She Blames MAGA For Her Debt | Financial Audit

I am actually kind of in debt because of the past election. If Kamla was president as well, would you be saying the exact same thing that because of the last election you have lost money? I'm actually really good with numbers and I get told all the time that I should have been an accountant and as much as I don't want to. Why are you crying about being an accountant? Because I don't like the job.

It's got to be better somewhere else. It has to be better anywhere else.

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Hi, I'm Lynn. I'm 31 from Kansas City and this is Financial Audit. Yes, it is. Thanks for coming down to Austin. What do you do up there for a living? So, I'm a hair stylist. I own a salon and we're building out some stuff. They are curled. Yes, they are curled. I see. Yeah, that's what a hair stylist would do. Very good. I'm trying to permit. Trying to Is that a multi-week process? It is. Your hair is not healthy enough to do it, huh? Yet. Yours? Yep. You said yours? Yeah. Talking about me. My hair. Do you talk to yourself in the yours? I absolutely do. Okay. I have third person conversations all the time. Hopefully not out loud. I work for myself, so kind of. But there are people in the chair. If you start having conversations with yourself while you're doing their hair, they might be afraid that you're the one with razors and scissors. They are just as crazy as I am, actually. It's fantastic. Oh, okay. Okay. Very good. So, you must be making good money, business owner. I'm hoping. Um, not as much. Mhm. M we've got kids at home and they are kind of the priority now. Okay. When you say we see I don't know are we talking we as in you. Yes. Sorry. I have kids at home and they are my priority. So I That's fine. I make so that I can show up for them. I choose to make a little bit to help. So it's just you. It is just me. Okay. Good. How many Well, not good, but whatever. It is what it is. We're dealing with it. How old are they? How many kids? Two. Nine and 11.

So, what's going on? So, I am actually kind of in debt because of the past election. Wait, I know it's kind of crazy. Well, at least you acknowledge it. What the do you possibly mean? I don't know anything that happened the day of election or inauguration that was like all of a sudden here's a loan in the federal government. Please have it. So, most of my clients are affected by how the economy works, including my Well, that's everything in the service based economy, including my boyfriend's work. He's in construction. You have a boyfriend? I do. Um, and his income has been affected drastically. And so, or is he in construction? What do you mean? Like, what kind of construction does he do? He mostly does flooring, but he has done whole home remodels. He does some handyman work here and there. U, but a lot of that work has slowed down as well. That's interesting because if I'm not mistaken, especially when uh home prices were soaring, as materials were a little more expensive, people also stopped renovating as quickly and that was in the high inflation time. Wouldn't that have infected his job as well about 3 four years ago so and then got a little better for a while and you know for a little while? Yes. And we were kind of doing okay at that point. Now we do live separately and we handle our finances all separately. You've broken up. No, we just live separately. We have fun. You say now. Yes. You were together. We are together. No, you live together for a short time. It's usually indicative of a great relationship moving out. We did not agree on how some of the debt situations were being handled and to keep also indicative of an incredible relationship. Outside of that, it's actually wonderful. Sure. Outside of the things where we agree on life matters, it's great. Yeah, it sounds like a nice friends with benefits. But we to keep each other from getting tied to each other's debts, we decided to live separately. What do you mean? You weren't married. Yes. Living together doesn't all of a sudden make it a legally binding thing. Common law comes into play. Are you in like common law marriage? No. Because And a big reason to avoid that is or a big way to avoid that is not living together. We don't share a mailing address. Mhm. So it can't be insinuated or taken as we are living together and presenting as a married couple because we aren't and we don't. So going above and beyond in that.

So last election. Yes. I'm a little confused on exactly what you mean by that. Now I know job numbers, jobless numbers, unemployment overall. I've covered this in the live streams on the Caleb Hammer Live YouTube channel. Ever since like the height of the best employee market in the history of basically humanity about four years ago, you know, jobs gain on a monthly basis has been a steady decline. You know, people think the president has a lot more impact than they do. Now, you could yell tariffs, you could yell a lot of things, right? Which I'm sure you will. No, no, no. I really don't think they can impact as much as people say that they should. Well, they can. It just takes longer, right? And even the Federal Reserve, Jerome Powell, who is not the biggest fan of Trump, uh, specifically says we will not see the long term the the effects of tariffs for like a decently while it takes a long time to filter through the economy. Yeah. People get hyperpolitical and excited online like, but you know, it's it's whatever. But we're on the same trajectory and trend that we have been in terms of job numbers added on a monthly basis. Like I I if we would be almost in a very similar economic thing we're in right now if Kamla was president as well. Would you be saying the exact same thing that because of the last election you have lost money? Probably. So, you blame everyone but yourselves. No. Um, you can blame economic conditions. I bet people do less home renovations when things aren't as juicy. It's it's people borrow for home renovations. Interest rates are still high even though they've come down a little. Even still, people are less likely to invest in renovating a house when interest rates are high couple years. I looked at potentially moving out of the country and it's just never feasible. What does that make sense for? In in what way? It's got to be better somewhere else. It has to be better anywhere else. Anywhere else? Anywhere else. So, you'll be moving to subsaharan Africa. I'm like, what did he say [ __ ] me for? No, probably not. It's too hot. He said anywhere. Almost anywhere. Oh, okay. Pushing the goalpost a little bit. Just a smidge. Okay. Where is it better for you? Salon owner, business owner. Um, salon owner, business owner. I don't know. I have I'll tell you an economy that's doing pretty well in Europe. I'm sure you really like Europe. Poland. Poland's increasing. Poland's doing very well. But you know what would happen if you employed other uh people in the salon? You know what happens? If you want to fire them, often times depending on what contracts you're on, if you want to fire them, you still have to actually keep them on for about a month, two months depending on time. Well, luckily my boyfriend doesn't agree with that plan. your boyfriend who you're definitely not going to get married to and are not connected to in any way whatsoever. So, okay. Yeah. So, he likes living here. I mean, it sounds like he has his own business, right? Yes, he does. So, yeah. Why would he want to leave? I understand. That's where the his logic and my logic sometimes don't always mix.

