vending machine. Stop a McFry. Huh?

[B]

No, I would never.

[A]

Well, you said little purchases. Again. You have no concept of money because you've never had to work for anything in your life. Everything's bananas and you've never faced any consequences. And nothing's ever negatively impacted you in your life financially because you always had money in your back.

[B]

I used to have daddy too, but he died.

[A]

Well, see, Told you it can happen. Are you sure you want to leave that on your mom? If you do, I'm very sorry. That sucks. That's sad and I am sorry. But that shows that life happens and you can die. Which means you put your mortgage on your husband's back. Means you put the credit cards that your mom took out for you on her back.

[B]

Well, I got life insurance for my. For myself.

[A]

Yeah. How much?

[B]

I think it's like a million or something.

[A]

Okay, what's the status of it?

[B]

What does that mean?

[A]

Just like how long have you been paying into it?

[B]

Two years.

[A]

Okay, what kind of life insurance do you have?

[B]

It's through aaa.

[A]

What kind of life insurance do you have? Okay, what do you mean? It's a different conversation. We don't need to go there. I don't care. I'm going through your debt. $1,236 with a thirty dollar minimum monthly payment. Yes, you made more than the minimum on this. But it doesn't always matter. And there were purchases and adjustments anyway. Gog. Whatever the that is. Gog games. I think nine years to pay off. Interest is zero for now.

[B]

Nine years.

[A]

Nine years. Oh, to pay off. Not nine years interest free. No, Ginger's free. Until it all depends on them. Many of them know some start in October, lady.

[B]

June 14th. September 14th.

[A]

I don't see a June, but I do see October, September. Wait, sorry. October, November, November, November and then February. February. So that's a lot to pay off.

[B]

That's when they started.

[A]

And that and interest is brewing like crazy. 16, 32, 18, $7, $4. They will hit, they will blow, they will destroy you. And it'll be. If he ever wants to get a real job and bring in real income, I'll gift him a course. Career certification. By the way, Mattress Firm. I hope so. It's hot, isn't it?

[B]

Yeah.

[A]

Mattress Firm. $2,055.36. Available to spend. I hate that it even says that. What is the minimum monthly payment on this normally? Because it was already paid on here, so I can't see. Because you didn't send a statement. You sent a screenshot.

[B]

I know, because we had just got.

[A]

How much is the minimal payment?

[B]

I don't know the minimum. I only know the amount I would pay to avoid the interest, which is 100.

[A]

Probably 45 bucks.

[B]

No, 80 maybe. I wrote it down.

[A]

We're gonna call it 45 bucks. Okay, so what is that? I'm guessing that's for a mattress.

[B]

Yes, you'd be correct.

[A]

How much of a mattress did you get and when?

[B]

How much of a mattress?

[A]

The amount of $.

[B]

The amount that's on there.

[A]

No, what was the purchase price, lady? Did you just get it?

[B]

Yeah, that's why it's a screenshot, because we had just got it.

[A]

So a $2,000 mattress.

[B]

Yeah.

[A]

Nice mattress.

[B]

That's nice.

[A]

You need that. Instead of being able to make your other payments, remember you just went and got $1,200 emergency Botox. That could have covered that. That's more important. You guys didn't have a mattress before?

[B]

We had a really old mattress from 2010.

[A]

Good. So you had a mattress.

[B]

Yeah, but it's not good for your back.

[A]

You could have gone another six months. And also, we don't know the state of that mattress. That could have been a mattress. Some mattresses will last a lifetime with really good mattresses. I don't know what to say to that mattress.

[B]

We don't know what would happen in six months.

[A]

Maybe you would have had more money to get a mattress and not have to go into that for your Botox. Maybe for a reason. I agree with you getting, but it's how you went about it and the way you're living life around it, which is. Yeah, I'm surprised Mom wouldn't cover that. That's something where it's like, mommy, I would rather mommy step in and be like, oh, daughter's dying. Let me help. Instead of like, here you go. Let me enable your bad behavior. Apple card. Great. Love it. Oh, my. We have so many cards. This is insane. Balance $2,776.54 Minimum monthly payment $41.14Years to pay off. Went in, got some in the gas station Apple card. Went in and got some BS Premium. Apple bill winning. Got some BS underbelly bullshit. Interest is accruing. Pull up your phone. Oh, I don't know how to get there. On there. Nevermind. What subscriptions are you subscribed to on the Google Play Store?

[B]

Just Game pass.

[A]

Google Play Store.

[B]

Let me play. I have. Well, my husband has Dropbox icloud.

[A]

You have an iPhone too?

[B]

Yeah.

