The Most Bat-Sh*t Insane Woman In Financial Audit History

You got your boyfriend fired by emailing someone else's to everyone in the company? She deserved it. Why would you do this? You crazy.

I had taken dog and smeared it all over the windshield, which is another story entirely. And you drained your savings to bail yourself out of jail and you hit your husband and then escaped the cop car. Yeah. What the did I even just say? That's insane.

I ended up going to jail for felony. Oh, she's a crazy. 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.

Hi, my name is Kaylee. I am 37 years old. I live in Mariposa, California. And welcome to Financial Audit. Welcome. Welcome. Thanks for coming over to Austin. What do you do for a living in Mariposa? I work at a hotel front desk. Cool. That's probably not a ton of money. I don't Is it on the coast? No, it's in central California, just outside of Yosemite National Park. Okay, that helps with price, right? Honestly, not too familiar with central the central California. I get paid very well for the area. Well, you get paid well, but the cost of living, that's what I'm concerned about. What do you make? $20 an hour. Okay. And how many hours a week do you work? I work 4 days a week. Eight hours a day. Do Do you want me to do the math? Is that's what is that what's being asked? Okay. Uh, a quick little uh 32 hours a week. Yeah. Yeah. So, $20 an hour is pretty nice, but if we're not working 40 hours a week, it doesn't stretch as far. I know, but I don't want to work 40 hours a week. I like having Friday, Saturday, Sunday off. Why don't you work more hours of the days Monday, Tuesday, Wednesday, Thursday? I do work Monday, Tuesday, Wednesday, Thursday. More hours to get to 40 hours a week. More than eight. I mean, I do when they let me, but they're pretty stingy. What are they stinging about? Overtime the the entire It wouldn't be overtime, though. Would it? More than 8 hours a day is overtime in California. Oh, Cal makes it impossible to run a business. If you want to work, justing let you work. My goodness, it's so weird. They do. I mean, they want me to work more. No, they want you to. The state doesn't. No. No. Yeah. Uh, okay. Okay. So, you sounds like you should probably work on Friday. I mean, obviously, we're struggling. If we're on the show, we're struggling. I don't think you really have the choice to take a Friday off. Then you should probably actually have a second job outside of the hours that you're working. Cuz if you're on this show, you're usually financially is typically how it goes. Yes. So, what is going on? What what what are you doing? That kind of sounds like a dumb philosophy. Well, I have been considering offering to work every other Friday cuz my boyfriend just got a job up there where I live where he where he will have every other Friday off. So then if we could like both have that one Friday off. You're an adult. You're allowed to work 5 days a week. Come on. This is a privileged position in the history of humanity. Most times you'd be working sunrise to sun down until you're dead in your 30s. I know, but you're lucky. Working n I know, but I'm saying working 9 to5 Monday through Friday is not the worst. It's in fact the best. A cushy front desk job, $20 an hour. In the history of humanity, that's considered good. It is actually if you have bills to pay work. Yeah, it's better than 9 to5. I only work from 6:00 a.m. to 2:00 p.m. So, I have like the whole day ahead of me when I get off. It's pretty tits. Yeah, but that that's pretty tits. Okay. Interesting. But that means you probably go to bed earlier anyway. I mean, your days are just like shifted, right? I don't need a lot of sleep. Okay. Okay. Well, that's that that's not what matters here. What matters is if you're on the show, you're probably not doing financially well. I don't think you get to take a day off of work a week. What hits your account on a monthly basis? So like after everything that comes out like 1,100 every 2 weeks. So 2200 every month. How are you possibly surviving? I don't have How are you? I don't know. I really don't have a lot of bills. Like I don't have a car payment. My rent is like very cheap. Why are there so many documents? That's not making any sense. Well, I I answer would be helpful. I don't have a whole lot of bills. I just I Well, other than credit cards. You don't consider those bills. Yes. Yes, those are bills. But I don't have like Well, why are we in credit card debt then if we didn't have a lot of bills? Cuz if we didn't have a lot of bills, we wouldn't have to go into credit card debt in order to buy the things we want to buy. But now I have credit card debt and all of a sudden those are bills. So why the [ __ ] do we have credit card debt? Um cuz with all that time off that I have every week, I go out and do a lot of things. then equal equal reason to not take the time off on Fridays. If you spend more money cuz you don't work there, then uh don't [ __ ] take time off work. And if you're not making enough money, then don't take time off work. I just I don't I'm not like a career girly. I would rather be at home like doing domestic things. Trad it up. No, I like spending money, but I don't like I like to keep a clean house and I like to cook and I like to like, you know, I have to have time to do that stuff. So, you like everything about being a stay at home wife other than being called a stay-at-home wife? You could say that. Yeah, I could tell from the tattoos. Okay. Uh, is that an option? Where are you in this relationship? I I I don't know. I You mean like when he moves back in with me? He doesn't live there currently. He will be moving back in. Yeah, he starts his new job on the 23rd. I didn't know he moved out. Did I know you guys ever lived together in the first place? Why are you acting like I know anything about you? We did. I I don't We did live together, but he had a bit of a problem with alcohol. So, I told him he had to move out and be sober for 6 months before moving back in. Fair support. So he hit that six-month date and then like 2 days later got a job interview up where I live which he's in quality control for aerospace. So you want to be a stay at home wife to and no I don't like I'm not going to quit my job when he moves in but I mean No, but you want to in general be a stay at home wife? No, I think I would always like to like have a little part-time job where I could have my own like spending money. I would like that. I'm just I'm not a career girly. I don't have like hopes and dreams. Sorry. Hopes and dreams of like what do you aspire to in life? Like how the [ __ ] can we do anything if you don't have nothing to Well, it's I mean I do have hopes and dreams but they're not like employment related. What are some of your hopes and dreams? Cuz they might be connected to employment. Let's find out. Travel. Traveling is good. You need money to travel. You need a job to get money to travel. Sounds like it's tied. Yes. The good thing about this job that I have is I get You have the one where you work less than 40 hours a week. Yeah. Yes, that one. Um I get really really good hotel discounts. So great. Spending money you literally do not have spend the money before it's like even if I want to go get McDonald's and instead of $15, it's $10 cuz they have a value pack going on but I don't have $10 to spend. I still don't spend it cuz I don't have $10. What are you talking about? What? Well, that's where the credit cards come in. All of the Yeah. No. Yeah. All the obviously you can't afford that. Okay. Goals and aspirations more give. Just what do you I'm simple. I'm a simple girly. I just want to like live. Simple in more ways than stay home. Bake bread. Maybe take a [ __ ] flight every now and again. Girl, you're 40 and you're a failure. That's embarrassing. You're living an embarrassing life right now. I don't think it's embarrassing necessarily. What do you have going for you in life? A boyfriend that you had to kick out that is now potentially coming back in. Yes. You don't care about anything in terms of your ambitions or any purpose in life. You want to travel, have no money to do it, or only went into credit card debt to do it. What is What is there to look at you and be like, "Oh, that's someone I look up to." I'm going to just call it how I don't necessarily need you to look up to me. Yeah, but it just shows how you are. Yeah. And it's important to know how you are from a self-reflection standpoint. Absolutely. But also someone else can see that isn't you. And I'm just going to know you. I've only been talking to you what, 9 minutes, but I've learned enough to know that you got nothing going on. And that's not cute. But is that like the worst thing in the world though? Like it means that you're living an insignificant life. You'll never be remembered by a single person. That's all right. Okay. I mean, you're you're you're okay. That's fine. If you have no desires to leave even an impact on someone's life in this world, I think I leave like a good enough impact on my son's life. You have a kid? I do. Okay, that's even worse then. Cuz you should How old's the kid? He's 11. Oh, I was hoping he was out of the house. No, I'm not that old. Well, you're 37. If you had a kid at 18, they'd be out of the house, right? Isn't that how math works? Yeah, but So, I mean, that's fine. I was out of the house by the time my parents were 37. I Yeah. Okay. So, you have a kid. You're prioritizing nothing in life, meaning you can barely pay bills and not put them through programs that they want to get through. And you're certainly not going to pay for the college. And they're definitely going to have to take care of you when you're older because you've done nothing to sacrifice for your future. Why would you say no? Go ahead. Give me a logical answer. Well, his dad's side of the family is pretty well off. I like you get taken care of. No, no. I'm I'll take care of myself. Listen, I'm having to take care of my mother. I've I've learned I'm never going to put You've learned yet you've done nothing to fix it. Lady, if you don't have retirement, I do. How much is in your