Now, I'm concerned. We can blame economic conditions for certain things, but you went to blaming the election. Yeah. Um, a lot of things that's a lot that that is just someone who does not take any kind of accountability or at least any kind of objective intake of information about the economy. Yeah, kind of. If you want to go straight politics about it, there's there are certain things if if if the if he made it illegal to renovate houses, yes, we could blame that. I think a bigger part of it is that they a lot of places are worried about things going into recession. Yes. And that would happen in the if it was the other administration too. Yes. And so they a lot of stuff comes to a complete halt. It doesn't even just slow down. Like 80% of the work disappeared. Exactly. That's not the last election though. That is interest rates being high. That's the purpose of interest rates being high. To cool the economy, bring down inflation. And when you cool the economy, you bring it down. And you usually when interest rates are this high compared to, you know, the average of interest rates in the past decade or so, when they're this high, statistically a recession follows. So no, it's about when it all start and I'm not jerking off the president. I don't give a [ __ ] about that. But when you're going and you're blaming something on something like that instead of actual, you know, objective information. It's the thing that makes it put it together. It's a coke because so many people stopped so many of the businesses that he was doing work with and contracting with maybe they picked other businesses as well. They completely shut down. So all of that work disappeared entirely for the businesses that shut down. And also, why does this matter? This is your boyfriend. This isn't you. You guys aren't married together. You're not dual income. Like, I'm sorry that sucks. I'd give him a handshake and a hug, but this isn't you because the goal long term. What about you in your business? You said you're not doing well. No. Um, that's the last election. Yes. It's gotten much worse since the last election. People do still have hair, but the grocery prices, at least for I'm at have gone up drastically, and they are having to now choose going to the grocery store, getting their hair done on a regular basis. Okay. Depends on the food item specifically. You know, the food item that went up the highest in cost this year so far. I don't. Coffee? Probably. Why? I don't know. I can't drink it. But you're trying to blame everything on can't drink coffee. No. Is your body Why? Uh, I have heart problems. I can't have caffeine. Don't do that. Okay. Yeah, we avoid it at all costs. Oh, good. We as you. Um, coffee. Yes. A lot of people thought tariffs. I thought tariffs. Then I actually looked into things instead of just blaming the last election. Bad season in Brazil where we get a lot of our beans. Was it really? Yes. Huh. Lots of drought issues. That makes sense. Dramatically affected the supply, dramatically affects the price. When you're actually interested in learning instead of immediately going into politics of good guy, bad guy, my team, your team, you actually get to learn things and blame things. Some food prices are down, some food prices are up. Coffee is dramatically high. Eggs went high have relatively come back down. Not perfectly. Meat is up. Um, some produce berries are down. Yep. Are you suggesting that everyone in the median United States in your area is choosing, you know, oh, let's make sure we choose our steak over getting a haircut? Yes, you're on the supply of services. You're on you're on the end of services that like people wouldn't go bougie over in a downturn and people are a little more nervous now. So, I can I can appreciate that to a certain extent, but you are overexaggerating the potential impact of what things are like at this exact moment. This isn't great recession. However, it still uh has impacted us severely. Us who? My my family. My children. Myself and my children and all of our hair stylists. Tell me what's happened. I have a lot of this debt. Um because we are my significant other and I are trying to start a business. We are building out some salon suites. The economy is so bad. We um Wait, but your own salon isn't working. Why are you building out more? I have a salon suite that I work in. And it is licensed as its own salon. We are trying to You have like a booth in a salon is what you're saying? Nope. I have a whole private room like this room. It's an entire private room. It's one of those buildings you walk in, there's a ton of private rooms. There's only five. Okay. So, there's only five in this little building. Gotcha. And it's more of a style. But what I'm explaining is correct. It is one of those places. Yes. Yeah. Yeah. Sometimes there's a little hair massage booth. Sometimes there's a little Yeah. Some of them are offices. Exactly. It's a It's a little rent the space. Got it. Sure. Um we And you're trying to get more, but yours isn't successful. We're trying to get You're blame the economy instead of We can have um other renters that can come in and rent those spaces. So you're trying to buy real estate or you're going to subleasase. We're right now we're going to sub lease. attention to. But if the economy is not good right now, if your entire justification for why you're not doing well is because people are not willing to go spend on hair, why would you go rent units for hair being done that you would sublease out? Cuz if it was if yours was impacted because of the overall economy, it would affect everyone. Now, I'm a little skeptical to a certain point. Some things are impacted. Don't get me wrong. I want to be very real about that. And one of the things people cut on on are, you know, services and things like that, but you know, personal appearance, that is one of the things that people do still care about and will spend money on. I'm skeptical of you, the hours you're putting in, the price comparison in the area. Yes. What research have you done price comparing in the area for what you offer versus what the median is? So, there are, I think, 13 hair salons in town, and I am on the like lower side of average price-wise. M um a haircut. You're making me even more skeptical. Something's wrong. Haircuts in my town range between uh $45 and $75. I'm at for haircuts at the $45 range. Some color services. Something's wrong cuz they would but people will still get their haircut. That is an objective reality. They will go to the cheaper one. If they're not going to you, there is something more wrong than you're willing to admit. Most of my services are color services. Okay. Well, yeah, people are going to cut back on that. Exactly. And that's where the majority of my income comes from. Business. Help me do that. I don't know how to do that. Focus on cutting hair. You just already answered that yourself. What do you mean? You just answered that yourself. I do cut hair. I just don't I don't have any just haircut clients. That's what we're focusing on building. That's what you're doing any kind of meta advertising on social media posting. Yeah, I don't do a whole lot of that either. Well, yes. Why would you do that as a business? Huh? It's almost like the things that you immediately try to blame aren't what's actually holding your business back. It's almost like you are not serving the clientele on what the market is demanding. Who would have thought? I struggle to remember to do that cuz it's a lot to manage. It is a lot to manage. Paper. Uhhuh. Pen. Shut the up. What the What kind of [ __ ] use is that? Um, I struggle at remembering things and staying organized, too. I set myself reminders on my phone endlessly. I raised two kids. I raised two kids in man. No one's ever done that in the history of humanity. We're not all here because other people have had kids or anything. That's never happened. That has never happened ever through the entire multihundreds of thousands of years of human existence. What? 250,000 years? I forgot. I don't know. I couldn't tell you. You have kids? Yeah. Uh-huh. I managed them by myself. Oh my goodness. No one's ever done that. You'll get sympathy. Absolutely. You get sympathy for me to a certain extent, but you blame everything on anything outside of what you're doing. You can set a phone reminder. That's what I'm saying. Having kids does not prevent you from doing this. Boom. And then you set a reminder. It's as easy as that, dude. Kids does not take that away. Your life is a little more hectic, but you also have a boyfriend. What are we doing? How many hours a week do you work? Um, so I average 20 to 25. Okay, there's another failure. Number two, these these things you want to subleasase. Do you already have them? Um, so we have the space that we're building out each of the units. Okay. So, how many units are you building? Seven. So, it'll be Are these seven individual rooms? Yes. So, you already have how what's the square footage of this? Uh, the whole build, the whole unit, the whole large unit we have is 1,400 square ft. Okay. So, these are going to be quite tiny rooms. Okay, got it. Actually, larger than some of the other. How long have you guys had this? Um, a year. Just over a year. The is wrong with you? A lot. What's taking you so long? A lot is wrong with us. Us as in you. Me and my boyfriend since that's what we're working on together. Yeah, that might be projecting on to him. Why is this taking so long? Um, so it's been a year. It's been 14 months. Over a year. Yes, it has been. Oh, for sake. I know. I said the same thing. Um, we were in a car wreck. My me, both my kids and my boyfriend. In August of last year, we signed the lease last year. Yes. We signed our lease August 1st. If you said August this year, I would be like, "Okay, August last year." I'm sure that was traumatic. I'm sure that's sad. I'm confused. Why has this not been built out in a year? Um because along with the loss of income and the loss of income with all the thing with his work all slowing down cuz it's something we're doing together. You shouldn't. Why are we mixing relationship dating, not even marriage into a business, but we're doing it anyway. It's going to work out so well. Hopefully. No, you're you call yourself we sometimes it'll be fine. Uh but we were in a car wreck in August last year. So, we signed our lease August 1st and August 4th we were in a car wreck. But this was last year. It was um I have my hands are stuck. My ability to do my job has been a little bit less. Um his income had really died down. So that doesn't make any sense though. That doesn't make any sense because the election wasn't even happening in August. So if it had already preparing for it, this is cope. Blaming things on politics is just so stupid. Ideally, but it's more in your own control than your own out. Well, sure. Okay. Take six months. That's fine. But it's been nine months since it's been now 10 months since the beginning of the year. August was halfway through last year. So, okay. Recovery sad. Absolutely. I get it. Things aren't absolutely great after that hard situation. I mean, I know you drive. We had a conversation about it before you filmed. So, it's not like you're completely dramatic. You're like, you you're like, come on. You drive. You're you're back on top. Yes. Mostly. Come on. 10 months this year has been 10 months. So 14 months since signing but 10 months this year. Yes. Because why haven't you done anything? How much does it cost? What are you investing into this thing that you can't even make work yourself? So originally then sounds like a horrible idea. What's your lease term? Um we've got a three-year lease. Oh, and you're already a year in a year in, buddy. You're going to have to increase your revenue by your your rent by 33% just to break what you were supposed to be making in the first place. Yeah. Um, what's your monthly cost? Um, 1,400 is rent, which Oh, in what way? What money do you bring in on a monthly basis working 20 hours a week? So, that actually he pays usually he pays the rent. Lucky you have this simp. Sure. He fights me on a lot of decisions. Well, I'm sure cuz this is bat horrible. It's fine. Us 14 months, $1,400. Nothing to show for it. How close are we being done in renovation? Um, we've got $1,000 about $1,000 more that we need to put into it. So, it's about $5,000 probably. No, it's about $1,000. Um, cuz it's just materials. We have pretty much everything and we He's doing the work. He's in construction, so he's actually really great at what he's doing. Um, great. Taking time and money away from what? Dude, it's a it's a lease something you own. You're trying to sublet. Your entire business is subletting. This is not great. The goal is to purchase the building. The current building owner is actually retired. Yeah, but you need money. We do the because retired person doesn't mean they're going to give it away for free. That's actually And if we're on the show, you're not doing well. And if the boyfriend's money has dried up due to the last election, then good luck. It is starting to pick back up a little or it's just a lot of catchup. The catching up. Mhm. I mean, he did a lot of work to get caught. I just want to I just want to uh uh make this very clear. When things were bad, it's a politician's fault. When things are good, it was my fault. No, it was his. He did. He did. Yeah. So bad, someone else. Good. Him. Yeah, right. This is fine.

