$388,000 Of Debt To Storm The Capitol | Financial Audit

I'm in debt because I didn't attend. January 6th. Well, what the do you mean? >> So, my insurrection, my radicalization. started during that. >> What the? You said you deserved a year. off. >> After grinding for 40 years, I deserve. this. >> A year to yourself. What entitlement is. this? What entitle you? You. don't deserve anything. >> Well, BLM I was going to donate to. I'm. thinking and then I educated myself. >> Oh, how do you think George Floyd died? That's the wrong hero to have.

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dollarise.com or click the [music] link. below. >> Hi, I'm Pam. I'm 56 years old. >> Damn, >> I'm sorry. >> From Hudson, [music] Florida, and this. is Financial Audit. Pam, I was actually laughing. reading. the top of the document for this episode. for the first time in this channel's. history. I was in my office laughing. >> Oh, no. >> Because you telling Lindsay and it it.

fits your aesthetic. Uh, I'm in debt. because I didn't attend January 6th. [laughter]. What the are we talking of? What the do. you mean? >> That's how kind of all this started. brewing. >> And I only wish that my friend Mike. Pence had that additional courage. >> January 6th. >> So my insurrection, my radicalization. started during that time.

>> Okay. [laughter] And you're in debt. because of that? I was supposed to be. there and I did not attend because I had. previously agreed to go to Marco Island. with some friends that I vacation with. every year in January. We usually go to. Puerto Rico, but we went to Marco. Island. >> Do you have FOMO of Jan 6? Um, well, I. was kind of following along because we. had a rainy day on January 6th down in. Florida. And here's my friends all. sending me videos of what's going on. January 6th. And I'm watching the news.

and it's all hell breaking loose. And. here's my friends singing and. everything's peaceful and sweet. >> and now I'm seeing like there's all. kinds of violence going on. So now other. people are messaging saying, "What's. going on there?" So, how is it that half. the crowd didn't know that there was an. insurrection happening? >> I don't I wasn't there. I don't know. I. I didn't I didn't participate myself. Um. I'm. >> kind of wild.

>> I don't know. It was a big political. moment. I'm sure there were people there. that had no idea what was going on. I'm. sure if I was there, I wouldn't be. participating in any violent things and. >> exactly, >> but there were some people that were. >> that were as well. So, absolutely caught. on. I don't know. How the is you not. going there leading to you being in. debt? I'm so confused. That makes no. sense. Make that make sense to me. I. know. >> Okay. So, you didn't throw a chair. through a window. Now you're in debt. >> No, absolutely not. But Well, so that's.

like 2021 that happened, right? Cuz it. was after the 2020 election. >> Are you saying cuz Trump wasn't still in. office? You're missing your mortgage. payment. He's in office now. >> Oh, yeah. Yeah. But at at that point now. personally I was a poll worker during. the 2020 election as well in Tampa, Florida and um they were also saying. there's no fraud in the elections. There's no fraud in the elections. I. also witnessed that. Not kidding.

>> Okay. [laughter]. And you miss you're missing a mortgage. payment because of that. I got. >> Well, so this started the whole like. radicalization process where I'm just. like. >> of who? Of. >> none of this. Yes. >> Oh, tell me. Okay, sure. >> The world is cuckoo at this point. I'm. seeing. >> the world has probably always been. cuckoo. Humans are. >> um I assume. Okay, so you got. radicalized. I I don't really like. radicals. I'll be honest. >> I just figured that could have been. easily been me. And actually um.

>> what could have been voting illegally? >> No. going into the capital during that. time, not voting illegally, uh, but. watching. illegal votes being made. >> Okay. You saw illegal votes being made. >> Yes. >> Did you volunteer at the poll work? Isn't that like kind of what you're. supposed to be? >> Like, oh, sorry, you don't have the. right ID or something, >> right? Yeah. And I was. >> Why' you were Why were you letting it. happen then? >> I wasn't. I was rejecting too many. voters, so they took me off the poll. pad. It's called.

>> Were you correctly rejecting voters? >> Yes. they all had the same birthday like. a whole group of people come in and they. all have a January 1st, same year birth. date, the address will come up and it's. not even a. >> I just have to take your word that that. happened. >> Yeah. >> Okay. So, what happened on that? >> Well, there were several things that. were happening. So, they put me in where. the the ballots just get put in. They. didn't want me on the poll pad anymore. because I was rejecting too many voters.

I mean, without me seeing it, I I can't. like I I can't believe or even not. believe. It's like it's air. It's just. words. Like, it's it's nothing. Like, what? Okay. >> Well, for example, a minor came in. She's 17 years old. She knows damn well. she can't vote. So, I said, >> maybe she I don't know. >> I don't know. >> She looked smart. >> Does she think she could vote? I don't. know. >> Maybe. But I told her, "No, you can't. because you're a minor. You have to be. 18.". >> Yeah. and they told her to go walk to.

the other end and they handed her a. ballot. So, you know what's going on with it? So, as a registered independent, they let me be a pole worker. What I. found out afterwards was that they. didn't have any um Republican pole. workers there. They just had Democrat. and independent. So, that's how I got. in. I guess I was a Democrat in. Massachusetts. I had voted that way all. along. >> Where is this going? It's going to my um. kind of meltdown, financial meltdown, I.

would call it. >> Okay, so Trump didn't win in 2020, >> right? >> We came back in 2024. >> Was crazy. Yeah. >> Okay. I mean, an election is an. election. Whatever. We don't. >> Yeah. 81 million votes for Biden. Yeah. >> Was that the number? I don't I wasn't. tracking. >> Well, um. >> personally. >> Yeah. Well, I also did work for Look. Ahead America and looked at voter roles. as well. >> Look Ahead America. Do we What? Okay. Yeah, we were tracking um people voting. in multiple states. So to say that there. was no fraud and to say it's incidental.

If I'm finding it and I'm a nobody, then other people must see it. >> I I don't KNOW WHAT WHAT DO I SAY ABOUT. THAT? AGAIN, I don't know. You're not. seeing anything. If you give me like a. policy, usually people like that. So it. it seems like you're you're on the. extreme right. Okay. Usually people on. the extreme left on this show, they give. me like a political position that I can. on. You're not even giving me one. You're just like saying. >> I'm not extreme. >> You're like I. >> I'm not extreme. >> I don't know. You called yourself. radical. That is extreme. >> Well, like I'm using your own words.

>> from like crazy liberal thinking that. you know Trump is a a psycho and a a. douche canoe. We used to call him in. roller derby. >> Everyone on the right hates Biden. Everyone on the left hates Trump. I. don't know. This is what they all do. This is what that's ideology. >> I hate them both. >> Oh, okay. >> Yeah. >> Okay. I mean I mean the only position. you gave me is you saw people legally. voting. Like I can't. >> deny or say I agree. Like I don't know. I wasn't there. You're just saying. something. >> So nobody's there to protect us, right?

Your vote kind of doesn't matter at this. point. >> I'm confused. I do not understand what. that has to do with. a being laid or something or I don't. even know. Finances. Okay. So you were. radical in one direction and you moved. radical in the other direction. It tends. to happen. I mean trust me like s super. left Bernie Bros went super right as. well. Like that t people that fall for.

populism many people are very populist. They tend to just go populism on any. direction. I don't know. It's like I. just try to stay as much as I can in the. middle. I'll take positions on the right. and left just depending where facts are. But you definitely seem like you just go. from radical to radical. I don't know. But regardless, I have no idea what the. that has to do with any thing. Okay. >> I'm from Massachusetts. My world is. completely different. I was sitting on a. pile of money. I ended up buying. I.

said, "You know what? Florida, I'm going. to stay here." Um, I had been dating. somebody up north and we were going to. move to Florida together. >> Okay. >> We split. >> I hear Florida's nice. >> It's very nice. >> Okay. >> And I said, "I fell in love with Florida. anyway." So that was in 2019. Nice and. red for you. >> This is. Everyone's super nice and friendly. >> Well, Florida is nice and red for you. >> Yeah, >> it's very Republican now. >> Everybody's nice and friendly, though. >> Oh, okay. Well, >> I'm not getting like whistles in my ear.

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Try Aura for free for 14 days at. aura.com/hammer. Let's get back to the. show. Hopefully with fewer strangers. knowing everything about you. Is that what they do in Massachusetts? >> They would. Yes. Absolutely. There's so much of that going on. Nobody. can whistles. >> speak or Yes. >> Okay. Austin is incredibly blue. One of. the blue cities in America. I have not. got whistle debt. >> Well, because you're not out there with, you know, like a Trump shirt on or.

whatever. Yeah. I don't advocate for. >> either. >> cuz Yeah. But if you did. >> just sound economics and. >> some weirdo with a whistle would come up. and blow it in your ear. >> Okay. So you were in big protest, protest versus protests. >> Yes. >> So you got involved in the crazy. >> Yes, a little bit. >> Okay. Well, I'm not surprised that gets. heated when two political factions go at. it on the street. >> Absolutely. But one can debate and one. cannot. >> Okay. >> One has some facts and one does not. >> Also just depends on what facts we agree.

with. Means I don't know. I I I took a. political compass test the other day. I. lean left socially and I lean right uh. uh economically. It's like sure, but. what can you say just like facts are. like who even knows what that is? What. can you back up with anything? I Oh my. gosh, you're going to get me suck. Okay, sure. What's an indisputable fact? >> Indisputable fact. Suck. >> me down this rabbit hole. >> Indisputable fact. 17-year-old got to. vote in our election. >> Okay, that's not an undisputable fact. because like I might believe it. happened, but you can't say it's an. undisputed fact. just something that.

only you saw. It's like cuz you can't. show someone that you right. This isn't. a scientific report that we can be like. this is an undisputable fact. >> But I tell the truth, [laughter]. >> okay, >> I don't need to lie about anything. >> We just have to believe that. I guess I. met you. Okay, we've been filming for 13. minutes 37 seconds. So, I met you 20. minutes ago. >> Um [laughter]. Okay. Um. >> I actually saw so much stuff that day. I. had a notorized statement that I turned. in to the election committee. I was that.

upset. >> And what am I supposed to do with that. is going on. >> So just about it. >> Okay. >> You see you see all this stuff going. down. >> and maybe others too, but honestly I'm. not I don't really I'm not in that. world. That that's not one of my big. things to. >> Yeah. So this is my perspective. I go in. there thinking that you know everything. is lovely. We have our rights and you. know that's why I volunteered to be a. pole worker. I get paid to do it. regardless for my job. >> Okay. Well, states run the elections. Get Florida to make it more strict. I.

don't know. >> Yeah. And the way they make it more. strict is to have ID, but when you're. injecting ID, they take you off the pole. pad so that somebody. >> do more advocacy in Florida. I don't. know. Florida's not a left state by any. means. I'm pretty sure they have a. complete. >> uh ownership on all branches of. government in Florida, right? If I'm not. mistaken, >> Tampa or Orlando. >> Doesn't matter. It's state election. laws, >> right? Yeah. But it's depends on who. gives you the ballot. >> And this led to being with a ton of. debt. >> Someone voted illegally.