retirement? I don't It's in there. I I think 27, but I might be making that up. I I could be making that up. That's nothing for your age. That's not That's going to last a year. Listen. Well, I've got time. You're going to be your mother. Not by your choice. No. Yes. By your choice, but not by you ch like wanting to do it. Your mom I I don't know what full story, but I'm going to say what you're going to be. You're going to be in a situation where you cannot retire, cannot keep a roof over your head. You're going to be struggling. Maybe you become, you know, who knows what social security is going to be like by the time you are retired and you, if you take early social security, it's going to be less. I don't know. You have bills to pay for, you struggle for it. Your son's not going to let you suffer. not going to let you suffer. He's going to be morally obligated as your son to take care of you. It's not going to be you asking. He is going to help and he's going to put his life on hold to help. So yes, and that is you being selfish because you want to travel the world now and not work on Fridays and have nothing going for you in life. That's a joke. If you're doing it as aing uh motherless, you know, lady forever, sure, you can do that. You can do whatever cuz no one's dependent on you, you know, whatever. That's fine. Some will judge, some will not. I don't care. You have a kid. Yes. At this point, it's embarrassing and borderline disgusting the life you're living. I disagree. How? I mean, I don't think it's disgusting. It's how how is it not disgusting? I mean, he has a lovely home, two lovely homes that he spends his time between. He goes on trips with me, too. built on debt. Debt that is going to set you back in life and then the kid is going to have to take care of you. Put his life on hold to do that because mama was selfish and wanted to go on vacations and not work. Tell me how that's not disgusting. It's because I think we see it in our culture all the time and it's an it's a barely talked about thing. It's not talked about enough. I guess no one wants to put the blame on their parents. The main goal then in life would be to make sure he doesn't have to take care of you're completely failing at that in your 40. I just came up with it right now. Well, you but your catchup is immense. You have to invest double triple what someone in their 20s has to in order to retire with a decent amount which I time on the side. I could probably do that after I through all this. Listen, how are you even managing your finances now? Chat GPT obviously. How else would I be doing that? The what is Jifa saying about this? Um, well, we worked out a plan to like pay off all three credit cards that I have, which one of them doesn't really count cuz it's like a What are you asking GPT? for like a schedule on how to pay off my debt is which it has been working to an extent for two cards. It has been working for the third card. I just continue. You spent more than you brought in last month. I don't know what you're talking about. Yes. How much how much came in last month? Like 2,200. How much? No, maybe more than cuz sometimes I do get overtime. You had a little bit of overtime. 40,000 came in. How much went out? Damn. More than 3,000. 3,400. Are you sure? Hey, GPT, what do I do about someone's financial situation? If they have no idea what they're talking about and they're prioritizing their lives over their children's. She says she's 37, looks 57, has tattoos all over her body. What the I do. and uh has clown lipstick on if that helps. Let's see. Uh here's a direct and clear path. Establish clear boundaries. Here's the boundary between me and you. I don't like you. Okay. Number two, direct and factual communication. Factual. You're being a selfish mother. Not good. Focus on priorities. Your child, not your travels. Um recommended require counseling. Sure. I'll set you up with a Sandramind therapist. I use them. Document and followup. Oh, we're going to do that. Yeah, but better believe it. Take proactive actions if necessary. Don't spend money you don't have. Regarding her appearance, be firm, clear, compassionate. I believe I already did, but prioritize the child's well-being. He's very wellbeing. Report it to social services. I don't think we need to go that far, but that is what GPT has said. Your financial adviser of choice. H Okay. Did you name your chat GPT? I just call her her. Oh, she's a her. Yeah, it's very progressive of you. Oh, [ __ ] sexist like you. Okay, so yes. What have you learned through the What have I learned about the finances from chat GBT? my little payoff plan that I made. What does What does What does she say about the boyfriend coming back in the house? Why did you kick him out in the first place? How'd you learn? How did I learn? Yeah. Like what was like the breaking point? Okay. Well, so I knew that he struggled with alcohol like when I got together with him obviously. Um interesting couple choice. Okay. Yeah, I know it. I have also had my struggles with alcohol in the past. What? Shocker. Um, so he moved in 4 months after we met. And prior to living with me, he had never lived anywhere besides with his mother. I'm How old is he? Well, I wasn't rushing you. Oh, well, you were breathing hard. I was I was reacting. He's 34. I know. Again, an interesting spousal choice. Okay, continue. I wasn't like on the prowl. just Okay, so um he moved in after 4 months and the alcoholism just went like up level 100 and yeah, he wasn't with his mother anymore and he probably enabled them. So um I had this little feeling after a lot of drinking that he was doing. I just had one of those We all do our best thinking after getting completely [ __ ] up. Totally. So, um, I picked up his phone and I found that one of his co-workers had sent him some naughty photos. In his defense, they were unsolicited. However, he did kind of like play Did he delete his messages before? No. So, one of his co-workers sent some titties. Yeah. Yeah. And so, I may have overreacted a bit and I went online and I got the email address for every single person in the company and I sent her titties and their text thread to every person in the company. So naturally, um, he got fired and Oh, and you should have gone to jail. There were no nips. They were just, you know, that's still kind of revenge. She deserved it. So, um, so she got fired. No, no, her and her husband, her husband works there, too. They are like darlings of the company. So, they were fired. So, wait, who got fired? My boyfriend. You got your boyfriend fired by emailing someone else's tits to everyone in the company and and their whole conversation. Yeah. Mhm. Why would you do this? You crazy. I was Yeah, it was a bit reactionary. Why would he ever even consider staying with you? You're insane. Well, that's not the only thing. like he also drinking. We got into a bit of an argument and he took my car because he couldn't took he couldn't take his car cuz I had taken dog and smeared it all over the windshield, which is another story entirely. Um, and so he had gone to this casino that's like sort of nearby. And when he was leaving the casino, instead of turning left or right like a normal person, he just [ __ ] went straight and drove over a bush and totled my car. So there were a lot of things that his Why are you guys getting back together? Oh, because he's just my favorite thing that has ever existed, which is why you smeared dog on him. Well, that was that long time ago. Fired by emailing all his co-workers. If someone emailed me all my co-workers, uh, I'm never talking to them again. That is crazy. I.e. You're kind of crazy. She do be crazy. No, I That's not cute. No, I know. But that's why I don't drink. You see, I don't drink. That's good. I am happy to hear that. Yeah. How long have you been sober? Um, this time I don't know about about as long as him, but like I did like I've had a beer here or there. He has had nothing. Prior to meeting him, I had just come off of quitting drinking for a year cuz I woke up with a broken ankle and I didn't know how it happened. So, I was like, "Oh, where are you?" Well, I better maybe take a break. So, I took a break. But anyway, so to answer your question, what was the question? It was um the drinking. I get it. Can make you do crazy things, but you're also just kind of crazy. Yeah. Oh, you asked, "Why did I finally kick him out of the house?" alcoholic who smears dog who emails tits revenge to all co-workers doesn't want to work 40 hours a week has no career aspirations only wants to leave her child to travel she comes with me you're not a good person I never claim to be you're okay with that um there's it's a spectrum like I'm good in a lot of areas sometimes what am I good What? Baking, not makeup. Sorry, keep going. Baking. Uh, yeah. Um, the laced special cookies. Yes. Yeah, but I don't do that anymore unless somebody asks. What else are you good at that has something someone could respect? Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y Refi is here to help. Unlike traditional lenders, Y refi is focusing on your desire and ability to repay, not just your credit score. 