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Doesn't matter who president is unless they do something that is dramatically affecting your business. Tariffs have affected some businesses for sure. It's been really hard to get some of the products that uh I like to use, some of my clients prefer to use because of where they ship in from. They no longer believe it or not. You're not the only salon in this entire country. So other people are figuring out a way. I can't speak and I don't own a salon, but to suggest that you can't. [ __ ] off. So, he pays all the rent utilities. He pays the rent utilities for the shop. No, he hasn't missed it. My goodness. Why are you you are you even dating him to date him or are you businessing him? No, absolutely dating him to date him. I don't know what I would do in life without him. And what's the owner going to sell the building for? Um, that discussion hasn't entirely been had yet because we are not all there yet. He's not ready to sell it yet. Oh, but that was his deciding factor in picking us to take the space. Does he know how you are? No, they get their rent checks on time. So, outside of that, they don't need to know. Fully building out full started at 20, ended up going to 30 and then 40 to 50. What the So, oh, now it's going to be upwards to 70. Started at 20, went to 70. See, that's you. That's not That's not That's not That's actually not. Come on. Tariffs didn't move it from 20 to 70. tariffs. Then what the are you talking about? The building measurements that we got. The building measurements that we got originally, we had built a whole business plan around 1,400. Then utilities I'm going to call 16. Um utilities are actually only about 250 right now. If it stays so once it goes up. Okay. So I'm going to say 1750, dude. So 63,000 is your entire cost of that. And then the 70,000 buildout. Yeah. And then you're uh inspections blah blah blah. And then you're going to have about a year and a half. So in your year and a half essentially what you have to do, you need to bring in just to break even $7,388. Yes. A month. Yes. Good luck. No one rents something for 1,500 in sub leases for 7,300 400 a month. That is not. You will lose money. Let's just be clear. No, you will lose money. If your business is failing because the economyy's turned down, you're going to think you're going to lease out seven units. The hope that it was this is not going to overturn. and we're going to get successful people in there and it was going to all be fine. Everything's Sure. You might get some people in there. $7,400 a month just to break even for the year and a half you'll have left. No. Maybe. What What are you renting per unit for? You I have two of them. Rent for each of the rooms is six of the rooms are 900 a month. And I have one room. It's a double room. So, there's two chairs in it and that is $,750 a month. Gooding luck. What are you renting yours out for? 580. You're so It is not built out as a salon though. I had to put in all the plumbing and everything. So, what First of all, it still even your math doesn't add up to what you need to break even. You're going to fully lose money cuz even you overcharging, let's be honest, it's actually under for the area. Come on. You think everything is under? I doubt it. Come on. You're dramatically under where you're renting from. Off. Oh, I am for where I'm renting from. Exactly. The closest other set of actual salon suites though rents for almost twice as much as we have renting. Fact check. By the way, only one suite is done. Yes, one. So, I'm being told not to let you make it sound better than it is because Oh god, no. Only one suite is done. $1,000 left. This has cost $70,000. One suite is done. And you say it's $1,000 to get the other six up and running? Nope. It's $1,000 to get it to where we can get a fire inspection and get it open. What? That one suite? No. There are other suites that we need to get sheetrock up in and get the ceiling put together. So, all of that's about $1,000. No way. I refuse to believe because of the stuff. I've done office renovations for sure. It's not start from scratch. It's 3/4 of the way done. We just have to put it back together. Good luck. Oh, I have pictures. Yes, you do have pictures. I know. I didn't realize we were going to have pictures, so I just took random snaps the other day. Are you sure people are going to pay this money for it? Big guy, we got floating vinyl in millennial gray. Yes. You really wanted to lease out units in 2015. Not 2025. I mean, it's 2025, so that's what we're going to do. Yes, these are 2015 units even though they're brand new on floating vinyl. Not from what the other suites are in around our area. You compare to everything. You don't actually try to stand out in the marketplace. That's the That's how you make a killing. You are not going to be able to make your premium if you're just endlessly. Yours is brand new, full built out, floating 70,000 hours for that. I'm sorry, is horrendous. Well, we originally weren't having to plan on moving walls. You moved walls. We had to move walls. Oh my. This is the original measurements we got were not accurate. So, what we built our plan on originally was not having to move walls. So, that's where the 20 to 30 came from. And then we got into it and the measurements weren't off by a few inches. They were off by a few feet because someone else did them. And so, we had to move walls.

How'd you get to the studio today? I heard you're afraid of Ubering. I do not Uber when I'm by myself. I drove. I have a rental car. Why are you afraid of Uberine? Uh cuz I'm a single woman traveling on my own and I can only fight so much and I have kids to get home to. What do you think happens to single women and Ubers? Uh I've got plenty of people who have almost been kidnapped in them. Not saying everyone does that by any means. Hopefully it's happening far less. I'm just not willing to risk it. It was also cheaper to get a rental car for the driving from the airport to where I stayed and breakfast may have been true than it was to get an Uber. Uh this so this guy $70,000. How have we invested this? Where's the money come from? So the original plan that we had put together was that boyfriend was going to cover the rent and the utilities. He was going to take my car insurance, my car payment, and my phone bill. And then we were going to put the remodel stuff all on my credit cards because I had 0% on all of them for at least a year when we started. It's been $70,000. You spent $7,000 on interest. And then my income was going to go all towards getting those credit cards paid on. So we would essentially use my credit cards to get it all built out and as we made payments on them, continue using them so we could finish it out. And then once it's done, then we f since his income wouldn't have to go on our rent and utilities there anymore, it could go back towards from your job. What hits your account on an average monthly basis after expenses? Um, after expenses, based on my taxes last year, it's about $1,000.

