But you're given the blessing of a lifetime and you're [ __ ] it. Like what are you trying to do with your life? You're just a partying person. This is a joke. You're you're acting like a child. You're not 22. You're acting 12.

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Hi, I'm Maya. I'm 22. I'm from New Bron Falls and this is Financial Audit. New Bron Falls, Texas. Right. Yes, sir. Perfect. And what do you do for a living? So, I am currently a ranch hand out in Johnson City. I do anything from hurting cattle and to I'm doing You're full. Yep. But wait, financial what? uh to financial paperwork in the office at the end. You do the financial paperwork? Yep. I do everything. Okay. What are we making doing this? Uh anywhere from 15 to 20 horse girl? Cuz I've had a horse girl on the show and it didn't those weird horse girls though. Those are like equestrians or like the hobby horse. I don't do that. You have the look of a horse girl. Hey, I'll take it. But I'm not that weird. Like the blonde hair horse girl. I'll take it. Hey, at least mine isn't dyed though. Theirs is. Theirs is fake. What? Just saying. Horse girls like the weird equestrians. They're a little They're a little dyed. How much you making horse? 600 a week. Okay. What the f Oh, a week. Okay. Well, a week at least gives us something to play with. In my mind, I heard a month and I was like, "Oh, no. I wouldn't be able to survive." Is that before taxes or after taxes? Uh, I don't do taxes with them right now. What does that mean? That is like a freelance gig that I do for the owners there. That's not how money works. Yeah. Did a horse kick you in the head? I'm a little confused. You still have to pay taxes. So, that is the even if you're a contractor. All I'm talking about is that they do they do the taxes on their end and then I'll do an I9. I'll do a I9 I9 for it on my end. So, you do pay taxes? Yes. I just thought that you meant take it out of the chats that I'd get from them straight off the You put aside some money. Yes, we'll try to, but we've seen how that was going. Yes, I have seen how that goes. Okay. So, I mean, I don't think your tax bill would be substantially high by any means, but you still will might owe something in the end. I mean, you don't have any kids, right? No, no kids. Okay, I'm good. So, I mean, there's likely still some tax bills that would be coming, but you're on the lower income scale for sure. So, 2,400 hits before you put anything anywhere. Yeah. How many hours a week are you working? Uh, anywhere from 30 to 70, just depends on what we're doing. Okay. Then, get a different job. If our if our gross pay gross, not even net gross pay is less than $30,000 a year, run. Hop on a horse, jump the fence, run. I I got I got a different job doing this. It's only about like a month. What were you doing before? I was a carpenter in Drifting Springs at a shop at a private ranch and I ended up almost cutting the top of my finger off with a table saw. Go be a different carpenter then. Instead of working at a private ranch, why don't you just go have a normal job instead of working for different ranches? Normal jobs are boring. Normal jobs pay the bills. They They do. Yes, they were paying the bills as well when I was there. So, it's just a matter of making I was making the about the same that I'm making at the ranch now. What the Okay, 22 could be a year of We might be in college. Might be taking a break from college. Might be serving in the military. Do we have anything going for you or are you I am in college right now. I'm a junior in college in Bmont. I go fully online. Yeah, I just moved from Bowmont. Bad ideas. I know. I don't know, but I was just going to say that's a long commute. Okay. I go fully online, so I don't have to drive down there. Yeah. What are you studying? Uh, criminal justice. Okay. I mean, that can definitely be a play. Are What are you trying to do afterwards? I'm trying to do FBI forensics side of things. So, Okay. Okay. Now, I don't know like the acceptance rate into Quantico. Yeah. No, it's definitely very low. I definitely have to push my standards. Well, you have alternatives. Uh, corrections. I've been looking into corrections in Austin and San Antonio. trying to make it also doesn't really pay that well. No, it doesn't. But it definitely pays more than I want to make it now. And you want to do corrections like being in the jail? Yes. We've had some people tell some wild correction stories on this show. I think it was a member exclusive to someone who was in and out of prison like crazy. Uh the lots of bad things with the lady guards, I'll be honest. Unless are you going to be in a ladies prison? I don't know yet. Whatever whatever because it was it was quite bad on the other side in the in the state ran local ran. Yeah, that that's a given though, especially if you're going to be a girl in any any fields like that or blue collar. There's always going to be Well, you said it was good in federal, but yeah, federal, but you also have to work your way up to it. That's for sure. Work your way up to federal so everyone starts in the bullsh Yes. But if you don't get that, we're just making No, not necessarily. No, there's there's always other alternatives. That's just my biggest, hey, I got to go this and I want it, so I'm going to try and make it. Life's just had other plans and that's been my own fault. So, okay. What are the life other plans? What's been your fault? What's that? What are we talking about? What's going on? Anywhere from moving out of state almost to almost means you didn't. So, Oh, yeah. No, I didn't. but constantly moving or things like that or different jobs every other 6 months or so. Well, why why are we leaving and going to different jobs all the time? The the the safety of the finger thing, I get that. Yeah. But definitely why are we leaving jobs every second of our life? Choosing the not so good jobs. That's some Bowmont. Yeah. I like that laugh. Bumont especially. I've done anywhere from plants that weren't the best. I've done heavy equipment operation. Mhm. I was a process operator in the plants. I'm sure you've done siblings as well. Okay. So, we're just jumping from everywhere, but no actual focus. Yeah. Junior in college 22. That is everyone can do it at their own pace, own timeline, but that is typically older for junior. Yes. So, I skipped a year after high school because I was supposed to go military. Ended up not doing military cuz I didn't want to be active duty. Bad choice on that part. Okay. It was it I I don't know. I I think so. I should have done it, but the I mean, you can or can't. I don't know. I only want people to serve who want to serve cuz then they're going to go kick ass. Yeah. People don't want to. They're just going to be not the people you want on the front lines, I assume. Yeah. You're not wrong about that one. So, okay. But yeah, no, it's just a matter of I've done some stupid things and I've It's a fear of missing out is kind of why I did it. No. Okay. My my fear as we go into this conversation, as we think about the finances, my fear is it is clear from the life you're living that you are not someone who can focus on something. You are life ADHD. Yep. That is ADHD. But life ADHD, you don't stay. I'm surprised you've been you've made it to your third year of college with how quickly you've changed things apparently. Did you go in for criminal justice? Have we changed? Yeah. No, I actually went in for criminal justice. I did. I actually How are you paying for school? How are you paying for like how are you working 70 hours a week while doing school? I actually was in foster care. So that is paying for my school thankfully through the state of Texas. Okay. Okay. So I don't have to worry about student loans or anything like that. But I'm definitely these past two semesters I have not been the greatest in. So I'm not doing the best in that either. Hold on. The past two semesters is half the time you've been in [ __ ] college. What do you mean you're not doing semesters? I'm talking about like the past like we have 8week intervals with my school. So there's been this semester and then last semester. Haven't you only if you're going into junior year or are you in junior year? I am in junior year. Haven't you Aren't you in your fifth semester then? Math maybe. Yes. No. Sixth. Okay. So a third of school you Yeah. What do you mean it's struggling? What's happening? Uh just me. I'm doing it to myself. We're definitely So, but I I moved. No, tell me what's actuallying happening. I It It's my birthday week. I turned 22. I kind of just took a break from life and avoided all the stress and Oh, our civilization's done. Yeah. No, I went to New Orleans and everything else for my birthday. And I You're on this show. This means your money's not going well. Listen, you got the free college thing and I'm happy you get that. It's cuz you went through foster. It's not like you were just giving it for no reason. And so there's a good reason you have it. Okay, we can take advantage of that. Taking advantage of that is actually getting a step ahead of everyone else that you're competing with in the marketplace of life, in the marketplace of getting a house at some point, in the marketplace of actually getting a better car, whatever it might be. Retirement. Yeah, retirement. You have that step ahead cuz the rest of us, we have to pay for school and it's a fair reason why you're not. However, you're using that as an opportunity to support the weak New Orleans. Like, that's not It's a matter of I didn't do anything grown up. So, now I'm using my adulthood to do that and it's just college. Yeah, I am. That's not the go do stuff time. That's when you're you're in college. Have fun in college. Yes. But the typically when we don't have the strongest income isn't when we're going and exploring the world. That is the when we have a career, an emergency fund, retirements, hitting the goals, we're hitting the savings goals we want to get. Maybe we're getting a house, whatever it is. No, you can you can do both. It's it's a good little balance of things. Definitely. We can balance things, but if you're on this show, you haven't balanced things. It's it's why I'm here. That's why I'm here. We're seeing we're seeing to see if it'll it'll figure it. That's why I'm here. It's not aing answer. I know why you're here. It's cuz your finances are dumb. That's why everyone's here. We get