>> Absolutely. Well, think about it. I'm in. there. Everything is lovely. I believe. that our government is working for us. They're not. Nobody cares. It's It's. done, right? >> Sure. Okay. Yeah. >> Yeah. So, I I moved to Florida. Everything's great. Um. >> Okay. So it was in Massachusetts where. that was happening. >> No, that was all in Florida. >> Cuz then what' you say? So I moved to. Florida. Okay. >> Yeah. >> Sequences. >> We're in Florida now. Yes.

>> Okay. Still in Florida. >> Florida now. Okay. And. >> but I got from my little beach cottage. in Massachusetts. I bought a. >> D. You gave up a beast beach cottage in. Massachusetts. That's like dreams and. goals though, >> right? But I'm not um I don't have. Boomer wells. >> Well, you are Boomer. That's for sure. >> Yeah, I'm close, I think. I don't know. >> Oh, you're Boomer. >> What? I'm Gen X. >> Okay. Okay. Boomer. >> Okay. We want to go to red state. We.

want to leave blue state. Go to red. state. Okay. That. >> Yeah. Where a little more. [clears throat] sanity, especially with. all the co stuff that was going on. There you go. Very good. Okay. Sure. So, that's why you're in Florida. Okay. So, it's not because So, what are you saying. that you could have overturned the. election if you were there on January. 6th and that would have stopped all the. co issues? But I could have been in a. prison in a goolag somewhere or wherever. they're putting people. >> So you wouldn't be in debt because. you're you would be in a goolog. >> Well, partially, right? I'd be done for.

>> Um Okay. Okay. Very good. So you moved. to Florida to get a little taste of uh. red. Now you're red. Very good. >> Okay. So you went from extreme left to. extreme right. You are not independent. You are not independent. >> You are not independent. I'm. independent. When people like you say. independent, it ruins people who. actually are. You're not independent. >> I I. >> just own your It's okay. You'll. listen to everyone, but you're clearly. you already have your worldviews, dude. Own it. I don't care if someone's left.

or right, but own it. Don't say you're. independent. >> Absolutely independent, >> bro. >> I can I do not like what Trump's doing. right now at all. >> What What don't you like. >> about I because I don't know enough. about it. Right. Like Iran with the war. and stuff like. >> what which part? because he said, >> "But is it because of America first?" He. did. >> Or is it because. >> Yeah. Like, >> well, there you go. That's usually a. more right-leaning populist pers. perspective. >> Yeah. >> Cuz we should take care of our people. here. >> Well, there you go. That's usually that.

position on the anti-Iran comes from the. right uh populace like um uh Fontes and. stuff. Okay. Very good. So, I mean, that's not screaming centrist to me. What else do you disagree with? Centrist? >> A lot of things. I'm socially liberal as. well in some ways. We should have We. should be able to help out people. This. country has so much money, we're just. printing it for some reason. >> Well, I mean, 15% of it goes to health. and taking care of people. >> I can't print my own money. >> Well, yeah, that wouldn't be very.

>> What am I paying taxes for? >> Huh? >> What am I paying taxes for? >> Hey, Uncle Sam. >> Well, 50% again to health and taking. care of people. I mean, even though I'm sure there's. lots of fraud and a lot of but. okay. So, you disagree with. >> lots of it. >> But you say I disagree with Trump. When. you say that, you just mean Iran, which. has split the right. >> Well, it's just that all the things that. he campaigned on don't doesn't seem to.

be coming to fruition. >> But usually those people that say that. from the right-wing perspective is. because the not enough deportations. So, they're upset with that from the Trump. administration. Uh the war in Iran. because it's not American fir America. first. What else? You're not centrist, lady. Let's just be. honest. You're not a centrist. You come. from the right the right perspect the. the the rightwing perspective. But own. it. I don't give a Own it, though. Don't. say you're centrist. You're not crist. You said your only liberal belief is.

you're okay having a little bit of. welfare. Every every modern economy. believes that. Everyone believes that. Okay. Doesn't that. >> All right. So, you wanted to know how. this all ended up happening, right? >> Yes, please. Yeah. Take me there. >> So, I'm It's now 2021. Bought my house, which Okay, here's a liberal thing. I. bought a swinger's house. >> Believe it believe it or not, regardless. of political ideology.

>> Yeah, >> just going to let you know. But okay. Yeah. Very, very left of you. I had to. invest some of the money from the sale. of my house into this house. So I wasn't. >> That's usually how it works when selling. a house and buying a house. >> Yeah. So it hadn't been updated since. 93. >> Oh, for sake. Why did you buy a house. that would require that much work to. bring it up to date? Three decades. >> I fell in love with it. >> Why? >> Because it looked like a house that a. Florida person would come out of in a. pastel suit and a Ferrari. >> So it looked like a house built in. Florida.

>> Yes. >> I feel like there's probably more of. them. >> Yes. The whole neighborhood looks like. that. >> Oh, >> and it had a pool. >> Oh, that's very rare for Florida. >> After grinding for 40 years. >> Yes. Yes. Yes. >> I deserve this. >> Grinding. Doing what? No such thing as. deserved, by the way. You. >> absolutely deserve it. >> Okay. >> I was cleaning. >> Well, there is an entitled more left. position of you. You deserve you. No, you don't. Work and get. Work and get or. don't. It's up to you what you do with. your life. >> Yeah. >> But go ahead. So I'm like 16 years old.

counting pills in a pharmacy and giving. out medications to people. It was legal. Wow. >> In 1986. >> What trauma? Okay. >> I'm cleaning hotel. I'm talking about. like people that don't have to do these. things now who are having their parents. taking care of them. Like me. I was working this whole time. and now I'm seeing like it doesn't. matter where my taxes go. cleaning dirty hotel beds in a hotel.

>> No one likes paying taxes. I don't know. What are you What are you saying right. now? >> Congratulations. You did what everyone. does. >> Yeah. >> Okay. >> So, after 40 years of doing that. >> Yeah. >> I'm done. I want to have a year to. myself. >> A year to yourself. What entitlement is. this? What Entitle you. Until. modern civilization, people just worked. and died on the field. I don't give a. you. You don't deserve anything. >> I absolutely do. No, you absolutely. don't. No one deserves anything. I don't. deserve anything. If I work hard, if I'm.

strategic with my money, I can afford. reap what I sew. >> No one deserves I'm sorry. The only. things I would be okay with deserve is. like, yeah, maybe basic like minimum. food and we got that, you know, just. like making sure people survive. Okay, I'm good with that part. Sounds like you. are too. But deserve you. You don't des. No one deserves to take a year off of. work. >> No, I worked during the whole thing. I. worked during my. >> Sounds like you didn't take your. >> normal 2025. >> Okay. Uh-huh.

The house looks like a normal ass house. I don't know. >> I just pulled it up on Zillow. So, >> it's very special. >> No, >> it was special to me and that's why I. bought it. >> No. >> Yeah. Changed the pool to salt water. >> Wow. [screaming]. >> Yeah. Painted inside. Had to get rid OF. THAT CARPET. >> OH, PAINT. >> Didn't know what was in that carpet. Had. to get all the mirrors off the walls. Wow. Fully. >> mirrored hero. >> the trauma you've been through in your. boomer life. >> So there goes.

>> we're going to learn you today. >> Yeah, learn me something. You learned me. that you did pill separation. I. definitely bet the person who gives me. my monthly medication doesn't do that. >> Probably not cuz it's illegal now. >> What does count pills? >> Count pills. Yeah. >> Oh, minors. Yeah, but when you were. making money when you were young. Okay. I don't I don't know. I was a I I worked. a second shake that age. here is all. like this going on where obviously. we don't have a government that gives a. about us. >> Oh my gosh. >> So I'm like, "So why is now I'm getting.

stressed because of work?". >> Yeah. What do you What's your job. stressed out? >> Young, >> huh? >> Yeah. So I said, you know, I got. >> a job. >> I'm a project manager for energy. manager. >> Are you stressed out being a product. project manager? Something AI can. basically do for you. off. How do. you stress being a project manager? >> It was the situations that I was in. Yeah. >> Within this company. >> Let me guess. The project became. complicated.

>> No, I could handle complicated. >> The people became complicated. >> Yes. >> Oh, that never happens in social. workplaces, environments at all with. humans, complicated creatures. Drowning. in student loans with massive interest. rates. I see it on the show all the. time. People get a loan to advance their. careers only to be left with skyhigh. interest rates and crazy minimums that. leave their paycheck gutted. Maybe. you've already gone to a normal lender. to try to refinance your private student. loans and they looked at your less than. perfect credit score and hung up the. phone. Maybe part of you even thought,

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and for all. >> But here I am like 40 years of grinding. get some medical bad news. >> Cancer. >> and I was um I actually have a aneurysm. in one of my aortas but it was. >> due to stress. So. >> Okay. Is it still there? >> Yes. >> Okay. What do you do about it? >> Yeah. Well, the first doctor basically. was just telling me that there's nothing. I can do about it and I'm just going to. have to deal with it and it'll burst.