[A]

Why?

[B]

For work.

[A]

Do you have subscriptions on there? No. Okay, tell me. Keep reading. Go. Start from the start again.

[B]

Dropbox icloud. Game pass. My gym. We have the Amazon Prime. We have AMC through Amazon Prime.

[A]

Okay.

[B]

I have Bubble Bubble. It's like an app where your favorite Korean actor or idol can cancel it.

[A]

Wonderful. Good.

[B]

It's only $4.

[A]

Don't care. Cancel it. Only $4. It's adding up. You have no value. You don't understand the value of a dollar. Cause you've never had to.

[B]

It's just $4.

[A]

Exactly.

[B]

You keep going Spotify and YouTube.

[A]

If you have YouTube Premium, use YouTube Music.

[B]

I didn't even know we had YouTube Premium. Cancel Spotify two weeks ago.

[A]

He says no, I don't give a what he says. I literally do not. He's a dumb. I don't give a.

[B]

No, he's not.

[A]

Well, he is to me. If he's not willing to sacrifice anything for his future child, he's not willing.

[B]

To give up up YouTube and Spotify.

[A]

But I said if you have YouTube Premium, give up Spotify.

[B]

Anything else? Oh, you don't need both. He uses them for different things.

[A]

Well, he doesn't have to.

[B]

And his music is on Spotify and.

[A]

It can be on YouTube.

[B]

It is.

[A]

How do you expect him to make money? Do you have to subscribe to premium for that? Do you know that for a fact?

[B]

Before you say yes, the YouTube.

[A]

There you go.

[B]

So the YouTube has to watch to you.

[A]

Yeah. He couldn't come here n. He's busy. He's a.

[B]

No, he's not. He's more of a man than you doubt it.

[A]

I actually face my. I got out of my financial man goes on tour and stops at the gas station for all his meals and won't sacrifice anything for the sake of his child. He wants to have a kid. He won't sacrifice a single thing.

[B]

You got to get an energy drink.

[A]

Yeah, he can stockpile if you. If He's a. If he's a man who knows how to do anything and care for himself, can't even care for his wife, can't even have a conversation, can't even stand up to his wife and be like, yo, what's going on? What's going on? What's happening?

[B]

Well, he would never call me a bitch.

[A]

Well, I'm just saying that because I'm thinking that is you.

[B]

But he's very much in charge. He's.

[A]

Yeah. And that's why. That you don't tell him anything. Yeah. Yeah.

[B]

I don't want him to worry.

[A]

Very manly. Or he gets a little worried. He gets a bit worried. He can't have. He can't do anything. Cause he might get a little bit.

[B]

He's not like any of the pussies I've seen on your show.

[A]

But you are.

[B]

But I am sure I'll be a pussy. But he's not. Yeah, these are my purchases.

[A]

I have the household finances. You told me. Yeah, and no, we went to him. Some were his purchases. You literally just said that, like five seconds ago.

[B]

Yeah, but those are necessary.

[A]

Shut the up. I don't give a. This is a pointless, pointless rabbit hole. Pointless rabbit hole of nothingness. Okay. We have an auto loan.

[B]

Yes. 2.

[A]

You didn't wear deodorant. $10,257.17. Well, it's radiating to my nostrils.

[B]

Okay, I'm sorry.

[A]

Minimum fee payment. It looks like $178.76. You're coming to a place that is 103 degrees.

[B]

I know. I don't wear it at home, so I forgot. Want me to go use the bathroom spray?

[A]

No, I want to just wrap this up so I can be free from you. What is this car?

[B]

That's our RAV4.

[A]

Okay. What's the interest rate?

[B]

Well, I don't know. 6.

[A]

I don't know. 6. Can you give me. What is it? Do you know?

[B]

No.

[A]

You don't know at all?

[B]

No. What does it matter? I have to pay it anyway.

[A]

What does it matter? Because it's fine if it's bad or good. If we should speed up the payments. If we should not the. Are you talking about? It's 6.5.

[B]

How am I supposed to pay. Speed up the payments.

[A]

My choices.

[B]

Okay.

[A]

What is it worth?

[B]

Do you know the Toyota RAV4?

[A]

The Toyota RAV4? 4.

[B]

I don't know.

[A]

10 commercial. 97. So you're not terribly underwater. The interest rate's not disgustingly the worst.

[B]

Yeah.

[A]

Like your existence. But It. I mean, if you take it in depreciation, you're not certainly beating the market. If the money was in the market instead. So it's not like thrilling. So we might come back to it. Toyota. We. Okay, Double car. That makes sense. Toyota. What is this?

[B]

Tacoma pickup.