Hey yo, what the [ __ ] Want to know a dirty little secret? And no, I'm not starting an only. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I use Dollar. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings, all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar today, you'll get a try for free, plus 3 months for just $9.99, so you can finally take control and see what your money's been doing behind your back. Click below to get started. I can flare my nose, too. I'm breathing stressfully. Hey, every day. Existential dread every day. Yes, I would be too if I had a failed business and I'm investing into more, hoping that other failed businesses are able to pay for my failed business. Just smile and wave, boy. What the is wrong with you? 1 $1,000 a month. Uh-huh. You're a mother. That's not acceptable. It's It's not That's where it's at right now. It doesn't have to be. You do not have to be the self-employed queen, a businesswoman of the century on Time magazine. You can go get a job. The problem is one of my children is special needs and to get him to appointments. I buddy, you're low income. I know for a fact you could have assistance. Um, especially in a major city, especially in a major blue city. We do have some I do have food stamps and I do get some child support. Child support from daddy. How much comes in from one of the dads? It's Oh, there's two dads. There are I tried to do better with the second one, but it it was worse. [Applause] Is it you or them? Them. Absolutely them. 100% them. Okay. Like I beat them out in court. 100% them. Well, that's good. But you call yourself we, so I'm just I'm struggling. I do. Um, you also have a little bit of a victim complex. A little. It's been through a lot in my life. Working on it. That's what everyone says. I know. Uh, you want to know how much child support is? Um, it'sund I think it's 148 a month a week. Oh, thank goodness. Cuz that's not much. I know. Times 52 divided by 12. So, we'll average it out at 641 and 33 cents a month roughly. Why doesn't the other dad give money? Uh, job hopping. Uhhuh. Yep. There's a whole lot going on in there. Uhhuh. When I do have child support from him and food stamps 321 per month. Okay. It's been they I'll put that towards the grocery budget. They lowered 436. They lowered the Lindsay said 436. Yeah. Yeah, it went lower cuz I had a renewal. But the requirements, there's so much of this that's your choice, though. Some of it. Yeah. You don't need to be doing this self-employed bull. Again, you're not trying to get on the cover of Time magazine. Who What are we trying? Absolutely not. Woman power. Like, I don't give a about that. Go work a job. I'm trying to have a job that I won't lose if I have to go do something for my kids. What does he have? She they probably he um Okay. He's back in regular school this year. We've done online school for two two years. My oldest is doing it for a third year. Why? Um because the school district, specifically the school that they were in, tried to tell me that his disability was not a disability and they wouldn't make accommodations for it. What's his disability? So, he is ADHD and autistic. And is this officially diagnosed via a doctor? Then how would the school say that? I I'm having a hard time believing this. If you had a diagnosis from a doctor, I don't think a school would say that. Nope. They did. They didn't say he didn't have it. They said it's not an age. It's not a disability and we don't make accommodations for it. So, I refuse to let their education fall. So, we've been doing school online at home. Is that going to be better for an ADHD? Actually, he did really well with it. And why you send him back? Um, there are some holes that were actually missed in his like kindergarten, first grade years that Okay. Well, he's in school and if he has he has ADHD autism, the disability that you'd go run and save. I thought he was missing a leg and was rolling down hills. So, he has ADHD and autism. Talk about every child born today. Like, I'm sorry. That's that's not a job that prevents you. That's not a thing that prevents you from going and getting a job. He's not sitting there stroking it out in the middle of school. But if he's got problems, then I've got to go get him or go help deal with him. Well, then yes, obviously you try to have a good job, good boss. But you are failing them by making $1,000 a month because you're trying to build your business. That is a failure. That is your choice. Yes. Yes. You will find a lot of bosses, a lot of businesses, the business that uh uh my families work for, you know, my business specifically, if anyone has an issue, of course, they should go deal with it. That is what would happen. You can find jobs. Not every job is some massive corporate overlord, bank teller, whatever. You would be surprised at how many there are in No, of course there are some. I'm not saying that, too. But you live in a major metro area of the United States. I'm not you saying you can't get a job and you're going to allow yourself to just make $1,000 a month while having two kids is not acceptable. I didn't say I can't get a job. Then go get aing job. Um I'm going to show up for my kids. I'm going to choose to make a little bit less than I can show. No. No. Sometimes showing up is they need resources. They do. And you are not providing. They have everything that they need. You are choosing not to work. So, the taxpayer is giving you food stamps. I'm not choosing not to work. I do. Yes, you are. I do work. Come on. You make a thousand hours a month via your choice. I do work. You could go make more. I could go make more, but then I wouldn't be able. If someone is saying they could go make more and yet we subsidize them. Is that fair? If you can, I want to subsidize the out of people who cannot because I don't want to be absent from my kids' life cuz they don't have another life. If you're working 9 to5, you're not. Dude, there's single families all over the place and people can have a good life. You're working 20 hours a week. You're not working 40. I don't want to hear it. If you're working 60, 80, you never see them. Yes, I would be on your side. You're working 20. You are not able to provide the resources required for them to have a good life. You will not be able to retire by the time they are in unconsensually born. By the way, they did not really have a choice. By the time they are 40 trying to make their life, mommy's going to be like, "Oh, I can't live." They're going to put their life on hold to support you. Oh, this is what everyone says. You say you don't want that. What do you think they're going to do? They will. They will. They will be morally obligated. They will because you're choosing to go work the job you want to do right now and using them as an excuse to do it. Let's be honest. Come on. Be real. Go get a job. Work 40 hours a week, 9 to5. I don't want to. There it is. Government Kansas, Missouri, take away her food stamps right now. Did you just hear that? Take them away. I'm not even kidding. I will say. You don't want to you. That is not a choice. Huh? I don't want to. Then that is not fair. That is not a choice. Subsidies should be there. And even more for those who cannot. You can. And you're choosing not to. Because you do not want to. And I knew the more and more I pushed on it, we would find out that you're doing this because you want to. Straight up, not because you can. Using ADHD. Using ADHD and autism. Yes. Uh, is he able to communicate with other people? Yes. Okay, then I don't want to hear it. Come on. He's every gen beta ever. Gen alpha, gen beta, he is every single one of them born. Maybe they're all getting diagnosed with this. If he's able to communicate with people and he's able to do things, and you're right, he probably didn't need the accommodations that you're thinking based on everything you're telling us. The more information is unlocked, the more we're finding out, he could probably just go to school. Well, he is back in regular school now because he was because he was missing things that he should have been taught when he was in kindergarten and first grade. Thought and we needed help filling those holes. Well, you would make more money, by the way, getting a babysitter that could wash 2 hours between school and you getting home and you going and actually making money like aing adult. 31. What a joke. I know. It's fine. Everything's fine though. Take away her food stamps, please. Okay, fine. Please, please. So, I would like to eventually Why are we supporting your choice of not working? It is disgusting. Then you blame the last election. What the is wrong with you? Blaming everyone but yourself. A lot is wrong with me. I think we established that though. By the way, we did the math. You can get a job at Supercuts there and you will make more money. The closest Super Cuts is an hour away from me. Okay, then the alternative. You're saying there's no alternative an hour away? Off. There's not a Oh, yes there is. There's no way. We have Super Cuts does haircuts and color and there's nowhere else that does haircuts and color. I don't care about what you want to do. I care about you making money. I understand. Then I don't give a I want to go to work and cliff. I don't care. Take care of your kids. I do be a mother. No, you don't. No, you're milking the taxpayer because you're a spoiled brat. I would actually like to get off of those things. Yeah, you wouldn't. You don't do it. God, no. What if you wanted to get off? I would. I have applied. I have actually tried to I want to get working behind the chair has been very difficult. Um so I'm trying to figure out what I need to do to get into a different career field in the next fiveish years. I'll get you a course career certification, accounting, something like that. A lot of people have used that to get into new career fields or boost things. I'm actually really good with numbers and I get told all the time that I should have been an accountant and as much as I don't want to. Why are you crying about being an accountant? Because I don't like the job. Huh? I don't like the job. We all do things we don't like. Believe it or not, like even though I really love my job, I particularly didn't want to come in here and film today. That's fair. I didn't want to deliver subs for Jimmy John's many times. I didn't want to do sales calls. I didn't want to do product management meetings. I didn't want to go to school. I did it cuz I'm a big boy. Mhm. You cry that you don't want to. I'm so sorry. I'm so sorry. I've never called someone

out for crying on the show because almost actually every other time someone has cried, I have found it reasonable. You're crying because you don't want to do numbers. I'm crying because off I enjoy the career that I've gotten into and it's sad to have to acknowledge you have to get out of it. You don't have to. We just saw that there are get it's not even necessarily get out of it because the finances but just because of my ability to do the job has gotten harder. It's gotten worse. So it's not something if you can't stand behind a chair. What are you able to do? Well, I can stand behind a chair. I just can't do like my income is almost half of what it was like years ago. What are you talking about then? because I was able to do extremely complicated multi. Type in your town. Type in your town. I don't want to hear it. I I feel like it's just it's victim complex to the extreme. I just can't handle I apparently allegedly you don't use Tik Tok or Reddit, but it's just like you are that to the core.

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It's also super convenient cuz my salon right now is a half a block away from my house. So I can walk there faster than I can drive there. And you know what? Scissors and Scotch, a local chain, Midwest Cuts, Chris Styles, Scissors Cuts, Nates Barberhop, Skizzer Scots, Royal Barber Shop, all the 10-minute drive. Barbers, I'm not a barber, buddy. I go to a barber shop. I know. Well, get your certification. I go to a barber shop and a woman cuts my hair. You're okay. Another 1500 hours of school and another $20,000 of student loans. Okay. Okay. Okay. Fine. Scissors. Scotch. Scissors. Scotch. I've applied. Do you suck? I don't know. There's so many of them. I I would love to see your resume. I'd love to see how things work because when I hear I applied just nothing happens. Is this like um I've applied and I went and interviewed. I was getting ready to have surgery beforehand. So they were they was what they told me is they didn't want to hire me right before I had surgery and go and leave do what what was your surgery? Um I had a partial hyctomy. Oh okay. But they didn't want to hire me on right before I had my surgery not knowing exactly. Also there's a great clips in your literal small town. Yes. With a horrible owner. Oh shut up. There's always there is never anything in your life that is not an excuse. No. There's plenty of things that are my fault. I wish I would have heard any of them so far in 43 minutes. That's just one place I'm not willing to work because I've worked at great groups before and I'm not willing to put my life in that position again. In that position? You sound like you're going and serving on the front lines of Afghanistan. Shut the I'm sorry. What the You're in great clips. Yeah. You're not building a building with no strap at the top like those old pictures. You're not doing that in that position in that position. You're not walking the streets flashing hole to get some money. Put yourself in that position. Putting yourself in that position is great. Clips, what are we doing? Mentally putting myself in that position. Exactly. What are you doing? What? You're a baby. I'm sorry. It's okay. I'm not sorry. It's okay. I'm not sorry either. I'm comfortable with the choice. Take away your assistance. You're making choices of not working. But I do have two other jobs that are just side jobs. Well, how many hours a week do you put into it, honestly? So, they're st I'm bartending at stadiums, so it's only when there are game days. So, it's not even like hours a week. It's just It's also seasonal. It is seasonal. And I just got them. Did you calculate this into it? I don't That's I don't know cuz I don't have a solid What do you So, okay. One time every other week sometimes. Sometimes. What have you What have you made from one? So, at one stadium, uh, my paycheck is about 250 and that's for about one game. Yeah, it averages about that once or twice a month. Um, the other one, the paycheck, they actually had payroll super messed up on it. So, like my check wasn't what it was supposed to be and it was a lot of back and forth. Um, so if I've put it all together correctly, I think I average 350 per game at that one. What do I add to your pay a month? I don't know. Why don't you just actually bartend? Um, that one I can't be up that long physically cuz those shifts are 8 hours. You can't do anything. I can do quite a bit. It just has to be shorter shifts. I'm not going to push myself to get hurt at work. No, just do rush shifts. What is that? Shifts during rushes. Oh, maybe. I hadn't heard of that. A lot of places. You never worked in service, food service, drink when I was in high school, and it always worked around my school schedule. So, yes, but no. Um, and a lot of places want me to work on Sundays. Okay.