>> Okay. >> We're going to monitor it. >> When it does, what happens? you die. >> Well, that's not good, >> right? Yeah. So, refuse to do anything. stress. Do you take like a medication or. something like I don't know? >> Yeah. So, I I did all the things. I lost. the weight. I went down to 135. I was in. my goal weight all before this financial. meltdown happened. >> Financial meltdown in yolo 2025. >> Ah, yep. The year of January 6th. >> Yeah. Well, that's that's that's the. that's the basis of this. cuz I was.

happy, happy, happy that happened. >> You were happy until January 6th. happened and then you were angry. >> which led you to being stressed and. getting an angerism. >> Um, it's related. >> Okay. So, Trump was president 2016. He. won. Trump lost. January 6 happened. That. upset you. You got stressed and fat. You. had an aneurysm. That's the sequence of events. Did I. finally get it 28 minutes in? Cuz that.

kind of answers it, I guess, actually. Is the So, is that what happened? >> No, I'm I'm stressed stressed. Stressed. >> just with what's going on in the world. Just knowing that this world is not for. you. It's time to disconnect. Then dis. then disconnect. Disconnect. Disconnect. It's not for everyone. If you can't. handle the news, don't listen to it. And. your life won't change. like the world. won't change around you, but your life. will be improved. Some people I like to.

be informed as much as I can, but it. doesn't stress me out, so I'm okay. But. if it's stressing you out to the point. of death, disconnect, nothing will. change. >> That was that was a different kind of. >> What happens if you're not as invested? The world doesn't get better or worse. >> So, just stop. You're dying. >> Well, this was my mindset. Okay. I'm. just laying the foundation of the. mindset of where I was when YOLO 2025.

had to begin. >> Okay. So, YOLO 2025, right? Okay. Third. time I've heard it. That must mean it. means something. >> Well, it's just when this meltdown. happened. It kind of started in 2024. >> So, here I am like working working. >> So, yellow started in 24. >> It's all Yeah, a little bit. >> It's all What do you mean it's. all Let's define that. worldview. If that if that's what. defines all of your finances matter what. you vote for doesn't matter who's in the. in who's president. >> objectively wrong doesn't really matter.

with national debt you're correct on. that but social policies and a lot of. different things foreign policy. absolutely it matters what are you. talking about we definitely what what. >> what has changed. >> what what has changed in terms of. foreign policy specifically. >> no I'm just saying my dayto-day life. >> Biden I don't think would have done. anything with Iran good or bad you know. >> he doesn't even know what planet he was. on Sure. Okay. But but listen, like. Trump went in, he was much more against. uh you know, Iran getting a nuclear. missile. You can agree or disagree with. the war, but like I don't think Biden.

would have done that. Okay, very good. B. Well, Trump ripped up the Iranian. nuclear deal. You can agree or disagree. with the deal. Doesn't matter. Biden. wouldn't have done that. Trump didn't in. his first term. There are different. things that happen. Okay, we're much. more rur Ukraine against Russia during. the Biden administration. A lot more. money going over there. Things are. different. You know, we're we just whose. pocket the money is going into. >> No, no. I mean, even just the. relationship with NATO is different. The. trade tensions and uh trade policies and.

even just the conversations around. Greenland, it's different. It's. different for administration. You can't. say nothing matters. >> It doesn't matter in my day-to-day life. >> Well, okay, that's relatively true. Now, now the tax cuts would have expired. Your taxes would have actually gone up a. little. So, it actually does kind of. matter. So, you can't actually say that. Uh, okay. Closer to true than not, >> right? So, the I'll give you that. >> One thing that I did notice that changed. though was the interest rate on my. student loan. Um, >> okay. Well, that's the Federal Reserve.

lady. >> Yeah. Well, the Federal Reserve under. Biden. I got a 8% student loan. >> Dude, that was Jerome Powell who was put. there by Trump in his first term. >> And he's terrible at his. >> Okay, but that wasn't Biden. >> It was during his. >> I'm not sucking Biden's dick. It doesn't. matter. The Federal Reserve is. independent of the president. >> All right. Right. And that's why we. can't get good interest rates now. >> Yes. Why was interest rates high? Cuz. inflation was high. No one likes high interest rates. But.

what's worse is high inflation. >> High inflation is worse than high. employment. Unemployment. >> That's why I am where I am now. >> What? After all that all that rambling. and that's it. You're sitting on money. right now. >> I was sitting on money. >> Oh, was okay. >> Yes. And now I find out about this. thing. I feel my mortality. >> What thing? What thing? >> The the aneurysm. >> Okay. >> And this doctor's very negative about. the whole thing and basically tell me. there's nothing that they can do. >> An opinion.

>> I absolutely did. >> Good. >> That guy said, "I need more salt in my. diet. We could monitor this a little. more aggressively and I will have to go. for a surgery, but it is possible.". >> There you go. >> So great. But I'm hearing this over a. year later. >> Okay. should have gone a second opinion. a little quicker. But. >> absolutely, absolutely. But to get a. everyone know that. >> to get a heart doctor in Florida. >> Yeah. Isn't that where everyone's dying? Isn't that perfect for heart doctors? >> Cram up the doctor's offices.

>> Oh, what did you think? The supply and. demand. Okay. Okay. >> We don't have enough doctors down there. I guess. >> I guess maybe your insurance doesn't. allow Okay. >> Yeah. >> Maybe you don't have great insurance. I. don't know. >> My insurance is good. Yeah. So anyway, >> I'm I'm feeling my mortality. 2024 it. did start and I went to a concert and I. hadn't gone in 10 years and I'm like, you know what, screw it. I'm going to go. to a show, >> Kid Rock. >> I'm Oh god, no. >> Okay, that was a joke. >> Although, >> oh, >> it was falling in reverse and um I did I.

want to go VIP, right? It was wonderful. >> Yeah, the $20. >> and it felt great. I felt alive. I felt. great. All of this all of that. crap. >> Oh my goodness. Yeah. Surround yourself. with negativity all day. It's It's weird. when you actually do something nice that. it's. >> Yes. >> Your brain is happy. >> Yes. >> Okay. >> Yeah. So, there was all this. going on in the world, in my life, in. everything medically, feeling my. mortality. Yeah. I'm going to enjoy.

myself. >> Okay. So, you spent a few hundred bucks. on a concert ticket. That's why our. finances are. >> Well, I flew to Raleigh, North Carolina. for this show. Oh no. >> And I got the VIP meet and greet. >> Oh no. >> And because I had to show Ronnie. Bradkkey my shirt anyway. Paid extra for. that. And then I decide, you know what? I'm just going to go to all the shows I. can. The money always comes. That's the. thing. The money has always come. >> Not for your boomer. Good luck getting. employed again if you get laid off.

>> Well, that's the problem, right? And I'm. I've been at my job for 16 years and I'm. realizing that, too. These companies. don't care about you grinding for all. this time. >> In what way? Depends how you define. care. >> They You can get let go in a heartbeat. >> Yes. That's not not care. I care about. the people working here, but if there is. a budget crisis or if someone sucks at. their job, that's not not caring about. them. >> They won't do anything. Like nobody's. going to come and say, "Let us help you.

or do you need anything?". >> What do you mean do your job? What do. you think you're employed for? Well, I'm. talking about the the businesses that. I've worked for are very like big. corporations. >> Sure. What you want them to come suck. your dick for doing your job? I don't. What do you What do you mean? >> So, I'm going to shows. I'm doing what I. want. The money always comes. It always comes. >> Except not really, cuz you just. established if you get laid off, you're. probably no age discrimination in this. country. You would be. >> Yeah, I would now, but I wouldn't have.

been. >> before. Yes, you would have been. Well, before 2024. Yeah. A year ago was. yolo 2025. That's why. >> it was I'm going to do anything I want. >> I am going to. >> But you still would have been You would. have had to find another job and the job. market wasn't as great then either. >> But it doesn't I'm not planning on. getting laid off. Like I'm not going to. >> Oh, you're not planning on getting Oh, she's not planning on getting laid off. >> I had money. Very good. >> I had money. >> Project manager. Guess what's the.

easiest thing to replace with AI? Well, they haven't so far. >> So far is the key word there, bro. >> Yeah. So I. >> What is even in your retirement, Boomer? >> You can let that go right now. >> Nope. >> Yes. Or you will be boy. >> I'm okay with being boy. >> Okay, boy. >> Oh no, I'm so insulted. Okay. Yes. What's in your retirement? >> Uh about 75,000.

>> Oh. >> yeah. Oh. Oh. >> But I had always been responsible. Always had put money in there. >> Was $75,000 to 56. >> I got divorced. I had to take all the. money out of that. >> What? How much did you lose in the. divorce? >> I have no idea. I don't pay attention to. any of this. The money always. financially responsible of you. >> I am not claiming to be financially. responsible. I'm just saying the money. always comes. >> She just says I've always been. financially responsible. >> Well, before I'm talking about.

>> Okay. Before you would have known how. much money you had. >> You would have known how much money you. had. >> I never pay attention to that. >> Then you can't say you were financially. responsible. >> But the money was always there. >> There for what? You're in debt. You. can't say the money was there. You're. putting it all in debt, you What. are you talking about, man? >> Yeah. Well, the money was always there. >> You think you're ever going to retire. because of 75,000? No. Social Security. benefits are going to be cut by a uh. legally mandated minimum 25% by 2033.

unless we push retirement age, which. would you or lower benefits across the. board, but that's already going to. happen. Do you know why? Are you. tracking that? >> Because the boomers aren't dying off. quick enough. >> No, >> that's a big group of people that. >> you So, you don't know why? >> No. And I'm going to I'm going to go. early anyway, so I'm not really worried. about it. >> Okay. Well, the reason why is because. every single dollar that's going out has. to be coming in. There will be nothing. left on the side. So, the moment that. happens, mandatory minimum 25% cut.

across the board of retirement benefits. The only way to prevent that is of. course rain payroll tax or you know, social security taxes or. >> or get rid of fraud, get rid of sending. money all over. >> That's not gonna happen unfortunately. But even still, I mean, social security. is paid out through social security fund. regardless. So that's that's not going. to giving the country another money. wouldn't change that unless they. allocate more money towards that through. a different tax. I don't know. It's up. to you, I guess. I don't know. Well, you. have no idea what you're talking about. You don't even know why your benefits.

would get cut. How are you going to. retire with that 25% cut that is maybe. going to happen or the age gets pushed. >> Well, >> and you have $75,000. >> That's what I want to figure out cuz I. am going to live now. It's a different. ball game. >> Okay. That's contradicting when you just. said you're not going to be here for. very long. Well, I'm going to live long. I want to retire like yesterday. I want. to be done. >> Well, good luck. You kind of. around your entire life and didn't pay. attention anything and was not. financially responsible. Now you have. $75,000. And you know what's going to.

happen, ladies and gentlemen? I roll my. eyes every time I see it. Now, you know. what's going to happen? She's going to. be 70 and there's going to be a clip. online on Twitter or Tik Tok or a news. piece about a 70-year-old working a. cashier position at Walmart. And we're. all going to be so sad saying no. No one her age should have to work to. pay the bills. She lived her entire life. around did whatever the she wanted. Didn't sacrifice oneing thing and then. she's going to look old, sad, and. pathetic.