it. Okay. But I'm asking you questions about what landed us here in the first place. That's not a that's why I'm here. It's it's the fear of missing out from whatever I didn't do. So now it's like, hey, I can do whatever I want. But you've already missed out. How can you be afraid of something that already happened? That's what are you talking about? Well, if the things happen, then I can't do them. So what's happening? What happened to New Orleans that's not happening a year from now in New Orleans? Wyatt Flores concert with my best friend. Okay. No one knows what that is. So it's it's a country artist. He's an up andcoming country artist. He's pretty good. It's not bad. I liked it. Up and coming. Maybe wait until he comes and then you can go and then it's a bigger concert. Well, now it's cheaper instead of waiting till then. So, it it kind of gives me the Hey, it's cheaper now, so why not do it? Okay. Because you don't have money would be the answer. Yeah, that'll be all right, though. Money money comes back. Then the that's why I'm here is [ __ ] With that, we went to Houston though. With that with that mindset, it's [ __ ] give a [ __ ] about Houston with that mindset. It's [ __ ] The that's why I'm here. Not if the money goes and comes back. Then then then the that's why you're here doesn't get you anywhere. I can't do anything if to you money is just gone and comes back. A natural flow. By the way, it's not how it works. You have to work and go get the money. And you can choose not to spend the money. It is not a natural flow. It's not a universal element. That is not what is happening. You are not giving back to the earth. Definitely not. I'm definitely giving back to the memories that I made when I'm 22. And it just Yeah, but you have a statistical long life. And what about the vast majority vast majority of your life where you can have more memories because you're actually able to afford them instead ofing the rest of your life right now. Well, what makes it better, too, is the fact that it's like, hey, I can I can try and do these things and they're cheaper now instead of then. So, where are you looking? I don't know. We're figuring that out. I don't think we are. Um, the producers aren't to everyone else who's been watching this show, they know the producers are back there. We move studios. They're not back there anymore. Yeah, I don't know where you're looking. It's a corner. Hey, it's a pretty pretty pretty corner. [Music] Is there a ghost back there? Maybe. We never know. It's Austin. The ghost of your mysterious parents. Yeah, that too. Okay. Okay. So, I mean, how much are we spending on these memories, these experiences, these concerts, these clubs? Probably anywhere from starting 500 up to a thousand depending on if I do merch or gas or tickets. Merch or gas? How are you not doing gas? You're always doing gas. Yeah, gas. Gas is a given. But then it's merch and drinks and going out after the concert, Ubers, things like that. How often? Uh probably twice, three times a month. Oh, that can't be possible. Mathematically, that can't be possible. What the are you talking about? Where uh I did San I've done San Antonio, Houston, New Orleans, and Palestine all this past Palestine three weeks. I don't know where that is. Palestine's up by like Dallas area. Okay. So, you're not goinging cross state. I mean, New Orleans. I mean, you're it's it's pretty close by to where you are, but Well, not anymore. When did you move to New Bronals? Uh, February 1st by Austin, by the way. It's like an hour south, which is not near New Orleans. Okay. No, not at all. Well, you're not stilling going, are you? Uh, I may or may not. So, it's not a birthday week thing. You're treating every month like it's a birthday month. You're just about sounds like it. Yeah, I Why not? I'm 22 and it's it's been Why not? Cuz you don't have money. Is why not? What the are you talking about? Why not? that I mean that's the answer. Credit cards, things like that. I could Hey, if I credit cards, why not? Then if I use it now, I can When you talk about spending my money on gas, is it the gas that you're huffing? What are you talking about? No. Gas light for my car with how much I drive like to all these different places. And do you warm up the car in the garage with the door shut before you leave? No, I don't even keep my car in a garage. Uh Okay, we know 2004 comes in. What went out last month? Spent. And that includes debt going up as well, cuz that's obviously what you have to spend on. I don't even know your taste. What went out if we're being honest? You're an interesting per You're interesting to observe. Now we're tasting the corner of our mouth. Okay. I'm just Okay. Okay. Um, what an interesting show. Yeah. What do you think you spent? Okay, you're still doing it. Hey, I got fake teeth. They're they're they're I can play with them. Uh I have no clue what I Why? Uh I chipped my teeth when I was in eighth grade and so I have crowns now for them. That's also another thing. You chipped them? Uh soccer practice. Okay. Okay. So, it wasn't too bad. It could have been worse. And it didn't come with a brain injury. Maybe. Okay. We're stumbling. You spent last month? Yeah. If we're being honest, I never paid attention. Of course not. What do you think you spent last month? Just like put yourself back there. Walk your shoes. Boots that you're booting in. Probably 3,000. Okay. 4,000. H. Yeah. No, that's a given. I was going out almost every day outside of work. Going out doing what? Uh, dance halls, drinking. Oh my god. Going to the beach, hanging out with friends. Beach. You're in New Bronals. The are you talking about? Four days only a two and a half hour drive. How are you doing this if you're work? Well, I'm not shocked that school is suffering. Are we shocked? We're putting in what you said almost 70 hours a week sometimes. Yeah. 70 hours a week and yet still making less than $30,000 a year. Yeah. I get a different job. But not only that, then you have school and you're taking two and a half hour trips to the beach and going out and getting up every night. Yeah. Yeah. That you're wasting your free school. This free school thing. How long does it go? Is it forever? Can you do as much school as you want for free? It is forever as long as it is a Texas nonprofit uh nonprofit institution. So if it's even if you're failing forever. Well, no. No. Or if it takes you eight years to do undergrad while you're going full-time the entire eight years. No, it it definitely doesn't. Exactly. So tell me what the cap is. Uh the cap it as soon as you fail a class, I think you get on probation for like a year or so with How close are we to failing based on the last two semesters? I think I have two of them are medically recovered. So I got a W on my transcript instead of an F. Medically recovered. Yes. But what happened? Uh I was diagnosed with POTS. And uh that's I know that word. I don't like orthostatic tactic cardia syndrome. So anything that I do standing up, sitting down, my blood pressure rises, my heart rate drops, and I faint. Anything you do standing up or sitting down, that means existing. Yeah, just about. That's kind of why. Okay. What about school outside of the pots? School? The the rest? We're very We're one class away from probation for a year. So, we're talking like D C C D C's D's. Are you [ __ ] kidding me? You're giving the blessing of a lifetime for a situation that sucked. Don't get me wrong, but you're given the blessing of a lifetime. Lifetime. And you'reing it just a little bit. Just a little bit. You're on the edge of it. No, you're on the edge. And yet you're going and getting up every What? What? What is your lifestyle? What are you trying to do? Like what are you trying to do with your life? You're just a partying person just forever. No, not necessarily. It's just what I Is this what your friends do? Is this what like is this just what you do? Like what? No, it's it's it's it's what my friends do, but it's also what I'm doing right now. New friend group. It's okay to have fun. I'm not saying don't have fun. But if it is an every net occurrence and we're going to a 2 and 1 half hour beach away constantly while also trying to work and do full-time school and we're going to lose our free college. You're you're [ __ ] it. You're ruining the whole thing. You're smiling. Yeah, just a little bit. What? It It's just I've I've I've done it and I've recovered from it, so why not? What? Recovered from what? You are borderline failing right now. No, you haven't recovered from a single thing. What are you talking about? You've recovered from broken teeth. That's it. I've I've done this freshman year, so it it's not the first time I've No, you said the last two semesters with the struggle. Yeah, that def definitely. But I've also done it before in freshman year and came back from that and then I went right back down the rabbit hole of it. That means it's a reoccurring thing. That makes it worse. That means you've only been okay for one year out of the three you're doing so far. And it it can it can be recovered. It can be recovered or it can go worse. Just because you recovered once doesn't mean you can recover again. Yeah, you're you're not right. If you live in a car accident, does that mean you should go have a car accident once a year? I don't think so. At one point, you're going to die or at least face something critical, but it I there's not a timeline to it. Some people take a little bit longer with things and that's okay. Longer's okay. Longer's okay. You're on the borderline of failing, which is going to get you on probation, which then go through that next step. You're going to be done. Also, that you can go line dancing or go to the beach. This is a joke. You're you're acting like a child. You're not 22. You're acting 12. I'd rather memories at some points. But yeah, you're blacked out. There is no memories there. They don't exist. If you drink in moderation, then you don't get blacked out. So, memories are good. There is a lot of life to live. Don't all future memories for the sake of a couple years of memories. Yeah, I I can give you that. Yeah, you're not wrong. Good. Oh my gosh. Something actually made it through. Oh my gosh. Yeah, it's a given. It's a given. Is that your catchphrase? Yeah, at some point in time. It's a given. That's That's your like catchphrase. more of the uh avoid all of life and go do everything else that doesn't deal with the responsib are we doing because I'm not like you don't walk away from anything from the show that's an instruction that is not responsibilities yeah I I hey I I'm tried I' i'm on the wait list I I wait list for what uh new opportunities for jobs and things like that you're on the wait list for failing have you seen me roasting people's terrible credit card choices but how How about we flip the script? Introducing the Caleb Hammer credit card finder now on Agent AI. It's like having me in your pocket minus the sarcastic comments. It's super simple. 