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I mean, I'm pretty good at like anything I do, anything I try to do. Well, you're very good at drinking. We know that. But I've never like had a job where I'm not the best one there. I do. Do you know how well you're doing while you're there? What do you mean do I know how well I'm doing while I'm there? Yeah, I know how well I'm doing while I'm there. Your job is to check people in out. I'm the morning girl. Okay. And most people just don't. You would [ __ ] think, but they like to stop by and tell me they're like, "You're bragging about being the best person at checking people out when only half the people do that." Sorry. I I know I'm being a bit a bit rude, but I also really kind of want to lay this out in a real world situation where I can't have you thinking that you're in any kind of respectable position, cuz you're not. You need to change your life. 37 years is a little late to do it, but you can do it. I know. I'm ready to do it now. I'm ready to grow up now. Aha, says with the dad heart tattoo, hun. He died on Valentine's Day. Tell me that's not the cutest [ __ ] thing you've ever seen. Please. My dad. What year? Uh, 23. He was very old. He was 80. Well, I thought maybe I was born when he died and that maybe I'm your new father. Oh, Jesus. But but no, I'm sorry for his passing. Thank you. That sucks. Uh, okay. So, that's So, you're kind of a crazy except now back together. So, he's coming back in. He's coming back. And you guys enable your bad behavior. No, we are. Well, you do when you live together. Yes. But we have both come a long way. Yeah. Not living together. But he's there. Nervous. He comes up every weekend. It's a little different. We both have had many many conversations and have very clear like you met him just two weeks after leaving that 12 year relationship you had. Uh-huh. I know. I know. I don't think this is a healthy thing for you. I don't know. I cannot imagine. Like I can't imagine life. This is insane. He paid for your tummy and arm tuck. What? You were fat. Oh yeah. Before. Good job. Well done. Thank you. It was over $15,000 and then you broke up with him a month after the surgery. Yeah, the timing on that was pretty from the outside from the I will give you that from the outside looking in the timing on that is pretty awful. But the listen in my defense the surgery had been scheduled like six five six months prior to that. But my dad few months I know but my dad was dying so I pushed it forward. I give him a few months after completion of a surgery he pays for. Please leave him on for a bit. I couldn't do it anymore. I listen I was sitting in therapy and like the light bulb went off and I was like it's been seven years since the last time I broke up with him and nothing has changed and everything is still exactly the same and I'm not getting any younger obviously. So I had to I had to scoot boots. Scoot boobs. Scoot boots. Get out, you know. Oh. Is there anything even remotely healthy about this relationship if we're being honest? The only fight that we've ever been in that like doesn't involve alcohol like since since we smearing or getting him fired. Okay. Yeah. Listen, the smearing is because he brought home a dog that I didn't want and it pooped in the house. What a very mature response you heard. Okay. Yeah. Go ahead. Okay. What? Anyway, so the the one like big that we got in like since the quitting of the drinking is I really needed a car because like I said, he had crashed my car the year before. And I took out a loan from my baby daddy without asking asking my boyfriend first, which like offended him and hurt his feelings. But in my defense, there's no way he would have been able to qualify. No, but it's weird. Baby daddy loan. It paid him back quick though. I was just waiting for my taxes to hit. See? Yeah. You'reing It was the first time I had a tax return. Mom tax credit. Of course, you have your single mom tax credit. It's like a a big We're really supporting the best futures here, ladies and gentlemen. This show is changing my perception of the world, let me tell you. [ __ ] crazy the things that we have witnessed. Okay. Yes. What the [ __ ] You broke up with your baby daddy because he had no sex drive, but then you guys broke up when you got pregnant. These notes that I'm being are insane. I have offered. You are a creature. No. Yeah. So, because he wouldn't you but clearly did cuz you got pregnant and then you wait till getting pregnant and then uh hold on. I often refer to my son as the second coming of Christ because I don't know how in the very few times that we did be intimate that I got pregnant. And also I didn't know that I was pregnant until not a lot. Not very. And he was working out of town. a week. Once a month, once a year. Once a once a week is probably three times a month. Tops. Tops. You broke up with him because of that after you got pregnant. On. Okay. So, I broke up with him not knowing that I was pregnant. And then I found out I was pregnant and I was already 14ing weeks along pregnant, which is like halfway through. So, we kept the baby obviously and he's just the best little thing. Um, so yeah, we got back together cuz I was pregnant. And then we broke up again when my son was like, I don't know, two or three and then found our way back together for whatever reason. Cuz you try. You try to make it work. You try but then it doesn't. Then he broke up with the man. Then you broke up a final time and then found an alcoholic in two weeks. I know. I know. From the outside it looks nuts. I know. Has anything in your life not looked b insane? Crazy? Probably not. No, I don't think so. Listen, I got to get into these finances, but you're wild. And then your chat GP, it's clearly not working. Listen, I'm not even everything. Well, I'm not anti that. It's a good search engine for sure. But, um, okay. What do you think your financial score is? 0 to 10. Zero being the worst, 10 being the best, five. Okay. If you guys want to see where you stand in the world of finances, take our assessment. It's free. Go to calebmer.com or click that link in the description below. You can also go to caleb.com/apply to be on the show. I'm gonna jump into venture one. What's going on? That's the one that I still actively spend on, which is mostly like Why the would you do that? Well, that's mostly like um for travel. Like if if I'm traveling a follow-up question, why the would you do that? Cuz I I don't know. Cuz you need to have one like active for like emergencies and stuff. is $2,687 and a travel are not emergencies. This isn't an emergency thing. You went and spent $410 on a credit card that already had a high balance. You spent double what you put towards it as a minimum payment. Well, $46.80 interest is acrewing. What are you talking about emergencies? [ __ ] you emergencies. This is not an emergencies. This is dumb as tits. What was the 410? I think we'll find out. How about you should probably know. I know. I know. I know. $73 minimum payment. How long does this take to pay off if you do not if you do not purchase on it and you only do minimum payments which you're incapable of not purchasing? I said you're incapable of not purchasing once. Okay. I don't ever ever just make the minimum payment ever. I doesn't matter cuz you still still spent double what you put towards it. So it doesn't [ __ ] matter. All while interest is occurring. How long does it take to pay off? Minimum payment is only no purchase. How much is it? How much is the the $2,687 with a minimum payment of $73. Nine years. 15. Nine. 14. Yeah. What are we at that point? 60. Sorry. 51. Yeah. Sorry, I was going off your looks. We make jokes here. We make jokes here. Every joke is based on reality. Okay. We make jokes here. Uh-huh. 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. Lowe's. That's the same one. Vans, some grocery PlayStation Network. Okay, wait a minute. Hold it. The PlayStation Network, in my [ __ ] defense, we gave that PlayStation away and I can't like I can't get rid of theing monthly thing. I don't know what email address or anything. Report it. Report the payment. I did through capital. sell it to. Talk to them. I don't know. I don't What? I know. How do you not know? I You don't know who you gave it to? Facebook Marketplace. I could probably go back. So, go back. Yeah, you could probably go back instead of paying $10 a month forever. Yeah. Yeah. Yeah. I made a minimal effort through Capital One. I was like, "Don't pay." Minimal, which is the definition of your life. Minimal effort in anything and everything you've done, including your entire career. Well, career. Yeah. Yes. Yes, that's an important part of a life. Communist capitalist doesn't matter. Careers are important for some people. No, that's an important part of life. Not just for you. That's an important part part of paying bills, finding purpose. If you're going to spend the majority of your time at work, do what you like. And you have to find your way into it. Yeah. And fight for it. Yes. And it's an important part for some people. How can I deal with you if you have such immature takes on that? I think that's a common question for everyone. I don't know. I don't know how to deal with me. I'm shocked my baby daddy dealt for me with me for as long as he did. Well, clearly he didn't cuz he left three times. I left. I was the lever. I was the lever. I'm sure he encouraged. No. Listen, total interest $18342. You're spending money you do not have on a credit card you cannot pay off that is a Korean interest. But do you here and there in this extra time? I mean I could I could I could go back to making edibles. I could make a lot of money on the side doing that honestly if I wanted. Why is that the thing we're doing? I mean it's legal in California but you have to be licensed. I'm sure what you were doing was not legal. No no it was not legal. When were we doing that? What were you making from? I'm sure you didn't pay taxes, right? No. Pay taxes on my It's going um I did that from That's how they get you though. 