>> for one year. >> No, dude. Your entire life you probably. lived beyond your means. You didn't you. can't tell me how much you had. I know. with the money that you have been making. throughout your life if you set 20%. aside on a yearly basis, you would be. retiring a multi-millionaire with what. the stock market has done in your life. you. So, there's going to be a. pathetic sad story. Then, we're going to. get bad policies, raising taxes, and. like that to give more to. her. The generation that had everything. and sacrificed nothing. And then they. look sad on camera. off. You should.

have sacrificed some That was the. boomers who were given all that. >> Girl, you're like 2 years different. Shut the up. >> The point. >> Same thing's going to happen every. generation with the sad video of a old. person that shouldn't have to work to. survive. You just decided not to do. anything, you could be a multi. multi-millionaire. But the income you have had throughout. your life. >> Yeah. If I stayed in a in a bad marriage. and continued along with that. >> No. No. It has a divorced parent of two. kids. I don't give a Even if.

you're contributing 10%, you would have. been a multimillionaire. >> That's fine. But it couldn't happen. then. >> Yes, it could have. You. >> No, it couldn't. I was. >> You didn't spend one penny going out to. eat at all. >> I barely went out to eat. I was also. getting. >> lies. Lies. >> I didn't even graduate from college till. I was 30. >> I don't give a That doesn't. matter. 30 to 56 with what the stock. market has done. 10% of your income. throughout those years. You would have. been at a couple million. >> If I had 10%. >> You absolutely did. >> I was laid off for 18 months during that. time. 18 months out of multiple decades.

>> And that money had to come from. somewhere. And. >> I know for a fact you just get a match. >> Match. Free money. >> Yeah, I I have that right now. >> Now? Oh my gosh. She doesn't understand. I know for a fact. I look through. statements for three three days a week. Three days a week. Multiple years. Everyone thinks they don't spend money. You spent money. I don't want to. >> I have spent money recently, but I'm. saying all. >> there is not a single piece of me that.

believes that. And then who even knows. how long you're going to last at this. company? No offense. You're one of the. first ones to go. You're slower. >> But I'm not actually. >> Yes, you are. >> No, I'm not. >> Your productivity is probably considered. less. >> No, it's not. >> Probably. And again, just job like AI. project management. Good luck. >> Our younger people can't even get out of. their own way. >> Says the boomer. Like I don't know. It's. just like it's just like generational. division blah blah blah. Fight fight.

fight fight. I don't know. But probably. on an actual. >> no original ideas like can't even go. there. >> Yeah. Project managers. That's who we. look for ideas from. >> We do have to figure things out. And. it's hard to figure things out when all. you do is watch videos all day and. be whatever you're doing. >> You have a little resentment there. >> Yeah. >> Why? Why are you resentful? >> What? What's going on? >> Because I didn't have anybody that was.

supporting me through things. Yeah. So, I'm just saying. [screaming]. Yeah. So, it's hard to problem solve. when you never had any anything happen. to you. No, no, no, no. >> Life is super easy and that's when you. have to make up. >> to get upset about. >> Shut the up. Housing costs are more high. for younger generations than your. generation by far. Not even close. Cost. of uh education beyond higher. Healthcare costs beyond higher. Now, for.

what it's worth, I will give you one. thing. The cost of having things for. fun. The cost of groceries as a. percentage of your budget is lower now. than practically any time in human. history. So, younger generations, we got. that going. Okay, got that going. But. you had lower housing costs, lower. educational costs, which leads to higher. income because education easier to get. into, easier to get higher income, cheaper cost to go and health. So, necessities to survive, too. And then. one to increase your income. Those. things are more unaffordable now than. ever. So, you victim Just shut.

up. Shut up. You're not a victim. I. didn't have anyone to help. You were. married for a bit. You had help for a. bit. Then you didn't. And then you're a. single mom. Oh, no. None of those exist. in this country. >> I married I I did everything the right. way. I married my high school. sweetheart, captain the football team, the whole Well, in the8s, that's what was kind of. >> bummer. >> the thing, >> whatever. So anyway, yeah, I had to support two. children during this whole time myself.

>> Yep. No one ever did that throughout. human history. >> Not in having matching 401k and. everything else. I had to use all my. money. Plus, I had to go to college on. my own. >> I couldn't get student loans and stuff. And actually, >> well, I do have some student loans. because I was getting my master's. degree. I mean, back then in the 80s, all they would give you for your student. loan is exactly what your tuition was. No money for books. Exactly. That's how. it should be. Getting my master's.

degree, you know how much they want to. give me in a student loan? $20,000 for a. $3,000 class. So all these people that. are saying my student loans so high up. to. >> you to take as much. You're right. >> Exactly. >> No, I'm not an advocate for student. loans. Student loans have made what. school is so expensive. Don't get me. wrong. >> Like you're complaining that it paid for. school. Like shut what what was your. point? You're claiming this victimhood. is so stupid. Uh okay. So this is what. I'm being told. You stopped getting your. master's degree because there was an. immigrant in your class.

>> No. What? [laughter]. >> What? >> My god. That's a that's part of a larger. story. >> of an immigrant. [laughter]. >> So, I'm getting my master's degree. Now, everybody in this class is supposed to. have a bachelor's degree, right? All of. them. >> Okay. You didn't check someone's ID when. they were coming into class. >> No, cuz who cares, right? We're all in. the same program. 17 going to get the. same degree. Got his bachelor's degree, right? And he has these Brazilian girls. I'm one of two Americans in the whole. class. Doesn't matter. >> Okay. So, we're all in.

>> You were getting jealous of the. beautiful boobs and ts from the. Brazilians. >> I know. I'm sitting in the back cuz I'm. the oldest student there. Clearly, probably older than the professor. It's. in the industry that I've worked in, by. the way. And he's giving us stuff from. 15 years ago. >> Okay. I'm proud of you. You're the. oldest in the room always. Okay. >> So, anyway, in college, yes. So, anyway, kid sitting next to me, supposedly has. his bachelor's degree. The girls are. sitting in the front. He's got. sweatpants on. >> Oh, no. >> Masturbating in class in the back of the. row. >> So, this is a man with his bachelor's.

degree. Actually, does he masturbating. >> He had his hand in his sweatpants just. >> gliding along. >> Gliding along. Okay, that's that. confirmation of masturbation. >> Oh, come on. >> It's very weird. But when you said that, I was like, it's kind of the things that. you see. Like I was expecting dick out. was jacking. Like that's I know for a. fact he would have got caught but doing. what he was doing. >> How do you know he was masturbating? >> Because you could see it. You could hear. him. >> Oh, okay. Okay. Okay. Sounds like he was. masturbating. >> Yeah, he was a little bit moaning. >> That's not good.

>> We're in the back. >> That's a bit weird. Very class. And the. only reason why Well, this was an energy. class. >> I don't know if I could bust the energy. >> Yeah, we were learning about bofuels, which Okay, now you're getting me going. >> That's. >> So anyway, >> he's definitely masturbating in class. And if I dare and he's from Guyana, which he wanted to tell everybody. Good. for him. We all had to introduce. ourselves. >> But the thing is, >> so he told everyone during the introduce. ourselves section. Yeah. What a. criminal. No, the reason that he's a. criminal is because I guess they give.

out uh diplomas like Tic Tacs out there. Are you telling me that a kid in Gayana. could get a degree in anything. supposedly a biology degree and be. masturbating in class? Like you had no. >> I don't see the correlation of those two. things. I'll be honest. Well, you'd. think that somebody at least that could. sit through a degree program of any type. or even any type of skill, even to work. anywhere, he should be able to control. himself from that. >> Sounds like a pervert, but there's I. mean, there's smart perverts. I mean,

>> he's just. >> That's disgusting. >> Well, yeah, but I mean, you you know how. many elected officials are resigning. these past couple weeks by being. perverts, but they're also very smart. people getting where they got. >> Like, there's perverts that are smart. It's not necessarily correlated, >> but my So with that like stayed in. school, he's going to get the same. degree as me. >> Did you report him? Also, who this is? >> Oh, if I reported him, >> I'm sorry. I'm sorry. >> A white woman. Are you me? If I. said, "Hey, the guy in Gana before DEI.".

>> No, this was like two years ago. [laughter]. >> Yeah. >> No, even still, masturbation, cancel. culture, woman. Absolutely. Come on. White women perpetual biggest victims in. this country. What are you talking. about? You were set up for success. >> I was I had I warned the Brazilian. girls. I said, "Watch out for that guy. Don't let him call.". >> You talk to like a professor or uh. security or something. Report them to. the police. I don't know. You suck with. money. So, you download a budgeting app. You start with the classic one. WAB, but.

everyone just deletes it because it's. way too complicated to use. So, you go. to every dollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money, they got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. Then there's the new guy. on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far. But private equity. doesn't have the best track record when. it comes to private data. That's why I.

like DollarWise. Built by these people. just like you, for people just like you. No private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start the free trial. Wise.com. Link in the description below. That's. kind of stupid. I'll be honest. But. what's not is actually getting a. checking account that gives you free. money. Free money. We like free money. You can get up to $200 in bonus cash. right now when you sign up for the. checking account that I use. Chime.

Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Anything but like, hey BBL's, dude's. jacking it. Like, I think there's. alternatives beyond that. Um, okay. Now, your reason for dropping out is goes, "Wow, then my degree would be worthless. because the guy that masturbated would. have it, too." No. How about you. actually just do to improve your life? never sit by him or actually take some.

action and report him. He's objectively. the bad guy in this situation. But you chose not to report. Like at. that point, it's hard for me to be like, "Oh no, you didn't report." Like, what am I. supposed to do? >> How could I? >> Okay, >> cuz he's from Diana. He's going to. >> What does that do? >> WHAT DOES THAT MEAN? >> Cuz here I am like picking on somebody. who's from another country. THAT'S A. PROTECTIVE class right now. >> Protected. You're a white woman. There. has been no other people put towards.

advantages in this country's history in. the last 5 years than white women. YOU. GUYS HAVE BEEN EVERYTHING. WHAT DO you. mean? Girl, you could have canled him in. about half a second. Just like you said, >> one tweet longer from you and that dude. would have been beheaded. >> OH, PLEASE. >> WHAT? HAVE YOU NOT SEEN WHAT THE COUNTRY. WAS A COUPLE YEARS AGO? >> Private class. >> WHAT ARE YOU TALKING ABOUT? YOU A WHITE. WOMAN? YOU COULD HAVE RUINED everything. unfairly for him. By the way, >> it would have been. >> YES, YOU COULD HAVE.