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So, if you're tired of wasting your time and ready for a credit card that makes sense, take the Caleb Hammer credit card finder quiz. Simply register on agent.ai. It's quick, easy, and totally free. It's like having me personally vet your next credit card, but nicer. And that's it. Say goodbye to guessing and say hello to smarter credit choices. Visit agent.ai or click the link below and let me know what card you land on. You're on the wait list for failing. You're on the wait list for losing your free college. That's the weight list you're on. What do you mean wait list for new jobs? We're all on weight list for newing jobs. Yeah, you're you're not wrong. It's It's There's new opportunities for more money that I can finally maybe start my That you don't have. Start paying things. That you don't have. Yeah. You're not working them. Yeah, I am. I'm at the ranch. The ranch that you work 70 hours a week to make $30,000 a year. Less. Less than that. Gross. Not I'm working. I haven't given up on it. I'm still giving up on bringing I'm still bringing in money. You are bringing in money. I will give you that. I still have bills to pay, but then you blow it all. No, you your bills are just youing destroying all Well, I have rent and things like that and my phone bill and everything else. So, you spend $4,000 in a month. It was $3,900, but you bring in four or $2,400. Okay. Where does your money go? Anything anywhere. Food, going out, drinks, friends. I do pay bills, paying off trying to pay off debt, but that is not doing even that. You spend 27% of your income on just going out to eat. Sounds about right. You're okay with that. You accept that? It It's easier. It if I'm out, if I don't eat, then it's just going to make more problems later on. So, I'd rather just get food then than wait till I get home. Yeah, maybe you can excuse that two times and then you realize that. So, make sure you have food before you get into that situation. are. You're not like a actual [ __ ] You have the capability of making choices. Choices. Yeah. Choices are I'd rather eat and not wait till I get home and then it's easy before eat before you. Well, not not if I stay at the ranch for a week. Then it's just Hey, stay at the ranch for a week. Pack food. Yeah, but then I'm out on the truck the entire day. Okay. So then it's with a cooler with a thermos have $10 water burger than it is to while you're on the [ __ ] trailer on the truck. It's easier to have water burger. You you can in Texas you can pull a trailer anywhere. It's not that bad. Okay. So you're going off the ranch to get lunch. Yeah. Then you can go back to the ranch house where your food is if you packed it like a responsible human. You listen. If we're in debt, if we're about to fail school and we just go out every night and we're blowing and we're just [ __ ] it all and who even knows what blowing even means in your context. It could be up the nose. It could be who even [ __ ] knows? Just seems like an absolute mess. It's just just probably alcohol and going out to eat and everything else. So Uh-huh. Hey, I'm I It's life. It It can It can It'll It'll It'll buff. It's the No, no. It only buffs with you choosing to buff. Doesn't buff without you actually doing the buff. You have to be the one buffing. It doesn't nothing. Cars don't just get buffed. You have to buff. I'm I'm trying. There. No, you're not. You're spending almost 30% on just going out to eat. If you have bad debt, by the way, $34,000, none of it being student loan debt. It's all bad debt. There's nothing that's even remotely considered good. $34,000 of bad debt while we're in school while school is free. Well, we work 70 hours a week. $34,000 of B debt is a disaster. Disaster. And then you think you can spend 30% of your income on fasting food when you have $34,000 of debt with free school. No, you're smiling about it. If if I'm taken care of and I get to go home at the end of the day, you're not taking care of it. You spend more than you make care of like food and I eat, you're not you're going in a deeper hole. You're making sure you're not taken care of very soon. I've seen what it looks like on the other side. Many people that come on the show where I tell them it takes multiple decades to pay off their debt and it's better to go through multiple rounds of bankruptcy for them. Yeah, that's where you are headed. You're in the position where you might actually have the ability to turn it around. Yeah, that's what we're hoping for. That's what I'm hoping I need to snap out of it, I guess, in some sense, shape, or form. When was your first job? Uh, when I was 14. Right here in Austin at Marvel's Lab. Okay. In the mall. So, you've just been working odd jobs forever. There's like the minimum wage jobs forever, basically. Besides the plants and the other equipment operations. Why aren't we doing that again then? Uh that's when the pots got bad and so I had to step back from that for a little bit. The pots okay now? Yeah. So go back, right? Yeah. You have the experience on your resume. Well, New Bron Falls doesn't have that many plants and operations. Move to a place that has things that exist. You moved to a small town like a dumb Yeah, you're not wrong about that one. It was the quickest. It was the quickest option though. I moved in with my Quickest option to move to a place without job opportunities. Great. Well, I moved in with my friend and her mom and it was an easy get out. Still work with them. You live with them? Yeah, I still live with them. Then that's another thing. Your rent must be small. Meaning the fact that you are still in this debt and spending almost double what you make is even more of ridiculous and unacceptable. Well, there is opportunities. I was thinking about moving to Florida or Alabama cuz I got a job. I got Cretchins facilities for the FDC or I got Marina jobs. Uh Marina will start uh Florida Department of Cretchins. Okay. Yeah, you could do that. And I really don't I just hear Oh, listen. Listen. I'm very much on the outside. I only I only have stories from people that have been in prison on this show. Again, I think it was a membership video, but um I don't hear good things about you know, you don't hear good things about a lot of things though, especially do I want to put you in a situation with that? Like a lot of like like sexual Oh, yeah. No, that's a given. But also that'll happen FBI or military or anything. Not saying I'm okay with any of that happening. I'm just saying I think it's going to be I think it's less likely to happen in the FBI versus in prison if it pays bills and then you can decide and variate that. No, we do not accept harassment or even worse assault if bills are being paid. Well, harassment in my in my job for bluecollar and everything with plants or anything that has been like a normal thing. It is that uh harassment that is different than what we are talking about what we are talking about in prison where there are like actual assaults. Well, there's different positions in corrections that you go to that you What are you doing? Are you choosing them? What were you offered in Florida that you I was offered I was offered the department of corrections that would be in a secured room the entire time watching cameras things like that from breakouts. I'm okay with that. at starting 22 23 an hour or a dead hand. And that was offered to you? Yes, that was offered me. And you denied it? No, I didn't deny it. I'm just trying to When was it offered to you? Uh a week ago. I'm trying to see if there's like relocation assistance or something to help me out with me just moving over here. I'd be moving straight back to Florida. Straight that way to Florida, not back. Okay. Okay. So, what are you choosing? What are you What's the What's the question right now? I mean, you're in school. Can you do that? Yeah, I can. It's It's Texas schools. Can you be in? Yeah. No, it it only it has to stay at Texas school. It can't go out of state. But can you do that while you're out of state? You confirm this? Yes. 47% in a 2023 report by the Department of Justice Office of the Inspector General Found that 40% of female correctional officers have reported instances of sexual uh assault or harassment. 50%. I don't want to give you 50/50 odds. And that's not that that's even a thing. And you shouldn't have to turn down a job because of a statistic. You know, it should be correct the statistic, not the correct what job you go get. Yeah. But I'm just a little nervous prisoners and everything. So it it's more so you're dealing with the criminals that do it outside of there. So then it's a given what you're walking into. That's why you have to have so many forms and you have to write your will and everything else just in case anything goes wrong with it. Listen, it's your choice. But with that one, there's that or there's I can move to Alabama for marine hand, but it's just a matter of uh a deck hand for marinas like working on all the yachts and the bid boats. Apply your jobs cross country instead of just like near you. Like what are we trying to do? I my brain's just looking at as a new start. Maybe snap out of what I've been doing. Okay. Yeah, Dean. But that Decant isn't even what you were that's not the career field that we're looking for. So why are we applying to Deckand in Alabama? It was higher than the corrections. So it's kind of just higher. Yeah. Trying to is it in a high cost of living area though? I mean if it's on the coast it's on Gulf Shores. Oh, there you go. So like that off like you could get a higher paid job in Austin than you're getting paid in New Bronals. But Austin's going to be more expensive. It's like I Okay. Where do you think your finances are? 0 to 10. Zero being the worst, 10 being the best. I'mma give myself like a four, but that's being gracious. It's cuz you