2020 to 20 like mid 2023. What made you stop? I got burned out. I monetized. I got burned out. I monetized a hobby and I didn't like it anymore. Well, I would not recommend doing anything illegal, but what the Can we get a side hustle that's uh perhaps not illegal? Probably. What do you enjoy doing in life? Um, like when I get off work, what do I do? I I I'll like smoke a and water my plants and stuff. I like plants. Oh my goodness, you are such a failure. Oh my gosh, you are such a failure. A lot of people smoke, Caleb. Yeah, you're doing this every day after work. A lot of people smoke recul rec. It's like your your fumes are making me high. Okay. So, rec rec today, Junior recreationally. Yeah. Uh that Yeah, but that's not daily. If you're daily, you're on an occurrence. And then once What do I like to do in terms that I could like monetize and make a side hustle? What do you like to do? Maybe I could find something. I could work more at the job that I have. I just don't want to. So, let's find a job. Let's find a job that you would be happier to pick up time. Let me tell you, the employment [ __ ] opportunities around there are not like plentiful. Then move. No. Why? I I'm or my boyfriend and I do want to move like probably after I'm sorry. Probably after my son finishes high school. We waiting until then. Scoop. I don't want to leave him now. You're not leave. Take him. Oh, the split custody. Yeah. And what we have now is like good. Like we all get along really well together, my baby daddy and my boyfriend and I and my son. Do you at least have any savings to show for all this time? So, why I don't have savings currently, why I haven't built that back up comes built back cuz I did have some. I had I had like three grand. It's not like woo, but I had 20. Okay. Yes. Well, I had that, but when back to why I kicked my boyfriend out of the house is because this had all come to a head where I ended up going to jail for felony domestic violence. Oh, she's a crazy. But it was a holiday weekend, so I didn't want to be there from Friday morning to Tuesday morning. So, I had to use that $3,000 for bail to get out cuz I didn't want I thought you were going to say domestic abuse isn't applicable during holidays. It is. What did you do? You're insane. Why are you here? You scare me. I I don't I I browned back in like cuz I don't really remember a lot of like the cops getting there and all that, but I do remember being in the cop car in the driveway and they had put me in the front. What did they tell you you did? I hit No. Well, what I'm told is that I I listen what I'm told is that I ran out of patience and I stood up off of the couch and I said, "Fine, I hit him. Just take me." And so then again in the cop car I was running out of patience and they had me in the front cuz there was a dog in the back and I like squiggled around and was able to open the door and get out of the cop car and I came up to my porch. I'm like what is taking so long? Like let's go. And then we we went but then I didn't want to be there all weekend. So what the are you what the are you? I know there's a lot going on. You think this is cute. Look at you. Look at you. You got to be that way. I have to be that way. You got to be that way. Let's giggle about us being a horrible parent. Are you horrible here? Are you kidding? Yeah, but you're still his mother. I am. I know. And you drained your savings to bail yourself out of jail and you hit your husband and then escaped the cop car. Yeah. What the did I even just say? That's insane. And I mean, all things considered, so the felony, where did that go? Away. Wow. I just had to show up to court, I think, twice, and they dropped it. They never even fully filed it. Who was pursuing him or the the the DA decided to not pursue charges? Do I look violent to you? I'm not violent. I'm not violent. And you're singing George Strait, Gar Brooks. Yeah. Okay. Yeah. Me and the cop, not just me. It was not a solo performance. She's a Gar Bixs. Gar Brooks girly. She is. I was I was telling Lindsay actually on our call that I was kicked out of a Gar Brooks concert once, my third one. Do you want that story? No. All right, back to the finances. I I'm [ __ ] trying. Okay. My goodness. I have just insane notes about your spending. How you're just blowing money buying weight loss supplements from China on the gray market. It was like Oepic. And then you started buying things to lose weight and injecting them from China. Then you started getting into pharmaceuticals from India. You gained a bunch of weight when your boyfriend started dating. Yeah, I did. Yeah. And now you're still spending $21 for 10 doses of bootleg ompicide. There's a difference. What the [ __ ] are you doing? And you're reselling it to your friend? What are you What is your life? uh not that bad from like the dayto-day. It's just when you look at it from the outside, it does look pretty. When we put your life together and actually look at it, it's crazy and insane. Yeah. 2.74% interest rate on this credit card. The first one, how many? Sorry. Say again. No. Okay. Okay. Quicksilver one. What's going on with this? Okay, that one. Um, I don't I don't spend on that one anymore. I could not tell you the last time I spent on that one. And I um like Great. It's only at $3,788.54. Yeah. Yay. She's doing so well. Minimum monthly payment $129. 20 years to pay this one off. But I always pay like $400 on that one a monthish. Nope. What do you know? Well, that's not how much you put towards it at all. So, I don't know what you're talking about. What's the going on? How'd you get into this debt? Do you remember getting into this debt? Did youing Is this a story that leads to smoking getting into this debt with you? I don't know at this point. No. Did you buy a bunker bunch of cockroaches and put them in a bathtub and swim in them? I don't know with you. Okay. That particular card has just been a thorn in my side for a long time. I haven't spent on that one in a long time because it has the higher interest rate. So I I willy 22% versus like 28%. Yeah, it's been great. I think but that is not what's got me like to this. I think if we could circle back to like the traveling it's like so last year just last year I went to Hawaii twice. Mexico for Hawaii. Mexico maybe. But you have to really now wait a minute though. See, Hawaii is not that bad because we wait until the flights are like 2.97. You can afford 297. Okay. But then my best friend, her aunt has a house there. So, we don't pay for the house. We don't pay for the rental. You pay for food. We pay for food. We pay for food in the flight. We don't do guided. We do our own thing. It still costs money to like rent like a boat or a paddle board or to go on parks and stuff. And food in Hawaii is very expensive. It is a bit not honestly. I thought it was going to be a lot worse, but with California, you can't afford anything. I don't know what you're talking about. The hobbies like the crystals and the plants and the I could I guess see how the plants could be a bit I do. So, I like to go to How much are you spending on these? I like to go to grocery aisle at Bargain Market because they always have really good plants and I rationalize like if the plant is part of the grocery bill, it kind of like doesn't it doesn't count in a way. No, I know the hardware store has really great plants, too. So, if ever we have to go to the hardware store, there's always there's a plant sneaking in there cuz it's like it's not like I'm specific at my highest. So, I got the gastric bypass when I was 21 and I was like 220 lbs and I'm 5'2. How much do you weigh now? 130. That's incredible. That shows that you have actually one thing in life. Thankfull, you can do it. Which that gives me at least a little bit of hope with finances. But man, with everything else, I don't know. You seem [ __ ] crazy. So, I mean, that's a lot. I mean 90 lb, right? So yeah, it's like a whole human little one. That's a lot. That's a lot. If I lost weight, if I got down to 160 to 180, would I needing sleeve? Not sleeve. Uh what was it? The Oh, brachoplasty. Wow. I don't know. Would I need it? My arm that this is abdomin I'd have to see without the shirt. Hey 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, 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. The arms, though, like the arms were a way bigger thing than I'm just wondering than this. I really wanted the arms to go. Okay. I'm just wondering the minimum payment is $129 again, and it takes 20 years to pay this one off. interest. Too many too many years. Yeah, it'll be almost 60 at that one. Interest so far almost $500 at 20.24% interest. It's insane. That's yucky. In my downtime at work because like I said, I get those because you do nothing but you're the best at the job. Listen, mother, I am the best at the job when I'm not there. You're the

best at clicking a couple buttons. But there's more to it than that. I swear there's more to it than that. And when I'm not there, it all falls apart. I'm already worried about the store I'm going to have to walk into tomorrow.

Um, what I was saying was, in my downtime, when I was in, or when I'm in my downtime, I sit there and I plan little vacations because, yeah, because I can get hotel rooms that are cheap. As goes to a vacation than a hotel. But when the hotel is only $45, it helps on the cost. But still, if you cannot afford $45, which you can't, then you can't. Even if something's at a discount, if you can't afford the discount, you can't do it just because it's at a discount.

Well, how many trips are we doing? A lot. What? How much? 30 hours a week, no future, no retirement. How much? Um, like, well, this trip I for to come here, I I turned into a whole. But we reimbursed something. Well, what have you done? Cuz we didn't my flight. Yeah, but so I flew in. We're not going to reimburse your entire vacation if you're making a vacation. What are you doing? I flew into San Antonio and we spent two nights there in some like. What can you do for two days in San Antonio? You can watch the little freaking lit up Cinderella carriages go by. Yeah, for one day. Okay. Um, what do you mean for one day?

How much do you travel? A lot. Um, okay. So, like I said, so last year I did Hawaii twice. I did Mexico last year. And and this year, well, in 2025, this year so far, we've done um, we went up to Monterey, we did to Hatchip, we did this trip, we um, oh, we went to Jawbone. We went to Jawbone um with my baby daddy and my son. We did like a little cutesy um desert off-road adventure.

Insane, dude. You do not make enough money for this. I know. You make literally $2,200 a month. I know. I know. But in California, you make $26,400 a year. Yeah. This is what our child tax credit is funding. Another, the child tax credit funded my car. But another. Yes, but you couldn't afford a car because you went on vacation. So, in reality, it funded your vacations. Yeah. The car was more of a need than the vacations. You would have been able to buy the car without the tax credit if you weren't going on vacation. But because you spent all your money on vacations, you use the tax credit to get a car. Do you tell how that works? Yeah. Okay.