>> But I I couldn't have. No. No. Possibly. not. And like you said, because like you. said about the vote, I only saw it. So, it can't be a fact, right? >> No. No. No. But a white woman, dude, you. could brush up against someone's leg, claim, and that dude's career will be. ruined as a white woman. Absolutely you. could have. That guy saying he was. jerking off in class. Absolutely. And I. guarantee you they have cameras in there. anyway. But even if they don't, regardless, you could have canceled him. in a heartbeat two years ago. It's a. little better now, but there's still. some crazy people. You could have white.

woman. Absolutely. You kidding me? >> I wasn't going back to that class. >> No. >> Okay. >> Plus, it was all outdated stuff we're. talking about. >> You're just there to get a degree. I. don't give a if things are. outdated. I do give a about the. masturbator, but you chose to not do. anything about it other than hurt your. life. That doesn't matter. That. literally doesn't matter. You're getting. the degree for your income. I don't give. a if you're learning. I mean, I. schools would teach student loans. >> No, you're getting a degree for your. income. Isn't that what you were there. for? >> Yes, that's what I thought I would.

>> What the are you doing? What the are you. talking about then? >> Plus, it's interesting. I love the. energy industry. I think it's. fascinating, but I wasn't learning anything. So, that. would have been great for me. And I. started it in 2020. That's when I. started that degree cuz I was so bored. in my house. Started a degree online, but ended it. two years ago. Well, keep taking it. online. Everyone's jacking off. And. trust me, in online classes anyway, you. just don't see it. >> Foul. >> Oh, just masturbate your along with.

them. You'll be fine. >> That would get rid of some tension. >> and some dust. What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> Zero right now. >> Yeah. If you want your Hammer financial. score, get it for free at. calebammer.com. It is free. You can see. where you stand in the world of money. It just takes a few minutes. It is. pretty awesome. And that link is in the. description below. And also, if you. don't want to be like this boomer that. up her entire finances, make sure. you download the Dollarise budgeting app. so that you change your life like tens. of thousands of active monthly users are.

right now. There's a free trial. Then. you can save a ton of money by. signing up for the annual version. And. then you get my detailed 30-day meal. plan. So, there's no excuse for not. being able to meal prep at a lower. budget. You get mine with the digital. version of our cookbook that teaches you. every single recipe as well. You get. that signed by me, mailed directly to. you. There you go. Thank you. >> That's for you. You're welcome. How much. do you even make in this job? I didn't. even ask project manager. >> This is what's so sad, too. >> All these years a story about Jan 6.

again. >> Just cracked $100,000. >> Oh, what a victim. >> What in Minecraft? What the What am I. supposed to do with that? for 40 years. >> Like stop. [screaming]. The median income in this country is. like 65. Shut the up. You're doing. better. >> No idea. >> Oh my gosh. You have no perspective on. anything. >> No. >> Shut the.

up. [screaming]. WHAT IS YOUR ACCOUNT ON A MONTHLY BASIS? I haven't been paying attention. The money always comes. I've never had. to worry about it. My credit cards were always paid off at. the end of the month. I was very good. with everything. >> Was until exactly I took a year off to. have. >> you get to do that. You could have a. good with $100,000 a year. What were you.

making before? >> Well, around that because this is. regular raise. >> Okay. If you live 50 3020, 30% of. 100,000 hours is a pretty good damn. year. Multiple European vacations if you. wanted to shut the up. You entitled. brat. >> I earned it. I've been grinding forever. >> Oh, I had a job. >> without a break other than when I was. laid off and then I had to. >> Bro, you were literally complaining. about what every other human being in. existence has to do. And you're GETTING. PAID VERY WELL FOR IT. SO, I don't care.

You have a house. I don't have a. sympathy. You you you afforded you. afforded a house in Massachusetts. That's how okay you were doing. Like. shut up. As a single mother, you. afforded a house in Massachusetts. Cry victim. Shut up. >> That was a good investment. That was a. smart thing that I did. >> You're not a victim. You pathetic worm. 56 years old making. You don't know what. hits your account. Let's find out.

>> Oh yes. What would you like to say? Oh, I sprained my thumb and it's sore. >> Okay. Income. I had payroll $7,170. Very good. Strong income for a long time. Not. $100,000 since she only has $75,000 at. 56 3 years before she can take out from. her 401k and IRA tax advantage accounts. [sighs]. 7,100. I lost it. $70.85. Good income. You're fine. How old are.

your kids? 30 and 32. >> You're doing the classic selfish parent. thing. Up your entire life last year. Now they're going to have to bail you. out when you're too old and you get laid. off and you get. >> I'll do whatever. I'm not I'm not some. like pampered princess. I don't have to. have everything. Just so. >> what the You said you deserved a year. off. >> I did. >> Not pampered. Die in Minecraft. Shut up. [sighs and gasps]. So why is this mortgage first? Why do I. see a mortgage? 2700.

2700. $275,000. and $35.85. My goodness. I'm like right. now. What is that? >> Yeah. So, I was doing business with. friends. >> You were not even behind. I thought that. you would be behind. It's the first one. $2,323.97. Yep. Okay. Yep. That mortgage makes. sense for your income situation. I'm. vibing. >> Yeah. >> What's up? So, um, I got a FHA loan for.

the first for the mortgage. >> That's But. >> my friend Yeah. So, I hardly had to put. anything down. That's how I had all the. extra money, >> which is stupid. Okay. >> Yeah. Well, here my friends are telling. me this is what they need to do. Maybe. she had a quota of for FHA mortgages cuz. this is the same. >> Oh, your friend was the one telling you. the loan. >> Yes. And last year I refinanced. I was. in a 3% loan. >> Oh, why' you do that? because I needed. some more money to go to concerts. >> What? >> And what she told me was,

>> "Who are you even seeing? Are you going. to festivals at least?". >> Yes, I went to a couple music festivals. Um, Incarceration in Ohio, um, Louder. than Life in Kentucky. >> Why aren't you going to ANY OF THE ONES? CO CO COACHELLA IS happening right now. I'll be going up. >> So, the top four music festivals that. aren't like genre specific like just. general music festivals if I'm not. mistaken. Uh it is Coachella, La Palooa, what's the big one in like Wisconsin? It's huge. Or Minnesota or something. And then ACL and Austin. Those are the.

four largest musical non- genre ones. And then there's electronic festivals. and blah blah blah. You didn't go to any. of those? >> No, cuz I went to I not into that music. I like. >> It's every music. That's the thing about. those those music festivals is it's. every music. Yes. There's metal there, too. I went to a metal concert at ACL. last year, >> but for to to get more value out of your. concert. >> You refinance. your house, >> right? So, what she told me what she. told me was not going to impact.

anything. I I I'm taking some of my. equity. >> Yeah. >> So, then. >> you know how that works. >> Well, I don't know how that works, right? >> You were taking out equity. >> Yeah. So, I'm taking out a little bit of. equity and I'm know knowing I could I. have a ton of equity in my house because. I always paid ahead on my mortgage when. I had money. Okay. Just. >> I don't know how much equity that would. accumulate in just a couple years, but. okay. >> Well, the houses are going for 400 right. now. So, I'm like decent. >> So, >> when you make good money, I don't.

understand how you couldn't cash flow. concerts, but okay. >> Yeah. >> Sure. Sure. Sure. Sure. >> So, it was at 3%. Now, it's at six. Payment has gone up. >> Yeah. And so then I was like, "Well, what happened?" And then I just heard. cuz I said, "Hey, >> the gone down. Can we refinance?" And. she says, "Oh, no. There's a cost. associated with that.". >> Yeah. It usually costs money to. refinance. >> I had no idea cuz she's doing it. She's. telling me I'm just taking out some of. my equity. >> You're not 26. You're 56.

>> I don't care about mortgages. I don't. care. >> What do you mean? You've been in. mortgages since forever. >> Yeah. And I go to people who are. supposed to look out for you. Oh, this. is why every boomer gets scammed. >> I have been. Yep. And it didn't happen. I've been scammed many times. >> Oh, [laughter]. yeah. You have. >> Mhm. >> Oh, yeah. Yeah. >> Yeah. >> Yeah. So, it's it's all the time. >> Or you know, >> it's Pam all the time. >> Oh, I I didn't know what you were. saying. Okay. You said your real name. I. thought maybe you said like the N word. or something. I don't know. You just got. You were so shocked when you said it.

>> Yes. >> How How frequently do you say the hard. R? >> Never. I have no reason. Cuz I have no. reason to use that word. >> You're racist. >> I am not. >> I just assume care. >> Oh, about what? >> I don't care about anything. >> You don't care about black people. >> Oh my god. >> We call Tyler. >> I My high school is half black. >> Whoa. >> That's how we grew up. It's It's enough. >> What's your opinion on BLM? >> Well, I was actually all for that in the. beginning. I was about it. I want to. donate my money cuz I'm very.

>> What's your opinion? >> Well, I found out that was. Come on in. Oh, nice haircut. >> I didn't even see that. Appreciate it. Appreciate it, >> Tyler. She said she doesn't care about. black people. >> Oh my gosh. That is not what I said. >> She did say that. >> I said I don't care about any of that. >> What is any of that Black. people. >> Any any type of racial thing. Who cares? >> Also, you care about all of us. You with. us? >> Yes. >> Put the fist up. >> Yeah. What's your opinion on talking. about? >> Uh BLM. >> Well, BLM I was going to donate to,

right? Cuz I'm thinking. >> and then I educated myself. Oh. Oh. What' you educate yourself on? >> What'd you find? >> Well, I dug into how they get their. donations and it's through Act Blue. 3% of all their donations go through Act. Blue, which is a Democrat. And I was like, I'm not donating to a. political party. I want this money to go. to this cause. >> How do you think George Floyd died?