don't know what numbers are. I don't know yet. We We'll find out. Yeah. No, I was never good. Guys, if you want your Hammer financial score, see where you are in the world of finances, take the assessment at calehammer.com or go to the link in the description below. And just like this guest who is not allowed to leave until she downloads the budgeting app, make sure you go and download my budgeting app. Again, links are down below. Anyone that signs up for the annual version gets a physical version of my cookbook and our journal signed directly by me mailed to your doorstep. So you get the premium version forever. Okay. Oh, perfect. Look at that. Take advantage of the community, all the tools, all the automatic connections, everything. Don't don't around. You're you're given every resource. Every resource. If you don't if you don't fix it from here, it is literally your choice. Unless just things outside of life. Yeah. Things in life that sometimes just randomly happen and just endlessly happens to you for some reason. No. Yeah. All right. What's this first thing I'm even looking at? Uh those are my affirm statements. Affirm. Great. We're affirming everything. And we know you have discipline and don't move on quick to other activities. This is a fun one. I get to get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high yield savings account and get a welcome bonus of $300. Sign up for Acorns using my link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 in cash back on your own stocks. These offers have been negotiated to give us both more money than using traditional signup methods. So, use the links in the resources section of the description below and get yourself $5,320 right now. Okay. What are you affirming? What are you going to owe? You owe concert tickets. There is an engagement ring on there. There is a What the is the engagement ring? What the are we talking about here? What the [ __ ] are you talking about? So, are you engaged? No. It it it ended up being a failed never happened engagement with Annette's boyfriend before I moved back here. Why were you financing it? So, it was either his credit that he'd have to pay half and then half or it was my credit that we could do a payment plan and pay it out on time. When was this? October of last year. October 6 months ago. You got broke off engagement 6 months ago. I got cheated on. So, it wasn't me breaking off the engagement, but then I got stuck with the payments for it. So, you got your own engagement ring financed. Yes. And then you found out he was cheating on you. Yes. Oh, good. How did you find out? Uh, I had uh he was on a traveling Lyman crew and that is like the biggest red flagger of them all. I know. Well, that's his job. Then I uh was at home and his location randomly turned off one day and I was like, "Oh, well that's a little weird." And I normally have it and his find my iPhone was still on. So I checked that and he was out eating dinner with someone and I was like, "All right, cool." Gave his crew is what I would have assumed. That's what I was hopefully assuming, but he had a past history of with with his ex-girlfriends of cheating and I Are you kidding me? You're getting engaged with someone who has a past history of cheating. Yeah. And so I I believe people can make mistakes in life and change their life around. I believe that. Listen, this we we live in the real world, right? Like the internet, they assume if someone did something bad at 18, they're an evil person for the rest of their life. Like and they don't live in real life. We do. I think people can change. But if someone has a repeated history of cheating, while every relationship they've been in, maybe that's not who we're choosing to get engaged with. It's not your fault he cheated. But come on. But come on. And I mean that's like we can let's be real about it as well. I realized I had his social media login and so I logged into his Snapchat and found out that my best friend from Louisiana was at the top of his Snapchat and her location was on and they were at the same hotel with pictures of them. Yeah. And you know they were together together. Mhm. How did you find that out? Uh from the photos that were saved in their chats and so boobies and booties. Yep. All of it. all you you can imagine. And I ended up 3 hours away within probably 45 minutes and I grabbed Yeah. I Oh, I showed up. What happened? Uh I was sitting outside the hotel. I had texted him and I was like, "Hey, uh I want all my back because this is not a thing that's going on anymore." And he sent his buddy out that worked with him with his little girlfriend and was like, "Hey, here's your stuff." yada yada yada. And then I was like, "Well, I still want everything else that he has and I want the phone that I paid for and everything else." And uh so I was there for about 3 hours until the hotel manager until they told the hotel manager to call the police, but then blamed it on me. And then the hotel manager tried to get me harassment charges for something I never did. And so I got back home at about 2 3:00 a.m. The charges were never pressed, though. Yeah. And you broke up immediately? Yes. And that's within the month. How long were you guys together? Uh, a year and a half. Okay. That's a quick engagement. Just a little bit, I think. And he cheated on every ax? Yes. And you knew that? Yes. How many exes did he cheat on? How many exes did he cheat on? I think three. And you? and Okay. Okay. Okay. And you still owe him your wedding ring cuz you financed your own wedding ring. Yes, I I still owe I think. So, it's concert tickets in your own. Why won't he should pay for it? Oh, no. I've tried. He's He's doing his own little thing and he refuses to. So, we're looking I've tried I've tried being an adult and it's just going south because he is also a year younger than me. So, that should have been Can I call him in the post show? Yeah, I'm going to call him in the post show and I'm going to confront him from my own number so he won't even see it coming. Yeah, that'll be fun cuz he told me he told me before I moved because I was I had a house down there and everything that I was renting and he told me he told me that he was going to pay off the engagement ring. He said that? Yes. He told me that he was going to pay off the engagement ring. What's your guys' communication since the breakup? Uh, horrible cuz of him. I've tried and it's just he he avoids Yeah. He avoids everything and Well, listen. Honestly, it was dumb for you to take this out. Yeah, definitely. It shouldn't have been you. I mean, that's okay. But then what is this? What is this? They're alling overdue, lady. Yo, $1,458.38, but they're all over. Why are they overdo? It's cuz you go out and spend it all oning boozing. Oh, you got cheated on. So, you have to go get dick down every night. Listen, that's a What are we doing? I was also avoiding it cuz it was I wasn't the one supposed to be paying it. So, I You weren't. But it's on your credit. You'reing yourself. You're [ __ ] your future self. That sucks. I'm empathetic to it. But this was a choice you made and this is the learning from the dumb. But don't destroy your credit and ability to get a mortgage or whatever it is you want to do. Do you still have the ring? Yeah, it's still in my Sell it. Sell it. I just paid this off. How much was the ring? 1,900. Have you looked into selling it? Yeah. And it it I I was looking for a little bit more, but then he offered What if people offered uh sit 700? Dude, I don't [ __ ] care. Just take it. Take it. Take it. That pays off half this debt. You're not paying this on time on purpose. I wasn't paying the rain. The the other Yeah, the other one that was It's $182 a month, it looks like. Yes. And how many payments were we behind? Cuz I see three. Well, I see StubHub as well. StubHub isn't a wedding ring. Hey, StubHub isn't the wedding ring. So, that is a bull. That is bull. What you Hey, what you just said was [ __ ] It's not just a wedding ring. It's not just a wedding ring because we got cheated on. And yes, that sucks. But the the concert, you're not paying for the concert. You're not paying for the concert. You're not paying for the concert. Yeah. And that's a concert that already happened. So, that makes it Yeah. Yes. That's what a firm is. Yeah. Yeah. But then there there's also uh his phone that is still on my account that I still don'ting dare. Don't you [ __ ] dare. Why would his Why would his phone be on your credit? You let a guy that historically and repeatedly cheats? Have you financed his entireing life and responsibilities and then he sticks it in someone else, let alone your best friend, and you're surprised that you have to take care of these bills? Come on. Why would you allow that piece of [ __ ] to finance his life on your financing? Yeah, I'm still paying the phone bill since like December of last year. Wait, December? Yeah. Of last year. Uh 24. Yeah. 24. I've been since then. Why' you have it? Cuz that was two months. We were on the same phone plan since June. And so we got him a new phone and then

cancel it. I can't cuz he still owes $600 on it. And I've tried pausing it. I've tried it. I've tried selling. I can't sell the phone because it has an activation lock from AT&T. I tried transferring the service. I tried telling him. Yeah, it's in my drawer at home, but I can't sell it until he agreed. He already agreed to pay it off. I have proof of him agreeing to pay off everything. He's been avoiding it. Yeah, but with the proof, you can't take it to them. Who? AT&T. Yeah. No, they unless he signs. Unless he signs that he wants to transfer service. Sign it. Unless he transfers service, then it's it's it's pointless on their end. So that's like an extra like $200 every month with my phone on top.

Are you at least taking a pause in in your dating? Yeah. No, I I've been I've been I've been completely separate from everything since then. Good. I'm planning on doing that for the next like year or two. Well, you don't have to do that, but just separate for a little bit. Give yourself a chance to recover here. Oh, yeah. No, definitely. I just need you to buckle down. I'm not saying like go away for a year. You're allowed to go on dates and stuff. I'm just like I just like that's still fresh getting cheated on, engaged, having the ring still. I just want to I want you to take this in like an appropriate timeline that is good and healthy for you.