[A]

I know what a Tacoma is.

[B]

They might not know.

[A]

They do. But what I don't know is the balance. Could you please tell me that?

[B]

What? I don't know.

[A]

I see the minimum fee payment. I don't see the balance.

[B]

It's probably.

[A]

Do we have the balance? Minimum payment is $178.50. We are investigating balance.

[B]

I'm not sure. It's a lease, so it's probably like 12.

[A]

It's a lease. How long's the lease? You know, fees and bull get wrapped up in that.

[B]

Yeah.

[A]

What's the buyout? Usually it says that too.

[B]

I don't know.

[A]

We don't know anything. Okay, great. At least we know there's a minimum depayment there. Okay, here's the mortgage.

[B]

Yeah, I don't know.

[A]

$409,154 80. Minimum monthly payment, $3,738.90. 6% interest rate.

[B]

Yes, but our tenant pays 1300.

[A]

Okay, we'll calculate that into your income afterwards. Okay, yeah, that helps because that's pretty brutal. I mean, that's half your income, so that's a risky home to get. Why did we get this? Doesn't make sense. You can't afford it if you didn't have the roommate. Who knows how long that roommate's gonna stay there.

[B]

He'll stay. He's like her.

[A]

She'll be fine. It's like you. Don't you just. Again.

[B]

He's like our Joey from Friends. He's always gonna follow us. He's lived with my life.

[A]

You know, even the Mississippi that's been there forever changes.

[B]

Course, he's lived with my husband for 15 years.

[A]

Okay. Doesn't mean he's going to for another 15.

[B]

I don't think he's going to have a Nothing.

[A]

Is that stagnant in life? Life changes. You just literally think everything will stay.

[B]

The same in our life, in our lives.

[A]

What is it? A three way? I like. He might. You don't know.

[B]

No, it's not a three way. It's just really good friends.

[A]

He might have ambitions eventually. Eventually to leave and go do things. He might. What if he meets someone?

[B]

He did meet someone. They dated and they broke up.

[A]

What if he meets again? Huh?

[B]

He didn't want to leave. So they broke up.

[A]

Oh, my gosh. Okay, maybe you're the only person in this entire world where the entire life literally will never change for the next multiple decades to come. Okay, checking account 3000 went up from 1. So. What? No, no, no. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. No, no, no, no, no, no, no, no. Checking account went from no ending balance, $0.

[B]

What account?

[A]

Your Chase checking account.

[B]

Yeah, I use it to pay bills. I told you, we have no.

[A]

You want $0, though, probably. That's insane for a checking account.

[B]

Why?

[A]

What if a bill comes due and you don't have the money? Oh, my.

[B]

That did happen. Then it comes out of savings. We have the overdraft protection, yet we.

[A]

Decide to go to Colosso and go in the gas station, get some B.S. mcDonald's, go in the gas station, get some B.S. ash. Greenhouse Cafe. We decided to do this. Even when we get down to $0, we go PayPal and. And going in, getting some BS going and getting some BS little lunch or Neon lunch Cafe or whatever. Aqua Hut, Lynch Cafe, Starbucks, Tropical aquarium. We're doing this when we get down to $0. Billy Pretzel. Tropical aquarium.

[B]

No, that's how you.

[A]

I said.

[B]

Okay.

[A]

Nirvana. Go in and get it to be a smoke shop. Oh, glad we have a addiction. When we're about to bring in a kid. Let's get lung cancer.

[B]

I quit. When? Two months ago.

[A]

Why did I see Smoke shop then?

[B]

My husband.

[A]

Okay. What the. He's involved in the kid's life. I don't know if you know this. Oh, you. You think everything either applies to you or him.

[B]

No, he's gonna quit.

[A]

Nothing combined.

[B]

All right, he's gonna quit, but it doesn't matter if he doesn't.

[A]

Hush now. Greenhouse Cafe went and got some BS Disney plus you don't even have a child. Shopping is hard, right? But I found a better way. Stitch Fix online. Personal styling makes it easy. I just give my stylist my size, style, and budget preferences. I order boxes when I want and how I want. No subscription required. And he sends just for me pieces plus outfit recommendations and styling tips. I keep what works and send back the rest. It's so easy. Make style easy. Get started today@stitch fix.com Spotify. That's stitchfix.com Spotify. Yeah. Though Andor is fantastic when and. Huh. You watch Andor. Yeah. Okay, maybe I don't hate you for a second.

[B]

Thanks.

[A]

Did you watch the finale yesterday?

[B]

No, not yet.

[A]

Okay, I hate you again.

[B]

Shut up.