>> [sighs]. >> That's a That's the wrong hero to have. That is a wrong hero to have. If that's. what you're hanging your hat on, that is. a mistake. [laughter]. Three funerals during COVID. What the f. was that about? >> My brother for real, man. RP [laughter]. my brother for real. Don't listen to. her, guys. RP my brother, man. Amen. [laughter]. Thank you, Tyler. Always. Always.

>> I think I'm in love with him. >> Tyler? >> Yeah. >> Tyler, she's in love with you. >> She's in love with you. >> Oh, thank you. I appreciate that. >> Okay. Okay. Okay. Very good. All right. Uh Okay. So, okay. Your. mortgage payment's higher now. >> Yeah. >> Well, trauma again, I guess. >> Well, it's just Like, why? >> Oh, really? You refinanced. You took. money out. You got a higher rate. It's. not. >> Yeah. Well, it was supposed to just be. equity out and. >> concert. How much did you spend on. concerts in your special 2025 year.

>> about $20,000? >> What the? >> And it's still in. >> how. >> going to VIP. What do you get? >> Sometimes flying. >> Oh, 20,000 unconscious in a year. When. you have 75 in retirement. 60 almost you. If there is a sad video of her working. at Walmart at 75, I want no tears. Never. support those videos. They had every. opportunity. Unless they were in literal.

poverty their entire life, they had. every opportunity. I have no sympathy. I. see people spending every single day. They spent 20,000 hours last year. Then. she's going to be like, "Oh, I'm a. boomer retiring. Oh, I can't afford to. survive. No person should be at this age. working." Yes, you should if you chose. not to sacrifice. It's not on us to take. care of you. You piece of. >> No regrets. It was a lot of fun and I needed it. >> and we shouldn't take care of you. >> Nobody's going to take care of me.

>> They want to increase our taxes when. you're a boomer when you're a retired. ass. >> and we have to take care of you with. higher Medicare or Medicaid and all that. and higher social security if we have to. increase social security taxes because. of your ass. That's what they're doing. now because there's way more of the. boomer generation than there is of Gen. X. Gen X is the smallest generation. >> So, if anything, younger people are. going to have a a they shouldn't be. paying as much into social security at.

some point. Boomers were a big generation. That's why they were called boomers. >> I know. >> Yeah. Okay. >> So, we we've all been supporting them. and they've been retired since they were. in their 50s. Believe me, I live amongst. them. >> Okay. If I'm not mistaken, the last rate. change for social security taxes in. 1990. So, you can't say they're doing. that now. Social Security taxes. >> No, they're they're collecting social.

security, though. They're getting. they're getting their doctor's visits. paid for. That's what I'm saying. They're huge. >> It's fair that they did that, but it's. set to fail. Absolutely. >> With the declining population and. everything, it doesn't make any sense. 1990. >> Yeah. Well, the the population should be. declining at some point. >> Well, that makes no sense because then. it's two we're in a couple decades we're. going to be at two workers per one. retiree. How can we afford that? That's. you.

>> What do you mean it should be declining? Which one do you want? >> The boomers are declining finally. Yeah, but you still needed a growing. Oh my. goodness, you're a Okay, w you. have a higher mortgage. >> This generation, Gen X is much smaller. There's going to be a lower pool of. people that are even going to collect. anything. It. >> doesn't even matter still. In a couple. decades, it's still going to be two. workers per one retiree. regardless. Doesn't matter. Okay. Why do you have a. debt consolidation? >> Because the money always comes and.

that's where it came from. >> Oh my. That's not money. That's. consolidating. What do you mean the money always comes. because you applied for a loan? >> The money was there. >> It's not money. It's debt. What do you mean? Is this actually that. when you say the money always comes, this is what you mean? >> Yeah. It always has all along. So right. now, >> so what you mean when you say the money. always comes is you can apply for more. debt? >> There's always money there. >> No. Somewhere.

>> until they say no, no, no. because your. credit or something is You just. can't afford your debt to income ratio. $36811. That alone wouldn't make or break you. But we have a lot of paperwork to go. through. Higher mortgage payment now. Oh, Lindsay said she thought this was. free money. I'm not kidding you. You. actually thought this was free money. >> I The money's always there. It always. comes. >> Okay. What does that mean to you then? >> That I don't think about it. I don't.

think about any of it. And how has that. worked? >> It's worked fine. >> How is it? $75,000 of retirement. >> It's worked fine until now. I've. >> It literally hasn't. It's only stacked. up until now. Now you're just facing the. consequences for your actions that. haven't been working. >> of the one year that I took and part of. this year. >> You only have $75,000 in retirement. That's your entire life. That's not just. last year, >> right? >> It's never been an issue. I've never had. to have a kids embarrassed. >> No, cuz when they were young, we did the.

same thing. No. Of of mother. >> No. >> Extreme political. >> Oh my god. >> Extreme political. Not going to be able. to retire or sacrifice anything. Mother. >> No. Do. >> you smoke? >> No. >> Did you? >> No. Never. >> For a sun. You wear sunscreen? >> No. >> Ah. >> Never. >> Ding ding ding ding ding. Found it. Got to wear sunscreen, especially in. that Florida heat. Look what it's done. to you. >> No, cuz I'm half I'm part Portuguese.

Look what it's done to you. >> What? >> I guess it's irreversible. Is it. irreversible? >> You just you've gotten you got all the. sunspots and like wrinkles and stuff. >> Yeah. And I'm also 56. >> I know. But 56 year olds who wear. sunscreen every day have much smoother. skin. It's fine. >> Just like do we need an additional. diagnosis in your life? >> Skin cancer sake. >> Okay. It's only 6% payoff. So you just. got this that like a 12 point. It's a. 12.6% interest rate. What is wrong with.

you? That's free money. >> Well, >> 12.6% interest rate. It always comes. Yeah. Interest. >> Well, because I've never had to have a. budget or anything. And then once I'm. kind of looking at it, I. >> need a budget. Just because you didn't. see what was happening doesn't mean you. didn't need a budget. That that logic doesn't make sense. >> Yeah. It just never I never had to. The. kids always we always had video games. We had [clears throat]. >> we went to and not putting money aside. for retirement, not any personal.

responsibility. And then we're going to. have to take care of you. It's pathetic. >> The money always comes. >> Yeah. >> No. The only thing coming is the dude in. the back of class. He didn't finish to that nuclear power. plant talk. Those are some big holes at the top of. those things. This makes no sense. I just don't. understand why the you are doing this in. your second half of your 50s. 50s deck consolidation at 12.6%.

>> All that grinding. >> Shut the up. You've just worked in. normal ass jobs. I don't want to hear. it. I had a job at the same age as you. did when we I started as well. I'm not. complaining about having to work at. Steak and Shake at 15. >> Well, when you're in your 50s and you. want to have a year of doing whatever. you want, you'll deserve it. I felt. >> deserve that's I know there's not. entitlement in this world. I know that I. reap the rewards of what I put in. >> And that's what I felt was doing. No.

reward. >> There was no reward there, though. You. just took something that didn't exist. and now you're paying for it. >> That's debt. You put it all on debt. Oh. my god. Venmo credit card. Have I even. seen this? I don't even know. I don't. even know if I've had this before. >> This is like new. Venmo credit cards are. new. And you immediately just were like, "Oh, there's free money." No, I actually. got that one for my daughter so that she. could build her credit. >> Oh, yeah. You're a great example of. that. >> But well, I was before.

>> Okay. Well, who's spending on it? You or. her? >> Me. >> But she's on it. >> No, she's not. >> Oh, thank. >> I didn't want to put. >> Why did you spend $266.32. in the previous month if you're not even. putting half of that towards the card? Takes two years to pay off minimum. payments only without any additional. purchases of which oh you like to. purchase balance $539. $30 minimum fee payment. What the are. you doing? >> I don't know what I bought. I have no. idea. >> Well, how about Carnival the Fun Shops?

Sirius XM. You tell me you're not a. boomer. Taco Bell. >> Well, that was on the Carnival Cruise. something. >> Taco Bell? >> No. Um the whatever. >> Sirius XM. >> No. No. >> Oh, the one that says Carnival. Yeah, I. assumed. >> Yeah, that was from the ship rocked. cruise. >> Isn't Carnival the. >> Is this a little. trashy? >> Oh, really? Why? Why is it trashy?

>> Starbucks is and a waste of. money. And you already know that by. making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR JUST 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Games. >> Literally, the cherry flavor is insane.

>> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. 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. [music] promise. Oh, cuz everyone's just throwing ass.

And uh. >> who is that? >> People. Trashy people just bouncing, throwing ass. >> Yeah. >> Smoking weed. >> I didn't see any of that. >> Really? Not in your carnival? Did you. have Carnival Elite? >> No, we had the whole ship for people. that listen to metal. >> Oh, it was a Yeah. No, no, no. The booty. throwers were not there. >> No. >> Oh, they've banned rap music on Carnival. Cruises. >> Why? >> Because just Dude, listen. Okay, listen. I know I'm I'm making like haha silly.

little racist joke, but the thing is it. has it has absolutely nothing to do with. the fact that unfortunately the videos. Okay, unfortunately the videos the. people were majority black. Yeah, put it. in there. But it has nothing to do with. that. It's just the fact that it was. just an endless chaos machine of just. crazy parties and it just looked. horrible and it was making the brand not. sell well cuz no one wanted to go there. >> That's probably why they do these. cruises, you know. Yeah. I mean, there's. themed cruises everywhere. >> Well, this was the first one I had ever.

been on cuz I wanted to treat myself. >> Apple Card. What's going on? Uh, Apple. Card 2000. >> That's my favorite one. >> Oh, you have a favorite card? >> Yeah, because if it comes up to where. there's no money on it, I can throw. money on it real quick and it. >> what? >> Credits me right away. >> I know. That's part of the money always coming. >> That's not money, you That's you. putting money. Oh my. The spending's. insane. I There are no tears when you can't.

retire. And we should not at all raise. taxes, especially social security taxes, because she can't retire after what. you're about to see here. $279.68. with $58 minimum fee payment. Door. Dashing Hungry Howies. Home Chef. Craft Brewing Apple Bill Door Dashing. Green Tea Apple Bill Apple Bill Netflix. T-Mo Louder Than Life Door Dashing. Hungry Howways Apple Bell YouTube.

Premium Instacard. you. It's all. >> Well, LOUDER THAN LIFE. [screaming]. MUSIC. >> SAVE UP MONEY FOR RETIREMENT. PAY OFF. your debt. You entitled piece of. High interest. Interest occurring. Payments not being made. Only when you. want to spend more. Mission lane. Oh my goodness. You spent. $2,593 on this. Interesting. 19 years to. pay off. I'm going to die.