There's also a uh Christmas gift on there that had. Yeah. What for him? Yep. What was it last Christmas? Why'd you buy him a Christmas gift? It was. It. Why did you buy him a Christmas gift? It was right after Christmas. So, we had we had done. Yeah. Huh? What? It was like the last week of December that I found out. So, we had already had Christmas already. Wait, you said you found out. I thought you said you found it in October. No, you got engaged in October. That's when we bought the ring. I never got engaged to. I never got proposed to or anything. Okay. So, weird. So, we had the ring. We were. Oh my gosh. We were waiting and then it was going to happen sometime uh the past 3 months and it never did. And uh yeah. No. We had family photos. We had Christmas. We had going to his parents' house and should have taken that hint that his parents were divorced cuz they both cheated on each other. And then he went on a just go in an open relationship. People just do an open relationship or call 3 hours away and then I found out he was cheating on me. Just do an open relationship or just call it off. What is wrong? No one in my generation knows how to do that. They'd rather take the one in your generation is actually like pretty antisex. So I'm surprised he was even sticking it in something especially her. But that's that's another story. Okay. Okay. So these payments are stacking. Yeah. And I'm sure you're getting confused. This is all stupid. I see you also just affirmed. Pull up your firm app for me. Pull it up. You guys always ask me, Caleb, what do you invest in? And 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, "All right, 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, 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. Hey, there's a dollar added on. Yeah, went up. Okay, you're. Yeah, there's the over over. Okay. Yep. Rock the South ticket is pending. So, that. What the is that? That was his birthday present that I bought him. Uh, good. Let's see. Three, four months and now I'm just paying them off and I'm using them. But I. What the [ __ ] You have auto pay off on so much of this stuff. What the [ __ ] In StubHub, that's for a concert that's already done. Tell me. Please [ __ ] tell me. We're done with concerts. Yes. No. Uh, I have one in two weeks with one of my friends in Palestine again. No, for [ __ ] sake. Uh, how do they even have concert venues left standing at this point? They uh that was that was a birthday present, so it's kind of wrote off, but not really, cuz I'm still paying for all of my things going that way. And then there's Roth the South in June. For sake, what are you doing? You don't give a. You don't give a. Are you just using the fact that sympathetic? Sympathetic. I have toing start this with I am sympathetic the almost engaged cheated so two traumatic life events that I don't wish anyone to go through. Are we using that you have I see no other way than you are using that as a justification whether or not you acknowledge it but in the back of your head to why you're just able to just go anding do anything you want without even thinking about it. Yeah, that that's kind of where it is right now. And then it's the fact of I'm I'm just. But guess what? Guess what? Because of those two traumatic things where you're using it to just up everything, you're creating a third dramatic event. And that third dramatic event is these bills are going to catch up. These bills are going to catch up. Maybe even a fourth where you get kicked out of school or can't pay for it anymore. But the third dramatic event is the bills are going to catch up and you're going to be forced to go through bankruptcy or consolidation where you build it all up before you actually change your behavior and you are just going to be in a financial slump that you are never going to be get going to get out of cuz bankruptcy doesn't clean this. Bankruptcy doesn't clean the slate. We've had people that have gone through bankruptcy on the show. Guess what? They get in the same worst financial position cuz people go through bankruptcy and then without changing the behavior they get in all the bad debt again. I am not against consolidation or bankruptcy, but I am against it if you have not changed your behavior. And you going through this using the justifications of the past that are sad are never going to change your behavior. You already have all these concerts planned out and you're going to spend money on the gas, on the food, on the travel, all the [ __ ] The tickets we purchase. Yeah, the tickets are already. Okay. But you're going to spend double if not more as you've already confessed every time you go to aing concert on the travel, on the lodging, on the food. Yeah, but then it's it's it's it's it's written. Open that. Open that. Oh my gosh. How is your frame rate at like five frames per second? Oh, it's cuz you have lowing data on or you have low power mode on. I'm turning that off so I don't have a seizure. How the do people deal with that? I didn't even notice anything on it. Okay. She has flow premium period. Flow period and pregnancy tracker. You're paying for that. That's $15 a month. Doesn't the health app do that automatically? That's every 6 months. And okay, doesn't the health. She has Snapchat Plus. Who the in this world has Snapchat Plus? What the are we doing? Snapchat Plus. Disney Plus, Apple Music, and Apple Care. Good with the Apple Care. Apple Music on a student plan. I can stomach it. But the come on the flow. Doesn't the Apple Health app do that automatically already? I use Flo for like seven years now, so it's easier just to stick with them. Hold on, hold on, hold on. Oh, no. Hold on. Why the. Did you have. Did you. Wait, no, no, no. You did download Hinge. You went in Hinge Premium post and then I got that refunded cuz I accidentally had it. I didn't real like I had done the little free trial and then it kept charging. Then I was like, "Oh crap, I need." And there's Bumble. So, we've been on the premium versions of these dating apps since the cheat and it was it was right post cheat. You downloaded immediately because this that expired January 28th, the Bumble one. So, that means you youing, you found out you downloaded the next day. Yeah, I didn't do anything though. I was just kind of like swiping through. I never I haven't gone on any dates or anything. It was like preferred pure entertainment of hey, let's see what's out there sort of thing. And uh dad never went and did anyone. So, I I'll take it as a as a plus. I love the fact that we get permission for me to just around and have fun before and you have just ruined. Like I just don't understand the point of lying. Listen, you are chatting with Brent today. Yeah. On Hinge. Yeah. This doesn't even matter. I don't even care. But the fact that you said like I want you to listen. No, the the premium is. I never said that I deleted the apps. I said that I had. No, but here's the thing. You just got cheated on. Just got cheated on a couple months ago. Went away from basically an engagement. You were still dealing with his finances. You were in no way going to go in this in a healthy direction. And the fact is is I don't want you just [ __ ] around constantly. No, I definitely my my brain was like. No, no, I don't like this. I don't care about that. You can do that as much as you want. I'm talking about you have no focus. You just got cheated on. You're going. You're you're adding like 50 dudes on Snapchat as we're speaking. Like this is endless. Snap. That's why we have Snapchat Plus. But it's the fact that we're going out and drinking every night. It's the fact that we are failing school. It's the fact that we are going to the beach. I don't care. Listen, if you weren't doing that stuff and you were going out and trying to go on 50 dates a night, fine. If you if you gave that up and we're going out. Okay. But you are doing all these things endlessly. Endlessly. You have no focus. You are doing a thousand different things. You are never going to get out of debt. You're never going to get out of debt. Yeah. I'm kind of just. It's. It's a jump. It's like jumping jacks right now. No hopscotch. Just back and forth between everything else because of how far everything's gone. So, it's just a matter of where can I play this card to that card? It's like the uh the saying. We're going to go through that more in the post show. I'm going to audit your dating profile. Got it. It's the the. What is it? The Peter Pay Paul pay something. I don't know. I forgot that one. Uh-huh. Okay. I just. You have a credit one. You have a credit one. If you have a credit one, it is the worst of the worst. That means we know it's the worst of the [ __ ] worst. That one was open strictly to go on a trip to see him in college a year and a half ago. Wait, where was he? Uh, he he lived in he lived where I was and then he went to college a month after we had met. I thought we were moving beyond this part of the conversation, but it just keeps coming back. Okay, listen. Uh, mom, do this. Period. Pass the pass. Just two. Why? Two in a row. Two in aing row. Why? Why do you accept that? Why do you accept that as your reality? It's it's it's. Why is this theing? Give me an answer. You're past due on all the bull. Why are you allowing this? Pass due pays premium. Pass due pays. It was it it was it was it can it can be it can be written off or it can be it can be salvaged at some point in time at some later date, but it won't be cuz you're getting yourself in a worse situation into inescapable situation. The only salvage is bankruptcy and even that won't fully clear you potentially and even that you'll just get in the same position again. We've already been through this. No, the kick of the can down the road never works because the can becomes aing boulder that you'll never be able to kick. Yeah. Without breaking your toe. That one. That. Yeah, that one. We. We're. Yeah. Oh my gosh. Say words. Those are hard. Those those are very hard. Yeah. Then you're never going to finish college. $60 minimum payment. Normal. Normally, of course, what we owe right now is $129 because we got fees and [ __ ] and interest. Yeah. Listen, it's at $25.66. Got the late fee, we got the interest, we got other fees added. It's just ridiculous. Oh my gosh. That's certainly not the only late fee we've had this year on this card. I'm not surprised looking at everything we've had. Listen, I I'm not even going to recommend the Fizz card to you. Not even going to recommend the Fizz card. That's great for most people. Not good for. Yeah, I know. That one was supposed to be the credit builder and then I ended up just letting it. Credit one was supposed to be the credit builder. Or that only it only has like the one with