I feel like I've learned enough about you. I can now put you in a box. I get you. I understand you now. How much debt do you think you have? Um, it's around 30 to 35. It's $40,488.75. Yep. No, don't take that as a W. You did not guess, right? No, I No, it's I just I'm closer than I thought I was. Okay. So, again, I What do I add to your stadiums on a monthly basis? I would just go with 500 to average it out. Okay. So, $2,141.33. Yep. Still uh nothing. Yeah. I'm sorry. Like for especially a major metro. It is what it is via your choice, dude. If you're truly broken, get on disability and I will support that. But I don't believe you're truly broken. I believe you're an endless victim. Based on everything I've learned in this conversation so far, I really do. Oh, come the on. Oh, shut. Come on. What are we doing? You won't go work at Great Clips. I don't want to hear it. Yes. Exactly. How much did you spend last month? It was mostly on bills. Uh, credit my credit card payments. How much did you spend last month? On it. Give me a second. Two. Four. probably close to $15 to $1,600 to pay all the bills and then gas and groceries. Yeah. 2,200 which was more than you make. Yeah. What's your history with that, dude? I actually This is the first time I have been in debt. Then why'd you do a credit card transfer? because I was running out of the time on my 0% interest. So, I just did a balance transfer. When first time in debt? Like, hey, this is also still my first time in debt because I still have my student loans that I borrowed at 18. So, what what do you mean? What? First time doesn't make any sense. It's the first time I've had un for me unmanageable debt. What f first? What is like right now? But when did it start that? Like I don't know. So honestly, like all of what you've got on statements, that's all stuff that from building out the shop. Like twothirds of that is from building out the shop. A a shop that literally will not make even when you sell out all the units you want to rent them for enough to break even. It's where we are right now. That doesn't make any sense. Just where we are right now. No, I would a part of me would just actually what? Forfeit, pay $1,400 a month and leave it empty. No. Oh, almost try to subleasase the rest of your lease and swallow the 70 is a mistake because this requ this re requires and relies on you and renting out every single unit which I don't know if you're going to. It does. I have a lot of people interested but we can't show them because they're not open interested. Uh-huh. I can't have anyone come in cuz getting people interested in something you want to sell is the easiest thing ever. For sure. Selling is hard. We have a lot of stylists that want to get out from a booth rent situation or out of an hourly salon like Great Clips actually, but we can't let them even come in and look at it because what is their terms? My terms are their terms that they would sign one-year lease. That's so risky. I don't know who would do that in their mind. It's actually a standard. I know it is. It is moronic just like you. You can't like you do you don't make money. Hey, my least term where I'm at is three years. It's crazy. It takes a little crazy to be a hair stylist, doesn't it? Big guy, this just isn't. Everything's fine. It will be fine. No, you're not even break it even in the best case scenario. So, this doesn't make sense. Can you describe how that's fine? Cuz it's not an option to give in. That's some delusion.

So, I do have something that might make you a little less stressed. Maybe. Is it paying for me to go get a massage? Because that might be it. That's all. No. No. And it won't even pay for me to get a massage actually. So, because of the I know sucks. Um, so because of the car wreck, um, I it's still not closed out. I have not gotten a settlement yet because my medical bills were so high. We are actually having to sue the insurance company. Great. So, something you're going to do. Well, that means nothing. It's been filed. I'm just It takes time for it to mean you're going to win. We will. Maybe. Listen. Sure. That's exciting. Um I will believe it when I see it. It's a silver lining. Maybe. Which, by the way, if it doesn't get in front of a judge before August 2026, you wouldn't get a single scent. Exactly. The reality is I'm being told from your conversation with Lindsay, you very much are banking on this 30, which is a very not smart way to do it because that means for sure. No, it's just objectively stupid because you're living your entire life now like there's another 30 coming which by the way. No, maybe not. I don't know. That's that doesn't even cover half of what you put into this salon bull. So, I don't want to hear it. I mean, as of right now, we've only put in about 30 into the salon. It would take another 30 to 40 to completely finish out and have each room ready for renters to come in. This is broken. Tell me about it. I am. If it costs that much, cut your loss. A part of me just says cut the loss. A big part. I feel that. I've cut my losses on some things. Sometimes you need to be mature enough to realize when you need to just be like, "Oh, I had no idea what I was doing. Yep. Cuz I don't have any idea what I'm doing, but going for it because outside of that, what what is it? Pride. What the why? Um, ideally, boyfriend agree with business in command. Yes. This is one of the things that we do strongly agree on. No, he's actually extremely intelligent. No, we just life decided that No, you did. Shut. Our path was not what our path was going to be. You did. You did. It's not some magical thing that did it. You did. You made the choices that led you here. I think the universe played Shut the up. What do you think? The universe is just sitting there like, "Oh, wow. I really care about this person in their salon. Shut the [ __ ] What are you talking about?" No, you made the choices that have led you here. And if you're not willing to accept the consequences of your actions, you will repeat these mistakes forever. Okay. Most of it is trying to get a business built up so that there's additional income. failed. That does that is that all that does not justify it. But in the height in the height of you doing best, you still lose money. So this doesn't make any sense. If we are able to mathematically figure out that this business strategy does just because you go out there and do a business doesn't mean all of a sudden it's justified. If I go out there and invest $100,000 and eliminate sand just because it's getting up a business and running doesn't mean that it's good. That doesn't make any sense. That is not a justification. That is moronic.

What do you think your financial score is? 0 to 10. Oh, it's I took the test online. It was like 68. Well, that rounds up to about a one. If you want to take the test online, figure out where you stand, where you're doing bad, where you need to do better, where you're doing well, take the assessment, get your hammer financial score at calehammer.com. It's free, just takes a few minutes. And if you don't want to be like a guest who ends up on the show, make sure you download the Down Budget app. It is my preferred budgeting app. It is incredible. It has changed tens of thousands of people life. Take the free trial. See if you like it. And if you do, save a lot of money by switching to the annual version. And when you do, I will sign my budget friendly cookbook and mail it directly to your house.