I don't know why that was so complicated. They're telling me you could have used your mom's car. I did for vacation. Well, I don't don't like to use her car. I had already been using her car. This is what the rush was for to get a car this earlier this year is I was tired of using my mom's car and I had um the Monterey trip planned for my. The same house as your mom? Yeah. Together. But. And you have this much debt? Yeah. What? No, no, no, no. It's not like we're roommates. It's two houses in one. But it's so cheaper. It's a duplex. I get it. But it's so cheap. Yeah. Yeah. All right. It's cheap for me. Yeah. I paid $350.

What the is your life? Oh, and then. Oh my. Why are we even? Why are we enabling you? Why are we enabling you as a nation and as in a culture? Oh, we need to let you [ __ ] get to the bottom of the barrel so you can wake up and actually [ __ ] grind some [ __ ] out and be an adult for the first time in your life. You're 40 and you're acting like a child. This is a joke. Yeah. Yeah. This is a joke. My baby daddy called me Peter Pan for like a really long time. Cuz he's a pedoph. I don't know. No, cuz I'm like stuck in childhood in the land of no responsibility. And this is not cute. And you have a lot of responsibility. So what are you talking about? I know, but I'm. You have a child. You're a mother. This is step one in the growing up, you know, getting out of the barrel. You're 40. Almost. I'll be 38 on Christmas Eve. Are you ever going to not live with your mom? As a. No, I think um when she dies, we're going to Airbnb that part of the house. She owns it? Yeah, she bought it straight out. Okay. So the rent that my boyfriend and I paid is just for like the property. No, even when he was not living there, he was he still was paying $200. Oh, you were being so enabled and coddled and. Oh my. I hate your existence. I know. I have basically. I just hate everything around your life. I don't hate you as a person. I hate everything around your life cuz it's just supported your horrible behavior. I have spent my life just kind of like literally. Domestic abuse. What did he say happened? Someone had to call me any. Someone had to call the cops. That was either my mom or. What did she say happened? Or is she an alcoholic as well? No, she's not. She was just nervous. She was scared about like the fighting and the yelling that was going on, which is, you know. Yeah. Mhm. A mother. Yes. You. Oh, I am one of those. Kind of. Okay. $1,900 on this US bank account. Pay this off. $40 minimum payment. What? That one is interest-free right now. Yeah. It's a. I opened it so that I could move from cash. I don't know why you're putting extra on an interest-free card instead of aing card that is accruing. You put extra on this card. What do you mean put extra? You put more than the minimum payment on this card when there's other cards that are accruing interest because it deferred interest. This ends January 2026. So I'm paying that one off before January 20th. Yeah, but it doesn't defer interest. Interest just starts occurring on the balance that happened. That what why' you even open this then? Because I wanted to move the B. Well, Chat GPT had the idea. So, if I open the zero interest one and move part of my balance over there and then I pay that one off, which I'm I'm on track to pay that one off by January 2026. You see, that one's good. That's a good one. You're going to make it. I promise. I don't know. Oh, I don't know if you're going to make it into your 50s, but I'll at least make it through this episode. Four years to pay this off. Listen, uh, the thing is, yeah, pay off the cards that are interest. This isn't deferred interest. So, whatever balance it is by the time interest starts, it'll accrue at that balance, not at the balance it is today. And you're not getting backwards punished. There's other cards at nearly 30% interest. Attack those. Or if you want to do snowball in order to whack out minimum payments, yeah, you can attack this first. But it looked like you were trying to do avalanche method, which is highest interest rate. I don't know what that means. Snowball method. I'm not a David Ramsey girly. I'm justing with you. Go on. Sorry. Snowball. So, you do know it though. I don't know. Avalanche. I'm I'm vaguely familiar with Snowball. Tell me. Littlest to biggest. Avalanche is highest interest rate to lowest interest rate, which is kind of what you're doing. So, I assume we were doing that. Oh, no. No. I mean, what are you doing? GPT didn't mention any of that. What did Chad GPT tell you to do? Because right now, pay that one off first. So, snowball, why you put. Is that the low? Yeah. So, then yeah, pay that one off. Why are you putting extra money to the other cards then? Cuz I always put extra money on. Did it tell you to? No, I've been doing that. Cuz that is not a strategy that exists out in the financial world. It's a dumb thing you're doing. Yes. Yes. Cuz if you're. It would be stupid to just make the minimum cuz half the time that doesn't even cover the interest. I thought it was. The snowball method is to unlock the minimum monthly payments that you are putting towards the USA bank. You attack the USBA bank first. You kill it quick without putting any money extra towards other banks. By the way, no method suggests spending on credit cards which you did on the first one. So, [ __ ] off. But either way, then you take this $40 minimum payment and you roll that into the next debt. Then you take that minimum payment and roll into the next debt. That's how you do it. You don't put. No financial person recommends putting more on other cards. You either attack the highest interest rate one or you attack the lowest balance one. Those are the two strategies. Technically, avalanche will pay it off quicker, but a lot of people find a higher success rate doing snowball because you get quicker psychological wins. And I'd rather get there, have a higher chance of getting there than getting there quicker to lower chance. Okay, makes sense. You've paid uh this must be balance transfer fees, I hope. Yeah. $66 or hopefully we haven't had late payment. I've never had a late payment. No. Okay. Why? I don't know why they're asking me this, but they want me to ask you, and this is going to murder me. What does Chad GPT think about you buying time shares? Okay. That was a long time ago. That was before Chat GPT and I became homies. Do you have it now still? No. No. But I'm getting. No, no, no. You're obviously not a credit card person, dude. I mean, this is just absolutely ridiculous. And yeah, there's no defer and ends at in January 2026. But use the Fizz card. It's a debit card that builds credit. I already told you I'll connect you with therapy, but I also get you a course career certification if you ever decide you want to actually have a career at some point. So, but doubt it. Okay. So, what's this? What am I looking at? I needed a new laptop. What am I looking at? What is the service? What do you mean? It's either through eBay. Oh, um, it's either Affirm or Afterpay. One of the Affirm. Okay. Thank you. Cuz I saw I have to repair that. Oh, yeah. Yeah. Yeah. Okay. My gosh. I don't know why that was difficult. So, you affirmed a $100 refurbished laptop. I didn't go crazy. Yeah, but is that going to last? I don't use it for much. I use it for planning planning vacations cuz that's like big screen activity, you know? But you have nothing going for you in life. This is a sad existence. This is a sad existence. I'm not sad. Like, I'm not sad. You will be. It's a problem for later. It's also a problem for your kid. I don't think it's a problem for him at all. What do you mean? He's going to have to defer everything to take care of you. He's really not cuz you're going to have. Why would you never put that on him? No, it's not you doing it intentionally. It's that you did it via your choices still, though. Well, I now I have a real job. So, I'm like contributing to retirement. Again, anytime that I've had a job on paper, I've contributed to retirement. It was just like that. Every time is nothing. It wouldn't even let you survive for a year. Well, I'm not retiring tomorrow. Yeah, but you're not that far off either. You're literally 12 years away from being able to take away money from a tax advantage account without early retirement penalties. I'm not doing all that. I'm not doing all that. I'm not. Yeah. Why would you do things that are good for you? Again, the kid will have to take care of you cuz you're either ignorant or you're just you don't give a. You don't think you would, but your kid is not going to set aside and they're not just going to let their mom die out in the wilderness. I'm not going to be alone in the wilderness. I'm going to have my boyfriend who will be my history. I don't know. Especially since you guys leave each other constantly. All relationships you've been in. So, good luck with that. Doesn't sound like you're the most consistent person. Okay. [Music] Huh. Yeah. I don't think I'd describe myself as consistent. Exactly. And I need to actually tell you this cuz people have probably babyed your entire life. You are a failure. No. Yes. No. Failure adjacent. The only reason you're surviving is cuz your mother has purchased the house and has given you subsidized rent. No, I would have found another. I doubt it. You're not willing to work. If I was forced, then I'm sure I would have made it. I would have made it work. Let's see what Jack GPT says about this. I'm not suited for like the homeless life. Hush now. Dude, you look homeless. Hush now. I do. Chad GPT, what would you say about a girl having her ex-boyfriend move into her house now that they're technically back together and they were alcoholics together, enabling their bad behavior when they lived together. And there was a domestic abuse situation where she got arrested and drained her entire savings to get her out of jail because she hit her