[screaming]. You made the minimum to payment and then. you purchase $2,593. Death. [screaming]. Death. Absolute death mission you owe. $4,659.16. Minimum monthly payment $130.72. 19 years to pay. Are you Are you going. to be alive? >> Probably not. cuz my aneurysm will burst. >> I thought you But you might be able to. get rid of it, right? >> Well, if they have surgery. Yeah.

>> Yeah. >> Can you get surgery? >> Surgery? >> Possibly. >> Okay. I mean, which which one's riskier? I have no idea cuz I don't pay attention. at the doctor either. >> It's not my job. >> It is actually. >> What about your kids? >> You have grandkids? >> Yes. >> Okay. You want to be around a little. longer? >> I would like to. >> Let's pay attention at the doctor then. >> I do. I'm a great rules follower. >> What's Okay, then what's riskier? The.

open heart surgery or just keeping it. there? >> I would have to ask. cuz he hasn't told me or I would. remember. What does he advised. [clears throat] you do? >> That we're going to monitor it and if it. gets one, it's at like 38. If it gets to. 40, that's when it bursts. >> You're saying that at 8% the bonds fail. and we are already at 4%. >> That's right. >> So, when it's at 39, we can do surgery. >> Okay. How easy is it to go from 38 to. 39? I don't know. >> Well, what's weird is I never had this. problem before. So,

>> that was my worry. If it can come along. that fast, it's nothing I ever had. before. So, how did it even get to 38? I. had unregulated blood pressure where I. was just like passing out because you. were fat as. >> Actually, no, I wasn't. >> You told me you lost like 100 pounds or. something. >> I got down to 135, but that's part of my. yolo. >> from. >> from 170. >> Okay. Yeah, >> but I've gained back I was 135 and then. I've gained back 20 lbs. >> Okay. Well, you. >> yolo. How did the yolo? You only live.

once. That yolo. Well, your once is. coming to an end if you don't keep your. weight and blood pressure under control. Are you on blood pressure medications? >> Very minimal. >> Okay. Well, at least you are. >> Your diet is better. And they. recommended more salt. >> Yeah. He said more salt for. >> like the. >> Maybe that makes sense. I don't That's. not my thing. >> Yeah. >> Okay. Okay. Uh Okay. So, the 2,000 we spent on. here, >> [sighs]. >> uh, welcome to I don't know. You spent.

$893. Welcome to Rockville is the other. the other one. But that's paid off. >> What? >> The other festival. >> Great. Amazon. Amazon. Amazon. Allure. her hair design. >> Oh, that's my friend. Yeah, she put. purple in my hair for the. >> Carnival Fun Shops. >> Yeah. >> Welcome to 20 row 26. Carnival Horizon. This is just ridiculous. At a 30%. interest rate, basically. This is so. stupid. This is so stupid, man. Oh, when. you refinanced eight months ago, you. paid everything off and now these are.

back up to the pathetic. It's honestly. pathetic. It really is. Like, I'm I'm losing my. energy to even have the to even feel. outrage towards all this. It's just. pathetic. Quicksilver, [snorts] what's. going on? >> It's another card. >> Oh, wonderful. You actually didn't spend. surprising enough. Oh, you really can. And it's basically maxed out at 3,00. Yeah. $9368.

Oh, sorry. New balance $3,853. Still basically maxed out though. 68. Minimum monthly 18 years above. Minimum. payment 123. Yeah, I guess you don't. really care if you're not going to be. here for a while. >> What about any debts your kids will have. to settle in order to get access to your. assets, though? >> I don't think there would be anything, right? Depends on the debts. Also. depends on the states. It's I don't. know. >> Okay. Uh Navy. Wow. Old Navy.

>> Yes. So that one actually um you know. cuz they give you a discount when you. open up the card on what your purchases. are. >> Oh my goodness. You fall that but. >> and you're more than paying for it with. $70.23 a month in interest. >> Well, and that's what kind of made me. think twice about this plan. was that they cut my credit limit and. that's never happened to me before in my. life. >> Yeah, it's cuz you're with money.

17 years to pay off 10713 minimum. payment. You owe $3,760.95. Oh my goodness. You purchased $2,000 on. here on Old Navy $70 in interest. Oh my. >> use Apple things. Apple bill. Apple. billure hair design again. Periva. Ship rocket. Ship rocket. Ship Rocks is. the cruise. >> Oh my death. Apple Bell. Ship rocked the. ship. The cruise. Cruise. Cruise. Apple. Bell. Seapport parking. Wendy's. Dunkin.

Donuts. Market Plaza. Guys, she doesn't. spend that much money. Apple bill. Apple. Funeral Port. >> Oh, that's the funeral portrait. That's. a band. That was merch. >> Okay. >> She got to get merch. >> Little bit of uh foreshadowing. >> Is it. >> 33.24% interest rate on here? This is. where you're spending all your money. This is ridiculous. Give me your phone. >> Me? >> Yeah. No, no, no. Someone that's not on. camera.

>> I don't know who. >> the audience. I'm talking to the. audience. >> Oh my goodness. The way boomers have. their phones. Everything's just in a. folder. Oh my goodness. Subscription queen. [snorts]. Apple Music. Finch. Self-care pet. Self-care pet. Is it a digital pet icon? Plus, >> I don't know what that is. >> Pedometer. >> Oh, it's a pedometer. Yeah. >> Yeah. Pedometer, not pedometers. [laughter].

>> Don't need that. >> Price snap. >> Price. >> It's an AI price thing. But you can do. that with any AI. >> Yeah, but that one. >> Tashimon Tachimon. >> That's the heart t um tachometer. That's. for my heart. >> You seem to not care about it cuz it's. expiring soon. Um. >> cuz I'm done with it. text killer spam. thing. Wolves puppy and dog something. Yearly subscription to yearly. subscription. I don't even know what. that is. Lots of inactive subs. You try. lots of things constantly.

>> I like to support creators. >> Oh yeah. Creators. What creators? What. creators are you doing? Oh my goodness. Even your recent spending your Apple. cards. All What creators? What? >> Like what? >> I like to support people that are making. things. People that not businesses. >> How would you make retirement? How about. you make an older age? Amazon. Okay. Uh puzzles. >> Yeah, those are gifts. >> Girls, >> cinnamon supplement thing. Amazon basic. 13 gallon trash. That's fine. Scots.

comfort plus. That's fine. >> I do fall for a lot of those like Oh, >> supplements. >> Collagen and yeah, bourberine. >> Well, there are certain things that are. good. Collagen's not necessarily that's. not bad, but. >> yeah. So, I'll get that and stuff. >> Okay. Bras something about old titties. Sis, I don't like thinking about them. I. don't know why. [laughter]. >> Well, just like I don't want to think. about Guyana and Dick. >> Little racist of you, I'll be honest. >> Well, Guyana is a country. >> Mhm. >> I wouldn't want to think about white.

dick either. Makes any difference. >> It's a little gay of you. [laughter]. I'm just being agist, but. >> Okay. So, ages is okay. >> Yeah. >> Yeah. >> No, of course not. I'm being silly, but. Okay. Oh, $81 in retirement. Wow. Okay. >> Uh yeah, I I think I think some of them. are better than others. >> Okay. What is this? Uh credit union. something. I don't know. You have a huge. Yeah. What is Pentagon? Pentagon.

>> 47 years to pay off. They're allowing. someone to have a 47year payoff card at. 56. You. >> That's weird. >> Like what is their What is their. business here? >> They're the Pentagon. It's the Pentagon. The federal Pentagon. >> What is their business? Okay. >> They're. >> okay. >> That's the credit union. Yeah. >> Oh, they don't get they don't pass. audits. I guess. >> this is clearly why. $7,968.84.

Minimum monthly payment $468.84. 47 years to pay off. Yeah. I don't know. This is This is ridiculous. >> And. >> Oh, you're over the limit. $468. Oh, >> Pentagon doesn't give a though, I. guess. So, Apple bill Whirlpool Warpool Whirlpool. appliances. >> Oh, a filter for my water thing. >> You're over the limit. And they let you. Okay. 17.99% interest rate. Oh my. goodness, dude. You have every credit.

card just up to the max. This is. insanity. You spent money on this one, too. Your Amazon uh Chase card. Okay. Yeah, we just looked at the Amazon, but. you were purchasing Amazon on other. cards as well. >> Yes. $4,147.93. minimum monthly payment of $143. purchasing of course 16 years to pay off. what's the point Amazon Amazon Amazon. Amazon Amazon Amazon interest 205 this. year so far we're only a couple months. in that's this is pathetic again affirm. of course you've gone down the affirm.

pipeline. you just everything dude. >> I didn't even know what affirm was my. cell phone. >> good keep the ignorance oh this you. affirmed your phone. >> well because you bought phone outside of. the shop. >> I got it through Mint Mobile. Yes. >> Oh, so you just had to buy the phone. separately and then get Mint on it. I. mean, Helium, I'd do Helium at this. point. 15 bucks a line. But that's okay. I guess you can actually do that cuz you. don't This phone's not contextually. attached this payment to.

meant. Okay, so $1,429. $24 $94 a month payment. You have a 17%. interest rate on your phone. What are we. doing? You will fall for anything. Here. we go. Student student loans for what. again? For the degree you dropped out. cuz the dude was jerking it. >> I dropped out because it was useless. >> Was it? Does it have a return on. investment? >> I don't think so. Not. >> then. Why would you go in the first. place? >> Because it was 2020 and I was bored in. my house. I'd moved productive. >> Well, getting a master's degree I. thought was pretty productive. >> Not if it doesn't have a return on.

investment. >> At least it was interesting and it's in. my industry. So, I thought you said you. were bored. >> I was bored during co. Yeah. >> Okay. So you ow $10,382.77. with a $26080. minimum monthly payment. Oh, pass due. $130. >> Yeah. I don't know what their pay dates. are and I don't know. >> Set up auto pay. >> That's a new loan. Like. >> it's not loan. It's just kicking in. because all the deferment periods are. done. It's not a new [gasps]. >> Well, they they keep changing the.

provider. So I never know who I'm. >> changing the provider. Like this is CI. >> Yeah, there's different services. They. get pushed everywhere. Doesn't change. your minimum monthly payment though. It's the same federal rules. >> No, but it's who I have to pay it to. >> Doesn't matter. Go the You guys are so. pathetic. You can't do anything. I'm so. done. I'm so done. I'm so done. I'm. done. I'm done. Checking account started. with five, ended with five. No, sorry. That was our regular savings. >> Great at retirement age. Checking. account ended with $46. Wicked Cookies. Friday's Southern Eats.

to Pork Ricky. Some restaurant. there. Southland Concessions. Bagel Patriot Shave. >> Oh, that's razors. >> Wow, you really got that red, white, and. blue. Clean All right, that's. good. >> It's a good razor. No bumps. >> Freedom ATM withdrawal of $320. >> Well, I was trying to do a cash budget. for myself. >> Oh, okay. Just use dollar, dude. McDonald's $12.93.