fees up to it had like a $300 limit. So my brain was like, "Hey, I can use it for gas or I can use it for little travels here and there or food or things like that." Okay. Okay. What are you even spending money on that card these days? Gas and food. If my if my bank account. I mean, they say you go to Austin and San Antonio all the time and you justing spend money cowboys or going out to Mavericks or little outings restaurants here and there with friends and everything else here and there. You do every night just about. Yeah. At least half the people on there pay for it. [ __ ] sake. But then I know people and then it it turns into it gets paid for. So it could be worse. It could be worse. I will never understand this. And how do people even say this? Have you seen this show? Have you heard other people say it could be worse? Yeah. Are youing broken then? You know my answer. What do I say? What do I say? Youing stupid. That's why. No. No. Yes. That's what I say to you. What do I say when people say it could be worse? I want to see you have if you have the comprehension to know why that is like legitimately a stupid phrase for someone like you to say that's in a position cuz it just keeps adding. Oh my gosh. She she's not able to retain information. You watch the show with the volume off. You wereing on me. You're wearing AirPods. You're listen out of sight, out of mind thing. So as soon as I'm not watching it or like in the past 5 minutes, I'm going to forget it. I don't think you ever have anything in your sight. You're looking in 50 directions at once endlessly. I don't think you comprehend anything. I don't know what's. What are you talking about? There's nothing ever end. Listen, it doesn't matter if it could be worse. It can always be worse. The world could blow up. We could go through a nuclear winter. It can always be worse. That does not mean by any metric that what you were doing and going through is justifiable. It is not. If you ever tell yourself it could be worse, that is allowing you to continue this forever and you will never make any progress. This is bad. This is up. This is destroying your future. The it could be worse will keep you here forever. It could be worse. Yes, it always can be. But if it could be worse forever, it that's just what's going to prevent you from ever doing this from ever paying this off. Yeah. That that was the mentality with school and it it still is. And it it's the mentality with everything. Okay. It it's it's it's just it's how it was. It's it's. Oh my gosh. Oh wow. Yeah. Just keep going. Oh jeez. Uh, it's just it can be paid off at a later date. It can be redone. It can be it can it. Yeah, it can always be worse. And then it can be saved from a different standpoint of things. And is there a reset button? Like is there a switch? Like do I need to get Linds Lindsay back there like tweaking with stuff? Like I don't know what's happening. What what do I do to move forward in terms of [Music] what like from what all the bad things I've been doing and financial decisions? What's this? That is my Capital One card. My credit card that I opened I think in October. Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So, I'll teach you how to budget no matter where you are in life. How you should be investing based on your investing profile and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15% off. So, join the over 10,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to calebhammer.com or just click those links in the description below. You're a past tail. Of course you are. That one paid for my move down here and it paid for some of the uh NOLA expenses. When did you move down here again? February. It's. But why are we past due on it then now? A few months later, I think I added more charges. Yeah, I I added more charges to it from my New Orleans trip and my birthday and everything else. It is your birthday, isn't it? Monday. This past or this upcoming? This past Monday. What the did you do? I went to New Orleans. Pull up the app. Pull up youring app. What did you call this card? Capital One. Okay. Capital One. I don't even know the balance cuz you can't pull a statement. And my storage is on. What the app? I'm pulling it up. It's up. Okay. You owe $723.86. Oh, it's maxed out. Oh, good. Oh, yeah. Credit on here. Oh, 515. Good. This is so ridiculous. Why do you even allow this? Uh, okay. That's not today. But a parking garage. That was in New Orleans. Right. Interest like $20. Pass due fee. You don't have the ability to put more money on here. Pass due fee. Pass due fee. Past dou fees. Ever since you've opened this card. You've opened the card and you've never made a payment. Roof plus. Roof. Oh, red roof. Oh, is this in your stupid traveling? Public storage. What are you doing? Public storage. $252. Uh, I have I share that with uh my best friend and her mom cuz I moved all my stuff into there. Why is it on your card? A card you refused to pay? It was the easiest thing cuz I was the one that went. Listen, you allow that to be everything in life. It's the easiest thing for other people to put their expenses on my stuff and then they don't pay for it and then you don't pay for and then you're past due. This is a repeated pattern. His repeated cheating is your repeated stupid with money. Can't you can't do that. No more putting people's on your cards. You can't manage your worth anything. Proven true. But yeah. Yeah, it's proven true. Hey, one more time. I need to see I need to see what your minimum monthly payment is. Autopay is off. Great me. Uh, fine. Let's select this date. What does it say? Uh, it looks like like 124, but that's probably with all our fees, but we'll put it. Yeah, sure. Let's put 120. 120. I'm assuming the minimum is around there. Okay. Yeah. [ __ ] use the budgeting app. My goodness. I can't even believe it. What am I looking at here? You really can't send statements, can you? That was the only way it would let me pull any of them up. That is my RBFCU credit card that I've had since I was 18. Pull it up. Guess we're looking at the phone version for all this stuff. This one's also maxed out. $3 left to spend on it. Left to spend. Don't even hear it like that. R. Okay. I'll call just credit union. Minimum monthly payment is 20. Uh with $496.21 owed on here. I don't know. I I don't know how you survive, dude. Provisions provisions going in and getting some Ley Ley at the beginning of the month. AT&T rhino airing Mavericks dance halls going in getting some bull bull bull bull. This is [ __ ] And then late fees up the butthole is like, "What are we doing? Tell me about this card. What's going on?" That's That's the That's the the catch all. That's the the catch all. Yeah, that's the. That's the. Hey, I. From the look of your hand, you're the catch-all apparently. So, yeah, that. Yeah, we we can we can do that. Yeah, that that was the. Hey, I needed a new. It's better than the the [ __ ] of our office. His name is Brandon. He's the catch all of the STDs. So, nope. I'm clean from those. I'm great. I'm good. Uh, I go to Mavericks on that card. I go spend the alcohol budgets on those cards. And I don't even know what that rhino charges for. That's a new one to my brain. Or the going out to eat after work or things like that. If my checking account doesn't have it before bill comes out, then it gets charged with the credit card for merch at concerts. Extra dastard. They don't even know what to do with you. You just you have a lifestyle that you cannot afford and you're just doing it relentlessly and you already have multiple ones planned up. Like what the can I do? What the [ __ ] can I do? I can't do a single dick. I can't I can't do anything. I I don't know what to do. What can I do with you? I don't even know what to do with myself. Well, you can stop, but I I just don't think I can get you two. You can get you two. I can't get you, too. That was probably. That was. That was about what the Florida trip was. That was kind of like a reset button on everything. Oh, that's not how that's gonna work, dude. It's really not. That's why I'm still here. I didn't actually go. You got offered it a week ago. Like, you're still considering it, right? Or have you chosen? No. No, I'm still I'm still considering it. It's just. It's All these cards are maxed out. All the cards have late fees. There is not a single sign inkling of anything good here. Not one. And that bothers me because there's nothing for me to latch on and be like, "Let's use this skill that we have to go there." If if if anything, it's you working hard because you put in a lot of hours, but you're working hard never leads to any results because you put in a lot of hours and don't get paid for it. You put in a lot of hours in school, you don't get achieve the grades you need to maintain your free college. Uh, you don't do anything. It's kind of just working to get by and then you don't get by. You don't. They're maxed out. Hey, what you do? Shut the [ __ ] up. You don't pay anything. And no account we've looked at is pay. Shut up. You don't get the badge on youring sleeve that says I pay. You don't pay anything. You put money on credit, but you don't pay anything. You're going to get access of Afterpay taken from you. And I hope you do. Yeah. You have retirements. Uh, no. You even have retirement? Of course not. You have nothing going from you. You have. You don't have anything going for you. And we'll get you set up with the mumu app when you're ready to invest. We don't have anything going for you yet. I don't know. Yeah. What? What can I latch on to? Is there anything? Is there anything I don't know? The collections paid off collections. But you got into collection. That was that was from when I was 18. And it went to collections for that one. So it's taken four years to pay off half of it. It. Well, it was it was at a collection and then it was left alone and then it went to the second collector and then I got offered. It probably went into internal collections and then external collections is what I'm assuming I believe. So them are at the same collections just one sent to the other one. Three of my collections. One was a chair credit for a vet bill uh for two ferrets I had two years ago. One is the uh uh Best Buy computer MacBook that I bought when I was 18 starting college. And then one's a discount tire. Of course you did. You can't do college without a expensive Apple computer. I love Apple. I'm an Apple [ __ ] But it's you don't need that. Did I miss Randolph Books? That's one of the biggest the biggest BS here in Austin. There was another one, but I got it taken off of my collections. That was a Smile Direct thing. Yes, that was a Smile Direct thing. What do you mean you got it taken off? So, I they had called