What the is this? And why isn't this just a normal statement? Um, because I could not figure out how to get an actual statement from them. I was able to get statements from a lot of places, but I could not find anywhere through the app to get the statement. You didn't log in on a computer? Um, I don't know my login information. Reset it. You tit reset it. You tit. It's so easy. I didn't want to. I didn't want to cuz then I have to remember to relog into it. Pull it up on your phone everywhere else. Pull it up on your phone right now. Right now. Oh, it's searching for service. I don't know what will load. We'll get you on Wi-Fi. There's I'ming nose. So, would it be a bad time to tell you that I'm also a competitive cheerleader? A weird time? Well, it just goes into my expenses. Don't understand why I give It's going to show up. It's going to show up on this. Oh, so you're paying for it. It's just going to show up on this. It's the first thing you have. You're forcing people to hold you up in the air. I actually hold people up in the air. Yeah, I would I would encourage that. I you don't want me in the air. That would be fair. That's what I'm saying. What would you like to see? This the transactions. Remember guys, she's not working as much so she can spend time with kids and then she spends money so she can go to her competitive cheer. You take away her food stamps yesterday. Oh my. No. This is insane. I know. What the is wrong with you? A lot, dude. Visa signature. This is crazy for making $2,141 a month. By the way, I know you're not setting aside money for taxes. My Does your boyfriend set aside money for taxes? That I don't know cuz our finances are separate on that. Um, you better. $10,7335 is insane. Uh-huh. Insane. And that's just one. Yes. What's your minimum monthly payment? Uh, if I can get that, I can show you. Cuz I when I Kansas City Chiefs, what I thought you were supposed to get money from there. You're spending there. Nope. I don't work for the Chiefs. I don't I see what you're looking at. You don't get to go to the games. I didn't go to the game. Why is $140 spent? I don't know. Can I see it? What? What is wrong? So, I can't look at it. And then more athletic cheer. Oh, it's athletic cheer. Yeah. Casey 140 140. Yes. What the? So, that's every other week. So we have gym fees which is once a month. 280. Yep. Okay. Gym fees is 140 and then the competition fees they take and average them out. Instead of one month it's 500. One month it's 200. They combine all of them and average them out. So So it's total about 300 a month cuz then there's also like a $30 thing. So $300 a month. Reminder, her income is a thousand. She has kids. She's not setting them up for success in any way whatsoever. And then she spends $300 a month on her competitive chair. Guys, she gets 64. No, no. How much in food stamps? 321. Ladies and gentlemen, we are technically in every mathematical form as taxpayers paying for her to go to competitive cheer. That is disgusting. You are disgusting. I pay tax. If we don't need if this is an indication that we need an audit on our programs, because here's the thing, man. I'm okay with spending as much as we spend, but I want to take it away from disgusting motherers like your yourself and give more to people that actually need it. That's what we should be doing. This is insane. Missouri audit how you are handing out your benefits. This is insane. I mean, they go based on income and it's disgusting. Income that you're choosing, that's unacceptable cuz you know you can get a better job. You're refusing to go work at a place in your own town. Shut up. And then you spend $300 a month, which is what we give you and subsidize you on competitive cheer. This is disgusting. Like actually nasty. Thank goodness we're going trillions in a federal debt for this. I like robust social programs. I really do. You ruin it. What's your minimum monthly payment? So stupid. Then you spend your time on this instead of actually working and you use the excuse to take care of my kids. So minimum monthly payment on that is 222. Can I uh give an honest thing? Yeah, I love honesty. I don't think you're a good mother. I think it's a really hard judgment to make when you haven't met me around my children. I see what you do financially and in finances impacting a house in the United States of America is one of the le leading causes for outcomes in this country for children. I don't think you're a good mother. It's easy to say that when you don't see the situation. I see the finances and I see the financial situation. And the situation is you go spend $300 a month while making a,000 on your own self-care and said to them, "You don't work. I think it's better choice for me. You live off the government by choice. I think it's better. You took them out of school via your choice." For sure. Because I wanted better for them. I don't think you're acting. This doesn't mean you'll never be a good mother. I think the choices you're making are bad. You can't say that someone's a bad mother when you haven't seen them around their kids. First off, there's many things you can do that are good. But if you are doing something really bad, of which you are here, that does take away from the good. It's not a math game of how many goods equals how many bads. It's not. Um, second off, I think it's better for my kids that I'm here versus not. You're going to cheer versus not here because without one thing, not here. You'll be there every evening if we do this right. To feel human, depression takes over. What? What are you even saying? The You're the only human being born on this entire planet that cannot work 40 hours a week. God, no. Then shut up. But the intrusive thought, what is this victim complex? The intrusive thoughts get really strong when you don't have one thing that is you outside of your job. So, what are you saying? You know what the natural response to that would be? So then what? Give up. No. So then what? I don't know. Keep going. You aren't though. You've given up. You do nothing. You literally are lazy with your work. You are dramatically lazy. You work 40 hours a week. Shut the [ __ ] up. And you spend all your money going to your own cheer stuff. This is bad. I That is less than 5%. I guess it's close to 5% of my total debt is cheer. Cheer. I don't care about debt because hey, believe it or not, the more you rack up your debt, the less percentage your cheer will be. Yeah. So, shut up. That doesn't matter. That's a stupid thing. But it does. It's 30% of your income. Yeah. So, I don't give a what percentage of that. You could go blow all your money right now and rack up double the debt. And guess what? Your percentage that went to chair is now half. That doesn't make it good. That's that's a ridiculous argument. your trip last year. Put it all on credit cards. Did planning on blowing at least $3,000 in the next trip? Yes. You make a thousand a month. Yes. The goal is that is a whole quarter of work. I'm sorry. That is bad mother. I'm not saying this is an insult. I'm not saying it to bring you down. I'm saying it as like a literal honest hopefully a wakeup call for you. Not saying as a dunk. I need you to realize what your impact and your selfishness of what you are doing right now is not what a good mother does.

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My mother did the opposite. She went out there and you know what? It actually did suck a little bit through uh my early middle school for a few years. She she worked her ass off all day in a low paid medical position under nurses, whatever that is, like nursing assistant or whatever. And then all night, all evening, she locked herself in the basement studying, doing homework, and doing online classes for nursing school because of that sacrifice under dramatically lower middle class where we had absolutely nothing to by the time I was graduating high school to where we were just solid middle class cuz she sacrificed and did that for her kids, for her family. She did that. That's what a good mother does. You're selfishly doing what you want to do. Good mothers also show up for their kids without risk of losing their income entirely. Go to a trip. A whole quarter's worth of your income. It's not a math game of one show up equals I can go blow all the money to invest in my child's future. When you get evicted, they're not going to remember that. Yippee, mom was there. We aren't going to get evicted. Says everyone who's ever been evicted. Like I don't know. Like I don't know. Technically we can't get evicted. Why is the technically? Because my boyfriend owns the house paid off free and clear. Okay. So subsidized by him too. So we live separately but listen me and the kids live in the house. Mhm. And that's as long as the relationship stays steady based on your past. We're eight years in. We got some off and on. But we're based on your past. Off and on. Sometimes off and ons leads to a permanent off. We tried that. It didn't work. It just screams welfare queen. I'd love to get off of it. I really would love to get off of it. You have that choice. You can go do that now. The I think my big problem with it is you can't what what you lose. You can't just make up overnight. It's 300. Yes, you can. It's 300. My kids have state health insurance. Well, yeah, but even still to a certain point through the Affordable Care Act, the subsidies are so extreme. Yes. I Dude, I applied for it myself. We don't qualify for it. What? Why? Well, right now we don't qualify for it because I don't make enough. No, I'm saying once you get to that point where the state no longer covers the kids, then you get subsidized where you probably wouldn't be paying a single penny until you at least make a decent amount of which yeah, you should contribute. So, when I was talking with the lady about it, working at even at almost $40,000, we wouldn't qualify for it because it wasn't enough to qualify for any of their plans. Exactly. We're not getting you to make 40. I'm getting you to 5060. That would be great. Well, yes, but you're not willing to work yet. absolutely willing to work. Oh, come on. This is so stupid. I just need to be able to work and still be there for my kids. Physically be there for my kids. I know. You don't think people who work 40 hours a week are there for their kids? Like, I'm not going to hear this anymore. I'm not going to hear this anymore. I'll say it. You're being selfish. You're being selfish and you're living off of us. You're welcome. Because of your selfishness. I mean, technically, it's Kansas. A lot of the assistance that comes in for food stamps, Medicaid is usually a partnership between states and federal government. Food stamps is a little more states, a little more states, but I'm sure what you're getting through the state covering your kids healthcare is coming substantially through federal government is probably federal for sure. Well, there you go. You're welcome. The food probably not a little bit.