[A]

Winning got some BS winning. Got some BS 1800, $600 or $60. Who even knows where the that went? Winning. Got some BS Gift store, lunch, cafe, wine and liquor. We're doing all this while we're draining it down to zero dollars, ladies and gentlemen.

[B]

Yeah. Shouldn't I use my debit card instead of my credit card?

[A]

Steakhouse. Winning. Got some BS Kings. MT Zella Money. It's the fact that she shouldn't be doing it at all. How can we not comprehend that? Smoke shop, Greenhouse Cafe. PayPal. Yes. Winning. Got some B.S. cine Convenience Store. Winning. Got some BS PayPal, Domino Went Out. Got some stupid B.S. starbucks, Shaboo Starbucks, BSBs. PayPal. B.S. nirvana, McDonald's. B.S. b.S. B. S. Lunch, Lynch Cafe. B.S. zelling Out, Dunkin Donuts, Transfer, Burger King Bath and. But they works.

[B]

And.

[A]

Money out. Dollars in things. B.S. selling Out. B.S. b.s. Money Out Cafe and Grubhub Food. B.S. great. It's the savings. It's the savings that Three has. $3,000 but the checking account ended at zero stupid dumb dollars. And we're gonna have a kid. Good luck to that one. Good luck, little child. Whenever you join us. $80 in this checking account. Oh, Tropical Aquarium. Duncan. B.S. taco Bell, Wendy's. Little Tokyo. Good thing. Good thing it keeps going. Zell. Zell. Grubhub. The bright brain thing. I can't pronounce it right now because I'm probably desperately dehydrated in this 90 degree room. Selling out money. Oh, $1,000 in return. We're so sad, guys. Oh, 46,000. Who's this? Is that you?

[B]

What?

[A]

$46,000 in this retirement account. Is that you?

[B]

Yeah.

[A]

Does he have anything? Or is that the thousand?

[B]

What thousand? Oh, he doesn't have a retirement. He has his stocks.

[A]

Did he respond?

[B]

Probably not.

[A]

Is he a. What is happening? Why is he responding?

[B]

He's probably doing stuff.

[A]

What is he doing that his wife? Doesn't matter.

[B]

Enron. Just kidding. That's what he said.

[A]

Why? It's such an undiversified portfolio.

[B]

He said just kidding.

[A]

It's so specific. Oh, I thought you said just kidding.

[B]

He didn't say Enron. Well, that is an E. It is.

[A]

An E. So what did he say?

[B]

He said Enron. Just kidding.

[A]

What? Get the real. Oh, lady. You are a creature that has been hatched out of an egg and brought into this room to punish me. Are you proud of your existence? Do you like that you exist?

[B]

Yeah.

[A]

Why?

[B]

I'm funny. I'm cute funny.

[A]

No, cute.

[B]

Pretty.

[A]

Pretty. Yeah, you're fine, thank you. But you're definitely not a cute personality. And you are not funny. You're horrendous.

[B]

Well, in day to day life.

[A]

Day to day life. You're day to day life. Look what you've. Look what you've done. Look what you have made.

[B]

I know. I'm stinking up your place.

[A]

Yeah, you're also stinking up my place. Listen, your minimum payments that include in Your mortgage is $2,088.69. Okay. Mortgage is $3,738.09. I know. We will incorporate that additional income here in a second. But what about utilities? How much goes out on total?

[B]

So electricity is 254. Internet? Internet is 80. Car insurance is 438.

[A]

But no, I'm saying utilities.

[B]

Oh, sorry.

[A]

Is there gas? Utility? Gas.

[B]

Like for my house. We use oil.

[A]

Huh.

[B]

Oil. But it.

[A]

Okay, how much?

[B]

I don't know cause we only fill it twice a year. It's about 2000 a year.

[A]

Okay, so a thousand. So 2000. 2000. You've killed me. What was the electricity again?

[B]

254.

[A]

What was the Internet?

[B]

80.

[A]

Okay. Utilities. Do you live in the middle of nowhere? It's so weird. Utilities is $501. Okay. What's your car insurance?

[B]

438.

[A]

Gas. Vroom vroom. Drive. Drive.

[B]

180.

[A]

No, for both.

[B]

Sorry, that was doing two weeks. 360.

[A]

360. Phone bill.

[B]

210. But my mother in law pays $40 towards it.

[A]

Well great. We've saved so much money. $170.

[B]

Well, I want to switch necessary food.

[A]

$600.

[B]

$600.

[A]

Use the cookbook. 600. Meal prep. 600. Yes, you can do it.

[B]

Okay.