me cuz Smile Direct got bankrupt. And so, they went to like a third like weird Indian party sort of thing to handle the rest of their finances. And I had called and they were like, "Hey, is your name so and so?" And I was like, "Yeah, that's correct." And then they asked for my social security number and it was one number off from when it was supposed to be. And so they told me to call Identity Theft and file a report with them to get it taken off my record. And within a week it was off. Okay. On one collections you have $2,100. On another collections you have $1,36. On another collections you have $200. You said is one of these are any of them on payment plans? Uh yes. The middle one is. Okay. How much a month? uh $118.75. Yeah, it's very difficult to stack up this many minimum monthly payments while we're in school. Like you've put yourself in a position. If it if my if it stays a position, then it stays a day. Okay, then you've given up. Then you've given up. Not necessarily. I. Yes, you are. That phrase is someone who's given payment plans and everything else. If you have the opportunities, no one can help anyone that's given up. If you're an addict and you've given up, you can't help them. If you're a fat [ __ ] and you've given up, you can't help them. If you're an endless spender, bad money, and they've given up, you can't help them. You can't help anyone. If someone's given up to their cancer, you can't help them. There's nothing that can be done. There's nothing that can be done if someone is if they've given up. And that phrase is so I've given up. That's why I keep working and everything else. It's not necessarily I just don't put any of it towards where I should. You're working to you're working to sustain your lifestyle, not to not to improve your finances. So that's still giving up. That's still giving up. My bills are paid. That's. No, they're literally not. Are you actually stupid? Like I'm sorry if that's insulting. Shut the up right now. Hey, shut up. Listen, all my bills are paid. You one, two, three, four. Four. Four credit accounts that were not paid that were not paid that were all passed due that we saw and then all of a sudden we have three in collections meaning you never paid them. So [ __ ] you. You don't pay your bills. You don't get that badge. You don't get that maturity badge. You're a joke financially. Well, my rent's paid so that's paid. And you live with a friend and their mom. What's your rent payment? $400. Anyone can do that. You don't deser. You. There is no pat on the back for that. You don't have a normal [ __ ] rent. Yeah, that's that's kind of why I moved as well cuz I couldn't afford the rent over there by myself. So that's why I moved into a cheaper place over here and then it turned into sustaining and then it turned into I can do whatever I want cuz I'm not over there now. Uh uh. Uh, okay. What is this? That is from when I moved from Marble Falls to uh Beaumont. The. What do you mean it's from when you moved? Two and a half years ago, I was living with an ex-boyfriend and he was supposed to pay the final uh cancellation of the lease whenever I found out he cheated on me and other apat. How many cheats have you cheat? I've had all three of my relationships in six years cheat on me. Have you ever cheated? No. What the [ __ ] is happening? I apparently don't know how to pick them. It's like it's one of those like books in the library where you're like, "This looks really good." And then. Have they all given the same why? Not that it matters. They shouldn't have, don't get me wrong, but I'm just like curious. I've gotten very different W's. The last one was because she was easy. Uh, the one who. The most recent? Yes. The most recent because she was easy and he was lonely at his job. And that's what he said. Yep. Okay. The one before that. Uh, the one before that that was uh he was a volunteer firefighter and he ended up [ __ ] around with one of his classmates because they were constantly around each other and they were etses. So then it played into. You got to pick someone who's 9 to 5. Okay. And the one before that that was high school. I and then he went to the Marines. Every time you you can't you can't you listen no more picking people that are always around other people in their job like you guys just got to get 9 to 5 know where they're living with each other type jobs cuz that like that's three in a row that's like or where they're living off they were all at like a year and a half and then I got cheated on so they haven't like trust me and they shouldn't have none of it's your fault but that's pick a 9 to 5 we're just like someone working at McDonald's I don't even care. Okay. Collections. Right. This is collections. This is more collections. It's in collections. It. It won't show up on my credit karma, though. But it's in collections. Okay. So, you own owe $1,500. Payment plan? No. You made a payment in 2024? $43.56. So, this is your. It's it's what your last month of rent or what was it? Uh, it was for the cancellation of the lease. Oh, [ __ ] Okay. And he was supposed to pay for it, but still has yet to. He currently lives. But is it on? Is it reflected to him? Is he seeing it as well? Or just you? It's just me. Why? Cuz I did the same thing I did with the last one. Have we learned our fing lesson? Yes. Apparently not. Cuz you are literally doing that with your roommate and mom. Her mom right now with the storage. Totally forgot about that as of right now. It's the out of sight, out of mind thing. I don't know. I I I don't [ __ ] know. Okay. Um, what is this? Emergency department visit medical. It's high enough to show up on up on collections. Wait, total. Oh, you're on a payment plan. Mhm. Oh, for. Are you paying it? Yes. Oh, so you'll pay this? What is this? This is medical, right? Yes. That is when I went to the uh urgent care for the pots. Uh, yes. I had fainted at work. Don't do that. Okay. I wish I had control over it. $2,300 minimum monthly payment. Oh, is the. So, the red one's not in collections. Okay. So, $190.47 for this one. Mhm. Okay. When was this? Uh, October, it looks like. Yes. Okay. So, you got on a payment plan with the hospital? Yes. Okay. So, it's not collections. It's just the bill at the hospital. And that's when you found out you had POTS. Uh, that was the start of it. I had ordered. Has it gotten better? Cuz it's only since October. It. It seems to have gotten better, but then it's. I. And you can work on a ranch and behind a car. We're letting you behind the wheel on a road. That doesn't seem right. It was. It was more of a matter of I kind of just let everything go and that included myself and then it it just ended up I made it a lot worse on myself than. How did you let yourself go? Stop drinking water, stop eating, things like that. Everyone will pass out if they don't drink water. But then it ended up with a uh a heart murmur from it. So, oh my gosh. Okay. What is UTMB health? That is from when I had my heart monitor and all my testing for it. So, this is another thing. Yes, that one. You only owe $214. But yes, but you only owe $214. It's not like it's insignificant, but it helps a lot. That one was with insurance and everything else, so it it lowered it a lot from what it was. Take. What is this? You're. You're just sending me screenshots of bull. That's what it downloaded whenever I did it. Uh, yeah, but what is it? I'm trying to. What? Oh, that that is my past 3 months for my vehicle that I currently own. Own? Not own that that I owe on. What's the balance? Very very under. I owe $25,000 on it. Oh, for [ __ ] sake. What's the car? You own a $25,000 car. You don't even make that much a year. It is not that much even in a year. 2023 Hyundai Tucson. What's your minimum monthly payment? You got a 2033 car. You think you can get a 2023 car? Ph. It was car payment $616 a month. Sake. Interest rate? Uh 6.75. It's not horrible. It's not horrible. Okay. It's worth $18,000. My car had gotten stolen and then I. You better go get a car we can afford. Yeah. I immediately jumped into something that I shouldn't have. Guys, if we have an expensive car, it won't get stolen. I don't. Yeah. No, I think it just went. I went for the tractor and then I was like, "Oh, it's pretty and it has all the things that normal." Are you late on this? No. Payments at the end? No, I did. I. Yeah, I have skipped payments before with my bank. So, it it's pushed that loan off a little bit. My gosh. When did you get this car? Uh, February of '23. Your grandpa cosigned? Yes. Oh, the payment the car that you're putting payments on the back end. Your grandpa's co-signed to it. Your old grandpa. So he that grandpa that was a thing with him is he's taking he wanted to do that because I was in college. So he said that he would help me with my car. Yeah. But does he know you're borderline with money? Yes. How old is he? Uh, I think he's 70 something and you're putting him on the [ __ ] Well, he argued $500. He. He argued about it. I couldn't. He. He. No. Yes, you of course you could have. You could have gone out. He was a full crout about it. And dude, you could haveing did this and he would have fallen over and you could have went and got a car. Like I. Yes, you could have. He would have forgotten the next day. He's 70s something. He's broken. You don't. You didn't. Yes, you could have pushed back. [ __ ] make him sign a document. He wouldn't have known. Send Send him a docu sign and he would have thought that was it. Yeah, he's been helping me with that and my car before that one as well. Grandpa should not be helping you when you are deferring payments to the end. It's disgusting. For sake, man. How many times have you deferred the payments? Only three in the past two years. Three in the. It. It's only. It's like that skip a pay thing that they do at my bank. And then the. And the AC doesn't even work. They're telling me you have a $25,000ing car loan. No, that is that is that that's a completely that's like an option with that because I with my grandpa uh I am under so far that I was looking into uh like voluntarily repossessing it to the bank. It'll hurt him still his crime. No, I was going to I was going to assign it strictly over to me and then do that. So, he's not on it at all. Would they let you? What would you be able to refinance it under? Just you if it shoots it up either way. It's. I don't think so. Not with your credit, not with your debt to income. Good luck. It. It was. It was the biggest option for it is. Yeah. If you can sign it strictly over to me, get him off co-signing. He's co-signed for the loan, not the title. And then it would be strictly me signing it strictly over to myself with him going. You better call the. Have you? Yes. And he uh they said I could. As long as he's there. Good. As long as he's what? As long as he's present at the bank with me. Okay. And they'll accept that? Yes. Your financial history. They will accept that. It. It's going to. They told me it was going to shoot it up a lot. But then it was the interest. It was. Yeah. Both the interest and the monthly payment. I probably like 15. Oh, for [ __ ] sake. But then it was going to do you'll repossess immediately. Yes. Yeah. Maybe actually do that. That actually might be a [ __ ] thing. What are you going to do for driving that? The my friend has a car that I was looking into like doing small monthly payments with him on and it's a little Volkswagen. That's where the. What do you mean with him? The like just friend of friend sort of thing. He has an extra car that he's not using and and you'll give him monthly payments. Yes. Like a rent? Yeah. Of it. But you don't own it all all out. No. No. I'd own it at the end. But it would be long at the end. What's the end? Monthly payments for how long? It. It's $4,000. So, it's just depending on how much I paid him a month, but it's just an extra other payment plan. Is there going to be interest? No, it it's strictly just going to be cash. What a [ __ ] mess. Oh my gosh. Is this your checking account? Yes. You're expecting me to read that? That's what it was. That's what it printed. I don't know. I just turned 30, you demonic. That's what I went to download transactions and statements and everything else and that's what it gave me. Yeah, but this is. I we wanted a statement, not aing spreadsheet. Oh, okay. Your bed moving out $100. Who knows where that went? That was rent. If it's $100, then it's rent. Waterburger TP on Grind Peter's Cowboys Cowboys Treaty Oak concerts going out eating Treaty Oak isn't. No, it's a distillery. That's a concert at the distillery. Oh, maybe it's a different place. Treat Revival. Okay. August Dolce Venu out more. Going in and getting some [ __ ] What are you going and getting at the gas station for a few bucks? I think it's either like a water or snacks or a Red Bull. Buying bulky tit. Sweet berry. Going in and getting a water or Red Bull or snack. Waterburger. Tractor Supply. Probably getting a water red bull or snack. Water red bowl or snack. KFC. Elarro Mexico. Apple bill. Apple bill. Apple bill. Apple bill. Apple bill. What the are those four Apple things in a row? My I had gotten my uh my debit card stolen, so I had to switch it out. And then I didn't realize it had relapsed. So I had to they all relapsed. Waterburg Stub some withdraw $250. Who even knows where the that went princess eyebrows? Yes, I got my eyebrows done. It looks like what I do with the little thing. Dude, you just got toz. If it's not going to be anything special, if I if I do the if I shave or if I wax, then it's just going to it's going to make me break out and I'd rather just pay to have them. No, don't shavez. I don't even know what that is. The little the little machine that goes instead of hard shavez. Oh, the the light over the top. Yeah. No, even then it just gets a surface and then it's still there. Oh, look. No one can see it. Can you see? I can. Can you see all my hair up here? No, there you go. That's just it. It's easier cuz I can. It's easier to spend money you don't have. Yes, it is. You're right. It is. So, few uptown cheese go in and get into a bullet apple. Hob club. Hob club. Netflix. Oh my gosh. It just continues forever. This is soing stupid, dude. This is so beyond stupid. It's upside down. Winning. Got some bull. Sonic, Wendy's, Pete, Terry, Cowboy, Danchella, Waterburger, Panda Express, Cowboy Danchella, Sonic. Overdraft. Overdraft. You even basically late payments on a checking account essentially. My goodness, this is so bad. Perry's Taco Bell. Vala thirsties. Thirsty thirsties. Peter's waterburger otg. Oh my gosh. Moreover, that's you kidding. What a joke. What a [ __ ] joke. And that's the last documents that we have. What a joke. So, no savings accounts. Speak of nothing. I I I had I think. Yeah. What do you have? What do you have? I had this as my savings and then I pulled my entire savings out. You had a gift up. Great. That's great. You're awesome. Stellar. Thriller of a human being. Definitely wife material. Pulled that out and then hasn't been put back at all since then besides like I think $20 is in there right now. Yep. You're real great. Real [ __ ] stellar. So, why did no one adopt you? Huh? Yeah, it ended up being my family from my dad's side that I had never met and then I kicked out at 18. Wait, huh? They kicked you. Why? Cuz I didn't want to go into the military. Like, they needed you to go into the military. What time? What? What time? What age did they adopt you? 16. What the. So, you were in the house with the the the the the no parent house till 16. Uh, yeah. From 13 to 16. It's interesting. We might talk about on the post show. Uh, okay. What's your rent again? $400. Anything to. Anything to go to utilities? Uh, no, that is included in there. Choke. Including internet. Mhm. How do groceries work at the house? Uh, I buy all my own. Good. $300. Use the cookbook. Again, premium users, you get it. When you sign up for annuals, mailed directly to you and signed by me. Phone bill. Uh, that with his is $165. Once that's done, switch to Helium. Same towers as T-Mobile. Guarantee you it works there because we live in the same area. Car insurance. Uh $150. Okay. You assume that's going to stay somewhere around the same. $100 for TP fund. That includes or whatever else you got to do. Anything else in life? Medical. Healthcare. Uh, nope. I don't have it because if I have it, then I'll use it and then I'll end up with more bills. You don't get prescriptions or something? Nope. I don't take anything. Okay. Okay. It it was kind of like a lifestyle change sort of thing. Anything.

else that needs to be in your budget that I had not put in there? Oh, gas. Vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom vroom. Drive. Yeah. I How much? How much? Probably like 400 a month. [ __ ] sake, dude. Why so much? I drive a lot. Concerts going out. But it's going to be cut. It's going to be cut back cuz you're not going to be doing concerts and stuff. So, let's bring it down to 300 because your lifestyle is going to be different. Okay. Got it. Okay.

I don't even believe. Listen, I mean to so stupid. Even with this because of the minimum monthly payments that you forced yourself to be in, you're not even paying all the things like collections are not being paid. A medical debt's not being paid. You're still you need $2,622.97 to survive on a monthly basis. I mean, you're not going toing you I mean, you're you're not making it. You're underwater by $222.97. What a joke. What a joke.

Well, then it would it would be cutting back. Huh? It would it would be cutting back on I cut you back on everything. No, like anything like going outwise or just anything. I already did that without the hundred. Like completely nothing. Huh? Like wasn't the hundred for like anything like extra or things like that? Sure. Cut that back and you're still underwater by $122.97.

Well, I got that job and I bet you still need to get tissues, tampons, toothpaste. That's what TP Fund covers. Okay. Well, I do have I I have a job opportunity in San Antonio that that should be opening up. And that's should be opening up, which means you don't have it. An hour. What do you What's your hourly Okay. 20our. How many hours a week though? It's 50. But then if needed, it can go up to 80, but then that is covered with overtime paying. Okay. Well, you'll do 60. Okay. Yeah, that helps. That'll You'll probably be walking away with like $4,000 a month after taxes. $4,000 a month. Good. Let's just say you have an extra $1,500. No thou. Let's just say based on your lifestyle and just you there's an extra $1,200 a month. Okay. $1,200 a month.

What do you mean it might open up though? This is the issue is you don't have Well, no. I have the I have the appointment at suite for all the paperwork and everything. Oh, cuz you accepted it. Uh it it's Yes, it's an acceptance. Did they offer it? Yes. Okay. I have that on the 25th. If that is the case, it takes maybe two and a half years to pay off the debt. And that's okay. Grind, pay it off. And that was me giving you a little wiggle room. Then save up a fully funed emergency fund. And then start getting this investing journey going. You can be 25 26 and you can be better than most people. But you've put yourself in such a dumb hole. And the fact is based on you're literally not paying for things and having no care and basically giving up. I actually do not think you're going to get there. And that's really sad when I say that. I hope you do. I come I hope you come back on the Financial Audit follow-up channel and I hope you do prove it. I hope you do prove it and we'll follow along. We're in your corner, but it requires you to actually put in the effort. Okay. Okay. Requires me to be in that. It requires you. Okay, good. Fully. So, good luck. I hope you do it. Let's get your hammer financial score.

While I'm adding it up, make sure you guys download the Simpler Budget app and take our classes, guys. Make sure you take our classes. is we have a debt class which you're going to get for free and same with the budgeting class but also investing in real estate. It's the best you can find. You can bundle them all together for a substantial discount. Literally tens of thousands of people have changed their lives. Spending a budget, overspend, 0 out of 10. Debt, you have collection 0 out of 10. Emergency fund, there's nothing. 0 out of 10. Retirement, there's nothing. Real estate, there's nothing. It's going to be hammer financial score 0 out of 10.

Guys, it's going to be a good post show. I'm going to roast her dating profile, but even more, I'm going to call the cheating ex anding destroy his ass from a number he's not even expecting to come. And it's a one party consent state when it comes to recording conversations like that. So I'm about toing expose his and I do have the recordings from when he said he would pay for the ring. Well, there we go. So join us for the post show. It's going to be real good. And make sure you join Hammer Elite for thousands of hours of extra content. See you there.

So I wasn't honest about one of my credit cards. You're talking about my Capital One that what? My mother is homeless in Austin and I was helping her out. Why can't you be honest? Why can't you just be honest? She's on the streets in the city. She could probably be 5 minutes away from You don't know where she is.

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This Is Why You Pull Out | Financial Audit

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