Discover it. What's going on with this? You're purchasing on a card just like your last card that is basically maxed out that you cannot pay off that is acrewing interest. Why would you possibly do that? Um it just started acrewing interest. Again, all almost all of that is from trying to get the shop built out, trying to get it so we can get people in there. And I want to also be very clear, guys, do the math out there for a second. There is nothing wrong with building a business. Even if you fail, that happens. There is nothing wrong with being on food stamps. That happens. You know, when someone actually deserves it and they don't have the choice to go work. But here's the reality, guys. We are paying for her kids health insurance. Good. I don't want a kid to not have health insurance. We are paying for her to eat and get groceries. Good. I want that to happen. But what is she doing with not having to spend money on that stuff? She is then taking it and she is investing in her own business. I.e. how this translate is the government, the taxes you've paid, the the taxes I've paid, the millions I've written in checks, ho kill me now. that I could use to actually invest in this business and do a lot of damn things is going so that you can build your own business in a horrible way that is going to collapse and fail. Maybe. In what way is that considered fair or equitable even? It's not. Didn't say it was. It's disgusting. Again, I don't want to be on the things. I hate doing it. Shut up. I don't believe that for a single second. Good thing to say while you're on camera. Listen, you can get on the Fizz card. Debit card that builds uh credit. Uh so it like works like a credit card, but you can only spend what's in your checking account. So works like a debit card as well. Oh, good. Your payments fast, too. That's wonderful. That's great. Pretty sure I made it, but okay. Your payments pass due. How long does this take to pay off if you make minimum payments only without any purchases? Oh, I haven't even done that math. Try to do that math. Just what do you think? Got Come on. It's pro on minimums with the interest and everything. It's probably 20 25 years. And that's if you do not purchase and you only make minimum. By the way, it's 32 years. You'll be in retirement age. Yep. Which right now I also won't get to do. No. Via your choice which will put your kids life on hold and they will support you cuz social security will still be around by the time we retire. It will be substantially less. It will be. It will just be dramatically cut and it'll only be going 100% outflow via what's coming inflow and inflow will be less. I'm sure what you're saying is absolutely accurate. I just don't look at it cuz I'm not there yet. You never will be because you won't look at it. Probably. Yeah. Fees 41 bucks. There's your late fee. Interest is acrewing $89.36 of purchases. I don't know the why. What a joke. I had stopped spending 20% interest. Two late fees this year so far on this card. Couldn't see the other one because you couldn't send a statement. You went in, you got some bull. And what's price chopper? Grocery store. When you go in and you get $124, is that groceries? Yes. Okay. It's usually like you need for dinner. I'll actually believe that. Usually it's [ __ ] I'll believe that. I really don't do a lot of spending outside of like the shop thing. It's I really do mostly just get my bills paid as much as I possibly can. And a Menard's card. Yeah. What's going on with this? So, that's where we get those nails. Looks like they cost a They are $7 glueons from Walmart. Okay. Not bad. I pulled my I pulled through my change jar. Uhhuh. I mean, I would just go full natural if we literally can't afford to eat. But that's Yeah, I had we had team pictures and my nails were color stained, so I wanted them to not look hair color stained. So, I spent $7. I got some glue. Great. More to the chair. I know. Um, so the Menard's card, we get our cabinets and a lot of our Oh, no. And a lot of our sheetrock insulation from Menard. so much more just to get it to the place where we can rent other units other than just one. Yeah. By the way, the I forgot on the discovered I forgot to say $34,4457 is the minimum monthly payment. That includes the past two of 165. Okay. So, cross out. That's normally $1657, but you have to catch up. Okay. Now, on the Menard's card, the balance is $4,1249, minimum payment of $171. Yes. interest 200 last month. So, what are we doing? It's almost maxed out. This is horrible. Yeah, I've made a lot of prog. It was maxed. I've made progress on it. At that there was progress while making negative progress on the last one. You're just pushing and moving. That's all it's worked. That's instead of spending the uh 87 on the previous card from your checking account, you spend it on your previous card, then use it from your checking account to put on this card. Like that's that's how it works. You're just moving it around. You're not actually making progress. Tetris is fun. Money Tetris is care about a mother that can barely take care of their kids. Bills. It is bills. Yes. 300 hours a month to cheer. Yes. Bills. Mental health. Physical activity. Mental health. Use where you are. Yep. And get your free mental health coverage. Can't get it. Yes, you can. I know there's local organizations in in a major city like Kansas City. You have not looked. I know for a fact I have. No, you have not. No, you haven't. There might be places that I haven't been able to find. There are There's just no way. There's no way from any research we've ever done in any metro when people bring this up. We have always found it. And Kansas City is not a small metro. No, it's absolutely not. Like I don't want to hear it. If I can find one, I'd love to. But I also like the physical activity is a big Yes. Go run. God, no. I have bad knees. Go do anything. Go to the gym. I don't care. You have no excuse. Gym 30 bucks versus 300. I don't want to hear it. This is such [ __ ] Two late fees this year so far on this card. No one's surprised. Nope. Hundreds in interest now that it's all interesting. We're talking a 30% interest rate. It doesn't actually have a set interest rate on that card. Goes up and down. So, as interest moves, not necessarily. So like they have promos where if your purchase is over a certain dollar amount, you can get 0% interest for 6 months or Yeah. But a lot of that is out of it, so doesn't matter. But then there's others. This Capital One bring it up. Pasty shocker. Trying when it loads you'll get it. Okay. Smaller. Yes. What's the minimum? Probably like 25 bucks. I'm not sure. Autopay is off. That scares me. Yes. I'm gonna put 30 for minimum. It's usually what it is. Yep. So, saver card $339.33. Okay. So, what's Adventure Academy? That is What's reading IQ? Those are both things for the kids. Go to the library. There's public libraries. You're in a major metropolitan area. What's the date on those? Uh reoccurring ended end of uh uh the month prior. Oh, pending Einstein Bros. That was breakfast this morning. Park Casa Living. It's where I stayed last night. So, you went down there and purchased something? No. $21 is the Wasn't $21 to stay there. No, it was like 96 something and then the 21 was the the insurance in case I couldn't come on the trip Adventure Academy. Yep. That one ran out of You do. Listen, so far are you spending an outrageous amount of money technically compared to many other people? No, but you're not compared to many other people. You barely make any money and you're trying to take care of kids. You're spending more money on a couple things than you should even come close to. It's disgusting. Yeah, you shouldn't because it's all ratio. If you made a million bucks a year, you could spend tens of thousands of dollars on bull and it would still be less impactful than you. Oh yeah. If you go spend hundreds of dollars on [ __ ] it's destructive for sure. So it doesn't matter the dollar amount necessarily compared to other guests. It matters percentages and you're and it's selfish the things you're getting. Yep. City diamond preferred. Yes. What's going on? It's a credit card. Max out. It's a credit card. It's got a $3,500 credit limit. That was what I used when we went to $3,322.96. It went up cuz you purchased more than the minimum. Minimum being 41. 12 years to pay off. Probably. I hear that you told Lindsay that you're different than other guests on the show. a little bit because wow, we've had single mothers, many of whom actually work and provide. Um, you're right. You are different. Other mothers are better. Um, it's different because not all of this, most of my debt isn't um like random. Like we're not going on trips and it's still frivolous. It's your desire to build a failed businesses. It's a goal to But it's a failed goal. All math fails. So, yes, you're different. You made one of the dumbest decisions I've ever seen in the history of this world. Probably. But now we're here. Yeah, but you can stop. You haven't spent all the way up to the 70. We've got to get it at least. No, no, no, no, no. It is not sunk cost. Why? Why do you have to do this? We have to get at least the walls closed and a suit together. This is going to end and he might not even accept a renewal and then you'll still be underwater by like 10,000. 10,000 that you can't afford. That's 10 months of your income. Yep. And you're right. You know what? You travel, you know, you travel for your things. But when yes and you have the other one coming up. But here's the thing. Here's the thing. Other single mothers travel once a year a year. But they use it as making memories with their kids. You just do it for your own selfish cheerleading thing that you want to do for endorphins. So you're right. You're not like other guests. You're worst. Everything else is for my kids. No, you're building your business for you. I don't want to hear that. That's a disgusting joke. Because I want it to be a long-term something. It's not. you're already under with at the best case scenario by the end of your lease that you cannot keep saying that the math is not working and that's the best case scenario by the end of this lease. Yes. And he might not want to renew. You never know. He might sell it to someone else that does not want your type of business. We've got a guaranteed two extensions after our 3 years is up. Two extensions at what price guarantee? Cuz often times those come with price increases. Uh uh $200 on the first one and $400 on the next one. So, it'll go from 14 to 16 and then Okay, so you might by the end of a decade break even. What a legacy. We'll see if you never bought your kids Christmas gifts. I have not ever been able to. So, you spend $300 a month on yourself, but you will not get your kids Christmas gifts and give them a nice Christmas. You're selfish. Everybody else in our family gives Christmas gifts. Yeah, but you could, too. If you cut back this $300 a month, that is thousands a year. You could give them in Christmas kids on trips. They have chosen and this is in the past. It's all paid off. Chosen 9 and 11year-old. I have given them the choice. You guys get presents from everyone. Wait, but you bought your boyfriend an expensive pellet grill for Christmas one time. Oh my. Ladies and gentlemen, it is what is this world? What am I talking to right now? Your priorities are whack sometimes. Yes, your priorities are whack. But they I gave them the choice. Whack. I gave the kids the choice. I can get you more presents or we can go visit your friend in Florida and it was $800 for all three of us to fly around trip. And you could have got them a Christmas as well if you were not spending $300 a month on you. $3,000 going on your little special trip and they chose to go to Florida. No, you could do Florida and Christmas if you weren't doing your selfish things. You know what a good mother does? She doesn't spend on herself. She only spends on her kids and decides that her kids have enough from everybody else that they can have an experience instead of a present. I feel so bad for them. They're going to grow up thinking their mother doesn't buy them gifts. I don't think that's a fair assessment either because you don't know how much I've put into things for my kids. Um, mathematically, I kind of do from what you have there. Yes. Which kind of defines your entire where we are for where right now? Yes. Yes. That's everything. I don't give a about then. I care about now. This is what everything has led up to. 2018 Kia Sarrento. I do. Wow. Yippee. $13,288.3. Yes. Very good. What's it worth? Um, it was worth more and then we got in the car wreck last year. What's it worth? And so I think now it's worth around 95 for trading probably private sale closer to about 11. Yep. Yeah. So So you're underwater. Not dramatically, but you know, it's not the worst. Your minimum payment seems to be 337. Yes. What's the interest? Well, it's 336 in the change. Uh 33618. Rent uh interest is 49. That's not the worst. Listen, this isn't the worst car. I mean, of course, it's out of budget for you, but that's cuz you make noing money via your own choice. So, everything's out of budget to you. For most people, I mean, this is a great budget car and your negative equity position isn't the worst. Nope. And clearly, the car wreck wasn't so bad that it didn't total it. So, No, it it didn't, but it ripped the whole back end off and killed a bunch of those sensors. Yeah. But you were able to repair it and still be only underwater by 2000. So this car wreck I'm all of a sudden feeling even less sympathy about. No offense. Offense. I don't care. I don't know. I don't know. It takes a lot to offend me, Caleb. I don't care. I mean, I have your consent. So, I'm just I I don't know. It's just everything's out of your budget cuz you just choose to make no money. It's as easy as that. Is that that is that the end of your debt? Yeah. That's the rest checking. Yeah. Okay. $429 in this checking account. Netflix, you use YouTube, including YouTube Kids. It's free. Yes, there's ads. I know. But there's ads on Netflix plans as well, unless you add free and you can't afford that. You simply, if we are funding your food, you can't afford this when there are very good platforms that are free. There are more viewerships on TV, TV alone from YouTube than Netflix. And that's TV, that's not even mobile devices, okay? Not even computers. TV alone, more people watch YouTube on TV than Netflix. The only platform that wins on TV is Disney Plus, and you can't afford that either. So, obviously, YouTube is good. Use YouTube, cancel Netflix, unless Netflix gives us a multi-million dollar deal. Just kidding. Just kidding. Just kidding. Um, oh, I joke. Spotify. Boyfriend actually pays me for gives me cash to cover the Netflix cuz he also uses it. Sugar Daddy and the Spotify. My dad pays me the $16 a month for the Spotify because he uses it a lot for work. What about the pretzly truck? The pretzel in my truck is my vice. She's not around very often. You I don't give a So when she Your vice should be taking care of your kids and you don't. Shut up. Shut up. Hey, what'd you go into the gas station and get for $4? Probably a slice of pizza after tax. From the gas station. Which