[A]

TP fund anything else you need survive. $150. No subscription. Well, fine, whatever. Let's say you have a few subscriptions. $25. How much for the gym?

[B]

30.

[A]

This entire episode I've had to fart so bad. And honestly, because of how much you're stinking up this video, I probably should as revenge. But I'm not going to. I'm not going. Ew. Weirdo.

[B]

No, I don't care.

[A]

Oh, you just ew. How much medical on a monthly basis co pays and stuff like that?

[B]

Zero.

[A]

Okay. What else seems to be in your budget that I haven't taken into account?

[B]

I have ADT security system. It's 65 months.

[A]

Okay. You have pets?

[B]

Yes. Pet insurance for my little girl is 332.

[A]

And then the food for them they get.

[B]

We buy once every three months.

[A]

Come on.

[B]

60. So divide that by 320.

[A]

Anything else?

[B]

Not necessities. No.

[A]

Good. I don't give a about the rest.

[B]

Can't just use it all, the life insurance.

[A]

Use our budget. Now does that get taken out before your pay hits or after?

[B]

After.

[A]

So you sign up for it separately. And that's okay because life insurance doesn't always follow work. Right, I get it. How much is the life insurance?

[B]

45.

[A]

Go for yourself. Oh. Yourself needed to survive is $8263.59. And you thought it was. You thought it was 6,000. Whatever. Okay, great. So, okay, how much comes in for rent?

[B]

1300.

[A]

Okay, great. So the entire household income is 7600. How did you think you were making this? I'm so confused. $8263.59. You're under water by $663.59. The only option is he goes, gets another job. You go get another job because there is no survival here. Yeah, I'm gonna double check the math just to make sure because that's a big number and I don't want to it up and I don't want to doom and gloom. I was right. All right. You go get another job. He goes get another job. And you guys live on bare minimum and you grind to pay it off. But just that $70,000 of bad debt. Bring an extra thousand dollars a month net with which is definitely. Sorry, no, no. $1,663 net. If you go and bring that in, that still takes what, six years to pay off debt? I don't know. And don't consolidate again. You haven't changed behavior. Look at the spending in the checking account.

[B]

But is six years so bad?

[A]

That's six years with you bringing in an extra net. Probably an extra before tax. Is 2,250. Okay? Before tax, taxes, that's you both combined. So that's a lot of work. That's you cutting back to zero, doing that for six years. That extra work, probably 55 hours each a week in work. So that's pretty bad. Sorry. This is where you are. Listen, what you might honestly want to do, if you can prove for six months that you change your behavior, maybe go through bankruptcy, but do not do any kind of debt shortcut until you fix your behavior. Or we will be having this conversation again and again in just a year.

[B]

Yeah, well, so if you can fix.

[A]

Your behavior in six months, come back on the follow up channel and then I will give you permission for consolidation or for or bankruptcy. But until then you need to grind this and go make that extra money because that's it. Spending a budget. You overspend. 0:10. I'm gonna call the husband and the post show. So stick around. It's always the juiciest conversation. Subscribe below. The elite version is the best YouTube membership on the entire platform and it really helps support the this channel. Debt. This is and this is brutal debt. But no collections. 1 out of 10. No IRS debt. Emergency fund. There's 3,000 in savings. I'll give you a 2 out of 10 for what it takes for you to survive retirement. Yours is good but then you have to combine you guys together with where you're at. Combining him 4 out of 10 real estate. What's the equity position of the house? What's it worth? The house?

[B]

It's worth 550 now.

[A]

Okay, well this is what's going to carry you. I get to add extra nuance to my score since you didn't put down the down payment. You don't even appreciate it. I was going to. I'm going to take any for 8 to 7. Hammer financial score rounded up 3 out of 10 guys. Join us for the post show. It's going to get really juicy when I bring the husband and actually expose all her for real and let him know what is actually, actually happening. It's gonna be crazy. And don't forget, if you don't want to be like a guest on the show, just download my budgeting app. And for those who sign up for the annual version of Premium, I'll send you the Budget friendly cookbook which you can't purchase anywhere else. I'll sign it and mail it directly to you. See in the post show. Why too much of a to come sit in front of me? Your whole stick doesn't appeal to me. Your shtick is just going worse than a debt and not knowing a single thing about it. It is what it is. This kid's gonna grow up on the streets. That's what we're hoping. What that grow up on the streets. How much high interest, bad debt do you guys do you think you guys have? 20,000. Buddy, it's $70,000. 70,000. I know we're bringing kids into this world, but you're giving short answers that a child would give. How the do we deal with that? So call him back and try to convince him.

[B]

I will call him.

[A]

Elusive members content Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.