husband. And the only reason they're able to survive in their house is because their mother subsidized her because her mom has actually done a little bit of work in her life to actually set herself up for success. Unlike this girl. Is she going to be nice to me? Doubt it. Look at your entire life. Uh, this situation clearly reflects deeper rooted financial irresponsibility, ongoing unhealthy behaviors, and enabling dynamic that is likely to repeat or worsen. So you're enabling each other unhealthily. Financial mismanagement unlimited. Dependency on external support. Yeah. Cuz you're incapable of being an adult. Yes, we know that. You need to set firm boundaries, professional intervention if necessary, and take financial accountability. Nope. Nope. Nope. Okay, great. So, good luck. I do have pretty good luck. Like things do tend to just like. No, you don't. Your life is not good. It's not bad. It's bad. Like that is bad. Your life is only. You're only not on the streets because of your mom. Yeah. Now that's bad. Oh my god. But I mean, if it wasn't her, it would be some. I I would be fine without her. I would have found an alternate. There's nothing to suggest that you're nothing but a disaster. Yeah, there's nothing to suggest that. I would have been fine. Your existence is horrendous. Everything you've done has been a joke. You wouldn't have survived. This is just like one part of life though. The rest of my life is pretty good. Shut the up. Didn't buy belong, you know. Okay. Well, you owe $81.77 left on this. You make minimum monthly payments of $27.26. Okay. I don't know. I just. I it's going to be really sad when you come on the follow-up show and someone relapsed. No, that's not going to happen. I hope not. But it's six. Been 6 months and you already said how you have before and we know you guys. I'm not worried about me. I mean, I'm not worried about him either, but. No, the two of us together especially do not. We do not know. There will be no drinking. There's no. It's big no. It's been 6 months. I know how many months it's been. I'm not rooting for it obviously. I'm just like, look at. Look how you've lived your life. You've already had beers. You said you've had one-off beers. You're just oneing little slip away. You are so close. You are teetering on the edge. And then you're bringing in an enabler into your house to live with you full time. Dude, I don't know, man. Afterpay. We're purchasing on what? $42.70 a purchase is what? The Afterpay. I looked and it is like exclusively Ulta Beauty, Shein. Shein. It's not really going to work, is it? There's just those two only because I need those things. Listen, that's clearly like $2 like lipstick from the party. So, I don't know what we're doing. I made it. 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 caleb.com or just click those links in the description below. Have you drank on this trip yet? This is a little trip. No, no, no, no. We talk about that like all the time when we're on vacation and like we see bars and stuff or we we always ask like how many beers deep do you think we'd be by now? And you know. Sounds like a very healthy relationship. It is. Okay. I have a note from you. If you were to ask him, my baby daddy would probably tell you I owe him $15,000 for the surgeries because I did do the super cliche thing of breaking up with him. Like a month after surgery. We had been together for almost 12 years. Trust me, fam. I earned that $15k in those 12 years with him. Haha. I did. What? For dating him? What do you mean? For just putting up. Listen, he's a great. Putting putting up with him not sticking it in. That's a wears on a girl. Okay, it does. It makes it with you psychologically. It really does. It sucks to be like turned down all the time. And like you know that other people want to have sex with you, but the one person that you want to have sex with you doesn't want to have sex with you. And it sucks. That was just the main one. So he owes you $15,000 for that? No, he don't owe me anything. It's. It's already done. You said you made it. You made what? The $15,000 from him not [ __ ] you. That was the cost of the brachoplasty and abdominoplasty. You said you don't owe him back because you don't. I earned $15,000 in those 12 years with him because he didn't. Among other things, he's one of those that's like, I don't know how to do dishes. Like he's one of. He. I did a lot. Paper plates. What about the environment? I'm just with you. I like paper plates a lot. Um, no. He's listen, we just are very. We're not well suited for each other romantically. He's a wonderful father. We're just like I'm too much for him. He's really like. He does. Does he? I've asked. He said everything seems to be going fine in that regard. But that's him saying maybe it's cuz you're a crazy drunk who smears cars and gets them fired from their jobs by sending sending titties to everyone. Well, yeah. I think it might be a little bit on you. Come on, you're crazy. We know this. You got kicked out of aing concert. Yeah, but that one too, like you know how Garth Brooks, he's very like sentimental and he likes to like do the mushy stuff with the fans and stuff. Did you guys ever get arrested together? You and baby daddy? No, he. No, no, no. Not the crazy one. No, but he's been. He he's been arrested. Oh my gosh. What is happening in that town? I know. Well, these little mountain towns, there's like not a lot to do besides drink. Move. I know. I don't want to move yet. I'm going to stay at least until my son's done with high school and then I can spread my wings. Oh, another note. What's that? Oh, I think I do also owe my DUI program like $100, but I keep forgetting to call. I think cuz. So, you're part of a DUI program? Now I my. I okay. I did get a DUI in 2018, but I didn't start taking care. I know. I didn't start taking care of it until you were until 2023. What a mother. I. Well, that was a long time ago. It was a long time ago. We all make mistakes, but my gosh, this amount of stacking is [ __ ] crazy. Mhm. And still with what you're doing now and your mindset on things, I'm not feeling great. I feel great. I feel good. I don't feel bad. So, you could just add that to the list. Yeah, I'm going to add it. How many DUIs have you had? Two. Oh my. Why? One was in 2012 on me and my baby daddy's first date. He should have probably ran. What's wrong with you? I know. His sister came and picked me up. That was the first time she met me. We're like besties. That's fine. Um, and then the second one was 2018, but I didn't start. I didn't like I just did nothing until 2023 and now I'm almost done cuz it's like um an 18-month program. Oh my gosh. I don't know. Chad GBT hasn't [ __ ] just like told you to shut the up and like. No, he's go into a forest. Nice to me. Like too nice. I think. Yeah. You got enabled from your ex now current boyfriend and now you're being enabled by GPT. I I've been enabled like my whole life pretty much. Okay. Student loans. Oh my gosh. How much? Oh boy. Wait. How much is student loans? Oh, that's the that's the big one. $68,768 student loans at 40. How? Because I've never made a single payment in my life. They can garnish your wages. And this administration is not friendly to people who don't pay student loans. Okay. Well, hear me out. So, I asked. I guess I'll try I'll attempt to hear you out. I asked my buddy Chat GPT what to [ __ ] do and he guided me through. Okay. And what did he guide you to? And I signed up for the income driven repayment thing. And so I when I don't know like two months ago. Okay. Okay. And so I owe. I pay zero. I have to. I pay zero. You guys like this? You guys like this? I know. Here's the fact. Here's the fact. I'm not against social programs at all cuz we all pay into it. So, you get unemployment if you get unemployed, whatever. That's fine. Some people need help as well. Okay, that's fine. Maybe some people can't pay the student loans for different reasons. She is actively choosing to not make money because she does not want to work. She is actively choosing to not make money. And then she's able to not pay her student loans by saying, "I'm not making enough money." when she is choosing that. What a [ __ ] joke this is. Why are we enabling her? Why are we enabling her? She gets hering child tax credit and chooses not to work and now she doesn't have to pay on her student loans because she's choosing not to work. What a joke. I swear you were going to [ __ ] turn me into someone that just wants to. You're going toing turn me into the [ __ ] what was his name? I don't even know. I I don't know. But I just want to just end everything because you guys. You're crazy. There are people who actually need help and then you ruin it. I did what Chad GBG told me to do. Yes, but the fact that you're able to is a joke. Hey, that's not my problem. I didn't make the rules. No, it's all of our problem. That's the bad thing. Well, I mean, like, I'm not against social safety. What a joke this is. The current administration is like cracking down or whatever. So, yes, but you're on it. We'll see. I don't know. Theing head of uh the Department of Education might be like, you know what? We're not doing this anymore after they see the show. If you see the show, please kick her off of it cuz she does not deserve it. She should be forced and garnished. She should actually learn consequences of her actions. I I can't believe I'm even saying that, but whatever. It's just it's so stupid that you're even allowed to do this. You specifically. Yeah, my baby daddy. Drink it all away and then [ __ ] Here we go. Okay. So, how long were you in school? Oh my god. Forever. I changed my major. So, we enable that as well. Good job, society. I finally graduated in 2018. I was going to be a teacher, but then I realized I hate kids. When did you go to school? I don't. Forever. Um, I started like I don't know. I was probably. How long were you in school? Thinking like off and on probably from the time I was like 20 to however old I was in 2018. So if we're in 20. So like 30. Yeah. Probably like 10 years. For 10 years and now you don't even have to pay back cuz you refuse to work. And the thing with that is like I was bad. I would just take out the maximum amount every time even if like I didn't need it and just you know do whatever I wanted with it. But that was a long time ago and it is a lot of money for a degree that I don't do anything with, you know. What was your degree? Uh, liberal arts cuz I was going to be a teacher. Cuz I was going to be a teacher and I. I. You were going to be in a class. I know. Isn't that crazy? What the. I know, right? So, I quit my job at the casino with the intention of subbing for a year before going to get my certification, but then the world shut down and I didn't have that opportunity. Thank God. So, good. Yeah. I wouldn't want you anywhere near a classroom. I mean, I could still sub if I wanted. No, not after they see this. No, I don't know how your kid has made it. He's the best. He wins the spelling bee. He has won the spelling bee every year. He's won staying alive in spite. Oh, yeah. He's a good egg. That one. He is going to be resilient. Let me tell you, he's well-traveled. That too. So that was like one of it's fun but just doing fun things and destroying our life financially isn't what will result in a healthy life. No, I suppose not. Suppose not. But see with the travel. Okay. But with the travel too like his. So you're paying $0? Yeah. For the for the next 12 months. Such a [ __ ] joke. And the only reason I knew anything wasing going to rise is because my credit score went from like 720 to like 513 or something asinine. And I realized it was cuz the student loans started reporting. So then that's when I asked chat GPT for help. Gosh, the people the people that come on the show like you, it just makes me look like the most like conservative person. I promise. I mean, I don't. I we don't do politics, but I promise I am pretty neutral down the middle. I'm right on issues, I'm left on issues. I just try to go where the facts are and I will change my opinion every day, any day, whenever new information comes out. But my goodness, people like you. I know. What a joke. You make me understand the old white people that are like, "This is what I mean by I've kind of just been able to like float through on like luck and vibes." It's not luck. It's by the support of all of us. Cuz you would have been having to pay on these student loans. They would have been garnishing your wages. And then from what I. We wouldn't be giving you money just cuz you have a kid. If I make the payments on time for 15 years or something, then it all goes away. If they continue to allow that, we'll see. Not knocking on wood for you, girl. I didn't ask you to. You should just. You should have to actually have at least one piece of responsibility in your life. One. I do. Your mom funds your living situation. You don't have to pay any student loans. And you get my taxes because you birthed a child. Yeah. Which again, I'm not even against the child tax credit, but look how you're using it. You're using it to travel now to take care of the. Oh my god, I need a car. How am I going to get his ass to school? You could have afforded the car if you weren't traveling. It is the mathematical way through that. Exactly. So, I don't know why the you're bringing it up. $500. $250 in a checking account, $255 in a savings account. Okay. It went. Our checking account went down. Well, yeah. I. Well, it's supposed to. Paycheck to paycheck. By choice because look at this. Look at this. Ladies and gentlemen, ladies andinging gentlemen, look at that mess. Two pages of that. But at least it's all. Shut the up. Jack in the Box, Fortnite, Apple, Sporting Goods, Afterpay, Stones, Throw Mas, Jumbo Juice, Door Dashing Denny's, Door Dashing Denny's, Afterpay, Amazon, Afterpay, Door Dash, Amazon, Amazon, Taco Bell, McDonald's, McDonald's, Afterpay, Door Dashing, The Burger. You not even giving him nutritious meals. Going.com wireless. Shut the Xander's something. Amazon, Microsoft, Fortnite again. That's for my son. I don't give a money you don't have, lady. Yeah, I'm not paying taxes so he can get Fortnite. Is that two Fortnites in one month? Yes, I am paying for his skins. Oh, instead of being able to hire more employees, I am funding your son's Fortnite skins. He appreciates it. Apple bill. Venuing out money. Etsy selling out money. Apple bill selling out money. Verizon selling out money. Apple bill. Apple bill. Savings $161. What a joke. Monthly maintenance fee cuz you don't have enough in there. What a disgusting joke. Pull up your phone. Pull up your damn stupid phone. For what? Which do you want? For whatever I want. Okay. You look a lot younger in your profile picture. What profile picture? Oh, my Apple one. I was younger. That was at a time shape. Yeah. Chat, GPT, Period Tracker, iCloud Plus, Moon X, Moon over the something. I got rid of that one. Peak Peak Pro. What's that? Text Art and YouTube Premium. Those are old as. Yeah. Well, some of them are expiring, but you just paid for them recently. So, Narwhal for Reddit. What the [ __ ] is that? That used to be a big thing, wasn't it? Well, it expired just basically last year. So, let me look at your Amazon. Okay. The Amazon my mom and I share. So, some of them are hers and some of them. Meow Mix. That's her. Shampoo bar. That's her. A lock. Oh, that was me. I ended up not even needing it. Sport tampons. That's me. Men's underwear. Oh, I got those or from my boyfriend. Sorry. Great. Cuz him from. No, I was tired of looking at his old nasty underwear. He needed new underwear. So, I got him underwear and socks. I've been getting nagged. I've been getting nagged at to get new underwear. I get it. I get it. I I guess I understand. Derma rollers. Oh, that's me. What are you trans? No, I'm going to start rolling my scalp with my Indian pharmaceuticals so that I can grow my hair more. Uh, cure egg. That's her. Lots of sprays and just lots of cat things. And she's got cats. I mean, I got cats. Yeah, apparently a thousand of them. My goodness. Boots. Boots. Boots. That's got to be her. Boots. Ted pods. Okay, this isn't the worst, but there's definitely some in there. And we have uh an expensive cat litter self-cleaning thing in the cart. $229. That's going to be for her. She can't be trusted to clean up after herself. Great. So, she should have cats. I trust responsible pair we have here. And then you said there was retirement. Where's Where's this retirement? Do you want it on here? I don't know. Well, I don't know. What's your retirement? Just tell me. Um, it's just from when I used to work at a casino. Two casinos. Yeah, you can pull it up if you want. I wouldn't try. Um, oh, there's more than I thought. Here you go. Okay. Uh, we are in RBC Wealth Management. Not sure. uh $29,000. Okay. Where should you be right now? In three years, you should be at approximately $80,000. So, you're dramatically behind. And that's just for having a chance of retirement. Honestly, that's not going to be good enough obviously, but that's cuz your income is low. Why we have it low at $80,000. You need to be making money. You need to be making money. I put 10% away of my check right now. They just barely let me start contributing. See, I would just take the match until you pay off this debt. Cuz still, even with the best returns, I don't have a a match. Then you shouldn't be investing anything. You should be paying off 30% debt cuz you're not going to beat that in the market. Let me see what you're invested in. I don't. That's just whatever the man the the financial man I let him do his thing. I use the same guy. You're using a guy for $30,000. I don't. I'm grandfathered into my under my parents. some mutual funds which who knows what the [ __ ] fees are on this. I have no idea about any of that. Why? I took my 401ks from my old jobs and I put them there with that guy cuz I figured he did all right for my parents. I don't know. His name for sake. He's a very nice elderly gentleman. Yeah, he's making money from you. You do not need someone to personally manage $30,000. If we're talking a couple million, then we can have a conversation cuz you can get some tax savings. Are you saying I should take that out and put it elsewhere or what? Well, the thing is I don't know if. Well, you're going to want to trade in the account so you're not. You're still going to have to pay capital gains. Well, I'm just. I don't want you to face withdrawal penalties, but I would definitely get out of an actively a managed account. That's for sure. And then I also have I um got sucked into like the whole GameStop thing. So, I do have $1,500 in GameStop. Take it out. Well, what's it invested in? Is it just a random brokerage? Fidelity. Okay. Like, but what kind of accounts in there? Just individual accounts. Is a no. Is it a Roth IRA? Is it a. Look, I think it's just a like a day trading. Like a. Okay. Is it an individual account? Sell it. Get out. Use that money. Put it towards debt. You don't think it's going to. Shut the up. You have 30% debt. I don't give a. I don't give a diamonds. Shut the [ __ ] up. I'm sure this guy's taking a percentage of your earnings. He has probably a fee. And let's see what these mutual fund fees have. Is this his mutual fund? Does he have a mutual fund of his own? I don't know. I don't even know what you're asking me. You have available cash $15,000. Listen, of the $29,000 that's in there, half of it's not even invested. You're kidding. Nope. No jokes were made. Oh, that's not good. Not great. So, can I move that money without penalty? You need to talk to him around and about. You need to talk to him. Okay. Why would it not be? Why would it just be sitting there not invested? I don't know. It net expense ratio is 1.12% a year. What does that mean? You're losing 1.12% a year. Oh, [ __ ] Well, that's silly goose behavior. Say you get a return of even 10% which is the S&P 500. Then all of a sudden you're losing 1% of that. It's so stupid. This is soing stupid. Why are you trusting this guy? Why are you using a financial $30,000 with half of it invested? I just went along with whatever my Frank, are you hearing this, Frank? Yeah, Frank, off. He's very nice. He's nice cuz he's making money off of you. That tracks. He's a salesman. Yeah. Yeah. But if I do it myself, I'm going to end up putting in GameStop. Oh, [Laughter] then maybe it's better with Frank. I I don't know. and pay the fee for you being a [ __ ] I guess it makes sense. The silly goose tax. Not a silly goose. You're a joke. I know that's insulting, but I'm not going to let you go away and think that you're actually just being cute. You're not. This is embarrassing. Your existence is embarrassing right now. How you are living your life is embarrassing. I'm having an okay time. By the way, the expense ratio for example spy is instead of 1 point whatever the other one was 0.09. 09. Okay. So, dramatically less. Mhm. Dramatically less. Or for example, Vanguard's 0.03. Why pay these expense? No. So stupid. And And I guarantee you mutual funds rarely beat the S&P 500. It's like something like 20% do. So the odds are against you. Why did he pick mutual funds? I think that's his own actively managed fund. I don't. I I don't know for sure. I don't know, Frank. I don't know what he's doing. So, you think. Okay, get rid of the GameStop and do what with it? Put it on a credit card or put it toward. Put it towards a credit card. Yeah. Your minimum monthly payment debt totals are $26,926 a year. What is your rent? Um, $350. What about utilities? Uh, so the gas is it varies. Come on. Average utilities, let's say $70 a month, including internet. No, no, without the gas. Okay, so I pay for the gas. Hold on. I pay for the gas and the trash. She pays for the internet. How much is gas and trash? The trash is $160 every 3 months. Okay. $160 divided by 3 plus $70. Your utilities are $134 a month. Okay, great. Got it. Phone bill? Oh, $160. I know. I'm going to. I'm going to get a different. I know. I know. I just paid my phone off. It's paid off. So now I can switch. You can use any of them. We like Helium cuz it uses T-Mobile towers and I use T-Mobile. So. And if I was on a budget, I would switch to Helium. But do you owe your phone? No, I just paid it off. Like just. So you switch to that? I'm going to switch. Okay. I'll put in $30 a month. One line. Just one. You don't need your kid to have a line, right? No, he's on his dad's. Okay, good. Yeah, it sounds like that's why your kid's surviving. Okay. Gas room from drive. How much? Uh, like probably like $200. You don't have a car payment, do you? No. Okay. What's your car insurance? $133. How do you have a paid off car? Because I bought it off Facebook Marketplace. That's right. Because you got a loan from your ex-baby daddy cuz you've never been able to do anything on your own. That's correct. Okay, that is correct. So, you only have the kid half the time. Yeah, Facebook. How do groceries work in the house with mama involved? She. Listen to me. We're not fully separate. I'm just. Oh, I'm checking cuz I need a budget. Hash groceries. $450 should be able to do you and the kid. Meal prep. I don't care. Use our budget friendly cookbook. You guys get the signed version if you take the annual version of our budget nap. TP fund. I'll give $150 bucks. Anything you and the kid need extra like the sports tampons. Shove them in his butt. Whatever you got to do. Okay. Medical healthcare. Anything else? Uh, anything. Co-pays. Uh-uh. What's your health insurance situation? I'm on poor people insurance. By choice? Yeah, by choice. What do you mean by choice? You're choosing to be poor because you're not working. Yes, by choice. So, off. Why are we enabling that? I don't know. I think the threshold's like pretty high in California to be on that insurance, you know, cuz I have my me and my son on that insurance. And that's going to everything up. Like, if I do start working more, I probably be responsible for your own bills. Well, he would have to go on his tax. Don't rely on the taxpayer. What a joke. Just so you don't have to work. Call. Oh my god. That's not what a nasty joke. So, nothing. No co-pays? No. Nothing? No. No. No. Okay. Gym. Um, no. Uh, no. I'll give you $40 of subscriptions. You choose where it goes. How many pets you got? I have two cats. And then when. How health and age? Uh, one is a baby. One was born February 10th. And the other one is like five. Okay. Get them both pet insurance. I'm going to. But there's going to be a dog when my boyfriend moves back in too. Age, health. He was born January. He's a year and some months. Mouth. Unfortunately, very good. Good. Okay. You don't like it? I don't. I never didn't want a dog. I didn't want a dog. But they actually do things and have personalities. Okay. $150 for pet insurance. How much for pet food on a monthly basis? Uh, probably like $60 if you put both of them together. $60. Cat and dog $60. Anything else that needs to be in your budget that I have not taken into account? Let me think. I mean, it's not like monthly. It's probably more like every three months. I do like to make big purchases on the Chinese gray market. No, you don't. And that's gone. That's canceled. That's like a. But it's. Don't give a. You're prioritizing life. Listen, you don't have much wiggle room. I'm so. No, you don't. Shut the [ __ ] up. Shut the [ __ ] up. $1,966.26. That's how much you need to survive. You are lucky you have wiggle room. And it's all because other people enable you. $300 or. You have $233.74 left. Student loans. I'm going to take that out of account for now. What? But that's only making the minimum monthly payments, right? Yes. I don't do that. I make. Shut the up. We're budgeting. Okay. Your minimum required and then we're deciding where the rest of your money go. What the are you? $92,386 by choice and it's not cute. Let's get rid of the student loans for now. We'll figure that out once you have to start making payments. And then I would just do a traditional payment plan or income driven if that still exists by that point. $23,610. $23, what? No, we're minim. We're minusing the baby daddy debt, I guess, right? No. No, that's not real. Yeah. Okay. So, $8,618.54 of bad debt divided by your extra $233. That's it. You have no respect for the dollar cuz you've just been enabled your entire life. And then we've paid for you. What a joke you are. Oh, I'm disgusted. Takes 3 years to pay off your debt. Good luck. I'm disgusted. I'm ending it. I'm disgusted. I'm ending it. It's not bad. It's not bad. How is it not bad? No, 3 years is not bad. Like, that's really doable. 3 years. If you budget it off of nothing, which is what I gave you, but I'm going to have another human in the house with me. I'm going to have my boyfriend with me, and that's going to be helpful. Yeah. Until not again. So, it's not going to happen. Yeah. It's only happened historically throughout your entire life. What the are you talking about? You're not cute. You're not funny. You're disgusting. And you have a child that you need to take care of. You're a mother. I take care of him. No, you don't. I do. No, he exists because of your baby daddy and he his parents have means. You're a joke. You go to jail. You get DUIs. You smear poop. You get people fired. You do revenge. You just go on vacations. You don't work. You suck to the tar of the taxpayer on multiple fronts. You are a joke. You are a joke. And I'm not going to let you think you're a good person. I'm not going to let you think that you are cute or funny. I'm going to tell you how it is. Even if it is mean, even if it is brutal, cuz I cannot have you walking around thinking you are something more than you are. You need to change this. You need to change your behavior. You need to change your life because it's embarrassing and it sucks for the rest of the people around you. Join Hammer Elite description below. best YouTube membership on the platform and it's the second largest by subscribers and stuff. So, thank you for that. We appreciate it and that's for a reason because we have lots of extra dedicated shows and a lot of things and it really helps support the channel. Thank you so much. Make sure you join that. But I'm going to do the hammer financial course spend in your budget you overspend. So, zero out of 10 that is bad. I'm surprised you don't have collections. Student loans is rough. I'm going to give you a two out of 10. I don't know how the time show didn't go in collections. that just kind of went. I think it's some weird like real estate like loophole thing. What the time share cuz I stopped paying on my half altogether. He paid his half off eventually. They did send a few like like um I hope it's in collections. I hate time shares but you deserve it. I look all the time. Emergency fund. Nothing. Zero out of 10. Retirement. You're behind by a few years. What. What was in it? It was like 30. Yeah. Yeah. 30. No, no, no, no, no, no, no, no. You got about a three out of 10 there. Real estate zero out of 10. Time don't count. No, no, no, no, no, no, no. We don't. Hammer financial score one out of 10. Join us in the post. Shut the [ __ ] up. Join us in the post show. I'm going to somehow survive that extra 20 minutes of the show. Oh sh Oh. Oh sh What? I have all the screenshots. Yes, you do. Am I allowed to? Yeah. cuz this is good drama. He says, "Oh, blowing mind things. One of the hottest things I've ever seen. I can't text." He was ready. You can call him and confront him. You were totally going to believe her name, weren't you? No. Hell no. What are you talking about, buddy? You proposed to meet up with her. Oh, her face is in this one. It's this image, ladies and gentlemen. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.