Surprise, no overdraft. This is just. what a joke. which raw paid some fee $29 from this. account. I can't even see the balance on. this. Uh, okay. Where did it end? Did it. end at the top or did it go? Okay, it. went forward. You started at 96. Oh, you overdraft. You're overdrafted in. this account. Oh, you have a And then. you're jeeps with it. >> That's when I realized like, wait a. minute, the money's not coming. >> Oh, >> it always comes. >> Yeah, something happened. You figured it.

out for the first time finally. It only. took till 56. Jeep, what do you owe. total? I can't I can't find the balance, but I know. >> 41,000. >> Yeah. >> What? Under 29 Jeep Gold Gladiator. >> Well, I had a 2020 Mustang California Special, but I had to trade it in because my dog. is claustrophobic and he wouldn't get in. the Mustang anymore. >> Get another larger vehicle. >> And I put. >> What are you saying? Are you telling me. it's actually worth or it's it's Oh my.

gosh. Your minimum payment is $699. It's. at a 7.25% interest rate. It's 69. Okay. So, it's what it's 40. What? How much? >> 41,000. >> Ah. How much do you think it's worth? >> I have no idea. >> 23. >> And I put 8 grand down on it. That was. the rest of my little. >> Whoa. Oh, I'm I'm so done. $6 in this. checking account. ATM withdraw pool. Some pool. $100 pool. probably pool. care. >> Kingc ATM with Roth 200 bucks. Who knows.

where that went? Another 300 there. Yummy tie food. Professor AR and. Spotify. So you have Spotify and Sirius. XM. >> Yeah, cuz I don't like listening to it. >> I'm going to die. Okay, but use one, right? Right. Okay. >> Yeah, I'll figure out which one I like. the best. >> You haven't yet? >> I will. >> You haven't yet? Oh my gosh. Okay. Ending balance in. this. Oh, savings went from $48 to 21.

Retirement is going so well. Okay. Three. Uh, okay. In this savings, $153. and then 316 ending amounts in that. checking account. Best balance you've. had in checking account. Oh, it's just. moving money back and forth. It's not. even actual management. $10 in that. savings. Dude, this is crazy. More. Oh, this is another debt. Is this. an additional 6,26 hours? Is student loans? It's on your credit. report. >> Oh, then I don't even know what that one. is or who who it's with.

>> But it's never been late. 37% paid off. >> Oh, that might be on autopay somewhere. then. >> Let me see if the monthly payment. matches up with the No, it doesn't. So, this is a new This is a different one. This is another student. Oh my gosh. Okay, so another student loan maybe from. a previous No, you opened it in 2020. me, man. Okay. Hey yo, $6,26. Okay, Lindsay said this is for your. bachelor degree. >> Um, if it was $73,000 my masters. >> Oh, I don't know.

>> Yeah. >> Oh, wait. What is What is this one? 15,000. Is that the Is that the previous two? >> That might be cuz they keep changing the. providers. That might be. >> Doesn't matter. This is But it's. different payments and stuff. >> Uh, no. Cuz this is a completely. different balance and this was just. pulled. I don't know. I'm going to. assume. Okay. This one's federal. I. don't know what the other one is. Let's. keep it as it is. But the minimums don't. line up. I don't know. So, it's going to. make budgeting confusing. You need to. log into all your accounts. But we'll try our best. See what we can.

do with you. I mean, just bad debt. alone. You have $37,000. I mean, no, it's worse than that. But your total. debt situation is $388,22. while the mortgage is only $275 of that. You have over $100,000 of bad debt. It's It's This is insanity. Your income monthly $7,17085. Mortgage $2,323.97. Debt payments besides that. Let's find.

out. It's not going to be great. And it. might be missing a student loan payment. I don't know. Jeez, dude. Your minimum. payments outside of your mortgage are. more than your mortgage. $2,556.29. That's insane, man. Utilities, gas, electric, trash, all that stuff I'm buying. much. >> um. >> internet. >> That's all in my um HOA fees. >> Oh, her 401k was missed. Oh, no. We saw. the 401k. I just didn't see there was a. loan on there. There's a loan on your. 401k.

>> That was really old. >> But is it there? >> Yeah. >> You still have it? >> I think so. It's on my payub. >> Good death, woman. Okay. I'm so Okay. Yeah. What's your entire utilities? What. is it? Yeah, >> they're pretty minimal. Like um tell me. numbers. >> 200 I'm trying to think like 150 on. average. >> Is that including internet? >> Um in internet's included in my HOA fee. Internet trash. >> Is your HOA fee included in your.

mortgage? I don't think so. So what's. your HOA? >> Uh 600 quarterly. >> Even still quite chunky. So 200 bucks a. month plus 150 for utilities. 350. You're letting your HOA take care of. your internet? That's insane. We have to. >> have to I would never buy that. >> Probably speeds. Okay. Phone bill. Well, >> it's prepay it. So, it's like $300 a. year. >> Um, >> oh, I don't know how you can afford to. even do that at once, but 25 bucks a. month. I would do Helium for 15.

T-Mobile's getting in your area. I'm. assuming it does. How much for gas room. from drive drive? >> I work from home, so maybe 25 bucks, but. except for when I drive to Atlanta like. I did last week. That was how frequent. $200. Well, it's when I go to concerts. >> How frequent is that? >> Um, >> probably never again. >> Guys, I just read a note. This post show. is going to be absolutely crazy. Absolutely crazy. She's about to have to. have a crazy I will let you know in a. second. Oh, actually, I have to tell you.

now, cuz this is just crazy. She. recently bought a car for her daughter. and she's going to call her and confront. her that the daughter needs to pay her. back for the car. $2,000 right now. That's going to be an insane phone call. Okay, whatever. Car insurance, how much. this portrait? Okay. >> $90 a month. >> Not bad. >> Okay. Food. $300. It's just you, right? >> Yes. >> Meal plan, meal prep. You medical. healthcare? Oh, no. No, not medical. healthcare. T fun. Anything else you. need to survive? 150. You do a gym?

>> No. >> Probably should for the thing you got. going on. Medical healthcare. How much a. month? Co-pays? Anything? >> Oh, for co-pays, probably about 200. Okay. You have any pets? >> Yes, the dog. >> How many? One. And health age? >> Um, one and a halfyear-old. >> Okay. Get pet insurance. Good pet. insurance. 50 bucks. How much for pet. food? >> He's a big in let's see. one bag of food. $75 a month. >> Subscriptions 40. Anything else that.

needs to be in this budget that I'm. forgetting that is mandatory to survive, not concerts? >> I cannot think of anything. Yeah, it's. obviously going to you need to get more. detailed in the wise budget app, but. this gives us a baseline to plan next. steps from here. Let's see if we can. Yeah, you make it by about 1,000 bucks. It shouldn't even be close to that. tight, though. But you're lucky it is. Oh, >> $6,18526. is what you need to survive with a very. minimal budget.

$9859. left. No wiggle room. Okay. [clears throat]. Debt 388022.80. minus the mortgage of 275. 035.85. We also minus the student loans which. yeah we were confused about those two. So, I think we're killing off the 15,000. 593.

minus. Okay. Minusing your student loans. [sighs]. At least outstanding debt. $80,858. I might just go through bankruptcy at. your age. It doesn't matter. You already. have a mortgage. But then you won't change your behavior. and you'll be right back here again. So. it takes 81 months to pay off. 6 and 1/2 years. Will you be.

around? >> Not. >> Dude, if you really want a clean state, change your behavior for a couple months. and go through bankruptcy. Ain't cheap, ain't stress free, and you. don't need stress right now. But this is. a lot of stress alone. These payments. must be catching up. You must be feeling. the bleed. >> [snorts]. >> So, if you can change your behavior and. live on a budget within a few months, then I'll allow you to go through. bankruptcy. without your car. You'll still owe on. your car, so you'll have to pay that. debt, but that will clear a lot of these. minimums payments, which will make your. life survivable. You already have a.

mortgage, so what do you need good. credit for? You already have a car. It's. a probably okay car, I'd assume. So, what do you need good credit for? Stop. borrowing money. Stop taking out debt. Live within your means. Budget. And if. your behavior has changed before you do. it, you'll live the rest of your life. fine. This is insane. I don't know. Let's have. this call at the daughter. That's what I. would do. Let's get your hammer. Financial score. Spending in a budget. You overspend 0 out of 10. Debt, no. collections. Behind on things plus 401k loan. Best I.

can do is a 1 out of 10. Emergency fund. I didn't see anything. 0 out of 10. Retirement dramatically behind for your. age. Plus 401k loan. I'll give 2 out of. 10. [music] Real estate. That's where. you at least have an equity position and. the rate is not horrendous. This is bad. compared to where you came from. Real. estate situation is not bad. Put a lot. of money into the house, but even still. with the equity position, I'm happy. You. have a loan on it still. Technically, 8. out of 10. Unless there's something I'm missing. with like being behind or something, but. I don't think so. >> No.

>> Okay. That's what's going to pull you up. to a 2.5 is not where you should be at. 58 out of 10. 56. Get yours at caleb.com now. Join. Hammerly by clicking that join button. You can get three premium shows posted. every single day, 6 days a week, including an extra 20 minutes of this. show called the Financial Auto Show. It's going to be a good one with this. phone call, ladies and gentlemen. I'll. see you there. [music]. >> We didn't talk about the fact that two. >> coming up. One is dollars. The other one. is. dollars. >> What are you doing? >> I And I had no idea it was that.

>> Okay, go ahead and call her. I guess. >> 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 [music] you'll ever. join. That's a promise.