Gas station? QT. Bottle of water and a snack then. Why? Buy in bulk. Pack with you. We do buy in bulk as well. Well, then pack with you.

What are you doing? This is usually when I'm nowhere near home, which doesn't happen often. This is so stupid. It should just always be in your car. I always have it in my car.

This is what people here have been doing at the office is they've um gotten the game they've gotten the gamer sub pack. Listen, you can't have caffeine. Oh boy. Instead of stopping at the gas station, getting their $4 energy drinks. These are the free samples that you can get. Link below. These are all the energy versions. There's energy free versions cuz those are the one I have the hydration drinks. It's so much cheaper. It's like making your own coffee at home. It's 25 cents a serving. 10% off. Link in the description below or get your free samples when you type in code Caleb. But you just so no more stopping in. 25 cents a serving. I know you're not getting energy drinks, but it's like the same thing cuz then you did the same with Dollar General. Then you're ordering things on Amazon, Burlington stores, Amazon, Academy Sports, Dick Sporting Goods. What the are we doing?

Um, Academy Sporting Goods were to get what I needed for my jobs at one of the stadiums. They had uniform requirements that I didn't own the things for already, so I had to go get them. Oh my gosh. And they went in and got some [ __ ] again. Amazon. I'm going to need to say to that Amazon. Gardener Parks and Recreation went and got some bull. Went and got some bull. Went and got some [ __ ] Parks and Wreck is my Pull up your Amazon. Parks and Wreck is my son's soccer. Start a screen recording. Well, that's okay. At least you're actually giving him $3 when you take 300 for your parks and wreck. Oh, that was his fishing tournament. Please load. Did you say start a screen recording for me to start? I don't know how to do that. I am not a techie person. We'll have the top down. This is what it's giving me. It's loading. It's loading. Give it a second. It's like this is all it's giving me. Yeah. No one else has a problem. Probably joy and prime. You're not logged in. I don't think I don't have Prime. But you're ordering on Amazon. I do when I have to get things for work. So again, my most recent stuff from Amazon is shoes. Shoes for one of my stadium jobs. Uniform pants for one of my from that same stadium job. Checking as 482. Uh, going out to eat. [ __ ] McDonald's. [ __ ] [ __ ] [ __ ] You went in and got some bull. You're do you are doing that a lot. A little. A lot. It has been. Come on. You literally are being subsidized by us and you're going and doing that. Off. It has been worse the past couple months. Great. When we're doing worse, that's wonderful. This has $7 and it's it's like nothing. Savings 18 and you're literally losing $2 on it. You're not even acrewing interest. $2 a month for the service fee. What? I just don't get it.

Okay, so total income, everything together, and this is seasonal. It's going to end, you know, when football ends, I guess, or whatever sports happening. End of November. Great. So, end of next month, whatever. $2,141.33. [Music] Minimum monthly payments is literally your entire income of 965.75 via your spending and stupid business decisions that were your choice and make absolutely noing sense. Yes, your rent it's free. 625 on paper. Do you ever give it? It's flexible. Do you ever give it? It gets given eventually. Like if I can't make it if I can't make it all at once, it gets paid. How much debt do you have to it? I think it's caught up right now. How much is it? 625. Do you do utilities? Yes. How much a month total including the internet? About 200. Yeah. Car insurance 160. Phone bill 259. How? How? What? What? That's so expensive. Because my internet is built into my phone bill. It's $5. I've got my phone. I have a a house phone for my kids because it's only $25. Dude, once these phones are paid off, if if if T-Mobile's good in your area, switch to Helium. Those are the towers that Helium uses. There's literally a free plan if you don't use much data. But you can also just use a a cheap $15 plan and use data as well. I mean, this is like crazy. It's like, come on. Pay off these phones, figure it out. You can't afford that's not even close to something you can afford.

Well, food stamps. Okay, we'll take $300 away from what you need to put to it, but you still need to put in about I think outside of food, we spend about 2 to 250 on groceries outside of the food stamps. I was going to say about 300 cuz no more going out or getting some [ __ ] TP fund, anything else you and your kids need should be about 200. Toothpaste, whatever. Sports activities, all that good stuff, 200. Medical health or any co-pays? I don't think so. Nope. Okay. Savings? No. No. Closed it? Nope. Okay. Well, what I am doing is putting in gym for $50 and you're getting rid of your $300 bull. That's the reality there. It's not an option. Subscriptions looks like they're paid for. Don't have to worry about it. You don't have any pets, please. I have three dogs. No. No. Oh, that's disgusting. That is disgusting. You can't take care of them. What? How old? What are the What are the ages? What are the health? 12, nine, just turned three. Uh, okay. For the three-year-old, what's the health? Perfect. We're going to get him pet insurance. It's going to be good pet insurance cuz you can't afford to take care of him if you get sick. 50 bucks. What the How much pet food on a monthly basis? Um, we ended up getting food every like six weeks. That's I think $50 a bag. Okay, I'll call it like 40 then. Anything else that needs to be in your budget that I have not taken in account? I don't think so. Tracker, we don't make enough money. I mean, this is this is this is just this is just it. It's not even the Can I call your boyfriend in the post show? Yeah. I'm going to call your boyfriend and I need to just confront him and just he needs to push her to the right thing. This this is the reality. This is reality. Cuz here's the thing. I mean, 2,849 is what you need to survive in 75 cents. It's like, what the doing? So, you're underwater dramatically. We We've known the answer. I think the audience has known the answer since about 30 minutes in. I don't give a about what you want. I know. I'm sorry. You're a single mother. Sometimes single mothers see their kids a little less because they go work in order to take care of their kids. You're you if you weren't dating this guy, you wouldn't have a place to live. It's just not a thing. You're in your in their future and everything's you need to go get a real job yesterday and we can help you. We can get you connected with the resume services. We can help you get but I don't give a what you want. You're going to go to great clips. You're going to go to wherever. No. Yes. You There's the face. Never mind. I'm done. See, she's not even willing to sacrifice and go. Shut the what a piece of great clip. No, you're disgusting. You're disgusting. You're disgusting. I I wanted to give you No, I wanted to give you all these suggestions, but off. Listen, you're not even willing to go do that. Just off. Honestly, off. Good luck to your kids. They don't deserve this. You're disgusting. Spending in a budget, overspend, zero out of 10. Debt, you don't have collections, but for your income, it's absolutely horrend horrendous. Obviously, 1 out of 10. Emergency fund, nothing. 0 out of 10. Retirement, nothing. 0 out of 10. Real estate nothing zero out of 10. Ham and her financial score as rounded up in the score uh that she well close to what she said on the test but.5 out of 10. Get your score kale.com. Now come join us in the poster. I'm going to call her boyfriend. Confront this. Click that join button. Join Hammer Elite. Three premium shows posted every single day Monday through Friday including an extra 20 minute of this episode and every other episode called the Financial Auto Post show. See you there. How are his finances? Bros cooked. How is he? I can't. You can't. I can't. I know he's in IRS debt. Beyond that, I don't know the total dollar. You don't know how much IRS debt he has. And you're going into business with a guy with IRS debt. He doesn't even pay his own damn taxes. You're getting funded by the taxpayer. And then you go into business with him. We fund that and we allow him to not pay his taxes so that we pay more in taxes. I love this system. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise.